|    
 
 Monday, December 21, 2015   Salvation Army KettlePlease Donate
 
  (Please click on Kettle)     Contributors  at press time: Bruce  Cady, Brian Carey, Ed Castagna, Richard Cohen, Don and Bonnie Dulmage, Randy  Haug, Sheri Kluga, Bruce Kropschot, Allan Levine, Bruce Lurie, Barry Marks,  Esq., Robert Misheloff, Dean Morrison, Gerald Oestreich, Klaus Pache (in honor  of Yvonne Pache), Portfolio Financial Services Company, Tim Rahmanian, Dean  Rubin, Susan Robert, Jeff Rudin, David Silverman, Robert VanHellemont, VFI  Corporate Finance, Barbara Walker, Rick Wilbur, Rosanne Wilson
 Today's  Equipment Leasing Headlines
 Position Wanted---Risk ManagementSeeking New Opportunities
 Top Stories December 14-December 18
 (Opened Most  by Readers)
 ELFA Continues Down Report of New  Business
 November MLFI-25 Report Down 21% from October
 Great News! Section 179 Signed into  Law
 Applies to 2015, if Delivered this Year
 “California Sucks for Merchant  Advance”
 Response to Editor Sean Murray,  www.debanked.com
 By Tom McCurnin, Leasing News Legal Editor
 Navitas Lease Corp. CA Lenders License  Policy
 Issues Policy to All Third Party Originators
 Each Year Poet Barry Marks, also an  Attorney,
 Writes a Christmas Poem for Leasing  News Readers
 “For a better economy in 2-0-1-6”
 Leasing Industry Ads---Help Wanted
 Now Hiring
 “Why I left my previous employer…”
 Career  Crossroad---By Emily Fitzpatrick/RII
 Leasing 102 by Mr. Terry Winders, CLFP
 “Community Banks”
 Foundation Launches Equipment Finance  Department
 with Appointment of Senior Vice President Mike  Mayfield
 Dave Gilbert Sponsors his Alma Mater  Holiday Bowl
 “Go Trojans!" He Shouts
 For Christmas: Trading Places/Gremlins
 National Lampoon's Xmas Vacation, Eyes  Wide Shut/'R Xmas
 Special Christmas Edition by Fernando Croce
 American Bulldog/Boxer
 San Diego, California Adopt-a-Dog
 News Briefs---
 Free State UCC Searches
 Compliments of debanked.com
 Merchant Cash Advance Leads/Merchant  Leads
 Compliments of debanked.com
 Japanese Financial Institutions  Partner w/Technology Startups
 To Utilize the Blockchain
 Amazon is to lease a fleet of 767 jet  planes to control
 its  overseas shipping operation
 Hospitality and Gambling Interests  Delay Closing
 of Billion-Dollar Tax Loophole
 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]
 --------------------------------------------------------------
 
  Position Wanted---Risk Management
 Seeking New 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. Risk Management(Chicago Based) Highly knowledgeable  and analytical Equipment Leasing Executive; leveraging 25 years in Portfolio  Management, Operations, Credit, and Collections within Banking environment and  Commercial Equipment Leasing Industry; proven track record,  developing/implementing strategies, sound operational excellence and process  improvement, while maximizing revenues and positioning organizations for  greater success. wgriffith61@yahoo.com
 Resume:http://leasingnews.org/items/BGriffithResume2015.pdf
   
 [headlines]--------------------------------------------------------------
 Top Stories December  14-December 18(Opened Most by Readers)
 
   (1) Apology to Financial PacificShould have been FinTech
 http://leasingnews.org/archives/Dec2015/12_18.htm#apology
 (2) New Hires---Promotions in the Leasing  Businessand Related Industries
 http://leasingnews.org/archives/Dec2015/12_18.htm#hires
 (3) New FinTech Association Hires Executive  Director12 Years Washington Public Policy  Experience
 http://leasingnews.org/archives/Dec2015/12_16.htm#finpac
 (4) Chart---Federal Interest Rate on Consumer  CreditMortgages, Auto Loans, and Credit  Cards
 http://leasingnews.org/archives/Dec2015/12_16.htm#chart
 (5) FinTech #102 by Charles AndersonStacking of Loans/Cash Advance
 http://leasingnews.org/archives/Dec2015/12_16.htm#fintech
 (6) “Been out of leasing, but want back in.”Career Crossroad---By Emily  Fitzpatrick/RII
 http://leasingnews.org/archives/Dec2015/12_14.htm#crossroad
 (7) California Concerned about Financial  Technology PracticesWants Survey of Alternate Financing  Companies
 http://leasingnews.org/archives/Dec2015/12_14.htm#california
 (8) Many in Industry Taking Off for the  HolidaysIncluding Theresa Kabot, CLFP, BPB
 http://leasingnews.org/archives/Dec2015/12_18.htm#many
 (9) Letters?   ---We get Email!(Lot of Answers to SB 197 and More)
 http://leasingnews.org/archives/Dec2015/12_16.htm#letters
 (10) Watson joins Rick Wilbur Familyin Paradise Valley, Arizona
 http://leasingnews.org/archives/Dec2015/12_14.htm#watson
 
 
 
 
 [headlines]--------------------------------------------------------------
 ELFA Continues Down  Report of New BusinessNovember MLFI-25 Report Down 21% from  October
 
 
 The Equipment  Leasing and Finance Association MFLI-25 November report was $6.1 billion in new  loans, leases, and lines of credit, according to Reuters, which would be 20.77%  down from October. The trend was  against Leasing News Lessors, as reported for October. US Business Did Not Fall for These  LessorsDespite the  ELFA October MLFI-25 Report
 http://leasingnews.org/archives/Nov2015/11_25.htm#elfa
 
 
 
 [headlines]--------------------------------------------------------------
 Great News! Section 179  Signed into LawApplies to 2015, if Delivered this  Year
 
 Under current  legislation, the bonus depreciation is extended through 2019. This allows  businesses to apply a 50 percent bonus depreciation to any equipment bought during  and delivered this fiscal year.  This  applies to capital leases and can also be passed in TRAC and specific operating  leases by the lessor. For example,  50 percent of any equipment delivered on or before Dec. 31, 2015, can be  depreciated on a company’s 2015 taxes, with the rest depreciated over the  remaining useful life of the equipment. The current  bill allows the full 50% for property placed in service during 2015, 2016 and  2017, then phases down to 40 percent in 2018 and 30 percent in 2019, according  to an analysis by John McClelland with the American Rental Association (ARA). There’s  better news on the Section 179 front. The Section 179 cap, which was reduced to  $25,000 for fiscal 2015, not only went back up to the $500,000 cap in effect  from 2010 to 2014. Section 179  will be permanent at the $500,000 level. Businesses exceeding a total of $2  million of purchases in qualifying equipment will have the Section 179  deduction phase-out dollar-for-dollar and completely eliminated above $2.5  million. Additionally, the Section 179 cap will be indexed to inflation in  $10,000 increments in future years.  This section  of the tax code, according to the section179.org website, allows businesses to  deduct from its gross income the full purchase price of qualifying equipment  bought during a tax year, instead of depreciating it over time. If you exceed a  total of $2 million in annual qualifying equipment purchases, there’s a  dollar-for-dollar phase out of the depreciation until it’s completely  eliminated above the $2.5 million level.  Here is a  summary from the Congressional Ways and Means Committee “Protecting Americans  from Tax Hikes Act of 2015:”(See Section  143 on Bonus Depreciation and Section 124.   There
 are many  other tax incentives in the summary).
 http://waysandmeans.house.gov/wp-content/uploads/2015/12/SECTION-BY-SECTION-SUMMARY-OF-THE-PROPOSED-PATH-ACT.pdf    
 [headlines]--------------------------------------------------------------
 
“California Sucks for  Merchant Advance”Response to Editor Sean  Murray, www.debanked.com
 By Tom McCurnin
 Leasing News Legal Editor
 
 I was asked to comment on the recent  posting by www.debanked.com Editor which supports merchant advances and  apparently has strong feelings about California’s licensing of lenders  (1). His citation of a well-known case, Bistro Executive, Inc., et.  al. v. Rewards Network, for support for the idea that lenders should not  have to be licensed is interesting, and probably the wrong example. The Bistro case involved an  East Coast lender of restaurant receivables. The transaction is  unnecessarily complicated but generally involved the lender taking a personal  guaranty, collateral for the loans, then making loans which had to be repaid at  about twice the amount borrowed. Rewards Network’s own management called  the business model a “loan,” and actually took personal guaranties and  collateral, and instituted collection actions in California, and then had the  audacity to come into Federal Court and argue that the transactions really  weren’t loans. The Federal Judge quickly saw through this ridiculous  argument, and the company did not do themselves any favors with this judge by  making such inconsistent arguments. The 32 page opinion goes on for about  15 pages how ridiculous the two-faced argument was.  Once the Federal Court established the  Rewards Network’s advances were loans, the rest was downhill because they  certainly bore interest in excess of the 10% threshold for written loans in  California. The remedies for usury are likewise simple, and I believe  fair. The loan remains in full force as does any collateral, but, the  lender forfeits the right to collect interest and must refund two years’ worth  of payments measured from the filing of the Complaint. There is a  possibility of a discretionary treble damage award for the last year of  payments, but often judges use their discretion not to award treble  damages. No attorney fees may be awarded.    Mr. Murray complains of “crippling  usury litigation,” but frankly I’ve not seen that many usury cases which  cripple any business. Finally, I would point out that the process of  obtaining a California license is awfully easy, and involves a small filing fee  and a bond. In exchange, the lender becomes absolutely exempt from  usury. Yes, the Department of Business Oversight may audit licensees, but  assuming the lender reads and follows the law and regulations, this is not a  big burden. That, in my opinion, is a small price to pay.    The bottom line to me on these comments  and making the Rewards Network the poster child of usury victims is really  misplaced. That company had 100% interest rates, wasn’t licensed and then  retained counsel which advanced a really ridiculous argument—that the program  wasn’t really a loan when it had all the accoutrements of a loan program,  including collections actions.   For anyone interest in reading these  really ridiculous arguments, the Court’s judgment on Summary Judgment is  attached. I’m no fan of usury claims, but compliance with the law and  exemptions from the usury law are so easy to come by these days, I just don’t  see very many usury claims. Moreover, they are so easy to spot, that the  cases ought to settle quickly unless the lender’s management is too stupid to  understand usury and licensing.    Bistro v Rewards Network (32 pages)http://www.leasingnews.org/PDF/BistroRewardsNetwork2015.pdf
 
 (1) California  Sucks for Merchant Cash Advance
 By: Sean Murray, Editor,  debanked.com
 http://debanked.com/2015/12/california-sucks-for-merchant-cash-advance/
 Tom McCurnin is a partner at Barton, Klugman & Oettingin Los Angeles, California.
 
 Tom  McCurninBarton,  Klugman & Oetting
 350  South Grand Ave.
 Suite  2200
 Los  Angeles, CA 90071
 Direct  Phone: (213) 617-6129
 Cell  (213) 268-8291
 Email:  tmccurnin@bkolaw.com
 Visit  our web site at www.bkolaw.com
 Previous  Tom McCurnin Articles:
 http://www.leasingnews.org
 Previous  Tom McCurnin Articles:http://www.leasingnews.org/Conscious-Top%20Stories/leasing_cases.html
     [headlines]--------------------------------------------------------------
 Navitas Lease Corp. CA  Lenders License PolicyIssues Policy to All Third Party  Originators
 
 Leasing News  has reproduced several leasing companies’ new policy regarding the new law going  into effect January 1st, 2016 regarding, as well as answering specific  questions. So far, all have been in agreement on the need to do business only  with those licensed to do lending or  capital leases in California. This is quite  definitive and comes from Dwight Galloway, Senior V.P. Broker Operations, RLC Funding,  a Division of Navitas: "We  elected to alert our brokers to our policy. Many who do not attend the leasing associations’ meetings were in the  dark and wondering what their funders were going to do and what options they  will have. Many have replied that they  will take their attorney’s advice and do no more than the exempt 5 deals per  twelve months. For many out of state  brokers that should cover most of their needs.  "I  expected that you might summarize all the funders’ policies. It sure would help the brokers." Dwight   From Navitas to Third Party Originators: CALFORNIA  LENDERS LICENSE Many broker/lessors are asking what  our policy will be regarding the new amendment to California's Lenders License  law, Senate Bill No. 197.  Please call me if you need to discuss  our policy.  If you do minimal business with California customers, it  simply may not be worth the time and expense to acquire and maintain the  License and to endure the annual reporting and possible audits.     Navitas Policy: As of January 1,  2016, you must have an active California Lender's License, or provide  verification (a copy of your submitted app will do) that you have applied for  the license, in order to submit applications for lessees/obligors located in  California, for any EFA, $1.00 out, or lease with a nominal purchase option  (PUT or "no more than").  Approvals you already have will be  honored, regardless.
 Our  understanding of the law and this amendment: - It does not apply to "true  leases" which we consider to be unlimited FMV leases or rentals.
 - It does not matter where you are in  the US.
 - It does not matter where the vendor  is.
 - It does not matter whether it is on  your docs or our documents.
 - It does not matter whether you are  the lessor/lender or us.
 - It does not matter whether you are  brokering or assigning/discounting the deal.
 - It's "5 deal exemption"  does not apply to one who performs the normal activities of a broker on more  than 5 total---not 5 per funding source.
 Reality: The amendment is far reaching and  carries significant penalties for violators. You can go online to  review/apply for the application and you may wish to consult an attorney for  assistance, though that is not required. Nationwide, brokers are  considering whether or not to apply based on the type and amount of CA business  they anticipate. You may wish to consult one of the numerous industry  attorneys who have published their impressions of the amendment.
 After you have made your decision,  please let us know your plan.     Dwight Gallowaydgalloway@RLCfunding.com
 803-566-8245 Ext. 302
 Questions to  Leasing News with answers: How Does it Affect  Vendor Spiffshttp://www.leasingnews.org/PDF/AffectVendorSpiffs2015.pdf
 
 Greatest Hardship Out of  State Brokers
 http://www.leasingnews.org/PDF/HardshipOutStateBrokers2015.pdf
 
 Inspecting My Office in  New Orleans
 http://www.leasingnews.org/PDF/InspectingOfficeNewOrleans2015.pdf
 
 Banks Most Asked Questions  on New California Law  http://www.leasingnews.org/PDF/QuestionsCalifornia%20Law2015.pdf
     [headlines]--------------------------------------------------------------
 Each  Year Poet Barry Marks, also an Attorney,Writes  a Christmas Poem for Leasing News Readers
 “For a better economy in 2-0-1-6”
 
 Dear  Santa  This  year I don't want a tie or sweater, Just  please make business a little better.
 It's  been a struggle nearly all the time
 Since  things went south in two thousand nine.
 I  thought I'd hang it up back when The  banks pulled back in twenty-ten.
 And  it's hardly been a slice of heaven
 In  fourteen, thirteen, twelve or eleven.
 Yes,  Santa fifteen's a better year, But  I greet each forecast with a dose of fear.
 Please  loosen credit, let money flow
 And  settle things down, let business know
 There's  nothing to fear but fear itself So  they will buy what's on the shelf.
 My  clients are businessmen, now don't you knock it
 They  deserve to make a reason'ble profit.
 So  Santa, just let this boy be clear I  do believe, I don't laugh or sneer.
 You,  Donner, Blitzen, the elves, and deer
 Can  make Christmas magic for me this year.
 Just  give us a kickstart, put in the fix For  a better economy in 2-0-1-6
 (And  one more thing...can I make this rhyme?
 Please  let my clients pay on time!).
 Santa,  I'm not prone to moan or b*tch. But  I hope we all get good and rich.
 And  to all Kit's readers, hope these rhymes delight.
 Merry  Christmas to all, and a safe, good night!
   Poetry Books by Barry Marks, Esq.
 Dividing by  Zero
 Possible  Crocodiles
 Sounding
 (Available at www.amazon.com)
 One Sentence  Poems
 http://www.onesentencepoems.com/osp/tag/barry-marks/
 An Interview  with Barry re: "Dividing by Zero"
 http://www.negativecapabilitypress.org/blog/2015/2/17/an-interview-with-barry-marks
   [headlines]--------------------------------------------------------------
 Leasing  Industry Ads---Help WantedTime to apply is today
 
  
      
        | 
          
          
             Credit AnalystAnaheim,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.comA 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]--------------------------------------------------------------
 
    “Why I left my previous  employer...”Career Crossroad---By Emily  Fitzpatrick/RII
  
   Question: I have heard I should not speak  negatively about previous employers …. How do I handle this in an interview  when asked why I left my previous employer? Answer: In an interview NEVER – I repeat –  NEVER talk negatively about previous employers or colleagues; choose your words  very carefully. If you had a less than positive experience with a previous  employer / colleague, how about:  - The position/corporate culture was  not a good fit for me- I did not feel I was being utilized to my full capability
 DO NOT give a laundry list of  complaints – this will damage your chances of being made an offer. Who wants to  hire someone who has a pessimistic attitude! Always be upbeat and spin in a  positive light (e.g. I realized that I am looking for a different type of  culture) … The exception to this rule: if you are  working with a Recruiter; they should know your hot buttons and assist in  finding a situation that will fit your current and future career goals; as such  they should be privy to both positive and negative experiences. Recruiters  should not be revealing this confidential information to potential employers …  discuss with your recruiter and make sure this is the case.  But when talking with a HR person or  the one who does the hiring, when taking your application or in an interview,  this person is JUST as important as the President of the company; no negative  talk – period!  Emily  FitzpatrickSr. 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 Columnshttp://www.leasingnews.org/Conscious-Top%20Stories/crossroad.html
   [headlines]--------------------------------------------------------------
 
 (Terry retired January  1, 2015. Since then, Leasing News has been reading past columns, which are  appropriate today. How long we will keep doing this has not been determined.  But in the last time period, columns to close leases by December to help out  clients with tax savings has come more timely with the passage of bonus  depreciation as well as extension of Section 179.  Here is one that is value to banks, brokers,  and lessors as well as funders, from September 15, 2015.)
 
 Community Banks 
  One of the best funding  sources I have found are community banks with assets around $500 million. They  usually are looking for good commercial loans, which mean they prefer non-tax  leases with no residual requirements. If you have the capital to invest in some  equity, perhaps you could sell them the payment stream and retain the right to  collect a fixed purchase option. Community banks do not  have the ability to handle the lease accounting requirement, so they will  prefer to have you borrow the equipment cost and pledge the lease as collateral  on the loan. Then they can use their loan accounting system. Some may think  they can use a loan accounting for non-tax leasing, but too many items are  ignored. Loan accounting is customer based whereas lease accounting is asset-based  because location is key for sales tax, property tax and any other applied  tax.  It is simple if it is only one piece of equipment, but if there are  multiple pieces of equipment, and they are in different counties or States, it  becomes very difficult very fast. Community banks usually  like to have transactions in their own foot print, so they can have an  opportunity to sell other bank products. That is one of the conversations you  should have with the bank when you are asking them to fund your deals. If they  think you are bringing them new customers, they will be more acceptable to  leases. In addition most community banks are State Chartered Banks and are not  qualified to do business out of State. On occasion, if you handle  the relationship with the bank by servicing your deals with collection help and  lease education, they may refer you to their customers that ask for lease  financing. It can be a favorable partnership, if all the requirements of lease  operations are handled correctly. Community banks usually  have to be sold on the benefits of leasing because they do not offer it, so  their customers never ask for it, so they assume no one wants it. In addition,  they usually like small deals to begin with, and then, as they get use to  leases, the size can increase. They are very sensitive to their legal lending  limit for specific industries and equipment, so you need to discover the size  parameters, so you do not offer something they are not prepared to accept. Bankers have very long  memories, so if they lost money on a loan with specific equipment as collateral  they will always shy away from any deal with that kind of equipment regardless  of the good credit. It would be wise to ask what kind of equipment they do not  like. Some banks think their  customers are not interested in leasing because they have never asked for it,  so a good idea is to ask for the name of 5 or 6 of their best customers and run  a UCC search looking for liens from leasing companies. It never fails to  surprise them when they see that there customers are leasing but have never  said so. Community Banks are a good  funding source however it takes some time to cultivate a good relationship, so  do not expect a quick response. Don’t be surprised if they want not only a  business plan, but financial statements on your company and you as the personal  guarantor. From Ralph Mango, Associate Editor:I would add that the sales cycle to  convince them (1) to add leasing to their sales calls, (2) to bring you in at  the earliest as a joint call, (3) that leasing is not just for garbage credits,  (4) this is a legitimate source of fee income is lengthy and sometimes painful.
 My experience across several such external originator programs with multiple  employers is that the education process is often as difficult as implementing  the calling and referral process. Bankers do not like joint calls and it takes  them forever to get comfortable with you and your process. Usually the first  prospect is one they cannot get through their own credit approval process, and  if you can’t approve, your momentum is set back almost irreparably.  Anticipate a lengthy courtship and set  expectations accordingly. Alternatively, there were several that turned out to  be excellent sources of decent steady volume with solid credits. Previous #102 Columns: http://www.leasingnews.org/Conscious-Top%20Stories/Leasing_102/Index.htm
    
  (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]--------------------------------------------------------------
 ##### Press  Release ############################ Foundation Launches  Equipment Finance Departmentwith Appointment of Senior Vice  President Mike Mayfield
 
 New Equipment Finance  Department created to provide a comprehensive offering to existing and potential  clients The launch coincides  with the appointment of Mike Mayfield, who will lead the division as Senior  Vice President, as wellas Steve Tidland and Bree Johnson
 IRVINE, Ca.—–  First Foundation Inc. (NASDAQ: FFWM), a financial services company with two  wholly-owned operating subsidiaries, First Foundation Advisors and First  Foundation Bank, which collectively provide investment management, wealth  planning, consulting, insurance, trust and banking services primarily to high  net-worth individuals and businesses, today announced the launch of its  Equipment Finance Department, located at the bank’s headquarters in Irvine,  California.  The new  offering was created to deliver greater value to clients by providing equipment  finance and leasing services to both existing and new clients. The launch  coincides with the appointment of Mike Mayfield, who will lead the department  build out and serve as Senior Vice President. A 25-year veteran of the banking  industry, Mr. Mayfield previously served as a Managing Member of Commercial  Finance Company LLC and President of Golden West Financial Services, a  subsidiary of Citizens Business Bank.  Scott  Kavanaugh
 Chief  Executive Officer
 First  Foundation Inc.
 Chairman of  the Board and Chief Executive Officer
 First Foundation  Bank
 “The  equipment finance offering enhances an important element of our banking  platform and gives us an opportunity to serve our clients in new ways,” said  Scott F. Kavanaugh, CEO of First Foundation. “Not only does it allow us to  deepen our relationship with existing clients, it also provides us new  opportunities to serve others.”  The new  offering will leverage relationships with third-party originations as the  primary driver of growth and is aimed at improving the client experience of the  traditional model.  “I have been  impressed with what First Foundation is doing for its clients and I am honored  at the opportunity to add to the strength of its respected platform,” stated  Mr. Mayfield. “To be able to offer equipment financing truly rounds out the  bank offering.” Aside from  Mike Mayfield, the Equipment Finance Department will be anchored by two  additional members. Mr. Mayfield will be joined by Steve Tidland, who will  serve as a full-time consultant to the bank.   Mr. Tidland joins First Foundation after serving as Senior Vice  President of the Commercial Leasing Department of Financial Pacific Leasing.  Also, Bree Johnson will join the team as Lease Operations Manager.  Previously, Ms. Johnson was Operations  Supervisor for the Commercial Leasing Department of Financial Pacific Leasing. Mr. Kavanaugh  added, “We feel that we are uniquely positioned to serve this specialty area of  finance and the launch of this effort is perfectly aligned with the vision of  our firm to offer solutions that contribute to the wealth and well-being of our  clients.”  First  Foundation, a financial institution founded in 1990, provides integrated  investment management, wealth planning, consulting, insurance, trust and  banking services. The Company is headquartered in Irvine, California, with  offices in Newport Beach, Pasadena, West Los Angeles, Oakland, San Diego, Palm  Desert and the Imperial Valley in California; in Las Vegas, Nevada; and in  Honolulu, Hawaii. For more information, please visit our website at www.ff-inc.com.  
 [headlines]--------------------------------------------------------------
 #### Press  Release ############################# Dave Gilbert Sponsors  his Alma Mater Holiday Bowl“Go Trojans!" He Shouts.
 
 SAN  DIEGO,  -- For the first time ever, a  major FinTech company and small business lender, National Funding, has  announced that it will be the title sponsor of the 2015 Holiday Bowl in San  Diego. The National Funding Holiday Bowl pits USC versus Wisconsin. Founded in  1999 by USC alumnus David Gilbert, National Funding is a San Diego-based  financial technology company serving small to medium-sized businesses  nationwide.  Dave Gilbert
 Founder/CEO, National Funding
 Former co-founder Five Point Capital
 "National  Funding has helped small businesses – locally and nationally -- with the  capital they need to grow their operations for nearly 20 years," says  David Gilbert, CEO, National Funding. "After a breakthrough year for the  company, it felt like the right time for our company to give back to our  community and make a bold statement in our industry by sponsoring this bowl." National  Funding is on pace for a record-breaking year with a 67% revenue jump from 2014  and the company recently doubled its office space to accommodate employee count  up to 273. The company's rapid growth underscores a surge in the FinTech  industry overall which took on more than $12B in investment in 2015, triple the  amount from the previous year. The 2015  National Funding Holiday Bowl kicks off Wednesday, Dec. 30 at 7:30 p.m. and  will feature the 25th-ranked USC Trojans (8-5) from the Pac-12 against the  Wisconsin Badgers (9-3) from the Big Ten. The game will be played at Qualcomm  Stadium. The mission  of the non-profit National Funding Holiday Bowl is to generate tourism,  exposure, economic benefit and civic pride for San Diego and its citizens by producing  the nation's most exciting and entertaining bowl game and festival of events.  Since its inception in 1978, the organization has generated $730 million in  economic benefit for the San Diego region. More  information on the game can be found at www.SanDiegoBowlGames.com
 About National FundingFounded in  1999, National Funding is one of the country's leading financial technology  companies for small and medium-sized businesses, providing working capital loans,  equipment financing, merchant cash advances and credit card processing.  National Funding has provided more than $1  billion in capital for over 20,000 businesses nationwide. The company believes  in American small business owners, and strives to provide fast turnaround,  flexible solutions and great service to all of its customers and clients in a  diverse range of industries including: construction, excavation, manufacturing,  retail, packaging, printing, restaurant, telecommunications, trucking, transportation,  and waste management, among others. The company was recognized on the Inc. 500  | 5000 list for the past three years, as well as placing on San Diego Business  Journal's Fastest Growing Companies for the past three years. For more  information, please visit: www.nationalfunding.com,  or connect with us on Facebook or Twitter.
 ### Press  Release ############################ (Leasing News provides this ad as a  trade for investigative
 reporting provided by John Kenny)
 
 [headlines]--------------------------------------------------------------
 
      Leasing  News: Special Christmas EditionBy Fernando Croce
 As the year draws to a close,  it’s time once again to seek for the old and modern Yuletide classics waiting  at Netflix. This year we’ve put together a selection of the more offbeat titles  for movie buffs—so consider this our own personal batch of cinematic gifts.  
 Trading Places (John Landis, 1983): Christmas spirits and rollicking  revenge go together like mistletoe and eggnog in this rib-tickling comedy  blockbuster. Eddie Murphy and Dan Aykroyd are at their best as men on opposite  sides of the economic spectrum, a struggling con man named Billy Ray Valentine  (Murphy) and a snooty broker named Louis Winthorpe III (Aykroyd).  The two are switched as part of a wager conducted by the Duke Brothers (played  by Ralph Bellamy and Don Ameche), but join forces once they realize they’ve  been manipulated by the cruel millionaires. Inspired by the classics of Capra  and Sturges, director John Landis (“Animal House”) combines slapstick with  social commentary in a neat package. Add a cast that includes Jamie Lee Curtis  and Denholm Elliott, and you got one of the best ‘80s comedies. 
 Gremlins (Joe Dante, 1984): Cuteness and  terror are mixed with riotous results in this gleeful horror-comedy from the  imaginative Joe Dante (“The Howling”). With Christmas just around the corner,  small-town teen Billy (Zach Galligan) gets a unique gift: a furry and adorable  little critter known as Mogwai, who becomes his beloved new pet. However, when  an accident causes the tiny guy to release dozens of ferocious gremlins, the  peaceful town is overrun by mischievous monsters. Can Billy and his girlfriend  Kate (Phoebe Cates) put a stop to this invasion before it’s too late? Sending  up the season’s conventional wholesomeness with subversive delight, director  Dante packs the story with movie-buff jokes and cameos, including a story  involving a chimney that would send chills up Santa Claus’ spine. A wicked and  witty roller-coaster ride. 
 National Lampoon’s  Christmas Vacation (Jeremiah  Chechik, 1989): The Griswold clan goes  yuletide in this hilarious entry in the “Vacation” franchise. This time around,  the beloved klutzy family courts disaster by hosting a Christmas dinner, which  naturally spins out of control from the very first moment. Determined to bring  together both sides of the family, well-meaning but hapless paterfamilias Clark  (Chevy Chase) staples thousands of light bulbs all over their house and  chainsaws a tree that might be a bit big for their living room. With his  ever-supportive wife Ellen (Beverly D’Angelo) and shabby cousin Eddie (Randy  Quaid) by his side, he brings over all the in-laws for a turkey meal that goes  from bad to worse. Filled with uproarious gags, the movie also touchingly  captures the Griswolds’ gumption even in the face of disgrace. 
 Eyes Wide Shut (Stanley Kubrick, 1999): Legendary director Stanley  Kubrick (“2001: A Space Odyssey”) ended a career full of audacious projects  with this provocative drama, which strangely enough plays at times like a  Freudian nightmare version of “It’s a Wonderful Life.” Tom Cruise and Nicole  Kidman star as William and Alice Harford, a wealthy New York couple whose  stable life increasingly gives off hints of unsettled obsession. When a  confession by Alice sends him on a furious stroll through the frigid streets of  the city, William embarks on a dark journey into the city’s secret corners.  What follows is a twisty tour of mystery and discovery that will change the way  they see things forever. With his trademark complex camera and sardonic humor,  Kubrick takes a piercing look at human desire that doubles as an unlikely  Christmas story. 
 ‘R Xmas (Abel Ferrara, 2001): The director of “Bad Lieutenant”  would seem like an unexpected choice for a Christmas tale, yet Abel Ferrara has  always had a streak of funky humanism to go with his brutally grungy  sensibilities. So it goes with this underrated, surprising crime drama, set  against a backdrop of wintertime Manhattan. The story focuses on an upwardly  mobile young couple (Lillo Brancato Jr. and Drea de Matteo) who lead a seemingly  respectable suburban life while being part of a drug business. The  contradictions come to a clashing halt when the father is kidnapped on  Christmas Eve, and his tough wife must face a crooked cop (Ice-T) by herself. A  gritty and audacious portrait of the American Dream gone to seed, Ferrara’s  film deserves more recognition as a one-of-a-kind holiday card. [headlines]--------------------------------------------------------------
 
      American Bulldog/BoxerSan Diego, California Adopt-a-Dog
  Blossom
 #179477
 Female
 2Yrs 6Mths
 62.4lbs
 Color: Tan/White
 Spayed: Yes
 Adoption Fee: $95.00
 (From December 18 -27, all adult
 animals are $10.  There's no place like
 home for the holidays.
 How I  arrived: I was transferred in from the Department of Animal Services- Southern  location.  At SDHS: My  doctors have helped me feel better as my skin was a little irritated when I  first arrived. I am now ready for adoption. Why I am the  one for you: My Personality Color Code is Orange; meaning I'm  Vivacious...enthusiastic... bubbly... vibrant...and cheerful!! I'm looking for  a home with a patient family as I may need on-going care and time to continue  to heal. In return, I will provide a lifetime supply of tail wags, kisses,  cuddles, goofy antics and a sweet disposition that will blow your mind. Come  meet me today. You won't regret it! I'm currently located at:San Diego Humane Society
 San Diego Campus - Gaines Street
 5500 Gaines St. San Diego, California  92110
 (619) 299-7012
 
 Adopt a Pethttp://www.adoptapet.com/
 
  [headlines]--------------------------------------------------------------
 
   News Briefs---
 
 
 Free State UCC SearchesCompliments of debanked.com
 http://debanked.com/merchant-cash-advance-resource/free-ucc-search/
 Merchant Cash Advance Leads/Merchant  LeadsCompliments of debanked.com
 http://debanked.com/merchantcashadvanceleads.php
 Japanese Financial Institutions  Partner w/Technology StartupsTo Utilize the Blockchain
 https://www.cryptocoinsnews.com/japanese-financial-institutions-partner-with-technology-startups-to-utilize-the-blockchain/
 Amazon is to lease a fleet of 767 jet  planes to controlits  overseas shipping operation
 http://www.ibtimes.co.uk/amazon-lease-fleet-767-jet-planes-control-its-overseas-shipping-operation-1534188
 Hospitality and Gambling Interests  Delay Closing of Billion-Dollar Tax Loophole
 http://www.nytimes.com/2015/12/21/us/politics/hospitality-and-gambling-interests-delay-closing-of-dollar1-billion-tax-loophole.html
 
 
      
        | 
          
          
             Credit AnalystAnaheim,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.comA subsidiary of Umpqua Bank
 
 
 |  [headlines]
 --------------------------------------------------------------
  --You May Have Missed It
 Foodchannel.com  Announces Its Top Ten Food Trends For 2016http://www.prnewswire.com/news-releases/foodchannelcom-announces-its-top-ten-food-trends-for-2016-300192743.html
 [headlines]
 --------------------------------------------------------------
 SparkPeople--Live  Healthier and Longer  
 
 Probiotics: A Billion  Good BugsFriendly Bacteria for Your Digestive  System
 http://www.sparkpeople.com/resource/nutrition_articles.asp?id=576
 
 [headlines]--------------------------------------------------------------
 
 LEIF ERICSON 
Leif the Viking  bent his kneesAnd prayed to God in ten-o-three
 "With your help I’ll set the sail
 With your wisdom we’ll prevail."
 Across the sea to  a far off land
 The Vikings sailed under Leif’s command
 In winds and waves the ship was tossed,
 But through it all the bark did cross.
 A new world waited  for Leif to view
 Adventure, wonder, farmland too
 Clear waters, fish and hunting grounds
 A finer land could not be found
 A man of courage,  faith, and prayer
 Leif the Norseman did his share
 To open the worlds beyond the sea
 A noble Viking, great was he!
 Written by Carol  Naevestad-Billings of Oxford, CT
 [headlines]
 --------------------------------------------------------------
  
 Sports  Briefs---- N.F.L. Week 15: Playoff Picture Comes  Into FocusAll the  Scores: Playoff WrapUp
 http://www.nytimes.com/interactive/projects/cp/nfl-live/week-15-scores?ref=sports
 Coddling  Coughlin shows why he shouldn’t be only one firedhttp://nypost.com/2015/12/20/coddling-coughlin-shows-why-he-shouldnt-be-only-one-fired/
 Newton  backs up MVP talk with win over Giants http://www.torontosun.com/2015/12/20/panthers-stay-perfect-with-last-second-field-goal
 Raiders-Packers: What we learned in  Oakland's 30-20 lossPlayoff Hopes Officially Ended
 http://www.insidebayarea.com/raiders/ci_29289113/raiders-packers-what-we-learned-oaklands-30-20
 Scoreless first half dooms 49ers to  10th loss of seasonStadium  35% Full Half-Time Honoring Super Bowl Winning Teams
 Among the  guests of honor: Eddie DeBartolo, Joe Montana, Jerry Rice,
 John  Taylor, Harris Barton, Jesse Sapolou, Bubba Parris
 http://www.insidebayarea.com/49ers/ci_29289117/scoreless-first-half-dooms-49ers-10th-loss-season
 Chargers  beat Dolphins 30-14http://www.sandiegouniontribune.com/news/2015/dec/20/chargers-dolphins-last-home-game-of-season/
 Wilson  stays hot as Hawks clinch playoffs with win over Brownshttp://www.seattletimes.com/sports/
 Steelers  surge back on Broncos to move ahead in playoff hunthttp://www.usatoday.com/story/sports/nfl/steelers/2015/12/20/pittsburgh-antonio-brown-denver-broncos/77677318/
 Three-Way  Fight for Share of L.A's Billion-Dollar NFL Markethttp://www.courthousenews.com/2015/12/18/three-way-fight-for-share-of-l-as-billion-dollar-nfl-market.htm
 Playoff  picture: Texans, Chiefs continue surge in AFChttp://www.usatoday.com/story/sports/nfl/2015/12/20/playoff-picture-scenarios-clinch-texans/77670450/
 Maple  Leafs showing improvement under Babcockhttp://www.torontosun.com/2015/12/20/maple-leafs-showing-improvement-under-babcock
    (Leasing News provides this ad as a  trade for appraisals
 and equipment valuations provided by Ed Castagna)
   [headlines]--------------------------------------------------------------
  California  Nuts Briefs---
 
 Facebook pays  employees $10,000 bonus to live near officehttp://www.siliconbeat.com/2015/12/18/facebook-offers-10000-to-workers-who-move-within-10-miles-of-its-headquarters/
 [headlines]
 --------------------------------------------------------------
  “Gimme  that Wine”
 
 http://www.youtube.com/watch?v=EJnQoi8DSE8
 Don Ditter,  Former Chief Winemaker at Australia's Penfolds,Dies at 89
 http://www.winespectator.com/webfeature/show/id/52519
 Fetzer Gets  Award for B Corp Certificationhttp://www.forbes.com/sites/thomaspellechia/2015/12/15/mendocino-ca-to-cop21-je-suis-fetzer-vineyards/
 
 Free  Mobile Wine Programhttp://leasingnews.org/archives/Feb2010/2_26.htm#mobile
  Wine  Prices by vintagehttp://www.winezap.com
 http://www.wine-searcher.com/
  US/International  Wine Eventshttp://www.localwineevents.com/
  Leasing  News Wine & Spirits Pagehttp://two.leasingnews.org/Recommendations/wnensprts.htm
 
 [headlines]----------------------------------------------------------------
 
 This Day in American History 
            1620 - According to Governor William Bradford’s “History of Plymouth  Plantation”, the Pilgrims, aboard the Mayflower, reached Plymouth, MA, “sounded  ye harbor, and founde fill for shipping; and marched into ye land, & founde  diverse cornfields, and ye best they could find, and yea season & their  presente necessitie made them glad to accepte of it.... And after wards tooke  better view of ye place, and resolved wher to pitch their dwelling; and them  and their goods”.  Plymouth Rock, the  legendary place of landing since it first was “identified” in 1769, nearly 150  years after the landing, has been a historic shrine since. Contrary to common  belief, the Pilgrims tried several locations first, including Provincetown  Harbor, Mass, where the first social contract for a New England colony was  drafted and signed by 41 adult males. The Pilgrims did not settle there, but  went on after a time to Plymouth. Physician Dr. Samuel Fuller was on board, in  fact one of the signers of the Mayflower Compact. For some time, he was the  sole physician in Massachusetts. In a letter dated June 28, 1630, written at  Salem, MA, to Governor William Bradford of Plymouth, he described one of the  customary treatments, in which he “let some twenty of these people blood”.1790 - Samuel Slater's  thread-spinning factory goes into production, Pawtucket, Rhode Island. The  beginning of the Industrial Revolution in America. The workers at his machines  are 4 to 10 years old.
 http://www.woonsocket.org/slaterhist.htm
 http://john.ourjourneys.org/slater/early.html
 http://inventors.about.com/cs/inventorsalphabet/a/textile_2.htm
 1829 - Birthday of Laura Dewey  Bridgman - struck deaf and blind at two, she was the first blind-deaf mute to  be taught successfully. LDB eventually helped teach others with disabilities.  She learned to read through a Braille-like system and "spoke" through  tapping out an "alphabet." as taught her by Samuel Gridley Howe at  the Perkins Institute for the Blind, Boston. Howe's methods of teaching her are  still being studied today and his journals as well as Bridgman's are carefully  read for their insight and aid for teaching all those with disabilities. The  records kept by Howe and by Bridgman's teachers are invaluable to modern  researchers investigating the education of the disabled, as they are the first  detailed records of the education of a deaf-blind person." She lived her  entire life at Perkins, dying at age 60.
 http://library.pittstate.edu/spcoll/ndxbridgman.html
 http://library.pittstate.edu/spcoll/bridgman1.html
 http://www.highbeam.com/library/doc0.asp?DOCID=1P1
 :30431105&num=3&ctrlInfo=
 Round9c%3AProd1%3ASR%3AResult&ao=
 1830 - Birthday of early American author  Mary Virginia Hawest Terhune. Her novels often centered around southern  plantation life. Her first novel Alone (1854) sold more than 100,000 copies.  She also wrote advice books, and popular biographies. She wrote syndicated  columns on women's affairs for the Philadelphia North American (1900-10) and  the Chicago Tribune (1911-17).
 http://www3.telus.net/womenswork/mary_virginia_terhune.htm
 http://mn.essortment.com/maryvirginiate_rapi.htm
 http://web.ask.com/searchcp?q=Mary+Virginia+Terhune&t=Mary+Vir
 ginia+Terhune&cache=
 00*2s45u99erpnnw&url=http://www.math.ttu.edu/~wlewis/family.htm&page=&ws=1
 1850 - Celia, a black slave is hung for killing her master. Her tragic  story and the underlying cruelty and the societal-approved prerogative of the  male to sexually satisfy himself with his property - slave or wife - was told  in Meltan A. McLaurin's historically accurate book Celia, A Slave, New York:  Avon Books, 1991. Robert Newsom, a widower, bought Celia when she was about 14,  raping her for the first time on the way back to his Missouri plantation. He  set her up in a cabin behind the main house and in time she bore two children.  As the trial transcripts relate, in trying to resist her master's advances, she  killed him with a stick. White women rallied to her side claiming that women  had a right to resist rape whether they were slaves or not, but not surprising  in the all-male judicial system upheld the male prerogative and the right of  ownership prevailed in court. All appeals failed and she was hanged for murder.  Melton A. McLaurin's book Celia, A Slave (New York: Avon Books, 1991) attracted  a great deal of interest when it was first published because it was the first  time anyone had attempted to reconstruct the life of an "ordinary"  slave, a woman at that. All the real facts that are known about Celia are taken  from the transcripts of her trial. At about 19, she began developing a mind of  her own and even became involved with another slave, George.
 http://www.click2famoustrials.com/celia/celia.htm
 http://www.jacksonvillestory.com/Celia%27s%20Sad%20Fate.htm
 http://www.walmart.com/catalog/product.gsp?product_id=4641
 14&sourceid=1500000000000001827190&dest=9999999997
 1864 - Sherman takes Savannah.  Despite efforts by Confederate General William Hardee to defend the city of  Savannah, GA, Southern troops were forced to pull out of the city, and on this  date Union forces under William Tecumseh Sherman captured the town. By marching  from Atlanta to the coast at Savannah, Sherman had cut the lower South off from  the center. Contrary to Southern belief on history, it was the Confederate  troops who upon leaving the city began the fires so Union troops would not food  or supplies or goods held in stores or warehouses in the city. They also burned  farms on their journey to also cut supplies from Union troops.
 1892 - Walter Charles Hagen, golfer born at Rochester,  NY. Hagen won two US Opens, four British Opens and five PGA Championships. He  was extraordinary in match play, including the Ryder Cup, because he was a  master scrambler and absolutely unflappable. He was also a colorful showman who  brought the game to the masses and helped to increase prize money. died at  Traverse City, MI, October 5, 1969.
 1892 - Portland, OR, was buried under a record 27.5  inches of snow.
 1903 – American detective writer Lawrence Treat born,  wrote under the name Lawrence Arthur Goldstone, often called the  "father" of modern police procedural novel.
 http://www.kirjasto.sci.fi/treat.htm
 1909 - Barney Ross, boxer born Barnet David Rosofsky at  New York, NY. Ross was the first boxed to hold two titles simultaneously. He  won the lightweight crown in 1932 and the welterweight crown in 1934. He also  won a Silver Star during World War II as a Marine. died at Chicago, IL, January  18, 1967.
 1909 - Although called introductory high schools, the McKinley and Washington  schools of Berkeley, California, were the first authorized, junior-high schools  in the United States. They taught grades 7, 8 and 9.
 1912 - Joshua (Josh) Gibson, Baseball Hall of Fame  catcher born at Buena Vista, GA. Gibson is regarded as the greatest slugger to  play in the Negro Leagues and perhaps the greatest ballplayer ever. Gibson  starred with the Pittsburgh Crawford's. his long home runs are the stuff of  legend. In 60 recorded at bats against big league pitching, Gibson batted .426.  He died at 35 years old just three months before the integration of baseball in  the major leagues. Inducted into the Hall of Fame in 1972. Died at Pittsburgh,  PA, January 20, 1947.
 http://www.blackbaseball.com/gibsonjo.html
 1913 - The first crossword puzzle was compiled by  Arthur Wynne and published in a supplement of New York World. He basically  redesigned a Victorian-era game called The Magic Square as a feature for the  Pulitzer newspaper.
 1914 - Marie Dressler, Charlie Chaplin, Mabel Normand  and Mack Swain appeared in the first feature-length comedy that was six reels  long. Mack Sennett directed the film called, "Tillie's Punctured  Romance".
 1929 - The first hospital insurance group plan was  effected by Baylor University Hospital, Dallas, Texas. The plan was inaugurated  by Dr. Justin Ford Kimball, executive vice president of Baylor University. The  first group insured were the Dallas public school teachers, who paid 50 cents  per month for 21 days of hospital treatment.
 1929 - An exceptional snowstorm swept across the  southern Plains through Texas, Arkansas and Louisiana. 26 inches fell at  Hillsboro, TX and 18 inches fell at El Dorado, AR
 1937 – “Snow White and the Seven Dwarfs” was exhibited  in Los Angeles, CA. It was an instant hit. Disney took a tremendous gamble with  this 3-year artistic venture, as fantasies usually did not fare well at the box  office. He had much of his own money tied up in the film, and Snow White had  the potential of financially ruining him. The film was originally budgeted for  $250,000, but ended up costing $1,480,000. The film utilized the talents of 570  artists and contained 250,000 drawings. Would adults sit through a cartoon that  ran nearly an hour and a half? But the pre-release fears were unfounded. The  public and most critics were enchanted and impressed with Disney's  painstakingly crafted fairy tale. Never before had anyone so successfully  produced a full-length animation film, and it was quickly dubbed into 10  languages. In England, children under 16 were not allowed to see the film  unless accompanied by an adult, and it was under partial ban in South Africa  and the Netherlands. The film ran for an unfrequented 5 weeks at New York's  Radio City Music Hall and for 31 weeks in Paris. Snow White set new attendance  records around the world, marking the dawn of a new age in animation. It became  the first movie to earn $1 billion. In its nine theatrical releases it earned  approximately $1 billion in 1994 US Dollars. The home video version of Snow  White was officially released on October 28, 1994, after receiving about 27  million retail orders, making it the top-selling video up to that time.
 1937 - Birthday of Jane Fonda, considered a  controversial figure because she visited Hanoi during the Viet Nam war. She won  Academy Awards for her work in Klute (1971) and Coming Home (1978) and she was  nominated three more times. She won the Emmy for The Dollmaker (1984). One of  the nation's most distinguished actors, she may never be fully honored because  of her anti-war activities during the Viet Nam war. She went to Hanoi and  through radio broadcast begged America to stop the bombing. She has been called  Hanoi Jane ever since by the right wing extremists who distorted her message  and purpose. Her workout books and videos became very popular in the 1980s. She  dropped out of films when she married Ted Turner, the TV mogul, in 1991  (divorced in 200). In 1994 she narrated A Century of Women, a TV series that  celebrated women's achievements in the 20th century.
 1938 - Cootie Williams's Rug Cutters record “Delta Mood”.
 1940 - Rock singer and composer Frank Zappa was born in  Baltimore. The oldest of four children, Zappa and his family moved to  California while he was still in his teens. After graduation in 1958, he played  with various lounge bands and began composing songs, one of which,  "Memories of El Monte," was recorded by the Penguins of "Earth  Angel" fame. In 1964, Zappa took over a rhythm-and-blues band called the  Soul Giants and turned them into the Mothers of Invention. Their irreverent  blend of satire and rock 'n' roll was featured on half a dozen albums in the  '60s. Zappa began a solo career in the '70s, and made a surrealistic film of  rock 'n' roll life called "200 Motels." All told, he released more  than 50 albums, including "Jazz from Hell," which won a Grammy Award  for best rock instrumental in 1988. Zappa died of prostate cancer on December  4th, 1993.
 1942 - Soul singer Carla Thomas was born in Memphis,  the daughter of veteran performer Rufus Thomas. She was the first Memphis soul  artist to have a national pop hit, "Gee Whiz" in 1961. The success of  that disc led to the formation of the Stax Records Company. Thomas had another  pop hit in 1966 with "BABY," and the following year recorded two  duets with Otis Redding, "Tramp" and "Knock on Wood," both  of which made the Billboard Top 30.
 1943 - Birthday of guitar player Wolfman Washington,  New Orleans, LA
 http://www.xtrememusician.com/info/artists/profiles/2659.html
 http://www.offbeat.com/text/wolfman.html
 http://walterwashington.com/index1.html
 1944 - CURREY, FRANCIS S., Medal of Honor
 Rank and organization: Sergeant, U.S. Army, Company K, 120th Infantry, 30th  Infantry Division. Place and date: Malmedy, Belgium, 21 December 1944. Entered  service at: Hurleyville, N.Y. Birth: Loch Sheldrake, N.Y. G.O. No.: 69, 17  August 1945. Citation: He was an automatic rifleman with the 3d Platoon  defending a strong point near Malmedy, Belgium, on 21 December 1944, when the  enemy launched a powerful attack. Overrunning tank destroyers and antitank guns  located near the strong point, German tanks advanced to the 3d Platoon's  position, and, after prolonged fighting, forced the withdrawal of this group to  a nearby factory. Sgt. Currey found a bazooka in the building and crossed the  street to secure rockets meanwhile enduring intense fire from enemy tanks and  hostile infantrymen who had taken up a position at a house a short distance  away. In the face of small-arms, machinegun, and artillery fire, he, with a  companion, knocked out a tank with 1 shot. Moving to another position, he  observed 3 Germans in the doorway of an enemy-held house. He killed or wounded  all 3 with his automatic rifle. He emerged from cover and advanced alone to  within 50 yards of the house, intent on wrecking it with rockets. Covered by  friendly fire, he stood erect, and fired a shot which knocked down half of 1  wall. While in this forward position, he observed 5 Americans who had been pinned  down for hours by fire from the house and 3 tanks. Realizing that they could  not escape until the enemy tank and infantry guns had been silenced, Sgt.  Currey crossed the street to a vehicle, where he procured an armful of antitank  grenades. These he launched while under heavy enemy fire, driving the tank men  from the vehicles into the house. He then climbed onto a half-track in full  view of the Germans and fired a machinegun at the house. Once again changing  his position, he manned another machinegun whose crew had been killed; under  his covering fire the 5 soldiers were able to retire to safety. Deprived of  tanks and with heavy infantry casualties, the enemy was forced to withdraw.  Through his extensive knowledge of weapons and by his heroic and repeated braving  of murderous enemy fire, Sgt. Currey was greatly responsible for inflicting  heavy losses in men and material on the enemy, for rescuing 5 comrades, 2 of  whom were wounded, and for stemming an attack which threatened to flank his  battalion's position.
 1945 - BENJAMIN, GEORGE, JR., Medal of Honor
 Rank and organization: Private First Class, U.S. Army, Company A, 306th  Infantry, 77th Infantry Division. Place and date: Leyte, Philippine Islands, 21  December 1944. Entered service at: Carney's Point, N.J. Birth: Philadelphia,  Pa. G.O. No.: 49, 28 June 1945. Citation: He was a radio operator, advancing in  the rear of his company as it engaged a well-defended Japanese strong point  holding up the progress of the entire battalion. When a rifle platoon supporting  a light tank hesitated in its advance, he voluntarily and with utter disregard  for personal safety left his comparatively secure position and ran across  bullet-whipped terrain to the tank, waving and shouting to the men of the  platoon to follow. Carrying his bulky radio and armed only with a pistol, he  fearlessly penetrated intense machinegun and rifle fire to the enemy position,  where he killed 1 of the enemy in a foxhole and moved on to annihilate the crew  of a light machinegun. Heedless of the terrific fire now concentrated on him,  he continued to spearhead the assault, killing 2 more of the enemy and  exhorting the other men to advance, until he fell mortally wounded. After being  evacuated to an aid station, his first thought was still of the American  advance. Overcoming great pain he called for the battalion operations officer  to report the location of enemy weapons and valuable tactical information he  had secured in his heroic charge. The unwavering courage, the unswerving  devotion to the task at hand, the aggressive leadership of Pfc. Benjamin were a  source of great and lasting inspiration to his comrades and were to a great  extent responsible for the success of the battalion's mission.
 1945 - The FCC assigned television channels to several  licensees, including CBS and NBC in New York City and Radio Corp. of America in  Camden, New Jersey.
 1946 - Louis Jordan's single, "Let the Good Times  Roll," debuted on the Rhythm and Blues charts.
 (Lower half of: http://memory.loc.gov/ammem/today/dec21.html )
 1946 - Guitarist Carl Wilson of the Beach Boys was born  in Hawthorne, California. The three Wilson brothers - the others were Dennis  and Brian - formed a group called Carl and the Passions with Mike Love and Al  Jardine in 1961. The band's name was changed to the Beach Boys to take  advantage of the surfing craze in southern California. Among their surfing hits  for the Capitol label - "Surfin USA," "Surfer Girl" and "I  Get Around." The Beach Boys turned in a more experimental direction in  1966, recording "Good Vibrations," a number-one song that took six  months to produce and was at the time the most expensive single ever made. The  Beach Boys continue to perform, primarily as a nostalgia act.
 1947 - Metronome All-Stars record “Metronome Riff.”
 1950 - Top Hits
 “Rudolph, the Red-Nosed Reindeer” - Gene Autry
 “White Christmas” - Bing Crosby
 “Nevertheless” - Jack Denny
 “If You've Got the Money Honey I've Got the Time” - Lefty Frizzell
 1954 - Chris Evert, tennis champion, had 125  consecutive clay-court victories and has been called the world's best  clay-court woman player of all time. She was ranked the world's best player  1974 to 1978 and in 1980 and 81. She was the U.S. singles champion 1975-78, 80,  82; Wimbledon champion 1974, 76, and 81, and won at least one Grand Slam  singles title for 13 consecutive years. Between 1973 and 1979 Evert won a  record 125 consecutive clay-court matches, and won the French Open on clay a  record seven times.
 1958 - Top Hits
 “The Chipmunk Song” - The Chipmunks
 “Problems” - The Everly Brothers
 “One Night” - Elvis Presley
 “City Lights” - Ray Price
 1960 - Elvis Presley was inducted into the Los Angeles  Indian Tribal Council on the day his movie “Flaming Star” opened.
 1961 - One of Rock and Roll's strangest oddities  happened when "I Heard It through the Grapevine" by Marvin Gaye hit  number one on the Cash Box music chart. The same song was also a number one hit  for Gladys Knight and The Pips exactly one year earlier. The tune would also  turn up on the chart by Creedence Clearwater Revival in 1976.
 1964 - A great warm surge from the Pacific Ocean across  Oregon and northern California brought torrential rains on a deep snow cover  resulting in record floods.
 1965 - An overflow crowd of 76,251 jams the Cotton  Bowl, giving Dallas its first home sellout. The Browns beat the Cowboys 24-17.
 http://images.nfl.com/history/images/1121.jpg
 1966 - The Beach Boys receive three gold-record  citations for the single "Good Vibrations," which hit Number One  eleven days ago and the albums "Little Deuce Coupe" and "Shut  Down, Vol. 2."
 1966 - Top Hits
 “Snoopy Vs. The Red Baron” - The Royal Guardsmen
 “Winchester Cathedral” - The New Vaudeville Band
 “That's Life” - Frank Sinatra
 “Somebody Like Me” - Eddy Arnold
 1967 - SMEDLEY, LARRY E., Medal of Honor
 Rank and organization: Corporal, U.S. Marine Corps, Company D, 1st Battalion,  7th Marines, 1st Marine Division. Place and date: Quang Nam Province, Republic  of Vietnam, 21 December 1967. Entered service at: Orlando, Fla. Born: 4 March  1949, Front Royal, Va. Citation: For conspicuous gallantry and intrepidity at  the risk of his life above and beyond the call of duty while serving as a squad  leader with company D, in connection with operations against the enemy. On the  evenings of 20-21 December 1967, Cpl. Smedley led his 6-man squad to an ambush  site at the mouth of Happy Valley, near Phouc Ninh (2) in Quang Nam Province.  Later that night an estimated 100 Viet Cong and North Vietnamese Army regulars,  carrying 122mm rocket launchers and mortars, were observed moving toward Hill  41. Realizing this was a significant enemy move to launch an attack on the vital  Danang complex, Cpl. Smedley immediately took sound and courageous action to  stop the enemy threat. After he radioed for a reaction force, he skillfully  maneuvered his men to a more advantageous position and led an attack on the  numerically superior enemy force. A heavy volume of fire from an enemy  machinegun positioned on the left flank of the squad inflicted several  casualties on Cpl. Smedley's unit. Simultaneously, an enemy rifle grenade  exploded nearby, wounding him in the right foot and knocking him to the ground.  Cpl. Smedley disregarded this serious injury and valiantly struggled to his  feet, shouting words of encouragement to his men. He fearlessly led a charge  against the enemy machinegun emplacement, firing his rifle and throwing  grenades, until he was again struck by enemy fire and knocked to the ground.  Gravely wounded and weak from loss of blood, he rose and commenced a l-man  assault against the enemy position. Although his aggressive and singlehanded  attack resulted in the destruction of the machinegun, he was struck in the  chest by enemy fire and fell mortally wounded. Cpl. Smedley's inspiring and  courageous actions, bold initiative, and selfless devotion to duty in the face  of certain death were in keeping with the highest traditions of the Marine  Corps and the U.S. Naval Service. He gallantly gave his life for his country.
 1968 - The first Astronauts to orbit the moon were  Colonel Frank Borman, Captain James Arthur Lovell, Jr., and Major William  Alison Anders, who made 10 lunar orbits in Apollo 8, launched by a three-stage  Saturn 5 rocked from Cape Canaveral, FL, at 7:51am. The spacecraft reentered  the atmosphere and splashed down in the Pacific Ocean 147 hours 11 seconds  later.
 1968 -  David  Crosby, Stephen Stills and Graham Nash performed together for the first time at  a concert in California. Nash had announced his departure from the Hollies  earlier in the month, while Crosby had played with the Byrds and Stills with  Buffalo Springfield. Another former member of Buffalo Springfield, Neil Young,  joined Crosby, Stills and Nash in 1969.
 1968 - Janis Joplin made her first appearance after  leaving Big Brother and the Holding Company. Joplin performed in Memphis at the  "Yuletide Thing" event sponsored by the Stax-Volt record labels. Also  on the bill were such leading Stax acts as the Bar-Kays, Booker T. and the  M-G's and Rufus and Carla Thomas.
 1969 - Diana Ross and the Supremes make their final  television appearance on The Ed Sullivan Show, singing "Someday We'll Be  Together", which would be the last of their 12 number one singles.
 1970 - Elvis Presley met US President Richard Nixon in  the Oval Office at the White House. They posed for a photo that Nixon aides  hoped would boost the president's image with America's youth. All the singer  wanted was a Drug Enforcement Agency badge for his collection. Presley,  according to most accounts high on pills at the time, lectured Nixon on the  evils of drugs, the Beatles, hippies and communists. Nixon had Presley shown  the door as soon as he'd presented him with the badge and made him an honorary  federal agent.
 1974 - Top Hits
 “Cat's in the Cradle” - Harry Chapin
 “Angie Baby” - Helen Reddy
 “You're the First, the Last, My Everything” - Barry White
 “I Can Help” - Billy Swan
 1974 - Harry Chapin enjoys his only number one single  with "Cat's In The Cradle". The song's theme about a distant father  and son relationship was suggested to Harry by his wife, after he expressed  disappointment about being on tour instead of attending his son's birth.
 1979 - The Eagles, Chicago and Linda Ronstadt perform  at a benefit show for the presidential campaign for California governor Jerry  Brown, who also happens to be Ronstadt's boyfriend. The show at the San Diego  Sports Arena is followed-up by a similar show at the Addin Theater in Las  Vegas. The two shows bring in over $450,000.
 1979 - Willie Nelson's movie debut, "The Electric  Horseman," which also starred Robert Redford and Jane Fonda, opened in  North American theatres.
 1979 - Frank Zappa's "Baby Snakes" premiered  on Zappa's 39th birthday. The film combined concert footage, backstage antics  and animated clay figures.
 1982 - Top Hits
 “Maneater” - Daryl Hall & John Oates
 “The Girl is Mine” - Michael Jackson/Paul McCartney
 “Steppin' Out” - Joe Jackson
 “Somewhere Between Right and Wrong” - Earl Thomas Conley
 1985 - Bruce Springsteen's album, "Born in the  USA", surpassed Michael Jackson's "Thriller", making it the  second longest-lasting LP in the top 10. Springsteen’s album lasted at its peak  for 79 weeks, and was second to "The Sound of Music" with Julie  Andrews that lasted: 109 weeks.
 1985 - Bruce Springsteen's album, "Born in the  USA", passed Michael Jackson's "Thriller" to become the second  longest-lasting LP in the top 10. It stayed there for 79 weeks. Only "The  Sound of Music" with Julie Andrews lasted longer: 109 weeks.
 1986 - Atlanta center Jeff Van Note, who at 40 was the  oldest pro football player, played his 246th and last NFL game as Atlanta beat  Detroit, 20-6.
 1988 - Pan Am World Airways Flight 103 was the victim  of a terrorist attack when the jet exploded over Lockerbie, Scotland. The 258  passengers, crew, and several people on the ground at the site of the crash  were all killed.
 1988 - Seven cities in the eastern U.S. reported record  high temperatures for the date, including Charleston SC with a reading of 78  degrees. A storm in the northwestern U.S. produced 22 inches of snow at Idaho  City ID in two days, and up to two feet of snow at Happy Camp CA. Ski resorts  in Idaho reported three to six feet of snow on the ground.
 1989 - Forty cities in the north central U.S.,  including thirteen in Iowa, reported record low temperatures for the date.  Havre and Jordan, MT, tied for honors as the cold spot in the nation with  morning lows of 43 degrees below zero, and the temperature remained close to 40  degrees below zero through the daylight hours. Dickinson ND reported a morning  low of 33 degrees below zero and a wind chill reading of 86 degrees below zero.  The high for the date of 16 degrees below zero at Sioux Falls SD was December record  for that location.
 1990 - Top Hits
 “Because I Love You” (“The Postman Song”) - Stevie B
 “Justify My Love” - Madonna
 “Impulsive” - Wilson Phillips
 “I've Come to Expect It from You” - George Strait
 1997 - Barry Sanders of the Detroit Lions became the  third player in NFL history to rush for more than 2,000 yards in a season when  he gained 184 yards against the New York Jets. the Lions won, 13-10. He reached  the 2,000 yard mark with a 2-yard run with just over two minutes left in the  game. On the next play, he broke free for 53 yards, a gain that allowed the  Lions to run out the clock and clinch a playoff berth. The other members of the  2,0000 yard club are O.J. Simpson, who rushed for 2,003 yards in 1973, and Eric  Dickerson, who ran for 2,105 yards in 1984 ( this book is not up to date and  there are surely some more members of this elite group today ).
 2006 - The Beatles' "Love" sat at #1 on the  European Top 100 Albums chart. The album was produced by George Martin and his  son Giles Martin and features music compiled and remixed for the Cirque du  Soleil show of the same name. The disc would quickly be certified Platinum and  won Grammys in two categories - Best Compilation Soundtrack Album and Best  Surround Sound Album at the 50th annual Grammy awards on February 10th, 2008.
 2009 - A snow storm embattled the East Coast, closing  airports, raising havoc in many states, affecting Christmas shopping and  closing many businesses.
 -------------------------------------------------------------
 SuDoku
  The object is to insert the numbers in the boxes to satisfy only one condition: each row, column and 3x3 box must contain the digits 1 through 9 exactly once. What could be simpler? http://leasingnews.org/Soduku/soduko-main.htm [headlines]     --------------------------------------------------------------
 Daily Puzzle
  How to play:http://www.setgame.com/set/puzzle_frame.htm
 Refresh for current date:http://www.setgame.com/set/puzzle_frame.htm
 [headlines] --------------------------------------------------------------
 
 http://www.gasbuddy.com/http://www.gasbuddy.com/GB_Map_Gas_Prices.aspx
 http://www.gasbuddy.com/GB_Mobile_Instructions.aspx
 [headlines] --------------------------------------------------------------
 Weather
   See USA map, click to specific area, no commercials http://www.weather.gov/ [headlines] --------------------------------------------------------------
 Traffic Live---  Real Time Traffic Information You can save up to 20 different routes and check them out with one click,or type in a new route to learn the traffic live
 -------------------------------- [headlines] |