Kit Menkin's Salvation Army Kettle
Donations Very Much Appreciated

Captain Howard Bennett, Chairman, Santa Clara County
Superior Court Judge Mary Jo Levinger, Kit Menkin, Past Chairman Ken Kelly. 

I am holding the Emeritus Award. This was the first such award in the San Jose four county districts ever given. A perpetual award in his name is to be awarded for volunteer work contributed. This was given for forty years of service serving as chairman, president, welfare secretary, and a list of accomplishments was read.

2019 List of Donors

Larry Armstrong
Brian Carey
Edward Castagna
Shawn Halladay
Rick Jones
Teresa Kabot
Edward Kay
Jule Kreyling
Bruce Kropschot
Mitch Larkin
Bruce Lurie
Klaus Pache
Dan Pulcrano'
Reid Raykovich
Dean Rubin
Jeffrey Rudin

Please click on the Kettle

Any questions, please contact: kitmenkin@leasingnews.org

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November, 2019 - The List

"The Good, the Bad and the Ugly"

Allegiant Partners, Bend, Oregon (11/19) Acquired by Tokyo Century, Chris Enbom, Founder/CEO, Says he is “Very Excited”
http://leasingnews.org/archives/Nov2019/11_27.htm#ap

Marlin Capital Solutions, Mt. Laurel, New Jersey (11/27) Open This Friday! http://leasingnews.org/archives/Nov2019/11_27.htm#marlin  (11/25) Marlin Capital Board of Directors and Leaders Officially Re-open Marlin Headquarters  http://leasingnews.org/archives/Nov2019/11_25.htm#marlin  (11/04) Earnings Call Transcript Key Highlights 3rd Quarter plus 10Q Evergreen Excerpt http://leasingnews.org/archives/Nov2019/11_04.htm#marlin

Tab Bank, Ogden, Utah (11/27) Completes $46 Million Acquisition
of BAMFi’s BAM Capital Division  http://leasingnews.org/archives/Nov2019/11_27.htm#tab

Equipment Leasing and Finance Association, Washington, DC (11/25) Reports Volume Up 1% Since September Year-to-Date Up 14% from 2018  http://leasingnews.org/archives/Nov2019/11_25.htm#elfa  (11/01)  Elects New Board of Directors, Including Two Females as Chair and Chair-Elect http://leasingnews.org/archives/Nov2019/archives_nov2019.htm

GreatAmerica Financial Services, Cedar Rapids, Iowa (11/25) Wins 2019 Cannata Frank Award for Best Leasing Company  http://leasingnews.org/archives/Nov2019/11_25.htm#great

Freedom Truck Finance, Dallas, Texas (11/22) “Temporary Halt All Operations” http://leasingnews.org/archives/Nov2019/11_22.htm#freedom

CIT Group, New York, New York (11/19) Receives OCC Approval to Acquire Mutual of Omaha Bank http://leasingnews.org/archives/Nov2019/11_20.htm#cit

California (11/20) California Consumer Privacy Act (CCPA)  Applies to Businesses Starting January 1, 2020
http://leasingnews.org/archives/Nov2019/11_20.htm#ccpa

California (11/18) Getting Ready for 2020 California Rate Disclosures Computing Interest Rates Programs
http://leasingnews.org/archives/Nov2019/11_18.htm#getting

California (11/14 ) California Department of Business Oversight Proposes Moving All California Financing Law Licensees
onto NMLS Licensing Platform http://leasingnews.org/archives/Nov2019/11_14.htm#dbo

California (11/14) DBO Forms Cannabis Banking Task Force   First Meeting November 20, DBO's Sacramento Office
http://leasingnews.org/archives/Nov2019/11_14.htm#dbo2

Chesswood Group Limited, Toronto, Canada (11/14) Announces Results  for the Third Quarter 2019
http://leasingnews.org/archives/Nov2019/11_14.htm#chesswood

Amur Equipment Finance, Grand Rapids, Nebraska (11/12) “Under all the positive news, why is Amur Equipment Finance quiet about a relationship with PIMCO?" Question by Christopher Menkin, Editor http://leasingnews.org/archives/Nov2019/11_12.htm#under
 (11/06) Further Confirmation PIMCO Purchased Amur But Company Continues to Deny http://leasingnews.org/archives/Nov2019/11_06.htm#further  (11/04) Opens Office in Omaha, Second in the State http://leasingnews.org/archives/Nov2019/11_04.htm#amur

Madison Capital, Owens Mills, Maryland (11/12) Allan Levine, Co-Founder, Madison Capital: Recipe for my success and proud of it! http://leasingnews.org/archives/Nov2019/11_12.htm#allan

Certified Leasing and Finance Foundation (11/06) CLFP Foundation Adds 53 New CLFPs, 824 Active Professionals and Associates  http://leasingnews.org/archives/Nov2019/11_06.htm#clfp

City National Bank, Newark, New Jersey (11/04) Fourth FDIC Insured Bank to Fail this Year
http://leasingnews.org/archives/Nov2019/11_04.htm#fourth

The National Private Lenders Association (11/04) New Hard Lending Association Forming http://leasingnews.org/archives/Nov2019/11_04.htm#npla

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CLFP Foundation Adds 35 New CLFPs
Plus First CLFP in India, Bringing Year-End Total 860

The Certified Lease & Finance Professional (CLFP) Foundation is pleased to announce that 35 individuals, who recently sat through the 8-hour online CLFP exam, have passed. Included in this group is the first CLFP residing in India, Mr. Shrirang Tambe.

The latest members are:

Hyun Kyung (Chris) Ahn, CLFP Senior Sales Tax Analysis DLL Blake Bachelor, CLFP Associate Financial Analyst Team Financial Group, Inc. Shannah Berger, CLFP Sales Manager FirstLease, Inc. Jeffrey Bitzer, CLFP Vice President Training & Customer Service Integrated Financial Solutions Katrina Bryson, CLFP Senior Debt Collector DLL Andrew Clark, CLFP Director Laurentide Anthony Corbett, CLFP Financial Specialist DLL Martin Cowie, CLFP Director Application Design Ambit Asset Finance FIS Thomas (Paul) Crnkovic, CLFP Client Relations: Special Assets Manager Ascentium Capital LLC Patricia Cruz, CLFP Accounting Manager Ascentium Capital LLC Doug DiFilippo, CLFP Litigation & Bankruptcy Specialist DLL Michele Lee Doherty, CLFP Manager, Managed Print Canon Financial Services, Inc.

Matthew Enzwiler, CLFP Leasing Specialist II Commerce Bank Andrew Fishburn, CLFP Vice President Federal Government Relations Equipment Leasing and Financial Association Erin Foster, CLFP Manager, Vendor Funding Ascentium Capital LLC Edward Gerek, Jr., CLFP Associate Funding Manager Bryn Mawr Equipment Finance, Inc. dba Bryn Mawr Funding Sharon Goetz, CLFP Office Manager KLC Financial, Inc. John Iacobacci, CLFP Senior Syndications Associate DLL Jeremy Johnson, CLFP Collections Manager Large Ticket, DLL Lawrence Kellmayer, CLFP Director of Loan Operations SANY Capital USA, Inc. Ramesh Muniappan, CLFP Project Lead/Manager Business Architecture Odessa Katie O’Mara, CLFP Credit Manager FirstLease, Inc. Michael Prestoy, CLFP Associate Senior Business Analyst Odessa

Rebecca Ricci, CLFP Vice President Syndications DLL Raymond Ridge III, CLFP Litigation & Bankruptcy Specialist DLL Ricardo Rios, CLFP Chief Operating Officer Commercial Equipment Finance, Inc. Brenton Russell, CLFP Senior Underwriting & Funding Manager Bryn Mawr Equipment Finance, Inc. dba Bryn Mawr Funding Cati Scheifele, CLFP Country Sales Manager DLL Shrirang Tambe, CLFP Founder & CEO Origa Lease Finance Pvt Ltd India Joan Twigg, CLFP Vice President Operations Univest Capital, Inc. Matthew Vazzana, CLFP National Account Executive Huntington Technology Finance Gordon Walker, CLFP Marketing Manager, Americas DLL Roberta Warner, CLFP Vice President Delivery, Odessa Gina Weismann, CLFP Vice President Senior Manager TD Equipment Finance, Inc. Ann Wendling, CLFP Business Architect Odessa

Mr. Fishburn, VP, Federal Government Relations for the Equipment Leasing and Finance Association (ELFA), explained, “Advocating on behalf of the equipment leasing and finance industry is really rewarding.  I decided to pursue the CLFP designation to make myself a better advocate on behalf of the industry.”

Mr. Shrirang Tambe, Founder & CEO of Origa Lease Finance Pvt. Ltd., India added, “The CLFP designation will help me excel in the leasing profession. The knowledge, the network and the value it carries, will help me grow leasing in India. I look forward to connecting India with the global leasing community by becoming a CLFP.”

The CLFP designation identifies an individual as a knowledgeable professional to employers, clients, customers, and peers in the equipment finance industry. There are currently 860 active Certified Lease & Finance Professionals and Associates in the United States, Canada, India and Australia. For more information, visit http://www.CLFPFoundation.org.

Classes for Lease & Finance Professionals
Attendance Update: Classes Scheduled plus Mentor Program
http://leasingnews.org/archives/Dec2019/12_16.htm#classes

 

 

 

Help Wanted

 

 

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Letters?  We get email!
Chronological Order

Are There too Many Conferences?
By Christopher Menkin
http://leasingnews.org/archives/Oct2019/10_30.htm#are

“My goodness you really were at the grassroots of equipment Leasing.  Yes, I would hope that we could merge a few associations to become stronger.  I try to get to one a year, two if it’s close by.   2020, I have not calendared any equipment finance conferences.  I like to go for the education and of course see our partners.”

Name Withheld

***

2.5 Million Without Power in California, We are Two of Them
200,000 Evacuated from Sonoma County, Bay Area, included
http://leasingnews.org/archives/Oct2019/10_30.htm#power

“Hi Kit. We’ve been at the house in Napa for a few days and without power for about three. It’s pretty tolerable except it gets really dark at night. I think we’ve acquired enough battery-operated lighting things to open our own hardware store next week… Assuming we get power back. Hope all is well. Bob.”

Robert VanHellemont <rvanhellemont@vfi.net>

***

Leasing News Mission
Our main goals:
http://leasingnews.org/archives/Nov2019/11_08.htm#lnm

 

“I really like seeing the Leasing News Mission as part of the edition. Excellent!”
  Ed Castagna 

***

North Mill Equip. Finance Webinar Today at 2:00 pm EST
  Also Monday, November 4, 2:00pm EST
http://leasingnews.org/archives/Nov2019/11_01.htm#north

“I’m pleasantly surprised myself – we have a total of 140 people.  It’s the same presentation on two different dates – there are 95 registered for tomorrow and 45 for Monday.

“Again, thanks for your help.  We wouldn’t think of building a comprehensive marketing campaign without thinking of Leasing News.”

Don Cosenza, North Mill Equipment Finance

***

Criticism of Doing Business in California
    After Senator Steve Glazer's Passage of SB 1235
http://leasingnews.org/archives/Dec2019/12_03.htm#criticism

“I thought that I would get my CA lenders license. However, once I did the cost benefit analysis, I realized it didn’t make any sense. We weren’t doing enough business in California to make it worth the cost of doing business there and complying with the reporting requirements.

“It’s just not worth it. I’m trying to keep my life simple. & profitable!”

(Name Withheld)

Assure the quality of your communication content…grammar, spelling, syntax, punctuation…hire an expert. Whether website content, business or technical writings, take advantage of over forty years executive writing, proofreading and editing in the EFL industry…with the reader’s time and comprehension in focus. Ralph P. Mango ralphmango@hotmail.com Associate Editor Leasing News, responsible for proofreading and editing each news edition, as well as contributing content.

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Has California Made Directors Employees?
By Keith Pau Bishop

On September 18, 2019, California Governor Gavin Newsom signed AB 5 into law effective January 1, 2020. This legislation is intended to make it more likely that a worker will be classified as an employee. It effects this change by codifying the California Supreme Court's endorsement of the so-called A-B-C test adopted in Dynamex Operations West, Inc. v. Superior Court, 4 Cal.5th 903 (2018).  The Supreme Court's decision was limited to the context of California wage orders. These impose obligations relating to the minimum wages, maximum hours, and a limited number of very basic working conditions (such as minimally required meal and rest breaks) of California employees.  Because AB 5 extends the application of the A-B-C test beyond the wage order context, it is expected to have an enormous impact on California businesses. 

What about directors?

Labor Code Section 3351 is part of California's Workers Compensation Law.  It defines "employee" by providing a long list of persons who are employees.  Paragraph (c) adds to the list directors and officers of quasi-public and private corporations while rendering actual service for the corporations for pay," subject to specified exceptions.  See “Is A Corporate Director An Employee Subject To Workers' Compensation?” AB 5 does not amend paragraph (c) but adds a new paragraph (i) to Section 3351 to include beginning July 1, 2020 "any individual who is an employee pursuant to [Labor Code] Section 2750.3."  The change is not retroactive.

AB 5 codifies and extends the A-B-C test in new Section 2750.3. Under the A-B-C test, a person who provides labor or services for remuneration will be considered an "employee" rather than an independent contractor unless the hiring entity demonstrates that all of the following conditions are satisfied:

(A) The person is free from the control and direction of the hiring entity in connection with the performance of the work, both under the contract for the performance of the work and in fact.

(B) The person performs work that is outside the usual course of the hiring entity’s business.

(C) The person is customarily engaged in an independently established trade, occupation, or business of the same nature as that involved in the work performed.

In many cases, directors will receive fees from the corporation for their services.  Corporations most likely will be able to satisfy A because the directors control the corporation and not vice versa.  Establishing B & C may, however, prove to be challenging for some corporations as many directors are retired and/or involved in other trades, occupations or businesses of a different nature.

Note to readers: AB 5 is complex with numerous exceptions. The foregoing should not be relied upon as a complete summary of the legislation and its many intricacies.

Keith Pau Bishop

 

 

2019 Syndication/Broker Survey
Survey Closes on December 20th


Scott Wheeler
Wheeler Business Consulting

Access to Capital for Brokers and
Syndication Desks in 2020

Participate in  the Study by
Clicking Here
https://www.surveymonkey.com/r/KL9B6FD

The capital markets are constantly changing  and 2020 will be no exception. There are several questions that many are asking:

• Will credit tighten?
• Will portfolios continue to perform at historically strong levels?
• Will volume, quality, or both dominate the landscape?
• Will there be an economic correction?
• Will margin pressure continue?
• Who will dominate in providing funding?

Wheeler Business Consulting is committed to the commercial equipment leasing and finance industry. We provide a free "Sales Tip" to thousands of finance and leasing professionals on a weekly basis. Today we are asking for the assistance  of industry professionals who syndicate/broker transactions to participate in the following survey.

Wheeler Business Consulting is facilitating a survey regarding: 

The current market for syndication and brokering of transactions in the commercial equipment leasing and finance industry. 

The results will be made available through our monthly newsletter and website. Your participation is greatly appreciated and is needed to increase the value of the data.   

The survey is designed to take 3 to 5 minutes to complete. 

If you have any questions contact Scott Wheeler @ 410-877-0428

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Census Pay
Temporary Job

In Santa Clara County, California (Silicon Valley), 2020 Census jobs between $27 and $30 an hour, according to an interactive map from the Census Bureau. Census-takers are eligible for reimbursement for work-related mileage and other expenses.

Mileage reimbursed at 58 cents per. There are Sunday and night differentials as well but no overtime permitted without supervisor approval in advance.

The pay for Census takers varies over the United States. For instance, Detroit $19 to $21 an hour.  Michigan $14.30 to $20.54 an hour. Various positons also have pay differences such as Census Field Manger, Regional Technician. Veterans also received a preference.

According to the bureau's 2020 Census page, the general qualifications for a census position include:

• Be at least 18 years old.
• Have a valid Social Security number.
• Be a U.S. citizen.
• Have a valid email address.
• Complete an application and answer assessment questions. (Some assessment questions are available in Spanish. However, an English proficiency test may also be required.)
• Be registered with the Selective Service System or have a qualifying exemption, if you are a male born after Dec. 31, 1959.
• Pass a Census-performed criminal background check and a review of criminal records, including fingerprinting.
• Commit to completing training.
• Be available to work flexible hours, which can include days, evenings, and/or weekends.

The application process will take about 30 minutes, and you will need your Social Security number, phone number, email address, home address and date of birth to fill it out successfully.

Registration and More Information:

https://recruitment.2020census.gov/ats/careersite/census.aspx?site=1&c=census

The permanent Census staff, headquartered in suburban Washington, DC, are full-time employees and not the subject of this article.  The Census workers mentioned herein are all temporary, may be terminated at any time depending on the amount of available work, and all temporary workers will be terminated at the end of the Census, on December 31, 2020.

 

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The U.S. Government Accountability Office recently released a report detailing immigrant arrests and removals in the United States over the past four fiscal years. Priority for apprehensions falls under three levels. The highest focuses on threats to national security, border security and public safety while the others take into account misdemeanants, new immigration violators and other offences. In 2018, there were 112,870 enforcement and removal operation (ERO) arrests and that increased to 151,889 in 2017 before falling slightly to 151,497 in 2018. U.S. Immigration and Customs Enforcement (ICE) removed people from nearly 200 countries every year between 2015 and 2018.

The report found that detentions of Mexican citizens were highest at 136,406 in 2018 while 139,330 removals were carried out. Guatemala has 120,745 detentions and 52,755 removals while for third-placed Honduras, detentions and removals stood at 78,630 and 32,180 respectively. India is an interesting country on the top-ten list and it has had increasing numbers of its citizens removed from the U.S. in recent years. In 2015, 296 Indian nationals were removed and that grew to 831 in 2018.

The GAO found that males and convicted criminals accounted for the majority of ICE arrests and removals between 2015 and 2018.

By Niall McCarthy, Statista
https://www.statista.com/chart/20316/ice-removals-by-country-of-citizenship/

 

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

Preliminary U.S. Trailer Net Orders Down 39% M/M
and 56% Y/Y, 52% Lower YTD

COLUMBUS, IN – ACT’s preliminary estimate for November indicates that trailer manufacturers booked 19.5k net Trailer Prelim Graph 12-16-19orders to their orderboards last month, a 39% decline from October’s volume. Activity was 56% below November of 2018, while year-to-date net orders are just under half that of last year.

Before accounting for cancellations, new orders of 21.1k trailers were off 43% month-over-month and 54% below last year. Final volume will be available later this week. This preliminary market estimate should be within +/- 3% of the final order tally.

Frank Maly, Director–CV Transportation Analysis and Research at ACT Research, noted, “The sequential decline in November broke a four-month streak of monthly gains. That ran counter to the industry’s normal order patterns, which point to November typically ranking as the best order month of the year.

“The cautious stance toward 2020 cap-ex spending is evident in both the level and pattern of fleet trailer orders as we approach year-end.”

Additionally, Maly said, “One positive take-away from the November stats is a significant easing in cancellations compared to previous months. That’s an indication that, while lower, the commitments on the orderboard appear to be firming as we close the year.”

He added, “Discussions with trailer OEMs also indicate that, although they are encountering pricing pressure, quote activity remains solid, so any change in fleet confidence could quickly result in an order rebound.”

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

 

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

ELFF Slide Show Q1 2020 Industry Snapshot
Summary with Slide Show

The Equipment Leasing & Finance Foundation has released the Q1 2020 Equipment Leasing & Finance Industry Snapshot, an indispensable resource for industry participants to incorporate into executive briefings and presentations. The presentation slide deck summarizes the current conditions and projections for the U.S. economy and equipment finance industry with clear, easy-to-digest charts and short narratives of key trends.
 
Among the range of details in the new release:
 
• The U.S. economy grew at a moderate 2.1% annualized growth in Q3, driven primarily by a healthy consumer spending annualized growth rate of 2.9%.

• Business investment contracted in Q3, dropping two consecutive quarters for the first time since Q1 2016.

• In addition to declining business investment, other economic headwinds include a continued slowdown in global manufacturing and further deterioration in the global economy.

• A robust labor market and solid consumer base are top economic tailwinds.

• Additional economic factors to watch are unresolved tensions with China, political uncertainty and a sustained homebuilding rebound.

• New business volume growth reported in ELFA’s Monthly Leasing and Finance Index is still on track to beat 2018 levels. In October, new business volume grew at a 13% pace year over year, the fifth month in 2019 it had double-digit YOY growth.

 
Prepared by Keybridge Research and updated quarterly, the snapshot is available for free download at https://www.leasefoundation.org/industry-resources/industry-snapshot/

Author
Anneliese DeDiemar
Email adediemar@leasefoundation.org

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

Labrador Retriever
Menlo Park, California  Adopt a Dog

Harry
Male
2-4 Years old
56 pounds
Neutered

FOSTER NEEDED – Harry needs a foster home while is looking for his forever adoptive home. Contact Katy (info below) if you are interested in fostering or adopting Harry.

Harry (also known as Shadow) was returned to GGLRR as his adopters decided they need a more laid back Lab for their busy lifestyle.

Background: Found in a pad-locked vacant chain-link fenced lot in Oakland… with no food or water, local authorities sprung this guy from his predicament and took him to the local shelter where no one claimed him. Initially very apprehensive and anxious at the shelter, he quickly warmed up to people.

What Harry’s original Foster says: Within two days, Harry totally settled into his new surroundings. He is one quick learner! In the house, he has learned to stay off the furniture, stay out of the kitchen when we're cooking, to sit and wait for his food, to keep out of certain rooms, and knows exactly where to find the dog toys. Fully housetrained, not a single mess inside. After a couple nights of 5 minutes of whining, he now sleeps great without a single complaint in his crate. Every morning, he greets us with loving kisses, then runs to the front door to go outside and do his business. This lovable guy hasn't chewed or damaged anything that wasn't a dog toy to play with, he is great at retrieving, he has learned to drop or release toys without stress; the guy loves belly rubs and to be close to people, and is great with our own 3-yr-old lab competing for the ball or playing tug-of-war with ropes. When walking, he has typical lab excess curiosity, but he's rapidly improving and walks great with only a little pulling, though would always stop to smell and leave a wet message if given the opportunity. When meeting other dogs (big and small) that are not on leash, he politely says hello, and then we easily continue on our way. He knows to sit, stay, release toys, and is doing great with recall. During our walks, he's been around mountain bikes, large groups of passers-by, joggers, and passing cars/trucks without getting disturbed at all. For a ~4 year old, this guy has a boatload of energy, and thrives on working/training for a treat or positive attention. A great companion for someone who loves the outdoors and playing with their dog.

What Harry’s Rescue Rep says: We think Harry is a Lab mixed with a herding breed (perhaps border collie, McNab or Australian cattle dog). Assertive and full of energy, he will need lots of exercise, mental stimulation, and leadership. Great candidate for obedience training. He is not a dog park dog (he will go after other young male dogs), but he has done well playing with and living in a home with a social female dog. We would love to see Harry in a home that has experience with young energetic male Labs and/or herding breeds. Harry needs an experienced owner that will provide strong leadership so Harry doesn’t feel like he needs to take charge. Harry is a young dog that will test limits but who also responds very well to a human who provides leadership, guidance, and structure.

Harry does great with people he knows but can be wary with strangers. We think Harry would do best in a quieter home that doesn’t have a lot of visitors coming and going. Not a good dog for a home with young children running around and/or sudden movements that can trigger herding instincts. Harry has been doing well working with our trainer and he will be an awesome dog for an active, calm assertive person who is willing to continue his training and/or manage interactions when guests come to visit. Harry is very smart and can be a truly terrific and fun dog who will be a loyal companion and deeply bond with the right owner who can provide the leadership, exercise, and mental stimulation he needs.

What our trainer says: Harry’s ideal home is with a dog savvy person that likes strong temperament energetic type pets, who would appreciate his barking at strangers who approach the home, and who is willing to put in the training or set up management for when they have guests. Harry would be happy having a yard to patrol and come in and spend time with his person when they are home. I think he would enjoy that more than trying to turn him into a city pet having to defend himself from strangers forcing their attention on him. He is not your typical outgoing Labrador who immediately loves everyone.

Medical Information: Harry is in great health and is current on Rabies and distemper vaccination, heartworm negative and microchipped. Harry has had a wellness check and was neutered by our vet. The shelter initially estimated his age as 4 or 5, we think he is younger based on his energy, demeanor, and pearly white teeth.

Harry is located in: Menlo Park
If you are interested in Harry, contact Rescue Rep Katy at 650-796-3596 (call/text) or katy4gglrr@gmail.com

Golden Gate Labrador Retriever Rescue (GGLRR)
268 Bush Street #4322, San Francisco, CA 94104
labrescuesfbayarea@gmail.com
http://www.labrescue.org/
Contacts: http://www.labrescue.org/contact.html

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

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Alternate Finance Association Membership
United States

http://leasingnews.org/archives/Jul2017/07_17.htm#alternate

News Briefs----

Navistar to cut 1,300 jobs as orders dry up
   at Lisle-based truck-maker
https://www.chicagotribune.com/business/ct-biz-wp-navistar-layoffs-20191217-ca4b4vfmtvcz3ihyzfrwccala4-story.html

The Forbes Investigation: Inside the Secret Bank
    Behind the Fintech Boom
https://www.forbes.com/sites/antoinegara/2019/12/17/the-forbes-investigation-inside-the-secret-bank-behind-the-fintech-boom/#18ad0bb23c10

Could Boeing’s 737 Max Production Halt
   Come Back to Haunt the Company?
https://247wallst.com/aerospace-defense/2019/12/17/could-boeings-737-max-production-halt-come-back-to-haunt-the-company/

Apple sees iPhone sales continue to slide in China
   Huawei captured 42 percent of its local market
https://nypost.com/2019/12/17/apple-sees-iphone-sales-continue-to-slide-in-china-report/

Silicon Valley IT administrator, friends charged
  in insider trading scheme with Palo Alto Networks Stock
https://www.mercurynews.com/2019/12/17/silicon-valley-it-administrator-friends-charged-in-insider-trading-scheme/

China Responds Slowly, and a Pig Disease
  Becomes a Lethal Epidemic
https://www.nytimes.com/2019/12/17/business/china-pigs-african-swine-fever.html

Trump’s Trade Deals Raise, Rather Than Remove,
  Economic Barriers
https://www.nytimes.com/2019/12/17/business/trump-trade-deals-free-markets.html

Unable to Retrieve Money, Cryptocurrency
  Investors Want Dead Executive Exhumed
https://www.nytimes.com/2019/12/17/business/gerald-cotten-death-cryptocurrency.html

 
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You May Have Missed---

Dog in shelter for 500 days finally finds a home
https://nypost.com/video/dog-in-shelter-for-500-days-finally-finds-a-home/

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(Dedicated to the Philadelphia Eagles

Time keeps on slippin'
Into the future...

Sayin'
Time keeps on slippin', slippin', slippin'
Into the future.........oohhh

Said I wanna fly like an eagle... to the sea
Fly like an eagle let my spirit carry me, I wanna...
fly.............
Fly right into the future....
I wanna feed the babies... said, who can't get enough to eat
Wanna shoe the children... no shoes on their feet
I wanna house the people... livin' in the street
Oh yeah there's a solution
...gimme the reasons baby

Let me fly like and eagle... to the sea
Fly like an eagle let that spirit carry me, I wanna
fly....... ... oh yeah
Fly right into the future

Time keeps on slippin', slippin', slippin'
Into the future...
Time flies don't it baby?
... oohh
Time keeps on slippin', slippin', slippin'
... doo...doo...du-doooo
Into the future... ...Ohhh.
... doo...doo...du-doooo
Time flies don't it baby?

---Fly Like an Eagle
(Steve Miller)

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Pro Bowl rosters: Ravens tie NFL record with 12 selections
https://www.usatoday.com/story/sports/nfl/2019/12/17/pro-bowl-rosters-afc-nfc-ravens-lamar-jackson/2680116001/

49ers mix Pro Bowl quartet with surprising snubs
https://www.mercurynews.com/2019/12/17/49ers-mix-pro-bowl-quartet-with-surprising-snubs/

Broncos CB Kareem Jackson suspended 2 games
http://www.theredzone.org/Blog-Description/EntryId/79707/Broncos-CB-Kareem-Jackson-suspended-2-games

How Madison Bumgarner took control of his free agency
   and left the Giants for the D’backs
https://www.eastbaytimes.com/2019/12/17/how-madison-bumgarner-took-control-of-his-free-agency-and-left-the-sf-giants-for-the-az-dbacks-mlb-trade-rumors/

NBA cuts another Warriors game from national TV schedule
https://www.eastbaytimes.com/2019/12/17/nba-cuts-another-warriors-game-from-national-tv-schedule/

Nick Bosa: “Sometimes it would be better for me
   to take a couple plays off early in the game.”
https://49ers.pressdemocrat.com/nick-bosa-sometimes-it-would-be-better-for-me-to-take-a-couple-plays-off-early-in-the-game/

[headlines]
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California Nuts Briefs---

4.3 earthquake on Central Coast is California’s biggest in two months
https://www.eastbaytimes.com/2019/12/17/4-3-earthquake-on-central-coast-is-californias-biggest-in-two-months/

Threat to California’s credit grows from
  troubled $1 billion state accounting program
https://www.sacbee.com/news/politics-government/the-state-worker/article238474128.html

Major expansion at the San Ysidro border crossing is now complete
https://www.sandiegouniontribune.com/news/border-baja-california/story/2019-12-17/major-expansion-at-the-san-ysidro-border-crossing-is-now-complete

[headlines]
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“Gimme that Wine”

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

Where to wine down on Christmas Eve and New Year’s Eve:
    Wineries open for the holidays
https://thepress.sfchronicle.com/article/where-to-wine-down-on-christmas-eve-and-new-years-eve-wineries-open-for-the-holidays/

Cline Family Cellars' Charlie Tsegeletos wins
  Sonoma winemaker category of beverage industry awards
https://www.northbaybusinessjournal.com/northbay/sonomacounty/10305906-181/charlie-tsegeletos-cline-wine-business-sonoma?ref=Template%20=

George Lucas' vineyard proposal near Skywalker Ranch
   irks some nearby residents
https://www.wyff4.com/article/george-lucas-vineyard-proposal-near-skywalker-ranch-irks-some-nearby-residents/30243945#

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

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

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

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

This Day in History

     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.