Why do so many people hate California?
######## 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. It is considered “bias” as it is the writer’s viewpoint.
Free Posting for those seeking employment in Leasing:
All “free” categories “job wanted” ads:http://www.leasingnews.org/Classified/Jwanted/Jwanted.htm
Marlin Shows $507,000 Profit over last year numbers
Marlin Leasing, Mount Laurel, New Jersey issued its press release regarding its fourth quarter and full year-end 2011 after the closing of the stock exchange. In anticipating the last few days, as noted in the story below, the stock has been rising.
The actual SEC filing has not been recorded as of yet, but the press release indicates new income of $2.06 million for the fourth quarter and $6.1 million for the full year 2011. A telephone conference call primarily to stock analysts will be held today, Friday.
There was an increase in net income (in thousands) from $5,668 in 2010 to $6,175 and the fourth quarter definitely contributed to it going from $1,446 in 2010 to $2,060 in 2011. Evergreen leases were not noted in the press release or residual income.
The press release notes in liabilities that deposits are now (all in the thousands) $198,579 compared to previous year of $492,919, but at the same time, long term borrowing is down from $178,650 the previous year to $92,004 2011 year-end. It may relate to Marlin Bank and the SEC filing most likely will explain it further. Stockholder equity (in thousands) in 2010 was $160,003 and increased at year end 2011 to $164,101.
The SEC will give a lot more information, but for those interested from the press release, here are other highlights:
Lease Companies on the Stock Exchange
Marlin and Microfinancial have increased the most recently, but it seems all have recovered from a previous low, when compared of the year time.
GE, US Bank, and Wells Fargo, are included, although the lease and finance numbers are small in comparison to other products, but give an indication. It also appears since Resource American Leasing has “deconsolidated” from LEAF that the stock has improved.
There are other entities in aircraft, container, shipping, as well as many regional and super-regional banks in leasing. This is aimed more at the small to medium size marketplace, although GATX is in the mix, who specializes in railroad transportation box cars and equipment.
Time Period of Stock Charts is One Year
Chesswood Group Limited (Pawnee)
Prev Close: 39.99
Prev Close: 43.11
Prev Close: 19.22
Prev Close: 7.89
Marlin Business Services
Prev Close: 14.38
Prev Close: 6.60
Resource America (LEAF) resource
Prev Close: 5.91
US Bancorp (Manifest/Leasing parent)
Prev Close: 28.81
Prev Close: 30.59
Brandon Bach has been appointed major accounts manager for CSG Leasing, Brooklyn, New York. Previously he was sales order processor, Toshiba Business Solutions, joining that company in June, 2010. Previously he was contract administrator, Toshiba Business Solutions since May, 2008, rising from account receivable to contract administrator. Merchandising analyst assistant, internship, Movado Group (January, 2008-May, 2008). William Paterson University of New Jersey Business Administration, Management, Economics (2004 – 2008).
Peter Basini has been hired as sales manager for the newly established tow truck division of Advantage Funding, Lake Success, New York. Previously he was business manager, AstraLease Associates, Inc. (January, 2005-2012), business development manager, Sovereign Bank (October, 1996-January, 2005).Long Island University, C.W. Post Campus BS, Business Administration (1980 – 1983).
Michael "Mike" Brown was appointed president of the newly formed Equipment Finance Division of Washington Federal, Seattle, Washington. He will be located at their office in Phoenix, Arizona, "...responsible for growing the company's equipment finance portfolio within Washington Federal's eight-state operations." Previously he was president & CEO, Western Alliance Equipment Finance (2008-February, 2012), EVP, group head, CIT Group, Equipment Finance (April, 2005-July, 2007), Senior Vice-president, Wells Fargo Equipment Finance (1992-2007). Prior he was "...president of First Interstate Leasing, and regional sales manager for General Electric Capital." Kansas State University (1972 – 1976).
Vincent Drobniak announced as chief credit officer at Northland Capital Financial Services, LLC, greater Philadelphia area. He joined the firm in October, 2011. Previously he was credit, risk and compliance consultant/senior project manager, banking and financial services firms (2011-2012), consultant, Robert Half International (2011-2012), chief credit officer/deputy chief risk officer, business consultant, CoActive Capital Partners (2010-2011), chief credit officer/global risk officer (Bank and Finance Company)/SVP credit and operations, Marlin Business Bank/Marlin Business Services (2004-2009), senior credit officer/vp risk management, De Lage Landen(Rabobank)/Tokai Financial (Tokai Bank) (1996-2004), vp rick management, Citibank (1993-1996), evp, credit and operations, Sussex Leasing/Macrolease(1986-1993), corporate credit manager, Manufacturers Hanover Bank (1981-1986). Adelphi University Masters of Business Administration, Banking & Finance (1980 – 1981), Penn State University Undergraduate, Finance (1977 – 1979>
Josh Jermaine was appointed district manager at OSG Billing Services, San Francisco Bay Area. Previously he was senior sales, NetSol Technologies, Inc. (August, 2011-November, 2011), inside sales manager (part of a mass layoff) Rich Relevance, Inc (July, 2010-February, 2011), branch manager, Flagstar Bank (January, 2008-February, 2010), president/founder, Liberty Leasing Services (February, 2004-February, 2008), vice-president, eLease (January, 2001-January, 2004), regional manager, Healthland Business Credit (January, 2000-January, 2001), account manager (ATEL Capital (January, 1996-January, 2001). University of the Pacific Bachelor's of Arts, Communications; Business (1991 – 1995) Activities and Societies: Alpha Kappa Phi Fraternity, Soccer Team, Social Guru. Crocker/Pinewood.
Jonathan Katz named vice-president, business development for Key Equipment Finance, Canada. Previously he was president, DCAT Group (March, 2011-February, 2012), manager, intermediary funding, GE Capital (April, 2006-March, 2011), manager, GE Capital ((2006-2008), manager, maximum financial services (November, 2001-March, 2006), IBM Canada Ltd. (December, 1999-November, 2001), manager, Comdisco (1997-1999). University of South Africa/Universiteit van Suid-Afrika International Financial Management (1993 – 1994). University of South Africa/Universiteit van Suid-Afrika B.Comm (1990 – 1994) Sandringham High (1983 – 1987)
Joey Kercher hired as technology IT consultant at Kforce, Inc., Denver, Colorado. Previously he was co-founder/marketing director ColoradoTees (April, 2008-Present), field coordinator for Power Bar, GMR Marketing (may, 2002-Present), principal/director of operations, 5280 Agency, LLC (May, 2008-February, 2012), market manager, Mix1 (February, 2010-September, 2010), market manager SOYJOY, Eventive Marketing (June, 2009-October, 2009), co-market manager for Kmart, Legacy Marketing Partners (June, 2009-September, 2009), senior account executive, Marlin Leasing (March,2 006-April, 2008), account assistant, video monitoring services (May, 2005-March, 2006), business development executive, Westaff (November, 2005-May, 2005).Mesa State College Business Administration, Marketing (2000 – 2005), University of Colorado at Boulder, Cherry Creek HS
Jessica Korovich was named major accounts manager for GSG Leasing, Brooklyn, New York. Previously she was account manager, World Business Lenders (June, 2011-October, 2011), director of first impressions, Re/Max Executives (March, 2011-June, 2011) and prior a license real estate agent wit ReMax, joining the firm March, 2011, She is a graduate of the New York Real Estate Institute, first attending Fiorello H. LaGuardia Community College.
Daniel Krajewski announced as new vice-president/chief sales officer by Direct Capital Corporation, Portsmouth, New Hampshire. He joined the firm in June, 2011. Previously he was ceo, Kenilworth Consulting (January, 2011-Present), senior vice-president & general manager, First American equipment Finance (November, 2009-Decembe,r 2010), vice president & general manager, vendor financial services, Relational Technology Solutions (May, 2009-october, 2009), chief sales & marketing officer, Velocity Financial Group (July,2 008-April, 2009), evp & general manager, technology & office equipment finance, CIT (August, 2005-Janary, 2008), vice president-Business development, GE Commercial Finance (June, 1993-July, 2005). State University of New York College at Buffalo MBA, Finance (1980 – 1983) Canisius College B.S., Management/Finance (1975 – 1979).
Mark Lanspa was name executive vice president, hospitality finance group, at Wells Fargo, opening a new office for the group in New York City, "where he will support current and potential customers in the New York Metro area." Previously he was mangier director, Credit Suisse (2011-2012), principal, Oasis Real Estate Partners (2009-2011), vice-president, Goldman Sachs (July, 2006-2009), managing director, GE Real Estate (September, 1999-July, 2006), managing director, GE Commercial Finance (1999-2006).Columbia University - Columbia Business School (1989 – 1990). Georgetown University (1980 – 1984).
Mike Popovich is no longer with Mechanics Bank, Richmond, California, where he served as senior vice-president/corporate banking. He continues as a director of the Northern California Presbyterian Homs & Services, non-profit. Prior he was managing director, Vineyard Bank (2006-2007), vice-president/business development, Bridger Commercialfunding (2004-2006), senior vice president/sales, Tamalpais Bank (2002-2004), vice president/director of sales, Ampent, Inc (2000-2002), director of sales, US Retail (Newcourt Financial), sales manager, western U.S., Transamerica Commercial Finance Corporation (1979-1997).
Daniel Storer was hired to expand Huntington Bank "presence in six states, Ohio, Kentucky, Indiana, Michigan, West Virginia, and Pennsylvania.
Valerie Swaner hired as business development officer, Equipment Leasing, for TAB Bank;
Jonathan Wease announced as vice-president of Portfolio Management for Aequitas Capital, Lake Oswego, Oregon. He joined the firm in November, 2011. Previously he was vice-president, PFSC (Portfolio Financial Servicing Company (January, 1997-Noember, 2011), corporate account officer, US Bank and US Bancorp Leasing (February, 1989-December, 1996).Maryhurst University MBA, Business Administration (2009 – 2010) University of Oregon Accounting (1986 – 1987) Concordia University-Portland BS, Business Administration
Brian Zeck announced as managing director, Aequitas Capital, Lake Oswego, Oregon. He joined the firm in December, 2011. Previously he was external wholesaler, executive vice president, Leader Capital Corp (August, 2006-October, 2011), taxable fixed income trader, Fixed Income Securities (June, 2003-July, 2006), trading liaison, Barclays Global Investors (BGI), June, 200-August, 2003. San Diego State University-California State University Bachelors of Science, Finance (2006 – 2009) Activities and Societies: Beta Theta Pi.
Meg Zenter hired as director, client services at US Capital Corporation. Previously she was an account executive, Home Direct, USA (October, 2011-January, 2010), outside sales representative, Consumer Portfolio Services (June, 2011-September, 2011), area sales representative, Consumer Portfolio Services (June, 2011-September, 2011), area marketing manager, Siena Acceptance Corporation (December, 2007-December, 2009), marketing representation, Marquette Consumer Finance (march, 2008-August, 2007), district officer coordinator, State of Illinois (October, 2005-March, 2007), area marketing representative, Bay View Acceptance Corp (200-2005), assistant jewelry manager, Service Merchandise (1991-1999). Eastern Illinois University Bachelor of Arts, Political Science, 1998. Downers Grove North High School general diploma, general (1989 – 1993). Immaculate Conception School 1980 – 1987
Leasing Industry Help Wanted
For information on placing a help wanted ad, please click here:
Please see our Job Wanted section for possible new employees
Why I became a CLP
I am extremely proud of my designation as a Certified Lease Professional. I have been in the Equipment Leasing/Finance industry for over 10 years and have had the pleasure to work with many smart, talented and (most importantly) fun people who inspired me over the years to strive for my CLP designation.
My career in equipment leasing began in 2000 working with Paul Knowlton at Bank of Walnut Creek, located across the bay from San Francisco, California. Having a solid background in financial services the Equipment Leasing Division of Bank of Walnut Credit was the perfect place to develop my commercial banking skills. I was able to get my feet wet as an account coordinator/lease processor and quickly learned to prepare credit packages before moving up the ranks to help with portfolio servicing and assisting with daily management of the operations. Paul, who was always very proud to carry the CLP designation, was wonderful about giving me opportunities to learn and continue to grow consistently. I was soon involved in the United Association of Equipment Leasing ((UAEL (now National Equipment Finance Association)) and saw great merit in attending the annual conferences and expos where there was so much more to learn about the equipment leasing industry as a whole. As I grew professionally in the industry, I made many connections with other local leasing professionals (and future CLP’s) like Brad Harmon of First Star Capital.
In the fall of 2005, my family and I relocated to Seattle, Washington where my husband was attending the University of Washington earning his Masters in Social Work. The relationships that had been formed with other leasing professionals through the UAEL made finding employment in the Pacific Northwest an easy task. I settled at Irwin Commercial Finance in Bellevue, Washington as the Funding Manager. I had tremendous opportunity to learn a different side of the business and had the opportunity to work with/learn from many CLP’s, most notable was my manager: Tony Sedlacek, CLP. It did not take long before Tony asked me when I was going to sit for the CLP exam and he soon left his CLP Handbook in my office as a gentle reminder. I have to admit, I was most definitely intimidated by studying for the exam and actually passing it. I had a solid background in documentation, credit process, collections, and leasing law but leasing company management (including lease accounting entries), financial statements and advanced lease pricing struck me as challenging. Soon Tony bought me my own CLP manual and encouraged me to start studying. I did…..slowly but surely I did.
My family and I relocated back to the San Francisco Bay Area in 2007 and I landed back to work with Paul at First Republic Bank to help manage and cultivate First Republic Equipment Finance. First Republic sponsored the Institute for Leasing Professionals (ILP) for employees and other Bay Area leasing professionals. Through the ILP I had the opportunity to reconnect with Brad Harmon of First Star Capital. Brad always stood out in the crowd. He is confident, smart, professional and very driven. It was fitting that we were in the Institute and sitting for the test together as we had both been encouraged by Paul to obtain our CLP over the years.
I believe the key to passing the exam is setting aside the time (whether you think you have it or not) from your busy schedule and making it a priority. I was surprised how much of the material was actually a review of my existing base of “leasing” knowledge. It was great to be with my peers in such an inspiring learning environment where each of us brought our unique experiences. There were lots of insightful discussions about how all of the material is actually applied outside the classroom. Honestly, the test wasn’t overly difficult at all…..if you attended the classes, did your homework and most importantly have some ”real life” experience to apply it to you can’t really go wrong.
The best part of my long road to getting my CLP is that it has come full circle in some ways. After lots of planning (waiting out the rough economy as well as completing my family with a new baby girl in 2009) I have joined Brad and the First Star team as Operations Manager. I am so thrilled to be a part of such an intelligent, driven and genuine group of leasing professionals here at First Star Capital. Including Brad and myself we have 3 CLPs at First Star and we are currently working on cultivating and a few more.
Having my CLP designation has served me very well in my career thus far and I know it will for years to come. I am so grateful to those who have taught me so much and encouraged me over the last decade. I will continue to encourage other professionals to consider the CLP program as it has opened doors for me that I did not even know where there…..
Why I Became a CLP series:
#### Press Release #############################
TBF: On Line Price Equipment Lease/Loan Charge Off
DEERFIELD, IL, —TBF Financial, LLC, a buyer of charged-off equipment leases and loans, announced today that its new website includes an online method for industry executives to learn the sale price for their uncollected leases and loans.
TBF will buy charged-off accounts up to three years old, said Robert Boehm, a principal and founder of TBF Financial, the company he launched in 1998 after a successful career as an attorney. His company will review submissions it receives online and follow that with a price subject to completing its due diligence.
“Obtaining a price online does not obligate the interested seller to sell. It only gives them an idea what their charged-off accounts are worth. If they want to consider selling, they then can so inform TBF, and the due diligence process will commence,” Boehm said. “Sales will usually be closed in seven days after submitting the due diligence information.”
While lease charge-offs went down to 0.7 percent at the end of 2011 from a peak of 2.5 percent in 2009, according to data from the Equipment Leasing and Finance Association, the selling of charge-offs represents an ongoing need for many equipment leasing and finance companies. Selling recoups significant losses and reinforces overall profitability, Boehm said, noting that the gain is immediate for the sellers. Recoveries on charged-off accounts are profits for accounting purposes and go directly to the seller’s bottom line, he added.
“Selling charge-offs that collection agencies cannot collect turns worthless assets into immediate cash and profits, and for forward flow arrangements, selling charge-offs becomes a budget line item of revenue that the seller can count on,” Boehm reports.
The company’s working philosophy is described on the TBF website at http://www.tbfgroup.com/whats_in_it.html.
TBF Financial clients include many of the largest equipment finance companies operating in the $500 billion global industry. TBF Commercial, a sister company of TBF Financial, buys charged-off commercial debt, other than equipment leases and loans, such as bank loans and credit card accounts.
About TBF Financial
##### Press Release ############################
(Leasing News provides this ad as a trade for investigations
Breed: American Hairless Terrier (note, rare, this terrier has a coat)
I am already neutered, housetrained, purebred, and up to date with shots.
Adopt-a-Pet by Leasing Co. State/City
Adopt a Pet
Leasing News: Fernandos View
As the cream of Hollywood get ready to parade in pricey gowns and endure goofy musical numbers, the question remains: Who will take home the gold on Oscar night this Sunday? For the benefit of movie-lovers and audiences, we’ve put together this list of predictions for the main categories of American cinema’s top award.
Nominees: "The Artist," "The Descendants," "Extremely Loud and Incredibly Close," "The Help," "Hugo," "Midnight in Paris," "Moneyball," "The Tree of Life," and "War Horse"
Prediction: The acclaimed but challenging "The Tree of Life" and the critically panned "Extremely Loud and Incredibly Close" are just two of the most unexpected nominees in this year's Best Picture category, a field wide enough to include historical epics, children's storybooks and family dramas. Mostly, however, the main race seems to be between the comfortable crowd-pleasers "The Artist" and "The Help," with "The Artist" (an inventive homage to silent pictures) having the benefit of novelty.
Previous Winner Netflix tips: “Lawrence of Arabia” (1962), "The Deer Hunter" (1978), "Rain Man" (1988), "Unforgiven" (1992), "Slumdog Millionaire" (2008)
Nominees: Woody Allen ("Midnight in Paris"), Michel Hazanavicius ("The Artist"), Terrence Malick ("The Tree of Life"), Alexander Payne ("The Descendants") and Martin Scorsese ("Hugo")
Prediction: The most deserving candidate, "The Tree of Life's" Malick, is unlikely to win, as the director is a notorious recluse who never shows up to award shows. The odds, as a result, are split between highly esteemed previous winners (Allen and Scorsese) and a popular newcomer ("The Artist's" Hazanavicius). Recent sweeps with reviewers give the edge over to Hazanavicius, though there's the chance of an upset in favor of Payne, whose dysfunctional family drama might remind Academy voters of "Ordinary People."
Previous Winner Netflix tip: Mike Nichols for “The Graduate” (1967), George Roy Hill for "The Sting" (1973), Richard Attenborough for "Gandhi" (1982), Jonathan Demme for "The Silence of the Lambs" (1991), Kathryn Bigelow for "The Hurt Locker" (2009)
Nominees: Demian Bichir ("A Better Life"), George Clooney ("The Descendants"), Brad Pitt ("Moneyball"), Jean Dujardin ("The Artist") and Gary Oldman ("Tinker Tailor Soldier Spy")
Prediction: Veterans and newcomers mix it up in this category. Clooney and Pitt are respected previous nominees (and, in Clooney's case, winners) matched by first-timers like Bichir and Dujardin. The most deserving performance may be Oldman's taciturn agent, a remarkable change of pace for this usually volatile actor, though most signs to point to Dujardin, whose appealing pantomime of silent-movie acting styles seems destined for a Roberto Benigni-style win.
Previous Winner Netflix tip: Sidney Poitier for “Lilies of the Field” (1963), Gene Hackman for "The French Connection" (1978), Robert Duvall for "Tender Mercies" (1983), Kevin Spacey for "American Beauty" (1999), Jamie Foxx for "Ray" (2007)
Nominees: Glenn Close ("Albert Dobbs"), Viola Davis ("The Help"), Rooney Mara ("The Girl with the Dragon Tattoo"), Meryl Streep ("The Iron Lady") and Michelle Williams ("My Week with Marilyn")
Prediction: As in the Best Actor field, here we have a welcome blend of seasoned and new faces. Streep, Close and Williams have plentiful and admirable experience with nominations and wins, while Mara debuts into the race with a breakout performance. However, this year's Oscar is predicted to go to Davis for her dignified turn in "The Help," a heartening case of the Academy recognizing a fierce talent whose past roles have gone largely underappreciated.
Previous Winner Netflix tip: Annie Bancroft for “The Miracle Worker” (1962), Jane Fonda for "Klute" (1971), Sissy Spacek for "Coal Miner’s Daughter" (1980), Holly Hunter for "The Piano" (1996), Helen Mirren for "The Queen" (2006)
Best Supporting Actor:
Nominees: Kenneth Brannagh ("My Week with Marilyn"), Jonah Hill ("Moneyball"), Nick Nolte ("Warrior"), Christopher Plummer ("Beginners") and max von Sydow ("Extremely Loud and Incredibly Close")
Prediction: This category is always brimming with juicy performances, and this year's no exception, ranging from Brannagh's theatrical polish to Nolte's life-worn grit to Hill's surprisingly dramatic sneakiness. The actor with the lock on the statuette, to judge from other award shows, is Plummer as the ailing yet feisty patriarch in "Beginners," a role tailor-made to reward this legendary veteran of screen and stage.
Previous Winner Netflix tip: Walter Matthau for “The Fortune Cookie” (1966), Ben Johnson for "The Last Picture Show" (1971), Haing S. Ngor for "The Killing Fields" (1984), Martin Landau for "Ed Wood" (1994), Morgan Freeman for "Million Dollar Baby" (2004)
Best Supporting Actress:
Nominees: Berenice Bejo ("The Artist"), Jessica Chastain ("The Help"), Melissa McCarthy ("Bridesmaids"), Janet McTeer ("Alfred Dobbs") and Octavia Spencer ("The Help")
Prediction: This category often works as a launching pad for promising performances, and it's great to see surprising nominations for Bejo's Jazz Age spunkiness, McTeer's humorous toughness and McCarthy's hilarious truculence. Rising star Chastain should have been nominated for "The Tree of Life," so the odds point to her "The Help" co-star Spencer, whose sly performance delivered a welcome pitch of salt to that sometimes overly sweet picture.
Previous Winner Netflix tip: Ruth Gordon for “Rosemary’s Baby” (1968), Tatum O’Neal for "Paper Moon" (1973), Olympia Dukakis for "Moonstruck" (1987), Dianne Wiest for "Bullets Over Broadway" (1994), Jennifer Hudson for "Dreamgirls" (2006)
Classified ads— Operations/Remarketing/Repossessions
All "Outsourcing" Classified ads (advertisers are both requested and responsible to keep their free ads up to date:
How to Post a free "Outsourcing" classified ad:
BofA to Speed Growth in China After Doubling Profit
Bank of America Breaks With Fannie Mae
AIG's profit surges on tax-related accounting gain
Euro jumps to 2-month high against dollar
Citi exits HDFC, pockets $2 billion
Whitman says she's at HP for the long haul
Male Foodservice Managers Earn $38K more than women
You May Have Missed---
Why do so many people hate California?
SparkPeople--Live Healthier and Longer
Sneaky Calories in Beverages Really Add Up!
Braun needs to keep swinging away
'Holy Grail' of football cards from 1894 Harvard squad worth up to $15,000 found in farmhouse
Winter in the Country by Claude McKay
Sweet life! how lovely to be here
Bare hands to touch, the sparrow's cheep
Music that every heart could bless,
But oh! to leave this paradise
In corner set, two crippled chairs
Will welcome me . . . And yet, and yet
Expansion under way at San Jose's Santana Row
“Gimme that Wine”
For Rhys Vineyards, Greatness Comes at a Price
Consumers pay more for tongue-twisting wines
Chateau Margaux unveils organic and screwcap wines
Pawnshops Accepting Wine As Collateral
Wine Prices by vintage
US/International Wine Events
Leasing News Wine & Spirits Page
This Day in History
1761 - James Otis voices opposition to English colonial rule in a speech before the Supreme Court of Massachusetts. In 1761 the merchants of Boston hired attorney James Otis to give a speech against the writs of assistance a general warrant which was issued for the life of the sovereign to search "any House, shop, Cellar, Warehouse or Room or other Place. Customs officers could ask anyone to help with the writ, which was the reason for its name. Young attorney John Adams, who later became the second President of the United States, heard the speech, and was so inspired by it that he wrote a provision for the Massachusetts Declaration of Rights based on the arguments Mr. Otis made. The language later formed the basic language of the Fourth Amendment to the United States Constitution. The battle against the writs of assistance, and the Otis speech, was one of the major opening chapters in the American colonists' struggles against tax tyranny that led to the American Revolution. The speech generated much excitement.
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?
How to play:
Refresh for current date:
See USA map, click to specific area, no commercials
Real Time Traffic Information
You can save up to 20 different routes and check them out with one click,
Independent, unbiased and fair news about the Leasing Industry.