Chase Plans SF Bay Expansion; branch rankings here
######## 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.
Classified Ads---Sales Manager
Fort Myers, Florida
Very experienced and strong skills with both Captive and Specialty Sales Management. Over 25 years , will relocate and travel---successful and team player.
Free Posting for those seeking employment in Leasing:
All “free” categories “job wanted” ads:http://www.leasingnews.org/Classified/Jwanted/Jwanted.htm
Westover Capital Accused of Multiple Grand Thefts
In the history of writing Leasing News there have been those in the industry where I find little pleasure in reporting, but to quell the rumors and misinformation, here is why Lanak & Hanna, Orange, California, is taking Westover Financial, Westover Capital, Jaimie Haver, Steven R. Jones, and Joseph G. Woodley, CLP, (past National Equipment Finance Association (NEFA) Executive Director and CLP board member) and others connected, to trial on March 12, 2010 in Superior Court, Orange County, California. It regards $859,409.50 allegedly stolen.*
To make the situation worse, Westover Capital is not a California Licensed Lender, subjecting transactions in California to usury laws as well as proprietorship and personal guarantee transactions may be considered invalid, unless the transaction is a “true lease” with no bargain purchase option and meets requirements of an “operating lease.” In addition, those licensed with capital lease transactions may find additional difficulties, including invalid contracts, if discovered, for dealing with a non-licensed entity.
It appears the Westover Capital logo
The Lanak & Hanna complaint alleges customer lists, computers, documents, equipment, files, forms, furniture, as well as actual leases and their residuals were taken from Westover Financial to Westover Capital, which secured a revolving line of credit. In additional, the complaint states Joe Woodley, CLP, allegedly destroyed the Westover Financial files and other documents; joined by Jaime Haver and as well as others who participated in the destruction of all records.
"Defendant HAVER; and DOES 86 through 100, inclusive, an officer of Defendant WESTOVER and WESTOVER CAPITAL, as well as Defendants WOODLEY, an officer and shareholder of Defendant WESTOVER; and DOES 1 through 25, inclusive, knowingly and intentionally arranged for the destruction of and destroyed all contracts, paperwork documenting deals, and equipment leasing and financing agreement documents and files of Defendant WESTOVER; and DOES 1 through 25, inclusive, shredded despite Plaintiff's demands not to, and also knowingly, fraudulently, and with wrongful intent transferred all other books and records not destroyed of Defendants WESTOVER to Defendants WESTOVER CAPITAL;"
The thirty-one page third amended complaint allegedly tells the story, which appears to leave Jaimie Haver and others twisting in the air, especially over oral testimony. The case really centers on her and others as well as Westover Capital. According to informed sources, Joe Woodley, CLP, is not the concern now, as he is not named as an officer or employee of Westover Capital. In fact, Jaimie Haver states her actions were done as a "favor to Joe," according to the Lanak-Hanna complaint. It seems to leave Joe Woodley out of cause for any action that took place.
This all started after the demise of First Heritage Bank, Newport Beach, California (1) that had given a $1 million revolver line of credit to Westover Financial, secured with the leases, signatures of Steven Jones and Joseph Woodley. In February, 2009 the FDIC as receivers sold the loan and covenants to Brown Bark III. May 6, 2009 the law firm filed against those named. Westover Capital, now located in Tustin, California was incorporated June 29, 2009 with Jaimie Haver as the agent (C3215873). (2) July 21, 2009 Joseph Woodley filed personal bankruptcy, and among the named debts was the First Heritage bank line of credit, along with others. (3)
The date is noticeable as the next day, July 22, 2009 Leasing News interviewed Joe Woodley, CLP (4). Several readers had contacted Leasing News, such as this email, "In case you don’t have this already, I just heard from a pretty reliable source that these guys closed down, apparently owing vendors, lessees and salespeople money. Thought you might want to check it out."
In the interview, a day after he had filed bankruptcy, Woodley told Leasing News he had "...sold 40% of the company to Steve Jones, who eventually took full control, until a few months ago when he left and took the inside sales crew to iFinancial, San Clemente, California."
The story continues:
"Semi-retired, but still active as membership director-West for the successor of UAEL, National Equipment Finance Association, he has settled some of the bills, settling other debts, answering other questions, and is now in the process of legally dissolving the company.
"His long time credit manager Jaimie Haver will then take over his former outside sales staff: Chuck Parsons, Amy Pine, Wayne Evans, Rick Russo, George Guibert, Tom Tolman, Dave Kolle, Rob Wible, Martin Lacayo, Woody Wong. They are planning to re-open as Westover Capital."
The intent was stated. It is the long time practice of Leasing News to have the person interviewed review the story to make any corrections, additions, or deletions, as was done this time.
By email, Joe Woodley responds:
"This article is fine, and a fair assessment of the situation. The industry rumor mill is having a good time with this economy and I’m sure this piece of yours will generate some phone calls and comments. Please let me know what the feedback is and I will do the same.
"...that unity of interest and ownership between Defendants WESTOVER; AND DOES 1 through 25 and WESTOVER CAPITAL; AND DOES 76 through 100 was created in bad faith and exists for the wrongful purpose of WESTOVER escaping liability for its debts. 'WESTOVER CAPITAL; and DOES 76 through 85, inclusive, and WESTOVER; and DOES 1 through 25, inclusive, share a similar name, operate business from the same address, WESTOVER's and WESTOVER CAPITAL'S telephone numbers connect to the same voicemail system advising the caller has reached "Westover," WESTOVER CAPITAL has and involves similar officers, owners, directors and the same insiders and employees involved in WESTOVER, carnies on the same business as WESTOVER, and has obtained, disposed of, and or hidden all the assets of WESTOVER, including WESTOVER' s client lists, business relationships, and good will without paying WESTOVER's debts and obligations. Plaintiff is further informed and believes, and thereon alleges, that any transactions between or involving WESTOVER; and DOES 1 through 25, inclusive, and/or WESTOVER CAPITAL; and DOES 76 through 85, inclusive, whereby WESTOVER; and DOES 1 through 25, inclusive, and/or WESTOVER CAPITAL; and DOES 76 through 85, inclusive, purported to purchase, assign, or transfer WESTOVER assets or dissolve WESTOVER without paying WESTOVER's debts and obligations were entered into fraudulently and with the intent and purpose of deceiving WESTOVER' s creditors, including Plaintiff, and for the purpose of evading payment obligations to WESTOVER's creditors and interested parties and to attempt to escape liability for its debts, while continuing to do business under the same or similar name. Plaintiff alleges there exists and has existed at all times relevant a unity of interest and ownership between WESTOVER; and DOES 1 through 25, inclusive, and WESTOVER CAPITAL;
"July 1, 2009 WOODLEY, in his capacity as an officer and shareholder of WESTOVER; and DOES 1 through 25, inclusive, orally represented to Plaintiff he intended on and would be destroying WESTOVER's; and DOES 1 through 25, inclusive's, books, records, papers, documents, ledgers, customer files, reports and all other documentation of WESTOVER; and DOES 1 through 25, inclusive, because WESTOVER; and DOES 1 through 25, inclusive, he represented, had not been and would no longer be doing any business. At that time, Plaintiff demanded WOODLEY refrain from destroying the books, records, papers, documents, ledgers, customer files, reports and all other documentation of WESTOVER; and DOES 1 through 25, inclusive, as Plaintiff, as the secured creditor of WESTOVER; and DOES 1 through 25, inclusive, had and has a right to possession and examination of all of the books, records, papers, documents, ledgers, customer files, reports and all other documentation of WESTOVER; and DOES 1 through 25.
"...stated orally to Plaintiff that she, HAVER, had arranged for the destruction of and destroyed all contracts, paperwork documenting deals, and equipment leasing and financing agreement documents and files of Defendant WESTOVER; and DOES 1 through 25, inclusive, shredded despite Plaintiffs demands not to...
"...and WOODLEY, an officer and shareholder of Defendant WESTOVER; and 7 DOES 1 through 25, inclusive, stated orally to Plaintiff that there were no residuals or lease payments to be collected by WESTOVER..."
"Defendant HAVER; and DOES 86 through 100, inclusive, orally reiterated and again emphatically represented that she had had all of Defendant WESTOVER; and DOES 1 through 25, inclusive's, equipment leasing and financing agreements and customer files had been shredded and, further, that Defendant WESTOVER; and DOES 1 through 25, inclusive, had not done business since the beginning of 200916 and was not doing any new business. When asked why then Defendant HAVER; and DOES 86 through 100, inclusive, was keeping all of Defendant WESTOVER; and DOES 1 through 25, inclusive's, property at her residence, she represented she was doing WOODLEY a favor..."
"When HAVER; and DOES 86 through 100, inclusive, individually and in her capacity as an officer of WESTOVER; and DOES 1 through 25, inclusive and WESTOVER CAPITAL; and DOES 76 through 85, inclusive, made these representations, she knew them to be false and made these representations with the intent to deceive and defraud Plaintiff and to induce Plaintiff to refrain from collecting payments being paid to WESTOVER which Plaintiff had a right to immediate possession of under the Secured Loan Agreement, refrain from collecting residual payments being made to WESTOVER. which Plaintiff had a right to immediate possession of under the Secured Loan Agreement and refrain from collecting the assets of WESTOVER, and with the expectation that Plaintiff would refrain from taking such acts."
"WHEREFORE, Plaintiff prays judgment against Defendants WESTOVER; and DOES I through , inclusive; JONES and DOES 26 through 50, inclusive; WOODLEY; and DOES 51 through 75, inclusive; and WESTOVER CAPITAL; and DOES 76 through 85, inclusive; and HAVER; and DOES 86 through 100, inclusive, as follows:
1. For damages in the principal an amount of not less than $859,409.50, according to proof at trial;
While attempts were made, none of the parties responded with a comment or statement.
* Principal Balance: $859,409.50; interest: $8,021.28; Total: $867,430.78 (Calculated through February 23, 2009)
(1) FDIC Press Release
(2) First Complaint, includes line of credit information
(3) Woodley BK Petition (Westover Financial Info only)
(4) July 24, 2009 Interview/Story
(5) July 23 email from Joe Woodley
The Changing “End User” Sales Calls
Those who use a prepared script, or--- approach with a low rate that they know they may not be able to provide, will be doomed for failure, especially perhaps by next year when the new accounting rules are going to narrow your offerings and require you to offer more flexible and adaptable leasing opportunities.
Modern leasing requires the lease salesperson to discuss the accounting and income tax effects of different types of leases while explaining the benefits to having the lease rental payment fit the use and term of the equipments value. To do this the salesperson needs to first, listen to the customer’s discussion of his business activity and then ask a series of easily answered questions to lead the discussion in the direction of leasing. If you take part in a real dialog you will find out what form of leasing the customer wants ---and as important, what you can offer to fit their needs. This puts the emphasis on the dialog--- not your monologue.
Salespeople tend to talk too much and listen to little. If you begin by talking too much, you forget the most important fact: The meeting is about the customer. You should let them be in charge in talking about their company, the use of the equipment, and what it means to them, and then perhaps what they believe their options may be.
Simply put: You should begin by letting the customer begin. Let them tell you what they are up to and how things might have changed since your last conversation. However, some may prefer you to start things off so it is wise to open with a question like “Mr. Smith I am prepared to talk about our leasing programs, that we discussed on the phone, but if you could give me your perspective on that, we can focus the meeting on what interest you”. It is important to listen to the customer and direct the conversation to what kind of lease structure may be of interest. Sometimes they had a bad experience with leasing and it would be good to hear about that too, especially if they have been hit with an “Evergreen Clause” or what they thought was a bargain purchase option but turns out to be something else at the end.
I know you want to explain the reasons customers lease, but very often the customers have reasons of their own and the discovery process to determine “what and why” is what separates the professional lease salesperson from the average order taker. You need to first understand what the customer has in mind prior to beginning your sales pitch. What his objections may be.
What his experience has been in acquiring loans and leases.
The best sales pitch comes from no sales pitch at all but from explaining how your lease fits what the customer is trying to accomplish.
I have always had success with the Socratic selling method. This method requires you to have a series of questions to direct the conversation instead of just presenting your leasing programs. But remember to listen and evaluate the answers prior to asking just question after questions assuming you know the answers. Also sometimes it is important to rephrase the answer to make sure you understand it. This lets the customer know you are listening.
If equipment needs come up in the conversation then prior to offering a lease learn more about the opportunity. Our first tendency is to ask for an equipment description, vendor’s name, and how many years the customer wants to lease. Wrong! Direct your questions towards the old equipment. Questions usually asked by leasing sales persons are directed to the old equipment first to determine what as been done in the past. “Mr. Smith can you tell me if this equipment is a replacement or an addition.” If the equipment is an addition it signals an expansion of activities and helps direct your future questions on credit issues. If the equipment is a replacement then the conversation needs to discover the history of the old equipment.
“How long have you been in possession of the existing equipment” This will give you an idea on what the term of lease should be. Next: “How did you use it and will the new equipment be used in the same way?” Now you are probably asking why ask how a forklift or a computer is going to be used when it seems obvious. The answer is that when “use” is discussed, lots of subject matter is naturally included such as location, requirements for trained operators, special maintenance, multiple use, hours of use, and many other surprising issues that may affect your residual assumptions.
On occasion, direct questions may be required to obtain complete information but if it can be obtained in conversation from leading questions the sales call is more effective. However, we all have been on sales calls where the customer is hard to question and does not think we need to know this much information, so be prepared to present the reasons for your inquiry such as: “Our Tax and Legal rules require us to determine that the term of our lease does not exceed 80% of the assets useful life and accounting requires less than 75% of the useful life”. This question signals that you know your business and are trying to offer the best deal possible. The discussion of the term based on the use of the old equipment and its current value can best be answered by presenting this fact to the customer.
Mr. Terry Winders, CLP, has been a teacher, consultant, expert witness for the leasing industry for thirty-five years and can be reached at firstname.lastname@example.org or 502-649-0448
He invites your questions and queries.
Previous #102 Columns:
“Reasons employees look elsewhere”
Question: What are reasons employees search for new Career Opportunities?
Answer: In my opinion, after recruiting for over a decade, the number one reason for employees looking elsewhere is because they do not feel valued or appreciated (either through compensation and/or recognition).
For a typical organization with a good and ethical reputation that does NOT “churn and burn” their employees (that is a whole different ballgame), it is rarely just one issue, but more than likely a few reasons, to include:
For Employees in a business development / sales, there are additional issues:
Previous Career Crossroad columns:
Bank Beat—Non-Conforming Loans in Georgia
The five branches of Central Bank of Georgia, Ellaville, Georgia, were closed with Ameris Bank, Moultrie, Georgia, to assume all of the deposits. Founded September 16, 1910, the bank had five officers: Butler, Buena Vista, Cusseta, Ellaville, and Macon. September, 30, 2011 they had 57 full time employees. Year-end 2006 they had 49 full time employees to a high of 72 full time employees in 2008 as they had opened an office in Buena Vista on June 15, 2007 and one in Cusseta March 3, 2008.
The bank saying below its name was “Common Sense Banking.”
Tier 1 risk-based capital ration: .066% (not a typo. editor)
The purchaser of the bank still owes $52 million in TARP:
"Ameris Bancorp, along with 370 other banks, still owes the U.S. Treasury money from the TARP program… Ameris Bancorp borrowed $52 million under the TARP Capital Purchase Program in November 2008. Ameris has made interest payments on the loan but has not paid back the original $52 million lent to it. Regulators have allowed many banks in the past to purchase failed banks when they still had outstanding TARP loans to the U.S. Treasury."
"...in 1975, John Gill became a director upon the death of his father, Paul L. Gill, who was president of the bank at that time. John Gill has been president since 1981 and president of the Middle Georgia Corporation since its inception in 1980. .."
A Consent and Decease agreement was entered July, 2009, then a new one December 9, and finally one in January. The July, 2009: "...issued an unusual 13-page notice detailing “unsafe and unsound” practices. They included manipulating and misstating the bank’s quarterly financial condition. Twice last year, the FDIC said, the bank’s holding company borrowed $500,000 from a board member and injected the money into the bank’s surplus capital account. A short time later, the bank paid a dividend to the holding company, which repaid the loan to the board member. These practices “inflated the bank’s capital at quarter and misstated the true condition of the bank,” the document said."
2008 the bank had charge offs of $3.3 million, followed by $7.3 million, $1.5 million, and $4.95 million year-end 2001. Real estate loans, construction and development primarily, along with other poor loan decisions did the long time bank in.
Construction and Land, 1-4 family multiple residential, Multiple Family Residential, Non-Farm Non-Residential loans.
It is more than the charge offs, but the non-conforming loans.
A non-conforming loan is a loan that fails to meet bank criteria for funding.Reasons include the loan amount is higher than the conforming loan limit (for mortgage loans), lack of sufficient credit, the unorthodox nature of the use of funds, or the collateral backing it.
These can also be 60 to 90 days delinquent, and in some cases up to 120 days, although they really go into a charge off column, but that is another subject. The point is the lack on income payments affects the bottom line not only in additional manpowr and costs, but in payments, and thus the profit goes down.
Here 2009 was $20.6 million, 2010 $22.4 million, and while year-end 2011 numbers were not available, the nine month number was $25.7 million. Note the effect on net equity and profit below:
(in millions, unless otherwise)
Georgia banks were hit hard with such loss, but the numbers below show a beleaguered bank headed for failure. Unfortunately this was common with "good ole boys" board of directors supporting loans to their colleagues, friends, and real estate developers who courted them at country clubs and the golf course.
In 2011 Georgia had the largest number of banking failures in the United States; 23 or 25% of all banking failures.
As of December 31, 2011, Central Bank of Georgia had approximately $278.9 million in total assets and $266.6 million in total deposits. In addition to assuming all of the deposits of the failed bank, Ameris Bank agreed to purchase essentially all of the assets.
The FDIC and Ameris Bank entered into a loss-share transaction on $192.8 million of Central Bank of Georgia's assets. Ameris Bank will share in the losses on the asset pools covered under the loss-share agreement.
The FDIC estimates that the cost to the Deposit Insurance Fund (DIF) will be $67.5 million
After being closed by the Office of the Comptroller of the Currency, and appointed as the received, the FDIC was unable to find another financial institution to take over the banking operations of Home Savings of America, Little Falls, Montana. Included in the enclosure were two branches in Orange County, California, and one in Walnut Creek, California. During 2011, the FDIC was unable to find a purchaser for two failed banks.
Between January 2009 to December 2010, the FDIC could not find buyers for 19 banks and was forced to liquidate the banks and payoff depositors.
Founded September 1, 1934, the bank expanded in June 22, 2007 with an office in Laguna Woods, Orange, California, January 7, 2008 with an office in Seal Beach, California, and on December, 29, 2008 with an office in Walnut Creek, California. As of September 30, 2011 they had 810 full time employees, specializing in mortgage transactions. As of December 31, 2006 they had 69 full time employees.
The FDIC said there were no sufficient bids primarily because on branch was in Minnesota and three were scattered in California. The majority of business came from all over the United States. There are many complaints about real estate transactions, even employment, on the internet involving this operation.
The FDIC will mail directly to depositors of Home Savings of America, checks for the amount of their insured money.
Depositors of Home Savings of America with more than $250,000 at the bank may visit the FDIC's Web page "Is My Account Fully Insured?" at http://www2.fdic.gov/dip/Index.asp to determine their insurance coverage. In these relatively circumstances, depositors who are above insurance limitations may find themselves at the loss of their savings over the limit.
The FDIC will mail directly to depositors of Home Savings of America, checks for the amount of their insured money.
As of December 31, 2011, Home Savings of America had $434.1 million in total assets and $432.2 million in total deposits. The amount of uninsured deposits will be determined once the FDIC obtains additional information from those customers.
The FDIC as receiver will retain all the assets from Home Savings of America for later disposition. Loan customers should continue to make their payments as usual.
The FDIC estimates that the cost to the Deposit Insurance Fund (DIF) will be $38.8 million.
Tier 1 Risk-Based Capital Ratio 4.59% as of September 30, 2011. More current information was not available from the FDIC.
This is a more apparent with non-current loans hitting $9 million, 2008, $28.2 million, 2009, and $17.6 million, 2010. The year-end numbers were not available, but note nine month is $11.1 million, and it is not the charge-offs, but lack of profit that hit the net equity.
There is more to this story, and there may be a federal investigation in the works.
(in millions, unless otherwise)
Construction and Land, 1-4 family multiple residential, Multiple Family Residential, Non-Farm Non-Residential loans.
List of Bank Failures:
Tuesday, February 28—Sutton at Arizona Meeting
AZELA First Meeting 2012
Tuesday, February 28 – 5 P.M.
State of the Equipment Leasing and Financing Industry
William G. Sutton, CAE
Mr. Sutton will discuss the state of the equipment leasing and finance industry as well as the outlook for 2012. He will also share his perspective on the Washington regulatory and political landscape from his experience as Assistant Secretary for Manufacturing and Services, a unit of the U.S. Department of Commerce's International Trade Administration, as Naval Aide to the President, and as Director of Navy Legislative Programs.
RSVP/Registration form to: Patrick McCann, Universal Financial Group, Inc., 3021 E. Laurel St., Mesa, AZ 85213 email: email@example.com or fax: 480-218-0525
Registration includes drink ticket, appetizers, buffet and time to network with your peers.
Reservations and checks should be in by February 20, 2012
More information available at:
Leasing Association 2012 Conferences
National Equipment Finance Summit
Bestselling author Mike Robbins
Lynne Wicker, Conference Chairperson, RTR Services, Salem, Oregon,
Special Program for Brokers who want to become Lessors
A successful broker himself for many years, Gerry talks about the struggles faced today by many brokers and describes a way out by taking more control of your business and outlines a path for learning how to do just that. Always, positive, always encouraging, Gerry also tells how NEFA connections and conferences helped him and countless other brokers and what's specifically planned for this year's Summit to continue to pay that forward. Time: 6:46
Pricing with registration
AIG Equipment Finance
And we anticipate A LOT more!
Funding Sources have significant flexibility in determining who they meet with.
April 26-28, 2012
360 Equipment Finance
AGLF/ELFA Public Sector Finance Forum
Palm Desert, California
November 7 - 9, 2012
32nd Annual Fall Conference
To view Leasing Association Events-Meetings Open to All, please click here.
Top Stories---February 21 - February 24
Here are the top ten sorties opened by readers:
(1) Leasing 102 by Mr. Terry Winders, CLP
(2) New Hires---Promotions
(3) Bad Guy Bruce Donner sentencing rescheduled
(4) Marlin Shows $507,000 Profit over last year numbers
(5) 41 Months plus $2.5 MM for Ponzi Scheme
(6) Searching for New CLP Foundation Executive Director
(7) Lease Companies on the Stock Exchange
(8) Career Crossroad—"Thinking of going into another industry."
(9) Bank of America Breaks with Fannie Mae
(10) TBF: On Line Price Equipment Lease/Loan Charge Off
(Leasing News provides this ad as a trade for investigations
### Press Release ############################
ELFA: President Obama's Corporate Tax Reform Proposal
Washington, D.C., — William G. Sutton, CAE, President and CEO of the Equipment Leasing and Finance Association, released the following statement in response to the Obama Administration’s proposal for corporate tax reform:
“For U.S. businesses and manufacturers to remain competitive, the tax code must promote growth and continue to encourage investment in capital equipment and the work force in order to facilitate the acquisition and operation of this equipment.
“The Equipment Leasing and Finance Association believes the time is right for comprehensive tax reform and supports the efforts by Congress and the Administration to create discussion drafts in the continuing dialogue. Promoting investment in productive assets and ensuring the maximum flexibility of financing options for asset acquisitions and business expansion are essential to creating the right environment for positive investment in equipment and growth of our economy. Within the context of tax reform, capital formation incentives need to remain, and the ability to acquire capital equipment should not be adversely affected.
“We look forward to playing a constructive role in the continuing debate surrounding tax reform and informing stakeholders of the critical role equipment financing plays in the U.S. economy.”
#### Press Release #############################
(Leasing News provides this ad “gratis” as a means
Breed: Labrador Retriever/Hound (Unknown Type) Mix
“I am already neutered, up to date with shots, good with kids, good with dogs, and good with cats.”
“His current weight is about 10 pounds and full grown we believe he maybe around 40 - 60 pounds. He could have hound dog or boxer in him as well.
“If you are interested in meeting or adopting Louie please email us at firstname.lastname@example.org”
Rescue Group: FOCHP
Adopt-a-Pet by Leasing Co. State/City
Adopt a Pet
Classified ads—Signing Service / Site Inspection
Signing Service / Site Inspection
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ELFA Reports $5.1 billion new business in January
SunTrust estimates possible $120 million cost in mortgage, foreclosure settlement
Canada's banks look to squeeze out more profit in tight times
Why Auto Leasing Collapsed in Canada
'The Artist' wins best picture, director, actor; Meryl Streep wins best actress
Ben & Jerry's releases Jeremy Lin ice cream flavor
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Looking For a Sunset Bird in Winter by Robert Frost
The west was getting out of gold,
In summer when I passed the place
No bird was singing in it now.
From my advantage on a hill
A brush had left a crooked stroke
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This Day in History
1717 - What was perhaps the greatest snow in New England history commenced on this date. During a ten day period a series of four snowstorms dumped three feet of snow upon Boston, and the city was snowbound for two weeks. Up to six feet of snow was reported farther to the north, and drifts covered many one story homes.
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?
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