New Dollar Thresholds Exempts Consumer Lease Transactions

Starting January 1, 2013 the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 (commonly referred to as Dodd-Frank Act, amended the Truth in Lending Act (TILA), implemented by Regulation Z, and the Consumer Leasing Act, implemented by Regulation M, to expand consumer protections by increasing the thresholds for exempt consumer credit transactions and consumer leases from $25,000 to $50,000. In addition, the Dodd-Frank Act provided that, on or after December 31, 2011, these dollar thresholds must be adjusted by any annual percentage change in the consumer price index.

A consumer lease is in Section 213.2, which is primarily for personal, family or household purposes below the $50,000 amount and over 4 four months term.

This should not affect commercial leasing.

There has been a "blurring" of the consumer and commercial law, especially involved with fraud, particularly when the vendor is involved and the equipment value is nil, such as the cases with Brican America, Church Kiosks, NorVergence, and Royal Links, as an example.

Franklin County 2nd Judicial Court House

Another reach from "hell and high water" or "2A" contracts seems also to occur in small towns and small courts, such as the 2009 case involving software, Lyon Financial Services, doing business as U.S. Bancorp Manifest Financial Services, a wholly owned subsidiary of U.S. Bank, lost a case to Christopher Rural Health Planning (CRHPC.) An Illinois Franklin County Jury in Benton awarded the plaintiff $59 million. The suit stemmed from CRHPC's software systems that it leased to obtain electronic medical records and patient data.

Those involved in consumer leasing should go over the changes with their attorney, as well as have their staff understand the new changes.

FDIC Law--Consumer Leasing Regulation:
http://www.fdic.gov/regulations/laws/rules/6500-2000.html

Classified Ads---Sales

(These ads are “free” to those seeking employment
or looking to improve their position)

Central Valley, California 6 years sales, management, marketing, business development, budget planning, finance. Proven track record challenging and competitive situations. Expert: healthcare, banking, and entrepreneurship. dsp559@outlook.com| Resume

Garfield, NJ 15 years experience small to large ticket sales exp. All types of equipment industries. Vendor & direct. Self motivated. Work with leasing company or broker. Tony Lio tonylio@optonline.net

Montgomery, AL Individual with 10 years advertising sales exp. & 7 years insurance sales exp. Wants independent contractor situation in Alabama. Work with leasing company or broker. 334-590-5133 E-mail: billmcneal2003@yahoo.com

Orange County, CA  20+ yrs. leasing sales/sales mgmt Established remote office w/Lessee/Vendor following Request Salary + commission or partnership w/direct funding source. shermbp@gmail.com

San Francisco Bay Area: 15 year Vendor Program Agreement HUNTER. Currently employed at major IT manufacturer captive supporting direct and channel sales. Must have base, commission and benefit package. E-mail: VdrPgmBizDev@aol.com

Texas/Oklahoma  15 year lease vet looking for plact to take business.great references. all major equipment types. open to compensation. please contact if interested. E-mail: bankingdallas@yahoo.com

Remote MBA, CLP, 20 yrs. experience, highly energy. Ethics, high volume producer Work from remote sales location, for national, independent Lessor/broker Commission only preferred. E-mail: stefitony@yahoo.com

Free Posting for those seeking employment in Leasing:
http://www.leasingnews.org/Classified/Jwanted/Jwanted-post.htm

All “free” categories “job wanted” ads:
http://www.leasingnews.org/Classified/Jwanted/Jwanted.htm

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1st Enterprise Hits Streets with Leasing in L.A. area

1st Enterprise Bank, Los Angeles, California showed a $3.7 million net
income for 2012, an increase of 18% over 2011 net income of $3.1 million. Headquartered in the Los Angeles financial district, with full service regional banking offices in Irvine and Ontario, 1st Enterprise Bank entered into the leasing arena last year.

1st Enterprise Bank Leasing 2006 Los Angeles, California Robert Selway Relationship Manager rselway@1stenterprisebank.com 213-430-7061 Cell: 213-500-0181 (click for more info)

21

CA only-Los Angeles, Orange County, Inland Empire

$100,000

Y

Y

N

N

Y

Full Press Release:

http://www.marketwire.com/press-release/1st-Enterprise-Bank-Announces-Net-Income-37-Million-2012-Increase-18-Over-2011-OTCBB-FENB-1751964.htm

 

Why Choose Advanced Property Tax Compliance?

Dedicated to the leasing industry click here to learn more.  Hear What Our Clients say about us  click here Gary DiLillo, President 440.871.0555 or gary@avptc.com

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New Hires---Promotions

 

Dick Homan has been chosen to lead Bankers' Equipment Leasing, Madison, Wisconsin, a new division of American Financial Networks, Cleveland, Ohio. Mr. Homan previously was First Vice President and Managing Director, BB Community Leasing Services, Inc., subsidiary of Banker's Bank, Madison, Wisconsin, where they specialized in helping sell, structure and close leases with community banks. Prior he was a leasing representative with The Gordon Flesch Company (1999-2003) and held various finance, consulting and management positions from 1984-1999. His academic background includes, Graduate School of Banking at the University of Wisconsin-Madison (2009 graduate), WBA (Wisconsin Bankers Association) Leadership Program (2009 graduate), Bachelor of Business Administration, University of Wisconsin, Madison, Wisconsin (1984). Dick is also a Certified Public Accountant and an Equipment Leasing & Finance Association (ELFA) member from 1999-Present. www.linkedin.com/pub/richard-homan/10/988/50

 

 

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Aggregate Funding Sources
(On Line: connects lessees, lessors, and vendors)

The companies were contacted for additional information, but did not supply them.

Capital Relay states on their web site they have 599 brokers and 113 lenders on their network.

Ecologic states on their web site they were founded in 2000 as "e-leasinghub.com, name changed, then March, 2003 a management team led by Michael Keeler, CEO took over. In 2008, they acquired Captara, a competitor, they note." In 2008, Ecologic renewed agreements with all of Captara's clients and ported their software capabilities, data, and lessor network to Ecologic's software services platform, LeaseAccelerator 5.0...Today, Ecologic has executive offices in metropolitan Washington, DC, Montreal, QC, and San Francisco, CA. However, most of Ecologic's employees work out of their home offices." 

They list client testimonials:
http://www.ecologicleasing.com/cts.htm

In-A-Jiffy is a relatively new company, less than two years old, noted as a member of the National Association of Equipment Leasing Brokers. Listed on the web site are many funders such as Allied Funding, Marlin, Direct Capital, United Capital among others. They also appeal to “buyers, vendors, brokers, and funders.”

	CapitalRelay.com
	www.ecologicleasing.com
	www.inajiffy.com

Top eLeasing companies as ranked by employees and volume

Rank	Company Name Year Founded	Employees	CEO	Additional Services Offered	Yearly Volume	Major Clients
	CapitalRelay.com (913) 749-1203 Overland, Kansas	N/R	N/R	N/R	N/R	N/R
	ecologicleasing.com N/R	N/R	N/R	N/R	N/R	N/R
	www.inajiffy.com 349 5th Avenue  New York, NY 10016  (888) 725-7121  NAELB	N/R	N/R	N/R	N/R	N/R

 

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Leasing Portals
(Business to Business including Finance/Leasing)

One site is free, the other two require a subscription for "leads" or "sources." Portals were the original browsers that are now much broader, such as Google or Yahoo. They basically link users to other reference sites. These portals are aimed specifically at business sites and network.

bizwiz.com
businessfinance.com 
capital-connection.com

 

 

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Better Programs Updates Leasing Software List

(Perhaps better known for their accounting software
solution known as TURBO-Lease)

21

Better Programs www.betterprograms.com 1985 Chad R. Oleson, President Better Programs, Inc. P.O. Box 2476 Crested Butte, CO 81224 Phone: 303 986 1969 Fax: (610) 602-5400 Email:  coleson@betterprograms.com

5

Chad R. Oleson

See description (i)

Privately Held

Large user base across the U.S. and Canada.

 

Leasing Software Companies Full List:
http://www.leasingnews.org/Ag_leasing/software.htm

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Leasing Industry Help Wanted  

Los Angeles, CA Credit Analyst  Review and Approve Applications/Vendors Documentation/Funding Staff  Leasing/Banking experience a plus Sales Experience preferred. Salary, Commission Bonuses and Benefits. For more description of duties, please click on position www.pacificcapco.com At Pacific Capital Companies our mission is to provide the American business sector with fast, innovative, financing solutions to grow their companies and exceed their goals.

 

 

Long Island, New York Must be willing to visit our office one time per week. Experienced & Successful Salesperson wanted, salary- leading to draw / commission comp formula.  Excellent Benefits including 401K and paid vacation-subsidiary of Bank Rhode Island-Dynamic and Well funded svenuto@macrolease.com Since 1969, Macrolease has been operating as a full service national equipment leasing company, a subsidiary of Bank Rhode Island

  

For information on placing a help wanted ad, please click here:
http://www.leasingnews.org/Classified/Hwanted/Hwanted-post.htm

Please see our Job Wanted section for possible new employees.

2012 bank ratings downgrades far outnumbered upgrades
By Andy Pierce and Muhammad Umer Shahid, SNL Financial

There was little consistency among the banks which received upgrades from the big three agencies. U.S. Bancorp received an upgrade from S&P in late August 2012, only to be downgraded by Moody's in December 2012. S&P cited U.S. Bancorp's outperformance of peers since the financial crisis, whereas Moody's cited "inescapable challenges that even a well-managed and diverse banking franchise currently faces," including pressures on net interest margins. Despite the downgrade, U.S. Bancorp remains well above Moody's investment grade threshold, and touts a stable outlook.

Bank ratings downgrades continued to outpace upgrades in 2012 as Moody's, Fitch Ratings, and Standard & Poor's Ratings Services issued 124 downgrades in the space, compared with only 30 upgrades, according to data compiled by SNL Financial. The analysis excludes ratings assigned to banking subsidiaries of firms not classified by SNL as a bank or thrift.

Moody's accounted for the bulk of the downgrades, issuing 68 in 2012. The agency also announced in September 2012 that its outlook on the banking sector remains negative, a view which reflects the "challenging domestic operating environment, with prolonged low interest rates, high unemployment, weak economic growth and fiscal policy uncertainties," according to Senior Vice President Sean Jones.

On June 21, 2012, 15 global banks and securities firms were downgraded, with Moody's citing "significant exposure to volatility and risk of outsized losses due to their capital markets activities." Bank of America Corp., Citigroup Inc., JPMorgan Chase & Co. and their bank subsidiaries were all affected. BofA and Citigroup were left with the lowest ratings out of the three, with long-term ratings of Baa2 at the holding company level, two notches above the minimum investment grade threshold, while JPMorgan remains at a more comfortable A2 rating.

Concerns out of Europe have also had an impact on U.S. domiciled banks. U.S. subsidiaries of Banco Santander SA and Banco Bilbao Vizcaya Argentaria SA were unanimously downgraded on the heels of the Spanish sovereign downgrades, which factored into the banking unit downgrades. In total, U.S. subsidiaries of European domiciled banks were issued 47 downgrades in 2012.

Aside from the Santander subsidiaries, TCF Financial Corp. unit TCF National Bank was also unanimously downgraded in 2012, with all three agencies citing asset quality as one of their concerns. TCF National Bank's percentage of nonperforming assets to total assets increased during the first three quarters of 2012, but dropped to 5.79% during the 2012 fourth quarter, according to SNL Financial. The bank's holding company completed a balance sheet restructuring in March 2012 and saw their chief risk officer resign in November 2012.

 

 

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2012 Accomplishment Report
Certified Lease Professional Foundation

Lori Dean, CLP – Arvest Equipment Finance Receives her CLP Plaque from 
Kyle Gilliam, CLP – Arvest Equipment Finance and Reid Raykovich, CLP – CLP Foundation

The CLP Foundation accepted and approved 18 applications for 2012, an increase of 450% from the previous year. Ten of those individuals passed the exam in 2012 and the rest are either studying to take the exam or planning to re-sit for it.

The following are those who gained their CLP certification in 2012:

The CLP Foundation said farewell to Cindy Spurdle who led the Foundation from May 2000 to June 2012. In appreciation of her twelve years of service and devotion to the Foundation, an award was named after her. The Cindy Spurdle Award of Excellence is an annual award given to the CLP who has contributed the most to the industry and best represents the CLP ideals. The first recipient of this award was Theresa Kabot, CLP and she was presented with the honor at the National Equipment Finance Association (NEFA) Funding Symposium in Washington DC.

After a nationwide search for a new Executive Director, the CLP Foundation was pleased to bring on board, Reid Raykovich, CLP as the new Executive Director. Since her hiring in April, Reid has worked non-stop to assist others who desire to learn more about the CLP certification.

The 2012 CLP Foundation Board worked with Reid to ensure that the transition of the Executive Director’s roles and responsibilities were seamless. Therefore, the Foundation would like to salute those who graciously volunteered their time and are no longer serving on the Board:

Vicki Shimkus, CLP - BSB Leasing
John G. Rosenlund, CLP - Portfolio Financial Servicing Company
Joseph G. Bonanno, Esq., CLP - Law Offices of Joseph Bonanno
Shannon Green, CLP - Orion First Financial, LLC
Katherine M. Nordendahl, CLP - Bank of the West

A sign of new enthusiasm for the Foundation came from the record number of nominations received for the 2013 Board of Directors. One of those was Amy Spragg, CLP - Pacifica Capital, “I am thrilled to be a part of the CLP Foundation Board of Directors this year and have the opportunity to give back to a program that has been so instrumental in my success. I look forward to working with my fellow board members and specifically, the marketing committee, to increase visibility within the industry and illustrate why being a member of the CLP Foundation demonstrates credibility, knowledge and professionalism.”

The Board also added the position of Chairman of the Board and elected Bob Teichman, CLP – Teichman Financial Training, “I am honored and excited to be returning to the CLP Foundation Board of Directors, particularly now when Certification is needed and appreciated more than ever. As one who has been associated with the CLP Program since its inception, I hope to use my extensive knowledge of the Program to assist the Board and the Executive Director in the continuing improvement and expansion of the CLP Program.” To learn more about the 2013 Board of Directors, click here.

The CLP Handbook and its Certification Program are used by hundreds of companies for employee training and as a way to recognize upcoming leaders within their organizations. We would like to recognize the following companies who employ three or more CLPs:

Financial Pacific Leasing (18)
First American Equipment Finance (7)
Orion First Financial, LLC (7)
Arvest Equipment Finance (5)
Bank of the West (5)
Great American Insurance (5)
Ascentium Capital LLC (4)
ECS Financial Services (4)
FirstStar Capital (3)
FSG Leasing (3)
LeaseTeam Inc. (3)

The CLP designation identifies you as a knowledgeable professional to employers, clients, customers, and peers in the leasing industry. There are currently 175 Certified Lease Professionals throughout the world. For more information, call Reid Raykovich at (206) 535-6281 or visit www.clpfoundation.org.

 

 

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***Announcement****************************************

Community Bankers to Gather in Las Vegas for
2013 ICBA National Convention and Techworld®

WHAT: Register today for the Independent Community Bankers of America’s (ICBA) 2013 National Convention and Techworld — the largest, most comprehensive educational event for the nation’s community bankers. Attendees will hear from Washington’s top policymakers while learning the latest top-of-mind community banking issues from more than 60 educational workshops.

WHEN: Monday, March 11, through Friday, March 15, 2012

WHERE: Wynn Las Vegas and Encore
3131 Las Vegas Blvd. South
Las Vegas, NV 89109
Press Room: Schubert Room, Encore Tower

WHO: General Session Speakers

9 a.m. Wednesday, March 13

Chris Wallace, host, Fox News Sunday
Martin Gruenberg, chairman, Federal Deposit Insurance Corporation
Richard Cordray, director, Consumer Financial Protection Bureau

9 a.m. Thursday, March 14
Tom Curry, comptroller of the currency, Office of the Comptroller
Jimmy Wales, founder, Wikipedia and the Wikimedia Foundation

About ICBA
The Independent Community Bankers of America®, the nation’s voice for more than 7,000 community banks of all sizes and charter types, is dedicated exclusively to representing the interests of the community banking industry and its membership through effective advocacy, best-in-class education and high-quality products and services. For more information, visit www.icba.org.

***Announcement****************************************

(This ad is a “trade” for the writing of this column. Opinions
contained in the column are those of Mr. Terry Winders, CLP)

Most Popular Dog Breeds in America 2012

 

(Grandson Scotty, age 3, with Bode Ace Menkin)

The Labrador Retriever remains Number 1, according to the American Kennel Club 2012 survey, holding the top spot for 22 years in a row:

2012 Most Popular Dogs in the U.S.

1. Labrador Retriever
2. German Shepherd Dog
3. Golden Retriever
4. Beagle
5. Bulldog
6. Yorkshire Terrier
7. Boxer
8. Poodle
9. Rottweiler
10. Dachshund

The 2012 Top 10 list had a few shake-ups, according to the American Kennel Club, as the Yorkshire terrier dropped to sixth place and the bulldog moved into fifth. The golden retriever and beagle also swapped spots between 2011 and 2012.

"Bigger breeds are making their move," said AKC Spokesperson Lisa Peterson in a press release. "The popularity of the pint-sized, portable pooch just gave way to a litter of larger breeds in the Top 10. These predictable, durable, steady breeds, like Labs and Goldens, are great with kids and offer the whole family more dog to love.

Westminster Dog Show
Monday, USA 8pm, CNBC 9pm
Tuesday USA 8pm to 11pm

Full 177 ranking (includes previous years):
http://www.leasingnews.org/items/akc_chart2013.jpg

 

Labrador---"Lab Rescue"
Mid-Atlantic includes Maryland, Pennsylvania,
Washington DC and Virginia

Ginger is a 5 year old yellow spayed female. She is up to date on her shots and is heartworm positive; Lab Rescue will pay for her treatment. She is good with other dogs and is approved for kids aged 10 and up. She weighs 44 lbs. Ginger is sweet-tempered and is used to living with another dog. Ginger is brand new to Lab Rescue; we'll tell you more about her as soon as we can.

Adoption Process
Includes a lot of information
http://www.lab-rescue.com/content.asp?pl=77&sl=791&contentid=791

Adopt-a-Pet by Leasing Co. State/City
http://www.leasingnews.org/Conscious-Top%20Stories/Adopt_Pet.htm

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

Leasing News: Valentine’s Day Special
by Fernando Croce

From classics like “Gone With the Wind” and “Breakfast at Tiffany’s” to recent hits like “Titanic” and “The Notebook,” romance has long played an integral role in the magic of movies. With Valentine’s Day just around the corner, check out Netflix’s collection of romantic favorites, and settle down with a movie to go with the flowers and heart-shaped chocolates.

Casablanca (Michael Curtiz, 1942): "Plat it again, Sam ... You must remember this ... Here's looking at you, kid." Is there a more mythical distillation of Hollywood magic than this 1942 all-time classic, which over the decades since its release has reached legend status? The plot ("still the same old story, a fight for love and glory," as the song goes) follows the romantic triangle of American cynic Rick Blaine (Humphrey Bogart), former lover Ilsa Lund (Ingrid Bergman) and undercover resistance fighter Victor Laszlo (Paul Henreidt) against the background of World War II in the of a seedy cafe in Morocco. Featuring a peerless combination of directing (Michael Curtiz), a top supporting cast (including Claude Rains and Peter Lorre) and indescribable Tinseltown magic, this is indeed a perfect offer from the Dream Factory.

History Is Made at Night (Frank Borzage, 1937): “Souls are made great through love and adversity.” So said Frank Borzage, one of the screen’s pioneering romantics and director of this dazzling blend of melodrama, comedy, and lyricism. While trying to get away from her dour ex-husband, Irene (Jean Arthur) meets Paul (Charles Boyer), the elegant headwaiter at a Parisian restaurant. They fall madly in love, but Irene’s jealous former flame (Colin Clive) is ready to go to murderous extremes to ensure that she remains by his side. Building up to a climax that pits the couple’s love against a shipwreck and clearly influenced “Titanic,” this is a one-of-a-kind, unfairly forgotten gem that should remind modern viewers why Hollywood was originally known as the Dream Factory.

An Affair to Remember (Leo McCarey, 1957): Director Leo McCarey (“The Awful Truth”) was so taken by this story of unlikely romance that he filmed it twice: once in 1939 as “Love Affair,” with Charles Boyler and Irene Dunne, and again nearly two decades later as this shimmering Valentine’s Day favorite. Nickie (Cary Grant) is an artist who’s become jaded due to his easy life. Terry (Deborah Kerr) is a singer engaged to be married. The two fall in love while on a transatlantic cruise, and make plans to meet again months later at the Empire State Building. When tragedy suddenly intervenes, however, the two see the power of their bond severely tested. A warm and engaging classic that has through the years received sighs and tears from audiences.

Before Sunrise (Richard Linklater, 1995): Can love at first sight still exist today? That’s the question asked by acclaimed independent director Richard Linklater (“Dazed and Confused”) in this affecting romantic-drama set between two strangers in Europe. Jesse (Ethan Hawke), an American tourist, and Celine (Julie Delpy), a French student, meet while traveling by train to Vienna. The chance encounter grows into something deeper as the two spend time together while waiting for their respective flights and take in the sights and history of the city. Sharing their beliefs, joys and dilemmas, they discover that they may be each other’s soul mate. But what will the following day bring? Endearingly acted and directed with sensitivity and a sense of subtle emotional urgency, this makes for a deeply affecting date movie.

In the Mood for Love (Wong Kar-wai, 2000): One of the most exciting filmmakers to emerge in the last twenty years, Wong Kar-wai has always had a knack for exuberant feelings and reckless romanticism. It’s ironic, then, that one of his most remarkable movies revolves around an affair that remains chastely unconsumed. Set in Hong Kong during the 1960s, the movie traces the intense yet delicate relationship that gradually grows between two married neighbors, Chow (Tony Leung Chiu Wai), a newspaper editor, and Mrs. Chang (Maggie Cheung), a diplomat’s secretary. Living in the same crowded building, they find comfort in each other’s company even as their emotions grow stronger. What follows is a gorgeously choreographed dance of restraint and passion that lingers in the heart of cinematic lovers everywhere. With subtitles.

 

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Classified Ads---Employment Web Sites

Here is a list of top internet job web sites, several specializing in financial, money, and leasing, too.

www.adams-inc.com
www.affinitysearch.com
www.bajobs.com
www.careerbank.com
www.careerbuilder.com 
www.careerpath.com
www.careerjet.com
www.craigslist.org
www.employmentcrossing.com 
www.FinanceLadder.com 
http://www.findhow.com/
www.hotjobs.com
www.Hound.com 
www.jobapplicationcenter.com 
www.indeed.com
www.jobs.net
www.jobs-applications.com
www.jobssearchengine.net
www.jobsearchusa.org 
www.JobSpin.net
www.jobsinthemoney.com
www.ladders.com
www.leasingworld.co.uk
www.lessors.com
www.LinkUp.com
www.MarketingJobs.com
www.monitordaily.com
www.monster.com
www.monstertrak.monster.com/ 
www.Postonce.com 
www.RecruiterConnection.com
www.resumeblaster.com
www.snagajob.com/part-time-jobs/
http://thejobfind.info/submit/
www.toplanguagejobs.com 
www.vault.com
www.vetjobs.com
www.worktree.com

 

News Briefs----

All eyes on forecasts as blizzard heads for New England
http://www.usatoday.com/story/weather/2013/02/06/historic-blizzard-forecast-for-new-england-friday/1897783/

Mortgage Rates Trend Higher, Get Paperwork Ready Now
http://www.bankrate.com/finance/mortgages/mortgage-analysis.aspx?ic_id=Top_Stories_link_1

New car finance rose by 36% in 2012
http://www.am-online.com/news/2013/2/7/new-car-finance-rose-by-36-in-2012/32341/

Boeing 787’s problems blamed on outsourcing, lack of oversight
http://seattletimes.com/html/businesstechnology/

U.S. Official Faults F.A.A. for Missing 787 Battery Risk
http://www.nytimes.com/2013/02/08/business/us-officials-fault-faa-for-missing-787-battery-risk.html?ref=business

Will rising wealth effect lift GDP?
http://www.usatoday.com/story/money/markets/2013/02/07/stocks-wealth-markets/1900369/

Ex-Tyco chief — who looted company funds for $6K gold shower curtain — gets another chance at parole
(Guess who owns his house today in NH)
http://www.nypost.com/p/news/local/manhattan/larceny_tyco

Attorney: Poisoned lottery winner changed finances to benefit wife
http://www.chicagotribune.com/news/local/breaking/chi-attorney-poisoned-lottery-winner-changed-finances-to-benefit-wife-20130207,0,5557030.story

Asteroid Impact That Killed the Dinosaurs: New Evidence
http://news.yahoo.com/asteroid-impact-killed-dinosaurs-evidence-191146621.html

5 things you don’t know about Bill Cosby
http://707.pressdemocrat.com/2013-02-06/featured/5-things-you-dont-know-about-bill-cosby

 

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---You May Have Missed

Staying Private on the New Facebook
http://www.nytimes.com/2013/02/07/technology/personaltech/protecting-your-privacy-on-the-new-facebook.html?src=me&ref=general

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SparkPeople--Live Healthier and Longer

SparkPeople--Live Healthier and Longer

5 Big, Fat Diet Myths--Busted!: SparkPeople SlideShow
http://www.sparkpeople.com/resource/slideshow.asp?show=93

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John Kenny Receivables Management • End of Lease Negotiations & Enforcement• Fraud Investigations • Credit Investigations • Asset Searches  • Skip-tracing • Third-party Commercial Collections john@jkrmdirect.com | ph 315-866-1167| www.jkrmdirect.com

(Leasing News provides this ad as a trade for investigations
and background information provided by John Kenny)

 

Sports Briefs----

Kaepernick celebrates offseason with new tattoo
http://blog.sfgate.com/49ers/2013/02/07/kaepernick-celebrates-offseason-with-new-tattoo/

Culliver, Whitner don't agree on what went wrong on 56-yard touchdown
http://blogs.sacbee.com/49ers/archives/2013/02/culliver-whitner-dont-agree-on-what-went-wrong-on-56-yard-touchdown.html

Super Bowl theory: 49ers lost because of their airplane attire
http://www.mercurynews.com/49ers/ci_22522264/super-bowl-theory-49ers-lost-because-their-airplane
(Most likely a reflection of each team’s coach, and perhaps the SF 49ers are more Santa Clara than San Francisco---as Silicon Valley dress very, very casual)

Oakland Raiders to reduce capacity of stadium in order to avoid television blackouts
http://www.mercurynews.com/raiders/ci_22534261/oakland-raiders-reduce-capacity-stadium

 

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California Nuts Briefs---

Whistleblower tells story of Bloom Energy workers paid in pesos
http://www.mercurynews.com/business/ci_22536219/exclusive-bloom-energy-whistleblower-tells-workers-paid-pesos

Fewer Californians leaving state for Texas
http://www.sacbee.com/2013/02/06/5170449/fewer-californians-leaving-state.html

 

(Leasing News provides this ad “gratis” as a means
to help support the growth of Lease Police)

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“Gimme that Wine”

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

Burgundy’s Embarrassment of Riches
http://www.nytimes.com/2013/02/13/dining/reviews/red-burgundy-from-the-2010-vintage.html?ref=dining

Napa Valley Vintners Announce Auction Napa Valley 2013: Tickets on Sale Now
http://www.napavintners.com/trade/tm_3_release_detail

Winery expansion will bring 400 jobs to Lodi
http://www.recordnet.com/apps/pbcs.dll/article?AID=/20130206

Mondavi's vision shaped Napa Valley
http://www.bradenton.com/2013/02/06/4380870/mondavis-vision-shaped-napa-valley.html

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

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

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

Winery Atlas
http://www.carterhouse.com/atlas/\

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

        1517- Francisco Hernandez de Cordova sailed from Cuba with three ships to procure slaves for the mines as Columbus was bringing many slaves back to Europe. He landed on the Isla de las Mujeres, to which he gave this name because the idols he found . He and his crew became the first Spaniards to purposefully reach the mainland of what is now Mexico . He died after an encounter with Mayan Indians. Some say he landed in Florida, where he actually passed away from the wounds from the battle. 
http://www.isla-mujeres.net/history.htm
http://www.yucatantoday.com/destinations/eng-campeche.htm
http://www.tourbymexico.com/campeche/champo/champoto.htm
http://www.famousamericans.net/firstspanishgovernorofsouthamericapedrariasdayila/
    1690 - French and Indian forces attack Schenectady, New York during King William’s War. The fate of Schenectady was sealed in the middle of January, 1690, when 114 Frenchmen and 96 Sault and Algonquin Indians, started from Montreal to attack English outpost to the south. It was part of the master plan to fulfill the wishes of French King Louis XIV to "build a new empire in America”. During the raid on Schenectady many men, women and children were killed, or taken captive by the French and Indians and marched up into Canada.    
    1735- The first opera produced in the colonies was performed at the Courtroom, at Charleston, SC. The opera was Flora; or the Hob in the Well , written by Colley Cibber.
    1820- Birthday of William Sherman, Union General Sherman, especially remembered for his devastating march through Georgia during the Civil War and his statement "War is hell." Died at New York, NY, Feb 14, 1891.
    1829-Birthday of Captain John Newton Sloan, a remarkable man thought found dead during the Civil War, but survived in a heroic manner.
http://www.geocities.com/BourbonStreet/Delta/3843/man.htm
    1835 - A severe cold wave gripped the southeastern U.S. The mercury dipped to 8 above at Jacksonville FL, and to zero at Savannah GA. Orange trees were killed to the roots.
    1837- The first vice-president elected by the Senate was Richard Mentor Johnson, who was chosen by the Senate because no candidate had received a majority of the electoral votes. He served from March 4, 1837 to March 4, 1841, under President Martin Van Buren. In the future, president and vice-president were to run on one ticket.
    1835 - A severe cold wave gripped the southeastern U.S. The mercury dipped to 8 above at Jacksonville FL, and to zero at Savannah GA. Orange trees were killed to the roots.
    1851 – Birthday of American feminist writer Kate Chopin born, St. Louis, Missouri.
http://www.accd.edu/sac/english/bailey/chopink.htm
    1862 - Union General Ambrose Burnside scores a major victory when he captures Roanoke Island in North Carolina. The victory was one of the first major Union victories of the war and it gave the Yankees control of the mouth of Albemarle Sound, a key Confederate bay that allowed the Union to threaten the Rebel capital of Richmond from the south. 
    1865- Martin Robinson Delany, received his commission and became the first Army major who was African-American. He was stationed in Charleston, South Carolina.
    1881- Frederic Ives, a photographer at Cornell University, Ithaca, NY received a patent for a halftone printing plate for reproducing photographs in books, magazines, and newspapers. In 1878 he converted negative into a screen gelatin relief from which he made a printing plate with good fidelity. He further developed this, which revolutionized the printing industry.
    1885-- The City of Tokio arrived in Honolulu carrying the first 944 official migrants from Japan to Hawaii.
    1887- President Cleveland signs the Dawes Land Allotment Act, dissolving Indian tribes as legal entities. It distributes territory held in common by American Indian nations to individual families. Each family is to get 160 acres. All other land will be sold, with proceeds going to an educational trust fund.
The Dawes Land Allotment Act entitled each family on the Great Sioux Reservation to own 160 acres. Since the reservation contained twice the land needed for allotments, the law dispossessed the Sioux of half their rightful territory. The Act ultimately results in the loss of tens of millions of acres of treaty land. "The commune shall give way to the dignity and rights of American citizens . . . the heathen idols shall give place to the Christian altars, and . . . the tribal organization shall be broken up and the individuality of the Indian encouraged and developed, and the lands unnecessarily reserved for them opened to the pioneer [so that] intelligence and thrift may find lodging there."
http://www.csusm.edu/nadp/asubject.htm
http://www.csusm.edu/nadp/a1887.htm
    1889- the first production of steam tractors were loaded on a car at San Leandro, California, designed and made by Daniel Best. They were called the Best Tractor. Until gasoline powered engines came along, the steam tractor was the Best.
    1899- blues guitarist and singer Lonnie Johnson was born in New Orleans. More respected for his playing than his singing, Johnson developed his distinctive style as early as 1927 when he recorded with Louis Armstrong's Hot Five. Johnson's 1948 recording of "Tomorrow Night" was very popular, spending seven weeks on Billboard's rhythm-and-blues chart, and even making the top 20 of the pop chart. From the mid-1960's, he spent much of his time in Toronto. Lonnie Johnson suffered a stroke after a serious accident in 1969, and died the following year.
    1906- Birthday of Henry Roth, American author who gained first international fame with his novel Call It Sleep (1934). Originally seen as an important proletarian novel of the 1930s, it was soon out of print and forgotten, but in the 1960s it was hailed as the finest Jewish-American novel of the first half of the century and one of the richest modernist novels to appear in America. Roth published no other novels until 1994, working several jobs, among others as a precision metal grinder, mental nurse, poultry farmer, and teacher. Died 1995.
http://www.kirjasto.sci.fi/henryr.htm
http://www.nagasaki-gaigo.ac.jp/ishikawa/amlit/r/henry_roth21.htm
    1906-Birthday of 1906 -- Chester F. Carlson, inventor of the photocopier, born Seattle, Washington.
    1910- The Boy Scouts of America was founded at Washington, DC, by William Boyce, based on the work of Sir Robert Baden-Powell with the British Boy Scout Association.
    1911-Birthday of American Poet Elizabeth Bishop born Worcester, Massachusetts; winner of a Pulitzer Prize for her book of poems, North and South, in 1956.
    1915- The Clansman, or the Birth of the Nation, 12 reels, produced by D.W.Griffith, and starring Henry Walthall and Lillian Gish, with a cast of 18,000 people and 3,000 horses premiered at Clune's Auditorium, Los Angeles. It was based on the Clansman by Thomas Dixon. It was the first movie to gross $50 million, an astronomical sum in those days. Two performances were presented daily. There was a matinee at 2:30pm, admission 25 cents and 50 cents, and an evening show at 8:om, admission 75 cents.
http://memory.loc.gov/ammem/today/feb08.html
    1919—trombonist and band leader Buddy Morrow birthday
http://www.spaceagepop.com/morrow.htm
http://www.amazon.com/exec/obidos/tg/stores/artist/glance/-/52924/
ref=pm_dp_ln_m_6/102-6604306-8652139
    1925- birthday of Jack Lemmon, Stage, screen and television actor, born John Uhler Lemmon III at Boston, MA. Often paired with actor Walter Matthau, he starred in such films as The Odd Couple, The Fortune Cookie and The Front Page . He was nominated for seven Academy Awards, winning in 1955 for his supporting role inMister Roberts and in 1974 for his leading role in Save the Tiger . Other films included Some Like It Hot, Days of Wine and Roses and Grumpy Old Men . He also starred in television versions of Inherit the Wind and Twelve Angry Men , and won an Emmy in 2000 for the TV movie Tuesdays with Morrie . He was a favorite for many years at the Bing Crosby, now AT&T Golf Tournament in Pebble Beach, CA. He died at Los Angeles, CA, June 27, 2001.
    1926- alto sax player Pony Poindexter birthday, New Orleans, LA.
    1926- Beat author Neal Cassidy born Salt Lake City, Utah
http://www.rooknet.com/beatpage/writers/cassady.html
http://www.geocities.com/SoHo/Cafe/1010/
http://www.intrepidtrips.com/pranksters/neal/index.html
http://ezone.org/ez/e2/articles/digaman.html
    1929- Eddie Condon's Hot Shots ( Jack Teagarden, Mezz Mezzrow, Joe Sullivan ) record: ” I'm Gonna Stomp,” “ Mr. Henry Lee.” Victor V-38046 )
    1931- Birthday of James Dean, American stage, film and television actor . He achieved immense popularity during a brief career. He is considered an "icon" today to several generations. Born at Fairmont, Indiana. Best remembered for his role in" Rebel Without a Cause" with Natalie Wood. Died driving his Porsche convertible at a very high speed on a desert highway near Cholame, CA, Sept 30, 1955, at age 24. Stamp collectors made the US postal stamp bearing Dean's likeness the most popular stamp of 1996.
http://www.jamesdeangallery.com/
http://www.jamesdean.com/index.php
    1932- birthday of John Williams, pianist, conductor ( formerly with Boston Pops) composer ( scores for Jaws, Star Wars, Jurassic Park, Schindler's List ) , New York City, New York.
http://www.johnwilliams.org/reference/biography.html
    1936 - The temperature at Denver CO plunged to a record 30 degrees below zero.
    1937-Birthday of Shirley Bassey, Welsh-born popular British and American singer at her zenith in the 60s and 70s. Although her strong voice carried well on records, her forte was concerts and cabaret acts. Among her best known renditions are "For All We Know" and "Never, Never, Never."
    1941- folksinger Tom Rush birthday, Portsmith, NH. 
http://www.tomrush.com/index.shtml
    1944--HUFF, PAUL B. Medal of Honor
Rank and organization: Corporal, U.S. Army, 509th Parachute Infantry Battalion. Place and date: Near Carano, Italy, 8 February 1944. Entered service at: Cleveland, Tenn. Birth: Cleveland, Tenn. G.O. No.: 41, 26 May 1944. Citation: For conspicuous gallantry and intrepidity at risk of life above and beyond the call of duty, in action on 8 February 1944, near Carano, Italy. Cpl. Huff volunteered to lead a 6-man patrol with the mission of determining the location and strength of an enemy unit which was delivering fire on the exposed right flank of his company. The terrain over which he had to travel consisted of exposed, rolling ground, affording the enemy excellent visibility. As the patrol advanced, its members were subjected to small arms and machinegun fire and a concentration of mortar fire, shells bursting within 5 to 10 yards of them and bullets striking the ground at their feet. Moving ahead of his patrol, Cpl. Huff drew fire from 3 enemy machineguns and a 20mm. weapon. Realizing the danger confronting his patrol, he advanced alone under deadly fire through a minefield and arrived at a point within 75 yards of the nearest machinegun position. Under direct fire from the rear machinegun, he crawled the remaining 75 yards to the closest emplacement, killed the crew with his submachine gun and destroyed the gun. During this act he fired from a kneeling position which drew fire from other positions, enabling him to estimate correctly the strength and location of the enemy. Still under concentrated fire, he returned to his patrol and led his men to safety. As a result of the information he gained, a patrol in strength sent out that afternoon, 1 group under the leadership of Cpl. Huff, succeeded in routing an enemy company of 125 men, killing 27 Germans and capturing 21 others, with a loss of only 3 patrol members. Cpl. Huff's intrepid leadership and daring combat skill reflect the finest traditions of the American infantryman.
    1950- Man o'War was voted the greatest race horse of the first half of the 20 th century in a poll conducted by the Associated Press. Man o' War raced as a 2- and 3- year old, winning 20 of 21 races and setting five track records.
    1951---Top Hits
My Heart Cries for You - Guy Mitchell
Tennessee Waltz - Patti Page
If - Perry Como
There's Been a Change in Me - Eddy Arnold
    1952- Webb Pierce entered the Billboard country chart for the first time with "Wondering." Pierce dominated the country charts in the 1950's with his pure honky-tonk sound. Between 1952 and '62, he placed 44 songs on the Billboard chart, 38 of which made the top ten. Pierce's influence can be heard in the music of such contemporary country artists as Ricky Skaggs and Dwight Yoakam.
    1954 – Beat author Jack Kerouac, hitchhiking from NY on the 27th of January, visits Neale and Carolyn Cassady in Los Gatos, California, not too far from where I live. . Kerouac's interest in Buddhism begins as he reads Dwight Goddard's A Buddhist Bible; he also begins writing "Some of the Dharma." In March Kerouac settles in San Francisco.
    1956-Frankie Lymon and the Teenagers' "Why Do Fools Fall in Love" and the Teen Queens' "Eddie, My Love" enter the R&B chart.
    1956- Buddy Holley signs a recording contract with Decca Records, one which mistakenly drops the "e" from his last name. Buddy, knowing a good thing when he sees it, drops the letter from his name as well.
    1958-The Quarrymen perform at the Wilson Hall in the Garston section of Liverpool, England. Afterwards, member Paul McCartney introduces his friend George Harrison to John Lennon.
    1958-The Diamonds had the best selling record in the United States with their version of "The Stroll". The song also reached number four on the Billboard Pop chart and number five on the R&B chart. 
    1959---Top Hits
Smoke Gets in Your Eyes - The Platters
The All American Boy - Bill Parsons
Stagger Lee - Lloyd Price
Billy Bayou - Jim Reeves
    1959-Johnny Cash performs his #1 Billboard Country chart hit, "Don't Take Your Guns to Town" on The Ed Sullivan Show
    1960- Bobby Rydell's "Wild One" makes its debut on the Billboard chart, where it will reach number 2. 
    1960- Mark Dinning's "Teen Angel" hits #1. The song had been written for him by his sister Jean, who also recorded as one of The Dinning Sisters. Some radio stations banned the song.
    1960- the US Congress opened hearings on payola, whereby a radio station or its employees, usually a disc jockey, accept payment for broadcasting records. Among those accused were DJs Alan Freed and Dick Clark. Clark was called the most influential person in the popular music industry because of his interests in music publishing and record companies. But he denied any wrongdoing and escaped the inquiry virtually unscathed. Alan Freed was not so fortunate. He had few friends in the music business because of his practice of playing records by black artists rather than white cover versions. When the investigation started, Freed was blackballed. And when he finally came to trial in 1962, he was a broken man. Freed pleaded guilty to two counts of commercial bribery, was fined $300 and received a suspended sentence. He never worked in radio again and died in January 1965. Congress eventually outlawed payola, and the offence was punishable by a maximum $10,000 fine. But the significance of payola was greatly diminished by this time because of the growth of Top-40 radio. Disc jockeys were governed by a rigid play list and were not allowed to choose their own music.
    1963- less than two months after defeating the Houston Oilers in the second championship game of the American Football League, the Dallas Texans, owned by Lamar Hunt, moved to Kansas City and were renamed the Chiefs.
    1963-The Four Tops are inked to Berry Gordy's Motown label and receive a $400 signing bonus.
    1964- during the congressional debate over the 1964 Civil Rights Act, Representative Martha Griffiths delivered a memorable speech advocating the prohibition of discrimination based on sex. Her efforts resulted in adding civil rights protection for women to the 1964 Act. She later successfully led the campaign for the Equal Rights Amendment in the House of Representatives.
    1964-Songs released today include the Temptations' "The Way You Do the Things You Do" on Motown, the Beach Boys' "Fun, Fun Fun" is out on Capitol and the album "Beatlemania in the USA!" by the Liverpools is released on Wyngate Records.
    1964- The Beatles' "I Saw Her Standing There" enters the pop charts.
    1964-Max Firetag, publisher of "Louie Louie" as recorded by the Kingsmen for Wand Records, denies Indiana Governor Matthew Welsh's claim that the song is "pornographic." Firetag offers $1,000 to anyone who can find anything "suggestive" in the song's lyrics.
    1964- Billy Kidd and Jim Heuga became the first American men to Win Olympic medals in Alpine skiing when they captured the silver and bronze medals respectively, in the slalom at the IXth Winter Olympics at Innsbruck, Austria.
    1965-The Supremes' "Stop in the Name Of Love" is released.
    1967---Top Hits
I'm a Believer - The Monkees
Georgy Girl - The Seekers
Kind of a Drag - The Buckinghams
There Goes My Everything - Jack Greene
    1969- The Supremes and Temptations' album TCB enters the charts.
    1968-Ex-Cream guitarist Eric Clapton and drummer Ginger Baker and ex-Traffic keyboardist and singer Stevie Winwood announce they are forming a new band and auditioning for a bassist, with the addition of ex-Family bassist Rich Grech, the band will become the "supergroup" Blind Faith.
    1973- Carly Simon is awarded a gold record for her single "You're So Vain," the only Number One song of her career. Many speculate as to the identity of the song's subject. Many assume it's Mick Jagger, whose voice can be clearly heard singing behind Simon in the chorus. However, it turns out that the subject is actor Warren Beatty.
    1975 - For the first time in U.S. history, a woman, Betty S. Murphy is named chair of the National Labor Relations Board, the first woman member of the board. On this same day, for the first time in U.S. history, a woman, Ella Grasso of Connecticut, takes office as the first woman governor elected in her own right.
    1975---Top Hits
Fire - Ohio Players
You're No Good - Linda Ronstadt
Boogie on Reggae Woman - Stevie Wonder
Then Who Am I - Charley Pride
    1982-- Cher makes her Broadway debut in Come Back To The Five And Dime, Jimmy Dean, Jimmy Dean.
    1983---Top Hits
Africa - Toto
Baby, Come to Me - Patti Austin with James Ingram
Shame on the Moon - Bob Seger & The Silver Bullet Band
Inside - Ronnie Milsap
    1986- The musical "Evita" ended its eight-year run in London. The show earned 32-million dollars and was performed 2,913 times during its run at the Prince Edward Theatre. Based on the life of former Argentine President Juan Peron and his wife, Eva, the show remained popular even at the height of the Falklands War between Britain and Argentina in 1982.
    1987 - A powerful storm produced blizzard conditions in the Great Lakes Region. Winds gusted to 86 mph at Janesville WI and Cleveland OH received 12 inches of snow. North winds of 50 to 70 mph raised the water level of southern Lake Michigan two feet, and produced waves 12 to 18 feet high, causing seven million dollars damage along the Chicago area shoreline. It was the most damage caused by shoreline flooding and erosion in the history of the city of Chicago
    1987- Nancy Lopez won the 35 th LPGA tournament of her career, the $200,000 Sarasota Classic, and earned induction into the LPGA Hall of Fame.
    1989 - A winter storm over California produced snow from the beaches of Malibu to the desert canyons around Palm Springs, and the snow created mammoth traffic jams in the Los Angeles Basin. Sixteen cities in the western U.S. reported record low temperatures for the date. Marysville CA reported an all-time record low reading of 21 degrees above zero.
    1990 - Unseasonably mild weather prevailed across the south central and eastern U.S. Twenty-two cities, including five in Michigan, reported record high temperatures for the date. The afternoon high of 53 degrees at Flint MI surpassed their previous record by ten degrees, and the high of 66 degrees at Burlington IA exceeded their old record by eight degrees.
    1991---Top Hits
The First Time - Surface
Gonna Make You Sweat (Everybody Dance Now) - C & C Music
Factory featuring Freedom Williams
Play that Funky Music - Vanilla Ice
Daddy's Come Around - Paul Overstreet
    1996- the National Football League approved the transfer of the Cleveland Browns to Baltimore. Owner Art Modell agreed to leave the team's nickname and colors in Cleveland and later decided to call his team the Ravens. The NFL awarded Cleveland an expansion franchise in 1998.
    1997-The Detroit Red Wings defeated the Pittsburgh Penguins, 6-5, in overtime, to make Coach Scotty Bowman the first NHL coach to reach the 1,000-win plateau.
    2000---Top Hits
I Knew I Loved You- Savage Garden
Thank God I Found You- Mariah Carey Featuring Joe
Columbia
What A Girl Wants- Christina Aguilera
Get It On Tonite- Montell Jordan
    2002 -XIX Winter Olympics opens in Salt Lake City UT/Québec City.
    2005-Burton Cummings and Randy Bachman, core members of The Guess Who, were inducted into the Canadian Songwriters Hall Of Fame. The band placed 13 songs in the Top 40 of the Billboard Hot 100 between 1965 and 1974. Cummings added 2 more as a solo artist and Bachman contributed 7 others with Bachman-Turner Overdrive.
    2010-Nielsen SoundScan reported that since Steven Tyler started appearing on American Idol on January 19th, sales of Aerosmith's Greatest Hits collections have shot up more than 250%