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Leasing News is a web site that posts information, news, and
entertainment for the commercial bank, finance and leasing industry

kitmenkin@leasingnews.org
   


Title/Reg Manager
Chicago, Illinois


Experience dealing with multiple states for
all types of vehicle classes required.

Come grow with us

Contact: Michael Testa 312-881-3133 mtesta@secondcityleasing.com

www.secondcityleasing.com
Financing for Commercial Truck & Trailer, Exotic, High Line, Vintage & Classic Automobiles, Taxi, Livery & Paratransit



Monday, January 26, 2015


Today's Equipment Leasing Headlines

Update--Balboa Files: "It was an Operating Lease"
   By Tom McCurnin and Frank Peretore
Classified Ads---Legal
Top Stories:  January 20 - January 23
Opened Most by Readers of Leasing News
Marlin Near Hitting Year-end Low
   $16.87
African-American Bank Closes in Chicago
 From $11.8 Million Net Worth 2008 YE to $874,000 YE 2014
Leasing Industry Ads---Help Wanted
“NO Cheating on your Resume or Application”
    Career Crossroad---By Emily Fitzpatrick/RII
CLFP Adds New 1 CLFP; Announces Reduced Exam Price
Leasing 102 by Mr. Terry Winders
“Sale-Lease Back Issues”
Leasing News Advisor
   Steve Crane, CLFP
Screen Resolutions Affect What You See
Leasing News Icon for Android Mobile Device
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Labrador Retriever Mix
Mesquite, Texas  Adopt-a-Dog
Accounting/Aircraft/Appraisals
   Classified Ads
News Briefs--- 
ELFA Reports $12.9 Billion December, 2014
  Compared to $6.8 Billion November, 2014
New York May Get Three Feet of Snow Starting Monday
In China, loans to leasing firms stoke bad debt risks at mainland banks
  GE cutting jobs in oil industry unit
Chesswood Group Ltd (CHW) Announces Monthly Dividend of C$0.07
Henry Schein expands practice transition services, acquires ADS Florida LLC
 Reinsurers Axis Capital, PartnerRe to merge in $11B deal
  Silver’s law firm rakes in millions from judges he controls

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Top Ten Stories Chosen by Readers | Top Stories last six months

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[headlines]

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Update--Balboa Files: "It was an Operating Lease"
By Tom McCurnin and Frank Peretore

Texas Court Misunderstood Nature of a True Lease and Article 2A

Balboa Capital v WCS Lending  2014 WL 4956459 (N.D.Tex.)

We hate it when judges misunderstand the nature of a true lease and then try to apply equitable solutions to a perfectly ordinary concept. In a true lease, the lessor gets to have rent and keep the equipment after the lease term is over.

In today’s case, the lessee signed a lease which was intended as a true lease, and then defaulted. The court thought it was unfair to allow the lessor money damages and possession of the equipment, because that would have been a double recovery. No, your honor, that’s exactly what is supposed to happen in in a true lease. The facts follow.

The lease was originally written by VAR Resources LLC (F/k/a VAR Resources, Inc., Texas, and then discounted to Balboa Capital Corporation, California. It was written to WCS Lending, LLC, 951 NW 51st Street, Suite 150, Boca Raton, Florida, and appears to be for 15 HP Elite notebooks, 15 lap top case, 50 HP 3500 computers, 30 monitors, 30 dual desks, and misc. items (no software noted). (1)

“VAR Resources, Inc, 2330 Interstate 30, Mesquite, Texas. Founded 1988, VAR Resources provides financing for computer hardware and software to businesses in the United States. Founded in 1988, our Account Managers have an expertise pertaining to the IT Channel.
https://www.linkedin.com/company/var-resources-inc.

“Established over 10 years ago, WCS Lending is a mid-sized nationwide mortgage banker that has won Inc. 500 recognition for America's Fastest Growing Private Companies from 2009-2011, and is ranked among the top 10 privately held mortgage bankers in the country.”
https://www.linkedin.com/company/wcs-lending

WCS Lending web site states they do not have an office in Texas, and appears the case is filed here due to it originally being written by VAR Resources, located in Texas as Balboa Capital documentation mentions California.(1)

Balboa Capital became lessor, taking over the VAR master lease (1) on a 36 month “fair market value” residual lease at $2,034.25 per month to lessee WCS Lending in 2013. There was no purchase option letter produced, and the master lease called for return of equipment. (2) Soon thereafter, the lessee defaulted, and the lessor filed suit against the company’s registered agent in Texas. There does not appear to be a personal guarantee as the only named Defendant was WCS Lending, LLC. (There is no record of service to WCL Lending headquarters in Florida.) The lessee didn’t answer the complaint and a default was entered against the lessee.

The lessor moved for default judgment requesting monetary damages of $ 88,592.82 (3)

"Past Due Lease Payments     $32,313.15
(15 months x $2.154.21/month)
Present value of remaining Lease payments: $31,211.72
(15 payments of $2,154.21 discounted to Present value at a per annum rate of 6%)
Sales tax on discounted Lease Payments  $1,872.70
Late Charges: $430.84
Property Insurance:  $785.20
Fair Market Value of Equipment: $12,000.00
Sales Tax on Fair Market Value of Equipment    $720.00
Subtotal     $79,333.61
Interest from 8/15/13 through 10/15/14
($79,333.61 x 10% = $7,933.36 ÷ 365 = $21.74 per day)
426 days x $21/84 per day)  $9,259 21
TOTAL: $88,592.82"

The court thought that giving the Lessor money damages and possession of the equipment would be a double recovery under Article 2A.

Article 2A has three remedies provisions at Sections 527, 528 and 529. Only Section 529 can, in limited circumstances, none of which were present here, prohibit the lessor from obtaining both the lease balance and possession of the equipment in a true lease situation.

The court cited another UCC provision, § 1-305 which interestingly enough states that the remedies in the Code should be liberally construed to put the aggrieved party in as good a position as the party would be in, had the other party not breached.  For a lease intended as security (a loan), that might preclude getting a lessor’s lease balance and possession. But for a true lease, where the equipment is to be surrendered at the end of the lease term, the lessor would always be entitled to possession and the lease balance. So why the District Court cited this provision remains a mystery. We can only speculate that the Court applied Article 2A in a vacuum without any analysis as to the fact that in a true lease context, the Lessor was indeed entitled to possession and rent.

At press time, according to Pacer (Public Access to Court Electronic Records), WCS has not responded nor chosen an attorney. The issue has not be addressed as if the original lease was a “capital lease" with a side letter purchase option or one stated in the original proposal from Balboa Capital. They also did not state whether this was a discounted lease to Balboa Capital from VAR Resources and therefore is this an “operating lease” in the eyes of the IRS?  According to court filed documents, the lease is claimed by Balboa Capital to be a “true lease.”

What are the lessons here for the equipment lessor?

First, consultation with local counsel as to the standard remedies in the form lease might be appropriate before entering into such an equipment lease. 

Second, perhaps the lessor might have considered a pre-judgment replevin and sold the equipment before seeking a monetary damage award, so as to avoid the “double recovery” issue altogether. But that said, in a true lease, the lessor is entitled to possession and damages—it is not a double recovery.

Third, if the lessor is seeking to enforce a lease for monetary damages and possession of the equipment, lessor’s counsel should be aware of decisions like these and prepared to educate the court on the nature of a true lease.  The lessor is entitled to possession and damages and it is not a double recovery.

The bottom line is that with true leases Article 2A allows the equipment lessor to have its cake and eat it too, getting all accrued rentals, plus the present value of future rentals, and possession of the leased equipment so long as the facts and law are properly presented and analyzed. 

  1. VAR Resources Documents/Original Complaint
    http://www.leasingnews.org/PDF/VARResource_2015.pdf
  2. WCS Master Lease 
    http://www.leasingnews.org/PDF/WCSMaster_2015.pdf
  3. Balboa Claim on Operating Lease
    http://www.leasingnews.org/PDF/BalboaClaim_2015.pdf

West Law Balboa Case Default
http://www.leasingnews.org/PDF/BalboaDefault_2015.pdf

Tom McCurnin is a partner at Barton, Klugman & Oetting
in Los Angeles, California. Frank Peretore is the principal at Peretore & Peretore, P.C. in Sparta, New Jersey


Tom McCurnin
Barton, Klugman & Oetting
350 South Grand Ave.
Suite 2200
Los Angeles, CA 90071
Direct Phone: (213) 617-6129
Cell (213) 268-8291
Email: tmccurnin@bkolaw.com
Visit our web site at www.bkolaw.com

Previous Tom McCurnin Articles:
http://www.leasingnews.org/Conscious-Top%20Stories/leasing_cases.html



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Classified Ads---Legal

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

San Diego , CA 
Experienced in-house corporate, equipment leasing and financial services attorney seeks position as managing or transactional counsel. Willing to relocate.
Cell Phone: 760-533-4058;
Email:marshallrosenberg@gmail.com | Resume


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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Top Stories:  January 20 - January 23
Opened Most by Readers of Leasing News

(1) Warren Capital, Novato, California Closed Employees Reportedly Let Go
http://leasingnews.org/archives/Jan2015/1_20.htm#warren

(2) New Bulletin Board Complaint
Integrity Financial Groups, Alpine, Utah
http://leasingnews.org/archives/Jan2015/1_23.htm#ifg

(3) Texas Court Holds Balboa Capital May Not Obtain Judgment for Lease Balance & Be Awarded Possession of Equipment at the Same Time
Texas Court Misunderstood Nature of a True Lease and Article 2A
By Tom McCurnin and Frank Peretore
http://leasingnews.org/archives/Jan2015/1_23.htm#texas

(4) New Hires---Promotions in the Leasing Industry
http://leasingnews.org/archives/Jan2015/1_23.htm#hires

(5) Maricle Found Guilty in Not Returning Advance Fees Appears to be Third Time
http://leasingnews.org/archives/Jan2015/1_20.htm#maricle

(6) Owners of failed Chicago bank must come up with another $50 million
http://www.chicagobusiness.com/article/20150117/ISSUE01/301179976/
owners-of-failed-bank-must-come-up-with-another-50-million
 

(7) Correction---2015 Leasing Conferences
http://leasingnews.org/archives/Jan2015/1_20.htm#correction

(8) Bryan S. Gunn Accused $1MM Fraud in Heavy Equipment Leasing Co.
http://www.oregonlive.com/portland/index.ssf/2015/01/
feds_allege_portland_fraud_sus.html

(9) Leasing 102 by Mr. Terry Winders, CLP
Identification, Personal Property
http://www.oregonlive.com/portland/index.ssf/2015/01/
feds_allege_portland_fraud_sus.html

(10) OnDeck Launches Marketplace for Institutional Investors
http://bankinnovation.net/2015/01/ondeck-launches-marketplace-for-institutional-investors/

 



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Marlin Near Hitting Year-end Low
$16.87

Marlin Business Service Corp (NASDAQ:MRLN) came close to hitting its low for the year, closing Friday at $16.87. Volume was 28,122 with bidding at $16.76. The 52 week range has been $16.70 - $28.97. On Wednesday, TheStreet lowered shares of Marlin from a buy rating to a hold rating.

Could it be from Executive Salaries?
Daniel P Dyer $1,223.982
http://www1.salary.com/Daniel-P-Dyer-Salary-Bonus-Stock-Options-for-MARLIN-BUSINESS-SERVICES-INC.html
Edward J. Siciliano $712,175
http://www1.salary.com/Edward-J-Siciliano-Salary-Bonus-Stock-Options-for-MARLIN-BUSINESS-SERVICES-INC.html
Lynne C. Wilson $541,347
http://www1.salary.com/Edward-R-Dietz-Salary-Bonus-Stock-Options-for-MARLIN-BUSINESS-SERVICES-INC.html
Edward R. Dietz $406,825
http://www1.salary.com/Edward-R-Dietz-Salary-Bonus-Stock-Options-for-MARLIN-BUSINESS-SERVICES-INC.html

Or are Evergreen Clause leases catching up:
http://www.leasingnews.org/Conscious-Top%20Stories/Marlin_Leasing_2008.htm

 

 

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African-American Bank Closes in Chicago
From $11.8 Million Net Worth 2008 YE to $874,000 YE 2014

The three offices of Highland Community Bank, Chicago, Illinois, were closed with United Fidelity Bank, FSB, Evansville, Indiana, to assume all of the deposits. Established November 9, 1979, the bank had 27 full time employees at their three offices in Chicago.  In 2006, they had 43 full time employees.

The bank is one of the three black-owned banks left in Chicago. The two remaining are Seaway Bank & Trust Co. and Illinois Service Federal Savings & Loan Association of Chicago, both on the South Side.  There have been other minority owned banks in Chicago and elsewhere that have failed in the last few years as they struggle as their neighborhoods have been hit hard and have had great difficulty in recovering economically.

The problems seem to hit in the year 2009 with the FDIC and Illinois Department of Financial Professional Regulations issuing a "Cease-and-Desist" order on September 9th, stating the bank's unsafe lending practices include failure to obtain adequate collateral and failure to enforce adequate loan repayment programs, as well as requiring the bank to boost its reserves for loan losses.
http://www.blackenterprise.com/news/regulators-issue-cease-and-desist-order-to-chicago-bank/

Year-end 2009 net worth was $8.5 million, down from from $11.8 million in 2008. Net profit went from positive to minus $3 million,
charge offs from $177,000 the year before to $1.3 million, and worse
of all the non-current loans got worse, from $8.4 million to $10.1
million.

The Cease and Desist was too late as the numbers below show the downward descent of the bank:

Tier 1 risk-based capital ratio  3.56% 

(in millions, unless otherwise)

Net Equity
 
2006
$10.4
2007
$11.0
2008
$11.8
2009
$8.5
2010
$6.5
2011
$5.1
2012
$3.0
2013
$1.0
2014
$874,000
 
Profit
 
2006
$13
2007
$52
2008
$620,000
2009
-$3.0
2010
-$1.7
2011
-$1.6
2012
-$2.2
2013
-$1.4
2014
$596,000
 
Non-Current Loans
 
2006
$297,000
2007
$3.5
2008
$8.4
2009
$10.1
2010
$7.6
2011
$7.4
2012
$4.9
2013
$2.9
9/30
$3.1

Charge Offs

2006  $50,000 ($61,000 commercial/industrial, -$8,000 lease rec., -$3,000 individuals, -3,000 other)
2007  $34,000 ($34,000 individuals)
2008  $177,000 ($250,000 commercial/industrial, -$53,000 1-4 family, -$20,000 individuals
2009   $1.3  ($1.2 construction/land,$134,000 commercial/ind, -$93,000 individuals)
2010   $3.2  ($2.4 construction/land), $428 Commercial/ind., $30,000 individuals, $12,000 nonfarm/nonr.)
2011  $139,000 ($208,000 1-4 family, $77, commercial/ind., $8,000 individual,-$154,000 const./land)
2012   $3.4 ($1.9 construction/land, $$681,000 commercial/ind., $525,000 1-4 family, $50,000 multifamily,  -$3,000 individuals)
2013   $1.2  ($626,000 commercial/ind., $362,000 1-4 family,
   $213,000 nonfarm/nonres., -$4,000 indiv)
2014  $319,000  ($302,000 5 or more Multi-family, $8,000 1-4 multifamily,  $6,000 commercial/industrial, $3,000 non-farm/nonresidential

Construction and Land, 1-4 family multiple residential, Multiple Family Residential, Non-Farm Non-Residential loans.

Tier 1 risk-based capital ratio  3.56% as of December 31, 2014.  

As of December 31, 2014, Highland Community Bank had approximately $54.7 million in total assets and $53.5 million in total deposits. In addition to assuming all of the deposits of the failed bank, United Fidelity Bank, fsb agreed to purchase essentially all of the assets.

The FDIC estimates that the cost to the Deposit Insurance Fund (DIF) will be $5.8 million.

National Bankers Association-
African-American Bank
http://www.leasingnews.org/PDF/AfricanAmericanBank_2015.pdf

FDIC Press Release:
https://www.fdic.gov/news/news/press/2015/pr15007.html

List of Bank Failures:
http://www.fdic.gov/bank/individual/failed/banklist.html

Leasing News Bank Beat:
http://www.leasingnews.org/Conscious-Top%20Stories/Bank_Beat.htm

 


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Leasing Industry Help Wanted

Title/Reg Manager
Chicago, Illinois


Experience dealing with multiple states for
all types of vehicle classes required.

Come grow with us

Contact: Michael Testa 312-881-3133 mtesta@secondcityleasing.com

www.secondcityleasing.com
Financing for Commercial Truck & Trailer, Exotic, High Line, Vintage & Classic Automobiles, Taxi, Livery & Paratransit


 

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.


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"NO Cheating on your Resume or Application"
Career Crossroad---By Emily Fitzpatrick/RII

In any job search, honesty is a necessity. ALL information contained within a resume and formal application MUST be truthful; do not overstate your job duties, accomplishments, compensation, or education in any part of the interview process. Additionally, if there are employment gaps in your career history include these gaps in your resume/application and be prepared to explain them.

Being honest and possessing integrity is a trait all companies seek and is often one of the behavior profiles examined in potential employees. One slip and you will be immediately removed from any candidacy now and in the future.

In today’s technological world the reality that one can get away with faking anything, e.g. a degree or skill set, is next to impossible. Human-Resource executives, recruiters, and hiring managers are trained to keep an eye out for inconsistencies in education, experience, skills and references. Applications are also important; leaving any section of your application blank is a red flag to a potential employer. Fill out all areas of the application even if an answer does not favor you or put you in the best possible light, e.g. being fired (learn to turn a negative into a positive).

An active job seeker can be proactive and ensure confidence by providing tangible evidence of information contained within a resume and/or application. Provide proof of success and education by including as much detail as possible, for example: 

  • Education – include years of attendance
  • Certification / Training -  years received and full name of course / location
  • Compensation – copies of W-2’s, make sure numbers on application are consistent
  • Work gaps – account for every year since entering the workforce
  • Make sure information contained in your resume matches the application (e.g. dates)  

If you find you made an error / mistake or failed to update your resume before submitting, take responsibility, and let the employer know. 

Emily Fitzpatrick
Sr. Recruiter
Recruiters International, Inc.
Phone:  954-885-9241
Cell:  954-612-0567
emily@riirecruit.com
Invite me to Connect on LinkedIn
www.linkedin.com/pub/emily-fitzpatrick/4/671/76
Also follow us on Twitter #RIIINFO

Career Crossroads Previous Columns
http://www.leasingnews.org/Conscious-Top%20Stories/crossroad.html


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CLFP Adds New 1 CLFP; Announces Reduced Exam Price

Teresa Billick has attained the Certified Leasing and Finance Professional designation.

She is an independent equipment finance broker in the Southern California area.
  www.linkedin.com/pub/teresa-billick/51/958/616


Announces Reduce Exam Price


Bob Fisher, CLFP
Senior Vice President,
Business Development for Ascentium Capital
Vice President of the CLFP Board of Directors

"In celebration of the 30th Anniversary of the CLFP (previously CLP) designation, the Foundation has decided to roll back the exam price to the price it was thirty years ago for 2015 only," Bob Fisher, CLFP, Vice President of the CLFP Board of Directors, announced. "Take advantage of the price reduction to earn your CLFP designation; the cost this year is only $550.00."

Prerequisites:
http://www.clpfoundation.org/requirements.php

The CLFP designation identifies an individual as a knowledgeable professional to employers, clients, customers, and peers in the equipment finance industry. There are currently 229 Certified Lease & Finance Professionals and Associates throughout the world. For more information, call Reid Raykovich, CLFP at (206) 535-6281 or visit www.clfpfoundation.org.

((Please Click on Bulletin Board to learn more information))
(Leasing News provides this ad “gratis” as a means
to help support the growth of Lease Police)

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(Terry retired January 1, 2015. To honor him and his many years of writing for readers of Leasing News, in the next few months we will bring up columns he has written that are still meaningful today--as most of them are. - Editor)

Reprinted from December 18, 2006

Sale-Lease Back Issues


Sale-lease back is a lease where the equipment is purchased from the Lessee instead of an equipment vendor. The Lessee retains the possession and use of the equipment, after the sale, but surrenders legal title and ownership to the Lessor. An appraisal of the equipment is necessary to show the Lessor is acquiring the asset(s) at its then Fair Market Value to avoid “fraudulent connivance claims” from other creditors.

When the Asset is sold to the Lessor it must be free of liens requiring the Lessor to check for liens recorded on financing statements (UCC-1) in the State where the lessee has registered his Charter papers and then you should require proof of purchase from the Lessee to establish their clear ownership.

The Lessee will have an accounting effect and an income tax effect from the sale of a Capital Asset.

The income tax effect will require some investigation. If there is a gain on the sale, which means the sale amount is greater than the "undepreciated" tax balance, some of the cash from the purchase price will go for income tax called recapture. On rare occasions, if it sells for more than the original purchase price, any proceeds over the original price will be taxed at the Capital Gains rate while the recapture will be at the standard tax rate.

The after tax cash, from the sale, will improve both cash and the net worth of the Lessee on their balance sheet. In addition the present value of the rent stream from your sale lease-back lease will be placed on the balance sheet as a Leased asset and a Lease liability.

A Sale-Lease back usually only occurs for two reasons: First, the Lessee is an acceptable credit and is suffering from a bad economic year and needs to increase profits. The Sale-Lease back of assets that have a value greater than book value will create a gain and may lift profits from negative earnings to positive earnings. This may shelter some of the gain lowering the tax effect. In any event the company will show a profit that year instead of losses, but it comes from a sale of assets and not operations.

Second, a Lessee may be wishing to sell or merge with a company that could increase its capabilities. The merger price may fail to recognize the assets that have been depreciated off the books so a Sale-Lease Back brings the value back on the books in the form of cash (if the tax effect is not too harsh). Also, the case of a Capital Lease for accounting purposes the Lease Liability and the Leased Asset are placed on the balance sheet for a double effect considering the cash and net worth also increased the balance sheet.

In both circumstances, the Lessee does not lose the use of the equipment.

In a Sale-Lease back, the lessee has to look to the cost. If assets are free and clear of liens then they could use it as collateral and borrow any required cash for operations. In a sale lease-back the gains and the tax effect plus the sales tax on the rentals may make it a very expensive way to borrow cash. Therefore a Sale-Lease back to raise cash is a very poor reason, but it is the one we hear most often.

Previous #102 Columns:
http://www.leasingnews.org/Conscious-Top%20Stories/Leasing_102/Index.htm 

 



Receivables Management LLC

John Kenny

• End of Lease Negotiations & Enforcement 
• Fraud Investigations
• Credit Investigations • Asset Searches 
• Skip-tracing • Third-party Commercial Collections
(For Flat Fee or Commission Basis) 

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)

 

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Leasing News Advisor 
Steve Crane, CLP



Steve Crane, CLP is an original member of the Leasing News Advisory Board, joining in July of 2000. He recently joined BSB Leasing as Vice-President and Manager of BSB's newly created Commercial Division, providing funding to brokers for financial statement transactions. Previously he was Vice President & Marketing Manager, Indirect Equipment Lease Origination, Bank of the West. During his career he has held positions at Westinghouse Credit, Ingersoll Rand Financial, CIT, and Taylor Financial. “I have known Kit Menkin for almost 30 years, going back to the CIT and Taylor Financial days of my career and am happy to be a part of The Leasing News Advisory Board.”



Steve Crane, CFLP
Vice President & Commercial Division Manager
BSB Leasing, Inc.
1 Inverness Drive East
Englewood, CO  80112
scrane@bsbleasing.com   
303-376-4668
Fax: 303-329-0240
www.bsbleasing.com

Steve and his wife Cheryl have two sons, Ryan, who is a firefighter in the San Jose area, and Alex, who recently graduated from The University of Oregon and is applying to medical school. Steve and Cheryl are big college football fans and enjoy traveling to games with their sons.


Ryan, Steve, Alex

An avid outdoorsman, Steve enjoys backpacking, skiing, sailing, golfing and endurance sports. Since his sons have left the house he has more time on his hands and has taken up the sport of triathlon. Steve has competed in numerous Olympic and Half Ironman distance races and completed two Full Ironman races, including the inaugural Ironman Los Cabos.


Steve enjoys his work and is looking forward to many more years of participating on the Leasing News Advisory Board and the equipment financing industry



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Screen Resolutions Affect What You See

Most readers do not realize the resolution size to which they have set their monitor set for will change the size of what is sent; meaning you may not be viewing the original size.

To properly measure size on the internet often the "pixel" size is utilized. Inches and meters don't work, nor do "pica" as for printed newspapers.

As a rule of thumb, the lower the number, the larger the graphics, including fonts will appear, but are not as sharp as the higher the number. In fact, the higher the number, the clearer and perhaps brighter the picture will appear on your screen. All operating systems also have ability to make changes. A graphic driver makes a big difference, and the better the quality they produce, the more expensive they are. 

There are software programs, such as Liquid View and Pivot that can change the font appearance, without adjusting the screen size, as well as offering other features, such as color enhancement; available at www.portrait.com

To view where you are among monitor size users, please go here:
http://marketshare.hitslink.com/report.aspx?qprid=17

There are two styles of monitors: Landscape and Portrait. Leasing News is constructed on Portrait monitors, originally designed for a hand held device.

 

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Leasing News Icon for Android Mobile Device


As an icon works on a computer, this one connects to www.leasingnews.com, which is designed for a portrait reading, versus a landscape (but can be read either way). 

Open www.leasingnews.org in the mobile devicde, then click the link to download the icon. Your mobile device has a download section, as your computer does, find the .apk file and open it. It will be placed with all icons and you can drag it to your face or page you want on your mobile device. 

You can also copy and email it to your email program on your mobile device, and download direct (you can also ask us to email to you, which you can download).

ICON Link

 

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Labrador Retriever Mix
Mesquite, Texas  Adopt-a-Dog


Arias "16"
Animal ID: 24792085
Age: 11 years 8 days
Sex: male
Size: Medium
Color: Black
Declawed: No
Housetrained: Unknown
Site: Mesquite Animal Services
Intake Date: 1/17/2015

"Meet Arias, a retriever lab mix who has been surrendered at the age of 11 years old by his owner. Arias appears to be house trained, is curious about his environment, likes to be petted and has an easy-going and mild personality. You might say this old boy is "chill." He is available to be rescued or adopted right now."

City of Mesquite
Animal Services
1650 Gross Road
Mesquite, TX 75149
Ph: 972-216-6283

Hours
Monday - Friday 11 a.m. - 5:30 p.m.
Saturday 1 - 5:30 p.m.

 

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

 

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Accounting/Aircraft/Appraisals

Appraisals: Boston, MA
Nationwide appraisals, remarketing, audits, inspections and more! Over 15-years industry experience and dedicated to deliver personal, prompt, professional services. 
Call Chris @ 508-785-1277. 
Email:
chris@dovermanagementgroup.com
 

   

Appraisals: National Equipment Appraisal prepares Certified Machinery and Equipment Appraisals. IRS qualified, USPAP Compliant. Nationwide - fast turnaround.
Visit 
nationalequipmentappraisal.com
 or
call 714-282-1525.
Accounting: Dallas, TX
Provide cost effective Sales and Use Tax and Property Tax consulting and administration Services to the leasing industry. Many leasing industry referrals available.
E-mail: mattm@osgsolutions.com 
Accounting: National Property Tax Compliance Services to the leasing industry. Over 60-years experience and fifty Lessors as clients. References and free quotes available, (216) 658-5618,
E-mail gary@avptc.com 
  
Aircraft Delivery: Seattle, WA 
Global Aircraft Delivery ferries all types of aircraft all over the world. We are a unique ferry company moving your aircraft with our expert turnkey operation.
globalaircraftdelivery.com 
info@globalaircraftdelivery.com
Asset Management: Canada 
Cease Bailiff Services Incorporated:
Asset Investigation/Tracing; Asset Recoveries; Asset Protection/Security
Asset Liquidations/Sales; Ottawa, Canada;www.ceasebailiff.ca dave@ceasebailiff.ca; Phone 613 898 7376 ; Fax 613 225 2452

Asset/Recovery & Collections:
Charlotte, NC
IRTC Continencies: Commercial Collections-Skip Trace- Repossessions-judgment enforcement-Investigations- Asset Re-marketing& No Cost Warehousing East Coast USA. Call 336-877-3077 ask for Robert or
E-mail to Robert@mbsfinancial.com

Nationwide Seasoned anfair priced workforce is at your service for all lease collections, repossessions, and asset liquidations, appraisals.  Call Nassau Asset Management800-462-7728   dcastagna@nasset.com  

Asset/Recovery: NorthWest 
Sequent provides collateral recovery, remarketing, and storage services to lenders with assets located in the greater Pacific Northwest. Professional services at reasonable pricing. Contactrossr@sequentam.com
Asset Marketing/Recovery: Remarking solutions for big rigs assets and trucking related companies including collections, recovery, repair and re-sales. North South Leasing cell # 586-909-8797bob@nsleasing.com
Appraisals/Asset Recovery
Melville, New York
Auctions, Appraisals, National Repossessions.  ALL asset classes. 20+ year team works for you. Spend less, Net More… Fast!
Ed Castagna 516-229-1968ecastagna@inplaceauction.com
Appraisals/Inspections – Construction & Mining Heavy Equipment, Transport, Agriculture and Manufacturing. We provide Certified Appraisal Reports, (USPAP Compliant), Inventory Inspections, Collateral Valuation, VIN and Serial Number Verification with Detailed Photos, Lessee and Vendor Site Inspections including Customized Inspections. In a Hurry? Try our Kwik-Kwote 
Email
www.MobileEquipAppraisals.com

 


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News Briefs----

ELFA Reports $12.9 Billion December, 2014
Compared to $6.8 Billion November, 2014
http://www.reuters.com/article/2015/01/23/usa-economy-elfa-idUSL4N0V255U20150123



New York May Get Three Feet of Snow Starting Monday
http://www.bloomberg.com/news/2015-01-25/new-york-northeast-may-get-snow-by-the-foot-starting-monday.html
http://www.nydailynews.com/new-york/weather/potentially-historic-blizzard-set-blanket-new-york-article-1.2091166

In China, Loans to leasing firms stoke bad debt risks at mainland banks
http://www.scmp.com/business/china-business/article/1691682/loans-leasing-firms-stoke-bad-debt-risks-mainland-banks

GE cutting jobs in oil industry unit
http://www.stamfordadvocate.com/business/article/GE-cutting-jobs-in-oil-industry-unit-6036062.php

Chesswood Group Ltd (CHW) Announces Monthly Dividend of C$0.07
http://tickerreport.com/banking-finance/394664/chesswood-group-ltd-chw-announces-monthly-dividend-of-c0-07/

Henry Schein expands practice transition services, acquires ADS Florida LLC
http://www.dentistryiq.com/articles/2015/01/henry-schein-expands-practice-transition-services-acquires-ads-florida-llc.html

Reinsurers Axis Capital, PartnerRe LTD. to merge in $11B deal
http://www.stltoday.com/business/local/reinsurers-axis-capital-partnerre-to-merge-in-b-deal/article_d5826262-c2e9-51f5-a44b-c601fce18596.html

Silver’s law firm rakes in millions from judges he controls
http://nypost.com/2015/01/25/silvers-law-firm-rakes-in-cash-as-asbestos-court-fast-tracks-claims/


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--You May Have Missed It

Blake Shelton on 'SNL': 3 Sketches You Have to See
http://www.rollingstone.com/tv/videos/blake-shelton-on-snl-3-sketches-you-have-to-see-20150125



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SparkPeople--Live Healthier and Longer



Study: The Hungrier You Are, the More Certain Foods Appeal to You
http://www.sparkpeople.com/blog/blog.asp?post=
your_hunger_level_makes_certain_foods_more_appealing


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Football Poem

New England Patriots to Win 2015 Super Bowl

Breaking too many records to believe
All their opponents could do was grieve
Even when they played at their very best
They still came up short when put to the Patriot test

The leader was accused of being a cheater
A former protégé turned on his teacher
Charged with a sin that others practiced too
The leader bit his tongue and tended his champion brood

Starting by punishing the turncoats men
Moving on to trash a team they would play again
The next few victims hopelessly demolished
While the 60 Minute Men looked perfectly polished

Halfway through they beat the second best
An old nemesis finally put to rest
Talking heads started to yak of history being made
Ignored by these men they just went out and played

They played hard and they played tough
Smash mouth football when they needed it rough
They played soft with splendid finesse
Crushing the worst and the beating the best

Working their way to a perfect season
The perfect record was not the reason
They clawed and scratched toward one ultimate goal
To play the big game, the Super Bowl

While others talked trash spouting at the mouth
With quiet confidence they were chewed up and spit out
Parity, Salary caps, regulations to create equality
Rules that to this team are a mere frivolity

So it has been written, so it shall be done
History is being made the Pats are number one
Love them, hate them, or ignore them, you will see
The New England Patriots have a date with Destiny



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Sports Briefs----

Ernie Banks suffered heart attack
http://espn.go.com/chicago/mlb/story/_/id/12226499/ernie-banks-died-suffering-heart-attack-family-says 

Ohio offensive lineman becomes third U-M Harbaugh commit
http://www.freep.com/story/sports/college/university-michigan/wolverines/2015/01/25/michigan-football-recruiting/22314997/

The Pundits Might Not Like Belichick’s Response, But They Can’t Argue the Facts
http://www.patsfans.com/ian/blog/2015/01/25/belichick-fighting-back-a-massive-moment-in-patriots-history-and-one-for-the-ages/ 

Pete Carroll says he can 'empathize'
http://espn.go.com/nfl/playoffs/2014/story/_/id/12227841/pete-carroll-seattle-seahawks-new-england-patriots-ready-deflategate

A Seamstress Who Handed Off to the N.F.L. for 48 Years http://www.nytimes.com/2015/01/22/sports/football/new-england-patriots-scandal-from-afar-a-retired-football-maker-says-wilson-did-its-job.htm


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California Nuts Briefs---

Zoning board turns down Guy Fieri’s proposed winery
http://www.pressdemocrat.com/news/3406459-181/zoning-board-turns-down-guy

Detectives find rare wine stolen from French Laundry
http://www.pressdemocrat.com/news/3422978-181/detectives-find-rare-wine-stolen

Coastal District Fights California Over Water
http://www.courthousenews.com/2015/01/23/coastal-district-fights-california-over-water.htm

A creative new chapter in California’s doughnut story
http://www.sacbee.com/food-drink/restaurants/article7961829.html

Port of Oakland dispute backing up Sonoma County shipments
http://www.pressdemocrat.com/business/3421198-181/port-of-oakland-dispute-backing

Commercial growers, Sacramento-area gardeners face possible headaches from warm afternoons, lack of rain
http://www.sacbee.com/news/local/article8109246.html



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“Gimme that Wine”

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

U.S. is top wine consuming country by volume, Italy leads per capita
http://www.nydailynews.com/life-style/eats/top-wine-consuming-country-volume-article-1.2088489

Vivino's People's Choice: Top 100 Wines Under $50
http://www.vivino.com/news/top100-under50

Pinot Noir drives Oregon wine economics
http://www.greatnorthwestwine.com/2015/01/21/pinot-noir-oregon-wine-economics/

Harvard buys up water rights in drought-hit wine country
http://www.gmanetwork.com/news/story/414400/economy/harvard-buys-up-water-rights-in-drought-hit-wine-country

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/

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


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This Day in American History

    
    1654 - Jews flee to the New World: approximately 150 Jewish families of Portuguese background fled the city of Recife, in Pernambuco, Brazil. By September, a number of these refugees had established the first community of Jews in the future United States.
http://memory.loc.gov/ammem/today/jan26.html
    1695 - Considered the first Workers’ Compensation agreement, Captain William Kidd of New York City, commander of the “Adventure Galley” of 787 tons burden, promised to distribute to the crew one-fourth of all booty captured on privateering expeditions. According to the agreement, “If any man should Loose a Leg or Arm in the said service, he should have six hundred pieces of Eight, or six able slaves; if any man should loose a joynt on the said service, he should have a hundred pieces of eight.”
    1700 – According to Japanese records, a magnitude 9 Cascadia Earthquake took place off the west coast of the North America.
    1776 - The first Catholic US Army chaplain was the Reverend Louis Eustace Lotbiniere, appointed by General Benedict Arnold to act as chaplain to the regiment of Colonel James Livingston in the Continental Army.
    1784 - In a letter to his daughter, Benjamin Franklin expressed his unhappiness over the choice of the eagle as the symbol of America. He wrote the bald eagle was "a Bird of bad moral character" who lived "by Sharping and Robbing," expressed regret it had been selected to be the U.S. national symbol. Franklin's choice: the turkey, "a much more respectable Bird and withal a true original Native of America."
    1788 - A shipload of convicts arrived briefly at Botany Bay, Australia, (which proved to be unsuitable) and then at Port Jackson (later the site of the city of Sydney). Establishment of an Australian prison colony was to relieve crowding of British prisons. A fleet of 11 ships lands in Port Jackson after sailing with the continent's first 1,030 English settlers, including 736 convicts. All told, England ships carried more than 160,000 men, women, & children in bondage to Australia in the largest forced exile of citizens by a European government in pre-modern history. Exiles landing today become known as the First Fleet. They are so unfit for survival in the new land that they live near starvation amid what is natural abundance to Aborigines. Most of the First Fleet convicts have never traveled more than 10 miles from their birth places. They saw the sea for the first time when they were clapped in irons & thrust onto the ships. All the convicts were transported for crimes against property. They include 70-year-old Elizabeth Beckford, who was exiled for stealing 12 pounds of Gloucester cheese. West-Indian Thomas Chaddick was sent to Australia after hunger drove him to steal cucumbers from a kitchen garden.  Australia Day, formerly known as Foundation Day or Anniversary Day, has been observed since about 1817 and has been a public holiday since 1838. Observed Jan 26 if a Monday, otherwise on the first Monday thereafter.
    1802 - Congress passes an act calling for a US Capitol library that would become known as The Library of Congress.
    1831 - Mary Mapes Dodge was born in NYC.  She was an American writer and edited ‘St. Nicholas Magazine’, one of the first periodicals for children. She is best known for her classic novel “Hans Brinker or The Silver Skates” (1865).  Dodge died in 1905.
http://wwwa.search.eb.com/women/articles/Dodge_Mary_Elizabeth_Mapes.html
    1837 - Michigan became the 26th state. Named Michigan after the American Indian word, Michigama, meaning great or large lake, Michigan borders four of the Great Lakes, and is divided into two peninsulas by the Straits of Mackinac that connect Lakes Michigan and Huron. The two peninsulas are recognized in the state motto: Si quaeris peninsulam amoenam circumspice. Michigan is nicknamed the Wolverine State and/or the Great Lake State. The state bird is the robin; the state flower: apple blossom; state tree: white pine; state fish: trout; state gem: Isle Royal Greenstone aka Chlorastrolite. This gemstone is the Petoskey stone. The state flag, which is blue, charged with the arms of the state, waves over the state capital of Lansing.
(Lower portion of: http://memory.loc.gov/ammem/today/jan26.html )
    1838 - The first alcohol prohibition law enacted by a state was passed by Tennessee. The bill, an “act to repeal all laws licensing tippling houses,” provided that “all person convicted of the offense of retailing spirituous liquors shall be fined at the discretion of the court” and that the fines and forfeitures be used for the support of common good.” It appears the law did not apply to wine or beer.
    1856 - Leschi, chief of the Nisqually & Yakama Indians, leads 1,000 warriors in an attack on the town of Seattle. The attack is repulsed by naval forces in the Puget Sound.
http://www.historylink.org/output.CFM?file_ID=1960
    1861 - Louisiana becomes the sixth state to succeed from the union. One of the growing reasons for the secession was the admittance of Kansas to the Union, officially on January 29, 1861, which entered as a “free state.” On February 4th, the Confederate States of America was formed at Montgomery, Alabama with Jefferson Davis of Mississippi as President and Alexander H. Stephens of Georgia as Vice President. Both were chosen on February 9th. The Confederate constitution specifically stated the reason for succession was to continue slavery, and on February 9th, the Confederate Provisional Congress asserted that all laws under the U.S. Constitution that were not inconsistent with the constitution of the Confederate states would not be recognized. The main issue was the Confederate government wanted to continue the ownership of human beings (Blacks were not the only race that were slaves or owned by others---in fact, during this period, there were many free Blacks who owned large plantations of both Creole and Black slaves. In Mississippi itself, there were many wealthy Black plantation owners.
    1863 – The 54th Regiment (Black) infantry was formed after Massachusetts Governor John A. Andrew received permission from the Secretary of War to raise a militia organization for men of African descent.
http://extlab1.entnem.ufl.edu/olustee/54th_MS_inf.html
http://www.afroammuseum.org/site1.htm
http://www.state.ma.us/statehouse/articles/54th_men.htm
http://www.54thmass.org/54hist.html
    1863 - General Joseph Hooker replaces Gen. Ambrose Burnside as head of Army of Potomac after the disaster at Fredericksburg.
http://www.civilwarhome.com/hookbio.htm
    1871 - US income tax repealed…dream on!!
    1875 - George F. Green, of Kalamazoo, MI, received a patent for “electro-magnetic dental tools” used for sawing, filing, dressing and polishing teeth. The patent was assigned to Samuel S. White of Philadelphia, PA. In practice, the engines were too heavy and the batteries too expensive for general use.
    1880 - Douglas MacArthur, General and Supreme Commander of Allied forces in Southwest Pacific during World War II, was born at Little Rock, AR.  He served as commander of the Rainbow Division's 84th Infantry Brigade in World War I, leading it in the St. Mihiel, Meuse-Argonne and Sedan offensives. Remembered for his "I shall return" prediction when forced out of the Philippines by the Japanese during World War II, a promise he fulfilled. He later became involved in politics, and had set up a committee to run for president. He was relieved of Far Eastern command by President Harry Truman on Apr 11, 1951, during the Korean War, after an incident regarding the landing of air craft and respect for the commander-in-chief.   This was the final act of insubordination tolerated by President Truman of MacArthur, who openly defied other Truman orders previously. MacArthur died at Washington, DC, Apr 5, 1964.
    1893 - Bessie Coleman was born at Atlanta, Texas.  She was America's first celebrated Black female pilot. Because of her race and gender, she was denied admission to aviation school programs in the US. In Paris, she received an international pilot's license in 1921. Upon return, "Queen Bess" took part in numerous acrobatic air exhibitions where her daring stunt-flying won her many admirers. She perished in a plane crash during a practice session at Jacksonville, Florida, April 30, 1926. Foul play was suspected due to both her race and gender.
    1907 - Congress passed a prohibition on corporations from contributing to candidates’ campaign funds in presidential and congressional races. An act passed on March 4, 1909 further prohibited national banks and corporations from making financial contributions to campaign funds in connection with any election to any political office.
    1893 - Birthday of violinist/Cajun music player Dennis McGee, Bayou Marron, LA.  He died in 1989.
http://www.cajunculture.com/People/mcgeedennis.htm
http://www.cajunfrenchmusic.org/biographies/mcgee-d.htm
http://www.yazoorecords.com/2012.htm
    1905 – Maria von Trapp was born in Vienna, Austria.  She was stepmother and matriarch of the Trapp Family Singers.  Her story served as the inspiration for a 1956 German film that in turn inspired the Broadway musical “The Sound of Music” (1959) and the 1965 film of the same name that starred Julie Andrews.  She died in Morrisville, VT in 1987.
    1908 - Jazz violinist Stephane Grappelli born Paris, France; died Nov, 1997.
http://www.artistdirect.com/music/artist/bio/0,,437799,00.html?artist=Stephane+Grappelli
http://www.cyberbites.com/marleys_ghost/grappelliobit.html
    1911 - Glenn Curtiss piloted the first successful seaplane in San Diego Harbor.
    1913 – Jimmy Van Heusen was born Edward Chester Babcock at Syracuse, NY. He was a composer of many popular songs with his lyricist partners Johnny Burke and Sammy Cahn. One of his 76 songs that Frank Sinatra recorded was "My Kind of Town." Van Heusen won four Academy Awards for songs in movies such as “Going My Way” (1944). He was inducted into the Songwriters Hall of Fame when it was founded in 1971. Van Heusen died Feb 7, 1990, at Rancho Mirage, CA.
http://www.jimmyvanheusen.com/
    1913 - Jim Thorpe wrote the chairman of the Amateur Athletic Union revealing he had played professional baseball in 1909 and 1910. He voluntarily returned the two gold medals for the decathlon and pentathlon he won in the 1912 Olympics in Stockholm, Sweden. Sixty years later, twenty years after his death, the AAU restored Thorpe’s amateur standing and the Olympic medals.
    1915 - Rocky Mountain National Park was established. Under President Woodrow Wilson, the area covering more than 1,000 square miles in Colorado became a national park.
    1915 – Actor William Hopper was born DeWolf Hopper, Jr. in NYC and was the only child of gossip columnist Hedda Hopper.  Hopper is best remembered for playing private detective Paul Drake in more than 250 episodes of television's “Perry Mason” and for his role as the father of the Natalie Wood character in “Rebel Without a Cause”.   He died in 1970 in Palm Springs, CA.
    1917 - Louis Silvie "Louie" Zamperini was born in Olean, NY.  He was a POW survivor in World War II, a Christian inspirational speaker, and an Olympic distance runner. Zamperini is the subject of two biographies and the 2014 film “Unbroken”.  A 1936 Olympian, he is still the youngest American qualifier ever in the 5,000 meters. A POW for two-and-a half years, he was beaten and tortured with fellow prisoners at several POW camps held by the Japanese in the Pacific.  He died on July 2, 2014.
    1918 - Birthday of science fiction writer Philip Jose Farmer in Peoria, IL.
http://www.pjfarmer.com/
    1920 - Former Ford Motor Co. executive Henry Leland launched the Lincoln Motor Company which he later sold to his former employer.
    1924 - Birthday of Calvin Ross (Cal) Abrams, baseball player born at Philadelphia, PA. Abrams played eight years in the major leagues and hit .269. He is most famous for this incident that I remember
this day from when I was eight years old, for being thrown out at the plate by Richie Ashburn of the Philadelphia Phillies in the ninth inning of the final game of the 1950 season, thereby depriving his team, the Brooklyn Dodgers, of a shot at the pennant. Died at Ft. Lauderdale, FL, January 26, 1997.
    1925 - Birthday of Paul Newman of “Newman’s Own,” in Shaker Heights, OH.  Actor:  (Oscar for “The Color of Money”; “Cat on a Hot Tin Roof”, “Butch Cassidy and the Sundance Kid”, “Hud”, “The Long, Hot Summer”, Exodus”, “Hustler”, “Slapshot”, “The Verdict”, “The Sting”); director:  (“Rachel, Rachel”, “The Glass Menagerie”).  Died in 2008 in Westport, CT.
http://www.newmansown.com/
    1926 – The first public demonstration of television was conducted by John Logie Baird in his laboratory in London.

    1929 - Jules Feiffer, cartoonist, writer, was born in The Bronx.  Feiffer's strips ran for 42 years in “The Village Voice”, first under the title “Sick Sick Sick”, briefly as “Feiffer's Fables” and finally as simply “Feiffer”.  After Mike Nichols adapted Feiffer's unproduced play “Carnal Knowledge” as a 1971 film, Feiffer scripted Robert Altman’s “Popeye”, Alain Resnais’ “I Want to Go Home”, and the film adaptation of “Little Murders”.
    1930 - Cleveland's 52 stories Terminal Tower opened.
    1934 - The famous Apollo theatre in New York City's Harlem district opened as a showcase for black artists. The theatre had begun as an all-white music hall and burlesque house, and in the 1920's and early '30s was famous as Hurtig and Seamon's Burlesque. The Apollo's opening-night show featured Harlem showman Ralph Cooper, Aida Ward, Benny Carter and his orchestra and 16 dancers billed as "Gorgeous Hot-Steppers." For more than 50 years, the Apollo has been a launching pad for some of the century's greatest talent, including Duke Ellington, Ella Fitzgerald, James Brown, Aretha Franklin and Dionne Warwick. The Apollo Theatre was declared a cultural landmark in 1983, and two years later reopened as the Apollo Theatre Television Centre. There are still live shows, but the primary purpose of the center is to produce these shows for TV.
    1934 - Jimmy Lunceford Band records, “WhiteHeat,”
    1934 - '50's rock 'n' roller Huey (Piano) Smith was born in New Orleans. His playing incorporated the earlier boogie style of such pianists as Albert Ammons and Pete Johnson with the New Orleans rhythm-and-blues of Fats Domino. He and his band, the Clowns, had two million-sellers in 1957 - "Rockin' Pneumonia and the Boogie Woogie Flu" and "Don't You Just Know It."
    1935 – Birthday of former Major League catcher and Milwaukee Brewers announcer, since 1971, Bob Uecker, in Milwaukee.  Uecker also portrayed Harry Doyle, the broadcaster for the Cleveland Indians, in the “Major League” film trilogy (…Juuuuusst a bit outside…), as well as starring in the TV series, “Mr. Belvedere” and those Miller Lite commercials. 
    1939 - Producer David O. Selznick began filming “Gone With the Wind”. Numerous problems with the script, several directors, and a soaring budget plagued the project. After he turned down the role of Rhett Butler, Gary Cooper remarked, "”Gone With the Wind” is going to be the biggest flop in the history of Hollywood. I'm just glad it'll be Clark Gable who's falling flat on his face and not Gary Cooper".
    1940 - Frank Sinatra made his first public appearance with the Tommy Dorsey Band at the Coronado Theater, Rockford, IL.
    1942 - The first American expeditionary force to land in Europe in World War II arrived in Ireland and was greeted by Sir Archibald Sinclair, the British Air Minister. The first officer to land was Major General Russell Peter Hartle. The first enlisted man to land was Private Milburn Henke of Hutchinson, MN.
    1942 - West Coast Hearst newspapers engage in a vilifying attack on Japanese-Americans and begin the public outcry for mass exclusion.
    1944 – At Liberty Field, Camp Stewart, the Women of the Air Service Pilots (WASPS) who flew military aircraft during World War II, were ordered out on ground maneuvers with the regular male Army troops. Although the women were not military (without military benefits such as insurance, housing, free meals, health care, or uniforms, etc.), they were often ordered by misogynistic C.O.'s to perform as if they were military personnel. Out in the field without military equipment (the women often didn't even get shoe rations!) the men were busily showing the women up when the officers rang an alarm. The WASPs had no idea what the alarm meant until GI's whipped out gas masks and put them on. Not the WASPs. They had no gas masks! As the acrid smoke drifts over everyone, the women gag and cough while the men laughed and the officers smirked.
From Byrd Howell Granger's “On Final Approach, The Women Air force Service Pilots of W.W.II”. Scottsdale, AZ.: Falconer Publishing Company, 1991. ISBN: 0-9626267-0-8.
    1944 - Esquire All-Stars (Armstrong, Eldridge, Teagarden, Hawkins) cut “Basin St. Blues”, “Mop Mop” for V-Disc.
    1944 – Activist Angela Davis was born in Birmingham, AL.  She was a prominent counterculture activist and radical in the 1960s as a leader of the Communist Party USA, and had close relations with the Black Panther Party through her involvement in the Civil Rights Movement, although she was never a party member.  She is a retired professor at UC, Santa Cruz and a former director of the university's Feminist Studies department.
    1944 – Birthday of former Penn State football coach and convicted child molester Jerry Sandusky in Washington, PA.
    1945 - MURPHY, AUDIE L., "Medal of Honor".
Rank and organization: Second Lieutenant, U.S. Army, Company B 1 5th Infantry, 3d Infantry Division. Place and date: Near Holtzwihr France, 26 January 1945. Entered service at: Dallas, Tex. Birth: Hunt County, near Kingston, Tex. G.O. No.. 65, 9 August 1945. Citation 2d Lt. Murphy commanded Company B, which was attacked by 6 tanks and waves of infantry. 2d Lt. Murphy ordered his men to withdraw to prepared positions in a woods, while he remained forward at his command post and continued to give fire directions to the artillery by telephone. Behind him, to his right, 1 of our tank destroyers received a direct hit and began to burn. Its crew withdrew to the woods. 2d Lt. Murphy continued to direct artillery fire which killed large numbers of the advancing enemy infantry. With the enemy tanks abreast of his position, 2d Lt. Murphy climbed on the burning tank destroyer, which was in danger of blowing up at any moment, and employed its .50 caliber machinegun against the enemy. He was alone and exposed to German fire from 3 sides, but his deadly fire killed dozens of Germans and caused their infantry attack to waver. The enemy tanks, losing infantry support, began to fall back. For an hour the Germans tried every available weapon to eliminate 2d Lt. Murphy, but he continued to hold his position and wiped out a squad which was trying to creep up unnoticed on his right flank. Germans reached as close as 10 yards, only to be mowed down by his fire. He received a leg wound, but ignored it and continued the single-handed fight until his ammunition was exhausted. He then made his way to his company, refused medical attention, and organized the company in a counterattack which forced the Germans to withdraw. His directing of artillery fire wiped out many of the enemy; he killed or wounded about 50. 2d Lt. Murphy's indomitable courage and his refusal to give an inch of ground saved his company from possible encirclement and destruction, and enabled it to hold the woods which had been the enemy's objective. He later went on to become a major movie star.
    1945 - Soviet forces reached the Auschwitz concentration camp.
    1946 - Birthday of jazz author/researcher Lee Hildebrand, Williamsport, PA
http://www.amazon.com/exec/obidos/ASIN/1567996930/inktomi-bkasin-20/
ref%3Dnosim/104-4344982-0045565

http://www.villagevoice.com/specials/pazznjop/critic.php3?criticid=215
    1946 – Gene Siskel, American film critic and journalist for the Chicago Tribune was born in Chicago. With colleague Roger Ebert, he hosted a series of popular review shows on television from 1975 to 1999 when he died.
    1947 - On ABC radio, "The Greatest Story Ever Told" was first heard, making it the first radio series to portray Jesus Christ's voice.
    1948 - President Truman decides to end segregation in the armed forces and the civil service through administrative action (executive order) rather than through legislation.  He signs on July 26, 1948 Executive Order 9981 to end segregation in US Armed Forces.
http://www.trumanlibrary.org/9981.htm
http://www.trumanlibrary.org/deseg1.htm
    1949 - The first tape-recording machine for mass production of tapes was announced by the Minnesota Mining and Manufacturing Company(3M), St. Paul, MN. The machine tape 48 hours of recorded music in one hour.
    1949 - The Hale telescope at Palomar Observatory sees the first light under the direction of Edwin Hubble, becoming the largest aperture optical telescope until BTA-6 is built in 1976.
    1951 - The first female Rabbi in the Reform movement was Paula Ackerman of Meridian, MS, who was appointed to serve in the place of her late husband as rabbi of Temple Beth Israel.
    1951 - Elizabeth Taylor divorced her first husband, Nicky Hilton, on the grounds of mental cruelty. It was less than a year after their highly publicized wedding.
    1953 - Film actress, dancer, and sex symbol Rita Hayworth divorced Prince Aly Khan in Reno, Nevada. Hayworth once said, "Every man I knew had fallen in love with Gilda and wakened with me," referring to her most successful film role in “Gilda” and her less-than-successful track record in marriage.
    1954 - Top Hits
“Stranger in Paradise” - Tony Bennett
“Oh! My Pa-Pa” - Eddie Fisher
“At the Darktown Strutters’ Ball” - Lou Monte
“Bimbo” - Jim Reeves
    1955 - Bill Haley's "Dim, Dim the Lights (I Want Some Atmosphere)" enters the R&B charts
    1956 - Martin Luther King, Jr. arrested for the first time for driving 30 mph in a 25 mph zone; his home will be bombed on January 30th.
http://seattletimes.nwsource.com/mlk/man/MLKtimeline.html
http://www.holidays.net/mlk/rosa.htm
    1956 - Buddy Holly had his first of three recording sessions in 1956 for Decca Records in Nashville, Tennessee with Owen Bradley as producer. Nothing much came out of those sessions. "Blue Days, Black Nights" was recorded and became his debut single. He formed the group, The Three Tunes (changed later to The Crickets), and went on to find fame and fortune when he hooked up with producer Norman Petty in New Mexico. Holly died in a plane crash near Clear Lake, IA, February 3, 1959 (“the day the music died”). He was 22. Holly was inducted into the Rock and Roll Hall of Fame in 1986.
    1957 - Birthday of Eddie Van Halen (Van Halen) in The Netherlands.
    1957 - Buddy Holly and the Crickets make their second appearance on CBS' Ed Sullivan Show. Before the show Sullivan, who considered Holly's hit "Oh, Boy!" too "raunchy," forbids him from singing it on tonight's show. Holly refuses, causing Sullivan to limit Buddy to one song instead of two, sabotage him with bad lighting and sound, and mispronounce his name. Holly is visibly upset on the stage.
    1958 - Ellen DeGeneres, comedienne, actress ("Ellen"), born New Orleans, LA.
    1958 – Singer Anita Baker was born in Toledo.
    1959 - "Alcoa Presents" was first seen on ABC-TV. Later, the show was renamed "One Step Beyond". It was based on "true events that are strange, frightening and unexplainable in terms of normal human experience."
    1960 - Burnsville, West Virginia beat Widen, West Virginia in basketball, 173-43. Danny Heater starred by getting in 135 points.
    1960 - Pete Rozelle was elected commissioner of the National Football League, a position he would hold for over 25 years.
    1960 – “Dih Raydizz”, Oakland’s professional football team, joined the American Football League.  The Raiders, originally scheduled to play in Minnesota, was the last team of eight in the new league to select players, thus relegated to the remaining talent available.  They were outscored 99-0 in their first two games costing Coach Eddie Erdelatz his job.  Shortly thereafter, Al Davis took over and transformed them into an NFL champion powerhouse for over thirty years.
    1961 - President John F. Kennedy chose Dr. Janet G. Travell to be the first woman to hold the position of ‘personal physician to the President’.
    1961 - Wayne Gretzy, NHL Hockey Hall of Famer, was born Brantford, Ontario, Canada.
    1961 - "Are You Lonesome Tonight?" by Elvis peaks to #1.
    1962 - Top Hits
“The Twist” - Chubby Checker
“Peppermint Twist” - Joey Dee & The Starliters
“Can’t Help Falling in Love” - Elvis Presley
“Walk on By” - Leroy Van Dyke
    1962 - Bishop Burke of the Catholic Diocese of Buffalo, declared Chubby Checker's "Twist" is impure and bans it from all Catholic schools.
    1963 - The Rooftop Singers' "Walk Right In" hits #1
    1963 - Major League Rules Committee votes to expand strike zone.  The traditional strike zone had been the knees to the armpits of a batter in his normal stance.  This was changed to the shoulders to the bottom of the knee.
    1964 - The Four Seasons' "Walk Like a Man" enters the pop charts.
    1969 - California is declared a disaster area after two days of flooding and mud slides.
    1970 - NFL Commissioner, Pete Rozelle, and the three major television networks, NBC, CBS and ABC, agreed to a contract whereby the networks would pay a total of $124,000,000 over four years to broadcast National Football League games. CBS carried the NFC games and NBC the AFC. ABC had the idea to broadcast, "Monday Night Football".
    1970 - Top Hits
Raindrop Keep Fallin’ on My Head - B.J. Thomas
Venus - The Shocking Blue
I Want You Back - The Jackson 5
Baby, Baby (I Know You’re a Lady) - David Houston
    1972 - Elvis Presley begins wearing one-piece jumpsuits during his gigs at the International Hotel, Las Vegas.
    1974 - Ringo Starr's "You're Sixteen" hits #1
    1977 - After removing the diamond from his famous "TCB" ring, Elvis Presley has it placed in an engagement ring for girlfriend Ginger Alden. Elvis proposes to her in the bathroom at Graceland.
    1977 - Peter Green, Fleetwood Mac's first lead guitar player, was committed to a mental hospital in England. He had fired a pistol in the general direction of a delivery boy. Green left the band in May of 1970.  
    1978 - Top Hits
“Baby Come Back” - Player
“Here You Come Again” - Dolly Parton
“You’re in My Heart (The Final Acclaim)” - Rod Stewart
“What a Difference You’ve Made in My Life” - Ronnie Milsap
    1978 - A paralyzing blizzard struck the Midwest. One to three feet of snow fell in Michigan, and 20 to 40 inches was reported across Indiana. Winds reached 70 mph in Michigan, and gusted above 100 mph in Ohio. The high winds produced snow drifts twenty feet high in Michigan and Indiana stranding thousands on the interstate highways. Temperatures in Ohio dropped from the 40s to near zero during the storm.  It was the lowest non-tropical atmospheric pressure ever recorded in the US until October, 2010.
    1979 - The guitar synthesizer was first demonstrated.
    1979 - “The Dukes of Hazzard” premiered on TV. This comedy/action show ran for seven seasons and featured car chases. Brothers Bo Duke (John Schneider) and Luke Duke (Tom Wopat) were the good guys, fighting crooked law enforcement in their rural southern community. Other characters included Daisy Duke (Catherine Bach), Uncle Jesse Duke (Denver Pyle), Sheriff Roscoe P. Coltrane (James Best), Deputy Enos Strate (Sonny Shroyer) and Boss Hogg ( Sorrell Books).  Daisy’s Dukes also became a fashion item.
    1980 - Mary Decker became the first woman to run a mile in under 4½ minutes
    1984 - "Mike Hammer" re-appeared on TV. Mike Hammer was a gritty, urban detective created by writer Mickey Spillane, very popular in both hard back and pocket book as a “hard-boiled dick” writer, considered still a classic, definitely ahead of his time. Originally a TV series in the 50s with Darren McGavin, CBS revived the series with Stacy Keach as Hammer. Production was stopped while Keach was briefly imprisoned for a drug charge in 1984 but the series returned in 1986. Darrin McGavin, who most likely is best remembered as "Kolchak: The Night Stalker", was the originally Mike Hammer on television and one of my favorite shows. As a teenager, I never missed it and consequently read all Spillane's books, along with Dashiell Hammett, Raymond Chandler, Kenneth Millar aka Ross McDonald. Spillane is one of America's greatest authors and his works should be studied in colleges and universities as there are many levels and messages in his observations of good versus evil.
    1985 - With a 66-65 win, St. Johns University ended Georgetown’s 29-game winning streak. Chris Mullin, later an NBA star and Hall of Famer, scored 20 points for St. Johns. Patrick Ewing, also an NBA star, lead Georgetown with 9 points, in this Big East Conference basketball game.
    1986 - Chicago Wins Super Bowl XX: In their first Super Bowl outing, the Chicago Bears romped over the New England Patriots to win Super Bowl XX, 46-10. Chicago spotted the Patriots a 3-0 lead but then scored the next 44 points while holding New England to seven yards rushing.  The game’s MVP was Bears’ DE Richard Dent, one of the few defensive players to ever win the award.
    1986 - Top Hits
“That’s What Friends are For” - Dionne & Friends
“Burning Heart” - Survivor
“Talk to Me” - Stevie Nicks
“Never Be You” - Rosanne Cash
    1986 - Corey Hart's "Boy in the Box" album reached the million mark in sales in Canada. Hart was the second Canadian artist to reach the figure, which qualified him for a diamond award. The first Canadian artist to sell a million copies of an album was Bryan Adams, whose "Reckless" album reached that mark in December 1985.
    1987 - Coca-Cola was officially named the #1 soft drink in the United States. Pepsi- Cola was at #2.
    1988 - The incoming hit musical from London, “The Phantom of The Opera”, set a Broadway record in advance sales of over $12 million before its grand opening on Broadway on this date. “Phantom” took in a record-setting amount of $920,272 in seventeen hours when tickets went on sale the previous November.
    1988 - A snowstorm in the northeastern U.S. produced 19 inches at Austerlitz, NY and Stillwater, NY. A storm in the Great Lakes Region left 16.5 inches at Marquette, MI, for a total of 43 inches in six days.
    1990 – The Boston Red Sox hired Elaine Weddington as Asst. GM making her the highest-ranking African American female in a major-league front office.
    1991 – The Kansas City Chiefs’ Jan Stenerud became the first placekicker to be elected to the Pro Football Hall of Fame.
    1992 - Super Bowl XXVI (at Minneapolis): Washington Redskins 37, Buffalo Bills 24. Washington led 37-10 before Buffalo scored a pair of TDs in the final six minutes. Bills’ QB Jim Kelly threw the football a record 58 times (with 4 interceptions) in the losing effort. MVP: Redskins’ QB Mark Rypien. Tickets: $150.00.  This was Coach Joe Gibbs’, now a Pro Football Hall of Famer, third Super Bowl victory, each with a different QB.  (Joe Theisman and Doug Williams preceded Rypien.)
http://images.nfl.com/history/images/0126.jpg
    1994 - Top Hits
“All For Love” - Bryan Adams/Rod Stewart/Sting
“Hero” - Mariah Carey
“Breathe Again” - Toni Braxton
“The Power Of Love” - Celine Dion
    1995 - For a price-tag of $1.7 billion, Cadbury Schweppes, whose arsenal of products already included A&W Root Beer, Canada Dry, and Crush and Sunkist fruit colas, bought the United States' third-biggest soft drink concern, the Dr. Pepper / Seven-Up Company. The acquisition left Cadbury Schweppes with 17% of America's $49 billion soda market, putting it just behind Coca-Cola and Pepsico in the field.
    1997 - Super Bowl XXXI (at New Orleans): ZZ Top, James Brown, and the "Blues Brothers" perform at the Super Bowl XXXI halftime show. Green Bay 35, New England 21. A classic team effort: QB Brett Favre passed for two TDs and Desmond Howard (MVP) returned a kickoff 99 yards for a score as the Packers won their 12th NFL championship and the first since Super Bowl II in 1968. Tickets: $275.00.
    1998 - Compaq Computer Corp. and Digital Equipment Corp. announced plans to merge. In the largest computer biz acquisition to that time, the deal was worth $9.6 billion. On March 20, 2002, the stock holders approved the company’s merger with Hewlett-Packard.
http://h18000.www1.hp.com/newsroom/pr/2002/pr2002032001.html
    1998 – President Bill Clinton in an evening press conference to the American public:  "I want to say one thing to the American people; I did not have sexual relations with that woman, Miss Lewinsky"
    1999 - The National Transportation Safety Board determines the cause of John Denver's fatal 1997 airplane crash: Denver neglected to fill his main tank with enough fuel, and in the process of switching over to his backup tank inadvertently put the plane into a deadly roll.
    1999 - Saddam Hussein vowed revenge against the US in response to air-strikes that reportedly killed civilians. The strikes were US planes defending themselves against anti-aircraft fire.
    2003 – Billy Joel was hospitalized for several hours after crashing his car into a tree in Sag Harbor, NY. He was released early the next morning.
    2005 - Condoleezza Rice is sworn in as U.S. Secretary of State, becoming the first African American woman to hold the post.
    2006 - Western Union discontinued its telegram service.
    2010 - James Cameron's movie "Avatar" became the highest-grossing film worldwide.

Super Bowl Champions This Date
    1986 - Chicago Bears
    1992 - Washington Redskins
    1997 - Green Bay Packers

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Top Stories

(chronological order)

- CIT Bank/OneWest Bank Merger More Protests
- Downside of Medallion Financial Only Just Beginning
- 37 Months for $433,000 Leasing/Loan Fraud Scheme
- CLP Membership Reaches Highest Since Inception
- Fortress Buys MicroFinancial for $147 Million
- As Economic Headwinds Subside, Businesses
   Increasingly Reach Out for Financing
- New Standard Mileage Rates Now Available
- Ben Carlile Joins Leasing News Advisory Board
- SBA Reaches Record High in Loans to Small Business
- BBB Leasing Company Ratings
    December 10, 2014
- Complaints Bulletin Board BBB Ratings
- Baytree National Bank sells Equipment Leasing
   and Financing Business to North Community Bank
- Direct Capital Chris Broom Buys $8 Million Home
    Appears Keeping Former Tyco President Mansion in NH
- Matrix Business Capital, Long Beach, California
    Bulletin Board Complaint
- Blue Bridge Financial, Buffalo, New York
    Bulletin Board Complaint--Doesn't Pay Broker   
- Balboa Capital Sued in Federal Court for
        Bait and Switch Sales Tactics
- Direct Capital Chris Broom Buys $8 Million Home
    Appears Keeping Former Tyco President Mansion in NH
- Beware Congress May Pass Changes if FASB Does Not
- Largest Bank Failure in 2014
   Fourth Indian-American Bank to Fail in Chicago
- Details, Details...How Important are they?
   Very, When the Lessor Sneaks in a Blanket Lien
- First American Equipment Finance Now Employs Most CLPs
- Compensation Plan
- What the Marlin 3rd Quarter Press Release Did Not Include
- Who Will be the New Head of Direct Capital?
- Dave & Mike Murray,
  the Original Founders of Direct Capital
- What is Leasing?
    Legal Definitions by Leasing News Legal Editor Tom McCurnin
- Vote “Yes” on CIT Bank and OneWest Bank Merger
- What Lessors Now Need to Know About Hacking
- Why Leasing News “Job Wanted” Ads Are Sparse
- Ascentium Capital Opens New England Office
- Equipment Tax Deductions
- September 2014 Broker Survey Results
- Reaction to Wheeler 2014 Broker Survey
- Victim or Might Be a Victim of Identity Theft?
- Comcast home invasion lawsuit exposes risks
   for home automation, security service providers
- Quick Bridge Funding Ranked No. 1 Fastest Growing
  Private Midsize Company in Orange County, California
- Richest Man in Leasing: Steven Udvar-Hazay
- Derek Jeter's Final Game at Yankee Stadium
   by Ralph Mango, Leasing News Associate Editor
- Invest in Your Country
  U.S. Savings Bonds
- How to be a “Leasing Expert Witness”
    and Make Extra Income
- 2014 Survey Reports Expert Witness Hourly Fees
    Record  All-Time Highs
- Steve Crane, CLP, Joins BSB Leasing
- Alexa Report--Leasing Industry Web Site Visits
- Where to Sell Your Old Handsets or iPad
- Tiny Breathalyzer Plugs into Your Phone
- Bank Savings Are Growing
    Showing Anxiety of Businesses/Consumers
- Rosanne, Richard, and the Veterans Administration
- Dean Rubin Found, Ultimate Financing
      a Division of Navitas Lease Corp.
- U.S. Savings Bonds
- Balboa Capital Settles $36,454 Attorney Fee Complaint
   After Getting Suit Dismissed Against Regents Capital

- Your Photograph on LinkedIn.com
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- Banks Turn Toward Leasing for More Profit
- 15 Biggest Employers in the World
- Déjà vu on Proposed Lease Accounting Changes
- What $11.62 Trillion Worth of Household Debt Looks Like
- Broker’s Responsibility to Obtain
    California Lender’s License
- Dakota Financial saves $14,400 in document storage costs
   after deploying Office 365
- Programs to Protect Smartphones/Tablets/Laptops
- Who is Financing the Other Four?
    by Christopher Menkin
- Top Five Leasing Company Web Sites—
    in North America 
- Leasing News Icon for Android Mobile Device
- The Salary You Must Earn to Buy a Home in 27 Metros
- Lease Fleece Judge Verdict on Citibank Kingpin
- New CLP Designation---“Associate”
- Look for More Changes in Conducting Leasing
- 5 Ways to Give Your Brain a Break Right Now
- LEAF Financial Income Fund III Complaints
   10K Gives Numbers
- “A Great Time to be in the Equipment Leasing Industry”
- Why Leasing News is Different
- Loan/Lease Regulations
- Take Your Banker to Lunch
- Look Out!!! --Two Evergreen/PRR Clause Lessors Merge
   Onset Financial/Mazuma Capital
- Lease Police Tips on Judging Vendors
- Netiquette: Rules of Behavior For Email and the Internet
- Alert: Rudy Trebels Back Soliciting Broker Business
- HL Leasing/John Otto--Update
- NorVergence- Year end, 2013
- The Future of Digital: 2013
- Twelve Lawyers Against Evergreen Clause Abuse
- Wants to Go After Lessors and Their Attorneys
   Re: Evergreen Clause Abuses
- Sample of Usury Laws in United States
- Balboa Capital Class Action Case Settled--$5 million?
- Old Cowboy On His Horse
- Leasing Brokers: When May You Collect a Commission?
- Is Long Term Leasing Dead?
- 5 Ways Women Are Better Bosses Than Men
- Balboa Capital, Irvine, California
   $20,543.22 Bulletin Board Complaint
   Alleged “Bait and Switch”
- Female Lease Finance Association Presidents
- Broker’s Responsibility to Obtain
    California Lender’s License
- The Day that Albert Einstein Feared May Have Finally Arrived
- Equipment Finance Agreements Explained/Barry S. Marks
- Royal Links "True Lease" Court Ruling
- "The Memory Shock" –New Book by Barry Reitman
- Mazuma and Republic Bank Get Snared on PRR Provision
   by Tom McCurnin, Esq.
- Jeff Taylor's Leasing Predictions, Spring, 2006
- Radiance Capital, Tacoma, Washington
   Bulletin Board Complaint 
   Purchase Option on EFA, Won’t Return $5,000 S.D.
- New Case against Mazuma Capital and Republic Bank
  ---Automatic Evergreen Payment---PPR
- Republic Bank out of leasing?
- Charles Schwartz and Allied Health
- Copier Wars---It's more than the lease payment
    by Christopher Menkin
- Leasing Gypsies
- Verifying Tax Returns
- Special Report: Part I
   Could Church Kiosks, Royal Link Carts, NorVergence results been avoided?

   The use of “Equipment Finance Agreements”
- Special Report: Part II
    Bank of the West

   Equipment Lease Agreement (EFA)
- California License Web Addresses
- Settlement Costs vs. Litigation Costs