Wednesday, January 25, 2006
Headlines--- Classified Ads---Doc. Mgr./Finance/Legal ######## surrounding the article denotes it is a “press release”
Classified Ads---Documentation Manager / Finance / Legal
For a full listing of all “job wanted” ads, please go to: To place a free “job wanted” ad, please go to: Houston Texas; Very Striking Panorama of the City in 1949. -------------------------------------------------------------- Archives—2001— Rodi-eLease/ Mellon Leasing for Sale? January 25, 2002-eLease “In the last year we have seen the rise and fall of the on line broker. Perhaps the shortest run I have ever seen for any business model in my 20 year association with this industry. It was the "gold rush" and some of the miners struck it rich. Most of them, however, will end up having to work for a living and for years they will be able to tell stories about how close they came. “When you think about this business in the last five years it has been absolutely wild. Starting with First Sierra raiding the Colonial Pegasus program, T&W, Greentree, NewCourt, AT&T, Linc, Bankvest, Advanta and countless others the last five years have been unbelievable. It looks like things are about to come full circle. All the turmoil of the past few years has prompted people to start focusing on good solid business, honest operations and sound portfolio management. If we leverage automation and the internet to accomplish these things and stay focused on the needs of our customers and vendors, equipment leasing will rise again to favorable status in the financial services industry.” Bob Rodi LeaseNOW, Inc. January 24, 2002-- Mellon Leasing for Sale? " Mellon US Leasing was told last Tuesday that the division is for sale. They were told it would not be sold to a competitor, which leads him to believe there may be an overseas suitor. He said Mellon booked about $1 billion in leases last year. Apparently the sales staff was given retention bonuses and most of them have a lot in the pipeline, so they plan to stay. My friend actually thinks it will be positive since Mellon tightened up the credit standards quite substantially after purchasing US Leasing." (Name With Held) --------------------------------------------------------------
T-bills hit highest in five years Interest rates on short-term Treasury bills have risen to the highest in five years. The Treasury Department auctioned $20 billion in three-month bills at a discount rate of 4.290 percent, up from 4.270 percent last week. Another $17 billion in six-month bills was auctioned at a discount rate of 4.340 percent, up from 4.315 percent last week. The three-month rate was the highest since these bills averaged 4.370 percent on March 19, 2001. The six-month rate was the highest since 4.420 percent on March 12, 2001. The discount rates reflect that the bills sell for less than face value. For a $10,000 bill, the three-month price was $9,891.56; a six-month bill sold for $9,780.59. Separately, the Federal Reserve said yesterday that the average yield for one-year Treasury bills, a popular index for making changes in adjustable-rate mortgages, rose to 4.43 percent last week from 4.41 percent the previous week. In Chairman Allen Greenspan's last meeting this month, it is expected the Fed will again raise its best rate a quarter of a point to continue to fight inflation, they say. --------------------------------------------------------------
GE to eliminate small equipment leasing business? Wall Street Journal (01/21/06) P. B16 ELTnews With a $360 billion valuation, dismantling General Electric is not an option, but its portfolio could use some pruning. Unlike failed multinationals such as Cendant and Tyco International, GE's various businesses are all profitable and carry numerous benefits. The conglomerate's diversified earnings stream allows it to maintain its Triple-A credit rating, which reduces funding costs for its businesses, but especially financial services. In addition, GE Capital grants GE's divisions access to financial products, such as vendor financing, that assist with sales. Breaking up GE might eliminate these benefits. Under CEO Jeff Immelt, GE has purchased approximately $110 billion of assets, more than three times the value of divestitures. Analysts say Immelt should now consider eliminating businesses that do not enhance other parts of the portfolio, have lower capital returns or growth, and greater earnings volatility. Likely candidates might include GE's considerable equipment leasing business, chunks of its consumer appliances and lighting arms, and several residual insurance operations. (There has been talk in the streets that GE Capital was going to get out of the small ticket leasing business. They like the large dollar transactions, and according to many GE manufacturers, have been moving these capital programs elsewhere. When the palaver gets to the level of the Wall Street Journal, perhaps there is more to it. editor) -------------------------------------------------------------- Hughes Network Alert removed
"On or about January 4, 2006 I advised your publication that this office represented a creditor whom purchased interest and title in a portfolio originated and serviced by Hughes Network Systems. I am pleased to announce that mutually agreed upon terms have been reached by all interested parties and we now consider this matter resolved. "As always my staff and I continue to enjoy your publication and wish you continued success. Respectfully, Troy Lang (As per our policy, when an "alert" or "complaint" is resolved amicably between both parties, Leasing News will remove the "alert" or "complaint" from our bulletin board. editor) -------------------------------------------------------------- Finally--RW Professional Trial underway by Christopher Menkin The trial against the officers of RW Professional, Island Park, New York was postponed several times. It is now underway, Assistant U.S. Attorney Linda Lacewell told Leasing News. All the officers have reportedly made a “deal,” except the “boss.” Barry Drayer, age 66, who continues to deny he was the person running the company or was responsible for money laundering and other charges of interstate fraud. In a previous move to have the trial postponed, Drayer was described by his attorney Steve Zissou as “ ...just a salesman. ” In the latest, it is now claimed the case was brought by “... a disgruntled employee and a rival firm that wanted to take over its business.” Earlier bets were that Drayer was going to use the “snake oil” he reportedly rubbed on Vanguard Leasing, Old Kent, CIT, and with Tom Depping at Sierra Cities. He got caught up with American Express Business Finance for over $20 million from the Sierra Cities portfolio (they'll never see the money is the scuttlebutt and have their legal case on hold, pending the results of this trial) and Crawford & Sons, a Fayetteville, New York, and a host of community banks owed over $15 million, who will be lucky to get a dime on the dollar, it is reported. They have their court case on hold too. This doesn't count the $38 million fine to Bank of New York over the RW professional matter as a result of the handling of the money by one of its officers. The bank is very healthy and wrote this off. Many lessees were faced with law suits from various banks claiming money was owed to them from leases assigned by RW Professional. Others paid off leases early to RW Professional, who evidently pocketed the money to help make the Ponzi scheme work as RW Professional continued to make leasing payments direct after double dipping and triple dipping leases. The scheme worked as long as sales continued and RW Professional continued to lower margins and reportedly falsify credit to book more leases. The operation reportedly worked before at various other banks, but the perfect storm hit the system. Drayer evidently thought he again could beat the system, actually going through several attorneys in the process, and changes of U.S. attorneys who had originally started the case four years ago. It does not appear Assistant U.S. Attorney Linda Lacewell is going to let Barry Drayer “skate” free this time. The other officers, all his relatives, have already pleaded guilty to various charges in the case: his sister Rochelle Besser, 69, the alleged “front” president; his brother Roger Drayer, 63, vice president of marketing; a nephew, Adam Drayer, a computer technician, 26; and a niece, Jennifer Tarantino, 34. A second defendant in the trial, Stephen Barker, 42, of Lake Forest, Calif., president of Carefree Financial Service, is a well-known lease broker, whose family is still active in the profession. His father, Tony, reportedly active in Carefree Financial Services and an alleged ordained minister, moved back to his native South Africa. His son Bryn allegedly accompanied him out of the country. Barker's other brother, who was allegedly not involved, is still active in the leasing business. He was never named in the matter. Perhaps the “disgruntled employee”, according to Drayer's attorney Steve Zissou, is Steve Barker, a religious man, who has reportedly lost all his assets defending himself. His crime, he says, he trusted Barry Drayer. He is charged with conspiracy. Barker's attorney, Terrence Buckley of Islandia, said his client was not involved in any crimes. Unfortunately, earlier testimony is powerful evidence against him, as Barker originally told the authorities “all.” It also is perhaps why he is being tried as a co-defendant. Drayer perhaps blames Barker for “talking.” What Barker told the authorities: he was only doing what Drayer told him to do. He thought it was proper as it was under the direction of his “funder.” He didn't know RW Professional was floating payments, he claims. He didn't know he was doing anything illegal. In July, 2001, he had talked to a “colleague” about what he was doing, and was advised to discuss the matter with the FBI, that ignorance was not a good excuse. The feds want him in the trial because he personally can testify who really did call the shots, that Drayer was not just a salesman and the cards did not come tumbling down because of a rival firm. The economy pushed the Ponzi firm into not working. And Greg McIntosh, in a new position at American Express Business Finance, had the brains to look into the names of checks coming in that others had ignored in the past. Then Finance Team of America ((now called Bankers Healthcare (the Castros)) began warning the industry of deals supposedly funded, but not, and deals not paid. The Castros filed a complaint with the Massachusetts attorney general claiming he had not paid them over $125,000 in commissions and questioned his way of doing business. Leasing. News printed their letters and this information, plus the dealings while at Sierra Cities/First Sierra in several articles co-written with Charlie Lester. Community banks were the first to also find leases not being paid. In reality, Finance Team of American Bankers Healthcare) were not rivals, but one of RW Professionals sources of business. Drayer's attorney tried not to have Barker a co-defendant and made many moves to have him removed. From Pacer court records (public knowledge:) "Due to unfortunate events, media and motion to sever the trial, the trial will not go forward as scheduled on 11/1/05 and the jury is excused. Mr. Drayer is in Steve Zissou's Office. Next in Court Conference is set for 11/8/05 at 9:00 a.m. Both defendants to waive speedy trial to 11/8/05. Both counsel for the defendants agree to waive speedy trial. (Coleman, Laurie) (Entered: 11/08/2005) "Jury Selection 1/18/06 at 9:00 a.m. Government to submit another letter regarding severance issues with more case law that is current. Court reserves decision on defendant Drayer's motion for severance until after letter from Government is received. Waiver forms given to defendants' counsel for defendants' to execute. (Coleman, Laurie) (Entered: 11/16/2005) "MEMORANDUM OF DECISION AND ORDER - This case involves charges of conspiracy to commit bank fraud, wire fraud, and money laundering. Presently before the Court is a motion by the Defendant Barry Drayer for severance of his trial from that of his codefendant Stephen Barker, who also joins in the motion. Ordered, that the 329 motion by Defendants for severance pursuant to Rule 14 is DENIED. SEE Decision for further details. (Ordered by Judge Arthur D. Spatt on 11/29/05). C/ECF. (Coleman, Laurie) (Entered: 11/30/2005) "MOTION TERMINATED as to BARRY DRAYER, STEPHEN BARKER: The Government's 361 MOTION to Take Deposition (Videotaped) is WITHDRAWN (SEE document 363 Withdrawing Motion). (Coleman, Laurie) (Entered: 01/11/2006) "01/22/2006 366 Letter regarding disclosure of tax returns as to Barry Drayer (Zissou, Steve) (Entered: 01/22/2006) "01/23/2006 367 Letter in Response to Barry Drayer's Letter Opposing Disclosure of Certain Tax Return Information as to Barry Drayer, Stephen Barker (Lacewell, Linda) (Entered: 01/23/2006)" This is evidently why Drayer didn't want Barker to be a co-defendant: "Barker made a series of statements to federal agents both before and after his arrest. Specifically, Barker made incriminating statements to FBI agents in August of 2005, which also inculpated Barry Drayer. Barker also provided the government with a laptop computer and delivered an eight page typewritten single spaced statement. The statement attributes all criminal responsibility to Barry Drayer while attempting to excuse his own involvement in any illegality that he might have unwittingly aided and abetted. Barker states in this statement that Drayer told the unwitting Barker to form Medpro in order to facilitate Drayer's secret frauds. The Barker statement reads as follows: "I can and am willing to testify to the above facts concerning my business dealings with PLS and Barry Drayer. I admit that I made it very easy for Barry Drayer to use me and that I was ignorant in hindsight. But I was NOT a co-conspirator. I was not a part of the “inner family circle” that existed at PLS. PLS was simply a place for me to submit credit applications for loan approval. I had the opportunity to do business with many other funding sources that offered the same programs offered by PLS but we had no reason to ever leave PLS. I would have earned the same referral fees from other funding sources. "Looking at things now, hindsight is always 20/20 but I had no way of knowing that PLS was setting Medpro and Carefree up to “take the fall” if things ever went wrong for PLS. It is completely out of character for me or my family to participate in any type of fraud or co-conspiracy. Not only did we not have the knowledge of how the industry operated in order to perpetrate such a fraud, it completely violates our belief system which is based on strong Christian values. I trusted PLS and Barry Drayer and that trust allowed him to take advantage of me. By following the instructions of Barry Drayer and his Case 2:02-cr-00767-ADS Document 352 Filed 11/29/2005 Page 5 of 13" Here is a copy of the full 13 pages: http://leasingnews.org/PDF/RW_Professional.pdf If convicted, both could face up to 30 years in prison. With time off for good behavior, they could get out in 15 to 18 years. Drayer could well then be well over 80 years old. Previous RW Professional stories located here: http://www.leasingnews.org/Conscious-Top%20Stories/RW_stories.htm -------------------------------------------------------------- Fraud Prevention Best Practices Allegiant Partners Newsletter 2004 and 2005 produced more than its share of large fraud cases in the leasing industry most notably NorVergence and more recently Allserve Systems which cost lessors an estimated $300 million and $80 million respectively. Per the ELTimes: "The Equipment Leasing Association Legal Committee met at ELA headquarters for two days January 9 and 10, 2006. Though the committee had a three page agenda, most of the discussion revolved around fraud against lessors and industry fair business practices with customers and channel partners. The tone set in the meeting is one of greater pro-activeness by lessors to prevent fraud and a new attention to leasing practices. The concern about fraud is driven in part by the emergence of what could very well be the latest major fraud against lessors by Allserve Systems, a company set up to provide IT and telemarketing services. The matter has all of the elements to raise suspicion - non-existent equipment, old equipment, fire, bogus addresses, doctored invoices and financials, bankruptcy and disappearing principals… " Allegiant Partners saw both of these transactions and fortunately we were able to avoid these and several other fraudulent submissions which have devastated many funding sources in our industry. We attribute these near misses to the rigorous underwriting standards and fraud checks Allegiant Partners has in place. Allegiant has not been lucky enough to avoid fraud completely but we learned early on what steps we can take to help reduce our potential exposure to fraud. Steps include: * experienced credit personnel, * Allegiant's Supplemental Application form, *Google and other internet search engines, *interviewing of applicants, criminal background checks, * and a multitude of business reports on our lessees, vendors and all the affiliated companies. The increasing complexity and sophistication of these criminals compounds the challenges facing lessors today. It is estimated that fraudulent applications cost creditors over $1 billion annually however exact numbers are uncertain as most companies do not specifically report losses due to fraud. This $1 billion is only part of the cost of fraud as lessors implement more stringent technology and underwriting standards to combat increased fraud risks. In addition to our internal controls Allegiant Partners looks to our brokers to help us validate our potential lessees and their applications. Allegiant has very little gray area in our submission requirements and expectations. We need and expect our brokers to protect us and provide all the information they ascertain on their customers. Coaching lessees to exclude a questionable applicant and/or using a ‘front man' to lease the equipment are grounds to immediately terminate a relationship. Part of the value of Allegiant Partners product offering is to analyze all of the credit information, both positive and negative, and determine if there is a way to get comfortable with the transaction. It's the surprises that our credit department uncovers that are the real deal killers, this includes splitting up larger transactions into 'app only' pieces without our knowledge. A guarantor with a 590 FICO or a bankruptcy isn't necessarily a deal breaker if there are offsetting strengths and/or additional stronger guarantors. We as lessors can be more forgiving and flexible when we know we have the whole story and the broker has proven he is providing all relevant information. In the indirect third party leasing niche it is imperative that funder and broker work together to help reduce fraud and keep our businesses and relationships healthy. For further information regarding Allegiant Partners, please contact: Doug Houlahan at 415-257-4200 x 205 or Visit www.allegiant-partners.com Allegiant Partners Inc. (Note: January 5 th Doug and his wife had a son, Brady Douglas Houlahan. Doug is a Capricorn, too, December 27 th . Drop him a note or card to share with his wife at: dhoulahan@allegiant-partners.com) --------------------------------------------------------------
Top Stories--January 16-20
These are the top ten stories most "opened" by readers last week. (1) Oh, No, Mr. Bill! EFG Still in Business!!! (2) EFG Leasing Closed? (3) Popular Loses another NorVergence Legal Round (4) Alert—CBIZ –Property Tax Payments (5) Ken Goodman joins Financial and Training List (6) Icon Capital to acquire Clearlink Capital (7) Funder List--Up-dated (8) Still an Imperfect Business MJ Fleming, CAE (9) Top Stories (10) Sales Makes it Happen--Listening Through a Screen, Darkly -------------------------------------------------------------- Classified Ads---Help Wanted Equipment Finance & Leasing Representative
Funding Manager
Independent Regional Sales Manager
Sales Person
Sales Professionals / Sales Manager / Credit Analyst
-------------------------------------------------------------- Retired Leasing President is Steve Chriest August 31, 2005 was Steve's first contribution, “Key Receivers.” Today through “Selling-Up” (www.selling-up.com), he travels the world, consulting with major corporations on sales and how to improve the management of the sales and marketing effort, speaking primarily to executive management.
The goal of “Sales Makes it Happen” was to have a column on sales addressed to executives, and if it also appealed to those directly in sales, okay. We also wanted it to be more ear marked for those in the leasing industry, and who best to start the first series, but Steve Chriest, well-known to us as Signature Leasing, who at one time with his main funding source, Bayview Federal, was doing over $100 million a year, through an affiliate program, very similar to One World Leasing. His affiliate program had a system with a matrix score to approve leases locally and fund them before all the formal booking was complete, including bonuses for quota and quality. Steve considered it a “sales organization.” All the leases were $1.00 residual. Prior to this, he started out as a broker, then a lessor and funder. He received his bachelor's degree from the University of California at Santa Barbara. Since 1990, he has been President of Adults Toward Independent Living, a San Jose, California non-profit organization dedicated to providing independent living environments for adults with severe spinal cord injuries. Steve resides in the San Francisco Bay Area. You can reach him at schriest@selling-up.com He will be continuing his column in Leasing News as well as other syndicated news letters and trade publication, but under his by-line and “Selling-Up.” “Sales Makes it Happen” will also continue, but written by a different guest columnist each Wednesday. ---------------------------------------------------------------
For previous columns, please go to: http://www.leasingnews.org/Legacy/index.html ---------------------------------------------------------------### Press Release ########################### Capital Crossing Bank Announces Annual and Fourth Quarter Results (“ During 2005, the Bank's leasing subsidiary, Dolphin Capital Corp., originated leases with an aggregate investment balance of $62.2 million, compared to 2004 when it originated or acquired leases with an aggregate investment balance of $57.2 million. Dolphin Capital Corp.'s net income was $1.8 million for the year ended 2005 compared to $2.6 million in 2004.”) BOSTONCapital Crossing Bank (NASDAQ:CAPX) (the "Bank") reported consolidated net income of $16.4 million, or $2.41 per diluted share, for the year ended December 31, 2005, compared to consolidated net income of $17.8 million, or $2.31 per diluted share, for the year ended December 31, 2004. The Bank also reported consolidated net income of $4.1 million, or $0.63 per diluted share, for the three months ended December 31, 2005, compared to consolidated net income of $3.9 million, or $0.53 per diluted share, for the same period in 2004. Total transactional income for the three months ended December 31, 2005 amounted to $11.2 million, compared to the three months ended December 31, 2004 when the Bank recognized $10.7 million of transactional income. Nicholas W. Lazares, the Bank's Chairman and Co-Chief Executive Officer, stated, "We are pleased to report another strong year at Capital Crossing Bank." Mr. Lazares further stated, "A significant portion of the Bank's revenue arises from the recognition of "transactional" income. In 2005, the Bank recognized $38.7 million of transactional income, including $27.2 million of accelerated interest income associated with loan and lease payoffs, $10.5 million in net gain on sales of other real estate owned and assets in possession and $939,000 in net gain on sales of loans. By contrast, in 2004 the Bank recognized a total of $35.0 million of transactional income. Since the level of transactional income is unpredictable from quarter to quarter and year to year, the Bank's earnings may fluctuate significantly in the future." Mr. Lazares also stated that, "We continue to focus on our business of acquiring and managing loans. As we've previously disclosed, the volume of our loan acquisitions can be unpredictable from quarter-to-quarter and from year-to-year. During the fourth quarter of 2005, we purchased loans with outstanding principal balances of $121.2 million for a purchase price of $96.0 million, compared to the same period in 2004 when we purchased loans with outstanding principal balances of $90.8 million for a purchase price of $79.9 million. For the year ended December 31, 2005, we purchased loans with outstanding principal balances of $252.5 million for a purchase price of $207.9 million, compared to 2004 when we purchased loans with outstanding principal balances of $294.8 million for a purchase price of $263.4 million. Included in our loan acquisitions for 2004, were $114.5 million of high quality residential loans that were acquired for a purchase price of $113.0 million. In 2005, we purchased $6.5 million of such loans at a purchase price of $6.5 million. Although other residential loan portfolios were available during 2005, management elected not to bid on or purchase such loans at the offered pricing levels. " Richard Wayne, the Bank's President and Co-Chief Executive Officer, reiterated that, "During the course of our review of available loan portfolios, we will, in some cases, decline to bid on a portfolio after analyzing the results of our due diligence review, or, in other instances, be outbid by other purchasers. We simply cannot predict how often we will successfully acquire a loan portfolio." Full press release located here: http://shareholder.com/capcross/releaseDetail.cfm?ReleaseID=185258 ### Press Release ########################### Christopher J. Condon awarded “Accredited Senior Appraiser” Christopher J. Condon, President, Dover Management Group, Inc., Dover, Massachusetts, recently received his designation as an Accredited Senior Appraiser (ASA) Machinery & Equipment from the American Society of Appraisers. Mr. Condon was awarded his designation as a result of successfully passing the Society's intensive written and oral examinations, submission of appraisal data, other qualifying criteria demanded by the Society's International Board of Examiners, and having performed more than 5-years of fulltime appraisal service.
As a member of ASA's local Boston Chapter, Mr. Condon stated, “This is a milestone in my career as a professional appraiser. The American Society of Appraisers is the nation's oldest multi-disciplinary, accrediting appraisal society and passing their examinations and other qualifying requirements is a major achievement.” Dover Management Group, Inc. performs a full range of equipment related services including appraisals of machinery and equipment such as trucks, trialers, construction, all other modes of transportation, material handling, manufacturing, processing, office furniture, technology, and many other types of commercially employed equipment. Christopher J. Condon ### Press Release ###########################
News Briefs--- Banks feeling the squeeze Sun Microsystems Inc. loses $223 million Disney to Buy Pixar Studios In Its Move to A Digital Era N.Y. Times profit drops 41% Knight Ridder reportedly urging cuts FedEx taking over joint venture in China Google launches services in China
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You May Have Missed Morton's steakhouses to go public http://www.chicagotribune.com/business/chi-0601240235jan24,1,6953393.story?coll= ---------------------------------------------------------------
Sports Briefs---- Lemieux says goodbye for final time Hawks game plan: Business as usual Steelers are four-point favorites ----------------------------------------------------------------
California News Briefs--- La Jolla tops California in million-dollar home sales More pricey homes selling ----------------------------------------------------------------
“Gimme that Wine” U.S. Supreme Court declines Bronco challenge of 'Napa' brand Wines & Vines 2006 Directory/Buyer's Guide Now Available For Purchase; New Directory Includes 1,300 New Listings, New Growers' Section Bordelais 'twirl their moustaches' as Languedoc suffers Ancient oak felled for wine barrels Texas-size talent to make West Coast Pinot Noir If you want to know if you got a value for your wine, or what the wine price is today, go to www.winezap.com Type in the vintage (year) and name of the producer with wine type or geographic area, such as 1995 Chateau Lynch Bages Pauillac. Even 1995 Lynch Bages will work, or 1999 Viader ---------------------------------------------------------------- Restaurant Review
Sushi Ran 107 Caledonia Street Lunch Dinner Definitely a reservation!!! This out of the way restaurant has become one of the most popular in the entire San Francisco Bay Area. Zagats has rated it up there with the other top restaurants from Napa to Monterey. At one time, it was one of the best kept secrets in the Bay Area, until Zagats in 2006 gave it a 28 ( only one restaurant in the Bay Area is higher: Gary Danko.) Normal waits at Sushi Ran are an hour and a half, and soon it will be like the French Laundry in Yountville or Chez Panisse in Berkeley, where you need reservations way in advance. Marin County locals have been coming to this "in spot" for years. It is not on the main street along the bay, but in the "downtown" and you have to look for parking. No view, just the restaurant and wine-saki bar next door, where the waiting is not that long, but the same food. Again, you are not going here for the view as with the Trident ( terrible fare ) or the convenience ( it's in Sausalito, not San Francisco) nor the decor, as it has been here 20 years. It is clean and crisp, well lit, but noisy. A Japanese bistro. 30 different types of saki and a 300 bottle list will not make it to the Wine Spectator. Also many drink beer here, with their meals. Again, the portions are small, following the not so new trend, presentations are excellent, and friends who have gone here for years tell us it is consistently excellent. http://www.sushiran.com/press.html# (for other reviews: please go here: http://two.leasingnews.org/Recommendations/rstrnt.htm 0 ----------------------------------------------------------------
Calendar Events This Day Compliment Day Robert Burns Day Irish Coffee Day ----------------------------------------------------------------
Today's Top Event in History 1945- the first water supply to be fluoridated in order to reduce tooth decay was the water system of Grand Rapids, MI. Fluoridation started with the addition of one part of fluoride ion to each million parts of water passing through the water treatment plant. ----------------------------------------------------------------
This Day in American History 1821 - The Hudson River was frozen solid during the midst of the coldest winter in forty-one years. Thousands of persons crossed the ice from New York City to New Jersey, and refreshment taverns were set up in the middle of the river to warm pedestrians. Super Bowl Champions This Date 1981 Oakland Raiders
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“Its time, to cheer, Seahawks are here, Seahawks, Seahawks, Yeah, This is our year!!!” “You got to want it to win it and we want it more. You got to want it to win it and we want it more. Go Steelers."” Football by Louis Jenkins I take the snap from the center, fake to the right, fade back...
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