Integrity Financial Groups, Murray, Utah
$50,000 Bulletin Board Complaint

Dallin Hawkins
Managing Director of Sales & Operations
Integrity Financial Groups, Murray, Utah
(Photo: LinkedIn.com)

April 18, 2013 Integrity Financial Groups, Murray, signed $1.9 million lease requiring a $50,000 wire transfer with San Tan Construction Group, Winnipeg, Manitoba, Canada. Since that date, Colin Durward was unable to obtain the lease as well as obtain his $50,000 returned. (1)

Leasing News has been attempting to reach Integrity Financial Group's Dallin Hawkins regarding the matter, although it should be noted he has not responded to past complaints posted in Leasing News.

1. Signed IFG Proposal - San Tan Construction Group, Inc.
   http://leasingnews.org/PDF/IFGSanTan_72013.pdf
   

Previous Bulletin Board Complaints:

Integrity Financial Groups, Murray, Utah
Bulletin Board Complaint
http://leasingnews.org/archives/Aug2012/8_16.htm#bbc

Integrity Financial Groups, Murray, Utah
Bulletin Board Complaint
http://leasingnews.org/archives/Aug2012/8_16.htm#bbc

Integrity Financial Groups, Murray, Utah
Bulletin Board Complaint
http://leasingnews.org/archives/Jul2012/7_09.htm#bbc

Integrity Financial Groups, Murray, Utah
Bulletin Board Complaint
http://leasingnews.org/archives/Jan2013/1_28.htm#bbc

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Dallin Hawkins Second Arrest within 25 days
Well-known LinkedIn.com Super Broker

Dallin Hawkins
Managing Director of Sales & Operations
Integrity Financial Groups, Murray, Utah
(Photo: Mugshot.com)

Dallin Hawkins, Integrity Financial Group, was arrested for his third time in Utah, according to the Salt Lake County Sheriff's Office (1)

June 28 Charges:
Failure to stop at command of a police officer
DUI Driving under the Influence of Alcohol/Drugs
Traffic Control Signal Violations
Bribery or offering a bribe
Failure to Signal/Turns/Stop/Lane Change
Alcohol restricted driver
Driving Alcohol while Suspended, Revoked or Denied
Failure to Signal Lane Change / Improper Lane Travel

He was arrested on similar charges June 3, 2013 (2)
Prescription utter forge or alter
Drug paraphernalia MIS B personal use
DUI-Ignition interlock device violation
Reckless endangerment
Expired Registration
Driving on Suspended Driver’s License
Bribery or offering a bribe
Alcohol restricted driver
Driving on Denied License
Failure to Signal Lane Change / Improper Lane Travel
Failure to Signal/Turns/Stop/Lane Change
Failure to stop at command of a police officer
Traffic Control Signal-At Intersections-Color of Light Sign
DUI Driving under the Influence of Alcohol/Drugs
Failure to Appear

and February 9, 2012 (3)
Fleeing-Causing Prop Damage/Body Inj Susp DL/Forfeit of Veh 41.6A.515 DUI M B
02/09/2012 41.6A.530 Alcohol restricted driver M B
02/09/2012 12.24.120 Driving on Denied/Susp/Revoked Lic(Alcohol related)
02/09/2012 41.6.61 Failure to Signal Lane Change / Improper Lane Travel

He has several in Orange County, California, including two warrants in Utah(4)
1    UT Utah County Warrant
2    UT Utah County Warrant
3    CA Orange Superior Court Criminal/traffic
4    CA Orange Superior Court Criminal/traffic
5    CA Orange Superior Court Criminal/traffic
6    CA Orange Superior Court Criminal/traffic
7    CA Orange Superior Court Criminal/traffic
8    CA Orange Superior Court Criminal/traffic
9    CA Orange Superior Court Criminal/traffic
10  CA Orange Superior Court Criminal/traffic
11  CA Orange Superior Court Criminal/traffic
12  CA Orange Arrest
13  CA Orange Superior Court Criminal/traffic
14  CA Orange Superior Court Criminal/traffic
15  CA Orange Superior Court Criminal/traffic
16  CA Orange Superior Court Criminal/traffic

He has been very active on LinkedIn.com seeking broker and other referral business, gaining several Leasing News Bulletin Board Complaints (5)

1. June 28, 2013 arrest
   http://leasingnews.org/PDF/June282013arrest.pdf
2. Arrested June 3, 2013
   leasingnews.org/PDF/DALLINHAWKINSArrestedJune032013.pdf
3. Arrested February 9, 2012
   http://mugshots.com/US-Counties/Utah/Salt-Lake-County-UT/Dallin-Brad-Hawkins.6998553.html
4. Orange County, California
   leasingnews.org/PDF/HawkinsCaliforniaarrestrecord_62013.pdf
   
   
5. Integrity Financial Groups, Murray, Utah
   Bulletin Board Complaint
   http://leasingnews.org/archives/Aug2012/8_16.htm#bbc
   Integrity Financial Groups, Murray, Utah
   Bulletin Board Complaint
   http://leasingnews.org/archives/Aug2012/8_16.htm#bbc
   Integrity Financial Groups, Murray, Utah
   Bulletin Board Complaint
   http://leasingnews.org/archives/Jul2012/7_09.htm#bbc
   Integrity Financial Groups, Murray, Utah
   Bulletin Board Complaint
   http://leasingnews.org/archives/Jan2013/1_28.htm#bbc

Classified Ads---Sales

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

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

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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### Press Release ###############################

ELFA Survey of Equipment Finance Activity
Reports Overall New Business Volume Grew 16.4% in 2012

Washington, D.C. — New business volume grew 16.4% in the equipment finance industry in 2012, according to the 2013 Survey of Equipment Finance Activity (SEFA) released today by the Equipment Leasing and Finance Association. The growth in volume was on par with the 16.5% increase reported for 2011, and well above the 3.9% increase reported for 2010 and the 30.3% decline in 2009. The SEFA, which is based on responses from 112 ELFA member companies, covers key statistical, financial and operations information for the $725 billion equipment finance industry.

ELFA also released a new companion report to the 2013 SEFA called the 2013 Small-Ticket Survey of Equipment Finance Activity. The new report, which focuses on small-ticket and micro-ticket equipment transactions among the SEFA respondents, found that new business volume in the small-ticket space grew by a moderate 3.8% in 2012.

William G. Sutton, CAE
ELFA President and CEO

“We are pleased to present the 2013 SEFA and the new 2013 Small-Ticket SEFA as the authoritative sources for industry information, and to serve as comprehensive performance metrics for equipment leasing and finance companies,” said William G. Sutton, CAE, ELFA President and CEO. “These studies show that the equipment finance industry is growing steadily, reflecting an improving U.S. economy.”

Survey highlights:
Key findings for 2012 as reported in the 2013 SEFA include:

Overall new business volume grew 16.4%.

• By market segment: All market segments showed growth in volume, except for the smallest segment. New business volume fell 4.7% for the micro-ticket segment but grew 13.1% for the small-ticket segment, 15.8% for the middle-ticket segment and 31.1% for the large-ticket segment.

• By organization type: Banks saw the strongest increase in new business volume (22.2%), while captives saw their volume grow by 10.8% and independent equipment finance organizations saw a 7.4% increase.
• From an asset perspective, the equipment types that saw the largest year-over-year increases in new business volume included transportation (34.4%); mining, oil and gas extraction (31.4%); and industrial/manufacturing (22.3).
• Delinquencies remained steady between 2011 and 2012. Full-year losses or charge-offs also fell well below 1.0% overall.
• Employment levels remained stable, though headcount by function reflected a decline in collections and services, juxtaposed with an increase in sales and marketing, credit approvals and booking.
• Given the current financial markets, cost of funds continued to decline. Competitive pressure drove pre-tax spreads lower in 2012 to just above 3%, on par with the lowest levels in five years.
• Credit approvals increased, and the percentage of approved applications that were booked and funded remained steal
  
• Net income remained steady between 2011 and 2012 in dollar terms. Return on average equity also remained healthy at 14.45%.

About the 2013 SEFA

The SEFA is the broadest compendium of industry data, comprising a representative cross-section of equipment lease and loan origination by product, structure and origination. It provides a baseline and benchmark for companies operating in the equipment finance space through a voluntary survey of ELFA member companies.

PricewaterhouseCoopers LLP administered the 2013 SEFA. The results were compiled from surveys sent to 325 eligible ELFA member companies in the first quarter of 2013. A total of 112 companies submitted 2012 U.S. domestic lease and loan data. The respondents include nine ELFA members in the 2012 Monitor Top 10 list of the largest U.S. equipment finance organizations and 36 ELFA members in the 2012 Monitor Top 50.

The data are presented by organization type (bank, captive, independent); market segment (micro-ticket, small-ticket, middle-ticket, large-ticket); organization size (under $50 million, $50-$250 million, $250 million-$1 billion, over $1 billion); and origination business model (direct, captive, vendor, third-party, mixed). For most categories, data is reported for the past two fiscal years, 2012 and 2011.

Equipment types financed, as explored in the survey, include agriculture, aircraft, construction, computers, office machines, telecommunications, rolling stock, printing, medical, industrial, trucks and trailers and other equipment types. Types of financing offered by the equipment finance companies include tax-oriented finance leasing, short-term operating leases, leveraged leases, conditional sales agreements, off-balance sheet loans and tax-exempt leasing.

About the 2013 Small-Ticket SEFA

The Small-Ticket SEFA is a new companion report to the SEFA that focuses on respondents’ small-ticket portfolios, including both micro-ticket (up to $25,000) and small-ticket ($25,000 to $250,000) transactions. Respondents were asked a separate set of questions pertaining only to their small-ticket operations, and the data is compiled in the companion report.

How to Access the SEFA

Participation in the SEFA is a benefit of membership in ELFA. Member-respondents receive a complimentary copy of the Survey Report, as well as confidential Individual Company Data Sheets, which show the individual company’s statistics ranked against a peer group. Non-respondents may purchase the 2013 SEFA and the 2013 Small-Ticket SEFA from www.elfaonline.org/SEFA.

About ELFA

The Equipment Leasing and Finance Association (ELFA) is the trade association that represents companies in the $725 billion equipment finance sector, which includes financial services companies and manufacturers engaged in financing capital goods. ELFA members are the driving force behind the growth in the commercial equipment finance market and contribute to capital formation in the U.S. and abroad. Its more than 575 members include independent and captive leasing and finance companies, banks, financial services corporations, broker/packagers and investment banks, as well as manufacturers and service providers. ELFA has been equipping business for success for more than 50 years. For more information, please visit www.elfaonline.org and follow ELFA on Twitter @elfaonline.

##### Press Release ############################

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##### Press Release ############################

Marlin Business Services/Union Bank Launch New Financing Program

New Alliance Will Provide Union Bank Customers Comprehensive Equipment Finance Service, Expertise

(Marlin appears both on www.leasingcomplaints.com and www.evergreenleasingnews.org)

MOUNT LAUREL, N.J., -- Marlin Business Services Corp. (Nasdaq:MRLN) and Union Bank, N.A., have formed a strategic alliance to provide financing solutions for Union Bank's customers throughout the United States.

The new alliance helps Union Bank offer enhanced service to its business customers looking to finance their investment in equipment. Marlin's breadth of experience across a full range of equipment categories will benefit Union Bank's large customer base, providing them with a cost-effective option to acquire equipment and technology.

Dan Dyer, Co-founder
CEO, President
Marlin Business Services

"We are excited that Marlin's Bank Outsourcing Team is working with Union Bank to enable them to offer their customers flexible financing plans, competitive terms and the highest quality customer service," said Dan Dyer, Marlin's Chief Executive Officer. "Our strategic alliance will provide Union Bank customers with direct access to our turnkey equipment financing solutions."

Todd Hollander
Exec. VP, Business Banking
Union Bank

"We look forward to a successful relationship with Marlin Business Services Corp.," said Union Bank Executive Vice President Todd Hollander, head of Business Banking. "Partnering with Marlin gives our customers greater access to exceptional equipment finance expertise with a streamlined structure on both ends as our customers will initiate the process through their existing Commercial Banking relationship."

About Marlin Business Services Corp.

Marlin Business Services Corp. is a nationwide provider of innovative equipment financing solutions for small and mid-size businesses. Since its inception in 1997, Marlin has financed a wide array of commercial equipment and software for a quarter of a million business customers. Marlin's mission is to offer convenient and cost-effective financing products while providing the highest level of customer service. Marlin is publicly traded (Nasdaq:MRLN) and owns and operates a federally regulated commercial bank, Marlin Business Bank. For more information, visit www.marlincorp.com or call toll free at (888) 479-9111.

About UnionBanCal Corporation & Union Bank, N.A.
Headquartered in San Francisco, UnionBanCal Corporation is a financial holding company with assets of $97 billion at March 31, 2013. Its primary subsidiary, Union Bank, N.A., is a full-service commercial bank providing an array of financial services to individuals, small businesses, middle-market companies, and major corporations. The bank operated 443 branches in California, Washington, Oregon, Texas, Illinois, and New York as well as two international offices, on March 31, 2013. UnionBanCal Corporation is a wholly-owned subsidiary of The Bank of Tokyo-Mitsubishi UFJ, Ltd., which is a subsidiary of Mitsubishi UFJ Financial Group, Inc. Union Bank is a proud member of the Mitsubishi UFJ Financial Group (MUFG, NYSE:MTU), one of the world's largest financial organizations. Visit www.unionbank.com for more information.

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Leasing Industry Help Wanted

Leasing Coordinator West Los Angeles, California Grow with us: coordinate credit, documents, funding, and all processing--- helping small to medium size businesses survive as well as improve their profit. Dakota Financial is a small family style run company. Speak directly to the person in charge: Michael Green (310) 6969 3030 x 124 www.dakotafinancial.com We fund traditional leases as well as sale-leasebacks, private party sales, start-ups, and owner/operators from $10,000 up to $250,000.

Positions Available in Irvine and San Diego Funding Coordinators and Credit Analysts 1 year experience preferred, salary/benefits Funding Coordinator description: click here Credit Analyst description: click here Resumes: dean@cflbc.com

www.cflbc.com Commercial Finance & Leasing Bank of Cardiff, Inc, a finance lender licensed pursuant to the California Finance Lenders Law, license #603G469

Small Ticket Leasing Sales Reps No Book/Relationships Required No Need for Relocation Chicagoland/Northeast/Southern Cal Contact: info@riirecruit.com www.riirecruit.com "Committed to our Clients to Produce Timely and Effective Results"

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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Leasing 102
by Mr. Terry Winders, CLP

Lease Classification

The new accounting rules are going to create a large problem for a number of reasons. The capital lease approach that makes leases look like loans on the balance sheet is going to cause many new lenders to think they can account for leases on a loan software program. We currently have that problem today because many lenders that avoid residuals book leases on their loan software.

A true lease that qualifies for tax treatment means the requirement for the lessor to take the lease payment as income off set by the allowed depreciation is in jeopardy because there is little information maintained to inform the tax accountant that this was not a non-tax lease. In addition, when a request for an early payoff occurs, the difference between book payoff and tax reconciliation can cause a difference that results in not computing a correct payoff.

If you look at the difference between a lease intended as a security (a sales finance lease), a true tax lease, a municipal lease, and a TRAC lease knowing that they all will be booked as capital leases, how does the tax accountant know how to prepare the tax return? To begin with the reported yearly income for each type of lease will be different.

Income from capital leases is the interest received, and it can be recorded as tax income on sales finance leases. In addition if it is a sales finance lease the lessee is allowed the MARCS depreciation. Tax income for the lessor is the interest.

In tax motivated leases and TRAC leases that will be booked as capital leases, the lessee should record the lease payment as lease expense for income tax instead of the interest and depreciation. Therefore the lessor uses the full payment as income for income tax and is allowed the MACRS depreciation. The question is where does the lessee record these leases so the balance can be reconciled if an early payoff? MACRS depreciation is different that book depreciation making the unpaid balances different.

The trouble is MACRS depreciation is accelerated for income tax and booked depreciation is straight lined so when an early payoff is requested they must be reconciled .The lessor is “selling” the leased equipment to the lessee not just receiving the balance. The “un-depreciated balance” for the lessors MACRS is usually lower than the lessors book balance requiring an income tax recovery equal to the difference between the tax balance and the book payoff

An additional problem develops when the lessor increases the payoff to cover the additional tax to reconcile the two balances; however, this increases the sale price which in addition increases the tax.

I have visited many bank who have only accepted the book balance as a payoff and finds a major tax problem that causes a loss of a lot of tax dollars.

Currently there is not a lot of tax leases being booked because we have focused on the accounting rules--- but now that operating leases are in there twilight months tax leases and the advantages offered by residuals and increased tax write offs will once again become the focus and the volume will increase. TRAC leases remain popular.

The differences between the different type of leases will require methods to separate them in the bookkeeping process to make tax preparation easier and correct.

Mr. Terry Winders, CLP, has been a teacher, consultant, expert witness for the leasing industry for thirty-five years and can be reached at terrywinders11@yahoo.com or 502-649-0448

He invites your questions and queries.

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

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

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New Hires---Promotions

Michael T. Brooks was appointed by GATX Corporation, Illinois as "senior vice president, operations and technology. Mr. Brooks will assume responsibility for Rail North America’s maintenance operations in addition to his current role leading the information technology department." He joined the company January, 2008 and remains SVP & Chief Information Officer. Prior he was VP & chief information officer, constellation NewErgy (October, 2003-January, 2008), sr. manager, Accenture (July, 2000-October, 2003), senior principal consultant, Oracle (July, 1999-July, 2000), manager, Andersen Consulting (February, 1998-June, 1999), sr. manager, the Barrington Consulting Group (January, 1993-January, 1998). Executive Committee Member Ravinia Associates Board (2008-Present), University of Georgia Computer Science Advisory Board (2012 – Present). German language. American University- Kogod School of Business, MBA, Accounting, The University of Georgia ,BA, Economics
www.linkedin.com/in/michaeltoddbrooks

Thomas A. Ellman was appointed by GATX Corporation, Chicago, Illinois as "executive vice president and president, Rail North America. In this role, Mr. Ellman will continue to oversee the commercial activities of GATX’s North American Rail business and will assume responsibility for its operational activities." He remains vice president & commercial officer, GATX Corporation, joining the company October, 1993. Prior he was senior vice president, asset management, GE Railcare Services (December,2003-October, 2006). Northwestern University - Kellogg School of Management MBA, Finance, Marketing (1994 – 1997).
www.linkedin.com/pub/thomas-ellman/38/108/1a4

Lily Shen was named Chief Financial Officer of CIT Vendor Finance Asia, based in Shanghai. "(She)... will be responsible for financial and regulatory reporting, financial planning, pricing and accounting practices, as well as funding and tax for CIT Vendor Finance Asia...Shen has nearly 16 years of experience in financial services and consulting. She was most recently with HSBC where she held various roles of increasing responsibility in controllership, financial planning and analysis and treasury. Prior to HSBC, Shen spent nearly four years with KPMG as an auditor. She holds a B.A. in Business Administration from Shanghai University of Finance & Economics and is a licensed CPA and a member of the Association of Chartered Certified Accountants (ACCA)."

Ian Robertson has joined The Alta Group, Reno, Nevada, as Principal of Invigors Asset Management, a new asset management and lifecycle advisory practice. "A globally experienced asset management and remarketing professional, Robertson brings over 15 years of international experience to Invigors, having worked in the UK, France, Germany, Switzerland and the Netherlands. In over 6 years at De Lage Landen, Robertson managed a €25bn leasing portfolio with €3.4bn of residual risk while growing asset management income to €100 million in 2012.

Robertson was previously responsible for Portfolio Management and Market Development within Asset Management across Europe and Asia for Siemens Financial Services. In this role he drove significant asset management income improvement and also implemented a systematic and effective approach to portfolio management. Prior to this he held senior positions with CIT/Dell Financial Services, WR Grace and PA Consulting.

Paul F. Titterton was appointed by GATX Corporation, Illinois as "vice president and chief commercial officer, responsible for GATX’s North American railcar sales, fleet, structured finance and customer experience activities." He remains as vice president and group executive, fleet management, marketing, and government affairs, joining the company in August, 1997 as associated director, corporate finance, then appointed director, structured transactions, GATX Rail (December, 2002-April, 2007), vice president, strategic growth (April, 2008--October, 2008), vp and executive director, fleet portfolio management (October, 2008-November, 2011). He was member, management committee, AAE Cargo AG (April, 2008-December, 2011) and remains director, Providence and Worcester Railroad Company (January, 2008-Present).Harvard College, BA with Honors, History (September 1993 – June 1997). Wrote senior honors thesis on the impact of state regulation and the relative economic health of carriers on labor relations outcomes in the rail industry in the post WWII era. Activities and Societies: Treasurer (1996), Public Relations Director (1995), and member of the Board of Directors (1994-1997) of the Harvard-Radcliffe Gilbert and Sullivan Players. Served as producer, stage manager, lighting designer, and master electrician for over 3-dozen theatrical productions. Pleasantville HS (1989 – 1993).
www.linkedin.com/pub/paul-titterton/0/2b/87

“What is Legal and Illegal for an Employer to Ask?”
Career Crossroad---By Emily Fitzpatrick/RII

Question: When interviewing, what is considered a “legal” and what is considered an “illegal” question; more importantly, how do I handle this?

Answer: Different occupations can ask certain questions, such as what do you weigh in requiring a job where it is important to do your duties, such as being a fireman.

In leasing and finance, it is quite different. However, being asked an “illegal” question can be stressful –meaning one where the question that delves into your private life or personal background. This type of question may make you uncomfortable.

First, your goal is to overcome your discomfort (do not get angry!) Remember, you may not be dealing with a person who is an experienced interviewer. A professional knows the rules.

You want to get the job offer, and any self-righteousness or defensive reaction on your part will ensure that you are not considered as a potential Candidate. Do not be the “litigious” Candidate – reputation is everything! Don’t be a “know-it-all!”

In general, the federal law forbids employers from discriminating against any person based on sex, age, race, national origin, religion, disabilities, etc…

An interviewer may not ask about:

• Religion, religious holidays you observe nor political beliefs or affiliation
  
• Ancestry, national origin or parentage
• Naturalization status of your parents, spouse or children
• Your birthplace

Sample Response: You can respond with “… I make it my practice not to involve my personal beliefs in my work – my career is too important for that …”

However, due to immigration laws, and the Patriot Act, they may ask whether you are a US citizen or a resident alien with the right to work in the United States

Be aware the interviewer may be asking innocently and may be unaware of the laws; being conversational. I recommend in these circumstances that it is best is to be polite and straightforward.

Remember: If you are uncomfortable, perhaps this is not the company for you.

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.htm

Small Ticket Leasing Sales Reps No Book/Relationships Required No Need for Relocation Chicagoland/Northeast/Southern Cal Contact: info@riirecruit.com www.riirecruit.com "Committed to our Clients to Produce Timely and Effective Results"

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Repossessing Vehicles: Three Cases
---Three Different Results
By Tom McCurnin
Leasing News Legal News Editor

Three Different Repossession Cases Show Shades of Grey in Legal Standards for What Might Be A “Breach of the Peace.”

Wecker v Crossland Group, 939 N.Y.Su.2d 481 (N.Y. App. Div. 2012)

[Held repossessing company which sub-contracted out repossession is not a secured party liable for breach of the peace]

Smith v AFS Acceptance, 2012 WL 1969415 (N.D. Ill. 2012)

[Held, towing vehicle with daughter in the car, while family members screamed was actionable].

Marcum v Eastman Credit Union, 2012 WL 1820865 (E.D. Tenn. 2012)

[Held, where borrower sleeping in car when towed, was not a breach of the peace once vehicle was in flow in traffic].

As lawyers in the ivory tower, we all know that a creditor may not repossess equipment if it causes a ‘breach of the peace.” However, what is a breach of the peace? These three cases, with three different results, demonstrate some inconsistency on how this principle is applied:

In Wecker v Crossland Group, 939 N.Y.Su.2d 481 (N.Y. App. Div. 2012), there was no question that the repossessing company’s employee physically assaulted the debtor. There was no question that the secured party could not delegate this duty and was responsible for the torts. However, the question was whether the company which was retained to repossess the equipment, but sub-contracted the work to another company was liable. The answer is that since the original company was neither the repossessing company, nor the secured party, it was not liable.

In Smith v AFS Acceptance, 2012 WL 1969415 (N.D. Ill. 2012), during the repossession, the debtor and his daughter opened the car door and jumped in the car to stop the repossession, that this was a repossession. The secured creditor argued that the repossession was complete because the vehicle was already hooked up.

The Court held that it was not complete and that the debtor stated a claim under the Fair Debt Collection Practices Act.

In Marcum v Eastman Credit Union, 2012 WL 1820865 (E.D. Tenn. 2012), the borrower was apparently sleeping in his car (with tinted windows), and the repossessing company hooked up the car and drove away into traffic, when the borrower made his presence known.

The Court ruled that the repossession was complete, when the tow truck was in the flow of traffic, albeit the “flow of traffic” was a traffic lane within the parking garage. Therefore, there was no breach of the peace.

What are the lessons for secured creditors here?

Well, perhaps one lesson is that the law theories, when applied to facts, often varies, and the result may be unpredictable. Another lesson is that faced with such unpredictability, perhaps the secured creditor might want to throw some money at the case and make it go away rather than chose to litigate the matter.

Wecker Case 1
http://leasingnews.org/PDF/WeckerCase1_72013.pdf

Wecker Case 2
http://leasingnews.org/PDF/WeckerCase2_72013.pdf

Wecker Case 4
http://leasingnews.org/PDF/WeckerCase3_72013.pdf

Tom McCurnin is a partner at Barton, Klugman & Oetting in Los Angeles, California.

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

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

Why I Became a CLP

Donna Wesemann, CLP
Vice President
Susquehanna Bancshares, Inc.
Susquehanna Commercial Finance, Inc.

During a troubling time in our industry when “leasing” was experiencing some negative media and our industry was misunderstood, I felt it important for vendors and customers to know they were working with a qualified and credible expert. I was also looking for a way to take my career up to the next level and pursue job advancement. The President of our company at that time, Ken Collins, had suggested taking the CLP courses and exam. Studying and taking the exam has made me more confident and positive. It has had a major impact on my professional progress by having my level of expertise understood and recognized.

During my many years in leasing and finance, my job responsibilities required the evaluation and decisions on choosing the right indirect business partners to develop a funding relationship with. Prospects that displayed the CLP designation, distinguished themselves as individuals and companies with a reputation of integrity, expertise and a higher standard of ethical practices. These were the individuals and companies that I choose to focus on and work with.

The test was challenging but the review class and handbook covers all the material. I would also recommend forming a study group or finding a mentor to work with. You will find yourself utilizing the knowledge you learned through your studies on a daily basis. The CLP designation will also open many doors for you during your career, give you the added confidence to represent yourself and your company and serve as a sales tool in competitive situations.

CLPs in Good Standing
http://www.clpfoundation.org/members/members.php

Why I Became a CLP series:
http://www.leasingnews.org/CLP/Index.htm

Working Capital Loans $10,000-$250,000
www.channelpartnersllc.com p: (763) 746-7760 f: (763) 592-8297 information@channelpartnersllc.com

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Leasing News Advisor
Dale Davis

Dale joined the Leasing News Advisor Board on January 26, 2007.

Dale R. Davis
President
Endeavor Financial Services
DDavis@EndeavorFS.net
(877) 727-4327, ext. 207
(877) 337-3227
www.EndeavorFS.net

Dale Davis is the President of Endeavor Financial Services. He has been active in the vehicle and equipment leasing business since 1978.

Dale was the President of the National Vehicle Leasing Association (NVLA) in 2005-2006. He was presented with the association’s Lifetime Achievement award in 2007.

Dale is a contributing author to “Foundations of Leasing", an industry publication. He is also active with local community groups and the Make-A-Wish Foundation.

Dale is married and has four children.

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10 Top Stories June 18-June 20
(You May Have Missed)

Here are the top stories opened by readers:

(1) Luckiest Man in California
Our Tom McCurnin
Leasing News Legal Editor
http://leasingnews.org/archives/Jun2013/6_26.htm#luckiest

(2) Banks and Leasing Regulations
Question from Banker
http://leasingnews.org/archives/Jun2013/6_24.htm#regs

(3) Berkshire Bank Recruits Experienced Leasing Business Unit
http://www.berkshirebank.com/about-us/news-room/media-room/press-and-media-releases/june-3

(Tie) (4) Archives---June 28, 2000
The Good Old Days
http://leasingnews.org/archives/Jun2013/6_28.htm#archives

(Tie) (4) Capital One laying off 145
www.bizjournals.com/washington/blog/2013/06/capital-one-cuts.html

(Tie) (4) Leasing 102 by Mr. Terry Winders, CLP
"The Ignorance Plea"
http://leasingnews.org/archives/Jun2013/6_24.htm#plea

(5) Scores of new Chevys stored for decades undriven finally up for sale
http://autos.yahoo.com/blogs/motoramic/scores-chevys-hidden-50-years-finally-sale-160911547.html

(6) Small Business Growth Is Happening Right Now
By Dave Choate, Direct Capital "Point Blank"http://leasingnews.org/archives/Jun2013/6_24.htm#growth

(7) Companies who notify lessee in advance of lease expiration
http://leasingnews.org/archives/Jun2013/6_26.htm#notify

(8) New Hires---Promotions
http://leasingnews.org/archives/Jun2013/6_28.htm#hires

(9) Texas Court Puts Road Block in Way of Servicer Suing on Behalf of Creditor By Tom McCurnin
http://leasingnews.org/archives/Jun2013/6_24.htm#texas

(10) Cities with the Most Abandoned Homes --You May Want to Avoid Marketing Here 24/7Wallst.com
http://leasingnews.org/archives/Jun2013/6_26.htm#cities

Leasing Coordinator West Los Angeles, California Grow with us: coordinate credit, documents, funding, and all processing--- helping small to medium size businesses survive as well as improve their profit. Dakota Financial is a small family style run company. Speak directly to the person in charge: Michael Green (310) 6969 3030 x 124 www.dakotafinancial.com We fund traditional leases as well as sale-leasebacks, private party sales, start-ups, and owner/operators from $10,000 up to $250,000.

4th of July Movies
by Leasing News' Fernando Croce

With the Fourth of July just around the corner, we at Leasing News are proud to recommend five movies (easily available at Netflix) that you get you laughing, cheering, and saluting.

Mr. Smith Goes to Washington (Frank Capra, 1939): Many critics nowadays dismiss Frank Capra (“It’s a Wonderful Life”) as a creator of corny fantasies, but the truth is that his pictures are much tougher and darker than their comfy reputation would suggest. Capra’s account of idealistic Jefferson Smith (beautifully played by James Stewart) and his fall from innocence when he comes to Washington not only shows how vulnerable the political system is to human venality, it also anticipates the government scandals of many years to come. With an extraordinary cast that includes Jean Arthur, Claude Rains and Thomas Mitchell, it’s a political film in the greatest sense—aware of injustice yet optimistic about humanity’s potential for change.

Yankee Doodle Dandy (Michael Curtiz, 1942): Who would have thought that it would take a foreign filmmaker to come up with the most patriotic of American movies? Austria-born director Michael Curtiz (“Casablanca,” “The Adventures of Robin hood”) pulled out all the stops in this irresistible celebration of America’s greatest features, from apple pie to the freedom of putting on a show. James Cagney won a well-deserved Best Actor Oscar for his portrayal of flag-waving composer and song-and-dance man George M. Cohan, who over the years went from child star at vaudeville shows to the country’s most beloved entertainer. Full of vintage tunes (“Yankee Doodle Dandy,” “You’re a Grand Old Flag,” “The Red, White and Blue”) and Cagney’s electrifying numbers, it’s the perfect Fourth of July movie.

1776 (Peter H. Hunt, 1972): What more fitting movie to celebrate 4th of July with than one whose historical plot builds up to the 4th of July? The Founding Fathers were never more tuneful than in this beloved adaptation of Peter Stone’s Broadway musical hit, which takes place at the dawn of the Declaration of Independence. As the colonies get ready to come together into a nation in the days leading to July 4th, 1776, the Declaration is still sorting out its obstacles, from news of military struggle to reactionary landowners. John Adams (William Daniels), Benjamin Franklin (Howard Da Silva) and Thomas Jefferson (Ken Howard) are the main characters, stirring the people and making history with a slew of famous melodic numbers, including “But Mr. Adams,” “Molasses to Rum” and “The Less of Old Virginia.”

Independence Day (Roland Emmerich, 1996): The U.S.A. takes to the interplanetary frontlines when aliens try to invade Earth. Director Roland Emmerich steals from just about every other science-fiction movie ever made, from “Earth vs. the Flying Saucers” to “Close Encounters of the Third Kind,” but succeeds in entertaining audiences thanks to an enthusiastic cast (including Will Smith and Jeff Goldblum). And what patriot could resist when, facing down the hordes of slimy creatures heading toward the planet, the American President (Bill Pullman) grabs the mike and delivers a speech that ends with: “We will not vanish without a fight! We're going to live on! We're going to survive! Today we celebrate our Independence Day!”

The Patriot (Roland Emmerich, 2000): For a more action-packed take on America’s fight for independence, check out this popular combination of historical drama and blockbuster thriller. Mel Gibson stars as Benjamin Martin, a haunted man who simply wants to leave peacefully with his family in his small South Carolina farm. But since the year is 1776 and skirmishes between local rebels and colonial forces are all around him, Benjamin must take a stand. When his home and loved ones are threatened by a sadistic British commander, he reluctantly but fiercely returns to his old fighting ways. Mixing the national with the personal, this is a robust, rousing crowd-pleaser from director Roland Emmerich, who had already given us “Independence Day.”

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Classified ads—

Leasing Industry Outsourcing
(Providing Services and Products)

Operations/Remarketing/Repossessions

Collector: Atlanta, GA Asset Recovery Specialist. We get your money or we get your > equipment back for you. Physical Asset Recovery Experts! mcrouse911@joimail.com	Collector: Cleveland, OH  Huntley Capital & Associates is your solution to late payments, no payments, and asset recovery. Call 216-337-7075.  Email: ghpatey@msn.com
Collections: Dallas, Texas Contingency Fee basis. Receivables Outsourcing. We are a fully bonded nationwide licensed agency. We collect for nationally known banks and leasing companies.  800-886-8088.	Collector: Los Angeles, CA Expert skiptracers covering Southern California. We locate skips, judgment debtors and collateral. When you can't get the job done in house, give us a call at 1-800-778-0794. E-mail: ceo@interagencyLA.com
Collector: Louisville, KY We are a full service collection agency with attorney network. 21 years experience. Please call Jon Floyd, VP at 1-800-264-6850  email: jfloyd@collectcsg.com	Collector: Louisville, KY  Euler Hermes/UMA 92 year old Global Receivables Outsourcing. Presence in 143 Countries. Work w/ 4 out of 5 Fortune 500 firms. Contingency Fee Structure. 20% off first time clients.! Andrew.Newton@eulerhermes.com 1-800-237-9386 x 205.
Collector: Mandeville, MI International commercial collection services all fees are on contingency on line access. E-mail: rmelerine@collect-now.com  www.drspay.com www.collect-now.com	Collector: Milwaukee, WI  We specialize in ATM machine reposession and remarketing. We can get you top dollar for your inventory. E-mail: bdperry1@yahoo.com
Collector: Nationwide End of lease negotiations & enforcement. Third-party collections. Skip-tracing. Background checks. Credit & asset investigations. 15+ years in leasing industry. Providing services to clients nationwide. 800-824-0234 johnkenny2@verizon.net	Collector: Saint Louis, MO Complete commercial collection agency. Licensed bonded in all states and will out performed any other agency! Call 1-800-659-7199 ext.315 E-mail:  jfloyd@lindquistandtrudeau.com
Consultant: Nationwide 25 yrs. experience: Creating/Refining Business Plans to raise capital· Credit Underwriting support/policy/procedure development · Operations Support/policy/procedure development. Call: 610-246-2178, McCarthy Financial, LLC,David.mccarthy@mccarthy-financial.com	Consultant: Burlington, CT We provide our clients with a full range of consulting services such as portfolio conversions, reconciliation, custom programming and leasing operations utilizing InfoLease.  Email: info@new-millennium-assoc.com
Consultant: Europe 15 years doing deals/running own technology leasing company – looking to advise/ lead new entrants to take advantage the European market opportunity. www.clearcape.co.uk kevin.kennedy@clearcape.co.uk	Consultant: Henderson, NV Focus on new business development and process efficiencies to create incremental revenue and profitability. Executive level vendor experience, and satisfied outsourcing clients. Incredible track record. E-mail: rbutzek@cox.net
Consultant: Sausalito, CA Lease trainer and consultant. 38 years in equipment leasing. Expert in transaction analysis, financial statement analysis, credit, packaging, structuring. Presents highly popular classes and workshops. E-mail:BoTei@aol.com	Consultant: North of Detroit, MI  INFOLEASE EXPERT - 18 years experience. Since being downsized in 2002, working as a consultant for several leasing companies. Seeking consulting projects nationwide.  E-mail: darwint@prodigy.net
Consultant: Ridgefield CT. Lisa Lersner w/20 years exp. specializing in leasing technology now providinglessor selection andmanagement services, includingthe securing of debt and equity and acquisition guidance services. Email: CLick Go to www.leasefinanceconsulting.com	Communications:Chassell, MI Cartoons on business, finance & computers. Use for your presentations, website, newletter, direct mail projects etc. Fees are negotiable.  Email: dan@danscartoons.com  http://www.danscartoons.com

Border Collie
Murray, Utah Adopt-a-Dog

SHAKIRA - ID#A065031

“I am a spayed female, black and white Border Collie mix.

“The shelter staff think I am about 1 year and 2 months old.

“I have been at the shelter since May 02, 2013.”

Dogs/ puppies 7 months of age or older $75

(801) 261-2919 ext: 227
Utah Humane Organization
4242 S. 300 W.
Murray, UT 84107
http://www.utahhumane.org/adoptions/adoption-listings/dog-listings

Monday - Saturday: 10:00 AM - 7:00 PM
Sunday: 12 Noon - 4:00 PM

Adoption Fees INCLUDE mandatory spay/neuter operation and first distemper combination immunization, plus deworming, cardboard carrier for cats or leash for dogs, and free physical examination at participating private veterinarians. Second distemper immunization is due in four (4) weeks at your cost.

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

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

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Happy Fourth of July from the Editor

            July 2, 1776- the Continental Congress, Philadelphia, PA, having a quorum, voted to adopt  a resolution introduced June 7, 1776, by Richard Henry Lee of Virginia: “Resolved, That these United Colonies are, and of right ought to be, free and independent States, that they are absolved from all allegiance to the British Crown, and that all political connection between them and the State of Great Britain is, and ought to be, totally dissolved. That it is expedient forthwith to take the most effectual measures for forming foreign Alliances. That a plan of confederation be prepared and transmitted to the respective Colonies for their consideration and approbation.”

 Contrary to widespread misconceptions, the 56 signers did not sign as a group and did not do so on July 4, 1776. Roads were extremely poor, travel was very difficult, and there was a war on. John Hancock and Charles Thompson signed only draft copies on July 4th.

It was also not unanimous, as New York did not agree until July 19th. The signing of the official declaration occurred Aug 2,1776, when 50 men officially signed the document. Later that year, five more  signed separately and one added his name in 1781.

July 3, 1776 ,John Adams wrote a letter to his wife “...the Second day of July, 1776, will be the most memorable Epoch, in the History of America...celebrated, by succeeding Generations, as the great anniversary Festival. When the letter was published in the nineteenth century, an editor changed the date of the letter to July 5, and had Adams advising his wife that the “Fourth day of July, 1776” would be honored as the anniversary of U.S. independence. Other newspapers picked up the story. It made the rounds just as Internet hoaxes do today, and has become the “traditional date.” Congress made July 4th a legal holiday in 1941.

As a point of trivia, George Washington ( the second president, but will leave that for another day in history,) very much disliked July 4th as it reminded him in 1754 that he surrendered Fort Necessity when attacked by a large French contingent from Fort Duquesne.  This defeat left the French in possession of the Ohio River Valley and Washington never forgot.  It was the last and most significant of the French and Indian Wars, occurring when a small force under his command in May defeated a reconnaissance party of French and Indians near Duquesne. Unable to proceed against the superior French forces in the fort, Washington erected Fort Necessity at nearby Great Meadows, only to lose it on July 4, 1754.

http://lcweb2.loc.gov/ammem/bdsds/lee.html

http://www.richardhenrylee.net/

The yellow flag with the rattlesnake in parts above "Don't Tread on Me" was the first official American Flag. It was adopted by Colonel Christopher Gadsden of South Carolina, who had it approved by the South Carolina Congress. It was first flown by Commodore Esek Hopkins, commander of the new Continental fleet, carried a similar flag in February, 1776, when his ships put to sea for the first time. On January 4,1776 it was flown as he landed in Bermuda and recognized as an American. This is considered the first naval battle of the Revolutionary War.

If there was a popular saying in the colonies, it was "Don't Tread on Me." This was aimed at the British, the Dutch, the French, the Spanish and others who were fighting to claim the new world as theirs. The settlers were a mixture, who fled the lifestyle of Europe and wanted to change their life: freedom, not rule by a monarch ( dictator.) One of the first things they did was to change the inheritance law. In Europe, everything went to the eldest son. In America, it was divided among all the males (and sometimes women were named, too).

First of all, social customs and things were different at the end of the 18th century. Yellow was not a "warning sign,” as it is today, but the most popular color for a flag.

Rattlesnakes did not have the meaning that they have today, as the population had not moved out past Pennsylvania and parts of Ohio, including Louisiana and Texas, who were not even territories at the time. The rattlesnake was one of Benjamin Franklin's and New England's favorite symbols. It was on many flags.

There were many farmers who found the reptile catching rodents, gophers, and they were used often as symbols on our flags and literature---not the connotation we have today from Westerns on TV and the movies.

As I said, things were quite different in those days. The early ports of commerce for Europe was Bermuda. It was also a favorite “pirate” hide out as it was in the main lane of commerce between the United States and Europe. Christopher Columbus was very popular as he discovered the area.  One of the controversies at the Constitution was many wanted to name the county the United States of Columbus, but a compromise was reached with the capital to be named the District of Columbia.

Esek Hopkins of Rhode Island was the first Commander-in-chief of the Continental Navy and severed until January 2, 1778. He also got into trouble with Congress for interpreting his orders rather broadly in diverting his fleet from its announced destination of Charleston to the Bahamas, where he made a successful raid on military stores.  His was the first Naval victory of the Revolutionary War. Congress sacked him anyway. Some say his real crimes were a hot temper and an unguarded tongue. Others say he had secret orders. Among his officers was First Lieutenant John Paul Jones “I have not yet began to fight,” who helped take New Providence. This was the first American naval victory. Commodore Hopkins flew on this first and on other voyages the Gadsden flag, designed by a man from Charleston, Carolina, with a coiled rattlesnake and the motto ``Don't Tread on Me.''

As an additional point, military troops of the day carried the Gadsen flag. The official stars and stripes was to come much later, and in reality, not adopted and changed to the format we know today where stars represent the states (not stripes) until the early 19th century. By 1818, the union consisted of 20 states. A Congressional act on April 4th mandated that the number of stripes be fixed at 13 and that one new star was to be added for each new state, the July 4 following its admission. However, nothing was written about what arrangement the stars should be in. We had the “Grand Star” flag for a while the stars were layered out in the form of a star) or staggered or not in rows. During the course of the Civil War, stars were not deleted, although the states succeeded. Stars also were not added the same year each state joined the union, as Congress became the body to make the proclamation.

Pledge of Allegiance" first published in a magazine called "The Youth's Companion." Authorship was claimed for James B. Upham and Francis Bellamy. In 1939 the United States Flag Association ruled that Bellamy was the author of the original pledge. The words, "under God" were added on June 14, 1954. In pledging allegiance to the flag, stand with the right hand over the heart or at attention. Men remove their headdress. Persons in uniform give the military salute. All pledge together: “I pledge allegiance to the flag of the United States of America and to the Republic for which it stands, one Nation under God, indivisible, with liberty and justice for all.”

History has not changed, but our viewpoint and opinions have such as the first flag, and most popular was the yellow flag and the rattlesnake was a popular symbol. Dates that we celebrate today were not celebrated then, and contrary to popular believe, the constitution meetings were always started with a prayer (often a different minister and a rabbi at several meetings, although most were Episcopalians) and ended with a prayer, too.

News Briefs----

World’s car market soared 3% in May 2013
http://www.focus2move.com/item/749-world%E2%80%99s-car-market-soared-3-in-may-2013-argentina-was-the-strongest-algeria-the-new?goback=%2Egde_76396_member_254361741

Fitch: U.S. high yield market has expanded 15% to $1.2 trillion
http://www.fitchratings.com/creditdesk/reports/report_frame.cfm

Financial Accounting Foundation Launches New Website
http://online.wsj.com/article/PR-CO-20130701-904727.html

QRS: 2013 Best Franchise Deals
http://www.qsrmagazine.com/franchising/2013-best-franchise-deals

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---You May Have Missed

Federal student Stafford loans doubled
http://www.pressdemocrat.com/article/20130701/ARTICLES/13070

[headlines]
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SparkPeople--Live Healthier and Longer

7 New Ways to Keep Your Vision Sharp
sparkpeople.com/blog/blog.asp?post=7_new_ways

[headlines]
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Baseball Poem

    Baseball: a Poem by Nancy Pham

Baseball is a simple game,
It's hard to find someone who does not know the name,
of Ruth or Gehrig or Mays
baseball can go back to the days
of horse drawn, up to horsepower
an amusement used to pass the hours
and minutes, and days, through a lifetime
like mine
the wonderful joy of horsehide on cowhide
the bat on the ball
spikes on the bag
dirt in your palms
grass under your feet
the white of the lines
the black on the plate
the mound, that's just there
the cap on your head
the wood in your hands
the perfect throw from center to home
from third to first
or that little flip from short to second
to complete
the most beautiful thing in the game
the double play
one…then two
perfection
like 90 feet in a faultless diamond
or 60 feet 6 in between
it's exciting,
the rundown
the homer
the triple
or triple play
the double down the left field line
the stolen base
or pickoff
it's boring,
the walk
the force play
the infield fly rule,
the ground-rule double
it's the stuff dreams are made of
Game 7
Bottom of the 9th
2 outs
bases loaded
and you hit the game winning homer
nothing
nothing
nothing
is better than that
nothing is better than baseball
a pure pastime
a childhood memory
a grown passion

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Sports Briefs----

Howard, Hawks meets; Lakers next
http://espn.go.com/los-angeles/nba/story/_/id/9443188/dwight-howard-meets-atlanta-hawks-los-angeles-lakers-finalize-pitch-according-sources

PGA bans long putters
http://sports.yahoo.com/news/tour-support-rule-involving-long-195059087--golf.html

Mark Sanchez 'buttfumble' now a silent movie
http://sports.yahoo.com/blogs/nfl-shutdown-corner/mark-sanchez-buttfumble-silent-movie-total-epic-win-162521525.html

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California Nuts Briefs---

West continues to suffer crazy hot weather locally and all over region
http://www.mercurynews.com/crime-courts/ci_23572957/west-continues-suffer-crazy-hot-weather-locally-and

BART strike: Commute chaos rages on as strike begins with no end in sight
http://www.contracostatimes.com/traffic/ci_23576022/bart-strike-commute-chaos-rages-strike-begins-no

BART strike costing Bay Area economy more than $73 million a day
http://www.mercurynews.com/business/ci_23578931/bart-strike-costing-bay-area-economy-more-than

BART strike has commuters scrambling
http://www.sfgate.com/bayarea/article/BART-strike-has-commuters-scrambling-4640123.php

Sobratos step down from running daily operations at the family's real estate
company
http://www.mercurynews.com/business/ci_23578505/sobratos-step-down-from-running-daily-operations-at

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“Gimme that Wine”

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

Work shut down at controversial Sebastopol vineyard project
http://www.pressdemocrat.com/article/20130628search

Kosta Browne Winery Acquires Keefer Ranch Block
http://www.winebusiness.com/news/?go=getArticle&dataid=118682

Wines Of Alsace USA Creates Campaign For Dry Alsace Riesling
http://www.prnewswire.com/news-releases/wines-of-alsace-usa-creates-campaign-for-dry-alsace-riesling-212792391.html

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

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

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

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

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