“What an Interviewer is Looking for”
Career Crossroad---By Emily Fitzpatrick/RII

Question: What are some characteristics an interviewer may be looking for?

Answer: Considering you have the education, experience and expertise required (meaning: you have the ability and are suitable), the interviewer / hiring manager will be considering:

Your Willingness:

• Are you the kind of Candidate prepared to do whatever it takes to help the team / company survive and prosper
  
• Are you prepared to go that extra mile
• If so – give examples from your career history?

Your Manageability:

• Are you able to work alone?
• Are you able to work with others?
• Are you able to take direction and criticism?

Your Ability to be a Team Player:

• Are you someone who gets along well with others, can step in when necessary and can “tolerate” others’ opinions or belief
• Again, provide examples (of course, leaving out any stories related to politics, religion, race, etc...).

Your Professional Behavior and Appearance:

• It is a trait that is one of the most desired by employers.
• Show you possess this trait through your actions and demeanor (arrive early, be personable to everyone - including the receptionist, be well prepared, have appropriate questions ready, conduct your research, look terrific and well groomed, etc…)

Your Ability to Problem Solve:

• Identify and list typical problems you have tackled for your employer (s) daily
• Demonstrate your problem-solving abilities with specific examples

Emily Fitzpatrick
Sr. Recruiter
Recruiters International, Inc.
Phone: 954-885-9241
Cell: 954-612-0567
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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The Problem with Accepting Late Payments
By Tom McCurnin
Leasing News Legal News Editor

A recent New York case, involving Twin Cities Financial underscores the problem with accepting late payments, after a Notice of Default has been issued and served.

In the case of TCF Equipment Finance, Inc. v. New Door of New York Corp., Slip Copy, 2011 WL 5041795 (N.Y. Sup. 2011), the Kings County Supreme Court was faced with a lease of woodworking equipment. The Debtor failed to pay and TCF issued, and the Debtor received, a Notice of Default for non-payment. However, after the Notice of Default, the Debtor made two payments aggregating about $18,000. TCF cheerfully cashed the check. However, unsatisfied with the response of the Debtor, TCF instituted a replevin action against the debtor for the equipment. The Debtor, of course, submitted affidavits as to conversations with the collections department as to waving the default, the content of which was denied by TCF.

The Court had no problem concluding that the lessor waived the default by accepting the late payments and denied the replevin.

Since TCF was located in the State of Minnesota, that law applied, and the Court construed the Minnesota case of Cobb v. Midwest Recovery Bureau Co., 295 N.W.2d 232 Minn. 1980). That case stands for the proposition that a creditor which routinely accepts late payments waives the default, thus requiring the creditor to send a new Notice of Default which explicitly states that despite the receipt of late payments, a default still exists.

This principle that a creditor risks waiving its default by accepting payments after a Notice of Default is well established, but not without controversy. In many states obtaining a waiver of default based on receipt of late payments is a tough row to hoe. See Speigle v. Chrysler Credit Corp., 56 Ala.App. 469, 323 So.2d 360 (Ala. 1975); Harty v. Underhill, 710 S.E.2d 327 (N.C.App. 2011).

Despite the dueling authority, any leasing company which accepts payments after a default has been declared risks waiving that default unless a new Notice of Default is issued.

Leasing attorneys drafting documents should include provisions which allow receipt of late payments without waiving a default. A good example of that kind of clause is contained in Ford Motor Credit Co. v. Ryan, 189 Ohio App.3d 560, 939 N.E.2d 891 (Ohio App. 2010).

For leasing professionals, the simple lesson of the TCF case is that the collections departments should not refer a case to litigation if the lessor has accepted payments after a Notice of Default was issued. The remedy is simply to issue another Notice of Default to the Debtor before sending the matter out for litigation. This simple step of getting one’s ducks in a row can save months of precious time and significant attorney fees.

TCF Equipment Finance Case-Westlaw (7 pages):
http://leasingnews.org/PDF/TCFCase.pdf

Tom McCurnin
Barton, Klugman & Oetting
350 South Grand Ave.
Suite 2200
Los Angeles, CA 90071
Direct Phone: (213) 617-6129
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

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

 

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Leasing 102
by Mr. Terry Winders, CLP

Making Money by Leasing

A fair amount of vendors and lease sales people think there is more money to be made by retaining leases instead of selling them off to a funding source for a fee. They would like to think that the margins they negotiate with the lessee that is retained by the funding source is loaded with profits.

I am asked on many occasions to help those who want to convert a sales portfolio into a lease portfolio so they can reap the profits imbedded within. However one should consider the basic costs of engaging in a leasing activity. Also there is the requirement to cover tasks that are not involved in a sales effort.

I am not saying that the sales effort is not the most important factor in having a lease portfolio because without a successful marketing effort the quality and volume of the portfolio would not exist. No marketing effort, no leasing company.

To start retaining lease business the first requirement is to have a current bookkeeping system that can keep track of the portfolio and allow for proper records. In addition someone is required to run the bookkeeping system and provide all of the duties and tasks required like billing, collecting, and day to day lessee inquires. Also a lease loss reserve needs to be established which will subtract from earnings and over time while it is being created you will have to take actual losses that will also reduce earnings.

Additional personnel are necessary for back office support like verifying insurance and filing of liens and credit decisions. These duties should be handled by a professional to limit losses and provide guidance on documentation.

There are companies who offer “back office” service to take over this function, including billing, collecting, day to day inquiries, and even bookkeeping. (1)

Income from a lease is spread over the term and therefore it takes a long time and a lot of volume to develop a monthly income to cover monthly expenses. For instance a $10 million volume in the first year spread over the twelve months with a 4% markup would only build up to $57,000 a month by year’s end before covering the lease loss reserve and all other expenses. It is considered that to cover the first years expenses it would take a capital base of $600,000 before break even could be accomplished.

Generally speaking it is wise to combine the retention of leases with a well-developed brokerage operation to develop the portfolio over time instead of just putting all the business on the books. In addition having several funding sources to handle a broad range of credits helps you to retain only the best credits to build your own business.

Vendors have the advantage of taking border line credits because they can remarket the repossessed equipment much faster and cheaper that you can.

There are some issues with a new portfolio that you have to consider. For example, there is more income and a faster growth if the transactions are of longer terms. However, a shorter term allows for a faster development of the lease loss reserve and a faster reduction of equipment risk or loss.

In the first few years of a lease portfolio losses will look low because of the growth rate so you need to watch collections very closely. It takes about three to four years to finally reach conformity with income and expense.

The timing of true profitability is a function of type to leases you retain and the margins in those deals. It is a long, long procedure and needs proper management and watching expenses very closely.

(1)Back Office Companies:
http://www.leasingnews.org/Ag_leasing/backoffice.htm

Back Office Companies Classified:
http://www.leasingnews.org/Classified/Outsourcing/Outsourcing.htm#sec3

Starting a Leasing Company-Four Parts
by Mr. Terry Winders, CLP

Part 1
http://leasingnews.org/archives/December%202009/12-21-09.htm#start

Part 2
http://leasingnews.org/archives/Jan2010/1_05.htm#starting

Part 3
http://leasingnews.org/archives/Jan2010/1_11.htm#part3

Part 4
http://leasingnews.org/archives/Jan2010/1_19.htm#part4

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

Mr. Terry Winders available as a consultant regarding assisting attorneys in resolving disputes or explaining procedures or reviewing documents as utilized in the finance and leasing industry. He is the author of several books, including DVD's, as well as weekly columnist to Leasing News. He also performs audits of leasing companies as an expert on documentation, and has acted as an expert witness on leasing for litigation in legal and tax disputes, including before the IRS. He also has taught the senior bank examiners, how to review a bank leasing department, for the Federal Reserve in Washington D.C. and has trained the examiners for the FDIC on how to prepare a lease portfolio for sale. 502.649.0448/terrywinders11@yahoo.com

(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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Leasing News Advisor
Ralph Mango

Ralph is our newest advisory board member, joining June 26, 2013. For many years he has contributed, recently become the Leasing News proof editor, checking spelling, grammar, punctuation, as well as noting other errors or making suggestions for the story. It is a pleasure working with him as he has a rich knowledge not only of leasing and finance history, but American history ("This Day in American History" one of his favorite features.)

Ralph is Project Management Coordinator for comScore, Inc., Reston, Virginia; a global digital analytics company providing online and mobile data and analytical tools to many of the world's largest enterprises, carriers, agencies, and publishers.

His role has been focused upon the telecom and mobile verticals and has included diverse projects involving FASB revenue recognition, process analytics, CRM effectiveness, marketing response analysis, training, knowledge sharing, and sales and client service support. 

Project Management Coordinator
comScore, Inc.
11950 Democracy Dr., Suite 600, Reston, VA 20190
telephone 703-234-8623; (c) 732-642-5008
ralphmango@hotmail.com

As a reader of Leasing News, Ralph has been a long time contributor and a resource of history . His background is quite unique to his present position as his equipment leasing past includes: region manager, Ingersoll-Rand Financial Services; vice president, NCR Credit; vice president of sales, AT&T Capital Corporation; sr. vice president, sales & marketing, Newcourt Financial; co-founder, vice president, general manager, Dell Financial Services; v.p. & general manager, Western Star Finance; director, Canon Financial Services; and vice-president, broker services, Marlin Leasing. He has broad and successful business unit general management experience in both indirect and direct equipment leasing as a captive lessor and vendor provider that began as a credit manager. He has also made the change into analytics as it relates to consumer demographics, adoption, and behavior in this digital age.

Ralph and Beth recently celebrated their 46th wedding anniversary, surrounded by their three daughters, four grandchildren, and two sons-in-law. An avid reader, Ralph also has been a lifelong baseball fan dating back to Ebbets Field and the Polo Grounds, and remains a die-hard Yankees fan. He also believes in getting his money's worth on the golf course as measured by the number of strokes!

 

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Top Stories July 22--July 26
(You May Have Missed)

Here are the top stories opened by readers:

(1) Leasing News is Not the National Enquirer
by Christopher Menkin, editor/publisher
http://leasingnews.org/archives/Jul2013/7_26.htm#leasing_news

(2) Ability Capital Solutions, Long Beach, California
$9,594.36 Bulletin Board Complaint
by Christopher Menkin, Publisher
http://leasingnews.org/archives/Jul2013/7_22.htm#ads_sales

(3) Ability Capital Solutions, Long Beach, California
$21,049 Bulletin Board Complaint (New Complaint)
http://leasingnews.org/archives/Jul2013/7_24.htm#bbc

(4) Umpqua CEO on Financial Pacific Leasing Purchase What to Look Forward to
http://leasingnews.org/archives/Jul2013/7_22.htm#umpqua

(5) PacWest-CapitalSource Merger No Surprise
Leasing Community Saw it Coming by Kit Menkin
http://leasingnews.org/archives/Jul2013/7_24.htm#merger

(6) Leasing 102 by Mr. Terry Winders, CLP
“Non-compete contracts”
http://leasingnews.org/archives/Jul2013/7_22.htm#compete

(7) Modern History of Leasing---abridged
Written by Tom McCurnin, Leasing News Legal Editor
and Christopher Menkin, Leasing News Editor
Part Four - “Where Do We Go From Here?”
http://leasingnews.org/archives/Jul2013/7_22.htm#history

(8) New Hires--Promotions
http://leasingnews.org/archives/Jul2013/7_26.htm#hires

(9) Archives---July 26, 2001
"We'll be there, too"
http://leasingnews.org/archives/Jul2013/7_26.htm#archives

(10) Top Ten Leasing Companies who process Credit Cards
http://credit-card-equipment-leasing.tccprankings.com/best-credit-card-terminal-leasing-companies

 

((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)

Black Taiwanese Dog
San Francisco, California Adopt-a-Dog

“This handsome, silly pup is quite mature for his age! Ray is about 32 pounds and just parted with his brother who was adopted by a wonderful family in SF. Ray is doing very well without his leader/brother, but since he is such a social and playful guy, Ray would do best and blossom in a home with another dog. Young Ray is about 7 months of age and does not have much more growing to do. He is a typical Taiwanese dog that does not have a specific breed appearance, but as close as we can describe he must have black Labrador in his heritage. He and his brother were flown to the US by a Taiwan rescuer that said they were the only two survivors from a litter that sadly had been poisoned.

“Ray’s personality is of a survivor’s nature because he has adapted very well to all kinds of situations like riding in a crate across the Pacific Ocean for 14 hours, playing at the dog park, living in our home with numerous other adult dogs, mastering local walking trails, and riding in the car. He does this all very courageously and with great enthusiasm and joy. “Ray-boy” says California is a pretty cool place to live! And he sure is glad he made the long journey. He is crate-trained, house trained, neutered, up to date on shots and ready to find a forever home!

“RAY NEEDS TO GO TO A HOME WITH ANOTHER DOG, as he does extremely well with a dog and was fostered with his brother since he was a puppy.”

Rocket Dog Rescue
adopt@rocketdogrescue.org
http://www.rocketdogrescue.org/
http://www.rocketdogrescue.org/about-us/

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/

 

News Briefs----

 

Bank profits soar in second quarter; tech lags
http://www.nbcnews.com/id/52604633/ns/business-us_business/#.UfXDfI3nukE

Unofficial Problem Bank List July 26, 2013
http://cr4re.com/PBL07262013.html

Are Companies Bluffing on Health Benefits?
http://www3.cfo.com/article/2013/7/health-benefits_affordable-care-act-aca-cepr-bls-census-unemployment

PC Industry Fights to Adapt as Tablets Muscle In
http://www.nytimes.com/2013/07/29/technology/pc-industry-fights-to-adapt-as-tablets-muscle-in.html?ref=business&_r=0

Tesla goes to China
http://www.mercurynews.com/business/ci_23737866/tesla-goes-china

Bank of Alameda being bought by Bank of Marin
http://www.mercurynews.com/ci_23579475/bank-alameda-being-bought-by-bank-marin

'The Voice' judges say their mission is not to make stars
http://www.contracostatimes.com/spotlight/ci_23749590/voice-judges-say-their-mission-is-not-make

Our 25 favorite Hollywood cowboys
http://www.sfgate.com/entertainment/slideshow/Our-25-favorite-Hollywood-cowboys-66932.php

• Contract Negotiations • Fraud Investigations  • Credit Investigations • Skip-tracing  • Third-party Commercial Collections John Kenny  Receivables Management For flat fee or commissions 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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---You May Have Missed

Son of Sonoma County's ravioli pioneers has a different taste
www.pressdemocrat.com/article/20130728/articles/130729569

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SparkPeople--Live Healthier and Longer

 

SparkPeople Apps
http://www.sparkpeople.com/mobile-apps.asp

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Baseball Poem

 Polo Grounds

Rolfe Humphries

Time is of the essence. The rhythms break,
More varied and subtle than any kind of dance;
Movement speeds up or lags. The ball goes out
In sharp and angular drives, or long slow arcs,
Comes in again controlled and under aim;
The players wheel or spurt, race, stoop, slide, halt,
Shift imperceptibly to new positions,
Watching the signs according to the batter,
The score, the inning. Time is of the essence.

Time is of the essence. Remember Terry?
Remember Stonewall Jackson, Lindstrom, Frisch,
When they were good? Remember Long George Kelly?
Remember John McGraw and Benny Kauff?
Remember Bridwell, Tenney, Merkle, Youngs,
Chief Meyers, Big Jeff Tesreau, Shufflin' Phil?
Remember Mathewson, Ames, and Donlin,
Buck Ewing, Rusie, Smiling Mickey Welch?
Remember a left-handed catcher named Jack Humphries,
Who sometimes played the outfield, in '83?

Time is of the essence. The shadow moves
From the plate to the box, from the box to second base,
From second to the outfield, to the bleachers.

Time is of the essence. The crowd and players
Are the same age always, but the man in the crowd
Is older every season. Come on, play ball!

 

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Sports Briefs----

Ravens say TE Pitta out for year, sign Shiancoe
http://news.yahoo.com/ravens-te-pitta-sign-shiancoe-221402679.html

Broncos lose center Dan Koppen to torn ACL
http://sports.yahoo.com/blogs/nfl-shutdown-corner/report-broncos-lose-center-dan-koppen-torn-acl-203255783.html

49ers linebacker Darius Fleming suffers knee injury
http://www.contracostatimes.com/news/ci_23750089/49ers-linebacker-darius-fleming-suffers-knee-injury

Harbaugh wants to find ‘solution’ to Tarell Brown’s contract mix-up
http://blog.sfgate.com/49ers/2013/07/28/harbaugh-wants-to-find-solution-to-tarell-browns-contract-mix-up/

 

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California Nuts Briefs---

Firefighters Pointed Out Teen in Asiana crash
http://www.sfgate.com/bayarea/article/Events-leading-to-air-crash-victim-being-run-over-4691434.php

SFO Worries over Asiana's Landing Record
http://blog.sfgate.com/matierandross/2013/07/28/sfo-worries-over-asianas-landing-record/

 

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“Gimme that Wine”

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

Marc Mondavi applies a special talent to vineyards
http://napavalleyregister.com/lifestyles/food-and-cooking/wine/marc-mondavi-applies-a-special-talent-to-vineyards/article_291e64d4-f5aa-11e2-a23a-0019bb2963f4.html

Domaine Chandon turns 40
http://www.mercurynews.com/bay-area-living/ci_23693287/wine-domaine-chandon-turns-40

Wine access device transforms how wine is served, sold, and enjoyed
http://www.winebusiness.com/blog/?go=getBlogEntry&dataId=119641

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

     1603 - Bartholomew Gilbert was killed in the colony of Virginia by Indians, during a search for the missing Roanoke colonists.
    1776 - Silvestre de Escalante and Francisco Dominguez, two Spanish Franciscan priests, leave Santa Fe for an epic journey through the Southwest. Escalante and Dominguez hoped to blaze a trail from New Mexico to Monterey, California, but their main goal was to visit with the native inhabitants and convert as many as possible to the Catholic faith. Traveling through high mountain passes, Escalante and Dominguez began to encounter fierce snowstorms. Accustomed to desert living, the priests were unequipped to deal with snow and bitter cold, and they soon ran short of provisions. They abandoned the goal of reaching California and headed back for Santa Fe. During the long journey home, they very nearly starved to death. The men ate their horses first. When the horseflesh was gone, they ate only prickly pear cactus. On January 2, 1777, the exhausted men staggered into Santa Fe. They had traveled nearly 1,700 miles in just 159 days through some of the roughest country in the southwest, yet all nine members of the party made it home safely. Escalante's written account of the expedition became an essential guide to future explorers. 
    1810-The third U.S. Census recorded a population of 7,239,881, an increase of 1,931,398 over 1800. Black population rose by 481,361 to 1,378,110. Of this total, 186,746 were “free citizens,” a group omitted in the 1800 census. The center of population moved to a point 40 mils northwest of Washington , D.C. 
    1846 - Sailors and Marines from U.S. sloop Cyane capture San Diego, CA.
    1848-Harris Treaty with Japan , opening commerce while the Japanese 
objected and wanted to remain “isolationist.” 
( lower half of: http://memory.loc.gov/ammem/today/jul29.html ) 
    1849-Mass meeting at Rose's Bar on the Yuba River about Col. Thomas Jefferson Green's slaves working in the gold fields. A resolution was passed that said "that no slave or negro should own claims or even work in the mines." The meeting demanded that the slaves be gone by the next morning. 
    1864-Both the Democratic and Republican Convention were looming ahead. The presidential election while the Civil War was being fought posed special problems. in the North, there was considerable dissatisfaction with the progress being made in defeating the Confederacy, so President Abraham Lincoln did not think his chances of reelection were good. The Democrats were split between those who supported the war and those who wanted peace at almost any price. The Democratic nominee was General George B. McClellan, commander of the Union Army, who had let several opportunities for victory slip away. The Democratic platform called for peace through reunification of the states, but did not say how this was to be done. Fortunately for Lincoln and the Republicans, several important military victories perhaps influenced the outcome, such as the Battle of Mobile Bay in August, Sherman taking Atlanta , GA in September, and General 
Sheridans significant victory in October (famous at the time become the poem,” Sheridan 's Ride” by Thomas Buchanan, which dramatized the general's return to the field. Lincoln beat McClellan with 212 electoral votes to his 21, popular vote 2,216,067 to McClellan, 18,808, 725, as key states all went to Lincoln . General Sherman in November marched to the sea with 62,000 men, destroying everything useful to the Confederates and raving the countryside. The South was cut in two. In less than six months, General Lee would surrender to General Grant and the ware was virtually ended. Five days later President Lincoln was assassinated. Andrew Johnson became president. 
    1870- Road pavement of sheet asphalt was laid on William Street , Newark , NJ by Professor Edward Joseph De Smedt of the American Asphalt Pavement Company, New York City . It was known as French asphalt pavement. 
    1887-Birthday of Timothy James (Tim) Mara, Po Football Hall of Fame executive born at New York , NY . Marra was a successful bookmaker who bought the New York franchise in NFL in 1925 for $500. His team, the Giants became one of the most successful in the league, withstanding challenges from early American Football Leagues; the All-America Football Conference of the late 1940's and the New York Jets of the AFL of the 1960s. Inducted into the Pro Football Hall of Fame as a charter member in 1963. Died at New York , Feb. 16, 1959. 
    1895-First National Convention of Black Women held in Boston , MA. 
    1898 - The temperature at Prineville , OR , soared to 119 degrees to establish a state record, which was tied on the 10th of August at Pendleton. 
    1900-Birthday of arranger/band leader Don Redman, Piedmont , West Virginia . 
http://www.redhotjazz.com/redman.html 
    1909-Birthday of Bernard Mackey ( Ink Spots ), Indianapolis , IN 
http://www.inkspots.ca/ 
http://inkspots.ca/ispress2.htm 
    1907-Birthday of the “King of Torts,” a friend of mine when 
I lived in San Francisco -he would always let you buy him a drink, 
Melvin Belli, born Sonora Calif. Died, July 9,1996 , San Franciscohttp://www.bellilaw.com/company.htm 
http://us.imdb.com/Name?Belli,+Melvin 
http://www.bwg-law.com/belli.html 
http://www.mistersf.com/farewell/fwbelli.htm 
http://www.amazon.com/exec/obidos/search-handle-url/index=books&field-author=Belli%2C%20Melvin%20M./103-2358920-6763062http://smart90.com/melvinbelli#movies 
http://www.law.harvard.edu/studorgs/forum/Belli.html 
    1915- US marines land in Haiti , stay until 1924http://www.gliah.uh.edu/database/article_display.cfm?HHID=193 
    1916-July 29, Charlie Christian Birthday 
http://www.duke.edu/~asr2/charlie.html 
http://www.gould68.freeserve.co.uk/charliec.html 
    1920 -First transcontinental airmail flight from New York . 
    1926—Birthday of great bowler Don Carter, St. Louis , MO. 
http://memory.loc.gov/ammem/today/jul29.html 
    1928-Walt Disney's "Steamboat Willie" is released 
    1930 -115ø F (46ø C), Holly Springs , Mississippi (state record) 
    1932-Birthday of Nancy Landon Kassenbaum, U. S. Senator from Kansas 1979-1996 and daughter of Alf Landon, the 1936 Republican nominee for president. Although a much-admired fiscal conservative, when she became chair of the Senate Labor and Education Committee in 1994, she admitted paying only $5,075 in taxes on an income of $92,000 and refused to show her tax return. She did not seek reelection. Soon after she left office she married a Republican former cabinet member under the Nixon administration Baker. She was appointed head of a committee to study the training of women following the sexual harassment scandals and recommended separate training facilities rather than insisting on men behaving. Predictably she came down on the side of separate training for men and women, a proposal that was ignored. 
    1932 - The Great Depression sent poverty-stricken Americans scrambling for any available source of income. Veterans of World War I certainly felt pinched, and cast about for ways to haul in cash, but, unlike Americans who hadn't fought in the war, the veterans seemingly had a solution: in the wake of the war, the government had promised to hand out handsome cash bonuses to all servicemen. The catch was the bonuses were to be paid out in 1945. In dire need of money, veterans called on legislators during the spring and summer of 1932 to speed up payment of the bonuses. President Herbert Hoover ordered the ousting of the vets who had decamped in government quarters. When the eviction proceedings turned ugly, and two veterans were killed, Hoover called on the army to disperse the remaining Bonus protesters. General Douglas MacArthur, and his young assistant Dwight Eisenhower, marshaled troops, tanks and tear gas in their war to send the stragglers home. Duly persuaded by this gross show of force, the remaining members of the Bonus Army headed home on July 29, 1932.
    1936-Birthday of Elizabeth Hanford "Liddy" Dole, now a US Senator from 
her home state. She married the chairman of the Republican party, U.S. Senator Bob Dole in 1975. She was appointed to head President Reagan's public liaison office, then was appointed U.S. Secretary of Transportation 1983-87, admittedly to answer the gender-gap problem Reagan faced for not appointing women to important positions in his administration. She was moved to head the Department of Labor 1989-90 by President Bush. In 1991 Bush appointed her the president of the American Red Cross. She ran for the presidential nomination but withdrew before the convention.
    1943---SCOTT, ROBERT S. Medal of Honor
Rank and organization: Captain (then Lieutenant), U.S. Army, 172d Infantry, 43d Infantry Division. Place and date. Near Munda Air Strip, New Georgia, Solomon Islands, 29 July 1943. Entered service at. Santa Fe, N. Mex. Birth: Washington, D.C. G.O. No.: 81, 14 October 1944. Citation: For conspicuous gallantry and intrepidity at the risk of his life above and beyond the call of duty near Munda Airstrip, New Georgia, Solomon Islands, on 29 July 1943. After 27 days of bitter fighting, the enemy held a hilltop salient which commanded the approach to Munda Airstrip. Our troops were exhausted from prolonged battle and heavy casualties, but Lt. Scott advanced with the leading platoon of his company to attack the enemy position, urging his men forward in the face of enemy rifle and enemy machinegun fire. He had pushed forward alone to a point midway across the barren hilltop within 75 yards of the enemy when the enemy launched a desperate counterattack, which f successful would have gained undisputed possession of the hill. Enemy riflemen charged out on the plateau, firing and throwing grenades as they moved to engage our troops. The company withdrew, but Lt. Scott, with only a blasted tree stump for cover, stood his ground against the wild enemy assault. By firing his carbine and throwing the grenades in his possession he momentarily stopped the enemy advance using the brief respite to obtain more grenades. Disregarding small-arms fire and exploding grenades aimed at him, suffering a bullet wound in the left hand and a painful shrapnel wound in the head after his carbine had been shot from his hand, he threw grenade after grenade with devastating accuracy until the beaten enemy withdrew. Our troops, inspired to renewed effort by Lt. Scott’s intrepid stand and incomparable courage, swept across the plateau to capture the hill, and from this strategic position 4 days later captured Munda Airstrip.
    1945--WHITTINGTON, HULON B. Medal of Honor
Rank and organization: Sergeant, U.S. Army, 41st Armored Infantry 2d Armored Division. Place and date: Near Grimesnil, France, 29 July 1944. Entered service at: Bastrop, La. Born: 9 July 1921, Bogalusa, La. G.O. No.: 32, 23 April 1945. Citation: For conspicuous gallantry and intrepidity at the risk of life above and beyond the call of duty. On the night of 29 July 1944, near Grimesnil, France, during an enemy armored attack, Sgt. Whittington, a squad leader, assumed command of his platoon when the platoon leader and platoon sergeant became missing in action. He reorganized the defense and, under fire, courageously crawled between gun positions to check the actions of his men. When the advancing enemy attempted to penetrate a roadblock, Sgt. Whittington, completely disregarding intense enemy action, mounted a tank and by shouting through the turret, directed it into position to fire pointblank at the leading Mark V German tank. The destruction of this vehicle blocked all movement of the remaining enemy column consisting of over 100 vehicles of a Panzer unit. The blocked vehicles were then destroyed by hand grenades, bazooka, tank, and artillery fire and large numbers of enemy personnel were wiped out by a bold and resolute bayonet charge inspired by Sgt. Whittington. When the medical aid man had become a casualty, Sgt. Whittington personally administered first aid to his wounded men. The dynamic leadership, the inspiring example, and the dauntless courage of Sgt. Whittington, above and beyond the call of duty, are in keeping with the highest traditions of the military service.
    1944--WHITTINGTON, HULON B. Medal of Honor Rank and organization: Sergeant, U.S. Army, 41st Armored Infantry 2d Armored Division. Place and date: Near Grimesnil, France, 29 July 1944. Entered service at: Bastrop, La. Born: 9 July 1921, Bogalusa, La. G.O. No.: 32, 23 April 1945. Citation: For conspicuous gallantry and intrepidity at the risk of life above and beyond the call of duty. On the night of 29 July 1944, near Grimesnil, France, during an enemy armored attack, Sgt. Whittington, a squad leader, assumed command of his platoon when the platoon leader and platoon sergeant became missing in action. He reorganized the defense and, under fire, courageously crawled between gun positions to check the actions of his men. When the advancing enemy attempted to penetrate a roadblock, Sgt. Whittington, completely disregarding intense enemy action, mounted a tank and by shouting through the turret, directed it into position to fire pointblank at the leading Mark V German tank. The destruction of this vehicle blocked all movement of the remaining enemy column consisting of over 100 vehicles of a Panzer unit. The blocked vehicles were then destroyed by handgrenades, bazooka, tank, and artillery fire and large numbers of enemy personnel were wiped out by a bold and resolute bayonet charge inspired by Sgt. Whittington. When the medical aid man had become a casualty, Sgt. Whittington personally administered first aid to his wounded men. The dynamic leadership, the inspiring example, and the dauntless courage of Sgt. Whittington, above and beyond the call of duty, are in keeping with the highest traditions of the military service. 
    1945 - Japanese warships sink the American cruiser Indianapolis, killing 883 seamen in the worst loss in the history of the U.S. navy. As a prelude to a proposed invasion of the Japanese mainland, scheduled for November 1, U.S. forces bombed the Japanese home islands from sea and air, as well as blowing Japanese warships out of the water. The end was near for Imperial Japan, but it was determined to go down fighting. Just before midnight of the 29th, the Indianapolis, an American cruiser that was the flagship of the Fifth Fleet, was on its way, unescorted, to Guam, then Okinawa. It never made it. It was torpedoed by a Japanese submarine. Interestingly, the sub was commanded by a lieutenant who had also participated in the Pearl Harbor invasion. There were 1,196 crewmen onboard the Indianapolis; over 350 died upon impact of the torpedo or went down with the ship. More than 800 fell into the Pacific. Of those, approximately 50 died that first night in the water from injuries suffered in the torpedo explosion; the remaining seamen were left to flounder in the Pacific, fend off sharks, drink sea water (which drove some insane), and wait to be rescued. Because there was no time for a distress signal before the Indianapolis went down, it was 84 hours before help arrived. This was despite the fact that American naval headquarters had intercepted a message on July 30 from the Japanese sub commander responsible for sinking the Indianapolis, describing the type of ship sunk and its location. (The Americans assumed it was an exaggerated boast and didn't bother to follow up.) Only 318 survived; the rest were eaten by sharks or drowned. The Indianapolis's commander, Captain Charles McVay, was the only officer ever to be court-martialed for the loss of a ship during wartime in the history of the U.S. Navy. Had the attack happened only three days earlier, the Indianapolis would have been sunk carrying special cargo-the atom bomb, which it delivered to Tinian Island, northeast of Guam, for scientists to assemble.
    1946-MAYFIELD, MELVIN Medal of Honor Rank and organization: Corporal, U.S. Army, Company D, 20th Infantry, 6th Infantry Division. Place and date: Cordillera Mountains, Luzon, Philippine Islands, 29 July 1945. Entered service at: Nashport, Ohio. Birth: Salem, W. Va. G.O. No.: 49, 31 May 1946. Citation: He displayed conspicuous gallantry and intrepidity above and beyond the call of duty while fighting in the Cordillera Mountains of Luzon, Philippine Islands. When 2 Filipino companies were pinned down under a torrent of enemy fire that converged on them from a circular ridge commanding their position, Cpl. Mayfield, in a gallant single-handed effort to aid them, rushed from shell hole to shell hole until he reached 4 enemy caves atop the barren fire-swept hill. With grenades and his carbine, he assaulted each of the caves while enemy fire pounded about him. However, before he annihilated the last hostile redoubt, a machinegun bullet destroyed his weapon and slashed his left hand. Disregarding his wound, he secured more grenades and dauntlessly charged again into the face of pointblank fire to help destroy a hostile observation post. By his gallant determination and heroic leadership, Cpl. Mayfield inspired the men to eliminate all remaining pockets of resistance in the area and to press the advance against the enemy 
    1945-birthday of guitarist Joe Beck, Philadelphia , PA.http://www.joebeckmusic.com/meetjb.htm 
    1945- After delivering the atomic bomb to Tinian Island , the American cruiser “ Indianapolis ” was headed for Okinawa to train for the pending invasion of Japan when it was torpedoed by a Japanese submarine. The war was going hot and heavy and there were no indications that Japan would surrender and fight until the end for their Emperor. Of the 1,196 crew members of the Indianapolis , more than 350 were immediately killed in the explosion or went down with the ship. There were no rescue ships nearby, and most of those fortunate enough to survive endured the next 84 hours in ocean waters. By the time they were spotted by air on August 2 nd , only 318 sailors remained alive, 528 sailors either drowned or were eaten by the sharks. 878 sailors lost their lives, the US Navy's worst loss at sea. 
    1946---Top Hits 
They Say It's Wonderful - Frank Sinatra 
The Gypsy - The Ink Spots 
Surrender - Perry Como 
New Spanish Two Step - Bob Wills 
    1954-Birthday of 1954, Flo Hyman - U.S. athlete who through her sparkling play single-handedly volleyball from obscurity to international competition. An Afro-American who stood six feet, five inches tall, FH passed on years of her college eligibility to play with the U.S. national team and won the silver runner-up medal in the 1984 Olympics. She turned pro to play in Japan and collapsed and died during a game in 1986, the victim of undiagnosed Marfan's syndrome - a genetic heart disorder that was little understood at the time. Her death advanced the interest in the disease, and early diagnosis and treatment is almost certain today. 
    1954---Top Hits 
Sh-Boom - The Crew Cuts 
If You Love Me (Really Love Me) - Kay Starr 
The Little Shoemaker - The Gaylords 
Even Tho - Webb Pierce 
    1956-- Bruce Springsteen's wife, E Street Band guitarist and vocalist Patty Scialia celebrates a birthday 
    1957 - Jack Paar began a successful five-year run as host of the "Tonight" show on NBC-TV, changing its name to "The Jack Paar Show". Jack Paar came to NBC from CBS where he had been a game and talk-show host. Paar's forte was interviewing. He would get so involved with his guests and their stories that he would not only laugh with them, but would sometimes, even cry. Paar's emotional outbursts, whether they involved an interviewee, a personal crusade or a feud with the likes of Ed Sullivan or Dorothy Kilgallen, became the major attraction of the show. Jose Melis and his orchestra stayed with Paar through the years as did his sidekick and announcer, Hugh Downs. The very first show had as guests Alexander King, singer Robert Merrill, and funnyman Buddy Hackett. King and Hackett became regulars over the years just as Jack Paar became a regular in our bedrooms every weekday night until March 30, 1962. 
    1958- President Eisenhower signed a bill creating the National Aeronautics and Space Administration to direct US space policy. 
    1959-The first “Jetway” was installed at San Francisco International airport. http://www.geocities.com/boyziimenforever/index.html 
It was a self-powered telescopic corridor that extended from 44 to 107 feet and swung into place to connect the terminal with aircraft, to protect passengers from wind and weather as they boarded or disembarked. the jetway could be extended from the terminal building to the aircraft door in less than 60 seconds. Work was also going on to expand the airport, which is still going on today. 
    1961 - Dick Clark presents his very first Caravan of Stars revue at the Steel Pier in Atlantic City, NJ, featuring The Jive Five, the Shirelles, and Clarence "Frogman" Henry.
    1962---Top Hits 
Roses are Red - Bobby Vinton 
The Wah Watusi - The Orlons 
Sealed with a Kiss - Brian Hyland 
Wolverton Mountain - Claude King 
    1963-Peter, Paul and Mary's version of Bob Dylan's "Blowin' In The Wind" is released. It will enter the Hot 100 two weeks later on its way to #2.
    1965 - The Beatles' second movie, Help!, premieres in London at the Pavilion Theatre, with none other than the Queen attending. (Though reviews are mixed, the movie is a financial success.) Later, manager Brian Epstein and the group attend a post-premiere reception at the Dorchester Hotel.
    1965 – The first 4,000 paratroopers of the 101st Airborne Division arrive in Vietnam, landing at Cam Ranh Bay. They made a demonstration jump immediately after arriving, observed by Gen. William Westmoreland and outgoing Ambassador (formerly General) Maxwell Taylor. Taylor and Westmoreland were both former commanders of the division, which was known as the “Screaming Eagles.” The 101st Airborne Division has a long and storied history, including combat jumps during the invasion of Normandy on June 6, 1944, and the subsequent Market-Garden airborne operation in the Netherlands. Later, the division distinguished itself by its defense of Bastogne during the Battle of the Bulge. The 1st Brigade fought as a separate brigade until 1967, when the remainder of the division arrived in Vietnam. The combat elements of the division consisted of 10 battalions of airmobile infantry, six battalions of artillery, an aerial rocket artillery unit armed with rocket-firing helicopters, and an air reconnaissance unit. Another unique feature of the division was its aviation group, which consisted of three aviation battalions of assault helicopters and gunships. During the war, troopers from the 101st won 17 Medals of Honor for bravery in combat. The division suffered almost 20,000 soldiers killed or wounded in action in Vietnam, over twice as many as the 9,328 casualties it suffered in World War II.
    1966: The US teen magazine Datebook reprints a John Lennon quote from an interview, conducted by Maureen Cleave, which had been published in the London Evening Standard newspaper: "Christianity will go. It will vanish and shrink. I needn't argue with that; I'm right and I will be proved right. We're more popular than Jesus now; I don't know which will go first - rock 'n' roll or Christianity. Jesus was all right but his disciples were thick and ordinary. It's them twisting it that ruins it for me."
The resulting uproar causes the Beatles' records to be burned in America, especially the South, and death threats to be issued against the band on their upcoming US tour -- despite a hastily assembled press conference in Chicago, at which John explains, "If I had said television is more popular than Jesus, I might have got away with it, but I just happened to be talking to a friend and I used the words "Beatles" as a remote thing, not as what I think - as Beatles, as those other Beatles like other people see us... I'm not saying that we're better or greater, or comparing us with Jesus Christ as a person or God as a thing or whatever it is. I just said what I said and it was wrong. Or it was taken wrong. And now it's all this... I never meant it to be a lousy anti-religious thing. I apologize if that will make you happy. I still don't know quite what I've done. I've tried to tell you what I did do but if you want me to apologize, if that will make you happy, then OK, I'm sorry."
    1967 - The Doors' "Light My Fire" hits #1
    1967-An edited version of The Doors' "Light My Fire" reaches number one in the US. Eventually, many radio stations would start playing the full six minute and fifty second album cut, which features a longer instrumental break.  . 
    1967- The Temptations' "You're My Everything" is released. 
    1970-Six days of race rioting in Hartford , Ct. 
http://www.hartford-hwp.com/HBHP/exhibit/04/2.html 
    1970---Top Hits 
(They Long to Be) Close to You - Carpenters 
Band of Gold - Freda Payne 
Make It with You - Bread 
Wonder Could I Live There Anymore - Charley Pride 
    1972-Gilbert O'Sullivan started a 5 week run at #1 on the US singles chart with "Alone Again (Naturally)". The follow-up, "Clair" would reach #2 the following November. 
    1973-Birthday of Wanya Morris of BoyzIIMen, Philadlephia , PA
    1973 - The Grease soundtrack LP hits #1
    1974-Second impeachment vote against Nixon by the House Judiciary Committee 
    1974- St Louis Card Lou Brock steals his 700th base 
    1974 - Jim Hartz was named to join Barbara Walters as co-host of the "Today" show on NBC. Hartz had been the original host of the popular morning TV show. Others who have hosted the show which has aired since 1952 include Dave Garroway, John Chancellor, Hugh Downs, Frank McGee, Tom Brokaw, Bryant Gumbel, Katie Couric and Matt Lauer. 
    1978- The first football game in which referees were allowed to check television instant replays was the Hall of Fame game played this day in 1978 at Canton , OH , when the Philadelphia Eagles defeated the Miami Dolphins 17-3. The game was telecast on Channel 7. 
    1978- Earth, Wind & Fire enter the soul chart with their version of the Beatles "Got to Get You into My Life," from the "Sgt. Pepper" soundtrack. It makes it to number one for a week in September. 
    1978- Kenny Loggins "Whenever I Call You Friend" is released 
    1978---Top Hits 
Shadow Dancing - Andy Gibb 
Baker Street - Gerry Rafferty 
Miss You - The Rolling Stones 
Only One Love in My Life - Ronnie Milsap
    1978 - The Village People's "Macho Man" enters the charts
    1981 - Millions of people around the world watched on television as England 's Prince Charles and Lady Diana Spencer took center stage amidst the pomp and splendor of their royal wedding at St. Paul 's Cathedral in London . The ceremony took place in the wee small hours of the morning in America , but was still a ratings success, with coverage on all networks. 2,500 guests were in actual attendance. 1985 - Spring Hill , Tennessee was selected as the new home of the Saturn automobile assembly plant. General Motors announced that it expected to produce up to 500,000 Saturns a year beginning in 1989. Some 14,000 jobs were created to operate the new auto plant. 
    1981 - Fifty cattle, each weighing 800 pounds, were killed by lightning near Vance , AL . The lightning struck a tree and then spread along the ground killing the cattle 
    1983- Due to a dislocated thumb caused by a collision at home plate trying to score in the first game of a doubleheader against the Braves, Padre first baseman Steve Garvey's consecutive game streak ends in the nightcap at 1,207. 
    1986-the United States Football League won its antitrust suit again 
    1986---Top Hits 
Sledgehammer - Peter Gabriel 
Danger Zone - Kenny Loggins 
Glory of Love - Peter Cetera 
    1986-- Sparky Anderson, the first skipper to win the World Series in each league, also becomes the first manager to win 600 games in both the National and American Leagues when the Tigers beat the Brewers, 9-5.
    1987 - Ben and Jerry's Ice Cream introduces their signature flavor (and first celebrity-themed flavor): Cherry Garcia, named after the Grateful Dead head Jerry Garcia.
    1988- Last United States Playboy Club ( Lansing Mich ) closes, end of era.
http://www.playboy.com/worldofplayboy/faq/clubs.html 
    1988-- The Orioles trade pitcher Mike Boddicker to the Red Sox in return for Brady Anderson and Curt Schilling. Boddicker will have two successful years with Boston while Anderson will become a productive lead off man for Baltimore and Schilling will became one of baseball's most dominant pitchers of his era 
    1989-Javier Sotomayor of Cuba became the first man to high jump eight feet. he set the new world record at Caribbean Championship meet in San Juan , Puerto Rico . Sotomayor held the previous record, seven feet 1 ½ inches set in 1988 in Spain . 
    1990- Boston Red Sox set major league record with 12 double1988 - Afternoon and evening thunderstorms produced severe weather in Minnesota and Wisconsin . Hail three inches in diameter was reported south of Saint Cloud , MN . Hot weather prevailed in the western U.S. Fresno, CA reported a record thirteen straight days of 100 degree heat. 
    1994—Top Hits 
I Swear- All-4-One 
Stay (I Missed You) (From "Reality Bites")- Lisa Loeb 
Fantastic Voyage- Coolio 
Any Time, Any Place/And On And On- Janet Jackson 
    1996 - Carl Lewis won his ninth Olympic gold medal by winning the long jump competition at the 1996 games. Lewis tied swimmer Mark Spitz for most "golds" by an American athlete. Lewis also was only the second athlete (the other was discus thrower Al Oerter) to win the same track event in four straight Olympics 
    1999—Top Hits 
Genie In A Bottle- Christina Aguilera 
Wild Wild West- Will Smith Featuring Dru Hill 
Bills, Bills, Bills- Destiny s Child 
Last Kiss- Pearl Jam 
    2002 -The text of the letter signed 40 Hall of Famers and sent to baseball commissioner Bud Selig and union head Donald Fehr urges all sides 'to protect the game we all love and have given so much to, we suggest you agree to a qualified mediator that will allow you to find the common ground necessary to avoid a work stoppage'' is released. The former outstanding players, which includes Reggie Jackson, Willie Mays and Warren Spahn, believe another work stoppage in baseball would be a terrible mistake. 
    2003---Top Hits 
Crazy In Love- Beyonce Featuring Jay-Z 
Rock Wit U (Awww Baby)- Ashanti 
Right Thurr- Chingy 
Magic Stick- Lil' Kim Featuring 50 Cent