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

kitmenkin@leasingnews.org
   

 




Monday, July 7, 2014



Today's Equipment Leasing Headlines

 Breaking News 
    Classified Ads---Senior Management
Ascentium Capital Continues to Set Records
“The Interview Will be in a Hotel Lobby”
 Career Crossroad---By Emily Fitzpatrick/RII
  Leasing Industry Ads---Help Wanted
Are More Online Loan Start-Ups On the Way?
  Lending Club
“Ends Banking for Cannabis Industry!” is the Claim
  Marijuana Vending Machine (Not a joke)
         Channel Partners Last 20 Deals
2014 Equipment Leasing & Finance U.S. Economy Outlook
  Equipment Leasing & Finance Foundation 3rd Quarter Report
    Failed Banks: Class of 2014
    SNL Finance Feature Report
 Leasing 102 by Mr. Terry Winders, CLP
    Missing Lease Language
Cole Taylor Bank Fined $3.5 Million by Federal Reserve
  Border Collie
Chicago, Illinois Adopt-a-Dog
   Classified ads—Asset Management
News Briefs--- 
Lease Group Resources alleged $8.8 Million bank fraud
  Has Assets of $600,000, a court-appointed receiver says
The Engines That Can, and Are: Why Greenbrier Is a Buy
National Leasing Acquires, Canadian Western Bank Acquires
  UMA Finance, Newfoundland and New Brunswick
So, you say you want to retire in Canada

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######## surrounding the article denotes it is a “press release” and was not written by Leasing News nor information verified, but from the source noted. When an article is signed by the writer, it is considered a “by line.” It reflects the opinion and research of the writer.



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Classified Ads---Senior Management

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


Tampa, FL
Executive leader accomplished in leasing operations, finance, sales and marketing seeking new opportunity. Capitalizes on strategic, ideation, communication and analytical strengths to identify opportunities, formulate solutions and articulate strategies that drive increased sales productivity, incremental revenue, operating expense reductions and customer acquisition and retention. Reg.Lindholm@gmail.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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Ascentium Capital Continues to Set Records

Ascentium Capital, Kingwood, Texas announced record gains during the second quarter, 2014. Over the same period last year, the company attained 57% growth in financing volume.


Richard Baccaro
Exec. VP, Sales/Marketing

“For the first time, our sales team originated $100 million in monthly credit applications in June and we anticipate a record breaking year,” said Richard Baccaro, Executive Vice President of Sales and Marketing.

A well-known third party originator, member of the National Association of Equipment Leasing Brokers, told Leasing News, “I have just set up with them and they do seem like a class operation."


Tom Depping
CEO

“We’re extremely pleased with second quarter results,” said Tom Depping, Chief Executive Officer at Ascentium Capital. “Our proprietary finance process and systems deliver unprecedented flexibility, allowing us to meet a broad array of manufacturer and vendor requirements. This enables us to offer a model that best meets their needs and those of their clients.” 

Depping said his company is driven by the talent of tenured financing personnel throughout its organization including operations, IT, customer service, marketing and sales professionals. He noted Ascentium Capital continues to recruit financing sales professionals through the United States in key vertical markets.

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“The Interview Will be in a Hotel Lobby”
Career Crossroad---By Emily Fitzpatrick/RII

 

 

Question: I have an interview scheduled in a few weeks in a hotel lobby!  Any advice?

Answer: The majority of interviews held in such places, e.g. a hotel lobby, a restaurant, are because either (1) the interviewer has a busy schedule or (2) the interviewer wants to see how you handle stressful situations.  Chances are that you will face many of these types of interview situations in your career. It will call for a clear head and a little gamesmanship to put you ahead of the competition. 

If you prefer, feel free to ask the interviewer for a location that offers privacy. Typically, this should occur when the meeting is arranged.  However, I strongly recommend allowing the interviewer to determine the time and place regardless of where it is held. This demonstrates your adaptability and flexibility – two good traits in a candidate. 

A strange setting actually will put you on equal footing with the interviewer – neither of you are on home turf, so in many cases, the interviewer will feel just as awkward as you do.  To gain the upper hand, get to the meeting early to scout the territory. By knowing your surroundings, you will feel more relaxed.  Early arrival also allows you to control the outcome of the meeting in on other subtle ways. You will have the time stake out the most private spot in an otherwise public space.  Corners are best, and choose the seat that puts your back to the wall.  When he/she arrives, say, “I arrived a little early to make sure we had some privacy.  I think over here is the best spot.” This will demonstrate your organizational abilities giving you a head start over the competition.

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

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


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Leasing Industry Help Wanted

 

Collector, Atlanta, GA

Experienced, calling 11-90 day delinquent customers, assisting Asset Re-marketer with delinquency reporting, weekly reporting to home office.

Sales, Chicago, Atlanta

Work out of main office and satellite. Heavy phone sales calling on both independent dealers and end users (cold/warm calling), marketing, weekly reporting to management. Outside territorial salespeople will also be considered.

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

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

 


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

Please see our Job Wanted section for possible new employees.

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Are More Online Loan Start-Ups On the Way?

 

Lending Club has grown into a nearly $4 billion company that last year brokered $2.1 billion in loans, according to SEC filing. The company is registered with the Securities and Exchange Commission to operate an online lending platform that enables borrowers to obtain a loan, and investors to purchase notes backed by payments made on loans. Reported to be the world's largest peer-to-peer lending platform.

Lending Club
Founded 2005
Matches borrowers who need small loans with investors.
Hq: San Francisco
Employees: More than 600
Loans issued since 2007: $403 billion
2013 Revenue: $98 million
2013 Profit: $7.3 million
Avg. loan size: $13,625
Interest Charged to borrowers: 5.98% to 24.10%
Fees: 1 to 5 percent
Late Payment Fee: $15
Average default rate 2013: 3.29 percent
Return on Investment: 5.35 to 9.40 percent
Banned in: Idaho, Iowa, Main, Nebraska and North
Dakota

Source: 2013 SEC Filings.

Lending Club IPO a boon for online loan startups
http://www.mercurynews.com/News/ci_26093788/Lending-Club-IPO-a-boon-for

 

 

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“Ends Banking for Cannabis Industry!” is the Claim
Marijuana Vending Machine (Not a joke)


(Kiosk Touch Screen/POS Terminals/Cash Drawers)

The latest to hit the marketplace is a marijuana vending machine.

http://www.leasingnews.org/photos/goldfolgel_mark2014.jpg

 Mark Goldfogel, CEO of C4Eversystems calls it a kiosk that accept payments for marijuana sales, takes a photo of the buyer, records proof of age and keeps the cash and receipts in a secure cash box for a pickup by an armored car.  The kiosk even makes change. He says he has orders for 600 units and is being asked if he has a lease plan.

The company also offers a free kiosk during its initial roll out period.

"Dispensaries must sell at least $100,000 per month and process all their cash sales through a C4EverSystems kiosk. We offer integration with a number of Seed to Sale software packages and QuickBooks POS as well as a stand-alone solution.

"C4EverSystems charges 1.75% of transaction totals and holds an additional 1.25% until a refundable damage deposit is collected. Credit card processing integrates into the fully PCI-compliant kiosk. Additional fees apply."
http://c4eversystems.com/sign-up

Goldfogel Announces Ending Banking for Cannabis Industry
(3:34)


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Channel Partners Last 20 Deals

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2014 Equipment Leasing & Finance U.S. Economy Outlook
Equipment Leasing & Finance Foundation 3rd Quarter Report


Looking forward to the rest of 2014, policy uncertainty has been less of a factor for most businesses, which has helped reduce market volatility. Overall, equipment investment continues to be driven predominantly by replacement demand rather than expansions.

Growth in equipment and software investment decelerated from expanding at an 8.9% annualized rate in Q4 2013 to contracting 1.8% in Q1 primarily from harsh winter weather and sluggish global demand. Looking ahead, we expect a rebound in Q2, modest sector growth for the coming year, with an overall forecast of 2.6% growth in 2014.

  • Agriculture Machinery investment will likely see slow growth, and potentially a contraction, through the rest of 2014, as both farm yields and commodity prices remain subdued.
  • Construction Machinery investment will continue to experience strong growth, and the year-over-year growth figures will begin to trend positive as multiple quarters of expansion take hold amidst the housing recovery.
  • Materials Handling Equipment investment will experience stronger growth over the next 3 to 6 months.
  • All Other Industrial Equipment investment will likely see moderate growth over the next 3 to 6 months as the "re-shoring" of manufacturing continues to be a dominant economic story in 2014.
  • Medical Equipment investment will grow, but begin to level off near the end of the year.
  • Mining & Oilfield Machinery will likely slow after a relatively strong Q1.
  • Aircraft investment will likely experience about long-term average growth for the year.
  • Ships & Boats investment will likely rebound to an above-average pace through the end of this year.
  • Railroad Equipment investment will improve from its recent contraction towards modest growth.
  • Investment in Trucks will exhibit high-single digit growth over the next 3 to 6 months as economic activity improves and competitive diesel prices keep trucking transport competitive.
  • Computers investment will remain muted in the short-term after strong replacement demand over the past few quarters.
  • Software investment will be moderate in the next 3 to 6 months as companies continue to make investments in software and cloud technologies.

Credit market conditions remain highly accommodative, and the Federal Reserve will continue to implement a two-pronged policy agenda in 2014. QE3 is all but certain to wind down by year's end. As such, there has already been a shift in the monetary policy debate as to the appropriate time to raise short term interest rates, along with the added question mark of how and when the Fed will shrink its massive balance sheet. Divisions between the "New Hawks" and the "Doves" are likely to increase as decisions on policy tightening and turnover of members come into the forefront
Full 19 page report: http://www.leasingnews.org/PDF/2014EconomicOutlookQ3_72014.pdf

 

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Failed Banks: Class of 2014
SNL Finance Feature Report
By Divya Lulla and Zuhaib Gull

The Oklahoma State Banking Department closed Freedom State Bank, Freedom, Oklahoma on June 27, making it the 12th FDIC-insured institution to fail in the U.S. in 2014. In comparison, there were 16 bank closures through June 27 in 2013.

(Year-end 2010 there were 814 FDIC-Insured Problem Institutions. March 31, 2014: 411; total assets $126.1 billion, compared to almost $15 trillion in assets held by al FDIC insured institutions.

http://problembanklist.com/fdic-reveals-that-over-banks-remain-on-the-problem-bank-list-0661/  )

((25 bank failures, 2008; 140, 2009; 157, 2010; 92, 2011; 51, 2012;
24, 2013.
http://en.wikipedia.org/wiki/List_of_bank_failures_in_the_
United_States_(2008%E2%80%93present
))

The FDIC has relied less on loss-share agreements to complete its failed-bank transactions of late. None of the 12 government-assisted transactions this year included a loss-share agreement, while three of the failures in 2013 included these agreements. In 2012, 20 failures included loss-share agreements.

Failures in 2014 have cost the FDIC's deposit insurance fund less in 2014 as compared to years before. The median cost to the fund at the time of announcement as a percentage of the failed banks' assets is 12.33% in 2014 to date, down from 22% for full year 2013 and 21% in 2012.


Freedom State Bank ($22.8 million)
Freedom State Bank's closure marked the second failure in Oklahoma this year after Bank of Union was shuttered Jan. 24. Established in 1919, Freedom State Bank operated a single branch in Oklahoma before it was shut down. The FDIC had issued a prompt corrective action directive to the bank May 2.
(Leasing News article on Freedom State Bank Closing)
http://leasingnews.org/archives/Jul2014/7_01.htm#bank_beat

Moline, Ill.-based Valley Bank ($456.4 million
Valley Bank, one of the River Valley Bancorp subsidiaries to fail June 20, operated 13 branches in Illinois before its closure. The bank's nonperforming loans ratio stood just shy of 24% at March 31, and the institution posted $51.3 million in total losses from 2010 through March 31. Valley Bank was also operating under a cease and desist order from Jan. 15.
(Leasing News article on Valley Bank Closing)
http://leasingnews.org/archives/Jun2014/6_23.htm#bank_beating

Fort Lauderdale, Fla.-based Valley Bank ($81.8 million)
Established in 1974, Valley Bank operated four branches in Florida before its closure June 20. This was the first Florida failure since Graceville, Fla.-based Bank of Jackson County closed Oct. 30, 2013. Valley Bank was operating under a http://www.snl.com/InteractiveX/images/lock-small_bw.gifcease and desist order dated Dec. 18, 2013, and had lost $17.9 million from 2009 through March 31. The Seminole Tribe of Florida had expressed an interest in acquiring Valley Bank but http://www.snl.com/InteractiveX/images/lock-small_bw.gifwithdrew its application June 4.
(Leasing News article on Valley Bank Closing)
http://leasingnews.org/archives/Jun2014/6_23.htm#bank_beating

Bel Air, Md.-based Slavie Federal Savings Bank (MHC) ($140.1 million)

Founded as a community bank in 1900, Slavie Federal Savings Bank (MHC) marks the ninth bank failure in Maryland since 1998. This was the first failure in the state since regulators closed HarVest Bank of Maryland on April 27, 2012. Prior to its closure, the OCC issued a cease and desist order to Slavie on Jan. 7. The institution had struggled to improve its capital position as its Tier 1 risk-based ratio fell to 3.83% in the first quarter from 11.92% two years prior. Furthermore, the bank failed to earn a profit in the last 11 quarters, incurring an aggregate net loss of $16.4 million over that period.
(Leasing News article on Slavie Federal Savings Bank Closing)
http://leasingnews.org/archives/Jun2014/6_02.htm#bank_beat

Cincinnati-based Columbia Savings Bank ($36.5 million)

Established in 1892, Columbia Savings Bank operated out of a single branch in Cincinnati. The failure marks the first in Ohio after regulators closed Milford-based Bramble Savings Bank in 2010. The FDIC issued a http://www.snl.com/InteractiveX/images/lock-small_bw.gifprompt corrective action directive to Columbia Savings Bank on March 13, ordering it to either increase its capital levels or accept an offer to be acquired by another bank. Prior to its failure, the institution had incurred a net loss in 22 of its last 24 quarters. The aggregate loss for those quarters totaled $5.36 million.
(Leasing News article on Columbia Savings Bank Closing)
http://leasingnews.org/archives/May2014/5_27.htm#bank_beat

Berwyn, Ill.-based AztecAmerica Bank ($66.3 million)
The bank was established in 2005, focusing on the Hispanic community in Chicago, according to Crain's Chicago Business. In an SNL analysis, AztecAmerica was ranked fifth in the list of banks and thrifts with the highest adjusted Texas in the first quarter. The bank had incurred net losses for 22 of the last 25 quarters for an aggregate loss of $13.8 million.
(AztecAmerica Bank Report by Leasing News:)
http://leasingnews.org/archives/May2014/5_19.htm#bank_beat

Fairfax, S.C.-based Allendale County Bank ($51.5 million)

The bank was established in 1937 and operated five branches in South Carolina. This represents the first bank failure in South Carolina since Carolina Federal Savings Bank in June 2012. The FDIC had issued a http://www.snl.com/InteractiveX/images/lock-small_bw.gifcease and desist order to Allendale County Bank in July 2013. At the end of 2013, about 56% of the company's loan portfolio consisted of consumer loans. Due to a substantial rise in its loan loss provision, the bank incurred a net loss of $3.1 million in the quarter ended Dec. 31, 2013.
(Allendale County Bank report by Leasing News)
http://leasingnews.org/archives/Apr2014/4_28.htm#bank_beat

Sterling, Va.-based Millennium Bank NA ($130.3 million)
Established in 1999, the bank had two branches in northern Virginia. It was the first failure in Virginia since Bank of the Commonwealth in September 2011. The bank had incurred net losses for 23 consecutive quarters for an aggregate loss of $52.1 million. Millennium topped the list of banks having the highest adjusted Texas ratio for the quarter ended Sept. 30, 2013, according to an analysis conducted by SNL.
(Millennium Bank report by Leasing News:(http://leasingnews.org/archives/Mar2014/3_03.htm#bank_beat)

Horsham, Pa.-based 
Vantage Point Bank ($63.5 million)
The bank was formed in 2007 and operated one branch in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD MSA. This marks the first failure in Pennsylvania since Nova Bank in October 2012. The FDIC had issued a consent order to Vantage Point on Dec. 9, 2013. The bank had also recently experienced turnover in senior management.
(Vantage Bank report by Leasing News:
(http://leasingnews.org/archives/Mar2014/3_03.htm#bank_beat)

Boise, Idaho-based 
Syringa Bank ($153.4 million)
Established in 1997, the bank had six branches in Idaho, five of which were in the Boise City-Nampa MSA. This was the first bank failure in Idaho since April 2009. Syringa Bank's parent, Syringa Bancorp, had received TARP funds in January 2009. Syringa Bank had incurred net losses for 19 consecutive quarters for an aggregate loss of $40.0 million. Total loans and leases were $119.8 million at year-end 2013, down from $260.2 million five years earlier. 
(Syringa Bank Report by Leasing News:
(http://leasingnews.org/archives/Feb2014/2_03.htm#abnk_beat)

El Reno, Okla.-based 
Bank of Union ($317.2 million)
Established in 1900, Bank of Union had two branches in central Oklahoma. This was the first bank failure in Oklahoma since First Capital Bank in June 2012. The FDIC issued Bank of Union a consent order in June 2013. More than half of the bank's loan portfolio was nonperforming as of Sept. 30, 2013.
(Bank of Union report by Leasing News:
(http://leasingnews.org/archives/Jan2014/1_27.htm#bank_beat)

West Chicago, Ill.-based 
DuPage National Bank ($53.5 million)
The bank was established in 1891 and operated three branches in the Chicago MSA. DuPage National was the first bank failure in Illinois since Covenant Bank in February 2013. The bank had incurred net losses for 25 consecutive quarters for an aggregate loss of $17.7 million. As of Sept. 30, 2013, 17.41% of its gross loans were past due or nonaccrual.
(DuPage Bank Report by Leasing News:
(http://leasingnews.org/archives/Jan2014/1_27.htm#bank_beat)


FDIC List of Bank Failures:
http://www.fdic.gov/bank/individual/failed/banklist.html
Leasing News Bank Beat:
http://www.leasingnews.org/Conscious-Top%20Stories/Bank_Beat.htm 

 


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 Leasing 102
by Mr. Terry Winders, CLP

Missing Lease Language

The interest in short documents runs the risk of dropping language that could cause a problem if the lease goes into default. Many lessors fail to see the need to have a complete lease agreement because they have a small deal where the value of the leased equipment is not a consideration. These small leases generally are basic English and easy to read and only are a few pages. However, at some point the risk requires a more complete lease agreement.
Even when the collateral is of little value and/or court costs to repossess are greater than the value, I question the value of “light leases” or “short leases” as they are often called. First, I am not an attorney, but have learned the hard way why a short lease is not the answer, especially for transactions over $50,000. I have audited many leasing companies, but have my own direct experience as any of the following may occur unless covered in the lease document.

These are only a few that should be addressed:

Alterations:  Lessee may not make alterations in or add attachments to the Equipment without first obtaining the written consent of Lessor.  Without this language, the lessee thinks they can change the equipment to suit their own purpose, not comply with imposed state or federal law changes, and it could be returned altered or not altered, meaning lower in value than expected.

In addition, you want the lessee to be responsible for, and pay all fines and penalties for late registration, moving violations or other infractions or violations of law with respect to the Equipment or Lessee’s use of the Equipment. You must remember that the lessor may be considered the owner of record (always in an “operating lease” where the lessor takes the depreciation and the residual is a “real” “fair market value”—some of the main requirements), until title is passed upon termination. This especially applies to all situations that require a motor vehicle license where the title transfer must be made with the State Department of Transportation, or the original owner stays of record and is responsible for the vehicle. That makes the lessor responsible for unpaid taxes, assessments, fines and licensing.
The equipment should be restricted to commercial use with language that does not allow outside use by any party for personal or private purposes. If the equipment is used by outsiders, the insurance may be invalid and the potential for liability is enormous. This does not cover subleases with should also be restricted to require lessor approval. Don’t think that because it is furniture, you can be lax.  An employee getting hurt with a file cabinet or a desk drawer can involve your company, as well as if there is a fire, if your lessee has subleased it to another party and you were not named as additional insured or loss payee.

Language should be included where the lessee agrees that its monthly lease payment and other obligations hereunder shall be irrevocable, independent, absolute, and unconditional and shall not be subject to any abatement, reduction, recoupment, defense, offset or counterclaim otherwise available to Lessee against Lessor; nor, except as otherwise expressly provided herein or as agreed to by Lessor in writing, shall this agreement terminate for any reason whatsoever prior to the end of the Initial Period. On occasion, the lessee may claim that the equipment is not functioning and therefore no payments will be sent until the vendor repairs the equipment and makes it functional.

There are many leases that require specific language to cover the risks of the equipment and the quality of the credit. Those lessors that try and use a common lease agreement thinking one form covers all will eventually run aground. Short form leases are acceptable “if” the lease is prepared for the type of equipment and it has a limited risk factor. But again, I don’t recommend their use.

Review of your documentation with legal lease counsel that can address the equipment markets that you have chosen will pay dividends in the future by reducing your risks or at least identifying them so you know the risks you are taking.  
 
Again, as I continually harp in these columns:  Use an attorney who specializes in banking, financing, and especially leasing, as they have
the experience and knowledge.  You don’t go to an orthodontist to
have a root canal, just as you don’t go to endodontist to have braces
put on your teeth.

Mr. Terry Winders, CLP, has been a teacher, consultant, expert witness for the leasing industry for thirty 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 Expert Witness. 35 years as a professional instructor to the top equipment leasing and finance companies in the United States, 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.

Mr. Winders received his Master of Business Administration and his Bachelor of Science degrees from the College of Notre Dame.

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

Cole Taylor Bank Fined $3.5 Million by Federal Reserve


The Federal Reserve Board issued a consent order to cease and desist and a civil money penalty assessment of $3,510,000 against Cole Taylor Bank of Chicago, Illinois. The order addresses the participation by the bank and its agent, Higher One, Inc. of New Haven, Connecticut (Higher One), in deceptive practices in violation of section 5 of the Federal Trade Commission Act.

Higher One is a nonbank entity that provides institutions of higher education with financial aid refund disbursement services for students. Higher One typically offers students three methods of receiving their financial aid refund: (1) paper check; (2) ACH transfer to an existing bank account; or (3) direct deposit to the Higher One deposit account and debit card product known as the "OneAccount." Because Higher One is not a bank, it must partner with banks to offer the OneAccount. From May 4, 2012 to August 14, 2013, Cole Taylor served as one of the banks providing deposit accounts in connection with the OneAccount.

The actions addressed in this order involve the following deceptive practices by Higher One, under Cole Taylor's oversight, that, at various points in the financial aid refund selection process, misled students about the OneAccount.

  • The omission of material information about how students could get their financial aid refund without having to open a OneAccount;
  • The omission of material information about the fees, features, and limitations of the OneAccount product, which may have made it more difficult for students to make fully informed decisions prior to selecting the method for financial aid refund disbursement;
  • The omission of material information about the locations of ATMs where students could access their OneAccount without cost and the hours of availability of those ATMs; and
  • The prominent display of the school logo, which may have erroneously implied that the school endorsed the OneAccount product.

Higher One is taking material corrective action to address these practices in its current disclosures to students. However, appropriate remedial actions against Higher One, including the payment of restitution for its past practices, are currently being pursued. In addition to the civil money penalty, the order against Cole Taylor Bank also requires it to assume backup liability for any restitution to students that Higher One is required to pay in a Federal Reserve enforcement action in the event that Higher One cannot pay the restitution amounts. Actions are also being pursued against another state member bank that has a similar arrangement with Higher One relating to the OneAccounts.


Cole Taylor Cease and Desist Order (11 pages):
http://www.leasingnews.org/PDF/coletaylor_72014.pdf

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


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

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Border Collie
Chicago, Illinois Adopt-a-Dog

Sonnet
Meet your Match Life of the Party
Breed: Border Collie
Gender: Female
Age: 9 months
Location: Lincoln Park
Canine-ality: Life of the Party
I'm Special: I need an experienced adopter

"My Canine-ality is Green, Life of the Party. I enjoy adopters who will physically and mentally engage with me. As a "Life of the Party", I think everything is fun, interesting and meant for play, especially you. Anything you do, I'll want to do too. With my own brand of surprises, life with me will keep you constantly on your toes, and the fun is guaranteed. (Socially motivated)"

If you are interested in Sonnet, Use our quick contact form*, visit the PAWS Chicago Adoption Center at 1997 N. Clybourn, email adoptions@pawschicago.org, or call (773)935-7297.

*https://pawschicago.wufoo.com/forms/contact-paws-chicago/def/field13=Sonnet&field16=http://www.pawschicago.org/sonnet_2/

www.pawschicago.com



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

 

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Classified ads—Asset Management

Leasing Industry Outsourcing
(Providing Services and Products)


Asset Management: Atlanta, GA
premier provide accounts receivable management functions from 3rd Party contingency collections to Portfolio Purchasing. Contact George Elliott, National Account Manager.
678-694-9063
westassetmanagement.com 

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

Asset Management: Minneapolis, MN
NetSentric provides services to leasing companies: Inspection, Appraisals, Auditing, Warehousing, Repossession, Asset Management, Repairs, Remarketing and Field Service for Electronics and Computing Technology.
Email: jcahill@netsentricinc.com 

Asset Management: Monroe, NC
Recover a greater return on your investment.  We specialize in the woodworking, pallet, sawmill and forestry industries.  
Carolinamachinerysales.com/ 

Melinda Meier (704)288-1904 x103
Asset Management: Nationwide 
BUYER/LENDER BEWARE. Don't sign anything until Collateral Verifications Inc. goes onsite, knocks on the door and gets the facts.
http://www.i-collateral.com
Email: mark@i-collateral.com

Nationwide 
Seasoned and fair priced workforce is at your service for all lease collections, repossessions, and asset liquidations, appraisals.  Call Nassau Asset Management 800-462-7728  dcastagna@nasset.com   

Asset Storage/Re-Marketing: Ohio & surrounding states. Providing no cost warehousing, condition reports, digital photos and remarketing of off-lease forklifts & industrial equipment. NAFTA wide dealer network. Email to GCochran@OhioLift.com Asset Management
Melville, New York
Auctions, Appraisals, National Repossessions.  ALL asset classes. 20+ year team works for you. Spend less, Net More… Fast!
Ed Castagna 516-229-1968ecastagna@inplaceauction.com
  Asset Management: Global
Specializing in Semiconductor and Electronic Test Equipment collateral. Lender services include Consignment Sales, Remarketing, Portfolio Purchases, Inspections, De-installation, Repairs and Warehousing. 
testequipmentconnection.com
Email
Bulldog Asset Management provides recovery and remarketing services with a difference. Contingent repos, free storage and industry experts to remarket. Email:Jamie@bulldogasset.com 
www.bulldogasset.com

Asset Management: Portsmouth, NH
Unique approach improves results, keeps costs down. Repossession, Storage, Inspection, Legal, Appraisal, Transport, Remarketing. Free advice and resources.
Call 855.EENGINE 
www.equipmentengine.com/

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and responsible to keep their free ads up to date:
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How to Post a free "Outsourcing" classified ad:
http://www.leasingnews.org/Classified/Outsourcing/Outsourcing-post.htm

 

John Kenny 
Receivables Management

• End of Lease Negotiations & Enforcement
• Fraud Investigations
• Credit Investigations • Asset Searches 
• Skip-tracing • Third-party Commercial Collections

john@jkrmdirect.com | ph 315-866-1167| www.jkrmdirect.com

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

[headlines]
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News Briefs----

Lease Group Resources alleged $8.8 Million bank fraud
Has Assets of $600,000, a court-appointed receiver says
http://www.courierpostonline.com/story/news/local/south-jersey/2014/07/03/value-assets-realesed-firm-center-check-kiting-scheme/12193227/

The Engines That Can, and Are: Why Greenbrier Is a Buy
http://wallstcheatsheet.com/business/the-engines-that-can-and-are-why-greenbrier-is-a-buy.html/?ref=YF

National Leasing Acquires, Canadian Western Bank Acquires
UMA Finance, Newfoundland and New Brunswick
http://online.wsj.com/article/PR-CO-20140702-905816.html  

So, you say you want to retire in Canada
http://seattletimes.com/html/businesstechnology/
2023979615_pfretireincanadaxml.html

Collector, Atlanta, GA

Experienced, calling 11-90 day delinquent customers, assisting Asset Re-marketer with delinquency reporting, weekly reporting to home office.

Sales, Chicago, Atlanta

Work out of main office and satellite. Heavy phone sales calling on both independent dealers and end users (cold/warm calling), marketing, weekly reporting to management. Outside territorial salespeople will also be considered.

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

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

 


[headlines]

--------------------------------------------------------------



--You May Have Missed It

Marijuana legalization in Colorado: So far, so good
http://www.contracostatimes.com/news/ci_26095373/marijuana-legalization-colorado-so-far-so-good



[headlines]
--------------------------------------------------------------

SparkPeople--Live Healthier and Longer



9 Simple Tricks to Eat Less
Cut Calories, Not Satisfaction
http://www.sparkpeople.com/resource/nutrition_articles.asp?id=1386


[headlines]
--------------------------------------------------------------

Baseball Poem

 

 

 

 

EXCERPTS

 

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Return Home
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Excerpts from:
"Baseball According to Lao-Tzu" by John W. Hart III, illustrations by Adam R. Factor


You can talk baseball, but not the Eternal Baseball.
Hall of Famers can be named, but not the superstar.

As the beginnings of time, it is nameless.
As the creator of all things, it is named.

So, what is hidden, we inspect its inner essence.
And what is real, we look at its appearance.

The real, the eternal and the nameless, all flow
From the same source, but take different paths.

All is Poetry.
Baseball is Poetry.



When the world has the Tao,
Outfielders race across a sea of green.

When the world is without,
Outfielders jake it on unimportant plays.

There is nothing worse than not knowing when to stop.

Only those who know when to retire
Will always have enough.



The Tao of Baseball is like an empty dish
That can never be filled up.
It feeds all and is endless.
It cleans pine tar off suspected bats.
It unifies all clubhouse squabbles.
It unites the fans.
It brings absolute harmony during the Seventh Inning Stretch.

Baseball is hidden and timeless.
Baseball is the Universe.

Baseball is a chocolate smile on a child's face.
Baseball is a businessman scouring the box scores during lunch break.

It is the father and mother of all things.



Pitchers who know batters are clever;
Pitchers who know themselves have insight.
Those who complain show force.
Those who sit are truly strong.

When you know you have enough
You become rich.

It is those who play for the game
And not for the money
Are the ones who are truly rich.

, and our Web Site
Copyright 2002 mear publishers

 

 


[headlines]

--------------------------------------------------------------


Sports Briefs----

How Novak Djokovic ended Roger Federer's last, best hope in an instant classic: 2014 Wimbledon
http://www.oregonlive.com/the-spin-of-the-ball/index.ssf/2014/07/novak_djokovic_roger_federer_a.html#incart_m-rpt-2

Joe Montana prepares for final (flag) game at Candlestick
http://www.sfgate.com/49ers/article/Joe-Montana-prepares-for-final-flag-game-at-5602024.php?cmpid=hp-hc-sports

New Kings arena will be among NBA’s smallest, but built for profit
http://www.sacbee.com/2014/07/04/6534698/new-kings-arena-will-be-nbas-smallest.html


[headlines]
--------------------------------------------------------------


California Nuts Briefs---

Tesla Motors on a mission to hire American veterans
http://www.contracostatimes.com/business/ci_26086136/tesla-motors-mission-hire-american-veterans

Water use rises amid drought
http://www.utsandiego.com/news/2014/jul/06/drought-water-use-conservation-jerry-brown/



[headlines]
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“Gimme that Wine”

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

Fire In Napa County Burns Nearly 3,200 Acres, Mandatory Evacuations Continue
http://sanfrancisco.cbslocal.com/2014/07/01/napa-valley-fire-threatening-buildings-east-of-st-helena-valley-wine-country-calfire-wildfire-evacuations/

Chinese Corruption Probe Targets Firms That Bought Bordeaux Wineries
http://www.winespectator.com/webfeature/show/id/50186

Paul Hobbs faces fines for environmental ‘vandalism’
http://www.thedrinksbusiness.com/2014/07/paul-hobbs-facing-fines-for-environmental-vandalism/

Wine Spectator publisher donates $3M to California college
http://nypost.com/2014/07/01/wine-spectator-publisher-donates-3m-to-california-college/


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


[headlines]
----------------------------------------------------------------

This Day in History

 

    1586- Birthday of Thomas Hooker, colonial American pastor and an originator of the earliest system of federal government in America.   He was a prominent Puritan colonial leader, who founded the Colony of Connecticut after dissenting with Puritan leaders in Massachusetts. He was known as an outstanding speaker and a leader of universal Christian suffrage.
http://www.u-s-history.com/pages/h544.html
http://nvnv.essortment.com/thomashooker_rlfj.htm
http://www.famousamericans.net/thomashooker/
http://www.colonialwarsct.org/1636.htm
    1742 - A Spanish force invading Georgia ran headlong into the colony's British defenders. A handful of British and Spanish colonial troops faced each other on a Georgia coastal island and decided the fate of a colony.
    1777 - American troops gave up Fort Ticonderoga, on Lake Champlain, to the British.
    1778 - Allied French fleet under Comte d'Estaing arrives in America.
    1754 - In New York City, Kings College opened. For its first year of operation, the institution admitted eight students and one faculty member, Dr. Samuel Johnson, who would also serve as the school president. In 1784, Kings College was renamed Columbia College, and later would became Columbia University. Many prestigious awards hail from the university today, including the Columbia Award for Journalism and the Pulitzer Prize for Journalism that was named after former Columbia professor, Joseph Pulitzer.
    1802 - Created by Robert Rusticoat in Hudson, New York, the first comic book to ever be published was "The Wasp."
    1807- First account of the Lewis & Clark expedition is published, Pittsburgh, PA.
    1846 - Commander J.D. Sloat of the United State Navy raised the American flag in Monterey, proclaiming United States citizenship for California. Sloat decided to take possession of California because he feared the British might occupy Monterey, and he was concerned about the reported revolution in Sonoma. The Commodore told the people of Monterey that he came to bring greater political freedom and stability, and henceforth California would be a part of the United States. Population the pueblo of Yerba Buena estimated at about 1000 non-natives. There were about 50 buildings in the pueblo.
    1851-San Francisco's population estimated at 30,000; the Gold Rush was on.
    1851 - Birthday of Lillian Jane Martin, founder of Mt. Zion Hospital in San Francisco, the first mental hygienic clinic for normal pre-school children.  She was also a famed psychologist who started the field of gerontology by opening a clinic for the aged in 1929, when she was 78. She lived to an advanced age, doing such things as traveling through the jungles of South America at 87. In her "before" career, she worked through the ranks at Stanford to become a full professor of psychology in 1911. She was the first woman to head any department there. After mandatory retirement at 65, she got bored and began feeling old so she taught herself to type and then did strenuous exercises to strengthen her body. In 1920 (at 69) she founded Mt. Zion Hospital.
http://www.webster.edu/~woolflm/martin.html
    1851- Birthday of Charles A. Tindley, African-American Methodist preacher and songwriter. His most enduring gospel hymns include 'Stand By Me,' 'Nothing Between,' 'Leave It There', and 'By and By.' Died July 26, 1933, Philadelphia, Pennsylvania
http://www.cyberhymnal.org/bio/t/i/tindley_ca.htm
http://www.aaregistry.com/african_american_history/1903/
Charles_A_Tindley_was_a_servant_of_the_Lord

http://www.templeumc.org/archives/Charles_Tindley.html
    1861-Birthday of Dr. Nettie Maria Stevens - U.S. biologist who in 1905 announced that chromosomes X and Y were responsible for the sex of the individual. She was never rightfully given full credit for her discovery.
http://www.dwwood.com/wise/science.html#stevens
    1863-Lt. Colonel Christopher "Kit" Carson ( for whom I was named as my father was writing the radio series in 1942) leaves Santa Fe with his troops, beginning his campaign against the Indians of New Mexico and Arizona. A famed mountain man before the Civil War, Carson was responsible for waging a destructive war against the Navajo that resulted in their removal from the Four Corners area to southeastern New Mexico. Carson was perhaps the most famous trapper and guide in the West. He traveled with the expeditions of John C. Fremont in the 1840s, leading Fremont through the Great Basin. Fremont's flattering portrayal of Carson made the mountain man a hero when the reports were published and widely read in the east. Later, Carson guided Stephen Watts Kearney to New Mexico during the Mexican-American War. In the 1850s, he became the Indian agent in Taos for New Mexico, a position he left in 1861 to accept a commission as lieutenant colonel in the 1st New Mexico Volunteers.
Although Carson's unit saw action in the New Mexico battles of 1862, he was most famous for his campaign against the Indians. Despite his reputation for being sympathetic and accommodating to tribes such as the Mescaleros, Kiowas, and Navajo, under orders of the US Military, Carson waged a brutal campaign against the Navajo in 1863. When bands of Navajo refused to accept confinement on reservations, Carson terrorized the Navajo lands--burning crops, destroying villages, and slaughtering livestock. Carson rounded up some 8,000 Navajo and marched them across New Mexico for imprisonment on the Bosque Redondo, over 300 miles from their homes, where they remained for the duration of the war. [delete-redundant] Kit Carson guided Stephen W. Kearny's party from New Mexico to California during the Mexican War and his bravery saved the company. Kit Carson was appointed in 1853 as Indian agent for Taos, New Mexico. Kit Carson was extremely qualified and helped calm the Apaches on several different occasions that appeared nearly hopeless short the entrance of his masterful skills During the Civil War Kit Carson joined the Union's Army 1st New Mexican Volunteers he was promoted to brigadier general for his outstanding campaign record After the Civil War Kit Carson commanded Fort Garland garrison in Colorado. When he retired, he moved his family back to Taos, New Mexico, where he died May 23, 1868.
http://members.aol.com/RVSNorton/Lincoln5.html
http://www.civilwarphotos.net/files/images/201.jpg
http://www.desertusa.com/mag99/jan/papr/kitcarson.html
http://www.findagrave.com/cgi-bin/fg.cgi?page=gsrandGScid=38154
    1865 - Mary E. Surratt became the first woman to be executed by the US government after being found guilty of conspiring with John Wilkes Booth to assassinate Abraham Lincoln. Her conviction was a subject of controversy as the only crime she appeared to have committed was to own the boarding house where Booth planned Lincoln's assassination. The president and those living in the area condemned her for allowing the plot to be hatched in her house. Whether she was part of the plot or knew of it was never proven. Three others, also convicted in the conspiracy, were hanged along with Mary E. Surratt: Lewis Payne, David E. Harold and George A. Atzerodt. This took place at Buzzard Point, site of the first U.S. Penitentiary. She was the first woman hanged in the United States.
Her son, one of the original conspirators whose plan it was to kidnap Lincoln, broke with Booth at the suggestion of assassination. Mary Surratt and the three men who were actually part of the conspiracy were hung after a trial replete with suppression of evidence, legal errors, etc. According to President Andrew Johnson, she "kept the nest that hatched the egg," and that was enough to kill her by an official act of the United States Army. Her son who had escaped to Canada was later was tried by a civilian court. He went free when the majority of the hung jury voted for his acquittal. The complicity of Mary Surratt in the plot was never completely proven. Sightings of the ghost of Mary Surratt have been made here, at her boarding house on K Street, and at the site of the Old Brick Capitol (now the site of the Supreme Court). The ghost of Anna Surratt, is said to be heard occasionally banging at the White House door to plead for the life of her mother as she did in fact on the eve of the execution.
http://members.aol.com/RVSNorton/Lincoln26.html
http://www.surratt.org/documents/dmarye.html
    1876 - The most notorious train robber of the American West, Jesse James, held up the Missouri-Pacific train and robbed about $15,000. Accompanied by his gang, Jesse James came to typify the hazards of the 19th-century frontier as it has been portrayed in motion-picture Westerns.
    1887- Beatrice Fox Auerbach birthday - Hartford, Connecticut, business executive and philanthropist who established a foundation to train women's groups in the techniques of community organization. She succeeded her father as president of Hartford's G. Fox and Company and developed it into the largest privately- owned retail store in the nation. Died 1968.
http://www.us-israel.org/jsource/biography/fox.html
http://www.cwhf.org/browse/auerbach.htm
    1896-The Presidential campaign was, in many ways, a battle over money. As was expected, the Republican campaign, led by the party's presidential nominee, Ohio governor William McKinley, centered on maintaining the gold standard. On the other side of the fence, the Democrats took a cue from the Populist party and latched on to the free coinage of silver as one of their guiding issues. While the Democrats’ decision to support silver shocked a number of political observers, their nominee for the Oval Office proved to be even more surprising. The Democrats had already settled on their issue, but the summer of 1896 found them without a clear candidate for the Oval Office. That all changed at the party's national convention in Chicago on July 7 when William Jennings Bryan, then just a young scribe from Nebraska, stepped to speak before the Democrats’ 20,000 delegates. An ardent supporter of the silver movement, Bryan seized the reins of the party by railing against the Republicans and their "demand for a gold standard." During his speech, Bryan laid down his now famous vow against gold and the Republicans: "You shall not press down upon the brow of labor this crown of thorns, you shall not crucify mankind upon a cross of gold." These indelible words sent the delegates into frenzy and effectively sealed Bryan's unlikely nomination as the Democrats’ candidate for President. Alas, Bryan's fiery oratory proved to be no match for McKinley's fat coffers.  Backed by the money and influence of the nation's business leaders, the Republicans were able to lavish roughly $7 million on their campaign. Bryan, on the other hand, spent a scant $300,000 and ultimately lost his bid for the White House. The electoral vote was McKinley, 271; William Jennings Bryan, 176. The popular vote was McKinley 7,103,779, Bryan 5,402,925. The Republicans not only gained the White House but four seats in the Senate to lead 47-34, seven seats going to minor parties. In the House, the Republicans lost 40 seats but still held a 204-113 majority, 40 seats going to minor parties. The Republican Party was free to have its way and on January 12, the new National Monetary Conference met at Indianapolis, Ind, and endorsed the existing gold standard.
    1898-Hawaii was annexed by the US. President William McKinley, who signed a resolution.  No change in government took place until 1900, when Congress passed an act making Hawaii an “incorporated” territory of the US. This act remained in effect until Hawaii became a state in 1959.                   1899 – Birthday of motion picture director George Cukor in lower Manhattan.  He was replaced as the director of “Gone with the Wind”, but he went on to direct “The Philadelphia Story” (1940), “Gaslight” (1944), “Adam’s Rib” (1949), Born Yesterday” (1950), “A Star is Born” (1954) and “My Fair Lady (1964). He continued to work into the 1980s.  Cukor died on January 24, 1983
    1905 - Temperatures reached 127ø F (53ø C), Parker Arizona (state record)
    1906 – (Believed to be) Birthday of legendary pitcher Leroy Robert "Satchel" Paige.  Paige is one of the folk heroes, perhaps the most celebrated, of baseball's Negro leagues who became a rookie pitcher in the major leagues at the age of 42.  His exact age was one of the mysteries in the legend that accompanied him into the big leagues in 1948 with the Cleveland Indians, and it was still a mystery when he pitched his final three innings for the Kansas City A's in 1965 when he was admitting to 59.  He was celebrated for his homespun wit as well as for his fastball and stamina, and most especially for his admonition: ''Don't look back. Something might be gaining on you.''  He struck out Hall of Famer Rogers Hornsby five times in one exhibition game and Joe DiMaggio called him ''the best I've ever faced, and the fastest.''
“Sometimes I feel like I will never stop
Just go forever
Till one fine morning
I'll reach up and grab me a handful of stars
and swing out my long lean leg
and whip three hot strikes burning down the heavens
and look over at God and say
How about that!”
— Samuel Allen, "To Satch" http://memory.loc.gov/ammem/today/jul07.html
    1907 -- Robert A. Heinlein birthday (1907-1988). Prolific American writer, grand master of science fiction. His first stories appeared in action-adventure pulp magazine "Astounding Science Fiction" in 1939. His first novel, “Rocket Ship Galileo”, appeared in 1947 and paved way to children's science fiction. Wrote “The Green Hills of Earth”, the militarist “Starship Troopers”, and the 60s hippie-oriented “Stranger in a Strange Land” (a favorite of mass murderer Charles Manson).
In 1975 Heinlein was awarded the first Grand Master Nebula.
http://www.nitrosyncretic.com/rah/
http://www.wegrokit.com/
http://www.amazon.com/exec/obidos/ASIN/0451912535/inktomi-bkasin-20/
002-2909458-5798421

    1908- Harriette Louisa Simpson Arnow birthday - U.S. author who described the Southern Appalachian life and people with honesty and authenticity. She earned a college degree, which shocked her family who were descendants of original Kentucky settlers that didn't believe in women's education. She had to move to Cincinnati to live. Her most critically acclaimed best seller was “Hunter's Horn” (1949)
http://athena.english.vt.edu/~appalach/writersA/arnow.html
http://www.oriscus.com/kywriters/arnow.htm
http://webpages.marshall.edu/~broyles2/overv1.html
    1913-Birthday of sax player Hank Mobley, Eastman, GA.  Died May 30, 1986
http://members.tripod.com/~hardbop/mobley.html
http://www.wright.edu/~martin.maner/mobley.htm
http://www.metroactive.com/papers/metro/11.20.97/jazz-9747.html
    1915 - Birthday of black author Margaret Walker, writer, at Birmingham, Alabama.  Died November 30, 1998
http://www.olemiss.edu/depts/english/ms-writers/dir/alexander_margaret_walker/
http://www.ibiblio.org/ipa/walker/
http://dept.english.upenn.edu/~afilreis/50s/walker-margaret.html
    1917-Birthday of jazz guitarist Lloyd "Tiny" Grimes guitar Newport News VA. Played with Charlie Parker and later became a rock 'n' roll guitarist.
http://www.geocities.com/bighollowtwang/TinyGrimes.html
http://www.geocities.com/bighollowtwang/TinyGrimes.html
http://www.centrohd.com/biogra/g2/tiny_grimes_b.htm
http://www.geocities.com/doo_wop_gino/cats.htm
    1917- John (Lonzo) Sullivan of the country comedy duo of Lonzo and Oscar was born in Edmonton, Kentucky. John's Brother, Rollin, was Oscar. The brothers' original songs included such ditties as "I'm My Own Grandpa" - a hit before the Second World War - "You Blacked My Blue Eyes Too Often" and "Take Them Cold Feet Out of My Back." In 1947, Lonzo and Oscar began a 20 year association with the Grand Ole Opry which ended in June 1967 with John Sullivan's death. Died June 5, 1967.
   1917 – Birthday of former Postmaster General (Johnson Administration) and NBA Commissioner Larry O’Brien, at Springfield, MA, coincidentally the birthplace of basketball.  O’Brien led John F. Kennedy’s successful Senate campaign, and repeated it in the 1960 Presidential campaign.  The NBA Championship trophy is named for him.
    1923-Famed San Franciscan Lefty O'Doul, who will become an outstanding major league hitter later in his career, gives up 13 runs in the sixth inning as the Indians rout the Red Sox, 27-3. He will finish his 11-year stint in the majors with a lifetime batting average of .349.
    1927- Trumpeter and conductor Doc Severinsen was born at Arlington, Oregon, perhaps best known as the band leader for “The Tonight Show, Starring Johnny Carson.”
http://www.delafont.com/music_acts/Doc-Severinsen.htm
http://www.pianodesk.com/oldpage/doc.htm
http://www.dwerden.com/doc/
    1928- Singer Mary Ford, who had a series of pop hits with her husband, guitarist Les Paul, in the 1950's, was born in Pasadena, California. Their successes included "Mockin' Bird Hill," "How High the Moon" and "Waiting For the Sunrise." Their recordings were among the earliest to use the technique of multitracking, and featured Ford's voice answering Paul's talking guitar. The hits stopped in 1961, and Les Paul and Mary Ford were divorced two years later. Ford died on September 30th, 1977.
http://us.imdb.com/Name?Ford,+Mary+(I )
http://www.reevesaudio.com/visitlesandmary.html
http://www.gould68.freeserve.co.uk/Les'n'MaryCol.html
    1930 – Construction began on Boulder Dam, now Hoover Dam, on the Colorado River.   http://en.wikipedia.org/wiki/Boulder_Dam.                             1934 -- F. Scott Fitzgerald, Thomas Wolfe, & Maxwell Perkins, lunch together. Fitzgerald advises Wolfe, struggling with Perkins over revisions to “Of Time & the River”: "You never cut anything out of a book you regret later."
    1937- With President Franklin D. Roosevelt in attendance at Griffith Stadium in Washington, Yankees' first baseman Lou Gehrig drives in four runs with a home run and a double to lead the AL to an 8-3 victory over the National League in All-Star action.
    1940-Birthday of drummer, singer, musician Ringo Starr (The Beatles) at Liverpool, England as Richard Starkey.   He replaced Pete Best as the Beatles drummer in August, 1962. He had two million-selling No. 1 solo singles: "Photograph" and "You're Sixteen." He married actress Barbara Bach in 1981 and appeared in several films, including "That'll Be the Day," "Cave Man" and Paul McCartney's "Give My Regards to Broad Street."
   1945-BAKER, THOMAS A. Medal of Honor
Rank and organization: Sergeant, U.S. Army, Company A, 105th Infantry, 27th Infantry Division. Place and date: Saipan, Mariana Islands, 19 June to 7 July 1944. Entered service at: Troy, N.Y. Birth: Troy, N.Y. G.O. No.: 35, 9 May 1945. Citation: For conspicuous gallantry and intrepidity at the risk of his life above and beyond the call of duty at Saipan, Mariana Islands, 19 June to 7 July 1944. When his entire company was held up by fire from automatic weapons and small-arms fire from strongly fortified enemy positions that commanded the view of the company, Sgt. (then Pvt.) Baker voluntarily took a bazooka and dashed alone to within 100 yards of the enemy. Through heavy rifle and machinegun fire that was directed at him by the enemy, he knocked out the strong point, enabling his company to assault the ridge. Some days later while his company advanced across the open field flanked with obstructions and places of concealment for the enemy, Sgt. Baker again voluntarily took up a position in the rear to protect the company against surprise attack and came upon 2 heavily fortified enemy pockets manned by 2 officers and 10 enlisted men which had been bypassed. Without regard for such superior numbers, he unhesitatingly attacked and killed all of them. Five hundred yards farther, he discovered 6 men of the enemy who had concealed themselves behind our lines and destroyed all of them. On 7 July 1944, the perimeter surrounding Sgt. Baker was attacked from 3 sides by from 3,000 to 5,000 Japanese. During the early stages of this attack, Sgt. Baker was seriously wounded but he insisted on remaining in the line and fired at the enemy at ranges sometimes as close as 5 yards until his ammunition ran out. Without ammunition and with his own weapon battered to uselessness from hand-to-hand combat, he was carried about 50 yards to the rear by a comrade, who was then himself wounded. At this point Sgt. Baker refused to be moved any farther stating that he preferred to be left to die rather than risk the lives of any more of his friends. A short time later, at his request, he was placed in a sitting position against a small tree. Another comrade, withdrawing, offered assistance. Sgt. Baker refused, insisting that he be left alone and be given a soldier's pistol with its remaining 8 rounds of ammunition. When last seen alive, Sgt. Baker was propped against a tree, pistol in hand, calmly facing the foe. Later Sgt. Baker's body was found in the same position, gun empty, with 8 Japanese lying dead before him. His deeds were in keeping with the highest traditions of the U.S. Army
    1944 -  AGERHOLM, HAROLD CHRIST  Medal of Honor
Rank and organization: Private First Class, U.S. Marine Corps Reserve. Born: 29 January 1925, Racine, Wis. Accredited to: Wisconsin. Citation: For conspicuous gallantry and intrepidity at the risk of his life above and beyond the call of duty while serving with the 4th Battalion, 10th Marines, 2d Marine Division, in action against enemy Japanese forces on Saipan, Marianas Islands, 7 July 1944. When the enemy launched a fierce, determined counterattack against our positions and overran a neighboring artillery battalion, Pfc. Agerholm immediately volunteered to assist in the efforts to check the hostile attack and evacuate our wounded. Locating and appropriating an abandoned ambulance jeep, he repeatedly made extremely perilous trips under heavy rifle and mortar fire and single-handedly loaded and evacuated approximately 45 casualties, working tirelessly and with utter disregard for his own safety during a grueling period of more than 3 hours. Despite intense, persistent enemy fire, he ran out to aid 2 men whom he believed to be wounded marines but was himself mortally wounded by a Japanese sniper while carrying out his hazardous mission. Pfc. Agerholm’s brilliant initiative, great personal valor and self-sacrificing efforts in the face of almost certain death reflect the highest credit upon himself and the U.S. Naval Service. He gallantly gave his life for his country.
    1944 - MOTO, KAORU  Medal of Honor
Private First Class Kaoru Moto distinguished himself by extraordinary heroism in action on 7 July 1944, near Castellina, Italy. While serving as first scout, Private First Class Moto observed a machine gun nest that was hindering his platoon’s progress. On his own initiative, he made his way to a point ten paces from the hostile position, and killed the enemy machine gunner. Immediately, the enemy assistant gunner opened fire in the direction of Private First Class Moto. Crawling to the rear of the position, Private First Class Moto surprised the enemy soldier, who quickly surrendered. Taking his prisoner with him, Private First Class Moto took a position a few yards from a house to prevent the enemy from using the building as an observation post. While guarding the house and his prisoner, he observed an enemy machine gun team moving into position. He engaged them, and with deadly fire forced the enemy to withdraw. An enemy sniper located in another house fired at Private First Class Moto, severely wounding him. Applying first aid to his wound, he changed position to elude the sniper fire and to advance. Finally relieved of his position, he made his way to the rear for treatment. Crossing a road, he spotted an enemy machine gun nest. Opening fire, he wounded two of the three soldiers occupying the position. Not satisfied with this accomplishment, he then crawled forward to a better position and ordered the enemy soldier to surrender. Receiving no answer, Private First Class Moto fired at the position, and the soldiers surrendered. Private First Class Moto’s extraordinary heroism and devotion to duty are in keeping with the highest traditions of military service and reflect great credit on him, his unit, and the United States Army.
   1944 - O’BRIEN, WILLIAM J.   Medal of Honor
Rank and organization: Lieutenant Colonel, U.S. Army, 1st Battalion, 105th Infantry, 27th Infantry Division. Place and date: At Saipan, Marianas Islands, 20 June through 7 July 1944. Entered service at: Troy, N.Y. Birth: Troy, N.Y. G.O. No.: 35, 9 May 1945. Citation: For conspicuous gallantry and intrepidity at the risk of his life above and beyond the call of duty at Saipan, Marianas Islands, from 20 June through 7 July 1944. When assault elements of his platoon were held up by intense enemy fire, Lt. Col. O’Brien ordered 3 tanks to precede the assault companies in an attempt to knock out the strongpoint. Due to direct enemy fire the tanks’ turrets were closed, causing the tanks to lose direction and to fire into our own troops. Lt. Col. O’Brien, with complete disregard for his own safety, dashed into full view of the enemy and ran to the leader’s tank, and pounded on the tank with his pistol butt to attract 2 of the tank’s crew and, mounting the tank fully exposed to enemy fire, Lt. Col. O’Brien personally directed the assault until the enemy strongpoint had been liquidated. On 28 June 1944, while his platoon was attempting to take a bitterly defended high ridge in the vicinity of Donnay, Lt. Col. O’Brien arranged to capture the ridge by a double envelopment movement of 2 large combat battalions. He personally took control of the maneuver. Lt. Col. O’Brien crossed 1,200 yards of sniper-infested underbrush alone to arrive at a point where 1 of his platoons was being held up by the enemy. Leaving some men to contain the enemy he personally led 4 men into a narrow ravine behind, and killed or drove off all the Japanese manning that strongpoint. In this action he captured S machineguns and one 77-mm. fieldpiece. Lt. Col. O’Brien then organized the 2 platoons for night defense and against repeated counterattacks directed them. Meanwhile he managed to hold ground. On 7 July 1944 his battalion and another battalion were attacked by an overwhelming enemy force estimated at between 3,000 and 5,000 Japanese. With bloody hand-to-hand fighting in progress everywhere, their forward positions were finally overrun by the sheer weight of the enemy numbers. With many casualties and ammunition running low, Lt. Col. O’Brien refused to leave the front lines. Striding up and down the lines, he fired at the enemy with a pistol in each hand and his presence there bolstered the spirits of the men, encouraged them in their fight and sustained them in their heroic stand. Even after he was seriously wounded, Lt. Col. O’Brien refused to be evacuated and after his pistol ammunition was exhausted, he manned a .50 caliber machinegun, mounted on a jeep, and continued firing. When last seen alive he was standing upright firing into the Jap hordes that were then enveloping him. Sometime later his body was found surrounded by enemy he had killed His valor was consistent with the highest traditions of the service.
   1944 - TANOUYE, TED T.   Medal of Honor
Technical Sergeant Ted T. Tanouye distinguished himself by extraordinary heroism in action on 7 July 1944, near Molino A Ventoabbto, Italy. Technical Sergeant Tanouye led his platoon in an attack to capture the crest of a strategically important hill that afforded little cover. Observing an enemy machine gun crew placing its gun in position to his left front, Technical Sergeant Tanouye crept forward a few yards and opened fire on the position, killing or wounding three and causing two others to disperse. Immediately, an enemy machine pistol opened fire on him. He returned the fire and killed or wounded three more enemy soldiers. While advancing forward, Technical Sergeant Tanouye was subjected to grenade bursts, which severely wounded his left arm. Sighting an enemy-held trench, he raked the position with fire from his submachine gun and wounded several of the enemy. Running out of ammunition, he crawled 20 yards to obtain several clips from a comrade on his left flank. Next, sighting an enemy machine pistol that had pinned down his men, Technical Sergeant Tanouye crawled forward a few yards and threw a hand grenade into the position, silencing the pistol. He then located another enemy machine gun firing down the slope of the hill, opened fire on it, and silenced that position. Drawing fire from a machine pistol nest located above him, he opened fire on it and wounded three of its occupants. Finally taking his objective, Technical Sergeant Tanouye organized a defensive position on the reverse slope of the hill before accepting first aid treatment and evacuation. Technical Sergeant Tanouye’s extraordinary heroism and devotion to duty are in keeping with the highest traditions of military service and reflect great credit on him, his unit, and the United States Army.
    1946-Pope Pius XII presided over the canonization ceremonies for Mother Frances Xavier Cabrini, as she became the first American to be canonized. She was the founder of the Missionary Sisters of the Sacred Heart of Jesus and her principal shrine is at Mother Cabrini High School, New York, NY. Carbrini was born at Sant’ Angelo Lodigiano in Lombard Province of Lodi in what was then part of the Austrian Empire, now Italy, on July 15, 1859 and died at Chicago, IL, December 22,1917. Her feast day is celebrated on December 22
    1948 - Satchel Paige was signed to pitch for the Cleveland Indians on his 42d birthday…we think.  Paige, who became a baseball legend playing in the Negro leagues, put on a major league uniform for the first time in his 23- year career. While he claimed to be 39, many speculated that he was actually in his 50's.  He ended the season with a 6-1 record and was instrumental in helping the Indians to the American League pennant.
    1948---Top Hits
“You Can't Be True, Dear” - The Ken Griffin Orchestra (vocal: Jerry Wayne)
“Nature Boy” - Nat King
“Woody Woodpecker Song” - The Kay Kaiser Orchestra (vocal: Gloria Wood   
   and The Campus Kids)
“Bouquet of Roses” - Eddy Arnold
    1949 - Jack Webb's "Dragnet" makes its radio debut on NBC radio. This was the first program to dramatize actual cases from police files. Each episode, on both radio and television, began with the announcement: "The story you are about to hear [see] is true; the names have been changed to protect the innocent;" and ended with the sentence the criminal was given. After a successful television preview on "Chesterfield Sound-Off Time," "Dragnet" made the permanent leap to television in January 1952. From 1952 to 1956, the show enjoyed simultaneous runs on radio and television, continuing on television until 1959. After a seven year hiatus, the show resurfaced as "Dragnet '67" to distinguish itself from its own reruns. This first real-life police drama series was such a success that it remains in syndication today.
      1950--BAUGH, WILLIAM B.  Medal of Honor
Rank and organization: Private First Class, U.S. Marine Corps, Company G, 3d Battalion, 1st Marine, 1st Marine Division (Rein.). Place and date: Along road from Koto-ri to Hagaru-ri, Korea, 29 November 1950. Entered service at: Harrison, Ohio. Born: 7 July 1930, McKinney, Ky. Citation: For conspicuous gallantry and intrepidity at the risk of his life above and beyond the call of duty while serving as a member of an antitank assault squad attached to Company G, during a nighttime enemy attack against a motorized column. Acting instantly when a hostile hand grenade landed in his truck as he and his squad prepared to alight and assist in the repulse of an enemy force delivering intense automatic-weapons and grenade fire from deeply entrenched and well-concealed roadside positions, Pfc. Baugh quickly shouted a warning to the other men in the vehicle and, unmindful of his personal safety, hurled himself upon the deadly missile, thereby saving his comrades from serious injury or possible death. Sustaining severe wounds from which he died a short time afterward, Pfc. Baugh, by his superb courage and valiant spirit of self-sacrifice, upheld the highest traditions of the U.S. Naval Service. He gallantly gave his life for his country.
    1954--Two versions of "Sh-Boom" hit the top-10. The original version by the Chords was at #9 and the cover version by The Crew Cuts was at #5
    1954- Memphis disc jockey Dewey Phillips became the first DJ to play an Elvis Presley record when he premiered "That's All Right" on his "Red, Hot and Blue" show on station WHBQ. Phillips also interviewed Presley on the program. "That's All Right" and its flip side, an updating of the country tune "Blue Moon of Kentucky," were hits in the Memphis area.
    1956-- The Platters' "My Prayer" is released.
    1956---Top Hits
“The Wayward Wind” - Gogi Grant
“Be-Bop-A-Lula” - Gene Vincent and His Blue Caps
“Born to Be with You” - The Chordettes
“Crazy Arms” - Ray Price  
    1956 - A riot breaks out at a Fats Domino concert in San Jose, CA, with twelve injured.
    1956 - Johnny Cash makes his first appearance on "Grand Ole Opry." He later becomes a regular member of the cast.
    1956-O'BRIEN, WILLIAM J. Medal of Honor
Rank and organization: Lieutenant Colonel, U.S. Army, 1st Battalion, 105th Infantry, 27th Infantry Division. Place and date: At Saipan, Marianas Islands, 20 June through 7 July 1944. Entered service at: Troy, N.Y. Birth: Troy, N.Y. G.O. No.: 35, 9 May 1945. Citation: For conspicuous gallantry and intrepidity at the risk of his life above and beyond the call of duty at Saipan, Marianas Islands, from 20 June through 7 July 1944. When assault elements of his platoon were held up by intense enemy fire, Lt. Col. O'Brien ordered 3 tanks to precede the assault companies in an attempt to knock out the strongpoint. Due to direct enemy fire the tanks' turrets were closed, causing the tanks to lose direction and to fire into our own troops. Lt. Col. O'Brien, with complete disregard for his own safety, dashed into full view of the enemy and ran to the leader's tank, and pounded on the tank with his pistol butt to attract 2 of the tank's crew and, mounting the tank fully exposed to enemy fire, Lt. Col. O'Brien personally directed the assault until the enemy strongpoint had been liquidated. On 28 June 1944, while his platoon was attempting to take a bitterly defended high ridge in the vicinity of Donnay, Lt. Col. O'Brien arranged to capture the ridge by a double envelopment movement of 2 large combat battalions. He personally took control of the maneuver. Lt. Col. O'Brien crossed 1,200 yards of sniper-infested underbrush alone to arrive at a point where 1 of his platoons was being held up by the enemy. Leaving some men to contain the enemy he personally led 4 men into a narrow ravine behind, and killed or drove off all the Japanese manning that strongpoint. In this action he captured S machineguns and one 77-mm. fieldpiece. Lt. Col. O'Brien then organized the 2 platoons for night defense and against repeated counterattacks directed them. Meanwhile he managed to hold ground. On 7 July 1944 his battalion and another battalion were attacked by an overwhelming enemy force estimated at between 3,000 and 5,000 Japanese. With bloody hand-to-hand fighting in progress everywhere, their forward positions were finally overrun by the sheer weight of the enemy numbers. With many casualties and ammunition running low, Lt. Col. O'Brien refused to leave the front lines. Striding up and down the lines, he fired at the enemy with a pistol in each hand and his presence there bolstered the spirits of the men, encouraged them in their fight and sustained them in their heroic stand. Even after he was seriously wounded, Lt. Col. O'Brien refused to be evacuated and after his pistol ammunition was exhausted, he manned a .50 caliber machinegun, mounted on a jeep, and continued firing. When last seen alive he was standing upright firing into the Jap hordes that were then enveloping him. Sometime later his body was found surrounded by enemy he had killed His valor was consistent with the highest traditions of the service.
    1958 - President Dwight D. Eisenhower signed the Alaska statehood bill.                        1962 - With "The Stripper," orchestra leader David Rose reached the number 1 spot on the popular music charts. The song stayed at the top spot for one week. Rose's previous success on the music charts was with "Holiday for Strings" in 1944.
    1962 - Riding Big Steve at Chicago, Illinois's Arlington Park, jockey Bill Hartack won his 3,000th race.
     1962 - David Rose's "The Stripper" hits #1
    1964---Top Hits
“I Get Around” - The Beach Boys
“My Boy Lollipop” - Millie Small
“Memphis” - Johnny Rivers
“Together Again” - Buck Owens
    1967 - The Monkees open a national tour with little-known Jimi Hendrix as the opening act.
    1968 -- Three years after Eric Clapton departed the Yardbirds and eight months after Jeff Beck left the group, the Yardbirds disband. Guitarist Jimmy Page had to fulfill the concert obligations and called his group The New Yardbirds. Keith Moon said "...it'll probably go over like a lead zeppelin." So Page changed the name of his group to Led Zeppelin.
http://www.rockhall.com/hof/inductee.asp?id=216
http://www.feelgood-design.com/music/yardbirds.htm
    1971-- Commissioner Bowie Kuhn and National Baseball Hall of Fame president Paul Kirk announced that former Negro League players will have full membership in the Cooperstown shrine, not a separate wing as previously planned.
    1972---Top Hits
“Song Sung Blue” - Neil Diamond
“Outa-Space” - Billy Preston
“Lean on Me” - Bill Withers
“Eleven Roses” - Hank Williams, Jr.
    1973 - Billy Preston's "Will It Go Round In Circles" hits #1
    1975-“Ryan's Hope” premiered on TV. This ABC soap ran until 1989 and was set mostly at the fictional Ryan's Tavern on Riverside Hospital at New York City.
    1980---Top Hits
“Coming Up” - Paul McCartney and Wings
“The Rose” - Bette Midler
“It's Still Rock and Roll to Me” - Billy Joel
“He Stopped Loving Her Today” - George Jones 
    1980 – American two-time Olympic medalist and five-time world champion skater Michelle Kwan  born at Torrance, CA.
    1981 - President Reagan nominated Sandra Day O'Connor to become a Supreme Court justice; she became the first woman member of the Supreme Court in September. She retired in 2006.
http://supct.law.cornell.edu/supct/justices/oconnor.bio.html
    1981-- Parts of Montana, in a rare snow storm, was covered under 10 inches of snow at Glacier National Park with winds to 90 mph. Not far to the south, Denver was setting a record high with 101!
    1984 - "When Doves Cry," the first single to be released from Prince's 1984 album “Purple Rain”, hits the top of the charts. The song stayed on top for five weeks and became the best-selling single of 1984. Meanwhile, the album topped the charts for 24 weeks and sold more than 10 million copies.
    1984 -- Mr. Ed fan club holds first national convention labelled "Edstock". Billed as "a few hours of Ed, love & music." Tiny Tim won the "Ed Award" for the greatest live performance of the Mr. Ed theme.
    1986 - Jackie Joyner-Kersee was the United State's biggest success at the Goodwill Games. At the event held in Moscow, Russia, she broke the heptathlon world record with 7,148 points. The same year, Jackie broke her own record when she scored 7,158 points in the United States Olympic Sports Festival where she won all the heptathlon's seven events.
    1987--Temperatures fluctuate at Greensburg, KS from 75 at 7 am to 95 in a few minutes then drop back to 86 by 8 am. This was accompanied by dust devils and strange clouds.
    1988 - Thirty-eight cities in the north central and northeastern U.S. reported record low temperatures for the date. Youngstown, OH, hit 100 degrees, and for the second day in a row, Flint, MI, reached 101 degrees, equaling all-time records for those two cities.
    1988---Top Hits
“Dirty Diana” - Michael Jackson
“The Flame” - Cheap Trick
“Mercedes Boy” - Pebbles
“If It Don't Come Easy” - Tanya Tucker
    1989 - Compact discs begin to outsell vinyl records for the first time.
    1989 - Thunderstorms produced severe weather during the day, with more than 100 reports of large hail and damaging winds from Ohio to Massachusetts and New Hampshire. Thunderstorm winds reached 90 mph in Sullivan County, NH, and golf ball size hail was reported in Pennsylvania. Twenty-four cities, mostly in the southwestern U.S., reported record high temperatures for the date. Afternoon highs of 105 degrees at Cedar City, UT, and 114 degrees at Moab, UT, were all-time records for those locations
    1990- The world's three most famous tenors - Luciano Pavarotti, Placido Domingo and Jose Carreras - performed their first concert together. The performance, in Rome on the eve of the World Cup soccer final, earned millions of dollars for charity. An album of the event, "Carerras-Domingo-Pavorotti in Concert," was a surprise hit on the pop charts, and eventually became the best-selling classical album of all-time.
    1998 -In the highest-scoring game in All-Star history, the American League beats the senior circuit, 13-8 in the thin air at Coors Field in Denver. The 21-run total surpasses the previous record set in 1954 when the American League beat the Nationals,11-9 in Cleveland's Municipal Stadium.
    1999 - The soundtrack album from Disney's film "Tarzan" was certified platinum on this date.
    1999-- The Colorado Rockies tie a 1903 major league record by scoring in 15 consecutive innings. Phillies' ace Curt Schilling ends the streak.
    1999-The San Francisco Landmark Preservation Board voted to bestow landmark status to the Doggie Diner restaurant across from the city zoo. Sloat Garden Center, the owner of the property, ordered the diner operator to close shop in 60 days.
    2003 – A federal judge approved a settlement fining WorldCom $750 million for its $11 billion accounting scandal. 
    2005 --The American sports of baseball and softball are dropped from the 2012 Olympic Games scheduled to be played in London. It is the first time in 69 years events have been cut from the world games.

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