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


Senior Credit Analyst

Choose Location
Anaheim, CA, Tigard, OR, Federal Way, WA

Middle Market Credits $500,000 to $5MM
including Equipment Leases and Financings
and Recourse and Non-recourse Lines of Credit
-Five or More Years Credit Underwriting Exp.
Some Relocation Provided
click here for more information

Financial Pacific Leasing - Commercial
A subsidiary of Umpqua Bank

Wednesday, July 8, 2015

Today's Equipment Leasing Headlines

1993-Pictures from the Past--Balboa Capital
Shawn Giffin, CLP, VP Finance/Patrick Byrne, CLP, President
Leasing News Complaints Bulletin Board BBB Ratings
BBB Leasing Company Ratings
   July 7, 2015 – Now “NOT ACCREDITED” Added by BBB
Leasing Industry Ads---Help Wanted
Three Excellent Companies to Work for
Advanced Execution of Acceptance Certificates
  Don't Do it!
   by Michael J. Witt, Esq.
Certified Lease & Finance Professional Academy
  Northeast, August 13th – 15th
One More Added: Top 25 Most Influential List
   in Equipment Finance and Leasing
Americans Spend 37 Hours a Month on Smartphone
  The Average Monthly App Usage is only 27 Apps
Leasing News Web App
 Download to your Mobile Device
Ascentium Capital Supports Wayne Fueling Systems
  Summer Offer
Labrador Retriever (purebred)
San Diego, California  Adopt-a-Dog
Classified Ads—Outsourcing

News Briefs---
 85 Branch Mountain America Credit Union Instant Loan
  Decisioning on Mobile Device App
Santander Holdings USA Hit with Federal Reserve
  Board Enforcement Action
Who-d a-thunk it? SF minimum wage increased 14%
   and local Chipotles just raised prices by 10-14%?
BB&T Merger with Susquehanna Bank Approved
 by Federal Reserve System
ExIm Bank shutdown Senator Manchin has harsh words
 for Congress
Smartphones aren't selling like they used to
  (it's an Android thing)
Apple Watch sales plunge 90%
  2/3rds in Lower Price Watch
Element Financial Corp’s strategy of raising cash ahead of an   
   acquisition pays off in spades
SurveyMonkey taps ex-HP exec to replace
  late CEO Dave Goldberg
Venture Backed IPOs Rising
  As M&A Deals Plunge To Lowest Since 2003
New lawsuit challenges Wynn casino on MBTA land acquisition
  failed to comply with state public bidding law

Broker/Funder/Industry Lists | Features (writer's columns)
Top Ten Stories Chosen by Readers | Top Stories last six months (Be Careful of Doing Business)
Leasing News Icon for Android Mobile Device

You May have Missed---
   SparkPeople--Live Healthier and Longer
    Sports Briefs---
      California Nuts Brief---
       "Gimme that Wine"    
          This Day in American History
           Daily Puzzle
               Weather, USA or specific area
                 Traffic Live----

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1993-Pictures from the Past
Shawn Giffin, CLP, VP Finance/Patrick Byrne, CLP, President
Balboa Capital Corporation



Patrick E. Byrne, Chief Operating Officer
Balboa Capital
(He is no longer “a Certified Leasing Professional
in Good Standing”).

Shawn Giffin, 45, passed away Thursday, June 17, 2010




Complaints Bulletin Board BBB Ratings

The following companies appear on the Leasing News
“Complaints” Bulletin Board:

Also may appear on Evergreen Abuse List

Ability Capital Solutions, Long Beach, California: Not Rated
ACC Capital, Midvale, Utah: A+
Balboa Capital, Irvine, California: A+
                   Blue Bridge Financial, LLC, Buffalo, New York: A+
De Lage Landen, Wayne, Pennsylvania: A+
iFinancial Group, San Clemente, California: A+
Integrity Financial Groups, Murray, Utah   Warning
Leasing Innovations, Inc., Solano Beach, California: A+
Liberty Capital, Aliso Viejo, California  N/R
MAC Financial Services, Scottsdale, Arizona: A+
Marlin Leasing, Mount Laurel, New Jersey A+
Jules and Associates, Los Angeles, California: A+
Matrix Business Capital, Long Beach, California: Not Rated
Mazuma Capital Corporation, Draper, Utah –Not Rated 
Newport Financial Partners, Newport Beach, California: N/R
Onset Financial, South Jordan, Utah Not Rated
Platinum Financial, Orange, California: A-
Proviso Financial Services, Coquitlam, British Columbia: N/R
Radiance Capital, Tacoma, Washington: A+
Tetra Financial Group, Salt Lake City, Utah A+

Complaints Bulletin Board


(Leasing News provides this ad as a trade for appraisals and equipment valuations provided by Ed Castagna)


BBB Leasing Company Ratings
July 7, 2015

Now stating, even on A+, in CAPS: "THIS BUSINESS IS NOT BBB ACCREDITED."  Obviously a marketing move to have companies pay the fee and become “accredited.” Some call this "blackmail", almost like the mafia in the old days, when you paid them a "protection fee."


Full List

--Accredited 12/16/1997
21st Century Leasing, San Diego, California

ACC Capital, Midvale, Utah
Closed, lenders running off portfolio residuals, according to Loni Lowder, president.

--Accredited 9/10/2000
Advantage Leasing Corporation Milwaukee, Wisconsin

--Accredited 4/01/2002
Allegiant Partners, San Rafael, California

Alliance Funding Group, Orange, California

--Accredited 9/01/2008
Arvest Bank Leasing, Fayetteville, Arkansas

--Accredited 8/27/1999
Axis Capital, Grand Island, Nebraska  

--Accredited since 12/13/1999
Balboa Capital Corporation, Irvine, California

Bankers Capital

BSB Leasing, Englewood, Colorado 

Business Leasing NorthWest, Seattle, California
(But 12 closed complaints)

 ---Accredited since 6/03/2011
Channel Partners, Maple Grove, Minnesota

--Accredited 6/20/1996
Charter Capital, Scottsdale, Arizona

---Accredited since 7/23/2013
CMS Funding, Wayne, New Jersey

--Accredited 4/6/2010
Cornerstone Medical & Technology Finance, Lees Summit, Missouri, -lees-summit-mo-99153606

CSI Leasing, St. Louis, Missouri

Dakota Financial, LLC., Los Angeles, California

De Lage Landen Financial Services, Incorporated, Wayne, Pennsylvania

Direct Capital, Portsmouth, New Hampshire

Enterprise Capital Partners dba Enterprise Leasing, Spokane, Washington   

Equilease Financial Services, Norwalk, CT (now part of North Mill Equipment Finance, a subsidiary of Colford Capital. North Mill Capital is rated A+).

--Accredited 3/10/2011
Financial Pacific, Federal Way, Washington

--Accredited 8/10/2011
Five Point Capital, San Diego, California

--Accredited 12/27/2010
Great America Leasing, Cedar Rapid, Iowa

--Accredited 8/19/2011
iFinancial Group, San Clemente, California

---Accredited since 7/29/2013
Innovative Leasing Services, Inc. Carlsbad, California carlsbad-ca-10008827/

--Accredited 7/20/2011
Jules & Associates, Los Angeles, California

---Accredited 1/2/1993
Key Equipment Finance aka KeyBank Headquarters Location

LEAF Financial Corporation, Philadelphia, PA

--Accredited 5/9/2003
Lease Corporation of America, Troy, Michigan

Accredited since 08/01/1997
Lease $mart, Oro Valley, Arizona  85737 

Leasing Innovations, Inc., Solano Beach, California

--Accredited 1/10/2013
Manufacturers' Lease Plans, Inc., Phoenix, Arizona

---Accredited 2/22/2011
Marlin Leasing, Mount Laurel, New Jersey

---Accredited 8/12/2010
Navitas Lease Finance Corp
., Ponte Vedra Beach, Florida

---Accredited since 08/09/2007
North Mill Capital, LLC, Minneapolis, Minnesota

Orion First Financial, Gig Harbor, Washington

Accredited since 09/02/1999
P&L Capital, Omaha, Nebraska

Pawnee Leasing, Fort Collins, Colorado

---Accredited since 08/21/2007
Portfolio Financial Servicing Company, Portland, Oregon

---Accredited 8/20/2009
Providence Capital Funding, Brea, California

Radiance Capital, Tacoma, Washington

Somerset Capital Group, Milford, Connecticut

---Accredited 03/03/1979
Steelcase Financial Services, Grand Rapids, Michigan

---Accredited 3/11/2005
Strada Capital Corporation, Laguna Hills, California

---Accredited 12/19/2007
Summit Funding Group, Cincinnati, Ohio    

--Accredited 7/13/2001
Taycor Financial, Los Angeles, California

TCF Equipment Finance, Minnetonka, Minnesota

Tetra Financial Group, Salt Lake city, Utah

TimePayment Corporation

United Leasing, Evansville, Indiana

US Business Funding, Santa Ana, California
(12 closed complaints)

Varilease Finance, Inc., Salt Lake City, Utah


Southern California Leasing, Tustin, California
“Factors that lowered the rating for Southern California Leasing Incorporated include:
BBB does not have a clear understanding of this business”


Platinum Financial, Orange, California

NOT Rated

(Formerly Accredited 2/10/2007)
Ability Capital Solutions, Long Beach, California

Atel Capital

Icon Capital GroupHarrison, New York (Icon Capital now into gas and oil).

(Formerly Accredited 12/13/2007)
Matrix Business Capital, Long Beach, California

Mazuma Capital Corp., Salt Lake City, Utah

Newport Financial Partners, Newport Beach, California

Onset Financial, South Jordan, Utah

Studebaker-Worthington Leasing Corp., Jericho, New York

Susquehanna Commercial Finance, Pottstown, Pennsylvania

Note: Many banks and financial Institutions with leasing entities evidently do not have their leasing divisions separated from bank and financial institutions ratings. No rating was found on the leasing divisions.

Find your company's BBB listing by going to and using your zip code first for the right division.

To list your company in the next listing, please email rating to



Leasing Industry Ads---Help Wanted
Opportunities Available

Senior Credit Analyst

Choose Location
Anaheim, CA, Tigard, OR, Federal Way, WA

Middle Market Credits $500,000 to $5MM
including Equipment Leases and Financings
and Recourse and Non-recourse Lines of Credit
-Five or More Years Credit Underwriting Exp.
Some Relocation Provided
click here for more information

Financial Pacific Leasing - Commercial
A subsidiary of Umpqua Bank

Finance Officer

Fleet Financing Resources, LLC. is seeking candidates
to join our team. 3 yrs. sales exp. in the equipment leasing
& finance with pref. of titled transportation equipment

Click here for more information
Nationwide Leasing & Financing of Commercial Fleets



Advanced Execution of Acceptance Certificates
Don't Do it!
by Michael J. Witt, Esq.

You’ve been warned many times before: don’t allow delivery and acceptance certificates to be signed before actual delivery. The reason is well-known: if the equipment is defective and the lessee stops paying and can prove that the certificate was pre-signed, then the lessee could argue that the Hell or High Water clause in the lease is unenforceable, even though the lessee is partially complicit in the “lie.”

But now here’s a second and far more pragmatic reason for not allowing the advanced execution of acceptance certificates: Sooner or later you're going to make a mistake. Shortcuts never work 100% of the time, and even an error rate of 1% can cost you plenty.

Here’s a case in point, a true story: Vendor ABC prides himself on being efficient. “Minimal human touch” is his driving principle. A new leasing customer is in Vendor’s office on June 5 to sign the lease . . . . so why not just have the Lessee sign the acceptance certificate too, even though delivery can’t be scheduled until June 28? That’s the efficient thing to do, right? Everyone else in the business does it. It's a little “white lie.” No one gets harmed.

Delivery goes forward on June 28. Lessor funds Vendor on June 29 and files its UCC-1 financing statement the same day. Lessee files for bankruptcy the following year. Unrelated Creditor, who has a blanket lien on all of Lessee’s assets, convinces the court that the lease is not a true lease but a secured loan instead. The Uniform Commercial Code requires a purchase-money lender to file its UCC within 20 days of equipment delivery in order to take priority over a blanket lien holder. Therefore, since Lessor filed its UCC-1 within 20 days of the actual delivery, Lessor takes priority over Creditor, right?

Wrong. Unfortunately for Lessor, Vendor was a little too efficient, too expeditious, in having Lessee sign the acceptance certificate in advance. He forgot to tell Lessee to leave the date on the certificate blank, and when he submitted the documents to Lessor, he didn't notice that Lessee filled in the true date on which he signed all the papers—June 5. Therefore, the Court ruled that Creditor had priority over Lessor because the acceptance certificate was dated more than 20 days before the Lessor filed its UCC.

“But wait a minute,” Lessor pleaded with the judge. “The truth of the matter is that the equipment was delivered on June 28, not June 5. I can prove this to you, judge, by this other receipt I have here. Surely you won’t let this little error overrule the real truth.”

The judge would hear none of it, and probably rightly so. He said, in so many words, that it was too late to tell the truth.

Michael J. Witt
(515) 868-1067
4242 Oakwood Lane
West Des Moines, IA 50265
Member, LEAN
Lease Enforcement Attorney Network



The host First American Equipment Finance CLFP's will be the primary instructors.  "It would be a great one to attend," Reid Raykovich, CLFP, Executive Director, says. ”They obviously know what they’re doing since they have 41 CLFP's!"

For Further Information, contact:
Reid Raykovich, CLFP
Executive Director
CLFP Foundation
206-535-6281 – direct


One More Added: Top 25 Most Influential List
in Equipment Finance and Leasing

New to be added to the List

Irwin Wittlin is well-known in the leasing industry as he was past member of the Board of Directors of the United Association of Equipment Leasing (UAEL) at time of merger and formation of National Equipment Finance Association (NEFA). He is a past chairman of the legal committee and has spoken on a variety of legal issues at recent conventions, including the topics of, "Effective Lease Collections," “Working With Outside Counsel," "Fraud Prevention," "Maintaining Your Business Credit Line," and “Selected Issues in NorVergence”. He is an instructor for the Certified Lease Program Foundation ("CLP") on the subjects of lease law, lease documentation, and collections. Mr. Wittlin is a frequent speaker on various legal and collection related topics for various professional organizations, with an emphasis on leasing, business litigation and collections.

Most Influential Lawyers in Equipment Finance and Leasing
Andrew Alper
Thomas V. Askounis

Joe Bonanno, CLFP

James Coston
Jonathan Fleisher
Kenneth Charles Greene, Esq.
Michael A. Leichtling
Malcolm C. Lindquist 
Barry Marks, Esq.
David G. Mayer
Frank Peretore
John G. Sinodis 
Ellen Michelle Stern
Kevin Trabaris
Michael J. Witt

Biographies of Past Nominees

"Influential" as "a person whose actions and opinions strongly influence the course of events." "Preeminent" is "eminent above or before others; superior; surpassing:" {Online Dictionary}

When the list exceeds 25, there will be a point when the top 25 on the list will be finalized. Nominations will appear in two parts: New Nominations/The Top List to Date (alphabetical) Again, this is not a popularity contest and those making the nomination will not be named.



Americans Spend 37 Hours a Month on Smartphone
The Average Monthly App Usage is 27 Apps insider

According to research from Nielsen via Statista, American iPhone and Android phone users spent an average of 37 hours and 28 minutes using smartphone apps in the fourth quarter of 2014, more than double the figure of 18 hours and 18 minutes from the last quarter of 2011. But the number of apps used has barely budged, moving from 23.3 to 26.7.

Americans are spending more than twice as much time using smartphone apps as they did just three years ago. But most of that extra time is in a small number of familiar apps, rather than spreading it among a bunch of new ones.



Leasing News Web App
Download to your Mobile Device

Readers can access the latest edition of Leasing News on their mobile device by going to their browser and typing in A web app is available for Android smartphones that opens the news edition in Portrait style, versus a landscape (but can be read either way; however, designed for Portrait viewing).

To add the Android Web App, open www.leasingnews in your mobile device, go to this article, and click on the link below:

Your mobile device has a download section, just as your computer has a download section. Find the .apk file and open it. It will automatically be placed with your other Web Aps. Adjust the size to fit your screen.

You can also ask us to email you the .apk to your mobile device and then follow the directions in the paragraph above.


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

Ascentium Capital Supports Wayne Fueling Systems
Summer Offer

KINGWOOD, TX, – Ascentium Capital, a leader in providing equipment financing across the United States, announces its support of Wayne Fueling Systems (“Wayne”), a global provider of fuel dispensing, payment, automation, and control technologies for retail and commercial fuel stations, through its customized finance program.

Ascentium Capital specializes in providing equipment lending solutions to the petroleum industry. Wayne is leveraging Ascentium’s specialized finance program to help ensure C-store and fuel retailers have a convenient way to acquire Wayne Ovation™2 fuel dispensers. When these dispensers are financed through Ascentium Capital’s finance program, Wayne is offering a special promotion on their EMV® hybrid chip card readers.  EMV is the global standard created by EuroPay, MasterCard, and Visa to securely authenticate credit and debit card transactions.  To be compliant with payment network EMV requirements, fuel retailers are encouraged to upgrade indoor POS software and hardware by October 2015, and outdoor pay-at-the-pump equipment by October 2017.  This offer is available through September 30, 2015.

Dave LaCaille
Wayne's Director
U.S. Distribution
and National Accounts

“We are pleased to team up with Ascentium Capital to ensure our distributor network has a financing solution to extend to their clients when they are purchasing Wayne equipment and solutions. Our goal is to enhance the point-of-sale solution by offering a secure, state-of-the art EMV® payment platform, helping drive the success of C-stores and fuel retailers,” commented Wayne’s Director, U.S. Distribution and National Accounts, Dave LaCaille.   

Len Baccaro
Senior Vice President, Sales
Ascentium Capital

“Combining Wayne’s dispenser and POS solutions with Ascentium’s financing is a way for fuel retailers to conveniently upgrade or add new equipment.  Taking advantage of a finance structure that helps manage cash flow as the new dispensers and point of sale solution, will help drive client satisfaction and increase revenue,” remarked Len Baccaro, Senior Vice President of Sales at Ascentium Capital.
About Ascentium Capital

As a direct lender, Ascentium Capital specializes in providing business financing, leasing, and loans for equipment manufacturers and distributors as well as direct to businesses nationwide. The company is backed by the strength of leading private investment firms Vulcan Capital and LKCM Capital Group, LLC. For more information, please visit

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


Labrador Retriever (purebred)
San Diego, California  Adopt-a-Dog

ID: 3902
Animal's location: Labrador Rescuers
Breed: Yellow Labrador Retriever (purebred)
Age:  5 years, 2 months
Gender:  Male
Altered: yes

Description: “Dodger is a handsome American style Lab. He is very good with people and other dogs. He has a great temperament with a good energy level and settles nicely in the house.

“Dodger knows basic commands like sit, stay, and come. He enjoys going for a walk, pulls some on leash but can be controlled. Dodger has improved some on leash during his short time in foster.

“Dodger loves attention the most and he is not as motivated as some dogs on food or toys.

“Dodger is athletic, strong, and fun loving. He'll appreciate a medium to large-size yard. He enjoys the company of other dogs and is well socialized. He would do better in a house with another dog. Although we do not know how he feels towards cats, Dodger does not appear to have a high prey drive.

“Dodger is ready to be a family dog: he knows which parts of the house are off limits and he knows which parts of the yard are suitable as his potty area.

“If you are interested in adopting Dodger, visit the Adoption Info page to submit an application

“Additional information:  *Housetrained   *Needs home with no cats   *Current on shots”

Adoption Information:

Labrador Rescuers
P.O. Box 221038
San Diego, CA  92192-1038

Adopt a Pet


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


News Briefs----

85 Branch Mountain America Credit Union Instant Loan Decisioning on Mobile Device App

Santander Holdings USA Hit with Federal Reserve
  Board Enforcement Action

Who-d a-thunk it? SF minimum wage increased 14%

BB&T Merger with Susquehanna Bank Approved

ExIm Bank shutdown Senator Manchin has harsh words for Congress

Smartphones aren't selling like they used to

Apple Watch sales plunge 90%

Element Financial Corp’s strategy of raising cash ahead of an acquisition pays off in spades

SurveyMonkey taps ex-HP exec to replace late CEO Dave Goldberg

Venture Backed IPOs Rising

New lawsuit challenges Wynn casino on MBTA land acquisition



--You May Have Missed It

Amazon is celebrating the 20th birthday of its website
with a massive one-day sale for Prime members


SparkPeople--Live Healthier and Longer

Wild or Farmed Fish: What's Better?
The Pros and Cons for Your Health and the Planet


Baseball Poem

The Call of the Brook

Whene'er a gentle shower falls
And lures the red worms from the soil
A still, small voice from somewhere calls
And bids me quit insipid toil.

I want to take a line and hook,
A can of wiggly, squirming bait,
And mope off to the burbling brook
Where hungry bullheads stand and wait.

The green upon the gracefu1 elm,
The red-bird singing in the tree,
The tadpole as he ports his helm
Are all of interest to me.

This angling is a sport for kings,
It beats baseball and mumbly pegs;
It makes dull care sprout eagle wings
And knocks the spavin from my legs.

And as I hit the homeward route
'Tis sweet to think, at eventide,
When I have yanked their innards out
How nice those fish will be when fried.

I like their flavor, it is true
But if I do not get a bite,
I feel most any way but blue
As I go tramping home at night.

For narrow is the soul of him
Whose only concept of success
Hangs on the proposition, slim,
Of whether he can catch a mess.

Verdigris Valley Verse
Albert Stroud
(Coffeyville, Kansas: The Journal Press. 1917




Sports Briefs----

Celtics trade Gerald Wallace to Warriors for David Lee

U.S. Women Win World Cup, Get Stiffed By FIFA

World Cup hero Carli Lloyd must strike quickly in ad world


Receivables Management LLC
John Kenny

• End of Lease Negotiations & Enforcement 
• Third-Party Commercial Collections | ph 315-866-1167

(Leasing News provides this ad as a trade for investigative
reporting provided by John Kenny)


California Nuts Briefs---

Water District 'Drought Shames' Tom Selleck in Court

Could Fort Bragg be compelled to change name?

Sonoma County’s booming restaurant industry drives wage shift

California’s Drought Changes Habits in the Kitchen


“Gimme that Wine”

Napa sheriff won’t give up search for French Laundry wine thief

The Inside Story Of Wagner’s $315 Million Sale Of Meiomi

James Conaway wraps up Napa wine trilogy

Major Winemaking Facility to Open in Southern Oregon

3 new wine trails to originate in Asheville, NC

New, improved, glorious Gloria Ferrer

The most underrated chateau in Bordeaux today

Free Mobile Wine Program

Wine Prices by vintage

US/International Wine Events

Leasing News Wine & Spirits Page


This Day in American History

       1584 - In a letter from Giovanni da Verrazano, the Florentine explorer, to Francis I, king of France “...took a Native American childe from...(an) olde woman to bring into France, and going about to take...(a) young woman which was very beautiful and of tall stature, they could not possibly, for the great outcries that she made, bring her to the sea; and especially having great woods to pass through and being farre from the ship, we purposed to leave her behinde, beareing away the childe only.”  The diaries and letters of the day describe encounters with Indians, capturing them for slaves, describing Native American life.
    1758 – French forces hold Fort Carillion against the British at Ticonderoga, NY.
    1775 - Representatives of New Hampshire, Massachusetts Bay, Rhode Island, Providence, Connecticut, New York, New Jersey, Pennsylvania, Delaware, Maryland, Virginia, North Carolina and South Carolina signed a petition, known as The Olive Branch Petition”, from the Congress to the King (George III), a final attempt by moderates in the Second Continental Congress to avoid a complete break with England. After the American Revolutionary War, over 300,000 loyalist citizens to King George returned to England (more than a third of the population was “loyal” to the king.) Many also elected to remain in the United Colonies, as it was then called.
    1776 - The first public reading of the Declaration was given by Colonel John Nixon to the assembled residents at Philadelphia's Independence Square.   He had been chosen by the sheriff of Philadelphia (in those days, the highest ranking citizen of a town as per English tradition). The next day, the Declaration was read before George Washington's troops in New York City.
    1831 – John Pemberton (1831-88) the man who invented Coca-Cola, was born in Knoxville, GA.
    1838 – Birthday of Eli Lilly (1838-98) in Baltimore.  He was a soldier, chemist, industrialist, entrepreneur, and founder of the Eli Lilly and Company.  Lilly enlisted in the Union Army during the civil war; he recruited a company of men to serve with him in an artillery battery, was later promoted to colonel, and was given command of a cavalry unit. He was captured near the end of the war and held as a POW until its conclusion.
    1839 – John D. Rockefeller (1839-1937) was born in Richford, NY.  He was a co-founder of the Standard Oil Company, which dominated the oil industry and was the first great U.S. business trust. Rockefeller revolutionized the petroleum industry, and with other key contemporary industrialists such as Andrew Carnegie, defined the structure of modern philanthropy. In 1870, he founded Standard Oil Company and actively ran it until he officially retired in 1897.  As kerosene and gasoline grew in importance, Rockefeller's wealth soared and he became the world's richest man and the first American worth more than a billion dollars, controlling 90% of all oil in the United States at his peak.  Adjusting for inflation, his fortune upon his death in 1937 stood at $336 billion, accounting for more than 1.5% of the national economy, making him the richest person in US history.
    1844 - Mary Johnson Bailey Lincoln (1844-1921) was born in South Attleboro, MA.  She was a teacher at the Boston Cooking School who authored “Mrs. Lincoln's Boston Cook Book: What to Do and What Not to Do in Cooking”, published by the Boston firm of Roberts Brothers in 1884. She later observed, "This was done primarily to meet the need of a textbook for our pupils and save the copying of recipes".  It contained the daringly innovative recipe measurement methods as well as explaining the how's of cooking, hygiene, and nutrition.  Considered one of the pioneers of the Domestic Science movement in the US, she was among the very first to address the scientific and nutritional basis of food preparation.  It was also cone of the first American cook books to provide scientific information about nutrition and the chemistry of cooking. It also helped to set a pattern for the rational organization of cookbooks, and was among the first in America to provide recipes formulated with consistent measurements. It should be seen as the fore-runner to the world-famous “Boston Cooking School Cook Book” by Fannie Merritt Farmer, Mrs. Lincoln's most prominent student who eventually succeeded her as principal of the Boston Cooking School.
Most publishers frowned on such books because women were thought to be born with the innate knowledge of cooking. Publishers thought such directions were unnecessary and women would refuse to buy the "insulting" books. “The Boston Cooking School Cook Book” became an instant best seller.
    1846 - U.S. annexed California, to become a state on Sept 9, 1850, as part of the Compromise of 1850.  San Francisco was a town of 96 votes
with fifty dwellings.
    1850 - The overland gold rush to California through Fort Laramie, WY, involved 42,300 emigrants and 9720 wagons between January 1 and July 8.
Over 90% of the population of California was male.  Nine years later men still outnumbered women six to one.
    1853 - Admiral Perry and US Navy “visit” Japan
    1856 - Charles E. Barnes of Lowell, MA, obtained a patent on an “improved automatic cannon.”  It was operated by a crank, the speed of firing depending upon the speed with which the crank was turned. It was primitive and before the “metal gun cartridge.”  Richard J. Gatling of Indianapolis, Indiana obtained a patent on November 4, 1862, on “an improvement in revolving battery guns.” The first gun, which fired 250 shots a minute, was made in Indianapolis. Dr. Richard Jordan Gatling, a medical doctor with numerous patents in farm equipment to his credit, devised the famous Model 1862 “Revolving Battery Gun” now simply referred to as the Gatling gun.  Although not first to manufacture a multi-fire weapon, he was the first to produce a reliable, rapid fire, “machine gun.”  The rest, as they say, is history. The Gatling gun was a hand-crank-operated weapon, comprised of six barrels revolving around a central shaft. The original gun was actually designed to fire the standard military issue paper cartridge of the day, .58 caliber.  The paper cartridge was placed inside a steel or brass chamber with percussion nipple on the back end just like muzzle loading rifles and pistols of the time.
The cartridges were gravity-fed through a hopper mounted on the top of the gun. Six cam-operated bolts alternately wedged, fired, and dropped the bullets, which were contained in steel chambers. Gatling used the six barrels to partially cool the gun during firing. Since the gun was capable of firing 600 rounds a minute, each barrel fired 100 rounds per minute.
1862 - Major General Benjamin F. Butler purchased 12 Model 1862 Gatling guns for $1,000 each, in 1863 and employed them at the Battle of Petersburg.
Butler is the same fellow hated in New Orleans for his actions while he occupied the city.  I could find no information about the first use of the Gatling gun, except : “His failure to act decisively with the Army of the Potomac against Petersburg, and following his ability to grasp defeat from the jaws of victory during the first expedition against Fort Fisher, North Carolina in December 1864, led to General Butler's forced resignation from the Army.” As an interesting side note, what we see in movies today and usually displayed or shot is not the original model 1862.  Most probably, it is a model 1873 or later version.  All in all, the 1862 Gatling gun is one of the greatest design achievements in military armament ever created ranking up with breech loading weapons and metallic cartridges in significance to modern warfare.  In January of 1865, Gatling proposed is his improved model 1865 gun to the U.S. Government, which was subsequently tested by the Ordnance Department. This model was adopted officially in 1866.  It served the frontier, enabling the Union Calvary to be of small number in domineering the West. After receiving government approval, Gatling began to sell his guns throughout the world, where they achieved world-wide fame.  Twenty five countries, twenty nine calibers, and 55 years later, the hand-crank Gatling gun was finally retired from U.S. military service just months prior to the U.S. entered World War I.  Even then, it remained deployed into the middle 1920's stateside.  Tucked away in storage for over 30 years, an original model 1883 in 45-70 caliber, was able to successfully fire 5,600 rounds per minute by hooking it up to an electric motor.  This ultimately became the forerunner of today's Vulcan system capable of firing 6000 rounds per minute of 20 mm cannon shells.
    1861 - Winfield Scott, general in chief of the Union army, announced that the Washington telegraph office would no longer carry “dispatches concerning the operations of the army not permitted by the commanding general.” All stories had to be cleared first with the Army as “press accounts of the activities in Washington, DC, might prove helpful to the enemy.
    1863 - JEB Stuart at The Battle of Gettysburg.  Taken From” The Life and Campaigns of Major-General JEB Stuart", by H. B. McClellan, A.M. Late Major, Assistant Adjutant-General.  “From the 8th to the 12th of July, Stuart covered the front of Lee's army, which had now taken a strong position, and was securely entrenched while waiting for the waters of the Potomac to fall. These days were occupied by severe fighting between Stuart's command and the divisions of Buford and Kilpatrick, at Boons-boro', Beaver Creek, Funkstown, and on the Sharpsburg front. The cavalry fought mostly dismounted, and was aided on either side by small bodies of infantry. It would be tedious to enter into all the details of these battles, in which both parties claim the victory, and with apparent sincerity. Stuart reports an aggregate loss of 216 in these engagements, while Generals Buford and Kilpatrick and Colonel Huey report a loss of 158. Stuart accomplished the object he had in view, which was to delay the advance of the enemy until General Lee was secure in his chosen position. On the 12th of July, Stuart uncovered Lee's front, against which the Federal army advanced, but found it so strong that it declined to make an attack. These days will be remembered by the members of General Stuart's staff as days of peculiar hardship. Scanty rations had been issued to the men, but nothing was provided for the officers. The country had been swept bare of provisions, and we could purchase nothing. For four or five days in succession we received our only food, after nightfall, at the hands of a young lady in Hagerstown, whose father, a Southerner, sympathized with the Confederacy. But for the charity of this lady, whose name we shall always gratefully remember, we would have suffered the pangs of severe hunger. The attention of students of psychology is called to an incident which occurred at this time. After a day of incessant fighting, Stuart and his officers reached the house of this friend about nine o'clock in the night. While food was being prepared Stuart fell asleep on the sofa in the parlor. When supper was announced he refused to rise. Knowing that he had eaten nothing within twenty-four hours, and that food was even more necessary for him than sleep, I took him by the arm and compelled him to his place at the table. His eyes were open, but he ate sparingly and without relish. Thinking that the supper did not suit him, our kind hostess inquired:--
 "General, perhaps you would relish a hard-boiled egg?"  "Yes," he replied, "I'll take four or five."  This singular reply caused a good deal of astonishment on the part of all who heard it, but nothing was said at the time. The eggs were produced; Stuart broke one and ate it, and then rose from the table. When we returned to the parlor I sat down at the piano, and commenced singing, "If you want to have a good time, join the cavalry." The circumstances hardly made the song appropriate, but the chorus roused the general, and he joined in it with a hearty good will.
    1863 - Confederate General Lee decided to take the war to the enemy, specifically Washington, DC, which he hopes to capture and thus have the war ended. On June 13, he defeated Union forces at Winchester, Virginia, and continued north to Pennsylvania. General Hooker, who had been planning to attack Richmond, was instead forced to follow Lee. Hooker, never comfortable with his commander, General Halleck, resigned on June 28, and General George Meade replaced him as commander of the Army of the Potomac.
On July 1, a chance encounter between Union and Confederate forces began the Battle of Gettysburg. In the fighting that followed, Meade had greater numbers and better defensive positions. He won the battle, but failed to follow Lee as he retreated back to Virginia. Militarily, the Battle of Gettysburg was the high-water mark of the Confederacy; it is also significant because it ended Confederate hopes of formal recognition by foreign governments. The days following Lee's retreat saw major battles won by the Union Army in General Grant's long time plan to cut off supplies to Confederate troops. On November 19, President Lincoln dedicated a portion of the Gettysburg battlefield as a national cemetery, and delivered his memorable "Gettysburg Address."
Photographs of the battleground began immediately after the battle of July 1-3. This group of photographs also includes a scene of Hooker's troops in Virginia on route to Gettysburg.
    1889 - John L. Sullivan, heavyweight champion of the world, defeated Jake Kilrain in the 75th round of a fight in Richburg, MS. This was the last bare-knuckles title fight after which boxing was governed by the Marquess of Queensbury rules.
    1889 – The Wall Street Journal was published for the first time.
   1908 - Jazz alto saxophonist and singer Louis Jordan (1908-75), whose records in the 1940's with his Tympany Five helped shape the R'n'B of the following decade, was born in Brinkley, Arkansas. After playing with several big bands, Jordan formed his combo in 1938. For the next decade, they produced blues and novelty records such as "Caledonia," "Let the Good Times Roll" and "Choo Choo Ch'Boogie," a million-seller in 1946. Jordan's 1943 hit "Five Guys Named Moe" became the title of a 1990's Broadway musical based on his songs.  Many blues and R'n'B artists grew up listening to Jordan's music, and among those acknowledging his influence are Chuck Berry and Ray Charles.
    1908 – Former Vice President and Governor of New York, Nelson Rockefeller (1908-79) was born in Bar Harbor, ME.
    1911 - Nan Jane Aspinwall rode into New York City carrying a letter to Mayor William Jay Gaynor from San Francisco Mayor Patrick Henry McCarthy, becoming the first woman to cross the US on horseback. She began her trip in San Francisco on Sept 1, 1910, and covered 4,500 miles in 301 days.
    1914 - Birthday of Billy Eckstine (1914-93) in Pittsburgh, bandleader and bass-baritone singer.  After performing with the Earl Hines band for almost 20 years, Eckstine formed his own band in 1944.  At one time or another in the band's ranks included Charlie Parker, Dizzy Gillespie, Miles Davis, Fats Navarro, Dexter Gordon, Gene Ammons, Art Blakey and vocalist Sarah Vaughn---some of the greatest bebop musicians of all time.  Among Eckstine's hits were “Fools Rush In,” “ Everything I Have Is Yours,” “ Blue Moon,” and “Body and Soul.”
    1918 – “Peter Gunn”, Craig Stevens (1918-2000) was born in Liberty, MO.
    1932 - The stock market fell to its lowest point in the Great Depression.  The Great Crash had begun in 1929, and this was the darkest day. Dow Jones Industrial Average, 41.22.
    1933 - Birthday of author James Giblin.
    1935 - Birthday of Steve Lawrence, pop singer, born Sidney Liebowitz in Brooklyn, New York. His "Go Away Little Girl" was a number-one hit in 1962. Lawrence, who got his start as a singer on the "Tonight" show in 1954, had more than 20 chart records. He and his wife, Eydie Gorme, often recorded and performed together.
    1941 - With a dramatic two-out, bottom of the ninth inning, three-run home run by Red Sox outfielder Ted Williams, the AL All-stars beat the National League at Briggs Stadium in Detroit, 7-5.
    1947 - Reports are broadcast that a UFO crash landed in Roswell, NM in what became known as the Roswell UFO incident.
    1948 – The Air Force accepted its first female recruits into a program called Women in the Air Force (WAF).
    1949 – Wolfgang Puck was born in Austria.
    1949 – Top Hits
“Some Enchanted Evening” – Perry Como
“Again” – Gordon Jenkins
“Bali Ha’I” – Perry Como
“One Kiss Too Many” – Eddy Arnold
    1949 – Hank Thompson (1925-69), the first black to play with the St. Louis Browns, became the New York Giants’ first African-American player. The former Kansas City Monarchs’ standout broke in to the majors 12 days after Larry Doby’s American League debut with the Indians in 1947.  Thompson became the only player to participate in breaking the segregation barrier on two different teams.
    1953 – SHEA, RICHARD T., JR. Medal of Honor.
Rank and organization: First Lieutenant, U.S. Army, Company A 17th Infantry Regiment, 7th Infantry Division. Place and date: Near Sokkogae, Korea, 6 to 8 July 1953. Entered service at: Portsmouth, Va. Born: 3 January 1927, Portsmouth, Va. G.O. No.: 38, 8 June 1955. Citation: 1st Lt. Shea, executive officer, Company A, distinguished himself by conspicuous gallantry and indomitable courage above and beyond the call of duty in action against the enemy. On the night of 6 July, he was supervising the reinforcement of defensive positions when the enemy attacked with great numerical superiority. Voluntarily proceeding to the area most threatened, he organized and led a counterattack and, in the bitter fighting which ensued, closed with and killed 2 hostile soldiers with his trench knife. Calmly moving among the men, checking positions, steadying and urging the troops to hold firm, he fought side by side with them throughout the night. Despite heavy losses, the hostile force pressed the assault with determination, and at dawn made an all-out attempt to overrun friendly elements. Charging forward to meet the challenge, 1st Lt. Shea and his gallant men drove back the hostile troops. Elements of Company G joined the defense on the afternoon of 7 July, having lost key personnel through casualties. Immediately integrating these troops into his unit, 1st Lt. Shea rallied a group of 20 men and again charged the enemy. Although wounded in this action, he refused evacuation and continued to lead the counterattack. When the assaulting element was pinned down by heavy machine gun fire, he personally rushed the emplacement and, firing his carbine and lobbing grenades with deadly accuracy, neutralized the weapon and killed 3 of the enemy. With forceful leadership and by his heroic example, 1st Lt. Shea coordinated and directed a holding action throughout the night and the following morning. On 8 July, the enemy attacked again. Despite additional wounds, he launched a determined counterattack and was last seen in close hand-to-hand combat with the enemy. 1st Lt. Shea’s inspirational leadership and unflinching courage set an illustrious example of valor to the men of his regiment, reflecting lasting glory upon himself and upholding the noble traditions of the military service. 
    1957 – “Teddy Bear” became Elvis Presley’s eighth US number one hit in the past fifteen months. 
    1957 – Top Hits
“Teddy Bear” – Elvis Presley
“Love Letters in the Sand” – Pat Boone
“Over the Mountain; Across the Sea” – Johnnie & Joe
“Four Walls” – Jim Reeves
    1958 – The first gold record album presented by the Recording Industry Association of America (RIAA) was awarded. It went to the soundtrack LP, “Oklahoma!”. The honor signified that the album had reached one million dollars in sales. The first gold single issued by the RIAA was “Catch a Falling Star”, by Perry Como, in March of 1958. A gold single also represents sales of one million records. 
    1958 – Hank Ballard records a self-penned tune called “The Twist” at Vee-Jay Records’ studios in Gary, Indiana. A re-recorded version released by King Records would make a modest splash on the R&B charts in 1959, but it would take Chubby Checker to make a giant hit out of it in 1960. 
    1960 – Storer Broadcasting Company purchased WINS radio in New York City for $10 million. It was the highest price paid for a radio station (to that time). Many great radio personalities including Murray the K, Bruce Morrow and Alan Freed were stars on WINS Radio. WINS, under Storer ownership, also aired some very clever promotions, including the time they drove the New York media crazy. It was a discovery (thought to be a rare find) in the back seat of a New York taxicab: a clay tablet that looked to be Egyptian and had carvings on it. Upon closer examination, it read, “Everybody’s mummy listens to 10-10 WINS!” 
    1963 – James Brown went to #2 on the US album chart with “Live At The Apollo”. The LP spent a total of 33 weeks on the chart. 
    1963 – Freddie and The Dreamers record “I’m Telling You Now”, which would climb to number 2 in England. When it was released in the US the following year, during the height of the British Invasion, it made the Top Ten. 
    1965 – The Dave Clark Five followed the Beatles onto the silver screen with a movie of their own called “Catch Us If You Can”. The film was renamed to “Having a Wild Weekend” for its US release and featured the group performing “Catch Us If You Can”, “Having a Wild Weekend” and “I Can’t Stand It”. 
    1965 – Top Hits
“I Can’t Help Myself” – Four Tops
“(I Can’t Get No) Satisfaction” – The Rolling Stones
“For Your Love” – The Yardbirds
“Before You Go” – Buck Owens
    1965 – Roy Wilkins becomes executive director of the National Association for the Advancement of Colored People.
    1967 - Tennis player Billie Jean King of the United Sates won three titles at Wimbledon.  She beat Anny Haydon Jones for the singles title, teamed with Rosie Casals for the women's doubles title and joined with Owen Davidson to capture the mixed doubles title.
    1968 - The first movie directed by an African-American director to be released in the United States was “Story of a Three Day Pass,” directed by Melvin Van Peeble.  His story of an African-American serviceman on leave in France, based on his book of the same name, led to his being signed by Columbia Pictures to make more files for African-American audiences.
    1970 - The Everly Brothers Summer TV series debuts on CBS-TV for the first of a ten week run. 
    1970 - The San Francisco Giants’ Jim Ray Hart hit for the cycle (a single, double, triple and home run in one game). Hart became the first National League player in 59 seasons to collect six runs batted in (RBI) during a single inning. The Giants walloped the Atlanta Braves 13-0. 
    1970 – President Nixon delivered a special congressional message enunciating Native American self-determination as official US Indian policy, leading to the Indian Self-Determination and Education Assistance Act of 1975.
    1972 - 34 year old Bill Withers had the top spot on the Billboard Hot 100 with "Lean On Me", his second US Top Ten hit after "Ain't No Sunshine" in September, 1971. The song reached #18 in the UK. 
    1973 - Top Hits
“Will It Go Round in Circles” - Billy Preston
“Kodachrome” - Paul Simon
“Bad, Bad Leroy Brown” - Jim Croce
“Why Me” - Kris Kristofferson
    1978 - Following in the disco footsteps of his older Bee Gee brothers, Andy Gibb gets into the act with "Shadow Dancing." The album peaks at #18, while the title track reaches number one
    1978 - Bjorn Borg of Sweden won 3rd consecutive title at Wimbledon
    1978 - After a six month stay, the soundtrack to “Saturday Night Fever” is finally knocked out of the top spot on the Billboard album chart by Gerry Rafferty's "City To City", which contained the single "Baker Street".
    1981 - Top Hits
“Bette Davis Eyes” - Kim Carnes
“All Those Years Ago” - George Harrison
“The One that You Love” - Air Supply
“I was Country When Country Wasn't Cool” - Barbara Mandrell
    1984 - John McEnroe made short work of Jimmy Connors at Wimbledon. Connors managed to win only four games and tied for the second lowest number of games won by a Wimbledon men's singles finalist since 1922. McEnroe won the event in just 1 hour 20 minutes. 
    1985 - Pro Football Hall of Famer Jack Lambert of the Pittsburgh Steelers announced his retirement on this, his 33rd birthday. A 1974 second-round draft choice from Kent State University in Ohio, Lambert played 11 seasons with the Steelers. He racked up several awards including the NFL's Rookie of the Year [1974], Defensive Player of the Year [1976]; and nine consecutive Pro Bowls [1975-1983]. Jack Lambert was a major chunk of the Steel Curtain and owns four Super Bowl rings to prove it. 
    1985 - Both "Playboy" and "Penthouse" magazines went on sale with nude pictures of Madonna
    1987 – The Iran-Contra hearings began, covered live on television.   While Lt. Col. Oliver North was being interviewed, contrary to internet mailings, Senator Al Gore was not on the committee, nor did Osama Bin Laden’s name come up. 
    1987 - Kitty Dukakis, wife of Massachusetts Governor Michael Dukakis, who was the following year to become the Democratic candidate, revealed addiction to amphetamines for 26 years 
    1988 - Thirty cities in the north central and northeastern U.S. reported record high temperatures for the date. Beckley, WV, equaled their all-time record with a high of 93 degrees. Afternoon and evening thunderstorms spawned seven tornadoes in Adams and Logan counties of eastern Colorado, and hail caused 2.3 million dollars damage in Adams, Logan and Washington counties
    1988 - Singer/composer Stevie Wonder announces he will run for mayor of Detroit in 1992
    1989 - Top Hits
“Satisfied” - Richard Marx
“Buffalo Stance” - Neneh Cherry
“Baby Don't Forget My Number” - Milli Vanilli
“I Don't Want to Spoil the Party” - Roseanne Cash
    1989 - Sixteen cities in the central and western U.S. reported record high temperatures for the date. The high of 103 degrees at Denver, CO, equaled their record for July, and a 110 degree reading at Rapid City, SD, equaled their all-time record high. Denver reported a record five straight days of 100 degree heat, and Scottsbluff, NE, reported a record eight days in a row of 100 degree weather.
    1990 - Germany beats Argentina 1-0 for soccer's 14th World Cup at Rome 
    1990 - Stefan Edberg beats Boris Becker for Wimbledon title
    1994 - Elton John and Billy Joel kicked off a 14 city tour in Philadelphia. They shared vocals on each other's hits, including John's "Don't Let the Sun Go Down on Me" and Joel's "Piano Man" and "New York State of Mind."
    2000 - The Yankees sweep their cross-town rivals in the first double-ballpark doubleheader since 1903, with identical scores:  4-2 in an afternoon tilt at Shea and 4-2 in an evening contest at Yankee Stadium. It proves to be quite an interesting day in New York as Mike Piazza is hospitalized after being beaned by Roger Clemens, Dwight Gooden, now with the Yankees, gets first Shea win since 1994 when he was a Met, and a bizarre obstruction call on Mets' first baseman Todd Zielle causes the first game to be played under protest.
    2000 - After Jose Cruz Jr. hits #20 in a 6-3 win over the Expos, the Blue Jays become the first team in major league history to have four batters to hit 20 or more homers before the All-Star break.
    2005 - In Singapore, the International Olympic Committee takes a secret vote on the approval of the 28 current summer Olympic events scheduled to be played at the 2012 Summer Games in London. Baseball and softball are eliminated making it the first time since polo was dropped in1936 that sports have been cut.
    2010 - Using an on-line ballot, fans select Nick Swisher of the Yankees and Reds' first baseman Joey Votto to fill the last two roster spots in this year’s All-Star game. The New York outfielder, who edged Red Sox first baseman Kevin Youkilis for the final AL spot, used his Twitter account to campaign for votes and to thank his fans for their support.
    2011 - The final mission of the U.S. Space Shuttle program was launched as Space Shuttle Atlantis.



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