Letters?  We get email!
20% Commission/Bad Boys/Barry in Italy

Major Changes to Doing Leasing and Finance Business
 in California as Two Bills Move Along in the Process
http://leasingnews.org/archives/Jul2018/07_11.htm#major

"Question on the story about the CA Law changes….it’s noted that including a “20% commission to the broker, and you are over 36 percent.”……what sources out there are still doing 20 points to the broker?  I remember the hay-days of CPLC and IBC etc. where 20 points were common but I’m unaware of any out there allowing 20 points.  Just don’t want to leave $ on the table if there are sources out there still doing 20 points.

"I’ve asked sources we work with and none of them are aware of any source allowing 20 points still.

Name withheld

(Many, such as National Funding advertises on debanked.com pays 20% commission.)

There are others who say up to 15% plus. There is also repeat business for MCA where the broker gets the commission again after eight to ten months when they renew. Automatically from several leasing and other funders.

(Some pay up to 20% under $10,000, 15% up to $50,000, and 10% over $100,000.  See *** commission schedules and there are are many more.

(Also many share in the document fee as well as split interim rent, residuals, and extra payments 50-50, when the lessee doesn't inform 90 days in advance regarding the end of the lease. 

(When is the last time you went to one of the conferences? Editor)

"Thanks Kit.  Unfortunately we don’t attend the conferences on a regular basis."

(I recommend you attend. What you learn will pay great financial and personal goals by meeting other brokers, interviewing new funding sources, learning the programs that are available, learning more about the industry, making sales, improving your career.  I also recommend getting involved.  The time and expense are relatively low in comparison with what you will learn to improve your income and  make more sales by learning who likes the deals you run into. Then go to several different association and learn which ones you connect better with. You will be surprised to learn how many brokers like yourself belong to several different associations, two, three, even four! Editor.)

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Bad Guys: Companies That Utilize Evergreen Clauses
   for Extra Lease Payments
http://leasingnews.org/archives/Jul2018/07_11.htm#bad

"I’ve really appreciated these newsletters and have found them to be quite beneficial. However, there is one thing I would like to address. I know that Tetra Financial Group utilize the evergreen clauses, but this is not done to exclusively and independently collect extra lease payments (though I readily admit that is a major benefit, it’s just not the ONLY benefit). But regardless of Leasing News and our opinion on this, labeling our company (or any of these companies) as bad guys is a bit too far. It’s not that I don’t understand where Leasing News is coming from, I get it. But I think making companies aware of those that utilize the evergreen clauses can be done without negatively labeling the company as “Bad,” because it does not make the company bad. You disagree with our model, that’s fine. But we go through a ton of effort for corporate social responsibility, more so than I have seen at many other companies, and give our customers and EXTREME amount of leniency – so then can we be “Bad Guys?” If you wanted to label it as Bad Methods, or Bad Practices, or even Companies to Avoid Doing Business With then by all means go ahead. I think the message of saying we are bad guys is a bit too far and should be reconsidered."

Name withheld

(We have the Evergreen and PPR contract and mention of lawsuits in the article.

(By the way, the list has been published with Tetra for quite a while, this is not new  The company does not meet our criteria to be on the funder looking for broker list. Editor)

"I don’t care how long you have been using it. I’m speaking up about it now. Just because you have been using it for a long time and because another group uses it doesn’t matter. I can bring up this EXACT SAME ISSUE with that other company."

(Have been using it since starting the list. It is also used in this group:

( http://www.leasingnews.org/Conscious-Top%20Stories/bad_boys.htm )

"I believe there has been a misunderstanding. I’m not requesting to be off the list, or to meet your criteria as a funder looking for a broker. What I have a problem with is the term “Bad Guys.” I believe I made that very clear. You do what you want, I’m just giving you feedback that 'Bad Guys' is a poor choice of words."

(As editor, I like the description very much.

(It also fits the "good guys" list connotation:

(Good Guys: Companies who notify lessee in advance of lease expiration
http://www.leasingnews.org/Pages/lease_expiration.html )

(Would you prefer I eliminate your email from our email list? I apologize as I don't have the time to get involved in what you are seeking. You don't have to read Leasing News if you don't like it. Editor)

"No, I even initially told you that enjoy the articles you provide. What I prefer is for you to reconsider the title of the one section of your newsletter. That’s all. I’m very happy with your newsletter, this is just basic simple feedback. I don’t understand why taking the feedback is seemingly so difficult. My intention was never get an argument, or even a discussion about it, but just to let you know how (in my opinion) the title sends an incorrect message. Your opinion is that it’s justifiable, which I understand. I’m just frankly surprised how poorly the feedback from one of your readers is being taken. I would think that you would be more open-minded, given you are in the business of providing news.

"At this point I think we are going nowhere. At the very least, thanks for your response to my feedback, I do appreciate it."

(Thank you. We now agree the conversation is going nowhere. I also think you would make an excellent candidate to become a Certified Leasing and Finance Professional. I invite you to look into it further by going to CLFPfoundation.org. Editor)

“Thank you, Kit. I appreciate and will consider your invitation. Have a good day.”

-----

Photo for Fans of Barry S. Marks, Esq., CLFP
          On Vacation in Italy

To Barry:
(Quite a contrast between Tom's vacation and yours!!! Editor)

"Sagrantino Montefalco, wild mushroom risotto and lasagna, veal cheek ragu over penne…check out convivioconference.org or the write-ups on Castillo di Postignano. One of the finest local chefs in Italy cooking all our meals. Amazing foods b-l-d.

"Then the side trip for 4 days in Tuscany…Tour of Banfi wineries with a senior wine exec (and tastings of their best), drinking the local WHITE in Greve, Chianti (900 bottles produced a year), along with DOCG Chianti and Brunello…and Pici with wild boar ragu, ravioli with pecorino and pears…

"Nationally recognized poets and professors, artists…it was nice."

Barry

 

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New Hires/Promotions in the Leasing Business
and Related Industries

Lee Bergeron was hired as VP, GM, Equipment Finance Global Financial Services, Pitney Bowes, Greater New York City Area. Previously, he was President, Taunton Commercial Capital (November, 2017 - June, 2018); VP Sales, United Leasing and Finance (January, 2017 - October, 2017); Taunton Commercial Capital (February, 2016 - January, 2017);  Co-Founder/ President, Performance Advantage Consulting (2015 – February, 2016); President Leasing Division/Corporate Vice President Financial Services, MailFinance, an Affiliate Company of Neopost USA, Inc. (2010 – 2015); Co-Founder/ President, Performance Advantage Consulting (2009 – 2010); President/General Manager, GE Capital/GE Government Finance, Inc. (2007 – 2009); Managing Director, GE Federal Finance (2006 – 2007); Senior Vice President/Region Sales Manager, GE Commercial Equipment Finance (2001 – 2006); Vice President/Senior Account Executive, GE Commercial Equipment Finance (1997 – 2001). Organizations: ELFA/Equipment Leasing Finance Organization, Starting April 1993. AGLF/Association for Government Leasing and Finance, Starting January 2006. Certifications: Six Sigma Green Belt, GE Capital, Starting March 2002.
https://www.linkedin.com/in/leebergeron 

Murray Derraugh was promoted to Vice President of Credit, CWB National Leasing, Inc., Winnipeg, Canada Area. He joined the firm January, 2015, as Director, Credit Operations and Asset Management. Previously, he was President, Derraugh Consulting, Inc. (June, 2006 - March, 2015); Senior Manager, Asset Management, National Leasing (April, 2014 - January, 2015); Senior Vice President, Risk and Chief Operating Officer, Blue Chip Leasing Corporation (May, 2012 - March, 2014); Senior Vice President, Risk and Chief Operating Officer, Enable Capital Corporation (May, 2012 - March, 2014); Consultant, The Alta Group (October, 2009 - May, 2012), Senior Vice President, Swandel and Associates (2006 - May, 2012); Director, Portfolio Management, CUETS  MasterCard Affiliate (2004 - 2006); Director of Credit, General Manager, Vision Credit, Western Canada Sales Manager, National Leasing (1996 - 2004). Community Service: Volunteer: Secretary of Board, Children's Museum (June, 2011 - June, 2017).  Education and Programming Committee Member, Canadian Finance and Leasing Association (June, 2006 - Present). Research Committee Member, Canadian Finance & Leasing Association, Association canadienne de financement & de location (November, 2017 - Present). Education: University of Manitoba, BRS (1981 - 1986).
https://www.linkedin.com/in/murrayderraugh/

Joel Druwe was promoted to Vice President, Marketing and Innovation, CWB National Leasing, Winnipeg. He joined the firm November, 2005, as Manager, New Market Initiatives; promoted, December, 2009, Marketing Manager; promoted, February, 2014, Director of Marketing and Communications. Prior, he was owner Sam's Jeans (August, 2003 - November, 2007); Marketing, Standard Aero (2002 - 2003).  Languages: English. French. Education: University of Manitoba Bachelor of Commerce, Marketing, Management Information Systems, Finance (1999 - 2002).
https://www.linkedin.com/in/joeldruwe/

Kristen Edwards was hired as a Credit Analyst, Huntsman International.  Previously, she was AVP, Credit, Ascentium Capital (April, 2007 - June, 2018); Wholesale Supervisor, Ford Motor Credit Company (1998 -2007). Community Service: Volunteer: Ticket Sales Representative, Houston Livestock Show and Rodeo February, 2018 - Present).  Education: Sam Houston State University, Bachelor of Business Administration (B.B.A)., Business Administration and Management. General. 2007 -2012).
https://www.linkedin.com/in/kristen-edwards-7ab28b54/

Ken Fosina was hired as Managing Director, Logistics Finance, CIT.  He is located in the San Francisco Bay Area. Previously, he was Executive Vice President, ATEL Capital Group (April, 2012 - June, 2018); Principal with FCC Consulting (August, 2003-Present); Vice President, Finance & Operations, FFC Consulting - WiLine Networks (November 2007 – October 2011); GM, Affymetrix Customer Financing FFC Consulting - Affymetrix September 2008 – March 2010); GM, UIC Global Customer Financing FFC Consulting - Universal Instruments (March 2007 – December 2008); GM, Credence Capital FFC Consulting – Credence Systems (August 2003 – December 2008); Founder, Vice President of Sales & Marketing, Determine Software (July, 1999 - June, 2003); District Manager Mellon Bank - US Leasing (February 1991 – July 1999); Account Executive Financing for Science & Industry Account Executive Financing for Science & Industry (September 1988 – December 1990). Education: University of Richmond B.A., English Swim Team Captain Activities and Societies: Swim Team, Phi Kappa Sigma.
https://www.linkedin.com/in/ken-fosina-a126079/

Dominick Knight was hired as Vice President, Sales, Ascentium Capital, Kingwood, Texas. He is located in Phoenix, Arizona. Previously, he was Regional Sales Manager, Balboa Capital (February, 2018 - July, 2018); Senior Leasing Consultant, Beacon Funding (May, 2017 - November, 2017); Lending Solutions Manager, Direct Capital Corporation (January 2016 - May, 2017); Director of Mortgage Brokers, Lenderful/MadDog Technology (December, 2013 - January, 2016); Director of Alumni Relations, Orchard Lake St. Mary's Preparatory (January, 2014 - December, 2015); Senior Mortgage Banker, Capital Mortgage Funding (August, 2012 - December, 2013); Key Account Manager, Fathead (January, 2012 - August, 2012); Mortgage Banker, Quicken Loans (November, 2010 - August, 2012); Asset Management Project Manager, Asset Management Resources (May, 2007 - November, 2010).  Education: Robert Morris University, Chicago. Bachelor of Arts (B.A.), Business Administration and Management, General, Cum Laude (2006 -2010). Activities and Societies: Robert Morris Baseball. Orchard Lake St. Mary's Preparatory (2002 -2006).
https://www.linkedin.com/in/dominic-knight-3823b650/

Nathaniel Landsgaard was promoted to Business Development Representative, Pawnee Leasing Corporation, Fort Collins, Colorado. "(He)...will be responsible for enhancing our growth and expansion of originations with our existing and new broker partners primarily in the Company’s Central and Northwest regions.  Mr. Landsgaard has served as a Credit Analyst for Pawnee since 2016.”  Gary Souverein, Pawnee Leasing President, commented, "As our Portfolio growth continues and we pass the half a billion dollar milestone, it is essential that we add more depth and expertise to further support the high level of hands-on, personal service our broker partners continue to expect from us.  Nate’s deep knowledge of Pawnee’s products as well as his familiarity with many of our broker customers will allow him to quickly add value to our broker relationships and origination opportunities.” "Nate" Landsgaard joined the firm January, 2017, as Credit Analyst. Previously, he was Client Associate, Merrill Lynch (February, 2016 - April, 2016); Financial Representative, Northwestern Mutual (May, 2013 - March, 2014).  Education: Colorado State University, Bachelor of Business Administration. BBA, Finance-Corporate (2015 - 2017). BS. Business Administration, Corporate Finance.  https://www.linkedin.com/in/nathaniel-landsgaard-1a62a771/

Mike Larson was hired as Business Development Officer, Express Freight Finance, Greater Seattle Area. Previously, he was Vice President, Sales, Partners Capital Group (May, 2015 - June, 2018); North American Manager, Customer Finance, John Bean Technologies Corp. (2016 - 2017): Regional Sales Manager, Balboa Capital (2015 - 2016); Vice President, National Accounts, Tip Capital (2014 - 2015); Regional Sales Executive, Key Bank (December, 2011 - March, 2014); Vice President, Sales, Puget Sound Leasing (2004 - 2010); Regional Sales Manager, American Express Business Finance (2001 -2004); Regional Vice President, First Sierra Financial (1997 - 2001). Education: Portland State University. BS. Business Administration and Management. General (1978 - 1982). https://www.linkedin.com/in/mike-larson-8076b521/

Jenny Lester was hired as Equipment Finance Officer, Business Bank, Key Equipment Finance, Superior, Colorado. “(She)...will work with Key’s business banking team to support customer finance operations throughout Colorado and Utah. She joined the firm as Accelerated Career Track (ACT) Program in Equipment Finance, June, 2016, becoming a Sales Associate while participating in the Sales Act program. She was promoted April, 2017, Sales Associate, Middle Market, "working as an Equipment Finance Officer for Key Equipment Finance Jenna demonstrated strong business development skills through her participation in the Sales ACT program,” said Scott Edwards, senior vice president, business banking sales director, Key Equipment Finance. Community Service: Volunteer:  Board Member, Backstage Barre, Colorado Ballet (November, 2107 - Present). President, Leeds Council (May, 2015 - May, 2016). Fundraiser, Cystic Fibrosis Foundation (December, 2017 - Present). Education: University of Colorado, Boulder- Leeds School of Business. Bachelor of Business Administration (B.S.B.A., Finance, Senior (2012 - 2016). Activities and Societies: Leeds Council, Kappa Kappa Gamma. Student Body President (2015 - 2016).
https://www.linkedin.com/in/jennalester/

Krystal Mitsiaris was promoted to Lending Solutions Manager, Direct Capital, a Division of CIT Bank, N.A., Portsmouth, New Hampshire. She joined the firm March, 2015, as Funding Manager; promoted September, 2017, Business Development Representative; promoted, December, 2017, Capital Coordinator. Previously, she was Accounting Clerk, Fountains America (June, 2014 - March, 2015); Buyer 1, GM Nameplate (March, 2013 - April, 2014); Server, Friendly's Restaurant (January, 2010 - January,20 13); Administrative Assistant/Purchasing Agent, VitalMED, Inc (January, 2006 - January, 2010); Pharmacy Technician, CVS Pharmacy (January, 2001 - January, 2006).  Education: Mount Washington College. Associate of Science (AS), Accounting (2010 - 2012).  Upper Cape Cod Regional Technical School.  High School Diploma, Cosmetology/Cosmetologist, General (1999 - 2003). Cosmetology. https://www.linkedin.com/in/krystal-mitsiaris-46b11a53/

Daniel Tortoriello was promoted to Executive Vice President, Gemino Healthcare Services. He remains Executive Vice President and Chief Operating Officer, North Mill Capital, Princeton, New Jersey. "We will now look into expanding our new business endeavors to include asset based lending facilities from $1 million to $20 million on a national basis at Gemino while continuing to grow North Mill Capital."  He joined North Mill Capital, November, 2010. Jeff Goldrich, CEO & President of North Mill Capital LLC, said, "Dan has done an extraordinary job overseeing the sales and marketing efforts at North Mill since its inception. Adding another Solar finance company to his responsibilities is a great opportunity for Gemino and Dan." Tom Schneider, CEO & President of Gemino Healthcare Finance, said, "We are excited to have Dan join our team. He has an outstanding reputation in the asset based lending industry. His role and experience in helping grow North Mill Capital will be a tremendous asset to Gemino." Previously, Tortoriello was Senior Vice President, Business Alliance Capital Corp. (January, 1997 - December, 2008); Vice President, First Fidelity Bank (January, 1982 - December, 1993). Education: Rutgers University, BA, Accounting Finance, Economics (1978 - 1982).
https://www.linkedin.com/in/daniel-tortoriello-8554ba34/

Francois van Reede van Oudtshoorn is the founder of The Bankman, Scottsdale, Arizona. He previously was Senior Account Manager, Amur Equipment Finance (2017 - 2018); Senior Vice President, Originations, Nations Equipment Finance (2014 - 2016); Regional Sales Manager, Commercial Credit Group, Inc. (2011 - 2014); Regional Sales Manager, Caterpillar Financial Services Corporation (2007 - 2010);  Assistant Vice President GMAC Commercial Finance (2005 - 2007); Senior Account Manager, ABN AMRO Commercial Finance N.V. (1999 - 2005); Business Development Manager, GE Capital Equipment Finance (1995 - 1999); Business Development Manager, Nedbank (1989 - 1994); Account Manager, Barclays Africa Group Limited (1979 - 1988). Community Service: Volunteer: South African Red Cross Society (1990). Volunteer. Salvation Army DFW (1987). Education: Rand Afrikaans University. Damelin, Finance and Financial Management Services.
https://www.linkedin.com/in/thebankman/

 

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Industry Survey: Compensation
Leasing and Finance Originators

Wheeler Business Consulting is facilitating a survey on compensation for originators in the commercial equipment leasing and finance industry. The results will be made available through our monthly newsletter. Your participation is greatly appreciated and is needed to increase the value of the data. 
 
The survey is designed to take 2 to 5 minutes to complete.

Click here to begin the survey
https://www.surveymonkey.com/r/NVF7H5H

Thank you for your participation.
If you have any questions, please contact Scott Wheeler @ 410-877-0428

 

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Help Wanted


 

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

Ascentium Capital Achieves Highest Origination Quarter
in Its History With $326.5 Million in Funded Volume

Ascentium Capital LLC announced strong growth during second quarter 2018. The company funded $326.5 million during the quarter, representing a 28% increase in volume over the same period last year. Since inception, the company has funded $4.3 billion and currently manages $1.9 billion in assets.

Tom Depping, Chief Executive Officer at Ascentium Capital, said,
“Our recent office opening in Scottsdale, Arizona combined with our increasing market share are a testament to our tactical growth initiatives. We look forward to accelerating our momentum and experiencing additional record-breaking months ahead.
Ascentium Capital’s main sales channels are equipment vendors and direct to small businesses. The company continues to invest heavily in recruitment and sales training, technology, and marketing assets to continue building the brand.

Richard Baccaro, Ascentium Capital’s Chief Sales and Marketing Officer, commented,  “We are very excited about the record we broke this quarter in originations. The value we deliver via our finance programs resonates strongly with equipment providers and businesses across the country.”

As a direct lender, Ascentium Capital LLC specializes in providing a broad range of financing, leasing and small business loans. The company’s offering benefits equipment manufacturers and distributors as well as direct to businesses nationwide. Ascentium Capital is backed by the strength of leading investment firm Warburg Pincus LLC. For more information, please visit www.AscentiumCapital.com.

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

 

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

ZRG Partners Expands Financial Services/Technology Abilities
           with the Formation of Blockchain Practice

ROCHELLE PARK, N.J.--ZRG Partners, recognized as the fastest growing executive search firm in the Americas, is pleased to announce the formation of its Blockchain Practice. The practice will be led by Rahul Kapur, Managing Director and will help Financial Services, Fintech, Healthcare clients as well as those in emerging blockchain-centric industries meet the emerging talent needs required to capitalize on opportunities in the distributed ledger/blockchain space.

Rahul is a key leader in ZRG’s Financial Services practice and brings more than 27 years of consulting and executive search experience to the space. With deep expertise in Payments and Financial Technology, Rahul is well positioned to lead ZRG in this key growth area. Rahul previously held senior positions at such firms as PwC, Deloitte, Capgemini, and MasterCard Advisors, and has been recognized by clients for his expertise in emerging technologies within Financial Services.

Larry Hartmann, CEO of ZRG related, “Blockchain continues to grow rapidly as a focus area for our clients. To capitalize effectively on the potential of distributed ledgers, our clients require a unique type of leader with a strong entrepreneurial capability, combined with a deep understanding of the underlying technology, operations, and regulatory issues that blockchain presents.

“Formalizing our Blockchain Practice will enhance our ability to help financial institutions, Fintech firms, and investment firms seeking to grow and expand their portfolios with new, differentiating banking, lending, and payments offerings.

“We are seeing other industries, such as healthcare and consumer goods, also seeking talent who can create value from blockchain technology. With an industry expert like Rahul leading our offering in Blockchain, we will be able to continue to expand our service offering to this sector with a senior leader who has a vast knowledge and network in the blockchain space.”

Rahul Kapur commented, “This is an area where clients are seeking help. Whether it be an individual to fill a specific need, a team of innovators to jump start an initiative, or a blockchain idea for incubation, our clients are all seeking the most innovative and knowledgeable talent in the space. At the same time, they seek talent that seamlessly combine expertise in distributed ledger technology with the ability to build and grow businesses in a way that maximizes return on investment. I am excited to lead ZRG’s efforts across industries to help our clients sort through this next wave of transformative technology.”

About ZRG Partners

ZRG Partners is a progressive mid-sized global executive search firm that uses a proven, data-driven approach. For over 19 years, clients have trusted ZRG Partners to recruit top talent around the world. ZRG Partners is recognized as one of the fastest growing executive search firms in the industry driven by the firm’s client focused, results driven approach grounded in integrity. www.zrgpartners.com+

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

ELFA Launches Interactive, Online Fundamentals of
Equipment Leasing and Finance Course

Washington, D.C. – The Equipment Leasing and Finance Association has launched a brand-new version of its flagship training course, Fundamentals of Equipment Leasing and Finance. The completely overhauled program engages users through an interactive, online interface that provides “virtual” hands-on experience and training in the fundamentals of equipment finance. The course—the only one of its kind for the $1 trillion equipment finance industry—is designed for those who are new to the equipment finance industry or those looking for a refresher on the industry fundamentals.

ELFA Members - $500/license $400 through 8/31/2018
Non-Members - $950/license $760 through 8/31/2018
Bulk: Bulk pricing is available for purchases of 11 or more licenses.

There’s nothing quite like hands-on experience to learn new skills, and the new Fundamentals of Equipment Leasing and Finance course gives learners the opportunity to run their own fictional equipment finance company. Users have a chance to “be the boss” and learn what’s involved in the day-to-day operations of an equipment finance company, navigating through customer interactions, identifying the departments and individuals that should be involved in each step, and earning badges and upgrades as they go. From closing the sale to fielding customer requests and reviewing end-of-lease options, the learners receive guided feedback to reinforce learning. The course is self-paced: it can be completed in one sitting, or keep track of where learners left off if they decide to log out and return later.

Micro Lessons
The course is divided in to seven “micro lessons” followed by the game. These lessons, which are eight to 10 minutes in length, allow learners to review the vital information that everyone new to the equipment finance industry should know. After each micro-lesson—which can be taken in any order—learners earn a badge that can be shared on social media. Topics include:

• Lesson 1 – Introduction to Equipment Leasing and Finance
• Lesson 2 – Origination Phase of the Transaction Lifecycle
• Lesson 3 – Administration and Termination Phases
• Lesson 4 – Leasing Law
• Lesson 5 – Lease Accounting and Federal Tax
• Lesson 6 – Types of Finance
• Lesson 7 – Creating Successful Solutions

ELFA President and CEO Ralph Petta, said, “We are excited to launch the completely redesigned and updated Fundamentals course to prepare the next generation of equipment finance professionals for a career in this great industry”

 “The new course is concise, flexible and dynamic, and draws on the latest instructional technology to encourage and reinforce learning. Now it’s easier than ever for those who are new to the industry—or seeking a refresher—to get the training they need, where they need it and when they need it.”

How to Access the Course
The new Fundamentals of Equipment Leasing and Finance online course is available to both ELFA members and nonmembers. The course is available for individual purchase as well as bulk purchase by companies that wish to train more than one employee at a time. A 20% discount is available through August 2018. For more information, visit www.elfaonline.org/events/fundamentals.

About ELFA
The Equipment Leasing and Finance Association (ELFA) is the trade association that represents companies in the $1 trillion equipment finance sector, which includes financial services companies and manufacturers engaged in financing capital goods. ELFA members are the driving force behind the growth in the commercial equipment finance market and contribute to capital formation in the U.S. and abroad. Its 580 members include independent and captive leasing and finance companies, banks, financial services corporations, broker/packagers and investment banks, as well as manufacturers and service providers. For more information, please visit www.elfaonline.org.

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

LeaseTeam Rebrands as LTI Technology Solutions
Announcement Made at their 2018 User Conference

OMAHA, Neb. – After nearly three decades of service to the equipment and asset finance industry, it was announced during LeaseTeam’s 2018 user conference that the company would be changing its name to LTi Technology Solutions. The announcement was made during Wednesday morning’s general session, led by President Jeff Van Slyke, and Co-Founder Randy Haug.

Jeff Van Slyke, President of LTi Technology Solutions, said:
“For almost 30 years we have been a technology partner and solution-provider to the finance industry. We believe that LTi Technology Solutions more accurately reflects our business and the services we offer.

“Throughout the years, we have often referred to our company as LTi, so rebranding to LTi Technology Solutions will allow us to maintain the reputation and relationships we’ve carefully crafted throughout the years while extending our reach to those not yet familiar with what we do.

“Our number one priority is continuing to serve our robust install base of 238 loyal customers. The ‘LT’ in ‘LTi’ ensures that we will always remain LeaseTeam at heart.” 

LTi Technology Solutions, formerly LeaseTeam, opened its doors in Downtown Omaha in 1989 with six employees by Co-Founders Russ Hallberg and Randy Haug. After beginning with an early mid-range computer solution, the company successfully launched the first Windows-based application for the equipment finance industry in 1992. 

Today, they continue to deliver software and services to equipment and asset finance companies throughout North America and the UK from their Omaha, Nebraska, headquarters. They were named to the Inc. 5000 list of fastest growing private companies in America from 2015-2017, and were honored by the Greater Omaha Chamber of Commerce with the “2018 Business Excellence Award in Innovation.” 

About LTi Technology Solutions
LTi Technology Solutions, formerly LeaseTeam, Inc., delivers innovative software solutions to equipment finance companies throughout North America and the UK from our Omaha, NE headquarters. Backed by three decades of experience and expertise, we harness the collective intellect of our diverse team to solve critical business problems for customers every day. Our highly-configurable platform, ASPIRE, empowers users to effectively scale their business by streamlining the lease and loan transaction lifecycle. For more information, call (800) 531-5086 or visit www.leaseteam.com.

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

 

Rottweiler
Murray, Utah   Adopt a Dog

Katy Bear
ID A055189
Female
Tricolor
Age: 9 Years
Kennel No. DU12
No Fee

Utah Humane Society
4242 South 300 West,
Murray, Utah 84107
Adoptions: (801) 261-2919

Application:
https://www.utahhumane.org/sites/utahhumane.org/files/hsu_adoption_profile_2018.pdf

Adoption Hours
Monday - Saturday
10 AM – 7 PM
Sunday
Noon – 5 PM

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

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Jodi and Tom McCurnin in India
Very Hot During the Day

We Must be in India

Jama Masjid mosque in Dehli, India built by Shah Jahan 1656. He also built the Taj Mahal and the nearby Red Fort.

Built from local red sandstone and marble.

Travel day. 104 degrees with 50% humidity.

We have discovered the joys of the quintessential British gin and tonic. While ostensibly simple, a “proper G&T” includes several measures of Tanqueray gin or Bombay sapphire in a pre-chilled glass (Gilby’s gin has a higher proof) and a high strength tonic like Fever Tree, all mixed with gobs of limes and served in a pre-chilled tall glass with lots of ice.

On a really hot and humid day in India, it is so refreshing!

The British were really on the something.

Jodi and Tom at the Mosque Dehli, India

Cooking over Cow Dung

First start with some fresh cow dung

Next, Add the dinner rolls to the burning dung

Then, pluck your cooked bread out of the fire along with curried chicken or lamb (cooked similarly) and serve piping hot. Yum.

PS Yak dung is the best.

Tom with Sikh kids

Jaipure Water Palace

 

Traveling with Jodi and Tom McCurnin, Leasing News Legal Editor
http://leasingnews.org/archives/Jul2018/07_11.htm#trip

Jodi and Tom McCurnin Himalayan Trip
   Jammu and Kashmir
http://leasingnews.org/archives/Jul2018/07_11.htm#trip

Tom and Jodi McCurnin Wagah Border, Lahore
   Daily Sunset Lowering of the Flag at the Pakistan/India Border
http://leasingnews.org/archives/Jul2018/07_09.htm#tom

Tom McCurnin Climbs Himalayas Photos/Comments
  Says “I’m getting too old for this…”
http://leasingnews.org/archives/Jul2018/07_03.htm#tom

Photos for Fans of Leasing News’ Tom McCurnin
  He and His Wife with Group to Climb Himalayas
http://leasingnews.org/archives/Jun2018/06_25.htm#photos

News Briefs----

Florida bank usually found in Walmart stores
   acquires a booming lender in Dallas
https://www.bizjournals.com/tampabay/news/2018/07/11/florida-bank-usually-found-in-walmart-stores.html

Paccar recalls more than 3,000 trucks
   for issues with anti-lock brake system
http://www.landlinemag.com/Story.aspx?StoryID=72630#.W0ftOSAnZjU

Wonder Where to Make the Most Cash in the Gig Economy?
  Cities with high demand for service industry apps are winners
https://www.prnewswire.com/news-releases/wonder-where-to-make-the-most-cash-in-the-gig-economy-300679868.html

 

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

You May Have Missed---

Uber lays off around 100 self-driving car operators
    in San Francisco, Pittsburgh
https://www.mercurynews.com/2018/07/12/uber-lays-off-around-100-self-driving-car-operators-in-san-francisco-pittsburgh-reports/

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

Double Play
From the book
That Sweet Diamond
by Paul B. Janeczko, Carole Katchen (Illustrator)
 
 
The runner is
a non-swimmer in deep water,
inching from the bag
timid
returning in alarm.

The shortstop and second baseman
are schoolboys
passing secrets
behind the pitcher's back.

Moving before the pitch,
the shortstop dashes to the bag
glove up in anticipation
as runner and
peg from his partner at second
approach.
He drags the toe of his right shoe
across the bag
as the ball slaps home
and he leaps
to avoid the spikes.

Resting in air
safely above the slide
long enough to throw to first
before he tumbles to the dirt,
his eyes on the ball
the mitt
until
the umpire's confirmation of perfection.

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

Sports Briefs---

Pro Football Hall of Fame won't highlight absent Terrell Owens
    on induction weekend
http://www.pressdemocrat.com/sports/8527918-181/pro-football-hall-of-fame

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

California Nuts Briefs---

California slashes emissions, hits major greenhouse
    gas goal years early
https://www.sfchronicle.com/business/article/California-hits-2020-greenhouse-gas-reduction-13066821.php

 

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

“Gimme that Wine”

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

Mendocino County: California's Hidden Wine Gem
http://thepress.sfchronicle.com/review/mendocino-county/

Duckhorn Vineyards And The Unusual Triumph
  Of Merlot In Napa Valley
https://www.forbes.com/sites/tomhyland/2018/07
/11/duckhorn-the-triumph-of-merlot/#49d18feb550e

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

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

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

This Day in History

    1585 - A group of 108 English colonists, led by Sir Richard Grenville, reached Roanoke Island, North Carolina. Roanoke Island near North Carolina became England's first foothold in the New World. Sir Walter Raleigh sent a detachment of 108 men to build a fort on the island. The detachment included two scientists, Thomas Hariot, a surveyor, mathematician, astronomer and oceanographer, and Joachim Gans, a metallurgist.
    1729 - Birthday of Minuteman John Parker (d. 1775), Lexington, Massachusetts Bay Colony.  “Stand your ground. Don't fire unless fired upon, but if they mean to have a war, let it begin here.” Captain John Parker to the Lexington patriot militia assembled on Lexington Green, preparing to fight the British at the Battle of Lexington. http://memory.loc.gov/ammem/today/jul13.html
    1787 -  The Continental Congress enacted a slavery ban for a territory of the United States. The law prohibited slavery forever within the borders of the Northwest Territory.     
    1787 – The Northwest Ordinance, also known as the Freedom Ordinance or The Ordinance of 1787, was approved by the Congress of the Confederation of the United States (the Confederation Congress).  The ordinance created the Northwest Territory, the first organized territory of the United States as the lands beyond the Appalachian Mountains, between British North America and the Great Lakes to the north and the Ohio River to the south. The upper Mississippi River formed the Territory's western boundary. It was the response to multiple pressures: the westward expansion of American settlers, tense diplomatic relations with Great Britain and Spain, violent confrontations with Indians, the weaknesses of the Articles of Confederation, and the empty treasury of the American government. Considered one of the most important legislative acts of the Confederation Congress, it established the precedent by which the Federal government would be sovereign and expand westward with the admission of new states, rather than with the expansion of existing states and their established sovereignty under the Articles of Confederation. It was also precedent setting legislation with regard to American public domain lands.  
    1821 - Nathan Bedford Forrest (d. 1877) was born in Chapel Hill, TN.  This is an official holiday in the State of Tennessee.  A lieutenant general in the Confederate Army, he is remembered as a self-educated, brutal, and innovative cavalry leader during the Civil War and as a leading Southern advocate in the postwar years. He was a pledged delegate from Tennessee to the Democratic National Convention in New York in 1868. He served as the first Grand Wizard of the KKK, composed of many ex-Southern Civil War soldiers, but he later distanced himself from the organization. 
    1832 - Ethnologist Henry R. Schoolcraft was the first white person to arrive at the source of the Mississippi River at Lake Itasca, Minnesota. A pioneer in Native American studies, Schoolcraft conducted ethnological research among the Ojibwa in the Great Lakes region.
    1861 – At the Battle of Corrick's Ford, Virginia, the Union Army took total control of western Virginia (what is now West Virginia on the Cheat River) and it stayed that way for the rest of the war.  The campaign propelled Maj. Gen. George B. McClellan to command of the Army of the Potomac.
    1862 - The First Battle of Murfreesboro, an important Union supply center on the Nashville & Chattanooga Railroad, was fought in Tennessee. Troops under Confederate Brig. Gen. Nathan Bedford Forrest surprised and quickly overran a Federal hospital, the camps of several small Union units, and the jail and courthouse in Murfreesboro. All of the Union units surrendered to Forrest, and the Confederates destroyed much of the Union's supplies and destroyed railroad track in the area. The primary consequence of the raid was the diversion of Union forces from a drive on Chattanooga and the deprivation of supplies.
    1863 - Starting today and lasting until July 16, antidraft riots broke out in New York City. Modern history's bloodiest riot began when a mob of 50,000 Civil War draft protesters burn buildings (including an orphan asylum), stores and draft offices, attack police. Some club, lynch and shoot large numbers of blacks, who they blamed for the war. Rioters were protesting the provision allowing true red-blooded flag-waving Americans to make cash payment in place of serving in the army. When troops returning from Gettysburg finally restored order, 1,200 were dead.
    1863 - Mary Emma Woolley (d. 1947) birthday, S. Norwalk, CT.  President of Mt. Holyoke College (1900- 1937) whose strong leadership expanded it to a major learning institution.  She was voted one of the 12 most influential women in America.
    1865 - Horace Greeley advises his readers to "Go west young man.”  Greeley was editor of the New-York Tribune, among the great newspapers of its time.  It was first stated by John Babsone Lane Soule in an 1851 editorial in the Terre Haute Express, "Go west young man, and grow up with the country." Greeley later used the quote in his own editorial in 1865, favoring westward expansion.  He saw the fertile farmland of the west as an ideal place for people willing to work hard for the opportunity to succeed. The phrase came to symbolize the idea that agriculture could solve many of the nation's problems of poverty and unemployment characteristic of the big cities of the East. It is one of the most commonly quoted sayings from the nineteenth century and may have had some influence on the course of American history.  Some sources have claimed the phrase is derived from the following advice in Greeley's July 13, 1865 editorial in the New York Tribune, but this text does not appear in that issue of the newspaper. The actual editorial instead encourages Civil War veterans to take advantage of the Homestead Act and colonize the public lands: “Washington is not a place to live in. The rents are high, the food is bad, the dust is disgusting and the morals are deplorable. Go West, young man, go West and grow up with the country.”
    1868 - Oscar J Dunn, former slave, installed as lieutenant governor of Louisiana.
http://www.famousamericans.net/oscarjamesdunn/
    1869 - Street riots against Chinese laborers begin in San Francisco. www.chiamonline.org/Chronology/1850.htm
    1886 - Birth of Father Edward Flanagan (d. 1948), Leabeg, Ireland.  American Catholic parish priest. Believing there was 'no such thing as a bad boy,' in 1922, he organized Boys Town near Omaha, Nebraska.
    1898 – The Ferry Building, at the foot of Market Street on the Bay in San Francisco, opened to the public.  Designed in 1892 by American architect A. Page Brown in the Beaux Arts style, it was the largest project undertaken in the city up to that time. Brown designed the clock tower after the 12th-century Giralda bell tower in Seville, Spain, and the entire length of the building on both frontages is based on an arched arcade. The well-built reinforced building with its arched arcades survived both the 1906 and 1989 earthquakes with little damage. It served as the destination for commuters to San Francisco from the East Bay, who rode the ferry fleets of the Southern Pacific and the Key System.
    1898 – Guillermo Marconi patented the radio. US Patent 997,308 for "Transmitting apparatus for wireless telegraphy." Marconi made his first demonstration of his wireless transmission system for the British government in July, 1896.  Numerous additional demonstrations followed, and Marconi began to receive international attention. In July 1897, he carried out a series of tests in his home country, for the Italian government. A test for Lloyds in Ireland was conducted on July 6, 1898. autumn of 1899, the first demonstrations in the United States took place, with the reporting of the America’s Cup international yacht races at New York.  Marconi sailed to the United States at the invitation of the New York Herald newspaper to cover the races off Sandy Hook, NJ. The transmission was done aboard the SS Ponce, a passenger ship.  Marconi left for England on November 8, 1899 on the SS St. Paul, and he and his assistants installed wireless equipment aboard during the voyage. On 15 November, Saint Paul became the first ocean liner to report her imminent return to Great Britain by wireless when Marconi's Royal Needles Hotel radio station contacted her sixty-six nautical miles off the English coast.  The role played by Marconi Co. wireless in maritime rescues raised public awareness of the value of radio and brought fame to Marconi, particularly the sinkings of the RMS Titanic on April 15, 1912 and the RMS Lusitania on May 7, 1915.  Titanic radio operators Jack Phillips and Harold Bride were employed the Marconi International Marine Communications Company, not the ship line. After the sinking of the ocean liner, survivors were rescued by the RMS Carpathia.  Also employed by the Marconi Company was David Sarnoff, who later headed RCA. Wireless communications were reportedly maintained for 72 hours between Carpathia and Sarnoff. When Carpathia docked in New York, Marconi went aboard with a reporter from The New York Times to talk with Bride, the surviving operator.
    1913 – Dave Garroway (d. 1982), the first host of “Today” (1952-61), was born, Schenectady, NY. 
    1915 - Baltimore, MD, became the first city to support a City orchestra ($6,000).
    1923 - A sign consisting of 50-foot-tall letters spelling out "HOLLYWOODLAND" was dedicated in the Hollywood Hills to promote a subdivision (the last four letters were removed in 1949).  Real estate developers Woodruff and Shoults called their development "Hollywoodland" and advertised it as a "superb environment without excessive cost on the Hollywood side of the hills."
    1930 – David Sarnoff reported in The New York Times, "TV would be a theater in every home."
    1934 – Babe Ruth hit his 700th career HR, in Detroit.  He finished his career with 714, the record until Hank Aaron passed him in 1974.
    1936 - 112ø F (44ø C), Mio, Michigan (state record)
    1936 - 114ø F (46ø C), Wisconsin Dells, Wisc. (state record)
    1938 - When the first television theatre opened in Boston, Massachusetts, spectators paid 25 cents to witness the event. Attended by 200 people, the variety show included dancing and singing, and lasted 45 minutes. The acts were transmitted to the room, by television, while they were being performed on the floor above the theatre.
    1939 - Making his recording debut with the Harry James band was Frank Sinatra, who sang "Melancholy Mood" and "From the Bottom of My Heart."
( lower half of: http://memory.loc.gov/ammem/today/jul13.html )
    1940 - Captain Jean-Luc Picard Birthday.  Actually this is the birthday of the man who played Capt. Picard, Patrick Stewart, who was born in Mirfield, Yorkshire, England.
    1946 - Top Hits
“They Say It's Wonderful” - Frank Sinatra
“The Gypsy” - The Ink Spots
“I Don't Know Enough About You” - The Mills Brothers
“New Spanish Two Step” - Bob Wills
    1954 - Top Hits
“Little Things Mean a Lot” - Kitty Kallen
“Hernando's Hideaway” - Archie Bleyer
“The Little Shoemaker” - The Gaylords
“Even Tho” - Webb Pierce
    1959 - The Shirelles song, "Dedicated To The One I Love," was released. The song only hit number 83 on "Billboard" magazine's Top 100 chart. When the song was re-released in 1961, it went to number three on the charts.
    1960 - Democratic National convention nominates Senator John F Kennedy for President.
    1962 - Top Hits
“The Stripper” - David Rose
“Roses are Red” - Bobby Vinton
“Al Di La'” - Emilio Pericoli
“Wolverton Mountain” - Claude King
    1963 - At the age of 43, Early Wynn pitches the first five innings to register his 300th win as the Indians down the Kansas City A's, 7-4. It will be his last Major League win.
    1968 - Paul Simon and Art Garfunkel's album, "Bookends" is #1 for the third week in a row. That album along with the "Mrs. Robinson" soundtrack will give the duo 16 straight weeks at #1 on the L.P. charts.
    1968 - Steppenwolf's "Born To Be Wild" is released.
    1970 - Top Hits
“Mama Told Me” (“Not to Come”) - Three Dog Night
“Ball of Confusion” - The Temptations
“Ride Captain Ride” - Blues Image
“He Loves Me All the Way” - Tammy Wynette
    1971 - At the All-Star Game at Tiger Stadium at Detroit, Michigan, Reggie Jackson hit a home run off Doc Ellis. The ball bounced off a light tower deep in right field. With a score of 6-4, the American League won the game.
    1972 - Baltimore Colts owner Carroll Rosenbloom and Los Angeles Rams owner Robert Irsay proposed a unique trade to the NFL, when the wealthy businessmen traded teams.
    1973 - During a concert at the John Wayne Theatre in Buena Park, California, the Everly Brothers broke up. Right in the middle of the concert Phil Everly walked off the stage, brother Don said, “The Everly Brothers died ten years ago.”  They recently joined together to sing with the “Simon and Garfunkle” Tour, as both Paul Simon and Art Garfunkle have acknowledged they started singing together to become just like their idols, the Everly Brothers.
http://www.everly.net/
    1973 - Alexander Butterfield reveals the existence of the Nixon tapes to the special Senate committee investigating the Watergate break in.
    1974 - George McCrae's "Rock Your Baby" begins the first of two straight weeks at #1.
    1974 - Eric Clapton's "I Shot The Sheriff" is released.
    1977 - A vast power failure plunged New York City and Westchester County into darkness last night, disrupting the lives of nearly nine million people.  Thousands of subway riders were trapped in trains that stopped between stations. Homes and apartments went black. Thousands of people were trapped in elevators. Others stumbled and streamed from theaters, restaurants, and late-closing shops and office buildings.  The power failed at 9:34 P.M., apparently when lightning struck a Consolidated Edison electrical transmission line in northern Westchester.
http://sloan.stanford.edu/Blackout/archive/curvin_porter/curvin_porter_toc.html
    1978 - Top Hits
“Shadow Dancing” - Andy Gibb
“Baker Street” - Gerry Rafferty
“Take a Chance on Me” - Abba
“I Believe in You” - Mel Tillis
    1980 - Afternoon highs of 108 degrees at Memphis, TN, 108 degrees at Macon, GA, and 105 degrees at Atlanta, GA, established all-time records for those three cities. The high of 110 degrees at Newington, GA, was just two degrees shy of the state record
    1982 - In Montreal, Canada, the first All-Star Game to be played outside the United States took place. For the eleventh consecutive year, the National League won when it defeated the American League 4-1.
    1984 - The Yankees retire Roger Maris (#9) and Elston Howard (#32) uniform numbers. The team also erect plaques in their honor to pay tribute to their achievements as Bronx Bombers.
    1984 - When sportscaster Howard Cosell asked to leave "Monday Night Football," saying he was “tired of being tied to the football mentality." Roone Arledge gave him what he wanted, and a year later, Cosell was removed from television altogether.
    1985 - Simultaneously, the "Live Aid" concert, for African famine relief, occurred in Philadelphia, Pennsylvania and London, England. Performances from JFK Stadium in Philadelphia, London's Wembley Stadium and other venues were broadcast world-wide and raising over $70 million. The all-day and most-of-the-night concert showcased some of rock 'n' roll's biggest names including Mick Jagger, Tina Turner, Madonna, Bob Dylan and Paul McCartney. The concert was attended by 162,000 people, while 1.5 billion people watched the show from their televisions. Bob Geldorf, singer for Boomtown Rats organized the "Live Aid" concert and was responsible for gathering the big name stars, all of agreed to perform without pay.
    1985 - "A View to a Kill," from the James Bond movie of the same name, performed by Duran Duran, went to the top of the record charts, staying on top for two weeks. Both themes from James Bond movies, "Live and Let Die" by Wings and "Nobody Does It Better" by Carly Simon only reached number two on the record charts.
    1986 - Top Hits
“Holding Back the Years” - Simply Red
“Invisible Touch” - Genesis
“Nasty” - Janet Jackson
“Hearts Aren't Made to Break” (“They're Made to Love”) - Lee Greenwood
    1986 - Philadelphia Phillie Kent Tekulve broke the National League record for relief appearances for his 820th performance. He helped his team win in the 11-inning over the Houston Astros 5-4. The old record holder was Elroy Face of Pittsburgh.
    1987 - Representatives of fifty of America's largest record retailers are guests at Michael Jackson's home in Encino, California to preview his new album, "Bad". The LP, which includes the singles, "I Just Can't Stop Loving You", "Bad", "The Way You Make Me Feel", "Man in the Mirror" and "Dirty Diana", would go on to reach number one on the Billboard Hot 200 chart and sell over 30 million copies worldwide.
    1989 - A thunderstorm at Albany, GA, produced 1.40 inches of rain in forty minutes, along with wind gusts to 82 mph. Afternoon highs of 98 degrees at Corpus Christi, TX, 110 degrees at Tucson, AZ, and 114 degrees at Phoenix, AZ, equaled records for the date. Greenwood, MS, reported 55.65 inches of precipitation for the year, twice the amount normally received by mid-July.
    1994 – Jeff Gillooly, former husband of skater Tonya Harding, was sentenced to 2 years for attacking rival Nancy Kerrigan.
    1995 - Rush vocalist Geddy Lee sings "Oh Canada" before the All-Star Game at Baltimore's Camden Yards.
    1995 - The temperature in Chicago, Illinois reached its all-time high -- 106 degrees (Fahrenheit) -- recorded at Midway Airport.   
http://www.press.uchicago.edu/Misc/Chicago/443213in.html
    1999 - Boston Red Sox pitcher Pedro Martinez became the first pitcher to open an All-Star Game with four strikeouts and fanned five in two dazzling innings to lead the American League to a 4-1 victory over the National League at Fenway Park.
    2011 - Researchers revealed two studies showing the antiretroviral drugs prescribed to treat AIDS can also prevent HIV infections.
    2013 - George Zimmerman was found not guilty in the case regarding the fatal shooting of Treyvon Martin.