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Leasing News is a website that posts information, news, and
entertainment for the commercial alternate financing,
bank, finance and leasing industries

kitmenkin@leasingnews.org
   




Wednesday, July 17, 2019


Today's Leasing News Headlines

May 2019  The List
   The Good, the Bad and the Ugly
Commercial Equipment Leasing/Financing Industry
    In Transformation
Digital Tools Grow the Annual Revenues of
 Rural Small Businesses by More Than $84.5 Billion per Year
Leasing Industry Ads---
    Experienced Sales Professional Wanted
Lebanon Has By Far the Most Refugees per 1,000 Population
  Number of refugees per 1,000 inhabitants at the end of 2018
U.S. Mayors Pledge Not to Give in to Ransomware Demands
  By Eduard Kovacs, www.securityweek.com
DBO Licensee Notifications
   Required by Law
ELFA Announces Winners of
   2019 Operations and Technology Excellence Award
Hound (Unknown Type)
   Palm Beach, Florida  Adopt-a-Dog
Secured Finance Network 7th Conference
   (formerly CFA) November 13 - 15 New York City
News Briefs---
KeyCorp shares fall after the bank uncovers
  $90 million fraud by payrolls processor
Used Truck Market Continues to Slow Down
  ACT's Used Truck Report
Recession fears rise for middle-class families
  should be a wake-up call families/start shoring up their finances now
This is credit score you typically need to take out a mortgage
  only 10% of mortgage borrowers had credit scores under 647
U.S. Trade Policy Fails to Restore Manufacturing
  Several government measures are having the opposite effect so far
Banks, Insurers Could Get Reprieve
   on Major Accounting Changes

Broker/Funder/Industry Lists | Features (wrilter's columns)
Top Ten Stories Chosen by Readers | Top Stories last six months

www.leasingcomplaints.com (Be Careful of Doing Business)
www.evergreenleasingnews.org
Leasing News Icon for Android Mobile Device


 You May have Missed---
  Poem
  Sports Brief----
   California Nuts Brief---
     "Gimme that Wine"
     This Day in History
      SuDoku
       Daily Puzzle
        GasBuddy
         Weather, USA or specific area
          Traffic Live----

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


Please send a colleague and ask them to subscribe. We are free
Email kitmenkin@leasingnews.org and in subject line: subscribe


[headlines]

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

May, 2019  The List
The Good, the Bad and the Ugly

BitX Funding/Pelagic Capital, Fairfield, Conn. (05/19) Announce Strategic Partnership
http://leasingnews.org/archives/May2019/05_30.htm#bitx

CLFP Foundation, Northbrook, Illinois (05/19)Grows to 754 Active Members Adds 69 Individuals through April/May Exams http://leasingnews.org/archives/May2019/05_28.htm#clfp_grows
CLFP Foundation Seventh Edition Handbook, Revised by Deb Reuben, CLFP
http://leasingnews.org/archives/May2019/05_15.htm#clfp

ELFA, Washington, DC (05/19) Reports April Business Up 7.32%
   Compared to March, 2018 http://leasingnews.org/archives/May2019/05_24.htm#elfa

Leasing News, Saratoga, CA (05/19) 2018 Leasing News Person of the Year Award Presentation to Jerry Parrotto http://leasingnews.org/archives/May2019/05_20.htm#award

AP Equipment Financing, Allegiant Partners, Bend, Oregon (5/19) Posts Record Q1 Originations Volume $32.7 Million http://leasingnews.org/archives/May2019/05_17.htm#ap

Northstar Leasing Company, Burlington, Vermont (05/19) Sees Largest Monthly
Funding Growth to Date http://leasingnews.org/archives/May2019/05_08.htm#north

Vermont Added to States Require Residual Notification (05/19)   “Evergreen Clause”—The Danger of Automatic Renewal
http://leasingnews.org/archives/May2019/05_03.htm#vermont

North Mill Equipment Finance, South Norwalk, CT (05/19) Posts Record Originations for April "Best Month in the Company's History" http://leasingnews.org/archives/May2019/05_03.htm#north

Marlin Capital Solutions, Mount Laurel, New Jersey (05/19)  reports $5.1 Million Net Income Compared with Net Income of $6.2 Million a Year Ago  http://leasingnews.org/archives/May2019/05_03.htm#marlin

OnDeck, New York, New York (05/19) 1st Quarter Down $8.1 Million from Previous Quarter Net Income  http://leasingnews.org/archives/May2019/05_03.htm#ondeck


[headlines]
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Commercial Equipment Leasing/Financing Industry
In Transformation

Sales Makes it Happen by Scott Wheeler, CLFP

The equipment leasing and finance industry is constantly changing to meet the needs of the market. The industry is known for its flexibility and innovation. There is no doubt that the industry is currently in a transformation stage and will look significantly different in the next five years. Change is good. Enhancements to the experience of purchasing and leasing commercial equipment are exciting. The strongest organizations and professionals are embracing change and leading the industry into a smarter, larger, and safer environment for investors, owners, vendors, and end-users. As a savvy originator are you:

  • Using technology to enhance your ability to better serve your clients?
  • Planning for 2023 and beyond?
  • Thinking about the future and what is on the horizon for you, your company, and your clients?
  • Considering how the next generation of decision makers will be using your products and services?
  • Gathering the proper data and developing predictive analytics?
  • Educating yourself about the newest and best practices in the industry?

Top producers are thinking and acting bolder than in the past. They are leading the industry by looking forward, rather than backward.

  Think Boldly

Participate In our 2019 Production and Compensation Survey by Clicking HERE 
https://www.surveymonkey.com/r/3KBMDCL

Results to be published in Wheeler Business Consulting Newsletter as well as Leasing News.

Scott A. Wheeler, CLFP
Wheeler Business Consulting
1314 Marquis Ct.
Fallston, Maryland 21047
Phone: 410 877 0428
Fax: 410 877 8161
Email: scott@wheelerbusinessconsulting.com
Web: www.wheelerbusinessconsulting.com 

Sales Makes it Happen articles:
http://www.leasingnews.org/Legacy/index.html

 


[headlines]
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Digital Tools Grow the Annual Revenues of
Rural Small Businesses by More Than $84.5 Billion per Year

By Caity Witucki
Contributing Editor, Main Street Monday

Research conducted by the U.S. Chamber of Commerce shows that increased adoption of online tools and digital services could grow the annual revenues of rural small businesses by more than 21% and create more than 360,000 jobs in rural communities over the next three years.

"The opportunity to successfully start and grow a rural small business in our country is a great example of how technology is positively transforming nearly every aspect of our lives," says Tim Day, senior vice president of C_TEC, the Chamber's Technology Engagement Center. "Digital tools and technologies allow rural small businesses to compete in a global economy-regardless of their size or location-which is essential to a vibrant U.S. economy."

According to the study, southern states would benefit the most from increased adoption of online tools and digital services, with rural businesses in West Virginia, Alabama, Mississippi, and Georgia experiencing the largest revenue growth.

The survey outlines a number of recommendations to help unlock the unrealized economic potential of rural America, including:

* Expand rural business access to digital training and online tools so they can scale their business.
* Increase the talent pipeline of candidates trained in digital skills.
* Increase digital connectivity in rural areas.

Other key findings from the report include:

* One-in-five rural businesses are already digital.
* Technology is boosting rural business revenues.
* Online services help rural businesses reach customers out of state and overseas.
* Digital tools and technology help with purchasing and cutting costs.

Reprinted with Permission

Originally appeared in "Main Street Monday,"
Coleman Report, 28081 Marguerite Pkwy.,
#4525, Mission Viejo, CA 92690
 bob@colemanreport.com

[headlines]
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Help Wanted





[headlines]
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Turkey hosts the most refugees of any country worldwide with 3.7 million in total at the end of 2018, ahead of Pakistan (1.4 million) and Uganda (1.2 million). As a share of the population, however, Lebanon hosts the most by far with 156 per 1,000 of its inhabitants. Jordan comes second with 72 per 1,000 of its population while Turkey rounds off the top three with 45 per 1,000 of its people. Prior to the war in Syria, Lebanon only hosted 8,000 refugees and the huge influx has pushed its socio-economic absorption capacity to the very limit. 

By the end of 2018, the number of people fleeing war, persecution and conflict exceeded 70 million according to the UNHCR, the highest level the UN's Refugee Agency has seen in nearly 70 years. At the end of last year, 57 percent of the world's refugees came from just three countries - Syria, Afghanistan and South Sudan.

By Niall McCarthy, Statista

https://www.statista.com/chart/8800/lebanon-has-by-far-the-most-refugees-per-capita/

[headlines]
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U.S. Mayors Pledge Not to Give in to Ransomware Demands
By Eduard Kovacs, www.securityweek.com


The United States Conference of Mayors has promised that its members will “stand united” against paying ransoms in case their systems are hit by ransomware.

The organization represents over 1,400 mayors from U.S. cities with a population of at least 30,000. At its 87th annual meeting, members adopted many resolutions, including a couple on cybersecurity. One of them is related to ransomware attacks targeted at local governments.

According to the organization, at least 170 city, county or state government systems have been hit by ransomware since 2013. Twenty-two incidents were reported this year, including by Garfield County in Utah, Jackson County in Georgia, Fisher in Texas, Genesee in Michigan, and the cities of Baltimore and Albany.

Some of the impacted entities, such as the City of Atlanta, have refused to pay the ransom -- in the case of Atlanta it was a little over $50,000 -- and ended up spending tens of millions of dollars on recovery. Others have decided to pay up. This includes Jackson County ($400,000 paid), West Haven in Connecticut ($2,000 paid), Riviera Beach in Florida ($600,000 paid), and Lake City in Florida ($460,000 paid).

The Conference of Mayors has admitted that ransomware attacks can result in the loss of millions of dollars and months of work to repair damage, but highlighted that paying the attackers only “encourages continued attacks on other government systems, as perpetrators financially benefit.”
In an effort to disincentive these attacks, the organization’s members have vowed not to pay ransoms in the event of a cyberattack.

The mayors have also urged Congress to pass the State Cyber Resiliency Act, which would provide grants to state and local governments to help support the development and implementation of cyber resiliency plans.

 

[headlines]
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##### Press Release ############################

DBO Licensee Notifications
Required by Law


Licensees are reminded that they are required by the California Financial Code (FC) to provide certain information to the DBO:

  • FC 331.5 Designated email address:  A licensee subject to the commissioner’s jurisdiction shall establish and maintain an electronic service address designated for receiving communications and documents that are sent by the commissioner to licensees.
  •  
  • FC 457 Change in officer:  Every licensee shall notify the commissioner of any change in the following officers of the licensee, to the extent that those officers exist within the licensee: chairperson, chief executive officer, president, general manager, managing officer, chief financial officer, or chief credit officer.  
  •  
  • FC 1077 Annual list of all bank offices:  On or before January 1 of each year, every bank shall file with the Commissioner a list of all offices that are currently maintained and operated by the bank.  The report shall designate the type of each office that is being maintained and operated, and the complete address of each office.
  •  
  • FC 14254.5 Opening, closing, or relocating a credit union branch office:  Within 10 business days of opening, closing, or relocating a branch office, a credit union shall notify the commissioner in writing of the action, including the street and mailing addresses of the branch office.

Licensees may be subject to fines and penalties for failure to notify DBO on a timely basis.
https://dbo.ca.gov/california-financing-law/

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


[headlines]
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### Press Release ############################

ELFA Announces Winners of
2019 Operations and Technology Excellence Award

Washington, D.C. — The Equipment Leasing and Finance Association (ELFA) today announced the winners of its 2019 Operations and Technology Excellence Award: Cisco Systems Capital Corporation is recognized for Project Excellence and John Deere Financial is recognized for Excellence in Innovation. The two award-winning projects will be showcased during ELFA’s Operations and Technology Conference, Sept. 16-18 at the Hilton Chicago.

Project Excellence: Cisco Systems Capital Corporation is recognized for designing and implementing a single credit platform that enables sales. The company retired its former credit systems and replaced them with a consolidated platform to drive continued innovation and maintain best-of-breed credit practices. The new system accelerates credit decisioning, serves as a sole credit portal and upholds credit policy. The result is improved work flow, a simplified and more efficient credit approval process and reduced operating expenses.

Excellence in Innovation: John Deere Financial is recognized for developing an automated equipment inventory system. Using telematics technology, the new system enables the geo-location of equipment to verify its presence at dealerships. The new system, which is in trial stages, connects data from disparate platforms and offers a simple dashboard that makes it easy to verify the presence of hundreds of high-value assets at dealerships at any given time and identify inventory discrepancies. Moving from manual inventory inspection to automated inspection has the potential to streamline the inventory inspection process, increasing efficiencies and reducing costs.


Jennifer Martin, VP, Leasing and Vendor Program Support at Key Equipment Finance and Subcommittee Chair for the award, remarked, “The Operations and Technology Excellence Award Committee is excited to have received a record number of submissions this year.

 “Through many sessions of review and scoring, the committee felt the award candidates fell into two main categories: Project Excellence and Excellence in Innovation. With the support of the ELFA, we’re happy to be able to recognize both. John Deere Financial’s project embodies innovation, evolving a manual inventory management process using GPS technology, advanced analytics and business model changes and visualizations. Cisco Systems Capital Corporation’s credit platform implementation utilizes best practices in success criteria definition, timeline management as well as training and change management.  We’re extremely excited to highlight both of these projects at the upcoming Operations and Technology Conference.”


ELFA President and CEO Ralph Petta, said, “We applaud all of our award applicants, whose work is a testament to the technology innovation underway in the equipment finance industry.

 “We are honored to recognize Cisco Systems Capital Corporation and John Deere Financial, whose winning projects serve as a model on the effective use of technology in our industry. We congratulate both companies for their cutting-edge solutions.”

The Operations and Technology Excellence Award identifies and recognizes equipment leasing and finance companies that have demonstrated best practices in developing and implementing innovative uses of technology or creative business processes to improve operations, enhance customer interactions, enter new markets and build overall ROI. The program brings the backroom to the foreground, spotlighting the best in the industry as an example for others. More information about the award and a list of previous winners is available at www.elfaonline.org/about/awards/OTE

Information about the 2019 ELFA Operations and Technology Conference, Sept. 16-18 at the Hilton Chicago, is available at www.elfaonline.org/events/2019/OT

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.

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

 


[headlines]
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Hound (Unknown Type)
Palm Beach, Florida  Adopt-a-Dog


Maverick
ID #A1969672
Male
Color: Tan/Yellow/Fawn
-with White

Palm Beach County Animal
Care and Control
7100 Belvedere Road
West Palm Beach, FL 33411
(561) 233-1281
http://www.pbcgov.com/animal

 

Adoption Info
All animals are adopted to qualified applicants on a first-come-first-serve basis. Adoption fees are $60 for adult dogs, $75 for puppies, and $50 for cats and kittens.

All adopted animals will be spayed/neutered, current on vaccinations, protected again fleas and ticks, microchipped, sent home with a free bag of Science Diet pet food, and much more!

The shelter has also partnered with local veterinarians to provide a free Health Care Certificate with every adoption. The certificate offers a free exam for your pet from your choice of participating veterinarians and has a value of up to $500 in savings.

Go Meet Their Pets
How to Adopt:

Pet adoptions are not handled by phone. Please visit our shelter to view and interact with the adoptable pets before making a final decision about adoption.

We are open 7 days a week:

Monday - Friday, 11am - 6pm
Saturday, 10am - 5pm
Sunday, 11am - 4pm


[headlines]
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Formerly the Commercial Finance Association

The New York Marriott Marquis Times Square is the official venue for the 75th Annual Convention. A discounted rate of $365 + tax per night has been established for attendees to the Convention. You must register for the event in order to receive the link for the discounted hotel rate. The hotel rate will be available until October 22nd, so register today.

Attendee Rules of Engagement

We hope you share our excitement for the upcoming 2019 Annual Convention in New York City. From the launch of our new Secured Finance Network brand to a packed agenda and soon-to-be announced high-profile speakers and event venues, we have a lot in store for attendees. To make sure that everyone gets the most value out of their registration and/or sponsorship, we’ve set aside specific blocks of time for our members to host outside events (i.e., cocktail receptions, dinners, etc.).

The following Open Times will not conflict with the CFA/SFNet Annual Convention program:

Wednesday, November 13:
2:00 p.m. – 4:00 p.m. EST
9:00 p.m. – Midnight EST (post-Opening Reception)

Thursday, November 14:
6:30 p.m. – 9:00 p.m. EST

Friday, November 15:
From 2:30 p.m. EST on

There are several rooms at the Marriott Marquis Times Square that can be reserved for meeting during these Open Times. Please contact James Kravitz for more information and to reserve space.

Fees
Members:

Early Bird Rate (valid until Labor Day, September 2, 2019) - $1,395 USD
Standard Rate (valid September 3 - November 15, 2019) - $1,495 USD

Non-Members:

Early Bird Rate (valid until Labor Day, September 2, 2019) - $2,295 USD
Standard Rate (valid September 3 - November 15, 2019) - $2,395 USD

Registration:
http://www.cfa.com/eweb/DynamicPage.aspx?WebCode=LoginRequired&expires=yes&Site=CFA    

 

[headlines]
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News Briefs----

KeyCorp shares fall after the bank uncovers
  $90 million fraud by payrolls processor
https://www.cnbc.com/2019/07/16/keycorp-shares-fall-after-cleveland-bank-uncovers-90-million-fraud-by-customer.html

Used Truck Market Continues to Slow Down
  ACT's Used Truck Report
https://content.actresearch.net/blog/act-research-preliminary-used-class-8-volumes-fell-m/m-y/y-and-ytd-for-third-consecutive-month

Recession fears rise for middle-class families
  should be a wake-up call to families/start shoring up their finances now
https://www.cnbc.com/2019/07/16/more-middle-class-families-say-american-dream-is-out-of-reach-study.html

This is credit score you typically need to take out a mortgage
  only 10% of mortgage borrowers had credit scores under 647
https://www.cnbc.com/2019/07/15/median-credit-score-mortgage.html 

U.S. Trade Policy Fails to Restore Manufacturing
Several government measures are having the opposite effect so far
https://www.cfo.com/global-business/2019/07/u-s-trade-policy-fails-to-reshore-manufacturing/

Banks, Insurers Could Get Reprieve
   on Major Accounting Changes
https://news.bloombergtax.com/financial-accounting/banks-insurers-could-get-reprieve-on-major-accounting-changes

 

[headlines]
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You May Have Missed---

The Real Life Risks of Re-Using the Same Passwords
  By Bill Hess/Pixelprivacy.net
https://pixelprivacy.com/resources/reusing-passwords/



[headlines]
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 Silly Question

 by

 Papa Joe Chevalier


Of course I like Baseball!
I like;
All nine innings and knee high strikes
The diamond cut by flashing spikes.
The infield hit, a long home run
Doubleheaders, the radar gun.
The curve, the knuckler, slider and splitter
A slugfest or the chance no-hitter.
The majors, the minors, the kids, the vets
The "Whiz Kids," the "Amazing Mets."
The squeeze bunt and the hit and run
The double steal on three and one.
Both real and artificial grass.
The routine grounder or astro turf hop.
Signs to take and signs to steal
Beating the deadline with a late night deal.
The brush back pitch, the managers warned
The visiting star locally scorned.
Balls with eyes and rain delays
Around the horn double plays.
Walking leads and frozen ropes
Bloops, blasts and springtime hopes.
The game of the week and cable TV
Descriptions like "Good field-no-hit
Or "Say goodbye baseball" at Safeco Field
Diving catches and trapped fly balls
Coaches sweating on 3-2 calls.
The pickoff move and stealing home
Games in the sun or under a dome.
Walks, balks, and fielders choices
An irate skipper getting the gate.
Cold soda, peanuts and ball park franks
Sometimes even the New York Yanks.
For all this and more I have good reason
To be pleased that it's Baseball season.
And if you guys don't mind suggestions,
Go somewhere else with your silly questions!

 

[headlines]
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Sports Briefs---

The fifth quarter: What NFL players do after football
https://www.tiebreaker.com/fifth-quarter-what-nfl-players-do-after-football/

Opinion: Expect Aaron Rodgers to bounce back,
   but Packers' backup QB remains a mystery
https://www.usatoday.com/story/sports/nfl/2019/07/16/packers-quarterback-aaron-rodgers-backup/1741817001/

Vikings running back Roc Thomas suspended by NFL
http://www.theredzone.org/Blog-Description/EntryId/77239/Vikings-running-back-Roc-Thomas-suspended-by-NFL


[headlines]
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California Nuts Briefs---

‘Blood all over the floor.’ Coyote sneaks in pet door and kills          
  dog, Calif. man says
https://www.sacbee.com/news/state/california/article232727222.html

Why this Bay Area County has one of California’s
    highest child poverty rates
https://www.mercurynews.com/2019/07/15/why-this-bay-area-county-has-one-of-californias-highest-child-poverty-rates/

PG&E says power line inspections revealed 10,000 problems
   — some needed immediate fixing
https://www.sfchronicle.com/business/article/PG-E-says-power-line-inspections-revealed-10-000-14098021.php

San Francisco chef wins international honor for battling climate change
https://www.sfchronicle.com/food/article/San-Francisco-chef-wins-international-honor-for-14099664.php

Los Angeles ties Seattle for most cranes in Q2 2019
West Coast's crane count of 159, including Phoenix,
  was more than double the 69 in East Coast metros.
https://www.constructiondive.com/news/los-angeles-ties-seattle-for-most-cranes-in-q2-2019/558835/ 

Corporate tax cuts blocked at least 15,000 affordable homes
  in California. Here’s how
https://www.sacbee.com/news/politics-government/capitol-alert/article232592837.html?



[headlines]

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“Gimme that Wine”

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

Wine Sales Up, Winery Hiring Down and Packaging Sales Trends
https://www.winebusiness.com/news/?go=getArticle&dataId=216765

Newsom signs bill to name Route 128 as a Scenic Highway
https://napavalleyregister.com/news/local/newsom-signs-bill-to-name-route-as-a-scenic-highway/article_18be2e8e-95d8-594d-bb3f-bc67a0d45bcd.html

Great Northwest Wine: Merlot still plays a big role in Washington
https://www.spokesman.com/stories/2019/jul/15/great-northwest-wine-merlot-still-plays-a-big-role/

The value of wine criticism: A conversation with Eric Asimov
https://www.drinks-today.com/wine/general/value-wine-criticism-conversation-eric-asimov


Free Wine App
https://www.nataliemaclean.com/mobileapp/

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

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

This Day in History

     1744 - Gerry Elbridge, Fifth Vice President of the US (1813—14), born at Marblehead, MA. He was a well-known “gadfly” and signer of the Declaration of Independence. His name became part of the language (gerrymander) after he signed a redistricting bill favoring his party while Governor of Massachusetts in 1812. http://www.elbridgegerry.com/ http://bioguide.congress.gov/scripts/biodisplay.pl?index=G http://odur.let.rug.nl/~usa/B/gerry/gerry.htm 000139 
    1763 - Birthday of John Jacob Astor, Germany, fur trader who become a banker, at one time, the richest man in US.  One of the victims with his wife, Mary, aboard “Titanic”. 
http://www.raken.com/american_wealth/encyclopedia/profile.asp?code=83      
    1794 - African Church of St Thomas in Philadelphia is dedicated http://www.pbs.org/wgbh/aia/part3/3h471.html 
    1794 - Richard Allen organizes Philadelphia's Bethel African Methodist Episcopal Church. 
http://earlyamerica.com/review/spring97/alle http://www.ame-church.org/amehist.htmln.html 

    1821 - Spain ceded Florida to the United States.
    1821 - Andrew Jackson became the Governor of Florida.
    1854 - King's College opened in New York City. It later changed its name 
to Columbia University (lower half of: 
http://memory.loc.gov/ammem/today/jul17.html 

http://www.columbia.edu/cu/aboutcolumbia/history.html 
    1861 - Congress authorizes paper money.  The notes were $5 (Hamilton), $10 (Lincoln), and $20 (Liberty).  They were called “demand notes” because they were payable on demand at certain designated subtreasuries. They were not legal tender when first issued but were made so by the act of March 17, 1862. 
    1862 - Senator Henry Wilson of Massachusetts introduced and Congress passed the military act to authorize military service by African-Americans. President Abraham Lincoln signed it. The act empowered the president to accept “persons of African descent for the purpose of constructing entrenchments or performing camp competent”. There was debate on blacks serving in the military, primarily from states that had seceded from the Union. There was a contingency of African-Americans who originally were going to fight on the side of the Confederates, primarily thought to protect their homes, property, and family. The government of the Confederate States refused to accept blacks into the Confederate army, whether “free man” or “slaves”, plus issued a declaration of forfeiture to those who joined the Union army. 
    1863 - Harriet Tubman led Union Army guerillas into Maryland, 
freeing more than 700 slaves 
http://www.awm.lee.army.mil/tubman.htm 
http://www.digitalhistory.uh.edu/black_voices/voices_display.cfm?id=74 
http://www.spartacus.schoolnet.co.uk/USASunderground.htm 
http://www.digitalhistory.uh.edu/black_voices/voices_display.cfm?id=74 
http://www.nwhp.org/tlp/biographies/tubman/tubman_bio.html 
http://www.math.buffalo.edu/~sww/0history/hwny-tubman.htm
    1863 - Battle of Honey Springs, largest battle of the war in Indian Territory http://www2.cr.nps.gov/abpp/battles/ok007.htm 
http://www.ok-history.mus.ok.us/mus-sites/LHF-bhs.htm 
http://www.civilwaralbum.com/indian/honey_springs1.htm 
http://www.civilwaralbum.com/indian/honey_springs2.htm 
http://www.oklahomaadventureguide.com/greencountry/
places/checotah.html 
    1864 - Confederate President Jefferson Davis replaces General Joseph Johnston with John Bell Hood as commander of the Army of Tennessee. Davis, impatient with Johnston's defensive strategy in the Atlanta campaign, felt that Hood stood a better chance of saving Atlanta from the forces of Union General William T. Sherman. For nearly three months, Johnston and Sherman had maneuvered around the rugged corridor from Chattanooga to Atlanta. Although there was constant skirmishing, there were few major battles; Sherman kept trying to outflank Johnston, but his advances were blocked. Though this kept losses to a minimum, there was also a limit to how long Johnston could maintain this strategy as each move brought the armies closer to Atlanta. By July 17, 1864, Johnston was backed into the outskirts of Atlanta. Johnston felt his strategy was the only way to preserve the Army of Tennessee, but Davis felt that he had given up too much territory. In a telegram informing Johnston of his decision, Davis wrote, "you failed to arrest the advance of the enemy to the vicinity of Atlanta, far in the interior of Georgia, and express no confidence that you can defeat or repel him, you are hereby relieved from command of the Army and Department of Tennessee, which you will immediately turn over to General Hood." Davis selected Hood for his reputation as a fighting general, in contrast to Johnston's cautious nature. Hood did what Davis wanted and quickly attacked Sherman at Peachtree Creek on July 20 but with disastrous results. Hood attacked two more times, losing both and destroying his army's offensive capabilities. The next day the city was occupied by Union forces under Gen. William Tecumseh Sherman.
http://www.cviog.uga.edu/Projects/gainfo/johnston.htm http://www.cviog.uga.edu/Projects/gainfo/statues/jejohnston.htm 
http://www.ah.dcr.state.nc.us/sections/hs/bentonvi/Main.htm 
http://www.tennessee-scv.org/camp28/johnstonbio.html 

http://www.moc.org/FlagCollection/Index.html 
http://docsouth.unc.edu/gordon/gordon.html 
http://www.findarticles.com/cf_dls/m2004/4_45/599619
78/p1/article.jhtml 
http://www.gwest.org/46thmsin.htm 
http://www.angelfire.com/ga3/confederaterebels/bat2.html 
http://ngeorgia.com/history/allapass.html 
http://www.netease.net/wayne/Hood.htm 
http://www.dnet.net/personal/cwh/ 
http://www.tsha.utexas.edu/handbook/online/articles
/view/HH/fho49.html 
    1867 - Harvard School of Dental Medicine was established in Boston, MA. It was the first dental school in America. 
    1867 - Linda Anne Eastman (d. 1963) birthday, Oberlin, OH.  U.S. librarian. She developed the children's rooms at the Cleveland Public Library, developed library extensions in hospitals, and developed a Braille collection. In 1918, she became the first woman to head a metropolitan library system that, under her tutelage, became one of the largest and most complete library systems in the United States.  Its collection grew from 57,000 volumes to more than 2,000,000. 
http://oasis.harvard.edu/html/sch00186.html#bioghist1 
http://www.cpl.org/Locations.asp?FormMode=History 
    1870 - A drunken brawl turns deadly when "Wild Bill" Hickok shoots two soldiers in self-defense, mortally wounding one of them. William Hickok had earned his reputation as a gunslinger a decade earlier after shooting three men in a gunfight in Nebraska. He parlayed his standing as a sure-shooting gunman into a haphazard career in law enforcement. In 1869, he was elected interim sheriff of Ellis County, Kansas. Hays City, the county seat, was a rough-and-tumble frontier town, and the citizens hoped Hickok could bring order to the chaos. Unfortunately, after Hickok had killed two men in the line of duty after just five weeks, they concluded that he was too wild for their tastes and they elected his deputy to replace him in November. Unemployed, Hickok passed his time gambling, drinking, and occasionally working as a hunting guide. He quickly became bored and was considering taking work at the nearby Fort Hays as an army scout. On this day in 1870, Hickok had been drinking hard at Drum's Saloon in Hays City. Five soldiers from the 7th Cavalry stationed at Fort Hays were also at the bar. They were drunk and began to exchange words with the notoriously prickly "Wild Bill." A brawl broke out, and the soldiers threw Hickok to the floor. One trooper tried to shoot Hickok, but the gun misfired. Hickok quickly pulled his own pistols and opened fire. He wounded one private in the knee and wrist, and another in the torso. The three remaining soldiers backed off, and Hickok exited the saloon and immediately left town. A clear case of self-defense, Hickok was cleared of any wrongdoing. Yet, one of the soldiers, Private John Kile, later died of his wound and Hickok's chances of becoming an army scout evaporated. He spent the next six years working in law enforcement, gambling, and appearing in Wild West shows. He was murdered in a Deadwood, South Dakota, saloon in 1876, hold Aces and Eights in his hand, hereafter referred to Hickok’s Death cards.
    1877 - Riots and violence erupted in several major American cities stemming from strikes against railroads in protest of wage cuts. Strikes started against the Baltimore & Ohio, and quickly spread west, with riots erupting in Baltimore, Pittsburgh, Chicago and St. Louis. Nine were killed when Federal troops were sent into Martinsburg, West Virginia. On July 21, 26 were killed and the Union Depot and machine shops were burned down. 
    1889 - Erle Stanley Gardner (yes, Erle) (d. 1970) American author of detective fiction, born at Maiden, MA. Best remembered for his series about lawyer-detective Perry Mason, Gardner also wrote novels under the pen name A.A. Fair. 
    1891 - Anna Moscowitz Kross (d. 1979) birthday in Russia.  Social-minded U.S. judge who devoted much of her private life to working for improving the services for women, juveniles, and children 
http://www.huc.edu/aja/kross.htm 
    1897 - The steamer Portland arrived into Seattle from Alaska with 68 prospectors carrying more than a ton of gold. The Seattle Post-Intelligencer announced that men with gold from Alaska were landing. This unleashed the Klondike gold rush and tens of thousands headed for the Yukon. The Klondike gold rush gave America and Canada a psychological boost in getting the economy moving again after the terrible depression that followed the 1893 crash. 
    1898 - Birthday of Berenice (sic.) Abbott (d. 1991), at Springfield, OH.  She went on to become a pioneer of American photography. She is best remembered for her black and white photography of New York City in the 1930's, many of which appeared in the book “Changing New York”.  After publishing this collection, she began photographing scientific experiments that illustrated the laws and processes of physics. Her work was once described by an art critic as "...a chess game between light and shadow." Her portraits are among the most outstanding ever done, although she is best known for her studies of New York City. 
http://www.spartacus.schoolnet.co.uk/USAPabbott.htm 
http://www.nypl.org/research/chss/spe/art/photo/abbottex/abbott.html 
http://www.artsmia.org/picture/print/abbott.shtml 
http://www.3wposter.com/abbott.htm http://www.netstoreusa.com/pmbooks/188/1881270173.shtml 
http://www.nmwa.org/legacy/bios/babbott.htm 
http://women.eb.com/women/articles/Abbott_Berenice.htm
http://www.artsmia.org/get-the-picture/abbott/index.html 
    1899 – Birthday of American dancer and actor Jimmy Cagney (d. 1986), NYC.  Actor and dancer, both on stage and in film (though primarily known for the latter), he was known for his consistently energetic performances, distinctive vocal style, and deadpan comic timing.  He won acclaim and major awards for a wide variety of performances.  He is best remembered for playing multifaceted tough guys in films such as “The Public Enemy” (1931), “Taxi” (1932), “Angels with Dirty Faces” (1938), “The Roaring Twenties” (1939) and “White Heat” (1949), finding himself typecast or limited by this reputation earlier in his career.  In 1999, the AFI ranked him eighth among its list of greatest male stars of the Golden Age of Hollywood.  Orson Welles said of Cagney, "[he was] maybe the greatest actor who ever appeared in front of a camera."
    1902 – This was the beginning of the sports world’s greatest franchise.  The faltering Baltimore Orioles of the American League, left with only five players available to play after mass defections to the National League, forfeited a game to the St. Louis Browns.  The American League assumed control of the franchise for the remainder of the season before selling it to Frank Farrell and Bill Devery, who promptly moved the team to New York and renamed them the Highlanders.  The name "Highlanders" fell into disuse among the press and, in 1913, the team became officially known as the New York Yankees.  By the middle of the decade, Yankees owners Farrell and Devery had become estranged and in need of money. At the start of 1915, they sold the team to Col. Jacob Ruppert, a brewer, and Capt. Tillinghast L’Hommedieu, a contractor-engineer.
    1912 – Birthday of American TV host Art Linkletter (d. 2010), born Arthur Gordon Kelly, Moose Jaw, Saskatchewan.  He was the host of “House Party” which ran on CBS radio and television for 25 years, and “People Are Funny” on NBC radio and television for 19 years. He became a naturalized United States citizen in 1942.  One popular feature of his “House Party” program was the “Kids Say the Darndest Things” segments. A series of books followed which contained the humorous comments made on-air by children.
    1920 - Sinclair Lewis finished the now-famous novel, "Main Street." 
http://us.history.wisc.edu/hist102/bios/32.html http://www.selfknowledge.com/mnstr10.htm 
    1921 - Birthday of guitarist Mary Osborne (d. 1992), Minot, ND.
http://www.classicjazzguitar.com/artists/artists_page.jsp?artist=21 
    1925 - Birthday of singer Jimmy Little Scott (d. 2014), Cleveland, OH.
http://www.fantasyjazz.com/html/scott_j_bio.html 
http://www.nytimes.com/library/magazine/home/
20000827mag-jimmyscott.html 
    1926 - Birthday of trumpet player Ray Copeland (d. 1984), Norfolk, VA.   
http://music.barnesandnoble.com/search/results.asp?ctr=93645 
    1928 - Birthday of drummer Joe Morello (d. 2011), Springfield, MA. 
http://www.dmprecords.com/JoeMorel.htm 
http://www.drummerworld.com/drummers/Joe%20Morello.html 
http://community-2.webtv.net/Jem33b/Morello/index.html 
    1933 - Birthday of drummer Ben Riley (d. 2017), Savannah, GA. 
http://www.jazzcorner.com/jokenrecords/riley.html 
http://www.drummerworld.com/drummers/Ben%20Riley.html 
    1933 - Dr. Albert Ernest Forsythe of Atlantic City, NJ, and Charles Alfred Anderson of Bryn Mawr, PA, became the first African-Americans to make a transcontinental flight.  They left Atlantic City on July 17 at 2:49am and arrived at Los Angeles, CA, on July 19 at 5:30pm. 
    1934 - One of the worst heat waves in the history of the nation commenced. During the last two weeks of the month extreme heat claimed 679 lives in Michigan, including 300 in Detroit alone. 

    1935 – Birthday of actress Diahann Carroll, born Carol Diahann Johnson in The Bronx.
    1935 – Birthday of actor Donald Sutherland, St. John, New Brunswick, Canada.
    1936 - General Francisco Franco led an uprising of army troops based in North Africa against the elected government of the Spanish Republic. Spain was quickly divided into a Nationalist and a Republican zone. Franco's Nationalists drew support from Fascist Italy and Nazi Germany. Many saw this as a war to follow in Europe later. The USA had their foreign policy as “Me First.” Ernest Hemingway is best known as a correspondent covering this war and for his short stories and novel, “For Whom the Bell Tolls.” On Apr 1, 1939, the Nationalists won a complete victory when they entered Madrid. Franco ruled as dictator in Spain until his death in 1975. 
http://memory.loc.gov/ammem/today/jul17.html 
http://www.coax.net/people/lwf/chief.htm 
http://www.blackseek.com/bh/2001/212_CAnderson.htm 
    1938 - Douglas Grace Corrigan, an unemployed airplane mechanic, left Brooklyn, NY's Floyd Bennett field, ostensibly headed for Los Angeles, CA, in a 1929 Curtis Robin monoplane. He landed 28 hours, 13 minutes later at Dublin, Ireland’s Baldonnel airport, after a 3,150-mile nonstop flight without radio or special navigation equipment and in violation of American and Irish flight regulations. Born at Galveston, Texas, January 22, 1907. Corrigan received a hero's welcome home; he was nicknamed “Wrong Way” Corrigan because he claimed he accidentally followed the wrong end of his compass needle. Died at New York, NY, December 9, 1995. 
    1939 - Charlie Barnet Band records “Cherokee” (Bluebird 10373). 
    1941 - A prolonged heat wave over Washington State finally came to an end. Lightning from untimely thunderstorms was responsible for 598 forest fires. 
    1941 - Birthday of Daryle “The Mad Bomber” Lamonica, Fresno, CA. Oakland Raider and Buffalo Bill QB (AFL leading passer 1967) 
http://www.niashf.org/inductees/lamonica_daryl.html http://www.cmc.net/~chrisr/Lamonica/ND.html 
http://www.oaklandraidersdarkside.com/images/
gallery/oldschool/imagepages/
daryle%20lamonica%20drops%20back.htm 

    1943 - WAYBUR, DAVID C., Medal of Honor
Rank and organization: First Lieutenant, U.S. Army, 3d Reconnaissance Troop, 3d Infantry Division. Place and date: Near Agrigento, Sicily, 17 July 1943. Entered service at: Piedmont, Calif. Birth: Oakland, Calif. G.O. No.: 69, 21 October 1943. Citation: For conspicuous gallantry and intrepidity at the risk of life above and beyond the call of duty in action involving actual conflict with the enemy. Commander of a reconnaissance platoon, 1st Lt. Waybur volunteered to lead a 3-vehicle patrol into enemy-held territory to locate an isolated Ranger unit. Proceeding under cover of darkness, over roads known to be heavily mined, and strongly defended by road blocks and machinegun positions, the patrol's progress was halted at a bridge which had been destroyed by enemy troops and was suddenly cut off from its supporting vehicles by 4 enemy tanks. Although hopelessly outnumbered and out-gunned, and himself and his men completely exposed, he quickly dispersed his vehicles and ordered his gunners to open fire with their .30 and .50 caliber machineguns. Then, with ammunition exhausted, 3 of his men hit and himself seriously wounded, he seized his .45 caliber Thompson submachine gun and standing in the bright moonlight directly in the line of fire, alone engaged the leading tank at 30 yards and succeeded in killing the crewmembers, causing the tank to run onto the bridge and crash into the stream bed. After dispatching 1 of the men for aid he rallied the rest to cover and withstood the continued fire of the tanks till the arrival of aid the following morning. 
    1944 - Two ammunition ships explode at Port Chicago, California and kill 322, including 202 African-Americans assigned by the Navy to handle explosives. The resulting refusal of 258 African-Americans to return to the dangerous work forms the basis of the trial and conviction of 50 of the men in what is called the Port Chicago Mutiny. The glare of the explosion could be seen in San Francisco, some 35 miles away. It was the worst home-front disaster of World War II. Officially, the world's first atomic test explosion occurred on 16 July 1945 at Alamogordo, New Mexico but the Port Chicago blast may well have been the world's first atomic detonation.  
    1950 - Top Hits 
“Bewitched” - The Gordon Jenkins Orchestra (vocal: Mary Lou Williams) 
“My Foolish Heart” - The Gordon Jenkins Orchestra (vocal: Eileen Wilson) 
“Mona Lisa” - Nat King Cole 
“Mississippi” - Red Foley 
    1952 - George Shearing Quintet records “Lullaby of Birdland” (MGM 11354) 
    1952 - Birthday of David Hasselhoff, Baltimore, Maryland. Best known
for “Knight Rider” and “Baywatch.”
    1953 - The first Navy ace in Korea was Lieutenant Guy Bordelon, who achieved his fifth victory in a World-War-II-vintage propeller-driven F-4U Corsair. He was awarded the Navy Cross 
http://m2reviews.cnsi.net/reviews/korean/f4u5n.htm 
http://www.people.cornell.edu/pages/dz27/pages/library/bedcheck.html 
http://www.history.navy.mil/nan/2000/nov-dec/chosin.htm 
    1953 - PENDLETON, CHARLES F.,  Medal of Honor
Rank and organization: Corporal. U.S. Army, Company D, 15th Infantry Regiment, 3d Infantry Division. Place and date: Near Choo Gung-Dong, Korea, 16 and 17 July 1953. Entered service at: Fort Worth, Tex. Born: 26 September 1931, Camden, Tenn. Citation: Cpl. Pendleton, a machine gunner with Company D, distinguished himself by conspicuous gallantry and indomitable courage above and beyond the call of duty in action against the enemy. After consolidating and establishing a defensive perimeter on a key terrain feature, friendly elements were attacked by a large hostile force. Cpl. Pendleton delivered deadly accurate fire into the approaching troops, killing approximately 15 and disorganizing the remainder with grenades. Unable to protect the flanks because of the narrow confines of the trench, he removed the machine gun from the tripod and, exposed to enemy observation, positioned it on his knee to improve his firing vantage. Observing a hostile infantryman jumping into the position, intent on throwing a grenade at his comrades, he whirled about and killed the attacker, then inflicted such heavy casualties on the enemy force that they retreated to regroup. After reorganizing, a second wave of hostile soldiers moved forward in an attempt to overrun the position and, later, when a hostile grenade landed nearby, Cpl. Pendleton quickly retrieved and hurled it back at the foe. Although he was burned by the hot shells ejecting from his weapon, and he was wounded by a grenade, he refused evacuation and continued to fire on the assaulting force. As enemy action increased in tempo, his machine gun was destroyed by a grenade but, undaunted, he grabbed a carbine and continued his heroic defense until mortally wounded by a mortar burst. Cpl. Pendleton's unflinching courage, gallant self-sacrifice, and consummate devotion to duty reflect lasting glory upon himself and uphold the finest traditions of the military service. 
    1954 - The First Newport Jazz Festival. The 1956 movie “High Society” made this a worldwide event each year. 
http://lycos.infoplease.com/ce6/ent/A0835462.html 
http://www.pbs.org/jazz/exchange/exchange_festivals.htm 
http://www.art4now.com/wepost2.htm 
http://news.bbc.co.uk/low/english/special_report/1999/04/99
/duke_ellington/
newsid_325000/325871.stm 
http://music.barnesandnoble.com/search/product.asp?ean=74646493229 
http://www.jazzpix.com/Artist_Listing/Davis_Feature/Miles_Davis_591027/
Miles_Davis_Newport_Jazz_Fest_/miles_davis_newport_jazz_fest_.html 

http://www.newportjazzfestival.com/ 
    1954 – The first Major League baseball game in which the majority of the players on one team were African-American was played between the Brooklyn Dodgers and the Milwaukee Braves at Milwaukee, WI. The Braves won 6-1. The black players on the Brooklyn team were Don Newcombe, pitcher; Roy Campanella, catcher; Jim Gilliam, second base; Jackie Robinson, third base, and Sandy Amoros, left field. 
    1955 - Disneyland, America’s first theme park, opened at Anaheim, CA. I remember visiting it in 1956, playing Dixieland at the Frontier Saloon, and watching it grow into an international attraction and destination site. Many did not know that Walt Disney had an apartment there and supervised construction and operations during the week. He would stay some weekends and, since the saloon originally did not serve anything alcoholic, he would attend some Dixieland sets with his famous paper cup. 
    1958 - Top Hits 
“The Purple People Eater” - Sheb Wooley 
“Hard Headed Woman” - Elvis Presley 
“Poor Little Fool” - Ricky Nelson 
“Guess Things Happen that Way” - Johnny Cash 
    1960 - Birthday of Scott Norwood, NFL kicker (Buffalo Bills-Super Bowl XXV goat), Alexandria, VA.  With seconds remaining on the clock, Norwood’s 47 yard FG try to win the game sailed wide right, giving the NY Giants their second SB win, in 1991.
http://www.angelfire.com/nv/billsthunder/LEVYSTORY.html 
http://www.billsbackers.com/MarvLevy.htm 
    1961 - Motown Records releases The Supremes' second single, "Buttered Popcorn" with "Who's Loving You" on the flip side. The record, featuring Florence Ballard on lead vocal, would be a total flop.
    1961 - Roger Maris loses a HR (of his 61) due to a rain-out. Ford Frick rules that if anyone breaks Babe Ruth 60 HR record, it must be done in 1st 154 games.  For years, Maris’ record carried an asterisk because he failed to accomplish the feat in Frick’s timetable.  The asterisk was subsequently removed by MLB.  For many baseball purists, Maris’ record is still the record given that those who surpassed him did so allegedly while using banned substances. 
    1966 - Jim Ryun sets mile record (3:51:03) 
http://www.ryun.house.gov/biography/ 
    1966 - Allen Ginsberg read poetry and Sopwith Camel performed in concert at the San Francisco Fillmore, to benefit Artist Reorganization Throughout San Francisco (A.R.T.S.).  Gary Goodrow of The Committee emceed.

Artist: Wes Wilson 
    1966 - Top Hits 
“Hanky Panky” - Tommy James & The Shondells 
“Wild Thing” - The Troggs 
“You Don't Have to Say You Love Me” - Dusty Springfield 
“Think of Me” - Buck Owens 
    1968 - The Beatles' film, “Yellow Submarine,” debuted in theatres this week. The Fab Four weren't originally too keen about the picture, but after seeing elements of the cartoon, liked it enough to make a cameo appearance at the end. The voices in the film were actors and not The Beatles themselves, but Ringo Starr said that years later, people were still asking him why he "pushed the button" that created all of the chaos in the animated picture. 
    1974 - Bob Gibson of the St. Louis Cardinals struck out Cesar Geronimo of the Cincinnati Reds to become the second pitcher in baseball history, after Walter Johnson, to strike out 3,000 batters. Gibson pitched in the Majors from 1959 through 1975 and finished with 3,117 strikeouts. 
    1974 - Top Hits 
“Rock Your Baby” - George McCrae 
“Annie's Song” - John Denver 
“On and On” - Gladys Knight & The Pips 
“He Thinks I Still Care” - Anne Murray 
    1978 – Pitcher George “Doc” Medich of the Texas Rangers saved the life of a fan suffering a heart attack before a game in Baltimore against the Orioles. Medich, a medical student, administered cardiac first aid until additional help arrived.    
    1980 - Ronald Reagan formally accepts Republican nomination for President. George H.W. Bush of Texas, former ambassador to the UN and former director of the CIA, was nominated for Vice-President. The Democratic National Convention in August then nominated President Jimmy Carter and Vice-President Walter Mondale.  Carter defeated Sen. Edward M. Kennedy of Massachusetts by a margin of nearly two to one. In November, Reagan gets 489 electoral votes to President Carter's 49, carrying 44 states with a popular vote of 42,797,153 to 34,434,100 with John Anderson, an independent candidate, picking up 5,533,927. Republicans picked up 12 Senate seats for a 54-46 majority, one independent. In the House, the Democrats lost 33 seats but kept a majority of 242-192, one seat independent.
    1982 - Top Hits 
“Don't You Want Me” - The Human League 
“Rosanna” - Toto 
“Hurts So Good” - John Cougar 
“'Till You're Gone” - Barbara Mandrell 
    1984 - Mothers Against Drunk Driving (MADD) helped pass the 21 Minimum Legal Drinking Age.  
www.madd.org
    1985 - The nation's second largest banking company, Bank of America, of San Francisco, CA, reported a second-quarter loss of $338 million. 
    1986 - The largest bankruptcy filing in U.S. history took place as LTV Corporation asked for court protection from more than 20,000 creditors. LTV Corp. had debts in excess of $4 billion. 
    1987 - Slow moving thunderstorms caused flooding on the Guadalupe River in Texas resulting in tragic loss of life. A bus and van leaving a summer youth camp stalled near the rapidly rising river, just west of the town of Comfort, and a powerful surge of water swept away 43 persons, mostly teenagers. Ten drowned in the floodwaters. Most of the others were rescued from tree tops by helicopter. 
    1987 - Yankees' first baseman Don Mattingly becomes the first American League player to hit a home run in seven consecutive games.
    1988 - A dozen cities in the eastern U.S., and six others in California, reported record high temperatures for the date. Downtown San Francisco, CA, with a high of 103 degrees, obliterated their previous record high of 82 degrees. Philadelphia, PA, reported a record five straight days of 100 degree heat, and Baltimore, MD, reported a record eight days of 100 degree weather for the year. Afternoon and evening thunderstorms produced severe weather along the Middle Atlantic Coast, and over southern New England.
    1990 - The Minnesota Twins became the first team in Major League history to record two triple plays in the same game when they turned the trick against the Boston Red Sox. But the Red Sox won, 1-0. 
    1990 - Top Hits 
“Step By Step” - New Kids on the Block 
“She ain't Worth It” - Glenn Medeiros featuring Bobby Brown 
“Hold On” - En Vogue 
“The Dance” - Garth Brooks 
    1995 - Netscape announced its Secure Sockets Layer (SSL) security product, designed to encourage Internet shopping. The company said the technology could conceal customers' credit card numbers from Internet merchants and hackers. At the time, the theft of credit card numbers on the Internet was costing merchants $100 million a year, Netscape officials said. The race to create security standards in the mid-1990s was followed by the explosion of Internet shopping's popularity in 1998 and 1999. 
    1996 - TWA (Trans World Airlines) flight 800, carrying 230 people, including four cockpit crew members and 14 flight attendants, exploded, falling into the Atlantic Ocean off the coast of Long Island, New York. The Boeing 747 had lifted off from New York's John F. Kennedy Airport at 8:19 p.m. bound for Paris, France. The explosion happened about 26 minutes later, some 40 miles east of New York, as the plane was climbing through 13,800 feet. The victims included celebrities in sports, entertainment and the arts, business people, and vacationers. Possibly the most poignant were the deaths of sixteen teen-agers, all students from the Montoursville, PA high school French club, and their five chaperones. There are several theories as to the cause of the explosion. Some believe that the airliner was sabotaged and destroyed by a bomb planted on board. Others swore they knew the plane had been struck by a U.S. missile. But, after a 16-month probe, the FBI announced it had found no evidence of a criminal act or stray (or otherwise) missile. It has concluded that the crash was caused by electrical arcing in the plane's center fuel tank igniting fuel vapors. 
    1997 - The Georgia O'Keefe Museum, opened in Santa Fe, NM. It housed major works by O'Keefe, whose paintings of desert scenes and flowers made her the best-known 20th-century artist of the American Southwest. It was the first art museum of importance devoted to the work of a woman. The museum, which contained 116 paintings and one sculpture, was housed in a sprawling adobe building renovated and expanded by architect Richard Gluckman. Peter H. Hassrick was the first director. 
    2005 - Dave Matthews Band’s “Dreamgirl” video premieres on VH1. The band snags one of Hollywood's top actresses for the latest video from its RCA album, "Stand Up." Appearing in her first film role since the birth of her twins last year, Julia Roberts stars in the Dave Meyers-directed clip.
    2005 - Kelly Clarkson's concert in Orlando, Fla., is cybercast live via AOLmusic.com. The show is also available on demand after the conclusion of the performance.
    2012 – Marissa Mayer, a top Google executive took over as CEO of Yahoo.  She held the position until 2017 when she resigned after the acquisition by Verizon.

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Letters! We Get Email
- Lessors.com Appears Stagnant/Last Post April 10th
- CLFP Foundation Releases Seventh Edition Handbook
- Map: The Salary Needed to Buy a Home in 50 U.S. Metro Areas
- Report Misleads More Businesses Applied for MCA
  than Leasing: 2018 Federal Reserve Survey Report
- Small Business Credit Survey 2019
   Use of Financing and Credit -Federal Reserve
- Semi-Confirmed: Amur Equipment Finance
   Acquired by PIMCO’s Private Equity Group
- BAMFi Processes $1 Billion in Transactions
- ELFA Opens Forum for Members
- Women at NEFA Lunch
- Company Allegedly Not Paying Broker
   for Two Companies Who Renewed
- Highlights Marlin Business Services Corp. 10K
- Merchant Cash Advance APR Calculator
- Terry Jennings, CLFP, Promoted to President
- SpamArrest Recommended by Kit Menkin
- Not Many Franchise Funders Work with Brokers
- Top Four Leasing Company Websites in North America
- Marlin Business Services Changes Name and Logo
  Now "Rebranding" as Marlin Capital Solutions
- Reactions: Gerald "Jerry" Parrotto
- Gerald "Jerry" Parrotto
   2018 Leasing News Person of the Year
- Secured Lending Confidence Index: Strong Optimism
- OnDeck To Enter Equipment Financing Market
- Ten Ways to Reduce Attorney Fees for Outside Counsel
- Fred Van Etten, President, Midland Equipment Finance
   Plays Golf with former President George H.W. Bush
- Marshall Goldberg Reports California Senate Bill 1235
   Will Not Become Effective Before Year End 2019
- Mazuma Up to Old Tricks, Been Following for Years
- Day in the Life" from Chris Enbom, CLFP
- Top Ten Business Challenges to Finance/Leasing
- Balboa Capital Gets Slammed for Lessee’s Attorney Fees
   for $429,000 as a Result of Lying to Lessee
- Top Six Leasing Company Websites
- 63 Banks, Finance, and Leasing Companies Hit
   With Losses over $7 Million after Some Recoveries
- How Fraud Worked in 63 Banks, Finance, Leasing Companies
  Losses over $7 Million after Some Recoveries
He’s Back! Trebels Says He Has Completed More than $1 billion
    in Transactions Service More than 100 lenders and Investors
- Top Six Leasing Company Websites
- Merchant Advance, Factor, Leasing, Loans Merchant Database
- Changes at Amur Financial Group
- Sudhir P. Amembal 40th Anniversary
- Menzel on Bob Fisher July 18, 2000 Capital Stream
- The Inside on What is Going On at Amur Financial Group
- Don't Get Fooled by these Common UCC Filing Myths
- The 1 networking rule 99% of people are afraid to follow, but should!
- Takeaways from the 2018 Credit Manager Survey
- Equipment Finance Merger & Acquisition Interest Strong
- The Growth of Commercial Loan Brokers
   Goodbye “Lease Consultant” Title
- Leasing Broker in Massachusetts Sentenced
- Types of Fraud
-The Necessity of Landlord Waivers
- Vendors’ Number One Problem, Not the Applicant
- How to Get to "Groups" in LinkedIn
- Advanced Execution of Acceptance Certificates
- Are you an Equipment Leasing’s version of Blockbuster Video?
- Leasing News Complaints Bulletin Board BBB Ratings
- Tips for Obtaining Financing - Despite Challenged Credit
- Four Types of Interim Rent
- FinTech #102  by Christopher Menkin
   Menkin has an Epiphany
- Alternate Finance Companies - Subprime
- FICO Score: Excellent to Bad
- Charlie Chan on Balboa Capital
- Reader Complaint About LEAF Financial Investment (Collection)
- How to be a “Leasing Expert Witness”
    and Make Extra Income
- Your Photograph on LinkedIn.com
Use a Password Generator
- Banks Turn Toward Leasing for More Profit
- Why Leasing News is Different
- Take Your Banker to Lunch
- Lease Police Tips on Judging Vendors
- Alert: Rudy Trebels Back Soliciting Broker Business
- "The real U.S. Bank Equipment Finance story"
- The Day that Albert Einstein Feared May Have Finally Arrived
- Equipment Finance Agreements Explained/Barry S. Marks
- California License Web Addresses
- Settlement Costs vs. Litigation Costs