Wednesday, July 18, 2007
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To place a free “job wanted” ad here, please go to: For a full listing of all “job wanted” ads, please go to: --------------------------------------------------------------- Captive Lessors To qualify for this list, the company must be either a manufacturer, distributor, or a major supplier (seller.) The "captive" company may have their own funds or secure line(s) of credit. They are not dealers who provide financing under a "private label program," but are there own "lessor." The company may sell off its portfolio from time to time, or enter into a exclusive arrangement with a major financial source. The definition may be further realized by viewing the companies listed. Leasing News reserves the right to not list a company who does not meet these qualifications. We encourage companies who are listed to contact us for any change or addition they would like to make. Adding further information as an "attachment" or clarification of what they have to offer would be helpful to readers are very much encouraged. ( To apply to be listed, please fill in our "Captive Lessor" Form and fax to 408.374.3843 or you may e-mail to: kitmenkin@leasingnews.org.) Click here for the complete page and additional information. --------------------------------------------------------------
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Alexa Ranks Leasing Media Web Sites
David G. Mayer's Business Leasing and Finance News is not included in the Alexa report list as it does not have its own individual site and Alexa finds Patton Boggs, LLP Attorneys at Law. The rating is not valid as it includes all those who visit and communicate with the law firm. When Business Leasing and Finance News has its own individual web site, it will be included in the Alexa survey. www.leasingblog.com is part of a blog network and actually rating of the specific site is not possible. At present they state they have 500 subscribers. These comparisons are compiled by Leasing News using Alexa and should be viewed as a "sampling," rather than an actual count from the website itself. Other than as noted above, we believe the ratings are reflective as most have stayed in the same position, basically, for over a year. The Alexa tool bar works on most browsers. You may download their free tool bar A graph and analysis of the last three months are available. ( Note: the lower the number, the higher you are on the list. It is based on all web sites. Leasing is only a very small part of the various sites such as Yahoo, MSN, Google, etc. --------------------------------------------------------------
-------------------------------------------------------------- Leasing Industry Help Wanted
EFD Marketing Specialist
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David G. Mayer's "Business Leasing and Finance News," July 2007 edition. Current Headlines 1. Ethanol Plants Fuel Opportunities Despite Potential Industry Consolidation 2. SEC Gives Smaller Public Companies Improved Access to Equity Markets and Sarbanes-Oxley Relief 3. International Registry Goes Live with Registrations of Fractional Shares in Aircraft 4. BLFN's Finance 101: What is the “Foreign Corrupt Practices Act”? Click here to read current issue From: David G. Mayer, a partner at the law firm of Patton Boggs LLP. David is a member of the firm's Business Transactions Group. He is the author of the book, Business Leasing for Dummies ® of the well-known "For Dummies" series of books. BLN derives its simple approach in part from David's book.
-------------------------------------------------------------- Small Business's Slow to Embrace Web 2.0 Technology By Keith Girard While a significant number of small businesses have established a Web presence — to market and sell products or use Web-based software — an overwhelming number have fallen behind the curve when it comes to the latest Web innovations. Known collectively as Web 2.0, the term represents many new Internet tools and interactive social networking applications. They greatly enhance user experience and allow for real-time interaction with customers. Early on, of course, most business-related Web sites were little more than advertisements for company products and services. But as Web technology matured, businesses quickly realized the value of e-commerce. Today, the ability to reach a vastly wider market through interactive sales is fueling an even wider online boom. Like many consumers, I am part of that boom. I typically turn to the Internet first to do research when I'm in the market for a big-ticket item like a new car. Recently, I went to one dealer's Web site to look at their inventory. Nothing too special about that; most dealers list their inventory online nowadays. But then I noticed a box that read “Click here to speak to a sales rep.” I expected to pull up contact information, so you can imagine my surprise when an instant-messaging window popped up. Even then, I thought I was about to get a canned advertisement. But, unbelievably (to me, anyway) a real salesperson was online. It was a great way to get questions answered without the pressure of being on the sales floor. It was also a great icebreaker for the sales rep and a cool overall experience for me. That's Web 2.0 innovation at work. These days, no one doubts that e-commerce is here to stay, and many businesses are spending huge sums to make their sites interactive. Yet a recent eye-opening survey by Capital Access Network in Scarsdale, NY, found that only 11 percent of small business owners are using Web 2.0 innovations (such as blogs) to connect with potential customers. According to a separate study, more than 70 million weblogs now inhabit cyberspace and at least 120,000 new blogs are created daily. “Considering that the third most popular reason to go online for [survey] respondents is to generate new business leads and customers, to ignore the current state of the blogosphere may be detrimental to the future of these firms,” the survey noted. A few years ago, another far-reaching study by the federal government proclaimed that the Internet promised to “become the economic underpinning for all successful countries in the new global economy.” As online sales grow, that prediction is quickly coming to fruition. Here are some of the key findings for small business owners to keep in mind: • Income: Internet use is directly related to income. Nearly 60 percent of those who have incomes of $75,000 a year or more have Internet access, compared to only 12.1 percent at the lower end of the scale. • Ethnic Origin: Whites (37.7 percent) and Asian/Pacific Islanders (35.9 percent) use the Internet far more than African Americans (19 percent) and Hispanics (16.6 percent). Urban whites are the most likely to be connected to the Internet at home. Rural blacks are the least likely. • Education: Not surprisingly, education levels and Internet usage are closely related. Those with a college education have a usage rate (61.1 percent) that is nine times higher than the least educated Americans. • Households/Age: Urban married couples with children under age 18 are most likely to be online while urban households headed by single females with children are least likely. The 35-to-44 age group is most likely to be online, and people 55 and over are least likely. It's clear from the findings that Internet users are an affluent and growing market. On the plus side, the Capital Access survey confirmed that small businesses understand what the Internet means to their bottom line. Almost half (46 percent) make some money from the Web, and a majority (60 percent) uses the Internet for some business and personal needs. But most small business owners are still riding with training wheels. Almost seven in ten, (68 percent) only use first-generation search engine optimization tools to help drive traffic and another 58 percent use the Web mainly for advertising, the survey found. For many small businesses the cost of investing in online technology can be steep, but the price for falling too far behind the curve could be fatal. --------------------------------------------------------------- Morgan Stanley invests in Maxus Capital Group Growing capital equipment leasing firm has strong position, reputation Morgan Stanley today announced that it has made an equity investment in Maxus Capital Group, a leading provider of capital equipment leasing services to middle-market companies.
### Press Release ########################### Priority Leasing partners with Subway Franchise Owners to offer Lender Program Subway franchise owners will now benefit nationally from the company's partnership with a premier equipment leasing and financing provider. Melrose, MA -- Opening a new franchise for an established food service chain is a daunting task for any small business owner. Having the option to lease rather than purchase essential capital equipment is a sensible way to lower investment risk and increase cash flow. Priority Leasing Chief Operations Officer, Rick Shea, explained exactly what it means to the company to be accepted into this prestigious program. "It opens the door to a whole new world of opportunity. Becoming an Approved Lender with DAI allows us access to decision makers at existing and fledgling Subwayfranchises." As excited as Shea's team are about the potential for new clients, the inception of this relationship ultimately benefits the franchise owners, "We can leverage our knowledge and experience in the financing industry to provide top flight service and competitive rates that might be otherwise unavailable to Subway franchisees." Priority's Franchise Group offers a variety of funding options for all Subway owners' capital needs including remodels, Wal-Mart installations, store transfers and first time franchisees. Account managers Doug Daniels, Craig Reason and Matt DiMinico, who bring years of experience in the financial field, will handle the equipment leasing venture which services all 50 states. Since 1997, Priority Leasing, Inc has provided affordable equipment leasing for new and used equipment and has twice been listed in Inc. magazine's annual Inc. 500 as one of America's fastest growing companies - most recently in 2006. For more information about the company please visit the website at www.PriorityLeasing.com . Contact: ### Press Release ########################### KEF Names John Meringer VP - Global Pricing & Economics Key Equipment Finance, one of the nation's largest bank-affiliated equipment financing companies and an affiliate of KeyCorp (NYSE: KEY), announces the appointment of John R. Meringer to vice president of global pricing and economics. Meringer will be responsible for overseeing the pricing and economic analysis activities in the company's global vendor services group, which operates in 26 countries. “John's 25-year track record in finance and accounting is a perfect fit to manage this important aspect of our business,” said Clif Gottwals, president and chief operating officer of Key Equipment Finance's global vendor services unit. “His background in credit, international accounting and information technology is an asset for our global customers.” Meringer joined Key Equipment Finance in 2002 as director of the company's LeasePak operations, managing a team responsible for all transaction accounting in that department. Previously, he was senior financial consultant for Pinnacle West Capital Corporation, and vice president of finance and operations for Stirling Capital Corporation, both in Phoenix. Additionally, Meringer held positions of increasing responsibility at FINOVA Capital Corporation (formerly known as Bell Atlantic TriCon Leasing Corporation). He earned an MBA in Finance from Fairleigh Dickenson University in New Jersey, and his Bachelors degree in Business Administration from Concord College in West Virginia. About Key Equipment Finance: Key Equipment Finance is an affiliate of KeyCorp (NYSE: KEY) and provides business-to-business equipment financing solutions to businesses of many types and sizes. They focus on four distinct markets: · businesses of all sizes in the U.S. and Canada (from small business to large corporate); · equipment manufacturers, distributors and value-added resellers worldwide; · federal, provincial, state and local governments as well as other public sector organizations; and · lease advisory services for manufacturers' captive leasing and finance companies. Headquartered in Superior, Colorado, Key Equipment Finance manages a $13.1 billion equipment portfolio with annual originations of approximately $6.4 billion. The company has major management and operations bases in Toronto, Ontario; Albany, New York; Chicago, Illinois; Houston, Texas; London, England; and Sydney, Australia. The company, which operates in 26 countries and employs 1,100 people worldwide, has been in the equipment financing business for more than 30 years. Additional information regarding Key Equipment Finance, its products and services can be obtained online at http://www.KEFonline.com. Cleveland-based KeyCorp is one of the nation's largest bank-based financial services companies, with assets of approximately $93 billion. Key companies provide investment management, retail and commercial banking, consumer finance, and investment banking products and services to individuals and companies throughout the United States and, for certain businesses, internationally. ### Press Release ########################### Bank of the West Automates Its Credit Review and Approval Process SUNNYVALE, Calif. -- ILOG(R) today announced that Bank of the West, one of the nation's 25 largest banks, is automating its commercial loan origination process using ILOG JRules(R), a key offering in ILOG's Business Rule Management System (BRMS) product line. Using ILOG JRules, Bank of the West is creating a more efficient loan review and approval process, reducing the time required for credit reviews to one day, and improving regulatory compliance. The new system is also expected to ease credit administrators' workload and reduce operational costs. Bank of the West, which currently operates more than 700 retail and commercial banking locations in 19 Western and Midwestern states, will use ILOG JRules to automate a paper-based credit review process. Bank of the West will use ILOG BRMS in combination with FileNet's Business Process Management (BPM) and Enterprise Content Management (ECM) solutions to create a new loan origination system (LOS) that will automate the entire credit review and approval process, including data capture, management of the credit administrators' approval queue and credential assessment. In the new LOS, ILOG's BRMS will drive the credit decision workflow, enabling faster data validation and improved routing accuracy, which will result in quicker processing time and increased customer satisfaction. With ILOG JRules, electronic documents will be instantly routed back and forth between all credit review stakeholders in various departments across local and regional branches. The BRMS-based credit review process will save additional time by enabling new credit application documents to be automatically "pre-filled" using data collected from credit reviews. "In addition to slashing the time required for a credit review cycle, ILOG JRules will enable us to create a standard, streamlined credit review process that the entire bank will follow," said Lenard East, vice president for Strategic Planning & Administration in Commercial Banking at Bank of the West. "Behind the scenes, the ILOG technology, which is proving to be very intuitive, allows us to create scenarios and evaluate results before putting them into production. This will give us a greater level of control and a higher degree of confidence in the business rules we put in place. Most importantly, ILOG JRules will help provide our credit administrators with timely access to better quality information to ensure an optimal credit review process." ILOG has consistently built on its history of product innovation to make it one of the industry's leading provider of business rule management system software. Forrester Research has recognized ILOG as a rules platform market leader, including the leader in rules platforms for Java. Customers of ILOG's award-winning BRMS products include eBay, Equifax, Grupo Santander, Harrah's Entertainment, Visa, Vodafone, Zurich, and many other leading Global 2000 companies and governments worldwide. ILOG's business rule management system (BRMS) product line includes ILOG JRules(R), ILOG Rules for .NET(R) and ILOG Rules (C++)(R). About Bank of the West Founded in 1874, $56 billion-asset Bank of the West (http://www.bankofthewest.com) offers a full range of personal, business and trust banking services, and currently operates more than 700 retail and commercial banking locations in 19 Western and Midwestern states. It is the second-largest bank based in California. About ILOG ILOG delivers software and services that empower customers to make better decisions faster and manage change and complexity. Over 2,500 corporations and more than 465 leading software vendors rely on ILOG's market-leading business rule management system (BRMS), supply chain planning and scheduling applications, and optimization and visualization software components, to achieve dramatic returns on investment, create market-defining products and services, and sharpen their competitive edge. ILOG was founded in 1987 and employs more than 800 people worldwide. For more information, please visit http://www.ilog.com. ILOG and ILOG JRules are registered trademarks of ILOG S.A. and ILOG Inc. All other company and product names are trademarks of their respective owners.
### Press Release ########################### Bank of America cleared to buy LaSalle Bank
Bank of America Corp. on Friday won a major battle in its three-month struggle to buy LaSalle Bank when the Dutch Supreme Court ruled that parent ABN Amro NV didn't need shareholder approval to sell Chicago's No. 2 bank. The decision was a blow to Charter One, whose parent, Royal Bank of Scotland Group PLC, also coveted LaSalle as a way to boost its Midwestern presence. In April, Barclays PLC, the United Kingdom's third-biggest bank, agreed to buy Amsterdam-based ABN for $88.8 billion in the world's biggest bank takeover. As part of the deal, Bank of America, which is the nation's second-largest bank but ranks only 12th in Chicago-area market share, would buy LaSalle. Days later, Edinburgh-based RBS and two partners had other ideas, indicating they'd pay about $98 billion for ABN. Then, the Barclays-ABN deal suffered a setback when an Amsterdam court blocked ABN's sale of LaSalle because it lacked shareholder approval. However, the Dutch Supreme Court overturned the lower court ruling, saying there were "no grounds" to block the $21 billion sale of LaSalle to Bank of America. "The fact that the shareholders aim at selling their shares at the highest possible price involves no obligation for the board of directors of ABN Amro to obtain approval of the sale of LaSalle," the court said in its ruling. Bank of America, which has a history of operating under one name, will retire the LaSalle name if the sale is completed. It also has said that it sees the potential to cut costs at LaSalle by as much as 50 percent, suggesting widespread job reductions. But relatively few branch closings are expected. "We are pleased that the Supreme Court has vacated the injunction and ruled that our contract is valid and should be executed," Bank of America said Friday. "We are looking forward to completing this important strategic transaction as soon as possible." RBS said Friday that its group plans to make a revised offer for the rest of ABN. "It is over as far as LaSalle goes," Mike Trippitt, an analyst at Oriel Securities Ltd. in London, told Bloomberg News. But one legal observer isn't so sure. "The principals are making noises like it's all over, and they're probably right, but we'll see," said Carl Tobias, a University of Richmond law professor. He wonders whether ABN shareholders will try to force the issue in other court venues. "I'm wondering whether they could go into British or U.S. courts if they're so inclined," he said. "They were unhappy enough to force the issue in the Netherlands, so why not continue it in another venue?" Bank of America is the "main winner" from Friday's ruling, "although it is still possible that another legal challenge to the sale of LaSalle," perhaps by a shareholder group, could be launched, Credit Sights, an investment research firm, said in a note Friday. "It's also possible that RBS could reach a separate agreement with Bank of America to acquire parts of LaSalle, although we do not think this is likely." Peter Paul de Vries, director of Dutch shareholder-rights group VEB, said he was disappointed with the court's decision. ABN management "may have won this battle, but they will lose the war," De Vries said, referring to executive support for the Barclays deal. ### Press Release ########################### Lakeland Bancorp Reports 9% Increase in Second Quarter Net Income OAK RIDGE, N.J., July 12 /PRNewswire-FirstCall/ -- Lakeland Bancorp, Inc. reported second quarter Net Income of $5.5 million, an increase of $469,000, or 9%, compared to the same period last year. Diluted Earnings Per Share was $0.25, compared to the $0.23 reported in the second quarter of 2006. (All per share information have been adjusted for a 5% stock dividend paid on August 16, 2006.) Annualized Return on Average Assets was 0.97% and Annualized Return on Average Equity was 10.90% for the second quarter of 2007. Net Income for the first six months of 2007 was $9.9 million, an increase of $147,000 from the $9.7 million reported for the same period last year. Diluted Earnings Per Share was $0.45 as compared to a $0.44 diluted EPS for the first six months of 2006. Return on Average Assets was 0.87% and Return on Average Equity was 9.92% for the first half of 2007. Lakeland Bancorp also announced that it has declared a quarterly cash dividend of $0.10 per common share. The cash dividend will be paid on August 15, 2007 to holders of record as of the close of business on July 31, 2007. Roger Bosma, Lakeland Bancorp's President and CEO said, "Our loan demand continues to be strong with loans now representing 73% of total assets. Margins have stabilized and we bolstered regulatory capital with the issuance of $20.6 million in Trust Preferred subordinated debentures. We also continue to expand our branch network with the opening of two new branches in Morristown and North Haledon." Earnings Net Interest Income Net interest income for the second quarter of 2007 was $17.5 million compared to the $16.7 million earned in the second quarter of 2006. Net interest margin for the second quarter of 2007 was 3.45% as compared to 3.48% in the second quarter of 2006, and 3.46% in the first quarter of 2007. Average earning assets rose 5%. The yield on interest-earning assets increased by 46 basis points to 6.40% in the second quarter of 2007 from 5.94% for the same period last year. The cost of interest bearing liabilities increased 58 basis points from 2.89% in the second quarter of 2006 to 3.47% in the second quarter of 2007. The yield for interest-earning assets reflects improved asset mix with average securities representing only 18% of average total assets down from 28% in the second quarter of 2006. The increased liability cost was due to changes in liability mix and the impact of the Trust Preferred issuance. Year-to-date, net interest income was $34.6 million, or 4% higher than the $33.3 million reported for the first six months of 2006. Net interest margin for the first half of 2007 at 3.45% compared to 3.47% for the same period last year, while average earning assets rose 4%. The Company's yield on earning assets increased from 5.85% for the first six months of 2006, to 6.41% for the first six months of 2007. The Company's cost of interest bearing liabilities increased from 2.78% for the first six months of 2006, to 3.45% for the first six months of 2007. Noninterest Income Noninterest income including gains on investment securities totaled $5.9 million, compared to the $4.3 million reported in the second quarter of 2006. Included in noninterest income for the second quarter 2007 was a $1.8 million gain on investment securities in the Company's portfolio. In the second quarter of 2006, there were no gains on sales of investment securities. Exclusive of the gains on investment securities, noninterest income for the second quarter of 2007 totaled $4.1 million, as compared to $4.3 million for the same period last year. Service charges on deposit accounts totaling $2.6 million decreased by $88,000 in the second quarter of 2007, as compared to the same period last year primarily due to lower overdraft fees. Commissions and fees at $785,000 decreased by $135,000 primarily due to lower loan fees and investment commission income, while leasing income decreased by $125,000 to $157,000 as the Company has been retaining leasing assets in the bank's loan portfolio. Noninterest Expense Noninterest expense for the second quarter of 2007 was $14.4 million, as compared to $13.4 million in the second quarter of 2006. Salary and benefit expense at $8.1 million increased by $426,000, or 6%, primarily due to an increase in employee commission expense reflecting increased leasing business, as well as normal salary and benefit increases. Occupancy, furniture and equipment expenses at $2.5 million increased 5%, as the Company opened two new branch locations in the second quarter of 2007. The remaining noninterest expense categories increased by $468,000 to $3.8 million in the second quarter of 2007. This increase was primarily due to higher legal fees and marketing expenses as compared to the same period last year. For the first six months of 2007, noninterest expense was $28.8 million, compared to $27.2 million in 2006. Salary and benefit costs increased by $950,000 or 6%, to $16.3 million. Occupancy, furniture and equipment expenses increased by $225,000 to $5.2 million. The remaining expense categories increased by $377,000, or 5%, primarily due to increased legal fees and marketing expenses. At June 30, 2007, total assets were $2.34 billion. Total loans were $1.71 billion, up $123.4 million or 8% from $1.59 billion at year-end 2006. Included in this increase were leasing assets, commercial loans and residential mortgage loans, which increased by $66.5 million, $45.9 million, and $12.5 million, respectively. Total deposits were $1.88 billion, an increase of $16.9 million from December 31, 2006. The loan-to-deposit ratio on June 30, 2007 was 91.0%, as compared to 85.2% on December 31, 2006. Core deposits, which are defined as noninterest bearing deposits and savings and interest bearing transaction accounts, amounted to $1.36 billion and represented 73% of total deposits at June 30, 2007. Asset Quality At June 30, 2007, non-performing assets totaled $8.0 million (0.34% of total assets). The Allowance for Loan and Lease Losses totaled $14.0 million at June 30, 2007 and represented 0.82% of total loans. During the first half of 2007, the Company had net charge-offs of $757,000 (0.09% of total loans) as compared to $758,000 (0.11% of total loans) during the first half of 2006. The Allowance for Loan and Lease Losses at June 30, 2007 was 174% of non- performing loans. Stockholders' equity was $204.1 million and book value per common share was $9.23. As of June 30, 2007, the Company's leverage ratio was 8.48%. Tier I and total risk based capital ratios were 10.69% and 11.79%, respectively. These regulatory capital ratios exceed those necessary to be considered a well-capitalized institution under Federal guidelines. In the second quarter of 2007, the Company completed the issuance of $20.6 million in Trust Preferred subordinated debentures. The information disclosed in this document includes various forward- looking statements (with respect to corporate objectives, and other financial and business matters) that are made in reliance upon the safe harbor provisions of the Private Securities Litigation Reform Act of 1995. The words "anticipates", "projects", "intends", "estimates", "expects", "believes", "plans", "may", "will", "should", "could", and other similar expressions are intended to identify such forward-looking statements. Lakeland cautions that these forward-looking statements are necessarily speculative and speak only as of the date made, and are subject to numerous assumptions, risks and uncertainties, all of which may change over time. Actual results could differ materially from such forward-looking statements. The following factors, among others, could cause actual results to differ materially and adversely from such forward-looking statements: operational factors relating to the performance of Lakeland Bank, market conditions, competitive conditions and general economic conditions. Any statements made by Lakeland that are not historical facts should be considered to be forward-looking statements. Lakeland is not obligated to update and does not undertake to update any of its forward-looking statements made herein Non-GAAP Financial Measures The attached table refers to a performance measure, return on tangible equity, which has been determined by methods other than in accordance with GAAP. "Return on tangible equity" is defined as net income as a percentage of average total equity reduced by recorded intangible assets. This measure may be important to investors that are interested in analyzing our return on equity exclusive of the effect of changes in intangible assets on equity. The disclosure of return on tangible equity should not be viewed as a substitute for results determined in accordance with GAAP, and is not necessarily comparable to non-GAAP performance measures which may be presented by other companies. The following reconciliation table provides a more detailed analysis of this non-GAAP performance measure. Click here for the full story. ### Press Release ########################### KeyCorp Reports Second Quarter 2007 Earnings CLEVELAND -- KeyCorp (NYSE: KEY) today announced second quarter income from continuing operations of $337 million , or $0.85 per diluted common share. This compares to income from continuing operations of $303 million , or $0.74 per share, for the second quarter of 2006, and $358 million , or $0.89 per share, for the first quarter of 2007. Key's income from continuing operations for the first six months of 2007 was $695 million , or $1.74 per diluted common share. This compares to income from continuing operations - before the cumulative effect of an accounting change - of $577 million , or $1.40 per share, for the first half of 2006. Click here to read the full report.
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News Briefs---- HP Recycles a Billion Pounds of Ewaste Ryder opens new facilities in Toronto and Ottawa MRA Becomes First Green Mobile Event Marketing Company with Environmentally Conscious Initiatives Grants will aid immigrant farmers ----------------------------------------------------------------
California Nuts Briefs--- Governor signs law to trim future officials' pensions Governor Directs Immediate Actions to Preserve the Delta and Our Water Supply School, welfare groups worried about deep cuts ----------------------------------------------------------------
Calendar Events This Day Uruguay: Constitution Day – National Caviar Day - Saint feast Days
http://www.catholic.org/saints/f_day/jul.php ----------------------------------------------------------------
Today's Top Event in History 1775-the first Revolutionary War volunteer detachment to arrive in Cambridge, MA, to fight the British was the Reading Rifleman of Reading, PA. On my mother’s side of the family, her great-great grandfather was in this unit. The Rifleman of York,PA, arrived on July 25. [headlines]
This Day in American History July 18,1928---Carl Fontana birthday -------------------------------------------------------------- SuDoku The object is to insert the numbers in the boxes to satisfy only one condition: each row, column and 3x3 box must contain the digits 1 through 9 exactly once. What could be simpler? http://leasingnews.org/Soduku/soduko-main.htm -------------------------------------------------------------- Daily Puzzle How to play: Refresh for current date: -------------------------------- |
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