June 25, 2003---Archive
2003 “Monitor 100”

http://www.leasingnews.org/archives/June%202003/06_25_2003.htm#2003

Classified Ads--- Senior Management

For a full listing of all “job wanted” ads, please go to:
http://www.leasingnews.org/Classified/Jwanted/Jwanted.htm

Other e-Mail Posting Sites:
http://www.leasingnews.org/Classified/Posting_sites.htm

Up-Date: Broker Looking for Funder List-Manifest et. al.

There are some changes being made to the list that shows brokers who are welcoming their business. First US Bank Manifest Funding Service is not, unless you send them a high volume of deals that get funded; BSB Leasing category is being changed to "funder" from "super broker, " and Ron Mitchell, VP, BancLease Acceptance Corp., will be added most likely next week. They want to ratchet up their broker program. They reportedly have a lot of low cost funds available.

US Bank Manifest Funding Services is not going to make any public statement about the changes, Leasing News was told, but after speaking with many of their customers, it is obvious a major shift is taking place with US Bancorp moving more into the vendor side of the business. Whether the Marshall, Minnesota office remains, or Portland, Oregon, or shifts to other offices is not know, although many in the “Manifest Funding” group are moving to the vendor division and staff is being “reduced.” Whether this is from losses or a study as the up-keep of the broker program is not known. Schwann and Lyon Financial were one of the major employers in Marshall. That may be changing.

It is thought by independent arrangers of leases that there is little cost, meaning they don't get paid if they don't produce. The fact is many direct salesmen and vendor program have the same incentive, commission or bonus program. It is said that the support of independents is costly, and their studies indicate a high loss ratio than from direct efforts of officers and sales staff.

At one time, independents would be able to pre-screen submissions with personal visits, collecting financial statements and tax returns, understanding the business, meeting the actual customers, and often the vendor, too. But now most is from telephone calls, and while the internet has sped up the process, much faster than the fax or federal express, including the growth of e-signatures, the reality is the independent broker rarely ever meets the customer nor knows more than what they can obtain over the World Wide Web.

The days of territory, actual cold calling on businesses direct, or working with independent dealers who’s main company had no financial plan to offer, are long gone.

This then becomes a processing procedure rather than a personal relationship, and the goal is volume, meaning more sales, rather than building a repeat customer base where many telephone from "Trigger Leads," "UCC's," and lists of those who have had finance and leasing credit extended. It becomes a "numbers game," if you will, and the person who signs the lease rarely meets in person the sender of the document.

Whether this grew from the “application only” phase or was part of the once growing securitization marketplace history will perhaps let us know. Maybe it is the result of the wireless industry technology bringing communication literally as fast as lightning, very inexpensive, and response more demanding than ever before. Overwhelming may be a more appropriate description.

This not only applies to the small ticket marketplace, but also the middle market. It first was felt in the mini, then the small, and has risen to the middle dollar territory.

BSB was started by Don Myerson and grew from leasing copies to a broker/discounter, became part of UniCapital and therefore a funder, and when the company dissolved, went back into business as a "super broker," meaning not having any salesmen and taking leases that they would either discount to other funder or use other funder contracts. During this time, they also started their own in house line of credit, established a "back office" partnership with Orion and other leasing companies and grew into their own lines of credit, where they now realize 80% of their leases they keep "in house."

BancLease is part of the conglomerate owned by the Van Hellemonts, XXXXX who are the principals at Varilease as well a company that buys bank leasing portfolios, and is also involved in other companies, including PFSC (Portfolio Financial Servicing Company) run by John Enyart. Ron Mitchell is handling a division that wants to expand in the broker marketplace, seeing a great opportunity, and has put together a program (more information to follow next week.)

What follows is the up-dated "Funder Only/Superbroker looking for Broker list."

These companies are funders or super brokers seeking independent leasing broker business. The list does not include "brokers," "lessors", or "packagers."

Funder/Superbroker Looking for New Broker Business

Send company name, contact/email or telephone number as well as a URL to attach or description to
kitmenkin@leasingnews.org

There is no advertising fee or charge for a listing. They are “free.”Leasing News makes no endorsement of any of the companies listed, except they have qualified to be on this specific list.

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.

Leasing Associations: All non-profit leasing associations are abbreviated. To see the full name and learn more about the association, please click here.

BBB - Better Business Report | CBB - Leasing News Complaint Bulletin Board
| CNI - Current News Information

A -Accepts Broker Business | B -Requires Broker be Licensed | C -Sub-Broker Program
| D -"Private label Program" | E - Also "in house" salesmen

N/R (not reported)
* (no response---these listing do not come from the company directly, but from our research from many sources. It is our policy not to put anything in this section without confirmation.)

Business Reports: Companies listed may make any netiquette comment about their company or reports or other information in the footnote section of their listing. Leasing News recommends readers also view the footnote as well as the section itself or searching reports on the business.

It also should be noted that if a BBB report listing is found by a reader, as there may not have been one when this was last up-dated, please send the link to maria@leasingnews.org so Leasing News may up-date this section.

Leasing Associations: All non-profit leasing associations are abbreviated. To see the full name and learn more about the association, please click here.

BBB - Better Business Report | CBB - Leasing News Complaint Bulletin Board
| CNI - Current News Information

A -Accepts Broker Business | B -Requires Broker be Licensed | C -Sub-Broker Program
| D -"Private label Program" | E - Also "in house" salesmen

N/R (not reported)
* (no response---these listing do not come from the company directly, but from our research from many sources. It is our policy not to put anything in this section without confirmation.)

For the full set of lists, please go here:
http://www.leasingnews.org/All_Lists.htm

Cartoon---Lessor at Home

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Leasing Industry Help Wanted

Tax Manager Portland, Oregon Multi-state property/sales tax experience. Vertex & PTMS tax management software exp. preferred. Click here for more information Please Contact: B. Gail Proper gproper@pfsc.com or Johnathan Wease jwease@pfsc.com http://www.pfsc.com/ One of the nation’s largest and most trusted independent lease and loan servicing organizations.

 

IMMEDIATE OPENINGS NATIONAL SALES MANAGERS Click on your area of expertise below for details Medical Market                Technology Market

Please see our Job Wanted section for possible new employees.

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The Saga of Rudy Trebels Claiming a CLP--update

In the Wednesday, June 23, 2010 "Letter to the Editor" one reader wrote:

“Why does he claim he is still a CLP on LinkedIn, if he is not? Or are the CLP’s a bunch of phony’s? ”

Richard Kelly (1)

This is important as the Certified Leasing Professional designation means the person has not only passed a stringent test, indicating their knowledge of equipment financing and leasing, but upholds the standards of the professional. It is not a fraternal order or even a trade association as it has a meaning to not only the knowledge of the finance and leasing industry, all its facets, but has a strict code of conduct and what is expected of a professional who holds this distinction. It is an elite group of men and women in the leasing industry.

This concerns the former CEO of IFC Credit Corporation with many Leasing News Bulletin Board complaints, as well as personal lawsuits and claims in the IFC Credit Bankruptcy. He had first claimed on his LinkedIn site he was a member of various leasing association, cleaned that up, and also changed the number of CLP's from 350 to 200, but still claims he is a Certified Financial Professional in his first line:

"CLP Equipment Leasing Group of America Financial Services industry
August 2009 – Present (11 months)
Rudy is a CLP-Certified Lease Professional, a designation held by approximately 200 people in the leasing industry"

At the time, there were 28 of the 277 contacts listed on the front page as connected, several of them CLP's, giving the impression they approved Trebels claiming to be a Certified Leasing Professional.

Here is the current list on view, only one CLP:

Tom Herlihy, VP Sales & Marketing at TimePayment
Ted Brownrigg, Colonial Pacific, Financial Pacific, Orion Financial,
Mohammed Ahsan, Partner, Quail Capital (former NEFA Board Dir.)
Ronald Lear, formerly PFF, OFC (former NEFA Board Dir.)
Jim Padden, CLP, President at Padco
Kevin Kepp, Managing Member at Optimus Capital Group
Randy Haug, Randy Haug, Lease Team (president, NEFA, also his
company did IFC accounting software and now
Patrick Sponsel, VP at Sharpe Financial Network, Director-NAELB
Kennedy J. Gilbertson, past Senior Vice President at Alliance Capital

(1) Letter to the Editor story:
http://leasingnews.org/Pages/trebels_linkedin.html

LinkedIn Story:
http://leasingnews.org/archives/Jun2010/6_11.htm#correction

(This ad is a “trade” for the writing of this column. Opinions
contained in the column are those of Mr. Terry Winders, CLP)

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Loan/Lease Broker Statutes

Leasing News invites distinguished attorneys who specialize in leasing and finance to contribute legal matters, information, and education that would be of interest to Leasing News readers.

These statues not only apply to all leasing brokers, but to all discounters, lessors and funders who are not licensed elsewhere; many states do not require “loan/lease” for banks: however, bank subsidiaries may be required to have such a license. Some states allow licensed real estate brokers or mortgage companies to engage in financing. There also is a trend to consider the transaction a “consumer” transaction rather than a “commercial” transaction if a personal guarantee is required. The issue is not the type of law that will prevail, but having a license to define the intention.

In all the states we are aware, anyone in the loop who is not a direct employee of a licensed entity requires a license. This means anyone who receives remuneration, meaning a referral fee or a commission, is required to have a license.

There are some provisions regarding what is known as a "true lease," that means all the IRS and accounting standards as a true lease, really a "rent," may not be required to have a license. In reality, most of the lease transaction as “finance.” A true operating lease, such as a rental yard, or renting something from month to month or an annual contract, that does not declare any ability to purchase, would meet this definition.

While some states word it a “loan,” it could be a “capital lease” requiring a personal guarantee and ruling could be that it is a disguised “loan.” The point here is that most of these licenses are not difficult to obtain and are relatively inexpensive. It is a better business decision to have the license, than not to have it.

Many of these licenses are required if you do business in the state, and some apply to specifics, such as receiving a “first and last” or deposit, called an “advance fee.”

There is a definite trend to meld consumer laws with commercial transactions, particularly if a personal guarantee is involved.

It should be pointed out that according to recent statistics, 84% of lease transactions are classified as “capital leases,” meaning they are “finance” transactions. Leases that sell the stream of payments or discount them also get treated as a “finance” and therefore arguments that the transactions are true leases or operating leases may be disqualified for meeting FASB and IRS requirements. It should also be noted from personal experience it is up to the judge to decide if it is an operating lease or capital lease; meaning in a bankruptcy matter or other dispute, the judge decides not a CPA or FASB or IRS agent. There is a “real life” difference between legal, tax, and accounting.

Arizona: All “advance fee loan brokers” must register annually with the state. Arizona Revised Statutes, sec. 06-1303-1310 (1996)

Registration process:
http://azdfi.gov/Licensing/AppPack/ALB_App.htm

Arkansas: All brokers of “a loan of money, a credit card or a line of credit” may not assess or collect an advance fee. In addition, all brokers must register with the Securities Commissioner, post a surety bond of $25.000 and have a net worth of $25,000.

Arkansas Code Annotate sec. 23-39-401 (1995)

California: No person shall engage in the business of a finance lender or broker without obtaining a license from the Commissioner. A licensed lender, including a bank or other financial institution, cannot do business with an unlicensed person engaged in finance, including capital leases.

California Financial Code, Division 9, Chapters 1 and 3

Connecticut: Brokers of “unsecured loans” may not assess or collect an advance fee.

Connecticut General Statues, sec. 369-616 (1997)

Florida: Brokers of a “loan of money, a credit card, line of credit or related guarantee, enhancement or collateral of any nature” may not assess or collect an advance fee.

Florida Statues, Chapter 687.14 (1992)

Georgia: A broker of “loans of money, a credit card, a line of credit or related guarantee, enhancement or collateral of any kind or nature” may not assess or collect an advance fee unless such fee is for “actual services necessary to apply for the loan.”

Official Code of Georgia Annotated, sec. 7- 7-1 (1992)

Idaho: No fee may be collected unless a loan is actually made.

Idaho Code, sec. 26-2501 (1992)

Illinois: Code , 815 ILCS 175/15-5.03 Under the Act, a ”loan broker” means any person who, in return for a fee from any person, promises to procure a loan for any person or assist any person in procuring a loan from any third party, or who promises to consider whether or not to make a loan to any person. 815ILCS 175/15-5- 15(a)

Specifically excluded from the application of the Act, however, are (1) any bank …regulated by any service loans for the Federal National Mortgage Association… (3) any insurance producer or company authorized to do business in [Illinois], (4) any person arranging financing for the sale of the person's product, (note that this exception does not apply to any person selling someone else's product and only applies to “the” person's product, implying the exception is for the owner of the product arranging for financing), (5) any person authorized to conduct business under the Residential Mortgage License Act of 1987 and (6) any person authorized to do business in [Illinois] and regulated by the Department of Financial Institutions or the Office of Banks and Real Estate.

“In the event that the Act is violated by the broker, the Secretary of State is empowered by the statute to make investigations and examinations, suspend or evoke the broker's approval, subpoena witnesses, compel the production of books and records, order depositions and obtain temporary restraining orders and injunctions against the broker. In the vent that a violate is found, the Secretary of State may impose a fine in the amount of $10,000 for each violation and the broker shall be liable to any person damaged in the amount of tactual damages plus attorneys fees.

This appears as standard language on most states.

Iowa: A broker of loans of “money or property” may not assess or collect an advance fee except for a “bona fide third-party fee” and a broker must obtain a bond or establish a trust account and file required documents with the Commissioner or Insurance.

Iowa Code, sec. 535C (1992)

Kentucky: Brokers of “a loan of money, a credit card, a line of credit or related guarantee, enhancement or collateral of any kind or nature” may not assess or collect an advance fee.

Kentucky Revised Statutes Annotated, sec. 367.380 (1992)

Louisiana: A broker of loans of “money or property…whether such agreement is styled as a loan, a lease or otherwise” must obtain a surety bond or establish a trust account in the amount of $25,000. A broker may not collect an advance fee but may collect an “advance expense deposit for commercial loans” only for actual expenses incurred in obtaining the loan.

Louisiana Revised Statutes Annotated, sec. 9:3574 (1993);

Louisiana Revised Statutes Annotated, Sec. 51:1910 (1992)

Mississippi: A broker or loans of money may not assess or collect an advance fee and can be fined up to $5,000 for each violation.

Mississippi Code Annotated, sec. 81-19-17 (1997)

Missouri: A broker of loans of “money or property” may not assess or collect an advance fee.

Missouri Revised Statues, sec. 367 300 (1992)

Nebraska: A broker of loans of money may not assess or collect an advance fee. Nebraska Revised Statutes, sec. 45-189 (1993)

New Jersey: Brokers of “loans of money” may not assess or collect an advance fee.

New Jersey Rev. Statutes, sec. 17:10B (1992)

New Mexico currently requires Brokers/Lessors to register for Licensing under the New Mexico Mortgage loan Company or Loan Broker Act with the Financial Institutions Division of the State of New Mexico.

Banks with Brick and Mortar within the State of New Mexico are exempt.

Prior to licensing applicants must submit the Following:
Articles of Incorporation
Listing of all principals (including management)
A full financial Package (to meet their minimum requirements of liquidity)
Personal financial statements on all principals
Disclosure of all current or past suits (civil or criminal)
Attach a corporate surety bond
Include a $400.00 registration fee renewable yearly

New York: Any advance payment or deposit must go into an escrow account until a transaction proceeds.

North Carolina: A broker of “loans of money or property…whether such agreement is styled as a loan, a lease or otherwise” must obtain a surety bond or establish a trust account in the amount of $25,000 and obtain a license.

North Carolina General Statutes, sec. 66-106 (1992)

North Dakota: Brokers may not accept an advance fee unless the broker is licensed.

North Dakota Century Code, 13-04. 1-09.1 (1993)

Ohio: Department of Commerce, Division of Financial Institutions (Certificate to engage in the business of a credit services organization in accordance with the provisions of Sections 4712.01 to 4712.14 of the revised code of Ohio, subject to all the provisions thereof and to the regulations of the division.) Ohio Department of Taxation requires a "Vendor's License" under provision 5739.17 of the Revised Code (...is hereby authorized to sell tangible personal property and selected services at the retail location specified below.) This also makes the lessor responsible for all taxes with penalties for not doing so.

South Carolina: A broker of “a loan of money, a credit card, a line of credit or related guarantee, enhancement or collateral of any kind or nature” may not assess or collect an advance fee.

(South Carolina Code Annotated, sec. 34-36-10 91992 )

Texas: Consult an attorney familiar with Texas finance and lending laws.

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

News Briefs ---

Mortgage rates at all-time low
http://www.bankrate.com/finance/mortgages/mortgage-rates-at-all-time-low.aspx

$269 million wine sale-lease deal Sterling Vineyards
http://www.pressdemocrat.com/article/20100624/ARTICLES/100629692/1350?Title=Iconic-Napa-wineries-part-of-269-million-sale-lease-deal

Middle East Leasing business grows by leaps and bounds
http://arabnews.com/economy/article72889.ece

China Financial Leasing Industry Report, 2009-2010 Now Available
http://www.pr-inside.com/china-financial-leasing-industry-report-r1967652.htm

Raleigh-based equipment leasing firm secures $100M credit facility
http://localtechwire.com/business/local_tech_wire/news/blogpost/7744689/

Strongco Increases Volvo Equipment Credit Facility to $120 Million
http://www.marketwatch.com/story/strongco-increases-volvo-equipment-credit-facility-to-120-million-2010-06-21?reflink=MW_news_stmp

Microsoft has sold 150 million copies of Windows 7
http://seattletimes.nwsource.com/html/microsoftpri0/2012197455_
microsofthassold150millioncopiesofwindows7.html

Tiburon fraud suspect hit with federal case
http://www.marinij.com/ci_15371359?source=rss

You May Have Missed---

Most Americans Get Too Much Salt
http://www.businessweek.com/lifestyle/content/healthday/640499.html

Sports Briefs----

Soccer's moment may have arrived
http://www.sandiegouniontribune.com/news/2010/jun/23/us-world-cup-algeria-win-round-16/

 

California Nuts Briefs---

Police jobs on line at Oakland budget meeting
http://www.sfgate.com/cgi-bin/article.cgi?f=/c/a/2010/06/24/MNV61E4IL3.DTL&tsp=1

Lawyers dissect story of Meg Whitman spat
http://www.sfgate.com/cgi-bin/article.cgi?f=/c/a/2010/06/24/BAP01E3RKR.DTL

 

“Gimme that Wine”

Winemaster Richard Arrowood Announces Decision To Leave Arrowood Vineyards & Winery
http://www.prnewswire.com/news-releases/winemaster-richard-arrowood-announces-decision-to-leave-arrowood-vineyards--winery-96782574.html

Alexander Valley Vineyards recognized as certified Sonoma Green Business
http://www.winebusiness.com/news/?go=getArticle&dataid=75465

The Long Island Merlot Alliance Releases Its 2007 Merliance
http://www.winebusiness.com/news/?go=getArticle&dataid=75463

Box Wine Sales on the Rise
http://www.winebusiness.com/suppliernews/?go=getSupplierNewsArticle&dataId=75379

Free Mobile Wine Program
http://leasingnews.org/archives/Feb2010/2_26.htm#mobile

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

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

Winery Atlas
http://www.carterhouse.com/atlas/\

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

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Today in History

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This Day in American History

    1630—Governor Winthrop introduced the fork to American dining. Prior to using a fork, the custom was to eat with your sharp knife or hands.
    1749 - A general fast was called on account of drought in Massachusetts. It was the year of the famous dry spring in which fields and villages burned.
    1788-Virginia became the 10th state to ratify the Constitution. Jamestown, was the first permanent English settlement in North America, The state, also known as Old Dominion, was named after the "Virgin Queen", Elizabeth I of England. Virginia and its capital, Richmond, have played major roles in American history. Like West Virginia, it names the cardinal as the state bird. The official state flower of Virginia is the flowering dogwood.
    1844-President John Tyler married Julia Gardiner, daughter of a New York State Senator, at the Church of the Ascension, New York City. He became the first president to be married in the White House. His first wife, Letita Christian Polk, whom he had married on March 29,1813, had died on September 10,1842, in the White House.
    1862-Earlier this month, at Fair Oaks, Virginia, Confederate forces under General Joseph E. Johnston stalled the Union advance toward Richmond in General George B. McClellan’s Peninsular campaign. Johnston was wounded at Fair Oaks and Robert E. Lee was then appointed commander of the Confederate Army of Northern Virginia. He then launched a series of engagements on this date that became known as the Seven Days Campaign. Battles at Oak Grove, Gaine’s Mill’s, Garnett’s Farm, Golding’s Farm, Savage’s Station, White Oak Swamp and finally Malvern Hill left more than 36,000 casualties on both sides. Despite losing the final assault at Malvern Hill, the Confederates under the leadership of General Lee succeeded in preventing the much larger Union army from taking Richmond.
    1862-First day of the seven-day battle at Oak Grove
http://www2.cr.nps.gov/abpp/battles/va015.htm
    1864-President Abraham Lincoln signs bill providing schools for Black children.
    1864 -A TRIP TO THE CLIFF HOUSE by Mark Twain written for The San Francisco Daily Morning Call
If one tire of the drudgeries and scenes of the city, and would breathe the fresh air of the sea, let him take the cars and omnibuses, or, better still, a buggy and pleasant steed, and, ere the sea breeze sets in, glide out to the Cliff House. We tried it a day or two since. Out along the rail road track, by the pleasant homes of our citizens, where architecture begins to put off its swaddling clothes, and assume form and style, grace and beauty, by the neat gardens with their green shrubbery and laughing flowers, out where were once sand hills and sand-valleys, now streets and homesteads. If you would doubly enjoy pure air, first pass along by Mission Street Bridge, the Golgotha of Butcherville, and wind along through the alleys where stand the whiskey mills and grunt the piggeries of "Uncle Jim." Breathe and inhale deeply ere you reach this castle of Udolpho, and then hold your breath as long as possible, for Arabia is a long way thence, and the balm of a thousand flowers is not for sale in that locality. Then away you go over paved, or planked, or Macadamized roads, out to the cities of the dead, pass between Lone Mountain and Calvary, and make a straight due west course for the ocean. Along the way are many things to please and entertain, especially if an intelligent chaperon accompany you. Your eye will travel over in every direction the vast territory which Swain, Weaver & Co. desire to fence in, the little homesteads by the way, Dr. Rowell's arena castle, and Zeke Wilson's Bleak House in the sand. Splendid road, ocean air that swells the lungs and strengthens the limbs. Then there's the Cliff House, perched on the very brink of the ocean, like a castle by the Rhine, with countless sea-lions rolling their unwieldy bulks on the rocks within rifle-shot, or plunging into and sculling about in the foaming waters. Steamers and sailing craft are passing, wild fowl scream, and sea-lions growl and bark, the waves roll into breakers, foam and spray, for five miles along the beach, beautiful and grand, and one feels as if at sea with no rolling motion nor sea-sickness, and the appetite is whetted by the drive and the breeze, the ocean's presence wins you into a happy frame, and you can eat one of the best dinners with the hungry relish of an ostrich. Go to the Cliff House. Go ere the winds get too fresh, and if you like, you may come back by Mountain Lake and the Presidio, overlook the Fort, and bow to the Stars and Stripes as you pass.
    1864-The Union Army facing mounds of pickets and bunkers decides to dig tunnels under this obstructions
    1868-Congress authorized government laborers a workday of eight hours, which was signed into law by President Andrew Johnson this day, providing, among other things, that “eight hours shall constitute a day’s work for all laborers, workmen, and mechanics who may be employed by or on behalf of the Government of the Untied States.
    1876-Lieutenant Colonel George Armstrong Custer, leading military forces of more than 200 men, attacked an encampment of Sioux Indians led by Chiefs Sitting Bull and Crazy Horse near Little Bighorn River, MT. Custer and 264 men of the Seventh Calvary were slaughtered in the brief battle (about two hours) of Little Bighorn. One horse, named Comanche, is said to have been the only survivor among Custer’s forces. This brought more repression by both the US Army and Federal Government to the American Indians in the next fifty years. It was common to “ Remember Custer’s Last Stand.” It was common for military commanders to attack the Indians out-numbered with firepower and from three directions. It is said one of his units halted in the three prong attack, and the other reacted by holding back and not proceeding with the long proved strategy, allowing the Indians to “divide and conquer.” He was considered an American hero. It was not until present time that he was considered an egoist trying to build his reputation in the military (very common in that day, and perhaps until recent times.) Military historians find no errors in the strategy of the attack, except for the execution (This is from accounts from interviews with the Indians, including scouts who were dismissed before the attack and watched the battle, plus papers and diaries from the soldiers. Other historians believe he should have waited for reinforcements from General Alfred H. Terry, who discovered the bodies)
http://memory.loc.gov/ammem/today/jun25.html
    1886- birthday of Henry H. “Hap” Arnold, US general and commander of the Army Air Force in all theaters throughout WWII, Arnold was born at Gladwyne, PA. Although no funds were made available, as early as 1938 Arnold was persuading the US aviation industry to step up manufacturing of airplanes. Production grew from 6,000 to 262,000 per year from 1940—44. He supervised pilot training and by 1944 Air Force personnel strength had grown to two million from a prewar high of 21,000. Made a full general in 1944, he became the US Air Force’s first five-star general when the Air Force was made a separate military branch equal to the Army and Navy. Arnold died Jan 15, 1950, at Sonoma, CA.
    1874-birthday of Rose O’Neill, born at Wilkes-Barre, PA. Her career included work as an illustrator, author and doll designer, the later gaining her commercial success with the Kewpie Doll. In 1910, “
The Ladies Homes Journal” devoted a full page to her Kewpie Doll designs, which were a marketing phenomenon for three decades. Died at Springfield, MO, April 6, 1944.
    1881-Birthday of Crystal Eastman –said to be one of the most influential and “radical” U.S. women of her day. She was an attorney, feminist, labor reformer, peace advocate, birth control advocate, suffragist, and worker for women's financial equality in both the U.S. and England. She was active in the Political Equality League, Congressional Union for Woman Suffrage, Women's Peace Party, the Feminist Congress, and a member of the famed Heterodoxy Club of New York.
http://www.spartacus.schoolnet.co.uk/USAWeastman.htm
http://www.library.csi.cuny.edu/dept/history/lavender/386/ceastman.html
    1908-birthday of African-American Beatrice Murphy, editor and author. http://www.addall.com/Browse/Detail/0836960335.html
    1910- The Mann Act was passed by the US Congress. It prohibited the transportation of females across state or internationally lines for immoral purposes. It was said to be an attempt to curb the huge "white slave" and prostitution business in the U.S. and the world. At the time it was estimated that there were more than 600 recognized houses of prostitution in Chicago alone. New Orleans was "closed" to naval personnel because of the number of brothels. But the situation was nothing new With the change from rural to city living caused by the industrial revolution, more and more women were on their own without family to help support them. It was said that women were “imported” for prostitution, however, the custom had been going on since France brought in French prostitutes in the 17th century to marry French soldiers and settlers in Louisiana. The most famous prosecutions under the law were those of Charlie Chaplin in 1944 and Chuck Berry in 1962, who took unmarried women across state lines for "immoral purposes." Chaplin was acquitted but left the country under FBI director J. Edgar Hoover's threats. Berry was convicted and spent two years in the prime of his musical career in jail. After Berry's conviction, the Mann Act was enforced only sparingly and was finally removed from the books in 1986.
    1918-Birthday of Marion Alice Orr, member of the Canadian Aviation Hall of Fame. MAO was one of the most noted pilots for the RCAF in England during World War II. She ferried military planes - some terribly shot up and dangerous to fly - from landing strips to repair locations and back. Her flights always subject to German fighter interception as well as the dangers from the planes disintegrating in air. The women also flew planes that had made their regular night sorties over Germany from air fields close to the channel to safer locations to the west of England and then returned them to the eastern air bases that evening. A number of women who ferried the planes died. In Canada, she was the first woman to fly and instruct helicopters. For further information on this remarkable woman and other Canadian flyers, see
    1922-birthday of Bill Russo, jazz composer, arranger and trombonist, best known perhaps for playing with Stan Kenton. While I was going to Julliard School of Music, I studied privately with him in New York. He was teaching me fundamentals of big band arranging, starting with six and seven chord harmonies.
    1925 - The mercury hit 101 degrees at Portland, OR, their earliest 100 degree reading of record.
    1925-birthday of accordion player Clifton Chewier, King of Zydeco, Opelousas,LA. Zydeco is the party music of the black Cajuns of Louisiana, and is a mixture of blues, French folk songs, country, R'n'B and rock 'n' roll. Chenier usually played an accordion and sang in a mixture of French and English. He often wore a jeweled crown on stage, and appeared at blues festivals and rock clubs all over North America. He was largely responsible for the popularity of zydeco outside his native Louisiana. Chenier, who was severely diabetic, died on December 12th, 1987, at the age of 62.
http://www.allmusic.com/cg/amg.dll?p=amg&sql=B485gtq0ztu43~C
http://www.coldbacon.com/music/clifton.html
http://www.allmusic.com/cg/amg.dll?p=amg&sql=Bxt1uakjk5m3z~C
    1928 –Trombonist, composer, arranger Bill Russo birthday. I took private lessons from him in New York City 1958
    1935-birthday of vocalist Eddie Floyd, Montgomery, Al
http://www.history-of-rock.com/eddie_floyd.htm
http://covers.wiw.org/artist/Eddie+Floyd
    1941-Glenn Miller records Adios on Bluebird.
    1941-Fair Employment practices Commission established.
    1941 - Joe DiMaggio ran his hitting streak to 45 straight games, with a home run off Boston’s Heber Newsome. The ‘Yankee Clipper’ broke the record set by Wee Willie Keeler in 1897.
    1942-- Major General Dwight D. Eisenhower takes command of U.S. forces in Europe. Although Eisenhower had never seen combat during his 27 years as an army officer, his knowledge of military strategy and talent for organization were such that Army Chief of Staff General George C. Marshall chose him over nearly 400 senior officers to lead U.S. forces in the war against Germany. After proving himself on the battlefields of North Africa and Italy in 1942 and 1943, Eisenhower was appointed supreme commander of Operation Overlord--the Allied invasion of northwestern Europe
    1944---Top Hits
I’ll Be Seeing You - The Tommy Dorsey Orchestra (vocal: Frank Sinatra)
I’ll Get By - The Harry James Orchestra (vocal: Dick Haymes)
Swinging on a Star/Going My Way - Bing Crosby
Straighten Up and Fly Right - King Cole Trio
    1944--*KELLY, JOHN D. Medal of Honor
Rank and organization: Technical Sergeant (then Corporal), U.S. Army, Company E, 314th Infantry, 79th Infantry Division. Place and date: Fort du Roule, Cherbourg, France, 25 June 1944. Entered service at: Cambridge Springs, Pa. Birth: Venango Township, Pa. G.O. No.: 6, 24 January 1945. Citation: For conspicuous gallantry and intrepidity at the risk of his life above and beyond the call of duty. On 25 June 1944, in the vicinity of Fort du Roule, Cherbourg, France, when Cpl. Kelly's unit was pinned down by heavy enemy machinegun fire emanating from a deeply entrenched strongpoint on the slope leading up to the fort, Cpl. Kelly volunteered to attempt to neutralize the strongpoint. Arming himself with a pole charge about 10 feet long and with 15 pounds of explosive affixed, he climbed the slope under a withering blast of machinegun fire and placed the charge at the strongpoint's base. The subsequent blast was ineffective, and again, alone and unhesitatingly, he braved the slope to repeat the operation. This second blast blew off the ends of the enemy guns. Cpl. Kelly then climbed the slope a third time to place a pole charge at the strongpoint's rear entrance. When this had been blown open he hurled hand grenades inside the position, forcing survivors of the enemy guncrews to come out and surrender The gallantry, tenacity of purpose, and utter disregard for personal safety displayed by Cpl. Kelly were an incentive to his comrades and worthy of emulation by all.
    1944--OGDEN, CARLOS C. Medal of Honor
Rank and organization: First Lieutenant, U.S. Army, Company K, 314th Infantry, 79th Infantry Division. Place and date: Near Fort du Roule, France, 25 June 1944. Entered service at: Fairmont, Ill. Born: 19 May 1917, Borton, Ill. G.O. No.: 49, 28 June 1945. Citation: On the morning of 25 June 1944, near Fort du Roule, guarding the approaches to Cherbourg, France, 1st Lt. Ogden's company was pinned down by fire from a German 88-mm. gun and 2 machineguns. Arming himself with an M-1 rifle, a grenade launcher, and a number of rifle and handgrenades, he left his company in position and advanced alone, under fire, up the slope toward the enemy emplacements. Struck on the head and knocked down by a glancing machinegun bullet, 1st Lt. Ogden, in spite of his painful wound and enemy fire from close range, continued up the hill. Reaching a vantage point, he silenced the 88mm. gun with a well-placed rifle grenade and then, with handgrenades, knocked out the 2 machineguns, again being painfully wounded. 1st Lt. Ogden's heroic leadership and indomitable courage in alone silencing these enemy weapons inspired his men to greater effort and cleared the way for the company to continue the advance and reach its objectives.
    1945- Robert Charlebois, one of Quebec's most influential pop singers, was born in Montreal. His first LP, in 1965, received a jury award for debut recordings at the Festival du Disque in France. In 1968, Charlebois represented Quebec at the Fifth International Festival of French Song, winning the grand prize with his composition, "Lindberg." A tour of France in 1969 was curtailed after a riotous performance at the Paris Olympia. Charlebois began a two-year sabbatical in 1974 after participating in a concert on the Plains of Abraham with Gilles Vigneault and Felix Leclerc. The historic gathering of the three men who shaped the tradition of the popular song in Quebec was televised by the CBC French network, and later broadcast in France. In the late '70s, Robert Charlebois began performing in a more relaxed style that had critics comparing him with Frank Sinatra and Yves Montand. It was a sharp change from the raucous image of his heyday.
    1945- singer Carly Simon was born in New York City, the daughter of publishing magnate Richard Simon of Simon and Schuster. She began singing with her sister Lucy when the two were in college. Simon began her solo career in 1969, and hit the top 10 two years later with "That's the Way I've Always Heard It Should Be." In 1972, her recording of "You're So Vain," featuring a guest appearance by Mick Jagger, hit number one. That year she married James Taylor, and the two combined in 1974 for the hit single "Mockingbird," a remake of a '60s R'n'B success by Inez and Charlie Foxx. Carly Simon suffers from stage fright and rarely appears in concert. In 1981, she filed for divorce from Taylor.
http://www.carlysimon.com/
http://www.carlysimon.net
    1948-Boxer Joe Louis defended his heavyweight championship by knocking out Jersey Joe Walcott in the 11th round of a fight at Yankee Stadium. This was Louis’s last title defense after which he retired.
    1950-Forces from northern Korea invaded southern Korea, beginning a civil war. US ground forces entered the conflict June 30. An armistice was signed at Panmunjom July 27,1953, formally dividing the country into two---North Korea and South Korea.
    1949 - Entertainer Fred Allen closed out his amazing radio career. Allen was making the transition to TV. His final radio guest was his old pal, Jack Benny. order. Benny went on to become a television legend Allen’s caustic wit didn’t play well on TV and he found himself out of the medium in short time.
    1950-The Korean War (1950-1953) began when North Korean forces launched an invasion across the 38th parallel into South Korea. The UN ordered an immediate cease-fire and withdrawal of invading forces.
    1951-CBS broadcast the first color television program on June 25, 1951. The program was strictly experimental, as no viewers had color televisions at the time: The four- hour program could only be viewed on the forty color television sets at CBS. The first all-color station, WNBQ-TV in Chicago, began showing color programs on November 3, 1955, and switched to color entirely, even for local programs, by April 15, 1956.
    1952---Top Hits
Kiss of Fire - Georgia Gibbs
I’m Yours - Don Cornell
Be Anything - Eddy Howard
The Wild Side of Life - Hank Thompson
    1953 - The temperature at Anchorage soared to 86 degrees, their hottest reading of record.
    1959 - CBS journalist Edward R. Murrow interviewed his 500th -- and final -- guest on "Person to Person": actress Lee Remick. Just hours before this final broadcast, Murrow had presented his last news broadcast on the CBS radio network. CBS-TV had reportedly made $20 million from Murrow’s "Person to Person" series.
    1960---Top Hits
Cathy’s Clown - The Everly Brothers
Everybody’s Somebody’s Fool - Connie Francis
Swingin’ School - Bobby Rydell
Please Help Me, I’m Falling - Hank Locklin
    1961 - Pat Boone spent this day at number one for one last time with "Moody River". Boone, a teen heart-throb in the 1950s, had previously walked his way up the music charts, wearing white buck shoes, of course, with these other hits: "Ain’t That a Shame", "I Almost Lost My Mind", "Don’t Forbid Me", "Love Letters in the Sand" and "April Love
    1962- the U.S. Supreme Court ruled that a prayer read aloud in public schools violated the 1st Amendment’s separation of church and state. The court again struck down a law pertaining to the First Amendment when it disallowed an Alabama law that permitted a daily one-minute period of silent mediation or prayer in public schools in 1985. This decision has been seen by each new Supreme court and is considered a quite a controversy to this day.
    1964 - "A Hard Day’s Night" was released by United Artists Records. The album featured all original material by The Beatles and became the top album in the country by July 25, 1964.
    1965 - "Mr. Tambourine Man", by The Byrds, reached the number one spot on the pop music charts. The song was considered by many to be the first folk-rock hit. The tune was written by Bob Dylan, as were two other hits for the group: "All I Really Want to Do" and "My Back Pages". The group of James Roger McGinn, David Crosby, Gene Clark, Chris Hillman and Mike Clarke charted seven hits. The Byrds were inducted into the Rock and Roll Hall of Fame in 1991.
    1966-The final Beatles world tour kicked off in Munich, Germany as the Fab Four saw "Paperback Writer" leap from number 15 in the US to number 1. Although John Lennon was the Beatle who actually wrote books, the song was penned by Paul McCartney.
     1967 -- "Summer of Love": 75,000 - 100,000 in Hashbury, San Francisco. Also, on or about this day, author Ken Kesey is sentenced to 6 months in jail. At a Veterans Administration hospital, Kesey was a paid experimental subject, taking mind-altering drugs & reporting their effects. Experiences as an aide at a psychiatric hospital & LSD sessions served as background for One Flew Over Cuckoo's Nest. The book was a vehicle for Ken Kesey’s anarchist rant against the oppressive conformism imposed by society’s institutions, particularly the dehumanizing social conformity of the 1950s. Kesey formed the 'Merrie Pranksters', bought an old school bus, & toured America & México with his friends. Their exploits were immortalized in Tom Wolfe's The Electric Kool-Aid Acid Test (1973).
"You are either on the bus or you're not on the bus."
http://www.intrepidtrips.com/
http://www.arewereally.com/titlepage.html
http://www.nii.net/~obie1/deadcd/acid_test_files.htm
    1967-the first worldwide live television program was “our World,” shown in 26 countries via four satellites. The two-hour production involved 10,000 technicians and 300 cameras in 14 countries on five continents. It opened with glimpses of births in Mexico, Canada, Denmark, and Japan. The rest of the program featured clips of Leonard Bernstein and Van Cliburn rehearsing a Rachmaninoff concerto at New York City’s Lincoln Center, the Beatles recording a song in London, a rehearsal of Lohengrin in Bayreuth, Germany, the making of a movie in Italy, and other presentations. The American outlet was the National Education Television network. The program cost about $5 million.
    1968---Top Hits
This Guy’s in Love with You - Herb Alpert
MacArthur Park - Richard Harris
The Look of Love - Sergio Mendes & Brazil ’66
Honey - Bobby Goldsboro
    1968-Bobby Bonds of the San Francisco Giants started on the road to stardom this day. Bonds connected for a grand slam home run in his first game with the Giants. He became the first baseball player in the majors to debut in such an exciting way.
    1968 -- In response to the passage of an anti-gay ordinance in Miami, 240,000 people march in San Francisco in the first large-scale version of that city's annual Gay Freedom Day Parade.
    1969 - The Hollies record ``He Ain't Heavy, He's My Brother,'' with Elton John playing piano. The song reaches No. 7 on Billboard's singles chart.
    1969-Pancho Gonzalez and Charlie Pasarell played the longest match in Wimbledon history. After 112 games and 5 hours, 12 minutes, Gonzales emerged triumphant.
    1975-Former Supreme, Florence Ballard put on a dynamic performance at Detroit's Ford Auditorium that drew wide acclaim and renewed interest in her career. Unfortunately, her comeback faltered and she would pass away a year later.
    1976---Top Hits
Silly Love Songs - Wings
Get Up and Boogie (That’s Right) - Silver Convention
Misty Blue - Dorthy Moore
El Paso City - Marty Robbins
    1976 - The CN Tower opened in Toronto, Ontario, Canada. At 1,815 feet, 5 inches high, the tower is the world's tallest building and the tallest freestanding structure.
    1979 - Muhammad Ali announced that he was retiring as world heavyweight boxing champion. The 37-year-old fighter said, “Everything gets old, and you can’t go on like years ago.” The “float like a butterfly, sting like a bee” act was no more.
    1980-Billy Joel is awarded a Gold Ticket for performing in front of 100,000 fans at New York's Madison Square Garden. Crowds flocked to see the piano man sing the tunes from his "Glass Houses" album, which currently sits atop the Billboard Hot 200.
    1984---Top Hits
The Reflex - Duran Duran
Dancing in the Dark - Bruce Springsteen
Self Control - Laura Branigan
When We Make Love – Alabama
    1987 - “Just the facts, ma’am. Thank you.” "Dragnet", starring Dan Aykroyd in the Jack Webb role of Sgt. Joe Friday; and Tom Hanks in the Harry Morgan role of detective Stribeck, opened around the U.S. The movie became the first Hollywood film to feature a "condom-conscious" bedroom scene ... just right for the social mores of the 1980s. "Dragnet" was a smash theatrical hit, as it had been on radio and TV in the 1940s and 1950s. “This is the city...”
    1987 - Afternoon highs of 97 degrees at Miami, FL, 107 degrees at Medford, OR, and 111 degrees at Redding CA were new records for the date. It was the third of six straight days of record heat for Miami. Thunderstorms produced wind gusts to 70 mph at Austin, and gusts to 75 mph at Tulsa OK.     1988 - Fifty-two cities in the central and eastern U.S. reported record high temperatures for the date. Highs of 100 degrees at Erie, PA, and 104 degrees at Cleveland OH established all- time records for those two locations. Highs of 101 degrees at Flint, MI, 105 degrees at Chicago, IL, and 106 degrees at Fort Wayne, IN, equaled all-time records. Thunderstorms in Idaho produced wind gusts to 100 mph west of Bliss and north of Crouch, injuring 29 persons.
    1988---Top Hits
Dirty Diana- Michael Jackson
Foolish Beat- Debbie Gibson
The Flame- Cheap Trick
Make It Real- The Jets
    1989 - Tropical depression Allison, the remnants of what was earlier Cosme (a hurricane over the Pacific Ocean which dissipated as it crossed northern Mexico), began to spread heavy rain into southeast Texas and southwest Louisiana.
    1990 - "The Arizona Republic" reported it was 122 degrees in Phoenix, hot enough to cancel some flights at the airport.
    1990-In the case of Cruzan v Missouri, the Supreme Court, in a 5-4 ruling, upheld the constitutional right of a person whose wishes are clearly known to refuse life-sustaining medical treatment.
    1993- Bruce Springsteen was a surprise guest on David Letterman's final show as host of NBC's "Late Night." Letterman, after more than 11 years at NBC, began a similar show on CBS two months later. David Letterman was born in Indianapolis, Indiana, in 1947. From an early age, he aspired to host his own talk show. He became a stand-up comic and a wacky weatherman on a local TV station. After years on the stand-up comedy circuit, he made his first appearance on The Tonight Show in 1978 and served as the program's guest host 50 times. In 1980, Letterman had a short-lived morning variety show, The David Letterman Show, which won two Emmys.
He launched his popular late-night TV show in 1982. His offbeat humor and goofy stunts spoofed traditional talk shows. Antics like wearing a Velcro suit and throwing himself at a wall or tossing eggs into a giant electric fan, Letterman gained a large following, especially among college students. Regular features included his "Top Ten List," "Stupid Pet Tricks," and tours of the neighborhood. He also frequently wandered with his camera into other NBC shows in progress. Over more than 11 years, the show won five Emmys and 35 nominations.When Carson announced his retirement in 1992, Letterman and rival comic Jay Leno engaged in a heated battle for the coveted host slot. When Letterman was passed over, he left NBC for CBS, where his new program, Late Show, outperformed Leno's show almost every week in its first year. However, Leno pulled ahead the following year and maintained a strong lead. Letterman underwent emergency heart surgery in 2000 and was off the show for five weeks. He is back on, funny than ever, and that’s where we get “Will it Float or Will it Sink?”
    1993—Top Hits
That s The Way Love Goes, Janet Jackson
Weak- SWV
Knockin Da Boots- H-Town
Freak Me- Silk
    1993- John Dean begins testimony before Senate Watergate Committee, perhaps the turn in the hearings as “Deep Throat” begins to talk to two reporters at the Washington Post.
    1996-A truck bomb exploded near Dhahran, Saudi Arabia, killing 19 American military personnel and wounding more than 300 people. Bombed was an apartment complex that housed about 2500 Americans. The CIA stated there were no solid clues about the identity of the perpetrators.
    1996- American Airlines announced its Internet ticket purchasing system was ready for prime time. The airline also said it would introduce ticketless travel in September, “freeing its customers from worry about losing their airline tickets.” Eventually ticket agents would lose their minor commission, too, as the airlines learned they could oversell airplane seats easier via the computer.
    1997-The National Hockey League announced that it had granted expansion franchises to four cities: Nashville(to begin play in 1998-99), Atlanta(1999-2000), Minneapollis-St. Paul and Columbus(both 2000-2001). The Nashville team chose the nickname Predators. Atlanta, the Thrashers, the Twin Cities as the Minnesota Wild and Columbus as the Blue Jackets. At the same time, the league’s Board of Governors approved the move of the Hartford Whalers to North Carolina where they became known as the Hurricanes.
    1998—Top Hits
The Boy Is Mine- Brandy
You re Still The One- Shania Twain
Too Close- Next
My All- Mariah Carey
    1998 - Windows 98 was released. Microsoft used the slogan, “Works better. Plays better.” The company said the new operating system would bring an “increased computer experience by providing a rich feature set for a wider variety of users than ever before.”
    1999 - The San Antonio Spurs earned their first NBA (National Basketball Association) title in their 26-year history by beating the New York Knicks 78-to-77. That gave the Spurs the series 4 games to 1.
    2002—Top Hits
Hot In Herre-Nelly
Without Me,-Eminem
Foolish- Ashanti
I Need A Girl (Part One)- P. Diddy Featuring Usher & Loon
    2004-Eric Clapton raised about $7.5 million for a drug addiction center he set up in the Caribbean by auctioning off some more of his favorite guitars. The items that were sold were the "Blackie" Stratocaster that Clapton played from 1970-1985 for $1 million, a 1964 cherry-red Gibson for $847,000 and a 1939 Martin acoustic that Clapton played on his "Unplugged" album went for $800,000.
    2009 - Michael Jackson died at the age of 50 after suffering heart failure at his home in Beverly Hills. He earned the title of "The King of Pop" by collecting 13 Grammy Awards and 13 US number one singles. Jackson's death triggered an outpouring of grief by music fans around the world, creating unprecedented surges of Internet traffic and causing sales of his music and that of the Jackson 5 to increase dramatically. Michael had been scheduled to perform his 'This Is It' concert series to over one million people at London's O2 arena from July 13, 2009 to March 6, 2010.

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