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Friday, June 28, 2013
Today's Equipment Leasing Headlines
Archives---June 28, 2000
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Archives---June 28, 2000
October 9-13, 2000 Training for Success from The Manifest Group
A comprehensive 4 day Sales Training Seminar designed for the NEW Leasing Professional!
Cost is $850.00 per person or $800.00 per person for two or more attendees. Cost covers food, lodging, materials, and a NEW HP 17B calculator. Airfare to Minneapolis is not included.
For more information contact Jim Stekl or Deb Schnaible at 800-325-2236.
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Mortgage rates soar to 4.46%
Perhaps a sign of rate increases in other sectors, Freddie Mac reported that rates on 30-year, fixed rate home loans spiked 0.53 percent to an average of 4.46% for the week.
In May, the 30 year loan rate was 3.35%.
15 year loan rates, more popular with those who refinance their mortgages, is now at 3.5%, almost a half point higher. It also may be a sign that refinancing of higher mortgage is slowing down, while many say you better do it now, as rates are going up.
Pending home sales were up 12.1% compared to last year and new home sales also were up; as well in many areas both home sales have seen increases as well as rent even higher. It may be the Fed is “right on” noting changes are ahead as well as taking some minor turns today.
Weekly national mortgage survey
"Rates started climbing slowly in mid-May on speculation that the Federal Reserve was preparing to trim the $85 billion-per-month bond purchase program that has long kept a lid on rates. When the Federal Open Market Committee wrapped up its meeting last week, many observers expected the Fed to calm the markets. Instead, the Fed did the opposite.
"Mortgage rates shot up once Federal Reserve Chairman Ben Bernanke told reporters that the Fed plans to slow the bond purchases this year and end the program in mid-2014, as long as the economy continues to improve. Even analysts who follow rates closely were shocked at how quickly rates have jumped since then."
GoBank Goes Live
Similar to Dwolla, GoBank is faster and is advertised as having a "bank in your hand." It may be similar to Dwolla who accepts funds and then waits for a three to five days before recognizing, as well as in sending, waits. The GoBank terms of service state they may wait 10 days before crediting a deposit, but they state making payments is fast once credited. There are also direct deposits accepted.
The web site also states:
"Transfer Money from Another Bank (ACH) – This process varies from bank to bank, but typically, here’s what the process looks like:
"Each bank will have different requirements for verification and timing for making the transfer. Your bank may also charge a fee.
"Deposit Cash for Free – You can deposit cash for free at more than 3,900 Wal-Mart locations with Rapid Reload nationwide (not available in VT or WY). The cashier will swipe your GoBank card and add cash directly to your account. There's no charge for this, and the money will be available instantly. We allow between $20 (minimum) and $1,100 (maximum) per transaction. The maximum you can deposit in cash in one day is $2,500. Keep a look-out here for new cash deposit locations, which we'll be adding soon."
They also offer a low cost Visa Debit Card, ability to make deposits, a free ATM network, and fees are "simple."
Good news is they advertise they are a member of the FDIC.
Leasing Industry Help Wanted
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Joins Funder List ‘A’
A -Accepts Broker Business | B -Requires Broker be Licensed
Any deals we fund we do the credit review ourselves, document the deal ourselves, and hold the account internally for the duration of the lease. The broker can assist in negotiating the interest rate. We can pay referral fees to the broker, fund the deal ourselves letting the end-user pay a placement fee to the broker, or we can put some basis points on top of our rate for the broker.
Full Funder "A" List
Funders Looking for New Broker Business
Eleanor Baker was hired as Senior Credit Manager. "(She)...has over 25 years of experience in risk, credit, and assessment of collateral values specializing in motor vehicles and construction equipment.
Most recently, she was Credit Manager for Edson Financial, Inc., the captive finance company for Krystal Enterprises. Previously, Baker held management positions at Orix Financial Services, Inc., with approval authority of $1 million and assisted with collection of both construction and transportation portfolio."
Michael Chard joins EverBank Commercial Finance’s Office Products Team as Relationship Manager for the firm's Mountain States and Minnesota Region. "Mr. Chard has spent more than 23 years in the office equipment financing sector, with a breadth of experience in the leasing industry. Prior to his appointment as the Mountain States and Minnesota Relationship Manager for EverBank Commercial Finance, Chard served as regional sales manager for GE Capital....Chard also served with Marlin Financial Service Corp., as a national account manager for the western region and as a regional sales manager for Key Equipment Finance for seven years, supervising seven different regions. In addition, Chard has held multiple board positions, having founded Inet Holdings Inc., and later Image Systems, LP. "
Robert Filaski appointed Vice President and Managing Director of the Healthcare Practice, ePlus, working out of the New York City office. Previously he was vice president of sales & marketing, Peoples United Bank, (July, 2010-President), svp of sales & marketing ,HCS & CapFit (January, 2006-Present), v.p. sales & marketing (Siemens Medical Financial services (September, 1997-April, 20060, svp of sales & marketing, Marie Albert (October, 1995-September, 1997), district sales manager (lucent Product Finance (1995-1997), director of sales, ADP Credit Corporation (September, 1988-August, 1995), district sales manager, U.S. Leasing (July, 1986-July, 1988), client service manager, Dun & Bradstreet (June, 1984-July, 1986), national account representative, Xerox Corporation (May,1984-June, 1984).Allegheny College BA, Political Science (1978 – 1982).Who's Who in America, 2010.Siemens Management Award (Tops+) 3 Time Recipient. ADP Crystal Award for Management 3 time Recipient. ADP 8 time Presidents Club Award Winner' Xerox 2 time Presidents Club Award Winner.
Darrick Holt named business development officer for Fleet Financing Resources, Riverside, California. Previously he was outside sales agent, National merchants association (August, 2012-Present), sales consultant, CarMax (July,2011-August, 2012), federal work study, California College San Diego Avid tutor, Temecula valley Unified School District (August, 2009-Augunst, 2010), freshman baseball coach, Temecula Valley Unified School District (February, 2008_June, 2008) .Stevens-Henager College-Murray, B.S, Business Administration (2010 – 2012). Activities and Societies: -Student Ambassador -Dean's List.
Glenn R. Mason appointed senior vice president at Berkshire Bank, Pittsfield, Massachusetts, new equipment leasing group. "Mason has 25+ years of experience in all aspects of middle market equipment leasing. He previously established, and served as president of First Litchfield Leasing Corporation from 2006 to 2012. Prior to that, he was senior vice president of TD Equipment Leasing. Mason holds a B.S. in finance from the University of Maine."
Joe Mazzoni named west coast sales manager for Key Equipment Finance, Superior, Colorado. "Prior to joining Key Equipment Finance, Mazzoni was western region manager for Hewlett Packard Financial Services, which followed a position as president and CEO of North American Funding. Previously, he served as vice president of sales and marketing for ManDahl Corporation in San Francisco, and as western regional vice president of sales for Datronic Corporation. University of Oregon BS, Finance (1981 – 1984).www.linkedin.com/pub/joe-mazzoni/8/2b3/182
Linda Parady appointed Vice President-Operations for Berkshire Bank, Pittsfield, Massachusetts, new equipment leasing group. Previously she was vice president, Union Savings Bank, CT (May, 2012-Present), vice president, First Litchfield Leasing Corporation (November, 2006-April, 2012)., vice president, Business Lenders (July, 2005-November, 2006), business analyst-international finance dept. (UPS Capital corporation, May, 2003-July, 2005), asst. vice president, Finova Capital Corporation (October, 1998-April, 2001), asst. vice president, New England Capital Corporation (188-1998).Post University, BS, Management (1975 – 1977).
John Reilly named Vice President of the Western Region for ePlus, working out of the Sunnyvale, California office. Previously he was an independent trader (March, 1998-Present), equipment leasing, independent contractor, Merrimak Capital (1998-2010), senior account manager, GE Capital Computer Leasing (1995-1997), director/technology management services, GE Capital Computer Leasing (1994-1995), senior account executive, Chrysler Systems Leasing (1989-1994), account executive, telecommunications vertical market specialist (CIS Corporation (1987-1989). University of San Francisco, BA, Political Science and International Government.
Jeff Schubert was named regional leasing manager for element Financial corporation (formerly CoActive Capital Partners), working out of the Greater Atlanta Area. Previously he was president and owner American Bank Leasing Corp (July, 2002-June, 2012), executive vice president/owner, bulldog Asset Management (November, 2007-June, 2011), vice president, division manager, CitiCapital (July, 2001-June, 2002), vice president, division manager, American Equipment Leasing (January, 2000-July, 2001), vice president, syndications manager, Lease Plan USA (July, 1995-December, 2000), vice president, syndications manager, lease Plan USA (July, 1995-December, 2000), regional leasing manager, Eastman Kodak Credit Corporation (January, 1992-July, 2995), multiple positions: sales, sales management, marketing staff, credit manager, leasing manager (Eastman Kodak Company (1981-1992).Boston University - School of Management, BSBA, Concentration in Marketing (1977 – 1981) Graduated Magna Cum Laude University of Lancaster (UK), Junior Year Abroad Program, Marketing (1979 –1980). www.linkedin.com/in/jeffschubert
Auto lending still a favorite for US banks
Auto lending continues to advance in 2013, picking up on momentum gathered last year, and analysts anticipate that demand for such credit will remain strong in tandem with demand for new cars and trucks.
The average age of U.S. cars and trucks has hovered near 11 years over the past couple years, according to the Polk auto research firm, making for the oldest stock of autos on the nation's roads on record. This was fed by the fact that would-be buyers shied away from auto purchases in the wake of the 2008 recession, preferring to put more miles on their used vehicles amid concerns about the job market and hits to personal wealth from slumping housing markets.
But as the economy has recovered and confidence has gradually returned, more buyers have returned to the market and capitalized on historically low interest rates to drive up sales and loan demand. An SNL Financial analysis found that aggregate auto loans at U.S. commercial banks have climbed every quarter since the beginning of 2011, reaching $306.67 billion at the close of the first quarter of this year.
"The cars on the road today are the oldest they've ever been, so we're seeing that inventory needing to be replaced at the same time that the economy is healing, so there is a bullish long-term view on autos," Jefferson Harralson, a bank analyst at Keefe Bruyette & Woods Inc., told SNL.
Harralson also pointed out that, while residential real estate and other asset classes were badly bruised in the wake of the last recession, auto loans held up relatively well for many banks in terms of their credit performance. "And that makes autos a class that banks want to continue to lend to," he said. "The loans hold up and they are relatively short in duration" — limiting risk tied to shifts in interest rates — "so it's almost a perfect asset class."
What's more, SNL data show, interest rates on auto loans have come down substantially over the past two years, making loans appealing to customers and helping to fuel demand.
All of that noted, Harralson said, "the bad news about being the perfect asset class is that everyone wants in and pricing gets very competitive."
Indeed, in recent conference presentations, bankers have cited pricing as an issue important to track.
"Competition continues to be very strong, due to the attractive credit and duration profile of the paper," Fifth Third Bancorp Treasurer Tayfun Tuzun, for one, said while speaking at a June conference.
Changes to the regulatory framework could also complicate matters for lenders.
The fledgling Consumer Financial Protection Bureau, created in the aftermath of the financial crisis of the past decade to help guard against predatory lending, is looking to ensure auto dealers, who often act as brokers between customers and lenders, are not taking advantage of car buyers.
The CFPB is targeting the so-called dealer reserve, which is the difference between the rate a bank will quote on a loan and the quote that the dealer provides the customer. The dealer keeps the difference and pads the income it makes on an auto sale. The CFPB has said that, since it cannot directly regulate dealers, it intends to put the onus on banks to ensure that fair lending rules are not violated during this process.
"And so what we did in response — and a couple other banks have done similar things — is we've narrowed the possible gap in that discretion that the dealer has," U.S. Bancorp CFO Andrew Cecere said at a conference this month. "So we compressed their ability — they still have some room, but it's less than it used to be. … [W]hen the CFPB came out with its guidance, we were quick to react to try to limit that fair-lending issue."
So far, Cecere said, dealers have responded favorably and loan volumes have held steady. But time will tell if dealers migrate toward other lenders that are not quick to react to the CFPB's guidance.
Separately, there is the matter of the Federal Reserve signaling that it could begin to pull back on its quantitative easing efforts as soon as the second half of this year as the economy continues to improve. This could lead to higher interest rates. Already, some rates have climbed in recent weeks in anticipation of this. Over time, higher rates could crimp auto loan demand, particularly if rates climb fast, analysts say.
But in the short term, Harralson said the higher rate possibility might actually lead to a surge in sales, as consumers may see reason to rush out this summer to buy before rates shoot up.
J.D. Power and LMC Automotive estimated that June sales will hit a seasonally adjusted annualized rate of 15.7 million, according to a Reuters report. That would be a 7.6% increase from a year earlier and mark the highest level since the final month of 2007.
Against that evolving backdrop, most major auto lenders are optimistic.
"One of the primary drivers of consumer lending growth nationwide has been auto lending," SunTrust Banks Inc. CFO Aleem Gillani said while presenting at a June conference. "And we certainly have seen this trend in our own auto portfolio."
"Just What is an "Alternative Dispute Resolution?"
Everyone’s heard about it, many people have strong opinions about it, some people have actually used it, but no one seems to understand exactly what it is. I’m talking about ADR – Alternative Dispute Resolution. This is the blanket term used for mediation, arbitration, and a few other things you may have heard of. In a nutshell, these are methods for dealing with problems and disputes in leases or transactions without going to court. Hence the name “alternative”; they are alternatives to litigation, or lawsuits and courtrooms.
In general, ADR comprises two ways of dealing with disputes outside the courtroom. One is arbitration, which is pretty well understood by most leasing folks. In this process, a neutral third person (the arbitrator) is selected by the disputing parties to hold a hearing, to hear the respective claims or defenses of the parties, to review the evidence presented by them, and to make a ruling about who owes what to whom. You can think of an arbitrator as something like a private judge; a neutral and objective person who hears all the facts and evidence and makes a ruling.
Arbitration is a creation of the contract between the parties. Everything that happens in arbitration is controlled by the “arbitration clause” in the lease or other agreement, including how the arbitrator is selected, what rules are followed regarding evidence, and all the other details. The arbitration clause can be only one sentence long, or it can run to pages. The important thing to know is that the parties themselves control the entire process; they make their own rules for the arbitration (or they incorporate existing rules, such as those from the National Arbitration Forum or the American Arbitration Association).
One other thing to remember about arbitration (and one that is frequently misunderstood) is that arbitration can be binding or non-binding, and an arbitration ruling can be appealable or not appealable, all as decided ahead of time by the parties themselves. You may hear people complain that they don’t like arbitration because the arbitrator’s ruling is final and non-appealable; so, if they lose, they’re stuck. But that is only the case if the parties agree to that ahead of time. There are many contracts and arbitration clauses under which an arbitration ruling is non-binding (advisory in nature, or binding only as to certain issues). Actually, the beauty of arbitration is that it can be crafted to whatever the parties desire it to be; they simply need to specify in the arbitration clause how they want it to work.
Then what about mediation? How does that work? Well, it seems that mediation is even more misunderstood than arbitration. Mediation is not like an arbitration (or a trial) at all. The mediator, who is a neutral person selected mutually by the parties, does not make any ruling, does not make any award, does not hear evidence and testimony, and does not decide who’s right and who’s wrong. Rather, the purpose of the mediator (and the mediation) is simply to talk about the dispute with the parties and to see if there is some way to work out a settlement of the problem. The mediator sometimes meets with everyone together and sometimes meets with the parties alone, in separate rooms, so that everyone can express their view of the matter and talk candidly about what they want out of the deal.
In all cases, everything that everyone says is completely confidential. Here in California, where I practice, and in many other states the confidentiality of mediations is built right into the state law. No one can use anything said during mediation as evidence later, and no one can require the mediator to testify about what was said during the mediation. So nothing you say in trying to settle the dispute in mediation can be used against you later, if you’re not able to settle and you go on to arbitration or litigation.
What’s most important (and most often misunderstood) is that, by definition and by nature, a mediation is never binding. It cannot be. The mediator cannot make any kind of ruling or award, binding or otherwise, and the parties don’t have to agree to anything they don’t want to. The mediator is there simply as a facilitator of the parties’ discussions, not as a decision maker.
The only binding thing that can come out of mediation is a settlement that all parties agree on. If there is not a mutually acceptable settlement and a final agreement among all parties (which, once signed, is of course binding, just like any contract), then the mediation is finished and everyone ends up right where they started. They haven’t given away any rights or benefits (thanks to the confidentiality rules), and they are free to pursue whatever other avenues they choose in connection with the dispute.
It’s not unusual for mediation to take place before an arbitration or a trial. That’s when it is most likely to help. It gives the parties a chance to see if they can work something out with each other without giving anything away or committing to a binding procedure, and before they spend a lot of money, time, and heartburn on a trial. That’s why mediation is such a useful and important tool in dispute resolution; and it should be seriously considered by any leasing company or lender faced with a legal or contractual dispute.
ADR, whether as arbitration, mediation, or some other non-judicial method of dealing with business disputes, is worth knowing more about and making a part of every company’s arsenal of problem solving approaches.
((Please click on ad to learn more))
Leasing News Advisor
Ed joined the Leasing News Advisory Board on February 4, 2004. His contributions have been centered not only on his knowledge of leasing companies or their “assets,” but his design, understanding, and informational coordination on the World Wide Web.
Edward Castagna, CEO
Over 25 years ago, used equipment dealers and mechanics taught him what to look for and which questions to ask when evaluating machinery and equipment for resale. Since then, he's honed his appraisal skills through hands on experience and continuing education. InPlace Auction's appraisals contain insightful and common sense values delivered professionally. He has been an expert witness with a 100% rate of success in courtroom defense of challenged value. He has been retained as the face-to-face contact with defaulting business owners by a variety of Fortune 100 creditors, relying on his tact, expertise, and determination to resolve uncomfortable and potentially dangerous situations.
Ed has been trusted and charged with the difficult task of liquidating distressed companies to the bare walls. He's helped turn off the lights of thousands of companies in industries as varied as television, manufacturing, transportation, medical, municipal, financial, textile, automotive and commercial real estate just to name a few. "It's my responsibility to treat everyone with respect, regardless of their circumstances. That's how I've been able to successfully and peacefully defuse even the most precarious of situations. I know exactly how to resolve most situations, but also know when it's time to walk away and return promptly with a court order and appropriate authorities."
An early adopter of web based technology in 1988, he was the first in the industry to create a high volume internet enhanced recovery, remarketing and reporting web based service. He is now applying this experience in conjunction with the latest technology to the auction business and currently holds live and on line auctions. His latest auctions sold Intellectual Property, Real Estate, Machinery, & Building materials
He earned a B.A. in Psychology from Syracuse University, and is a graduate of the Mendenhall School of Auctioneering. He has been educated in appraisal procedure and ethics by The American Society Of Appraisers. Ed served on the Equipment Leasing and Finance Association (ELFA) Board of Directors from 2006-2009 representing its service provider members; is on the service providers business council of the ELFA; is a member of the fair Business Practices Committee.
He is one of the founding members, and serves as the current President, of the Tender Loving Care Foundation (www.tenderlc.com); is an advisory board member to South Bronx Education Foundation (www.sbef.org) and most recently was tapped to join the board of directors of the Stewart Fund. He is also a Steward of St. Brigid's R.C. Church (www.saintbrigid.net) and he says his favorite place to be is anywhere with his wife Jeanine and their two boys.
##### Press Release ############################
IDS Announces Release of InfoLease®10 Featuring New Advances in Technology, Usability and Reporting
Minneapolis, MN — International Decision Systems (IDS), the leading provider of equipment and asset finance software, today announced the release of InfoLease 10, which combines a new open architecture with best-in-class InfoLease functionality that is trusted by customers worldwide to manage their mission-critical portfolios.
InfoLease 10 features:
Michael Campbell, CEO
“I am thrilled to announce the release of InfoLease 10, our flagship solution,” said Michael Campbell, CEO of IDS. “We retained InfoLease’s wealth of functionality while enhancing its world-class usability and scalability to support the rapidly evolving business and regulatory environment of equipment finance. The revolutionary improvements in InfoLease 10 will enable customers to conduct business more efficiently and profitably than ever.”
Pictured below is the new InfoLease 10 home page.
The new design was developed through extensive research and customer involvement for a highly intuitive user-centered design.
InfoLease 10 provides business users with greater ease-of-use and simplifies access to data so leases and loans can be managed more efficiently and organizations can achieve a higher return-on-investment. New InfoLease 10 business intelligence and reporting tools enable the presentation of data from simple ad-hoc queries to sophisticated cross-platform analysis.
InfoLease 10 is even more powerful when used in conjunction with the IDS Rapport® origination solution. InfoLease 10 and Rapport together provide companies with a full lifecycle software solution capable of handling all lease and loan management needs from application origination through asset disposition or loan maturity.
“Every customer makes unique use of InfoLease,” said Campbell. “InfoLease 10 is architected to preserve the vast majority of customizations and integrations that our customers have invested in over the years. IDS has also developed comprehensive upgrade-specific tools and services as an essential part of the upgrade path to help minimize customer expense and risk.”
IDS plans to showcase InfoLease 10 and Rapport this fall at its annual ConnectionPoint user conference October 9-11, 2013 in Minneapolis, MN, and during the Equipment Leasing & Finance Association (ELFA) Annual Conference October 20-22, 2013 in Orlando, FL.
#### Press Release #############################
Fast-paced thrills (“World War Z”) and clever animation (“Monsters University”) come to theaters, while DVD releases offer comedy (“The Incredible Burt Wonderstone”), documentary (“56 Up”), and classic sci-fi (“Things to Come”).
World War Z (Paramount Pictures): Brad Pitt teams up with director Marc Forster (“Monster’s Ball”) for this highly-anticipated, action-packed blockbuster. Pitt stars as Gerry Lane, a retired United Nations operative who finds himself in a nightmare scenario when the world is suddenly in the grip of a surge of zombie creatures. As order crumbles in every corner of the planet, Gerry must protect his family as they make their way out of the dangerous zones, with the ghouls constantly snapping not far behind them. Though zombie movies have a long and distinguished tradition of gore, Forster instead opts for suspense over blood, serving up a global apocalypse that’s long on kinetic thrills rather than gruesome spills. The result is a rollicking, smart summer rollercoaster ride with equal elements of action and horror.
Monsters University (Walt Disney Motion Pictures): The characters from Pixar’s 2001 hit “Monsters Inc.” return in this very enjoyable prequel, directed by Dan Scanlon. Taking place in the earlier film’s same alternative reality of animated beasties, the plot rewinds several years to reveal the origins of the friendship between one-eyed Mike (voiced by Billy Crystal) and furry behemoth Sullivan (John Goodman). Back in their younger days, Mike is a bookish freshman and Sullivan is a sluggish jock making their way through classes in order to find jobs scaring children in dreams. Though their differences hardly make them friends at first sight, the twosome soon realize they have to help each other to sidestep the school’s stuffy dean (Helen Mirren). Stuffed with clever gags and lovable characters, this is another Pixar homerun for all audiences.
The Incredible Burt Wonderstone (Warner Bros.): Ten years after "Bruce Almighty," Steve Carrell and Jim Carrey team up again for this lightweight comedy about rivalry among professional magicians. Carrell stars as the titular Burt Wonderstone, who with his friend Anton Marvelton (Steve Buscemi) dazzles Las Vegas audiences with conjuring tricks. Their success, however, is threatened when the daring stunts of an eager street magician named Steve Gray (Carrey) make them look increasingly stale. Things look grim for Burt and Anton, until they meet Rance Holloway (Alan Arkin), the old-school illusionist who first introduced them to the thrills of magic. Directed by TV veteran Don Scardino, the film is an affable affair that benefits greatly from the likable personalities of its zany cast members.
56 Up (First Run Pictures): Back in 1964, filmmaker Michael Apted embarked on an unique cinematic project: To follow the lives of an assorted group of British people, interviewing them once every seven years to see how their lives and dreams have been shaped by their class and surroundings. Seven documentaries later and here we are with these former children now past middle-age, looking back in nostalgia and ahead in hope as Apted catches up with them. Among the subjects is Sue, now a cheerful legal faculty administrator; insecure Paul, living in Australia with his wife and grandchildren; Neil, who was last seen as a homeless person but is now involved in politics; and Peter, who'd skipped the last couple episodes but now returns with a band to plug. Continuing his remarkable experiment, Apted serves up an inspired, humanistic portrait the way only the best documentaries can.
Things to Come (Criterion): Science-fiction buffs will definitely want to check out this striking, unfairly forgotten 1936 British classic, an adaptation of a futuristic novel by the legendary H.G. Wells. Taking place over a period of 100 years, the story envisions a future in which civilization must struggle for its own survival with dangers like wars and plagues. A close encounter with space visitors leads the human race to rise from the ashes and construct a new world, culminating in a trip to the moon. Directed by legendary set designer William Cameron Menzies ("Gone With the Wind") and featuring charming early special effects and a cast that includes Raymond Massey and Ralph Richardson, this is a fascinating sci-fi vision that would make an intriguing double-bill with Fritz Lang's "Metropolis."
Leasing Industry Outsourcing
Collector / Collections / Consultant / Communications
Border Collie/Labrador Retriever Mix
Popo, JoJo, Po
Age: 5 months, 15 days
More about Sir Pontiff PoPo Joe
Good with Dogs, Good with Cats, Good with Kids, Good with Adults, Somewhat vocal, Does Good in the Car, Does not require a yard, Likes to play with toys, Playful, Affectionate, Intelligent, Goofy
Good with Dogs: Yes
Good with Cats: He won’t kill them, but they’re in for a life time of surprise attacks!
Good with Kids: A little tentative, but warms up quickly.
Name/Nicknames: PoPo, JoJo, Po.
How did I get to ARLP: I was handed over from another rescue who needed help. I was rescued from the Red Lake reservation.
Hobbies: I’m good at barking and bossing bigger dogs around, I enjoy a relaxing bone chewing, and I’m a great help with the gardening with my skills as a hole digger. I also love to un-plant flowers
I love and excel at training sessions, I’m a really good worker! I rarely get distracted. I appreciate nap-time though I need reminding that its time to rest. I love to drink water, it’s so delicious. And finally, I love lazy afternoons on the guest bed lounging in front of the open window and watching the world go by.
Tricks/Commands: Well I’m still learning, but heel and front came really easy for me, as well as sit. Down is still a little clumsy.
Crate Trained: I like going into my kennel, but there is a limit to my patience as to how long you want me to stay on there. When your home, its time to let me out!
Potty Trained: YES! Though I have been known to mess up and go in the house when it’s raining.
Size in pounds: 31
Activity Level: I’m fairly active. I’m young for god’s sakes!
Fun things I do: See hobby’s. I have a sneaking suspicion I’d be a good swimmer, but this spring has been a chilly and wet one so who has had the time to find out! I love chasing soft squishy balls inside and out. (they’re soft so it’s okay to play inside with them) and though it can come out of the blue, I LOVE jumping! And high! Really HIGH!
General information requests: firstname.lastname@example.org
You can leave us a voicemail message at 651.649.4451, but this is a voicemail-only number and is never answered by a human being. The fastest way to reach us is by e-mail.
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WHEN THE YANKEES WIN
WHEN THE YANKEES WIN IT'S PURE DELIGHT,
I CAN SIT IN TRAFFIC ULCER-FREE
I'VE A QUICKER STEP I'VE A BROADER GRIN
ELOQUENT I WAX, CLEVERLY I PUN
AND WHEN THE RED AND WHITE SOX SLIP,
AND PRIDE AS I REFLECT THEIR GLORY,
JOYFULLY I'M GIVING THANKS
AND WHEN AND IF THEY'RE CLEARED BY JETER
RICH THE COFFEE CRISP THE BAGEL
HOW MY FORTUNES RISE AND FALL
GOODEN, JUSTICE, JORGE, ROCKET,
EL DUQUE, MARIANO, HILL,
HOW LIGHT THAT HEART, HOW FREE OF CARES
NO NEED FOR THEM TO WIN EACH DAY,
Carol P, Yankee Poet Laureate (self-proclaimed)
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