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Leasing News is a web site that posts information, news, and
entertainment for the commercial bank, finance and leasing industry

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Attention California Finance Lenders
Filing is Only “On Line” and You Must Register First

If you file an annual report with the California Department of Business Oversight (California Finance Lenders License) be aware it is only "on line" this year and you first must register to obtain an "on line" account.

It takes up to 5 days to create the account and be notified, so do this today to make the deadline.

Information Here

To Register, here:

The notice states:
"The deadline to submit the report is March 15, 2015, and no extensions will be granted. Licensees who have not registered through DOCQNET should do so immediately here to avoid missing the filing deadline. Licensees with questions should call (213) 576-7690"

It is suggested if you think you will be late, to call the number above



Friday, March 6, 2015

Today's Equipment Leasing Headlines

Ralph Mango Hit by Computer File "Kidnapper"
  Wants 2.69 Bitcoins, equal to $800 as Ransom
   Classified Ads---Sales
Failed banks, class of 2015
  SNL Financial Feature
Federal Reserve System Bank Stress Test Results
Improvement Hypothetical Stress from 8.2% to 11.9%
 Leasing Industry Ads---Help Wanted
  New Hires---Promotions in the Leasing Industry
Beige Book Reports “Economy Continues to Expand”
Academy for Lease and Finance Professionals
   New at Certified Lease & Finance Foundation
Marty Robins to Speak on Bank Lending Legal Issues
  March 17, Deerfield, Illinois
Leasing News Advisor
Ginny Young
 Map to the Stars/Wild Tales
  John Wick/Beyond the Lights/Starred Up
   Film/DVD Reviews by Leasing News Fernando Croce
    Labrador Retriever Mix
     Fairfax, Virginia  Adopt-a-Dog
News Briefs---
Leasing scammer Jeff Maricle going to prison
 Apple Pay fraud 'rampant' says payments expert
  Bank of Canada holds interest rate at 0.75%
   China’s Financial Leasing Industry: Safe in the Arms of Banks

Broker/Funder/Industry Lists | Features (writer's columns)
Top Ten Stories Chosen by Readers | Top Stories last six months (Be Careful of Doing Business)
Leasing News Icon for Android Mobile Device

You May have Missed---
   SparkPeople--Live Healthier and Longer
    Sports Briefs---
      California Nuts Brief---
       "Gimme that Wine"    
          This Day in American History
           Daily Puzzle
               Weather, USA or specific area
                 Traffic Live----

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

Please send Leasing News to a colleague and ask them to join
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Ralph Mango Hit by Computer File "Kidnapper"
Wants 2.69 Bitcoins, equal to $800 as Ransom

Ralph Mango, who serves as Associate Editor for Leasing News, was hit by a hacker who stole his files and wants a ransom to send them back to him.

"Early yesterday, a virus disguised as an email purporting that I had received a voicemail, captured all my Outlook archives and Data Files, five year’s work.  It even got to some backup directories before IT was able to choke it off.

"It is called ransomware and it holds those files hostage.  If you want to pay the ransom it takes you to a site that ID’d the ransom as 2.69 Bitcoins, equal to about $800.

"We researched it and they have ‘earned’ over $30MM in 100 days, and have captured police, DA, government and other sensitive files that make it easier to pay the ransom.

"The email carries a title of 'Microsoft voicemail' and looks quite legitimate.  When I opened it, it contained a phone # and the company email address of someone who left the company months ago.  The download link is what I should have hovered over first because it would have revealed the ruse.

"Be careful…this is pretty damned clever."

It is a very good idea to back up your computer and/or laptop. Mine is set to back-up everything every two hours. Of course, you have to individually re-load most of your operating programs should you have a disc failure or files stolen, but you will not lose the data stored. You can get a WD Bank 2TB pretty cheap from Amazon and elsewhere, or store to the cloud.
  - Kit Menkin




Classified Ads---Sales

(These ads are “free” to those seeking employment or looking
to improve their position)

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Free Posting for those seeking employment in Leasing

All “free” categories “job wanted” ads:



Failed banks, class of 2015
  SNL Financial Feature
By Daniel M. Burkard and Zuhaib Gull

The Office of the Commissioner of Financial Institutions of Puerto Rico closed San Juan, Puerto Rico-based Doral Bank on Feb. 27, making the bank the fourth FDIC-insured institution to fail in 2015.

With $5.90 billion in total assets as of Dec. 31, 2014, Doral Bank is the largest U.S. bank by assets to fail since Mayaguez, Puerto Rico-based Westernbank Puerto Rico failed in April 2010. Doral Bank is also the first bank failure in Puerto Rico since Westernbank Puerto Rico, and San Juan-based R-G Premier Bank of Puerto Rico and Eurobank all failed on April 30, 2010.

San Juan-based Banco Popular de Puerto Rico, a unit of Popular Inc., entered into a purchase and assumption agreement with the FDIC to acquire the banking operations of Doral Bank. As part of the transaction with the FDIC, Banco Popular de Puerto Rico agreed to purchase $3.25 billion of Doral Bank's assets. It also agreed to pay the FDIC a 1.59% premium for the right to assume Doral Bank's deposits.

The FDIC entered into two separate agreements to sell $1.3 billion of Doral Bank's assets to other parties. Those sales are expected to close in 30 days, and the FDIC will retain the remaining assets for later disposition.

Banco Popular de Puerto Rico will operate eight of Doral Bank's 26 branches and entered into separate agreements with three banks to acquire the remaining locations. Popular's New York-based unit, Banco Popular North America, assumed approximately $1.3 billion in deposits in three New York Doral Bank branches and acquired about $931 million in performing commercial loans primarily in the New York metropolitan area. First BanCorp.'s FirstBank Puerto Rico acquired 10 Doral Bank branches in Puerto Rico with approximately $600 million in deposits and $300 million in residential loans, while Home BancShares Inc. unit Centennial Bank acquired five Doral Bank branches in Florida with about $466 million in deposits and $42 million in loans.

Leasing News:
Major Bank Failure in Puerto Rico, Including Mainland
 Deposit Insurance Fund Hit of $748.9 Million

Atlanta-based Capitol City Bank & Trust Co. ($272.3 million)

Established in 1994, Capitol City Bank & Trust operated eight branches at the time of its failure. The bank had been under pressure for a while, recording a loss in 13 of its previous 14 quarters. Over 80% of the banks total loans were in nonfarm/nonresidential commercial real estate as of Dec. 31, 2014. Among these loans, $16.4 million or 10.63% were 30 or more days past due or nonaccruing. The delinquent commercial real estate loans accounted for over 75% of the bank's total delinquent loans.

Leasing News:
Second Black Bank Closes this Year
Financial Difficulties Coming to Light

Chicago-based Highland Community Bank ($54.7 million)

Established in 1970, Highland Community Bank operated two branches at the time of its failure. As of Dec. 31, 2014, the bank held over 60% of its total loans in one- to four-family real estate and non-owner-occupied (nonfarm/nonresidential) commercial real estate. These two loans classes were the largest culprits in the bank's delinquent loans. Of its one- to four-family loans, 36.48% were 30 or more days past due or nonaccruing, and 39.64% of the non-owner-occupied CRE loans were 30 or more days past due or nonaccruing, as of Dec. 31, 2014. Combined, these loan classes made up approximately 77% of the bank's delinquent loans.

The bank was almost rescued in March 2013 when it reached a deal to be acquired by Generations Community Bancorp, only to see the deal eventually fall through in August later that year.

Leasing News:
 African-American Bank Closes in Chicago
From $11.8 Million Net Worth 2008 YE to $874,000 YE 2014

Crestview, Fla.-based First National Bank of Crestview ($73.8 million)

Established in 1956, First National Bank of Crestview operated three branches at the time of its failure. The bank was heavily invested in construction and development and commercial real estate, holding about 70% of its loan portfolio in these categories as of Sept. 30, 2014. At the end of the third quarter of 2014, 5.32% of First National Bank of Crestview's nonresidential construction loans were 30 or more days past due or nonaccruing, making up 27.83% of the bank's total past due and nonaccruing loans.

Tallahassee, Fla.-based First Commerce Credit Union on Aug. 4, 2014, announced plans to acquire First National Bank of Crestview. On Dec. 2, 2014, the Credit Union Times reported that the deal fell through.

Leasing News:
2015 First Bank Failure, a Zombie Bank in Florida






Federal Reserve System Bank Stress Test Results
Improvement Hypothetical Stress from 8.2% to 11.9%

The largest U.S.-based bank holding companies continue to build their capital levels and to strengthen their ability to lend to households and businesses during a period marked by severe recession and financial market volatility, according to the results of supervisory stress tests announced by the Federal Reserve on Thursday.

The most severe hypothetical scenario projects that loan losses at the 31 participating bank holding companies would total $340 billion during the nine quarters tested. The "severely adverse" scenario features a deep recession with the unemployment rate peaking at 10 percent, a decline in home prices of 25 percent, a stock market drop of nearly 60 percent, and a notable rise in market volatility. The 31 firms' aggregate tier 1 common capital ratio, which compares high-quality capital to risk-weighted assets, would fall from an actual 11.9 percent in the third quarter of 2014 to a minimum level of 8.2 percent in the hypothetical stress scenario. This hypothetical post-stress minimum is significantly higher than the 31 firms' aggregate tier 1 common capital ratio of 5.5 percent measured in the beginning of 2009.

Capital is important to banking organizations, the financial system, and the economy because it acts as a cushion to absorb losses and helps to ensure that losses are borne by shareholders, not taxpayers. The Federal Reserve's stress scenario estimates are the outcome of deliberately stringent and conservative assessments under hypothetical economic and financial market conditions. The results are not forecasts or expected outcomes.

Daniel K. Tarullo
Federal Reserve Governor

"Higher capital levels at large banks increase the resiliency of our financial system," Federal Reserve Governor Daniel K. Tarullo said. "Our supervisory stress tests are designed to ensure that these banks have enough capital that they could continue to lend to American businesses and households even in a severe economic downturn."

This is the fifth round of stress tests led by the Federal Reserve since 2009 and the third round required by the Dodd-Frank Act. The 31 firms tested represent more than 80 percent of domestic banking assets. The Federal Reserve uses its own independent projections of losses and incomes for each firm.

In addition to releasing results under the severely adverse hypothetical scenario, the Federal Reserve on Thursday also released results from the "adverse" scenario, which features a more moderate recession, but a rapid increase in short- and long-term interest rates. In this scenario, the aggregate tier 1 common capital ratio of all 31 firms would fall from an actual 11.9 percent in the third quarter of 2014 to the minimum level of 10.8 percent.

Test Results Report (152 pages)




Leasing Industry Ads---Help Wanted


Irvine, California

Resolve Customer Billing Issues
Reduce Receivable Delinquency

Click here for full description.
 Please send resume and cover letter to:
Quick Bridge Funding has the financial
products a business needs to grow!

For information on placing a help wanted ad, please click here: 

Please see our Job Wanted section for possible new employees.


New Hires---Promotions in the Leasing Industry

William H. “Bill” Besgen, President, COO and Director, was promoted to Vice Chairman of Hitachi Capital America, Norwalk, Connecticut. He will continue to serve as President, CEO and Board Director of Hitachi Capital America CC and board director for Canadian Leasing Enterprises. Mr. Besgen joined Hitachi in April, 1990 as Executive Vice President and Chief Operating Officer. His career began at Citicorp in 1969 where he worked for twenty-one years as a Vice President, having a number of senior management responsibilities, primarily in its various equipment finance/leasing businesses.  He is a member of the Board of Directors of Hitachi Capital America Corp.; The Inner-City Foundation for Charity & Education, Bridgeport, Conn.; and Shepherds Inc., Fairfield, Conn. He also is a trustee of St. John Parish, Darien, Conn., a member of The Order of Malta-American Association, Woodway Country Club, The Cornell Club of New York and The Metropolitan Museum of Art.  He is a graduate of Cornell University with a B.S. degree in economics in 1968 and an MBA in finance and marketing from the Johnson Graduate School of Management in 1969.

Ryan Collison will be promoted to President, COO and Board Director of Hitachi Capital America and will continue to be EVP & COO of Hitachi Capital Corporation. He joined the firm January, 2005, as SVP and CIO, promoted to SVP Credit and Operations, January, 2009. Prior, he was Director Sales and Marketing Systems, GE Commercial Finance (January, 2003 – April, 2005). Education: Bates College, Bachelor of Arts (B.A.), Math Economics. Columbia University,- Columbia Business School, MBA, Finance.

John D'Angelo was promoted to Program Manager at DLL, Wayne, Pennsylvania, November, 2014.  He joined the firm in 1999 as Operations Manager; promoted to Account Executive, 1998; January, 2007, Sales Manager and Account Executive. Education: Eastern University, Master, Business Administration (2008 – 2009). Widener University, Bachelor, Business Management (1988 – 1990).

Dave Drury promoted to President Cole Taylor Equipment Finance, Towson, Maryland, a subsidiary of MB Financial Bank, Chicago, Illinois. June, 2013, he joined the firm as Group Senior Vice President. Prior, he was Managing Director, Intermediary Funding, GE Capital, Corporate Finance (June, 2001 – June, 2013); Syndications Manager, Mellon US Leasing (June, 1999 – June, 2001); Relationship Manager, Bank of America Leasing (July, 1988 – June, 1999). Education: Duquesne University, MBA Program (1989 – 1991).
Penn State University, BS, Finance (1981 – 1985).

Ms. Terry Hatfield was promoted to EVP of Hitachi Capital America Corp. In addition to continuingas CFO, her responsibilities were expanded to include managing H.R. and IT functions for the company. She will also continue to be an EVP of Hitachi Capital Corporation. She started her career with the company as a trainee in 1991 and gained her CPA while working there. 2003, she was promoted to VP and Controller; April, 2008, SVP, Internal Control & Risk Management; January, 2009, Senior Vice President and CFO. Education: University of Connecticut, BS, Business (1985 – 1990).

Clark McGinn has been hired as Senior Vice President of Sales, Waypoint Leasing, Limerick, Ireland. Previously, he was Managing Director, CHC Leasing (Ireland) Limited, CHC Helicopter (February, 2011- March, 2015); Senior Director, The Royal Bank of Scotland (February, 1994 – February, 2011); Vice President, Bank of America (April, 1993 – February, 1998); Assistant Manager, Hill Samuel & Co., Limited (January, 1986 – April, 1989); Graduate Trainee, Lloyds Bank (September, 1983 – January, 1986); Certification: ACIB, Associate of the Chartered Institute of Bankers. IFS (April, 1986 – Present).
Honors & Awards: Fellowship, The Chartered Institute of Bankers in Scotland, 2009. Honorary Fellow, The University of Glasgow, 2013. Author: Education: The University of Glasgow, Doctor of Philosophy (PhD) in Scottish Literature, The Global Development of the Burns Supper 1801 – 2009 (2010 – 2014). The University of Glasgow, MA (Hons), Philosophy, 2/1 (1978 – 1983). Activities and Societies: Debating: Founder, The World Debating Tournament (1981), Winner, The Observer Mace (1982), The ESU Debating Tour of the USA (1981), Convener of Debates, Glasgow University Union (1980/81 and 1981), GUU Best Speaker's Prize (1981), President, The Distributist Club (Winner, Debates Trophy, 1982). Ayr Academy, Ayr High School (1972 – 1978). Activities and Societies: Vice Captain, Literary & Debating Society (Hon Secretary), Captain, Cross Country Team, 1st XI Cricket.



Beige Book Reports “Economy Continues to Expand”

Despite the terrible recent weather, the Federal Reserve Information
collected on or before February 23, 2015, "Reports from the twelve Federal Reserve Districts indicate that economic activity continued to expand across most regions and sectors from early January through mid-February."

"Banking and Finance
Reports on banking conditions were mostly positive across the Districts. Overall loan demand increased in all reporting Districts, with the exception of Kansas City, where loan demand was mixed. Reports on the pace of increase varied from slight in Richmond and Dallas to strong in Atlanta and New York. Commercial real estate loan demand was strong in Philadelphia and Cleveland. Commercial loan demand increased in New York, was particularly strong in Cleveland and Atlanta, was steady in Kansas City, and was mixed in Richmond. Residential lending was positive at all reporting banks, with bankers in Cleveland, Richmond, Chicago, and San Francisco noting an increase in refinancing activity.

"Reports across the Districts indicated that credit quality has remained largely unchanged or has improved since the prior reporting period. Bankers in most Districts reported no change in their own lending standards.  However, several bankers in the Richmond and St. Louis Districts reported relaxed standards.  Bankers in the Philadelphia, Richmond, and San Francisco Districts noted that competition is lowering lending standards more generally."



Academy for Lease and Finance Professionals
New at Certified Lease & Finance Foundation

In an effort to attract recent leasing and finance employees to enter the Certified Lease & Finance Professional (CLFP) Foundation, The Academy for Lease & Finance Professionals has been formed. This is a is a three-day event designed to fully prepare an individual to sit for the CLFP exam. During the first two days, all of the required sections of the CLFP exam are covered in-depth and on the third day, the exam is offered, but not mandatory.

The first Academy for Lease & Finance Professionals will be held in Irvine, California on May 7th – 9th; hosted by Banc of California.

David Normandin, CLFP
SVP, Lease Finance
Banc of California
Immediate Past President CLFP

“We are pleased to support the CLFP Foundation and the commercial finance industry by hosting the first Academy for Lease & Finance Professionals," David Normandin said. "We are honored that the CLFP Foundation selected Banc of California for this event and look forward to its success.”

Brian Schonfeld, CLFP
Project & Information Manager
Pawnee Leasing Corporation
President, CLFP Foundation

"The Academy is the result of a lot of hard work by both our Executive Director and Board of Directors and we believe this to be the most effective and efficient way to prepare for the industry’s preeminent leasing and financing certification, the CLFP designation,” said Schonfeld, President of the CLFP Foundation.

The CLFP designation identifies an individual as a knowledgeable professional to employers, clients, customers, and peers in the equipment finance industry. There are currently 229 Certified Lease & Finance Professionals and Associates throughout the world. For more information, call Executive Director Reid Raykovich, CLFP at (206) 535-6281 or visit

CLFP Designation Application: 


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


Marty Robins to Speak on Bank Lending Legal Issues
March 17, Deerfield, Illinois

Join Attorney, Leasing News Writer, Martin B. Robins Tuesday, March 17, 2015 at 7:30 AM, at US Bank at 700 Deerfield Road Deerfield, Illinois.  Marty will speak on legal issues associated with bank lending to small and middle market businesses.

Also speaking will be Roy Wright, a senior business banker with US Bank who will cover economic issues associated with the process, particularly the financial metrics and criteria which the bank emphasizes in its decision making.

Continental breakfast will be served, and the program, including Q&A, will be over by 8:45 AM.

To sign up, submit questions or for more information, please respond to this e-mail:

Look forward to seeing you on March 17! Advance registration is preferred.

Martin B. Robins, Partner FisherBroyles LLP, formerly SVP and General Counsel, Meridian Leasing Corporation. His law practice emphasizing corporate and IP matters include leasing.

FisherBroyles, LLP
203 N. LaSalle Street, Suite 2100 |
Chicago, IL 60010, USA 
Direct: 847.277.2580
Mobile: 847.727.7927|


Receivables Management LLC
John Kenny

• End of Lease Negotiations & Enforcement 
• Third-Party Commercial Collections | ph 315-866-1167

(Leasing News provides this ad as a trade for investigative
    reporting provided by John Kenny)



Leasing News Advisor
Ginny Young

Ginny is one of the original founders of the Leasing News Advisory Board. She had been in the finance industry for 35 years, including being very active for over 20 years in equipment leasing. She retired from the commercial finance industry in 2005.

Since closing Brava Capital, Ginny has become CFO of the family’s construction business which specializes in playground and other site amenity construction for municipalities such as cities, counties, school districts, and HUD. She still keeps in touch with her friends in the leasing business and participates in Leasing News Advisory Board discussions and meetings.

Ginny Young
Ortco, Inc.
2163 N. Glassell Street
Orange, CA 92865-3307

Her prior company Brava Capital specialized in franchise financing. She was a very active member of the United Association of Equipment Leasing having chaired several committees, worked on regional committees and was a speaker/panelist at annual conferences. She wrote articles for "Newsline." She chaired the very successful 1999 Annual Conference and Exhibition and served on the Board of Directors for four years.

Ginny enjoys spending time in her mountain home in Lake Arrowhead, CA, which is only a little over an hour away. The weather is usually 10-15 degrees cooler in the summer than her home in Orange County.


Fernando's View
By Fernando F. Croce

New releases offer acidic satire ("Maps to the Stars") and Oscar-nominated drama ("Wild Tales"), while taut action ("John Wick"), engaging backstage romance ("Beyond the Lights"), and a tough family portrait ("Starred Up").

In Theaters:

Maps to the Stars (eOne Films): Masterful Canadian provocateur David Cronenberg, best known to buffs for his unforgettable horror visions ("Videodrome," "The Fly"), turns his singular gaze to Hollywood for this acidic satire. Los Angeles here is portrayed as a sunny panorama teeming with dreams and perversions and literal ghosts, and peopled by a gallery of venal gargoyles that includes an obnoxious former child star (Evan Bird), a fraudulent celebrity doctor (John Cusack), and a desperate veteran actress (Julianne Moore, in an award-winning performance). Into this viper's nest steps a mysterious young woman named Agatha (Mia Wasikowska), who's been released from an asylum only to come to a different kind of madhouse. A poet of darkly comic decay, Cronenberg digs into this decadent Tinseltown with a gusto that should certainly please his fans.

Wild Tales (Sony Pictures Classics): Though it lost the Best Foreign Language Oscar to "Ida," this drama from Argentina has just as much to offer audiences. Unfolding as a series of short stories connected by themes of vengeance, the movie follows a vast ensemble cast (including celebrated Argentine leading man Ricardo Darin) through various tight spots. In one episode, a crooked businessman crosses paths with a waitress whose family was ruined by his dealings. In another, the roadside competition between two drivers escalates into a full-blown battle, complete with explosions. And finally, a traditional wedding takes a sudden turn as past secrets emerge between husband and wife. Directed by Damian Szifron, the film's brash mix of humor and unpredictability is an audacious and enjoyable ride. With subtitles.

Netflix Tip: Though chiefly remembered for his role as Vulcan stalwart Spock, Leonard Nimoy (1931-2015) also led a long career as a writer and director. So check out the "Star Trek" films to honor this beloved talent, but don't forget "Invasion of the Body Snatchers" (1978) and "3 Men and a Baby" (1987).


John Wick (Lionsgate): Keanu Reeves returns to the action field in this taut thriller, which would make a fabulous double-bill with the recent Liam Neeson "A Walk Among the Tombstones." Reeves stars as the title character, a man coping with the death of his wife (Bridget Moynahan) when he's attacked by a trio of hoods. As he tracks the men down, John discovers that their leader is the son of a Russian underworld boss (Michael Nyqvist), with whom he shares a dark secret. With his life in danger, John must slip back into the old identity he hoped to have abandoned: a deadly professional assassin. The action sequences are all top-notch, no surprise as first-time directors David Leitch and Chad Stahelski are former stuntmen. The result is one of the season's craftiest thrillers, powered by a cast that includes John Leguizamo and Willem Dafoe.

Beyond the Lights (Fox): Romance combines with backstage drama in this underrated peek into the R&B music industry, one of last year's most engaging sleepers. Gugu Mbatha-Raw stars as Noni, a British singer whose success is linked to her struggle against prejudices regarding her biracial upbringing. Besieged by the pressures of fame, she finds comfort in Kaz (Nate Parker), a police officer who encourages her bravery just as they fall in love with each other. But can their blossoming relationship survive the record company's demands and the public's expectations? A director with a keen eye for subtle emotional shifts, Gina Prince-Bythewood ("Love and Basketball") serves up a smart and satisfying movie that works as a vibrant crowd-pleaser while posing trenchant questions about identity.

Starred Up (Cinedigm): A brutal prison tale doubles as an affecting family portrait in this explosive drama from British director David Mackenzie. The story kicks off as Eric Love (Jack O'Connell), a teenager with a very violent fuse, is transferred to an adult prison where he quickly finds that only the strong survive. While adapting himself to the ugly environment, he realizes that his own father Neville (Ben Mendelsohn) is doing time among the inmates. If they are going to stay alive, however, the two men will have to deal with their equally volatile tempers as well as with their trouble past together. Mackenzie handles violence with sharp skill, though it's the unexpectedly emotional moments (and the two excellent performances at the center) that make this film such a gripping experience. One of last year's best.


Labrador Retriever Mix
Fairfax, Virginia  Adopt-a-Dog

Breed: Labrador Retriever Mix
Age: 12 months
Gender: Female (Spayed)

Babs is such a sweet girl. She gets along with cats, kids and other dogs.  Babs was found as a stray in the WV Mountains and picked up by Animal Control. She was never reclaimed by her owner.

Email to:
A Forever Home Rescue Foundation
Chantilly, Virginia

To meet a particular dog or pup, you can either email to be put in touch with their foster parents or you can come to one of our Sunday adoption events from 1:00 – 4:00 at the Petco in Chantilly (13053 Lee Jackson Memorial Hwy, Fairfax, VA 22033). We sometimes have special events or cancel our regular events, so make sure to check our website for an accurate list of adoption dates and events.

Adopt a Pet


News Briefs----

Leasing scammer Jeff Maricle going to prison

Apple Pay fraud 'rampant' says payments expert

Bank of Canada holds interest rate at 0.75%

China’s Financial Leasing Industry:

Irvine, California

Resolve Customer Billing Issues
Reduce Receivable Delinquency

Click here for full description.
 Please send resume and cover letter to:
Quick Bridge Funding has the financial
products a business needs to grow!



--You May Have Missed It

The West Coast Port Shutdown/More Shall Be Revealed–-more-shall-be-revealed


SparkPeople--Live Healthier and Longer

How to Get Your Daily Dose of Vitamin D
Important Reasons to Soak Up the Sunshine Vitamin


Winter Poem

Walking Alone in Late Winter

by Jane Kenyon

How long the winter has lasted -- like a Mahler
symphony, or an hour in the dentist's chair.
In the fields the grasses are matted
and gray, making me think of June, when hay
and vetch burgeon in the heat, and warm rain
swells the globed buds of the peony.

Ice on the pond breaks into huge planes. One
sticks like a barge gone awry at the neck
of the bridge. . . . The reeds
and shrubby brush along the shore
gleam with ice that shatters when the breeze
moves them. From beyond the bog
the sound of water rushing over trees
felled by the zealous beavers,
who bring them crashing down. . . . Sometimes
it seems they do it just for fun.

Those days of anger and remorse
come back to me; you fidgeting with your ring,
sliding it off, then jabbing it onagain.

The wind is keen coming over the ice;
it carries the sound of breaking glass.
And the sun, bright but not warm,
has gone behind the hill. Chill, or the fear
of chill, sends me hurrying home.




Sports Briefs----

Peyton Manning taking a $4M pay cut


Dockett heading to San Francisco 49ers


California Nuts Briefs---

Harrison Ford crash-lands plane on golf course


“Gimme that Wine”

Idaho winery puts wine in a beer can

Wine highlights of Premiere Napa Valley

Top 20 Wine Influencers: Who to follow on Social Media?

Free Mobile Wine Program

Wine Prices by vintage

US/International Wine Events

Leasing News Wine & Spirits Page


This Day in American History

       1521 - Magellan discovered Guam, today a protectorate of the United States.
    1775 – The first African-American Mason was initiated in Boston.
    1779 - The US Congress declared that only the federal government, and not individual states, had the power to determine the legality of captures on the high seas. This was the basis for the 1st test case of the US Constitution in 1808.
    1791 - American painter of miniatures and a member of the famous Peale family of artists, Anna Claypoole Peal is born at Philadelphia, PA; died December 25, 1878.
    1808 - The first college orchestra was established at Harvard.
    1810 – Illinois passed the first state legislation dealing with vaccinations.
    1820 - The Missouri Compromise, enacted by Congress, was signed by President James Monroe. This compromise provided for the admission of Missouri into the Union as a slave state, but prohibited slavery in the rest of the northern Louisiana Purchase territory. The compromise was invalidated in the 1856 Scott vs. Sandford case.
    1822 - USS Enterprise captures four pirate ships in Gulf of Mexico.
    1831 – Edgar Allen Poe was removed from the US Military Academy.
    1834 - Delmonico's, one of NY's finest restaurants, provides a meal of soup, steak, coffee & half a pie for 12 cents. The restaurant is considered the oldest in New York. Some of its “firsts:”
The first diner called by the French name restaurant
The first diner where guests sat at their own tables
The first printed menu
The first tablecloths
The first debutante ball outside a private home
The first restaurant to offer a leisurely lunch and dinner
Oysters Rockefeller
Lobster Newberg, first called Lobster Wenberg
Baked Alaska
Eggs Benedict
Delmonico potatoes
Delmonico steak
Hamburger (known then as the Hamburg Steak)
First use of the expression that something is "86'd", since the Delmonico Steak was item 86 on the menu and, when sold out, it was “86'd".
    1836 - Four days after Texas declared itself an independent republic, the Alamo, a fortified mission at San Antonio, Texas, where fewer than 200 Texans were garrisoned was captured by the Mexican leader Gen. Antonio Lopez de Santa Anna, who had led 3000 troops across the Rio Grande. Every Texan except a mother, a child, and servant was killed, including Jim Bowie, Col. Travis, and Davy Crockett. The siege, led by Mexican general Santa Anna, began Feb 23 and reached its climax Mar 6, when the last of the defenders was slain. Texans, under General Sam Houston, rallied with the war cry "Remember the Alamo" and, at the Battle of San Jacinto, Apr 21, defeated and captured Santa Anna, who signed a treaty recognizing Texas's independence.
    1857 - Dred Scott decision (Dred Scoot v. Sandford) was delivered by the US Supreme Court.  This was a major setback for anti-slavery forces and further aggravated the growing ill feeling between North and South. Dred Scott was a slave whose owner had taken him and his family from Missouri to Illinois, a free state in 1834. Scott later returned to Missouri and, in 1846, sued for his liberty on the grounds that his stay in free territory ended his slavery. The Court ruled, however, that Scott could not sue because slaves were not citizens. Going beyond the specific case, the Court also said that Congress had no power to prohibit slavery in territories and therefore, the Missouri Compromise of 1820, already repealed by the Kansas-Nebraska Act, was unconstitutional.
    1861 – The Provisionary Confederate Congress established the Confederate Army
    1862 - The Battle of Pea Ridge, Ark., was fought. A Confederate army of 16,000 under General Earl Van Dorn attacked a Union army of 10,500 under Brig. General Samuel Ryan Curtis, whose last reserves prevented a Union disaster on the second day. Among the heavy losses on both sides were two Confederate generals, Benjamin McCulloch and James McQueen McIntosh.
    1864 - There was an average of 7,333 desertions a month from the Union army. Many desertions were the result of bounty jumpers - men who would collect bounty to enlist, then desert and do it again elsewhere. The US government spent $300 million dollars on bounties while state and local governments spent about the same...
    1872 - A cold wave hit the East coast sending the mercury plunging to 8 degrees below zero at Boston. It was the most severe March cold wave in modern history.
    1885 - Birthday of humorist and sportswriter Ring Lardner, Sr., in Niles, Michigan. Lardner wrote about sports for a variety of newspaper, mostly in Chicago. In both his columns and his short stories, he reproduced ballplayers' vernacular speech patterns with great success, thereby laying the groundwork for generations of baseball fiction to come. Lardner abandoned baseball after the Black Sox scandal was exposed. He wrote songs, plays and magazine articles but never the novel that some of his friends though he should. Taciturn and solemn with a biting sense of humor, Lardner drank and smoked to excess, even after contracting tuberculosis in 1926. Posthumously given the J.G. Taylor Spink Award in 1963 for his baseball writing, he died at East Hampton, NY, September 25, 1933.
    1886 – The first plant to generate alternating current in the US was launched at Great Barrington, MA.
    1892 - The first women's collegiate basketball game was played at Smith College in Northampton, MA. Senda Bereson, then Smith ‘s director of physical education and “mother of women's basketball” supervised the game, in which Smith's sophomore team beat the freshman team, 5-4.
    1892 - Clark Daniel Shaughnessy, football player and coach born at St. Cloud, MN. After playing football at the University of Minnesota, Shaughnessy strung tog3ether a coaching career of several institutions: Tulane, Loyola of the South, Chicago, Stanford, Maryland and Pittsburgh. He coached the Los Angeles Rams and assisted George Halas with the Chicago Bears. Shaughnessy is known as the father of the modern T formation and played a key role in developing modern pro defensive football. Died at Santa Monica, CA, May 15, 1970.
    1905 - Father of Western Swing, Bob Willis, born in Kosse, TX. Originally a performer (fiddler) with the Light Crust Doughboys, Willis later former the popular Texas Playboys. Bob Willis and the Texas Playboys appeared on film and at the grand Ole Opry made western swing popular with such hits as “San Antonio Rose.” Willis died May 13, 1975 at Fort Worth, TX.
    1918 - Bassist Red Callendar is born in Richmond, VA.
    1923 - Guitarist Wes Montgomery birthday
    1924 - Sarah Caldwell’s birthday. She founded and produced almost 50 operas at the Boston Opera, was the first woman to conduct at the Metropolitan and the New York Philharmonic, and the first recipient of the Kennedy Center Award for Excellence.
    1926 - Economist, former Chairman of the Federal Reserve, Alan Greenspan, birthday, New York, New York
    1936 - Singer Sylvia Vanderpool of Mickey and Sylvia, was born New York City, New York
    1939 - Harry James records “Two O'clock Jump.”
    1940 - Duke Ellington records “Jack the Bear” and “KoKo.”
    1941 - Les Hite and his orchestra recorded "The World is Waiting for the Sunrise" on Bluebird Records. The instrumental became Hite's most popular work. A decade later, Les Paul and Mary Ford added a vocal to the tune, making it one of their biggest-selling hit songs.
    1945 - Top Hits
“Accentuate the Positive” - Johnny Mercer
“I Dream of You” - The Tommy Dorsey Orchestra (vocal: Freddy Stewart)
“A Little on the Lonely Side” - The Frankie Carle Orchestra (vocal: Paul Allen)
“I'm Losing My Mind Over You” - Al Dexter
    1953 - Top Hits
“Till I Waltz Again with You” - Teresa Brewer
“Don't Let the Stars Get in Your Eyes” - Perry Como
“Keep It a Secret” - Jo Stafford
“Kaw-Liga” - Hank Williams
    1954 - Florida received its greatest modern-day snowfall of record, with 4.0 inches at the Milton Experimental Station. Pensacola FL equaled their 24-hour record with 2.1 inches of snow.
    1957 - The doo-wop quartet the Diamonds make their pop chart debut with "Little Darlin'," their biggest hit. It reaches #2 on the pop chart and #3 R&B.
    1961 - Top Hits
“Pony Time” - Chubby Checker
“Surrender” - Elvis Presley
“Wheels” - The String-A-Longs
“Don't Worry” - Marty Robbins
    1962 - Frank Sinatra recorded his final session for Capitol Records in Hollywood. Sinatra had been recording for his own record label, Reprise, for two years. His final side on Capitol was "I Gotta Right to Sing the Blues", with Skip Martin's orchestra.
    1964 - Tom O'Hara ran the mile in 3 minutes, 56.4 seconds, setting a world indoor record in Chicago, IL.
    1964 - Heavyweight champion Cassius Marcellus Clay announced that he had embraced the Nation of Islam and changed his name to Muhammad Ali. As Clay, he had won a gold medal in the 1960 Summer Olympic Games in Rome and captured the heavyweight crown with a stunning TKO of Sonny Liston at Miami Beach on February 25, 1964.
    1965 - The Temptations went to #1 on the US singles chart with the Smokey Robinson penned song "My Girl", making the group the first male act to have a chart topper for Motown Records.
    1967 - *OUELLET, DAVID G., Medal of Honor
Rank and organization: Seaman, U.S. Navy, River Squadron 5, My Tho Detachment 532. Place and date: Mekong River, Republic of Vietnam, 6 March 1967. Entered service at: Boston, Mass. Born: 13 June, 1944, Newton, Mass. Citation: For conspicuous gallantry and intrepidity at the risk of his life above and beyond the call of duty. As the forward machine gunner on River Patrol Boat (PBR) 124, which was on patrol during the early evening hours, Seaman Ouellet observed suspicious activity near the river bank, alerted his boat captain, and recommended movement of the boat to the area to investigate. While the PBR was making a high-speed run along the river bank, Seaman Ouellet spotted an incoming enemy grenade falling toward the boat. He immediately left the protected position of his gun mount and ran aft for the full length of the speeding boat, shouting to his fellow crewmembers to take cover. Observing the boat captain standing unprotected on the boat, Seaman Ouellet bounded on to the engine compartment cover, and pushed the boat captain down to safety. In the split second that followed the grenade's landing, and in the face of certain death, Seaman Ouellet fearlessly placed himself between the deadly missile and his shipmates, courageously absorbing most of the blast fragments with his body in order to protect his shipmates from injury and death. His extraordinary heroism and his selfless and courageous actions on behalf of his comrades at the expense of his life were in the finest traditions of the U.S. Naval Service.
    1969 - Top Hits
“Everyday People” - Sly & The Family Stone
“Proud Mary” - Credence Clearwater Revival
“Baby, Baby Don't Cry” - Smokey Robinson & The Miracles
“To Make Love Sweeter for You” - Jerry Lee Lewis
    1969 - Russell Louis Schweickart and Colonel James Alton McDivitt, were the first astronauts to transfer from one spacecraft to another while in orbit, making an intra-vehicular transfer from Gumdrop, the Apollo 9 command ship to the Spider, the lunar module, leaving the pilot, Colonel David Randolph Scott in the command ship.
    1972 - Shaquille Rashan O'Neal, basketball player, born Newark, NJ.
    1972 - The ‘Golden Bear', Jack Nicklaus, passed Arnold Palmer as golf's all-time, money winner. Nicklaus captured the Doral Eastern Open golf tournament to run his career earnings up to $1,477,200
    1973 - The group, War, out from under the shadow of former leader Eric Burdon, receive their second gold single of the week for "Cisco Kid," four days after "The World is a Ghetto" did likewise.
    1975 - Led Zeppelin's sixth album, "Physical Graffiti," was certified gold.
    1976 - The Waylon & Willie (Jennings and Nelson) song, "Good Hearted Woman", started the last of three weeks at the top of the country music charts. Waylon and Willie wrote the song in 1969 during a poker game in Ft. Worth, TX. According to Jennings, “I'd been reading an ad for Ike and Tina Turner and it said, ‘Tina Turner singing songs about good-hearted women loving good-timing men.' I thought, ‘What a great country song title that is!'”
    1976 - Dorothy Hamill of the US completed women's figure skating celebrated double triumph by adding first place in the world's Championship, contested in Goteberg, Sweden, to the Olympic gold medal she won in February in Innsbruck, Austria.
    1977 - Top Hits
Love Theme from "A Star is Born" (Evergreen) - Barbra Streisand
Fly like an Eagle - Steve Miller
I Like Dreamin' - Kenny Nolan
Heart Healer - Mel Tillis
    1976 - After placing 28 songs in the Top 40 of Billboard's Pop chart, The Miracles make the list for the last time when "Love Machine" went to the top. Their run included seven Top 10 hits and two number ones.
    1978 - Billy Joel was awarded a rare platinum single for "Just the Way You Are."
    1981 - Walter Cronkite, the dean of American television newscasters, said “And that's the way it is” for the final time, as he closed the "CBS Evening News with Walter Cronkite". An audience estimated at 17,000,000 viewers saw ‘the most trusted man in America' sign-off. Cronkite retired after more than 30 years in broadcasting. He was replaced by Dan Rather at the anchor desk.
    1982 - Billboard points out that Dick Clark has donated the podium he stood behind on the original "American Bandstand" to the national museum at the Smithsonian.
    1982 - The Go-Go's debut LP, "Beauty and the Beast," released last July, starts a seven week run at Number One.
    1982 - Willie Nelson's "Always on My Mind" enters the pop chart at #88. The original was recorded in 1972 by Elvis Presley. Nelson's version will reach number One on the country chart and win a Grammy for Song of the Year.
    1982 - The most points scored by two teams in the National Basketball Association made history. San Antonio beat Milwaukee 171-166 in three overtime periods to set the mark.
    1983 - The United States Football League opened its first season of play with five games. The USFL was designed to avoid competing with the NFL by playing in the spring, but it lasted only three years.
    1985 - Yul Brynner played his famous role as the king in "The King and I" in his 4,500th performance in the musical. The actor, age 64, opened the successful production on Broadway in 1951.
    1985 - Top Hits
“Careless Whisper” - Wham! featuring George Michael
“Can't Fight This Feeling” - REO Speedwagon
“California Girls” - David Lee Roth
“Baby Bye Bye” - Gary Morris
    1987 - Twenty-eight cities in the north central U.S. reported record high temperatures for the date. Pickstown, SD was the hot spot in the nation with a reading of 83 degrees. The high of 71 at Saint Cloud, MN smashed their previous record by 21 degrees.
    1988 - Julie Krone won the 1,205th victory of her career, thereby becoming the all-time winning female jockey in history, Krone rode Squawter, a filly, to victory in the ninth race at Aqueduct Racetrack.
    1988 - “In the Heat of the Night” premiered on TV. NBC's police drama was based on the 1967 movie with the same name. Carroll O'Connor played Mississippi police chief Bill Gillespie who, along with Howard Rollins as Detective Virgil Tibbs, investigated crimes in the rural South. The cast featured Alan Autry as Sergeant Bubba Skinner, Anne-Marie Johnson as Virgil's wife, Althea, David Hart as Deputy Parker William, Hugh O'Connor as Deputy Lonnie Jamison, Christian LeBlanc as Deputy Junior Abernathy, Geoffrey Thorne as Deputy Sweet and Crystal Fox as dispatcher Luanne Corbin. The last telecast aired July 28, 1994, but the program remains popular in re-runs.
    1990 - Colorado's strongest winter storm of the season moved northeastward across the state producing 50 inches of snow at Echo Lake, 46.5 inches on Buckhorn Mountain, and 46 inches near the top of Coal Canyon. Snow fell at the rate of several inches per hour during the height of the storm, while winds gusted above 50 mph. Several hundred rush hour commuters, including the state governor, were stranded in blizzard conditions along Highway 36 between Denver and Boulder. Drifts up to twelve feet high had to be cleared southeast of Boulder.
    1996 - Chris Osgood of the Detroit Red Wings became the third goalie in NHL history to score a goal. He fired the puck into an empty net with 11 seconds remaining as Detroit beat the Harford Whalers, 4-2.
    2000 - Eric Clapton was inducted into The Rock and Roll Hall of Fame for the third time, after receiving previous honors as a member of The Yardbirds and Cream.
    2003 - President Bush held a news conference and warned that he was prepared to go to war soon in Iraq with or without UN backing.
    2007 - Former White House aide I. Lewis Libby, Jr. was convicted on four of five counts of perjury and obstruction of justice trial.
    2013 – Microsoft was fined €561 by the Euro Commission for not providing alternative web browsers



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