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

 

 

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Classified Ads---Sales

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

Work Remotely Business Development - Are you looking to enter/increase your Healthcare lending? Let me identify and qualify healthcare (all verticals) vendors, distributors, and end users who utilize leasing/financing as a tool to sell equipment for you. Many years experience - contact Mitchell Utz at mitutz@msn.com or  (215) 460-4483.

Free Posting for those seeking employment in Leasing
http://www.leasingnews.org/Classified/Jwanted/Jwanted-post.htm

All “free” categories “job wanted” ads:
http://www.leasingnews.org/Classified/Jwanted/Jwanted.htm

 

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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
http://leasingnews.org/archives/Mar2015/3_02.htm#bank_beat

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
http://leasingnews.org/archives/Feb2015/2_17.htm#bank_beat

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
http://leasingnews.org/archives/Jan2015/1_26.htm#bank_beat

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
http://leasingnews.org/archives/Jan2015/1_20.htm#bank_beat

 

 

 

 

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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)
http://www.federalreserve.gov/newsevents/press/bcreg
/bcreg20150305a1.pdf

 

 

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Leasing Industry Ads---Help Wanted

 

Collector Irvine, California Resolve Customer Billing Issues Reduce Receivable Delinquency Click here for full description.  Please send resume and cover letter to: acole@quickbridgefunding.com www.quickbridgefunding.com Quick Bridge Funding has the financial products a business needs to grow!

For information on placing a help wanted ad, please click here:
http://www.leasingnews.org/Classified/Hwanted/Hwanted-post.htm 

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.
www.linkedin.com/in/rcollison

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).
www.linkedin.com/pub/john-d-angelo/10/193/716

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).
http://www.linkedin.com/pub/david-drury/9/936/662

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).
www.linkedin.com/pub/terry-hatfield/16/268/21b

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: http://www.amazon.com/Clark-McGinn/e/B001JP0RHG 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.
https://www.linkedin.com/profile/view?id=209368802

 

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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."

• Boston
• New York
• Philadelphia
• Cleveland
• Richmond
• Atlanta
• Chicago
• St. Louis
• Minneapolis
• Kansas City
• Dallas
• San Francisco
• Full Report

 

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 www.CLFPfoundation.org.

CLFP Designation Application:
http://www.leasingnews.org/PDF/CLFP_Application2015.pdf 

 

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

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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:
martin.robins@fisherbroyles.com

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
mrobins@fisherbroyles.com|
www.fisherbroyles.com

 

Receivables Management LLC John Kenny • End of Lease Negotiations & Enforcement  • Third-Party Commercial Collections john@jkrmdirect.com | ph 315-866-1167 www.jkrmdirect.com

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

 

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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
714-998-3998
ginny@ortcoplays.com

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).

On DVD:

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

Babs
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: info@aforeverhome.org
A Forever Home Rescue Foundation
Chantilly, Virginia

To meet a particular dog or pup, you can either email info@aforeverhome.org 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
http://www.adoptapet.com/

News Briefs----

Leasing scammer Jeff Maricle going to prison
http://www.wfla.com/story/28223898/leasing-scammer-uncovered-in-eight-on-your-side-investigation-going-to-prison

Apple Pay fraud 'rampant' says payments expert
http://www.fierceretail.com/retailit/story/apple-pay-fraud-rampant-says-payments-expert/2015-03-04?utm_medium=nl&utm_source=internal

Bank of Canada holds interest rate at 0.75%
http://www.thestar.com/news/canada/2015/03/04/bank-of-canada-holds-interest-rate-at-075.html

China’s Financial Leasing Industry:
http://thediplomat.com/2015/03/chinas-financial-leasing-industry-safe-in-the-arms-of-banks/

Collector Irvine, California Resolve Customer Billing Issues Reduce Receivable Delinquency Click here for full description.  Please send resume and cover letter to: acole@quickbridgefunding.com www.quickbridgefunding.com Quick Bridge Funding has the financial products a business needs to grow!

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--You May Have Missed It

The West Coast Port Shutdown/More Shall Be Revealed
http://news.cit.com/blog/commercial-services/west-coast-port-shutdown-–-more-shall-be-revealed

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SparkPeople--Live Healthier and Longer

How to Get Your Daily Dose of Vitamin D
Important Reasons to Soak Up the Sunshine Vitamin
http://www.sparkpeople.com/resource/nutrition_articles.asp?id=1357

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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.

 

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Sports Briefs----

Peyton Manning taking a $4M pay cut
http://espn.go.com/nfl/story/_/id/12422106/peyton-manning-denver-broncos-agree-4-million-pay-cut-2015

 

Dockett heading to San Francisco 49ers
http://www.upi.com/Sports_News/2015/03/05/Dockett-heading-to-San-Francisco-49ers/3911425568905/

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California Nuts Briefs---

Harrison Ford crash-lands plane on golf course
http://www.sfgate.com/news/us/article/Plane-crashes-on-LA-golf-course-pilot-critically-6117557.php

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“Gimme that Wine”

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

Idaho winery puts wine in a beer can
http://www.krem.com/story/money/2015/03/04/a-first-of-its-kind-in-idaho-local-winery-puts-wine-in-a-beer-can/24412681/

Wine highlights of Premiere Napa Valley
http://napavalleyregister.com/star/business/wine-highlights-of-premiere-napa-valley/article_641e0601-e3fd-5e02-b20a-6cdd645e2658.html

Top 20 Wine Influencers: Who to follow on Social Media?
http://socialvignerons.com/2015/03/03/top-20-wine-influencers-who-to-follow-on-social-media/

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/

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