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Lease Coordinator, Accurate preparation of equipment lease documentation and funding. Knowledge of leasing industry preferred.


Thursday, March 23, 2006


Classified ads--Doc. Mgr./Finance/Legal
    Job Search USA on line
        U.S. Bank Portfolio Services
Shieman Out as Head of the Matsco Companies
    Wal-Mart Leasing, Inc.? by S. Halladay
        Cartoon---All You Need in Life
Sales Makes it Happen—by Linda P. Kester
  “Managing/Motivating Your Sales Force”
Classified ads—Help Wanted
    Microsoft Financial to Grow: Watch Out
        Dana Corporation still in trouble
Myspace #5 by Kit Menkin
    Gulf Coast Opportunities For Lessors Joins Internet Fray
Vision Cap.Expands Sr. Management
    Magnetbank Selects Enterprise Funding
        Terrie Nielson joins
News Briefs---
    You May have Missed---
        Sports Briefs---
"Gimme that Wine"
    Calendar Events
        Today's Top Event in History
This Day in American History
    Baseball Poem

######## surrounding the article denotes it is a “press release”

Classified ads--- Documentation Manager / Finance / Legal

Yountville, California Bruce Lurie

Documentation Manager: New York, NY
10+ years in equipment leasing/secured lending. Skilled in management & training, documentation, policy and procedure development & implementation, portfolio reporting. Strong work ethic.

Documentation Manager: Phoenix, AZ
Lease Administrator with exp. in lease administration, doc. & porfolio management for $200M in IT assets. Additional experience financial analysis process improvement/development.

Finance: Austin, TX.
20+ years all facets of lease/finance. Collection and credit management. Equipment & rolling stock structuring. $150k credit authority, $100 million portfolio management.


Finance: Chicago, IL
Experienced in big ticket origination, syndication, valuation and workout.
Twenty five years, MBA, CPA,
JD, LLM (Tax), structuring specialist. Inbound and outbound transactions.
Transaction Summary

Finance: Orange County, CA
25+ years experience large ticket and mid-market commercial finance. Senior manager in operations, documentation, legal, credit, workouts, portfolio management. $2+Billion portfolio. MBA Finance. Juris Doctor.

Finance: San Jose, CA.
15+ years sourcing debt, managing cash and receivables and other treasury functions. Strong background in credit, contract
administration and bankruptcy litigation experience. MBA Finance.
Finance: Sausalito, Ca
Sr. Corp. officer, presently serving as consultant, fin. service background, M&A, fund raising, great workout expertise, references Email:
Finance: Toronto
Long diverse career financial services industry. Executed billions of dollars of leases over 20 years; structuring, executing and pricing US/Canadian transactions. Per Diem or full time. E-mail:
Information System: North Detroit, MI
INFOLEASE EXPERT - 18 years experience.  Since being downsized in 2002, working as a consultant for several leasing companies.
Seeking consulting projects nationwide.
Legal: Los Angeles, CA
Experienced in-house corporate and financial services attorney seeks position as managing or transactional counsel. Willing to relocate.


For a full listing of all “job wanted” ads, please go to:

To place a free “job wanted” ad, please go to:



Job Search USA on line

Job Search USA is added to the Leasing News group of places to find employment, many also allowing you to put an “ad” or your resume on line for free.

In addition, employers may also find these sites useful, too.



U.S. Bank Portfolio Services joins “Back Office” list


Company Name
Year Founded

Web site



Additional Services Offered

Yearly Volume


Major Clients

U.S. Bank Portfolio Services
1994 (h)
Joe Andries
Document preparation, UCC Filing, Titling, Insurance Tracking, Customer Service, Collections, AR, AP, Sales & Property Tax Management, General Ledger Tracking, and Reporting.
United States
Contact us for client list

(h) U.S. Bank Portfolio Services provides third party solutions and back-up/successor servicing.  Third party clients are able to focus on core competencies and avoid the expenses of creating a back office environment by outsourcing their servicing platform.  U.S. Bank Portfolio Services adds security and protection as a back-up service provider with the ability to convert any portfolio in seamless manner through advanced preparation.  


To view full list, please go here:



Shieman Out as Head of the Matsco Companies

Matthew D. Shieman is out as president of the Matsco Companies, originally founded by his family, and under his leadership, the company grew in the Dental field particularly with sponsorship of the American Dental Society.


The company was sold to Greater Bay Bank on November 3, 2000 for $6.5 million in cash. In their SEC statement, the bank commented "We may also be required to pay future contingent cash payment of up to $6.0 million based on the performance of Matsco subsequent to the acquisition. The excess of purchase price over the estimated fair values of the net assets acquired, totaling $15.9 million, was record as goodwill, and through December 31, 2001 amortized on the straight-line method over 20 years. Goodwill is evaluated annually for possible impairment under the provision of SFAS No. 142."

Keith Wilton, Exec. VP, Greater Bay Bank, with his office in Walnut Creek, California, is heading a committee of Matsco employees who are running the Matsco Companies in Emeryville, California. Wilton took the job from Dave Hood, who retired. Wilton has other bank responsibilities, such as the SBA program, a bank spokesman told Leasing News.

Shieman has “... joined Diversity as a board member and representative on the West Coast. Matt can be contacted at, “from a press release from Diversity Capital, a “boutique investment banking group specializing in providing financial services to the commercial finance and equipment leasing industries. stated yesterday.(”

In the press release, according to David D'Antoinio, Managing Director: “Matt's location on the West Coast will assist Diversity in delivering service to our clients and prospects in a quicker more efficient fashion. In addition, Matt brings a diverse background and increased experience to our Company.”

The press release states:

"Diversity Capital LLC is a seven year old advisory firm located in Cinnaminson, NJ that provides debt origination advisory, Commercial Paper placement services, M& A advice, expert opinion services and other related products to the Leasing and Commerce Finance lending industries. Please contact David D'Antonio at or 856.303.8100"

According to the company web site, D'Antonio “ Prior to forming Diversity, Dave was a Director at First Union Capital Markets and a Senior Vice President at CoreStates Bank N.A. where he was responsible for the management and development of the Lease Finance Group. This group was the leading national lender to leasing companies with a variety of products including asset securitization, credit facilities, subordinated debt and other treasury management tools. Dave served on the Equipment Leasing Association (ELA) Board from 1998-2001 and has been involved in a number of finance industry groups at the most senior levels.”

Matthew D. Shieman is listed as the vice-chairman of ELA Committees:

Moraga, CA 94556
Phone: (925) 788-5935

Leasing News reported October 2,2002, that the parent of the Matsco Companies, Greater Bay Bank, had run into financial difficulties with the federal regulators:

"Greater Bay Banks stock has been hurt by continued concerns about the real estate portfolio. Admittedly it's pretty shocking because **all** of the numbers are just fine. Greater Bay has a HUGE loan loss reserve compared to their peers, but the dive in the stock is mind-boggling, " a highly reliable source told Leasing News.

"As far as I knew, yes the Bank was taking some losses at MATSCO and was seeing some deterioration in their portfolio. But compared to the entire Bank, MATSCO's losses, in my opinion, would not be so much cause for concern to cause the stock price to go down like it has. MATSCO simply isn't a big enough part to be the sole reason for the stock price hit."

While the bank settled its problems with regulators, the Matsco Company was moved from the Cupertino Bank location and put under tighter scrutiny due to the increase regulatory observations of operations. There were questions about an $8 million loss in ATM leases and problems with business from brokers.

An outgrowth from the company started by Fred Shieman, who died tragically and left the business for his son to continue, Matt, who grew it into a major entity, then running into the changing securitization market, sold to Greater Bay Bank, a conglomeration of San Francisco Bay Area banks, originally in San Mateo and Santa Clara County, now growing into other counties.

Rumors regarding real estate transactions, SBA transactions, and the rapid growth have affected the sale of stock, plus reportedly increased outside bank audit activity. It is alleged this has also affected the Matsco Companies ability to seek low rate funds and reportedly has affected the operation. Subsequent inside information was denied about computer operating problems, problem loans, and the move out of direct loans into brokering them to others. A good part of the business was from the purchase of practices, new practices, including leasing on new equipment and working capital for the dentist.

Ex-employees began telling Leasing News about "down sizing," "tight credit criteria," and "shifts in management."

Then a key a key player at Matsco “retired,” Hy Bren. Then the company divested itself from the broker business, closing down the operation to concentrate CPA practices, dental, nursing homes, and veterinarians.

“What I can say is that the rumor statement is far from being accurate and that the financial performance of the Company this year has never been better in its 20 year history.

“Hope all is well with you and I will send response on Monday.”

Matt (Shieman)

The statement never came.

In a July, 2003 Greater Bay Bank Telephone Conference, the president and CEO of the bank said,"...didn't sell any Matsco loans this last quarter due to operational problems, but plan to soon in the 1 ½ to 2 million dollar range."

Leasing News has tried to reach Mr. Matsco, Keith Wilton, bank president/CEO Byron A. Scordelis, chief financial officer, exec. vp and CFO James S. Westfall, but telephone calls or e-mails were not returned. Leasing News was told other information from a very highly reliable source, but would like to confirm the information before reporting any further news.



Wal-Mart Leasing, Inc.?

by Shawn Halladay

Shawn Halladay

There always have been, and always will be, money lenders, from the biggest international banks down to the corner pawnshop. Although banks traditionally have taken on this role, they also have expanded their business by offering other financial services, which has allowed additional growth and profits. The ability to offer financial services is no longer the private domain of the banks, however. In fact, we see more and more companies offering financial services, especially the extension of credit.

Manufacturers have been offering financing for their products since the 19th century and we all know the contribution that lessors make in this regard. Other businesses, such as insurers and brokerage houses also offer financial services, which at least is in the general purview of what they do. What is changing, though, is the number of companies without any financial orientation that are beginning to offer financial services on their own. According to a Bank Systems & Technology article, technology is making much of this possible, as these companies can offer financial services without having to build heavy infrastructure. The combination of regulatory ease of entry, technology, and opportunities to steal niche markets from the banks has created a recent proliferation of these nonbanks.

Many of the companies without any financial orientation that offer financial services are doing so through industrial loan corporations (ILCs) based in Utah and California. ILCs in Utah include not only traditional financial services companies like CitiCapital, CIT and GE Capital, but also BMW, United Healthcare, and Target. Many of these companies, such as Target, see opportunities to create customer loyalty by offering credit. Wal-Mart is another retailer that has filed an ILC application in Utah.

Although its application has not yet been approved, Wal-Mart has been the lightning rod for concern amongst banks, as they see banking branches in every Wal-Mart across the country. Even the Fed has weighed in on the subject with Federal Reserve Governor Mark Olson saying that he is alarmed by the proliferation of ILCs, and Fed Chairman Ben Bernanke questioning the soundness of allowing a loophole that erodes the banking/commerce barrier.

The question for you, however, is the impact on leasing. Yes, Wal-Mart will probably start out managing its own credit card business, but may quickly expand into other areas once it spots the other consumer opportunities. From there, how long until it sees opportunities in commercial leasing? (Target Bank, for instance, was established to offer commercial accounts.)

There are too many retail casualties of Wal-Mart's expansion and ambitions to count. Can they do the same thing to leasing? Hmmm – Wal-Mart Leasing. Should we be concerned?

--subscribe to

Shawn Halladay Biography:






Sales Make it Happen

Managing and Motivating Your Sales Force

By Linda P. Kester

Are these complaints familiar? “ Our credit department or funding source is too tight. “ Our rates are too high! “Each leasing company I work with has some salespeople who inevitably make those statements. When I look at the volume numbers of the rep's who are complaining they are usually at the bottom of the companies' productivity ranking. The rep's in the top 20% are either on the phone

or out in the field. They're too busy to complain, sometimes even too busy to appeal a marginal deal. What can we do about the complainers? Bring them into the top 20%.

When I was a sales manager, the best rep I had on my team could not do a cash flow schedule on her HP-17b, and she was not the most experienced. In fact, she was kind of “unpolished” I wasn't concerned about that; I knew she could be fine-tuned in the areas where she needed improvement. So why was she my best rep? She wasn't afraid to go out there, to call on lessees and vendors and sell them. I wish I had twenty reps like her.

In my experience in leasing there are only two reasons why a sales rep fails to succeed: lack of integrity and lack of activity. If you find out about an integrity problem cut your losses ASAP. If your reps have an activity problem, like complainers in the above example, it's usually a result of a lack of confidence. If they don't feel comfortable with their skills and leasing knowledge, they will be uncomfortable prospecting.

Top reps have three things going for them knowledge, skills, and motivation. On going training on selling skills and the leasing industry will help your reps gain confidence. To have these confident reps enter the top 20% of your sales force you have to help them. focus on the future. Your goal as a sales manager is to instill in your reps the hope, anticipation, and determination that can make selling so exciting. Many of your reps know what they should do, but they never do it. The reason is that they're lacking the drive that only compelling future can provide.

Good performance starts with clear goals. People begin a task by deciding where they want to go. When you hire a new rep you have to give him goals for even the first month of his employment. He needs this so that he can measure

himself against your expectations. I'm amazed when I ask a rep what his volume goals is for the month and he doesn't know. People often complain about a lack of time when the lack of direction is the real problem.

Your reps need to know on a daily basis how many applications they have to get in order to achieve their volume goal. It's a simple formula. Say their goal is $400,000 a month. If their average transaction size is $12,000, and they have an approval rate of 70%, and 80% of what is approved gets booked, then they need 60 applications to get to their goals. If you have an average of twenty business days in the month then this breaks down into three apps per day.

Then you can figure out how many prospect calls it takes to get one application. Just have your reps keep a tic sheet of how many calls they've made and how many applications they've received in one day. After one week you can get a feel for a new rep, of how many prospects calls he has to make before he gets an application. You and your reps both need to know on a daily basis if your reps are moving toward their goals. It's a very simple technique, and many contact management software programs make the process easier.

Once you've figured out your reps goals, then you have to discover what motivates them. What motivates people? Recognition, money and material goods, career advancement opportunities, pride in achievement, an opportunity to give service to others, relationships with co-workers, competition with others. Here are some techniques for creating a motivating environment in your company.

Work as a team. The best people in the business are team players and coaches. If a struggling rep has the support and guidance from senior employees and they feel that they are contributing to a larger cause, they may in turn work harder.

Post your monthly volume goal on the wall. The sales team should be able to see its goals at a glance and know what's expected of them individually, and as unit. Also, keep track of every application you receive on a daily basis. This way you know if you're on track.

Recognition Area . Make the physical environment a place where people want to come to work, where they can get positive messages and where they can see their goals set out before them. Use wall space as a gallery for reminders of rep's achievement and to post testimonial letters from satisfied customers.

Follow the rules of positive reinforcement. Behavior that gets rewards gets repeated. If you want someone to behave in a certain way (make more prospect calls, get more orders, etc.), then you must reward them for that behavior.

The secret to success is to drop the negatives and excuses. Get going with a goal directed program, adopt a policy of team work, believe in hard work plus positive thinking, and you will have a successful sales force.

(This was written by Linda Kester and appeared in Leasing News in June, 2000.)

Linda Kester motivates, educates and empowers leasing sales reps to obtain top performance and increase volume. She provides enthusiastic and practical ideas for success. For more tips visit





Account Executive

At Dell Financial Services, we fuel your potential with the kind of challenging opportunities and hands-on support you need to grow. We're the exclusive provider of leasing and finance services for Dell technology systems worldwide. If you're ready for your chance to take the field, join our team as a:

Account Executive

Responsible for working remote out of a home office in the states of MI, GA, WA, CO, CA and MN. We're looking for seasoned candidates with 8+ years of Equipment Leasing Sales experience with a successful track record of increasing market/account penetration by assigned segment and/or geographic region, improving customer satisfaction and growing the business for long term results. You will be working in a relationship sales environment directly with CFOs, CIOs, CEOs and other high-level executives. If this type of opportunity sounds appealing, please send a copy of your resume to


Account Executive

Seeking an assertive, goal-oriented, profit-motivated Account Executive with sales experience in the equipment finance industry for Irvine , California headquarters. Unlimited earning potential - competitive salary with bonus and commission. Send resumes to or log on to to apply for position.

Business Development Officer

Business Development Officer—
Golf Industry

Located in SE region of U.S.

This opportunity with VGM Financial Services (affiliate of TCF Financial Corp.) offers rewards for selling vendors & leasing programs to golf car & turf equipment manufacturers, dealers/distributors & golf clubs. You'll work with VGM Club, largest buying group in golf industry, to facilitate eqpm't financing needs of member courses. BS & 5 yrs vendor/leasing sales exp. req'd, including golf industry eqm't financing. Send resume & letter to:

Financial Analyst

Financial Analyst – Irvine, CA

CalFirst Leasing Corporation is looking for experienced individual with a commercial credit analysis background. This opportunity affords a competitive salary plus great medical and 401k benefits. If you have a minimum of 2 years commercial credit analysis background, please send us your resume to learn more about this exciting opportunity. Send resumes to

Lease Coordinator

Lease Coordinator, Accurate preparation of equipment lease documentation and funding. Knowledge of leasing industry preferred.


Lease Representatives

Seeking Lease Representatives
in Baltimore, Atlanta,
Charlotte or Raleigh.

In these positions, you will develop and maintain relationships with lease brokers, leasing companies, equipment vendors and direct lessees throughout the Region. Must be knowledgeable in indirect/third party transactions ranging from $15K and up and have the necessary in-market experience. Please apply on-line at

At M&T Bank, we provide an exciting and challenging work environment where performance and innovative thinking are encouraged and rewarded at every level. With over 700 branches, your career can travel as far as you want to take it!  

Portfolio Collection & Customer Service

Portfolio Collection & Customer Service Specialist, Irvine, CA

Small ticket lessor seeks candidates with related work experience in the equipment leasing industry. Candidates must possess strong verbal/written communication and negotiating skills. Competitive comp package and outstanding work environment! Please e-mail resumes:

Sales Manager

Sales Manager – Irvine, CA

We're looking for a detail oriented, profit driven Sales Manager with 10 years experience in sales and/or management in the middle ticket equipment finance/leasing industry. Great opportunity for huge earnings potential as we offer a competitive salary with bonus and commission. Send resumes to .



Microsoft Financial to Grow: Watch Out

Leasing News is going to attempt to cover more about Microsoft Financial, a growing entity in the captive leasing marketplace. Dell, HP/Compaq, are growing. In the past manufacturers such as Dana, Studebaker-Worthington, Ford Motor Credit, were very active in financing not only their equipment, but others too.

With Microsoft now going down to a minimum of $3,000 for its vendors (partners) to help them sell Microsoft software, as well as their equipment, training, installation included, the company certainly will become a tour de force in the equipment leasing industry.

This year Microsoft will be introducing its latest operating system, the successor to XP, this year and their financial arm is gearing up for the sales. Yesterday, the company announced that Vista would be ready for large business customers, who typically buy the company's software in multiyear licenses, in November. But the consumer rollout will be pushed back to January 2007.

The new operating system promises higher security, less spam and pop-ups, and improvements on XP for video and music performance.

Supposedly the trouble has been designing and debugging the new operating system, brimming with features, complexity and an estimated 50 million lines of code. In the original days there never was a finished product, just a Beta version and thus the need for “service packs.”

The bad news is for retailers because the new operating system will miss Christmas consumer sales. This puts more pressure on business sales to push leasing.

This chart gives an indication of the potential leasing sales, and why Bill Gates, head of Microsoft, is the world's richest man at $50 billion.

This comes from, who notes that:

“Microsoft Windows XP breaking 80% market share for the first time, just as Vista approaches. With much of XP's gains coming from upgrades of other Microsoft operating systems, Apple's Mac OS has finally passed Windows 98 in usage. Mac OS market share in February was 4.28%, while Win98 dipped to 3.89%.

Apple market share first broke 4% for the month of December 2005, and has hovered around 4.25% since. Note that this data is based on computers browsing the internet, and does not attempt to reflect server operating system usage.

Microsoft is also growing its finance arm, leasing and finance, for its “partners” (dealers and re-sellers,) which includes equipment, installation and training costs. They want to control their dominance, and even have entered the manufacturing field with small, hand held computers.



Dana Corporation still in trouble

The once strong manufacturer and third party lessor sales are up, but losses continue as it struggles to get out of bankruptcy.

Sales for the fourth quarter of 2005 were $2,046 million, compared to $1,988 million during the same period in 2004. The company expects to report a net loss of $376 million for the quarter, including a loss from continuing operations of $231 million. This compares to a net loss of $136 million in the fourth quarter of 2004, which included a loss from continuing operations of $72 million.

Subsequent to Dana's filing under chapter 11 of the U.S. Bankruptcy Code on March 3, 2006, the company and certain of its U.S. subsidiaries are operating as debtors-in-possession.

Payments received from leases and partnerships (in millions)

3 month ending Dec 31, 2005 $91 December 21,2004 $279

Year ending 2005 $161 Year ending 2004 $289

full copy of press release:



Myspace #5

by Kit Menkin

Top 500 Sites

1. Yahoo!

2. Microsoft Network (MSN)

3. Google

4. EBay

5. Myspace

In reading , Shawn Halladay was commenting on the accuracy, even though non-scientific Alexa report ( also owned by Google and used in their statistics.) The fact that many of the leasing media sites have stayed in the relative same position to give credence was note.

Also , a blog, has risen up the ladder. To show the importance of this interactive medium, “Myspace” is now number five. It is perhaps the most active blog web site for those under 30 years old, primarily.

To those of a different age, we might have never heard of it.

My son Dash has one, and so does Katie, age 24, who uses her Blackberry as much as her telephone, as well as her wireless laptop on the kitchen table with the TV on, too.

Now I don't know if I approve of the “freedom” and what is on many of these blogs, but the interaction is what attracts them, and will the same for Shawn Halladay's blog as he talks about lease accounting, new tax laws that affect leasing, management and sales changes. I am not saying his well-written blog will ever get up to #5 as it is basically about a specific niche of the financial industry.

If you visit a MySpace site, you might think how in the world did this get to be popular. AOL tried it will their free web sites and chat rooms, their early claim to fame, as well as making it easy to dial up to the internet.

Here what is emphasized is freedom to have a junkyard of stupid, personal pictures, odds and ends, quotes from friends, and a form of “Classmates” from your previous schools and colleges. And free.

Who has been promoting “MySpace,” none other than the “old man,” Rupert Murdoch. His Newscorp must have run the numbers and saw a gold mine. They bought Myspace for $580 Million back in July of 2005.

Alexa's PageViews graph comparing Google and “MySpace' reveals that myspace gets a little more than 50% of the pageviews of Google.

I predict as more people discover Shawn Halladay's blog “” it will continue to grow. Maybe he might even invite a “MySpace” for the leasing community.



Gulf Coast Rebuilding Opportunities For Equipment Lessors


Participate in the rebuilding of the Gulf Coast region and interact with high-level government officials

Equipment lessors are invited to join the Gulf Coast Commercial Opportunity Mission to Baton Rouge and New Orleans, Louisiana and Biloxi, Mississippi from May 4-5, 2006. Led by Secretary of Commerce Carlos M. Gutierrez, in coordination with Federal Coordinator Donald E. Powell, Gulf Coast Rebuilding, Department of Homeland Security, the mission will offer U.S. businesses a unique forum to see first-hand the business opportunities in the Gulf Region following the passage of the GO Zone Act of 2005.

For information and to register for the Mission, go to:


### Press Release ############################ Connects Lessors with Small Businesses Seeking Equipment

COSTA MESA, CALIF. –, America's largest online small business lending network, now connects equipment leasing companies with small businesses throughout the nation looking for the type of equipment they offer through its advanced small business lending engine. The engine allows equipment leasing brokers to target market campaigns to businesses seeking their products, cutting new customer acquisition costs drastically.

“Unlike other major search engines, our commercial lending search engine is about connecting equipment leasing companies with small businesses that are in need of new equipment now,” said Thomas O. Markel, Chairman and CEO of Credentrust Software, Inc. the company that powers . “In an efficient market, brokers can get hundreds of leads daily of small businesses that are seeking for the type of equipment they offer and that match their criteria of business they would lend to. The more targeted their search campaign, the more loans they close, the higher they rank – everybody wins. It's that simple.”

How It Works

Through the small business lending engine, brokers can target multiple campaigns by up to 16 criteria, including equipment type, location, and lease amount, among others. Small businesses seeking to lease equipment input their particular information and see only the listing of leasing companies that meet their criteria. This results in lenders experiencing a lower cost per new customer acquisition of any advertising medium in the nation, by eliminating costly clicks from unqualified borrowers. Furthermore, the leads generated are those of companies truly looking to do business with qualified equipment leasing companies.

The new commercial lending search allows small businesses to search up to 92 different types of small business loans, equipment leasing, and commercial and home mortgage loan. Broker can reach these small businesses in three ways:

• The organic lender list or free advertising links is comprised of company listings gathered by web crawler, which spiders the web searching for equipment leasing companies that meet the different criteria listed on

• The Classified Campaign Lender list consists of brokers who pay for placement in the top 5 positions on each page using pay-per-click advertising. Equipment leasing companies can have as many classified campaigns on the website as desired. However, the listing will only be displayed if it matches 100 percent to the criteria entered by the borrower.

• The Premier Campaign Lender consists of brokers who have taken a more proactive approach by registering with and creating targeted campaigns using up to 16 different criteria. Once in the system, delivers hot prospects directly to the company's computer or CRM system everyday. Premier Campaign Lenders can specifically target small businesses borrowers by designating up to 16 prequalification questions, including equipment, loan amount, credit score, years in business, location, industry or lease type. The Premier Campaign allows equipment leasing companies to reduce processing time and costs and only meet with real qualified customers the meet their lending criteria.

Since its inception in 1999, has revolutionized the commercial lending marketplace and consistently provided lenders and borrowers with a simplified, streamlined and seamless ways to do business with small business online. The website has processed more than $7 billion in aggregate loans each month, receiving approximately 6000 loan requests a month. The website has attracted some of the nation's largest banks as well as community banks, private investors, brokers and credit unions. For a complete list of lending institutions, please visit's proprietary technology allows borrowers to create a professional loan/lease package online. Once the borrower finishes the application, matches the borrower's information to the loan criteria of lenders within its network and sends the borrower's information only to those lenders whose criteria match those found in the application. The applicant's information, along with other pertinent documents, such as business plans and projections, are then transferred directly into the lenders systems, allowing for faster analysis and processing of applications.

Brokers wishing to preview the type of equipment leasing requests posted within the last week can do so at
Companies wishing to take a free, no-obligation tour of the system can visit


Based in Costa Mesa, Calif.,, America's largest small business lending engine, has become a commercial lending marketplace for businesses seeking small business loans, equipment leasing, and commercial and home mortgage loans in real time. Formed in 1999, utilizes advanced search engine technology that enables borrowers to create a professional loan/lease package online, connect with more than 225 lenders using pre-qualification criteria and close loans faster. The whole process, when compared to manually preparing separate loan packages and finding the right lenders eliminates about two-thirds of the time, cuts 90% of the cost involved.

Sites of Reference:


Vanessa Besack
Besack & Associates
Phone Number: (949) 295-4130
Fax Number: (714) 459-8236


### Press Release ###########################

Vision Capital Corporation Expands Senior Management Team

San Diego, CA – Vision Capital Corporation, a San Diego-based commercial finance company, is pleased to announce that Robert C. Humber has joined the Company and its senior management team as Senior Vice President-Director of Sales. Mr. Humber, of Mission Viejo, CA, joins Vision Capital after more than thirty years experience in all phases of commercial equipment leasing and financing, most recently (eleven years) as a key business producer with U.S. Bancorp Equipment Finance, Inc. and previously, seventeen years in business development and management with Security Pacific Leasing, including serving as National Sales Manager. Mr. Humber will report to Manny Montanez, President, and will play a key role in the development, training and roll-out of the Company's Orange County, CA sales office.

“We have known Bob for many years and are very, very pleased to have him bring his deep talents, incredible energy and work-ethic to the Vision team. Bob has already inspired all of us to “step it up a notch” as we prepare to take Vision to the next level of achievement within our business plan, and Bob very capably fills this position which is so important to our regional expansion and continuing success,” stated Larry Turner, Chairman & CEO. “Bob's personal and professional philosophies mesh very well with Vision's faith-based business ethics and he delights in helping others around him to achieve and grow.”

Denver Bowen is the new Business Development Officer in the San Diego corporate office. He comes with seventeen years successful experience in institutional financial services and fixed-income portfolio sales. Mr. Bowen will be responsible for generating both direct end-user and vendor program equipment leasing and financing opportunities, primarily in the Company's Oil & Gas Services Division.

“Denver Bowen brings to Vision a track record of very strong performance and client recognition of his integrity and reliability in handling their significant investment portfolios,” stated Manny Montanez, President of Vision Capital. “As Vision's core value propositions are built upon growing mutually valuable long-term relationships with its clients, its vendors and its portfolio investors, Denver is a natural fit and we are delighted to have him as a key associate with the Vision team.”

About Vision Capital Corporation

Vision Capital Corporation is a privately-owned commercial finance company headquartered in San Diego, California. Since 1989, the Company has provided significant capital to many small-to-middle-market clients in both the public-owned and private sectors with a primary emphasis on equipment leasing/equipment financing, but also offering clients attractive financial solutions for commercial real estate acquisition/refinance, debt restructurings, recapitalizations, other asset-based financial services and capital markets advisory support. The Company can be reached at 888-999-4224 (toll free).


### Press Release ###########################

Magnetbank Selects Enterprise Funding to Provident

Equipment Financing Services

GRAND RAPIDS, Michigan – MagnetBank, an industrial loan bank focused exclusively on lending, has agreed to provide funding for leases and loans originated by Grand Rapids-based Enterprise Funding Group.

Under the terms of the agreement, MagnetBank will fund commercial and industrial equipment leases and loans originated by Enterprise Funding Group's brokers and lessors. Enterprise will provide ongoing loan servicing and customer support.

Fred Croft, Chief Executive Officer of Enterprise Funding, said he is excited about the relationship and is confident that he has found the right partner in MagnetBank.

“We have been intrigued by the industrial loan bank concept for quite some time,” Croft said. “By partnering with MagnetBank, we are able to continue to concentrate on Enterprise's core competencies of underwriting, funding and servicing equipment leases and loans. I firmly believe that this relationship is a significant milestone for us and will provide us with the capital to significantly grow our business.”

Chris Worel, president and chief operating officer of MagnetBank, said Enterprise was chosen because of its strong reputation in the industry, lease-lending expertise and commitment to providing superior customer service.

“Enterprise has an excellent track record of establishing lease relationships. Their processes and procedures are thorough, well- documented and efficient, which enables them to provide the same high- level of customer service that we are committed to providing,” Worel said. “We are excited about the opportunity this relationship provides for us to further diversify our loan portfolio mix by adding high-quality commercial and industrial leases.”

Croft was equally enthusiastic about the agreement with MagnetBank.

“Having met with MagnetBank's senior management team, we are impressed by their track record in the banking industry and we are confident that they understand the needs and requirements of a company like Enterprise,” Croft said. “We are dealing with experienced banking professionals, and consider ourselves fortunate to have an opportunity to work with MagnetBank.”

About Enterprise Funding

Enterprise Funding Group, founded in 1996, is an equipment finance company that provides lending and leasing services to small and medium sized businesses across the country, with a focus on income- producing capital equipment in the construction, manufacturing, healthcare and selected service industries. The company's website is

About MagnetBank

MagnetBank's simple, loans-only approach offers businesses an attractive alternative to mega-bank lending. The Bank's pioneering strategy enables its “LOANers” to focus on providing clients the high- touch, personal and professional level of service that is often promised, but rarely delivered. MagnetBank was created around the idea that people -- employees, clients and communities -- are its most valuable asset. Its unique industrial bank charter allows the bank to invest in recruiting and retaining the industry's best and brightest LOANers – not in building expensive branches

Contact: Dan Calabrese



### Press Release ###########################

Terrie Nielson joins, a growing Utah-based company which performs leased equipment inspections throughout the United States, announced today the hiring of Terrie Nielsen. The last seven years working for a real estate inspection company were, in her words, “a perfect match” for her new position as the company's assigner. “It's almost exactly what I had been doing in my previous position, except that now, instead of assigning real estate agents to perform home inspections, I assign equipment inspections for funders and brokers. Not only that, but my former employer went from processing 500 inspection requests per month to over 30,000, so I feel uniquely prepared to handle the growth that we are already experiencing here.”

As an assigner, Terrie interacts with clients and coordinates with the inspectors; her daily interactions over the years have given her a degree of expertise regarding the inspection process that is hard to find. Terrie tells us that “It's rewarding to see the impact our inspectors can make on behalf of our customers.” CEO Lance Black referred to Terrie as “another high caliber employee with rare expertise that makes all the difference in the service and quality of work that we aspire to. We are very pleased to have found someone like Terrie who has such an ideal background for what we do.”

About is the technology leader to the equipment leasing industry and others requiring inspection services. While competing services are built upon older technology – ten years plus in some cases has pioneered the use of state-of-the-art technological advances to automate the process of requesting, reviewing, conducting, and reporting inspections. A “Form Follows Function” approach to software and processes encourages intuitive user interfaces, develops more sophisticated inspectors; promotes meticulous inspections with greater accuracy; provides real-time status updates; and ultimately faster turn-around times.

If you'd like more information about, please contact Curtis Stoddard at 503-653-3472 or email Curtis at


### Press Release ###########################

Your One stop solution for training and reference material for the Leasing Professional

Visit our website by clickng on the logo above

122-A Foothill Blvd., Arcadia, CA. 91006
Voice 626-305-1053 . Fax 626-305-0019 .

News Briefs----

U.S. Bancorp Chief Executive Jerry Grundhofer said Tuesday he sees more consolidation ahead in the banking industry

HSBC aims to generate $1 billion (573 million pounds) in Internet revenue by 2008

Bank of America, China Bank Cut ATM Fees

Sovereign and largest investor agree to settle fight

Home loan demand falls to lowest level this year

Wal-Mart Targeting Upscale Shoppers

Google Finance makes its debut

American Idol: Kevin (cluck cluck) is out tonight

From Portland to Dorsey, new jazz books are jumpin'



You May have Missed---

Bank of America and Olivia to offer cards to lesbian market



Sports Briefs----

Former 49ers kicker indicted for $8M insurance fraud

Rice Says She Won't Apply for NFL Post

Raiders finally get man in ex-Saint Brooks

Griese eyes shot to beat Grossman,1,5947413.story?

Two Yankees Linked to Balco in Book About Bonds

Culpepper's attorney seeks dismissal of boat party charges



“Gimme that Wine”

Cult winery Screaming Eagle sold--$30 Million?

Willamette Valley Vineyards Achieves National Ranking

Italians find gene key to pinot noir grape

Mazel tov! Kosher wines pass faith and taste tests

Bay Area nabs lion's share of Beard award nominations

Massachusetts Whine merchants

If you want to know if you got a value for your wine, or what the wine price is today, go to Type in the vintage (year) and name of the producer with wine type or geographic area, such as 1995 Chateau Lynch Bages Pauillac. Even 1995 Lynch Bages will work, or 1999 Viader



Calendar Events This Day

Cuddly Kitten Day

Liberty Day

Near Miss Day

A mountain-sized asteroid passed within 500,000 miles of Earth, 1898, a very close call according to NASA. Impact would have equaled the strength of 40,000 hydrogen bombs, created a crater the size of the District of Columbia and devastated everything for 100 miles in all directions.

New Zealand: Otago and Southland Provincial Anniversary

In addition to the statutory public holidays of New Zealand, there is in each provincial district a holiday for the provincial anniversary. This day is observed in Otago and Southland.

United Nationals: World Meteorological Day

An international day observed by meteorological services throughout the world and by the organizations of the UN system



Today's Top Event in History

    1925-The trial of a teacher for violating a state ban on teaching the theory of evolution took place in July, 1925. John Thomas Scopes, a high school science teach in Dayton, TN, was convicted of breaking a law passed by the Tennessee legislature and signed this day in 1925 by Governor Austin Peay. It provided that “ it shall be unlawful for any teacher in any of the universities, normal, and all other public schools of the state which are supported in whole or in party by the public school funds, of the state to teach any theory that denies the story of the Divine creation of man as taught in the Bible, and to teach instead that man has descended from a lower order of animals.” Scopes was prosecuted by William Jennings Bryan and defended by Clarence Darrow. He was fined $100. The conviction was later overturned on technical grounds.



This Day in American History

    1775- Anniversary of Patrick Henry's speech for arming the Virginia militia at St. Johns Church, Richmond, Virginia. He was addressing the second Virginia convention, and delivered his immortal speech against arbitrary British rule, “I know not what course others may take, but as for me, give me liberty or give me death.” Ironically, history has made this the best known, but from a contemporary journal, his most famous remark at the time, the one most repeated, occurred when he uttered:
“ Caeasar had his Brutus; Charles the first his Cromwell; and George the Third may profit by their example.” He was then interrupted and accused of treason, where he responded, “ If this is treason, make the most of it.” The speech caused a sensation, being bolder than any speech given that year.
    1839-“O.K.” First Appearance in Print. “The Boston Morning Post” printed the first known “ok.k”. It derived from a misspelling of “all correct”—“all korrect.” Etymologist Allen Read doggedly tracked down the word's origin in the 1960's. “O.K” is now used in most languages.
    1842 -- Congressman Joshua R. Giddings of Ohio is censured by the House of Representatives for introducing resolutions opposing slavery and the coastal slave trade. (The "Gag Rule," first adopted by a South- dominated Congress in 1836, and renewed at the beginning of each session thereafter, pledges every member not to mention the slavery issue on the floor of the House.)
    1857-Fannie Farmer Cookbook standardizes measurements in cooking.
    1858- Eleazer A. Gardner of Philadelphia, Pennsylvania obtained a patent on an “improvement in tracks for city railways.” The cable was housed in an underground tunnel with a series of pulleys inside. It was not until 1873 that the cable car began operation on the Clay Street Hill in San Francisco. It was the first cable car put into service anywhere in the world, on an improvement and new patent by Andrew Smith Hallidie for an “endless-wire rope way.”
    1862-As General George McClellan began the Peninsular campaign to move on the Confederate capital of Richmond, Virginia, Confederate General Stonewall Jackson engaged a larger force of Union troops at Kernstown in the northern Shenandoah Valley of Virginia. Although he ultimately was forced to retreat, the Battle of Kernstown provided a diversion central to the South's military strategy. Fearing an attack on Washington, DC, northern troops were kept around Washington as part of its defense, leaving fewer troops available for the Peninsular campaign.
    1864- George J. Dyke, the co-founder of Vancouver's first music school, was born in St. Blazey, England. In the 1890's, Dyke helped found a violin academy, which was a forerunner of the Vancouver Conservatory. Dyke died in Victoria in 1940.
    1867-The second Reconstruction Act was passed over President Johnson's veto. It provided for the registration of all qualified votes, who were subsequently to decide on readmittance to the Union.
    1868- University of California founded (Oakland CA)
    1872-"Emperor" Joshua A. Norton is often credited with the idea of bridging the bay between San Francisco and Oakland. His most famous decree­ March 23, 1872­which ordered construction of a bridge between Oakland Point and Goat Island, was apparently based upon concepts outlined in several newspaper articles during the early 1870s. Charles Crocker of the Central Pacific Railroad had earlier proposed a railroad bridge from Oakland to San Francisco via Goat Island.
    1877- Mormon zealot John Doyle Lee was executed by a firing squad for masterminding the Mountain Meadows Massacre. In 1857, a wagon train of 127 Arkansas Methodist emigrants, bound for California, were killed by a party of Mormon settlers and Paiute Indians at Mountain Meadows (near Cedar ity), Utah.
    1889-President Harrison opens Oklahoma for colonization, creating the great Oklahoma land rush, which was fully out of control as there was no local authority or representative of the federal government in charge. The date set was for April 22 and for white settlers only.
    1911-National Urban League founded.
    1912-residents of Kansas City, Missouri began to dig out from a storm that dumped 25 inches for snow in 24 hours. This snowfall total was nearly twice that of any other storm of modern record in Kansas City before or since that time. A record 40 inches of snow fell during the month of March that year and the total of 67 inches for the winter season was also a record. Olathe, Kansas received 37 inches of snow in the storm establishing a single storm record for the state.
    1913 - A vicious tornado hit the city of Omaha, NE. The tornado struck during the late afternoon on Easter Sunday, and in just twelve minutes cut a swath of total destruction five miles long and two blocks wide across the city killing 94 persons and causing 3.5 million dollars property damage.
    1917--Pianist Johnny Guarnieri birthday
    1925-The trial of a teacher for violating a state ban on teaching the theory of evolution took place in July, 1925. John Thomas Scopes, a high school science teach in Dayton, TN, was convicted of breaking a law passed by the Tennessee legislature and signed this day in 1925 by Governor Austin Peay. It provided that “ it shall be unlawful for any teacher in any of the universities, normal, and all other public schools of the state which are supported in whole or in party by the public school funds, of the state to teach any theory that denies the story of the Divine creation of man as taught in the Bible, and to teach instead that man has descended from a lower order of animals.” Scopes was prosecuted by William Jennings Bryan and defended by Clarence Darrow. He was fined $100. The conviction was later overturned on technical grounds.
    1932-Birthday of guitarist/harmonica player Louisiana Red (Iverson Minter,) born Vicksburg, MS
    1938-Birthday of vibes player Dave Pike Detroit MI
    1944-Woody Herman waxes homogenized protest “Milkman Keep Those Bottles Quiet.”
This day in 1987 he makes his last appearance with the Herd, Grand Meadow, Minnesota.
    1946---Top Hits
Oh, What It Seemed to Be - The Frankie Carle Orchestra (vocal: Marjorie Hughes)
Personality - Johnny Mercer
Day by Day - Frank Sinatra
Guitar Polka - Al Dexter
    1950- “Beat the Clock” premiered on television. On this game show from the team of Mark Goodson and Bill Todman, couples performed stunts within a specified time period (usually under 60 seconds) with the winners being given a chance to try a special stunt to win a great prize. Special stunts were very difficult, and the same one was attempted every week until a couple got it right. In 1952, James Dean got his first TV job testing stunts and warming up the audience. Bud Collyer was the host, assisted by Roxanne (real name Dolores Rosedale). A 1969 syndicated version hosted by Jack Narz and then by Gene Wood had celebrities to help the contestants. A 1979 revival was hosted by Monty Hall.
    1952-Bill Mosienko of the Chicago Blackhawks set an NHL record by scoring three goals in 21 seconds in a game against the New York Rangers. Mosienko scored at 6:09, 6:30 and 6:30 of the third period against goalie Lorne Anderson. Chicago Won 7-6.
    1954—Top Hits
Make Love to Me! - Jo Stafford
Cross Over the Bridge - Patti Page
Wanted - Perry Como
Slowly - Webb Pierce
    1962---Top Hits
Hey! Baby - Bruce Channel
Midnight in Moscow - Kenny Ball & His Jazzmen
Don't Break the Heart that Loves You - Connie Francis
That's My Pa - Sheb Wooley
    1963- the Beatles' first LP, "Please, Please Me," was released in Britain.
The album included the title song, which had topped the British chart a month earlier. The LP, with the exception of the title song, was recorded in one 13-hour session on February 11th. Other hits included in the Beatles' first album included "Love Me Do," "I Saw Her Standing There," "Do You Want To Know a Secret?" and "Twist and Shout."
    1963- The Beach Boys release "Surfin U.S.A."
    1965 - Astronaut John Young became the first person to eat a corned beef sandwich in space. Young snuck the sandwich on board to supplement his meals of dehydrated foods, including powdered fruit juice.
    1970---Top Hits
Bridge Over Troubled Water - Simon & Garfunkel
The Rapper - The Jaggerz
Give Me Just a Little More Time - Chairmen of the Board
The Fightin' Side of Me - Merle Haggard
    1973 - "Concentration", the longest-running game show in television, starring Hugh Downs, came to an end after 15 years on NBC. A syndicated version without Downs aired, but did not last long.
    1973-Jason Kidd, basketball player, born San Francisco, CA.
    1974 - Cher hit the top of the music charts when "Dark Lady" reached the #1 for a one-week stay. Other artists sharing the spotlight during that time included: Terry Jacks, John Denver, Blue Swede, Elton John and MFSB.
    1975- San Francisco's Kezar Stadium is the site for a Bill Graham-run benefit show called SNACK (Students Need Athletics, Culture and Kicks). The Show features the Tower of Power, the Grateful Dead, Jefferson Starship, Joan Baez, Graham Central Station, Neil Young and special guest Bob Dylan. It's to raise money for the San Francisco school system which recently canceled most sports and after-hour activities because of a $3-million budget deficit. Almost $200,00 is raised, but it's really not needed because the day before the event, an announcement is made that through a financial adjustment $2.1 million has been "found."
    1978---Top Hits
Night Fever - Bee Gees
Stayin' Alive - Bee Gees
Lay Down Sally - Eric Clapton
Mamas Don't Let Your Babies Grow Up to Be Cowboys - Waylon & Willie
    1983- Barney Clark died after living almost 112 days with an artificial heart. The heart, made of polyurethane plastic and aluminum, was implanted in Clark at the University of Utah Medical Center, Salt Lake City, Dec 2, 1982. Clark was the first person ever to receive a permanent artificial heart. Born at Provo, UT, Jan 21, 1921, Clark was 62 when he died.
    1985 - Musician, Billy Joel married model, Christie Brinkley in a private ceremony held in New York City. They announced in April 1994 that they had separated.
    1986---Top Hits
These Dreams - Heart
Secret Lovers - Atlantic Starr
Rock Me Amadeus - Falco
What's a Memory like You (Doing in a Love like This) - John Schneider
    1987- A 3 day snowstorm commenced over the central Plains. It left amounts exceeding one foot in a south to north band from the Texas Panhandle to South Dakota. Blizzard conditions prevailed with winds gusting to 78 mph at Dodge City, Kansas and Altus, Oklahoma. Pampa, Texas was buried under 20 inches of snow, the worst in the area in at least 70 years. 24 inches of snow was recorded at Neligh, Nebraska.
    1987-“The Bold and the Beautiful” premiered on TV. A continuing daytime serial created by William Bell and Lee Phillip Bell to be "young and hip." It is set in the fashion industry of Los Angeles with two central families, the Logans and the Forresters. The cast has included, as the Forresters: John McCook, Susan Flannery, Clayton Norcross, Jeff Trachta, Ronn Moss, Teri Ann Linn, Colleen Dion and as the Logans: Robert Pine, Judith Baldwin, Nancy Burnett, Nancy Sloan, Carrie Mitchum (granddaughter of Robert), Ethan Wayne (son of John), Brian Patrick Clarke, Katherine Kelly Lang and Lesley Woods. Other cast members include Jeff Conaway, Tippi Hedren and Hunter Tylo.
    1990 - An upper level storm system produced heavy snow in the Lower Missouri Valley. Snowfall totals ranged up to nine inches at Kansas City MO, with eight inches reported at Falls City NE, Columbia MO and Saint Louis MO. Thunderstorms produced heavy snow in the Kansas City area during the evening rush hour.
    1991- WLAF Makes its Debut: The World League of American Football, part of a marketing attempt by the National Football League to extend the game's popularity in Europe, made its début as the London Monarchs defeated the Frankfurt Galaxy 24-11.
    1993- during a surprise concert in Red Bank, New Jersey, Bruce Springsteen ripped off his shirt and offered a version of Billy Ray Cyrus's "Achy Breaky Heart." Springsteen told his audience that it was a "damn good" tune. The surprise show, which benefited a local theatre and a food bank, was a warm-up for a European tour.
    1998 - The movie, "Titanic", won a record-tying 11 Oscars at the 70th Annual Academy Awards (tying the number of awards won by "Ben-Hur" in 1959). Comedian/actor Billy Crystal kept the crowd at the Shrine Auditorium, Los Angeles, and the millions watching on TV, in stitches as "Titanic" (James Cameron, Jon Landau, producers) won Best Picture; Best Director (James Cameron); Best Cinematography (Russell Carpenter); Best Art Direction-Set Decoration (Peter Lamont [art director], Michael Ford [set decorator]); Best Costume Design (Deborah Lynn Scott); Best Sound (Gary Rydstrom, Tom Johnson, Gary Summers, Mark Ulano); Best Film Editing (Conrad Buff IV, James Cameron, Richard A. Harris); Best Effects/Sound Effects Editing (Tom Bellfort, Christopher Boyes); Best Effects/Visual Effects (Robert Legato, Mark A. Lasoff, Thomas L. Fisher, Michael Kanfer); Best Music/Original Dramatic Score (James Horner); and Best Music/Song (James Horner [music] and Will Jennings [lyrics] for "My Heart Will Go On", performed by Céline Dion). Jack Nicholson and Helen Hunt took top acting honors as the misanthropic writer and the waitress who softens his heart in "As Good as it Gets". The Best Supporting Actor Oscar went to Robin Williams for "Good Will Hunting" and Best Supporting Actress was Kim Basinger for her "L.A. Confidential" part (Lynn Bracken: “Merry Christmas to you, officer.”)
    1998-The National Football League awarded an expansion franchise to the City of Cleveland. The team, to be called the Browns, as was Cleveland's former team, now the Baltimore Ravens.

NCAA Basketball Champions This Date

    1948 Kentucky
    1957 North Carolina
    1963 Loyola (L.)
    1968 UCLA



Baseball Poem

Baseball Season to Begin

by Erif Forgaard

Today I share a snow-dusted lawn
with my father
and the smell of leather

a season removed from the shy promise of spring
a lifetime removed from a youth without baseball

Today we're having the game of catch we never had
catch we should have played 25 years ago
huddled under thick jackets
there is a healing here

Back and forth
the mitts pop -
the times he was there for me
the times I wasn't there for him

amid the rustle of pines
there is a rhythm here

Back and forth
the ball floats -
across the lawn
across the years

Perhaps winter is not the time for this
perhaps his arm is not what it was

but this morning beneath the cool gray
under the white silence I am young,
and this man who walked with giants stands
breath rising,
snow falling,

a giant still