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The iFinancial Group is looking for highly motivated individuals with experience originating equipment lease transactions . We offer a relaxed work environment, provide leads and offer above industry standard commission. Call Todd Clark 888-852-5155 x223 Ten years providing financing nationwide |
Friday, May 15, 2009
Singer/Guitarist Trini Lopez (born Trinidad López III) 15 May 1937, Dallas, Texas: "If I Had a Hammer," "Lemon Tree," "Michael," "Gonna Get Along without Now." Very popular in the 1960’s and nightclubs such as in Las Vegas, Nevada. Great singer and entertainer. |
Headlines---
Classified Ads---Controller
HL Leasing Investor Blog
HL Leasing $132 Million Fraud? What’s Next?
CalFirst National Leases up 8.2% 3rd Quarter
Classified Ads---Help Wanted
Major Bank CEO: “Run this by me again”
Leasing Companies Out of Broker Business
Tyson/Treeless Mountain/Valkyrie
My Bloody Valentine/Wise Blood
Fernando’s View By Fernando F. Croce
Freddie Mac Loses $10 Billion for Quarter
Foreclosure Filings Still At Record Levels
GM says sell assets to new company Chapter 11
Nordstrom 1Q profit falls 32%
Chrysler dealers across country react to closures
News Briefs---
You May have Missed---
California Nuts Brief---
Sports Briefs---
"Gimme that Wine"
Today's Top Event in History
This Day in American History
Baseball Poem
SuDoku
Daily Puzzle
GasBuddy
Weather, USA or specific area
Traffic Live----
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Classified Ads---Controller
Controller
|
Boca Raton, FL CPA w/ Sarbanes Oxley/ 15 years management exp. as CFO/ Controller/5 yrs w/ PWC Extensive exp providing accounting/ tax guidance for the equipment lease industry. Willing to relocate. Email: bltushin@hotmail.com |
| Chicago, IL experienced in lease accounting, operations, management, and Sarbanes-Oxley. Seeking position with equipment lessor. Would consider contract assignments or relocating. Email: leasecontroller@comcast.net |
|
Southeastern, MI Controller & Management experience w/ equip lessors &broker. MBA, CPA w/ extensive accounting, management, securitization experience with public and private companies. Willing to relocate. Email: Leasebusiness@aol.com |
For a full listing of all “job wanted” ads, please go to:
http://www.leasingnews.org/Classified/Jwanted/Jwanted.htm
To place a free “job wanted” Leasing News ad:
http://www.leasingnews.org/Classified/Jwanted/Jwanted-post.htm
ELFA Career Center: Job Seekers ( free ):
http://careers.elfaonline.org/search.cfm
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HL Leasing Investor Blog
http://johnottohlleasing.blogspot.com/
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HL Leasing $132 Million Fraud? What’s Next?
John Otto
Investors in John Otto’s company HL Leasing, Inc., Fresno, California claim fraud. The claim the “American Express” leases they lent money as collateral did not exist. They want their “principal” investment back. There may be over $128 million owed. There also may be claims by other Otto’s enterprises and creditors as well as those who want to protect their interest or involvement.
None of the investors had ever heard of a UCC let alone knew how to ask for a copy of their “security.” It places them last in line as an unsecured creditor. All they got was a loan number and monthly interest payment. Until April, 2009.
How did this happen? The guessing is as the economy turned soar, less business was coming from Heritage Pacific Leasing, cut back over two years ago to a skeleton crew, to other investments, yet to hear about, as well as HL Leasing investors asking for principal back due to the economy (their agreement said they could get it back any time with a written thirty day notice, one of the draws of investing, the cash was running out and interest payments could not be met. The man considered the "big bucks" of the leasing industry, well-liked, welcome all the time, even spoken highly by people he let go, appears was leading a double life.
John Otto’s main business was a separate leasing company,
Heritage Pacific Leasing, which he started in 1984. At one time he claimed he was doing $36 million a year, primarily in agriculture equipment leases that he sold to banks. Two years ago he let almost everyone go from this operation.
Somewhere in this period he decided to skip the banks and raise money from investors. At one time, he may have operated in this manner, but appears to have grown into a Ponzi skim.
The story appeared in Leasing News on Monday, it was read by John Otto. He was to return a Monday morning telephone call about the article, “American Express” leases, interest payments, UCC filings, but left his house never to return.
It seems many believe HL Leasing President Dan Ramirez is "innocent," many claiming he said he and his family also invested. Both he and John Otto not only worked the telephones, but also appeared at investor meetings, where new and old prospects were brought together to learn more about investing in leasing.
Leasing News asked veteran attorney Tom McCurnin, Los Angeles, who won the prosecuting cases involving the CMC Leasing Ponzi scheme (remember them?). He also had the unique experience of representing American Express in the past, who John Otto said he had purchased leases from and was offering them as collateral for the investments for the last ten years.
“I have handled about a half dozen investment scams and ponzi schemes over the past three decades for both the government and the victims. While there is certainly an urge for immediate aggressive action, there are simply too many investors with divergent interests to formulate a single correct strategy.
“Receivership? This is a possible outcome, either by the Department of Corporations or the SEC. The problem with this strategy is that the Receiver works for all the investors, not just a few. So victims that pay a retainer to an attorney could find out they are funding 500 other investor’s claims. Moreover, the Receiver has the ability to set aside fraudulent conveyances, and those include payments to the investors. Yes, you heard me right, there is a whole body of law which allows the Receiver to pursue payments made to the investors as fraudulent conveyances. The lawyers could email me for a short article I wrote on Receivers, fraudulent conveyances, and the dichotomy of “winning investors” and “losing investors.”
“Involuntary Bankruptcy? This is certainly the cheapest alternative, but again, the Trustee works for all the investors, and has the same authority to prosecute fraudulent conveyances, including against the very investors that form the backbone of the unsecured creditors. It is a bit of a Robin Hood strategy (“rob from the rich and give the poor”).
“Civil Actions? I represented American Express from about 1998 to 2004, and will tell you that there were no new lease generations from about 2003 forward. All their lease assets, including physical locations, pools, and employees were transferred to Key Credit. I doubt there is a stream of payments against which the investors can tap. This sounds like a ponzi scheme to me. Moreover, if any lawyer hits it big, what would prevent a jealous investor from filing an involuntary bankruptcy and getting all that money back as a preference or fraudulent conveyance? If you think the principals of HL Leasing are both culpable and collectable to pay a multi-million dollar judgment, you may miss your mark.
While there is an urge for immediate action, be careful what you wish for—you may get it.
Tom McCurnin
Barton, Klugman & Oetting
350 South Grand Ave.
Suite 2200
Los Angeles, CA 90071
Direct Phone: (213) 617-6129
Fax: (213) 625-1832
Email: tmccurnin@bkolaw.com
Visit our Web Site at: www.bkolaw.com
Investors suspect Heritage Leasing $132 Million Fraud
http://www.leasingnews.org/archives/May%202009/05-13-09.htm#fraud
Heritage Pacific Leasing, Fresno, California
by Christopher Menkin
http://www.leasingnews.org/archives/May%202009/05-11-09.htm#hpl
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CalFirst National Leases up 8.2% 3rd Quarter
California First National, Irvine, California reports business up their third quarter:
"New lease bookings of $117.3 million for the first nine months of fiscal 2008 increased 8.2%, and along with commercial loans boarded of $48.2 million contributed to a 33% increase in loan and lease assets booked to $165.6 million during the nine months ended March 31, 2009, compared to $124.3 million for the first nine months of fiscal 2008. As a result, the net investment in leases and loans of $286.5 million at March 31, 2009 increased 9.2% from June 30, 2008 and increased 14.1% from the balance at March 31, 2008."
"The Bank s investment in leases and loans of $203.7 million at March 31, 2009 represented 71% of the Company s consolidated investment, and was up 21% from June 30, 2008."
"The Leasing Companies and CalFirst Bank focus on leasing and financing capital assets through centralized marketing programs designed to offer cost-effective leasing alternatives. Leased assets are re-marketed at lease expiration. CalFirst Bank also provides business loans to fund the purchase of assets leased by third parties, including the Leasing Companies and provides commercial loans to businesses, including real estate based and unsecured revolving lines of credit, and participates in commercial loan syndications. CalFirst Bank gathers deposits from a centralized location primarily through posting rates on the Internet."
“For the third quarter ended March 31, 2009, net earnings of $2.4 million increased $899,000, or 61%, compared to $1.5 million for the third quarter ended March 31, 2008. For the first nine months of fiscal 2009 net earnings of $6.7 million increased $1.4 million, or 26% compared to the nine months ended March 31, 2008."
Full Report:
http://www.gurufocus.com/StockLink.php?type=sec&symbol=CFNB&date=2009-05-14&report=10-Q
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Classified ads---Help Wanted
Sales
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The iFinancial Group is looking for highly motivated individuals with experience originating equipment lease transactions . We offer a relaxed work environment, provide leads and offer above industry standard commission. Call Todd Clark 888-852-5155 x223 Ten years providing financing nationwide |
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Like selling vendor programs and large transactions? CLICK HERE to find out how to have fun again. |
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Major Bank CEO: “Run this by me again”
Getting in when others lack capital is ideal. You only need capital to do it. Easy to talk about. Difficult to do today. Bank leasing is in big trouble for a while. Every day there seems to be another story, getting out of leasing, “re-alignment” such as at US Bank, Bank of the West, Bank of America, and look at old line companies such as CIT. Even mighty GE. There seems to be a new headline of cutting back, letting people go, more scandals and fraud, scaring more and more creditors.
So those on the side line say if they could only get cash, join together, raise the money…but how much? Certainly when others are getting out, getting in seems like a great opportunity to get in. So what are you talking about. In this marketplace, the writer of the following scenario believes $100 million of capital is necessary. That's not so much money, especially when the headlines talk about billions, but then again, try to unlock $100 million. Editor)
Scenario: Major Bank CEO’s office with his top Senior Credit Officer:
Major Bank CEO: Run this by me again.
Very Senior Credit Officer: Those leasing department guys want to ramp up again.
CEO: There are still leasing guys who work here? I couldn’t have been more clear about how I wanted that handled.
SCO: Well, they moved around but it’s far from them all being gone.
CEO: So what is the bright idea this time?
SCO: Some thought that we could get higher returns in leasing in this environment, it's perfect.
CEO: I don’t remember saying I wanted higher returns by putting money out, I want to get money in so I can get out from under this TARP crap. I can’t make any scratch with these Treasury guys reading everything.
SCO: Well let’s think about it, if they are pressuring us to put out money, why not look at leasing?
CEO: I am listening.
SCO: With leasing we get collateral and can easily make like 300 bips more annually.
CEO: Easily?
SCO: Sure. The way it works is that we own the equipment and get to keep the residual value upside if we do it right.
CEO: What kind of equipment?
SCO: You must remember skipper, we had like 2 bil of this stuff when we ramped up last time.
CEO: We did? Why in the world?
SCO: Early on ITC, later on tax bennies, then of course we farmed the leasing portfolio for earnings for years. Early on we were so afraid of equipment we assumed the equipment wasn't much. Anyway, everything known to man that’s tangible could be leased.
CEO: How’s the appreciation on this equipment? You telling me the world hasn't figured out residuals?
SCO: Well, I can tell you that actually it depreciates pretty much guaranteed.
CEO: Well we got hosed on real estate, they pretty much guaranteed that would always appreciate, so I guess it’s refreshing to know that this stuff is going down. Still, why would I want to have another depreciating asset on the books whether planned or accidental?
SCO: Oh its all good, it comes out of the economics. You get so much rent during the lease term that it’s no problem.
CEO: Fully amortizes the loan?
SCO: Oh it’s not a loan, it will pay off a lot of it, we get the rest of it back from equipment residual values.
CEO: Seems to me a company with excellent access to capital isn’t really going to want to lease, why not keep the equipment if the economics are good for the owner?
SCO: They tell me this is better for lesser credits. It used to be that there were some tax efficiency and off balance sheet angles to this, from what I can tell everything is in flux in that regard.
CEO: Oh goodie bring on lesser credits and non-fully amortizing loans. [Shouts to outer office] Sally, get Geithner on the line. We’re solving this crapstorm.
SCO: Wait, Skipper we get the depreciation, there’s that.
CEO: I got enough losses around here to last until we put a man on Mars. Keep trying.
SCO: These are good companies trying to be the foundation of the new economy, we are supposed to help, won’t the Treasury guys like that? Forklifts, machine tools, all this stuff they call yellow or dumb iron…
CEO: Yellow? Dumb? What’s the color of: I pass?
SCO: There’s another play I am being told to talk to you about. There are these small and medium sized leasing companies, we could lend to them. Then they can be the lessor and we kinda sit back and enjoy the fruits.
CEO: Listening, but really, c’mon now.
SCO: Its pretty good business, I think we are secured by an assignment of their leases, and we lend like 80% of the thing. If they go chest hairs up we can swoop in, collect what’s left.
CEO: That sounds worse not better. They get the profit and we get a coupon? I don’t think we should lend 50% against that s***. Hey, chest hairs up, that’s funny I coulda used that in the Chrysler meeting.
SCO: Listen, if some of these leasing companies can find a hedge fund or sugar daddy to provide 50% equity, would you play? There must be some clueless pockets of capital that believe leasing provides outsized risk free returns.
CEO: This is like asking if I would play if Giselle Bundchen rang my doorbell. Not much point answering.
SCO: There’s another aspect too, these leasing companies can build up plenty of assets and go public when the IPO market opens. Its pretty fat for all in every cycle, this feast and famine thing has been going on for a generation. What a world!
CEO: Send the Treasury guys in on your way out.
SCO: You are basically saying that without a pile of capital these leasing guys are smoking something.
CEO: Get me some of that stuff, how blissful it would be to smoke it too.
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Leasing Companies Out of Broker Business
Advantage Business Capital, Lake Oswego, Oregon
AEL Financial, Buffalo Grove, Illinois
*(No longer taking new broker business)
Balboa Capital, Irvine, Ca
Bankers Healthcare Group, Weston, FL.
C and J Leasing Corp, Des Moines, Iowa
CIT Group (limited)
Columbia Bank Leasing, Tacoma, WA
Court Square, Malvern, Pennsylvania
Creative Capital Leasing Group, LLC, San Diego, CA
Diversified Financial Service, Omaha, NE
Equipment Finance Partners, a division of Altec, located in
Birmingham, Alabama
Evans National Leasing, Inc., Hamburg, NY
Excel Financial Leasing, Lubbock Texas
First Republic Bank, San Francisco, Ca
GE Capital, Conn (limited)
Global Funding LLC., Clearwater, FL
Greystone, Burlington, MA
Heritage Pacific Leasing, Fresno, CA
Huntington Equipment Finance, Vendor Finance Group,
Bellevue, Washington
Irwin Financial (not in the U.S.)
Lakeland Bank, Montville, NJ
LaSalle Systems Leasing
LEAF Third Party Funding, Santa Barbara, Ca.
Marlin Leasing, Mount Laurel, NJ
M&T Credit (Bank)
Merrill Lynch Financial
Mesa Leasing, San Diego, California
National City, Cleveland, Ohio
Pentech Financial, Campbell, CA
PFF Bancorp, Inc, Pomona, CA
Pinnacle Business Finance, Fife, Washington
PredictiFund, a subsidiary of Capital Access Network, Inc
Popular Finance, St. Louis, Missouri
Radiance-Capital, Tacoma, WA
Sandy Springs, Olney, MD
SunBridge Capital, Mission, Kansas
Textron Financial
Union Capital Partners, Midvale, Utah
Velocity Financial Group, Rosemont, Illinois
Wachovia Bank Leasing
Washington Mutual Financial
It should be noted Bulletin Board Complaints and information regarding IFC Credit Corporation, Morton
Grove, Illinois and its affiliates, such as Pioneer Capital, Addison, Texas
Bulletin Board Complaint
IFC Credit Corp. dba First Corp.
http://www.leasingnews.org/archives/April%202009/04-29-09.htm#bbc
Bulletin Board Complaint
IFC Credit, Morton Grove, Illinois
http://www.leasingnews.org/archives/April%202009/04-08-09.htm#bbc
IFC Credit-Pioneer Leasing Up-Date
http://www.leasingnews.org/archives/March%202009/03-18-09.htm#ifc
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Fernando’s View
By Fernando F. Croce
Even non-fans of boxing will be fascinated by the documentary “Tyson,” while viewers may want to give the controversial “Valkyrie” a second chance on DVD.
In Theaters:
Tyson (Sony Pictures Classics): Mike Tyson is a fascinating camera subject in acclaimed director James Toback’s (“Fingers”) documentary. Reclining on a sofa, his head shaved and face aged, the former world’s heavyweight boxing champion faces the camera and talks about the successes and troubles of his life. Tyson remembers his early days in the streets, which earned him a stay at Juvenal Hall, as well as his apprenticeship with Cus D’Amato, the legendary boxing trainer who took the young hopeful under his wing and became a father figure for him. Toback alternates between Tyson’s often candid ruminations and footage of his rise and fall in the ring. The one-sided nature of Tyson’s comments can be problematic, especially regarding the women in his life, yet even non-fans of boxing should find this an absorbing project.’
Treeless Mountain (Oscilloscope Pictures): The world is seen through a child’s eyes in this exceptionally graceful South Korean drama about family bonds and the flow of life. Six-year-old Jin (Hee-Yeon Kim) and four-year-old Bin (Song-Hee Kim) have to spend their summer with their gruff aunt (Mi Hyang Kim) when their mother (Soo Ah Le) takes off to locate their father. The two girls count the days for their mother’s return, but will their innocence hold out as they have their first brush with the strangeness of the outside world? Displaying a fresh eye for the spontaneity of children, director So Yong Kim creates a resolutely unsentimental yet deeply moving portrait of how the innate hope of children can guide them as they enter harsh and often perplexing new stages of life. With subtitles.
New on DVD:
Valkyrie (MGM): Though it created some controversy regarding the casting of all-American Tom Cruise as famous German colonel Claus von Stauffenberg, this WWII-set drama is a solid choice for viewers just looking for some thrills and suspense. Growing more disenchanted with the way the Nazi party is running Germany in the 1940s, von Stauffenberg (Cruise) becomes the driving force behind a daring plot to kill Adolf Hitler and save the country from its own evil rulers. The outcome of his plan might not surprise anyone who knows WWII history, but director Bryan Singer (“Superman Returns”) nevertheless creates a tense atmosphere of intrigue and betrayal. And, though Cruise is too much of a superstar to vanish into the role, he’s surrounded by strong performances by a cast that includes Kenneth Branagh, Bill Nighy, and Tom Wilkinson.
My Bloody Valentine (Lionsgate): The title may lead viewers to lump this movie in with the rest of terrible horror flicks nowadays, but don’t be fooled: Bloody it may be, but it’s also engaging fun for those who like their scares laced with smarts. The story focuses on brutal doings at a mine town, where Tom (Jensen Ackles) and Sarah (Jaime King) try to mend their old relationship in the midst of a series of murders. Unlike the “Scream” films of the 1990s, director Patrick Lussier keeps smirking irony to a minimum and focuses instead on skillful frights that make imaginative, often funny use of 3-D effects. Keep an eye out for a cameo by genre staple Tom Atkins (“The Fog”).
Wise Blood (Criterion): John Huston was as much of a character as a director. Known for his brawling lifestyle as much as for his movies, he went through many valleys and peaks over the course of his life and career. So it’s a testament to his stamina and creativity that in 1979, at an age when most other filmmakers are ready to retire, he came up with this exceptional dark comedy-drama. Adapted from Flannery O’Connor’s book, it follows the bizarre travails of Hazel Moses (Brad Dourif), a traveling preacher who, beset by the strange characters of the Depression-era South, decides to start a church of his own. The superb supporting gallery, Huston’s strongest since the days of “The Maltese Falcon,” includes Harry Dean Stanton, Amy Wright, Ned Beatty, and Huston himself.
#### Press Release ##############################
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(Leasing News provides this ad “gratis” as a means
to help support the growth of Lease Police)
News Briefs----
Freddie Mac Loses $10 Billion for Quarter
http://www.washingtonpost.com/wp-dyn/content/article/2009/05/12/
AR2009051203410.html?nav=rss_business
Foreclosure Filings Still At Record Levels
http://www.creditcollectionsworld.com/article.html?id=200905141KB7YONI&from=
creditandcollectionnews
GM says it could sell assets to new company in Chapter 11
http://www.mercurynews.com/businessheadlines/ci_12373366?nclick_check=1
Nordstrom 1Q profit falls 32% but tops forecasts
http://seattletimes.nwsource.com/html/localnews/2009220618_apusearnsnordstrom.html
Chrysler dealers across country react to closures
http://www3.signonsandiego.com/stories/2009/may/14/chrysler-dealers-impact-051409
/?business&zIndex=99662
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You May have Missed---
Broadband May Save the News
http://www.internetnews.com/bus-news/article.php/3820421/Obama+Aide+Broadband+
May+Save+the+News.htm
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Sports Briefs----
Source: Favre looking for options
http://sports.espn.go.com/nfl/news/story?id=4167747
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California Nuts Briefs---
Feinstein brings back bill to legalize farm workers
http://www.contracostatimes.com/top-stories/ci_12370678?nclick_check=1
Governor’s Plan “A” and Plan “B”
http://www.sacbee.com/topstories/story/1862279.html
• Cutting the school year by from 5 to 7.5 days; increasing class sizes, and laying off more teachers.
• Slicing $510 million each from the University of California and California State University system, and replacing the money with federal stimulus funds.
• Selling state property, including the Los Angeles Coliseum, Cal Expo, the Cow Palace in San Francisco and the state prison at San Quentin.
• Reductions in monthly aid to low-income elderly, blind or disabled.
• Lowering the amount paid to in-home health care workers and limiting services to the most needy.
The worst-case budget also calls for remanding about 19,000 illegal immigrants in state prisons to the federal government, saving the state about $182 million, and transferring "low-level" inmates who were convicted of lesser crimes to county jails. That would save the state about $100 million, but drive up the counties' costs.
The plan also calls for sending layoff notices to 5,000 state workers, with the intent to have them off the payroll by the July 1 start of the fiscal year. It was unclear whether notices would be sent to some of the 20,000 state workers who were warned of possible layoffs earlier this year.
First lady's speech helps put Merced on the map
http://www.sfgate.com/cgi-bin/article.cgi?f=/c/a/2009/05/14/MNK517JUPR.DTL&tsp=1
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“Gimme that Wine”
Hinterland Vineyards Opens in Minnesota
http://www.winesandvines.com/template.cfm?section=news&content=64520&htitle=Hinter
land%20Vineyards%20Opens%20in%20Minnesota
Glass by glass, Michigan wines need to expand their market
http://www.crainsdetroit.com/article/20090511/FREE/305119992/1075
Struggling French pawning off grands crus
http://www.sfgate.com/cgi-bin/article.cgi?f=/n/a/2009/05/13/international/i065328D23.
DTL&hw=wine&sn=004&sc=358
English vineyard wins wine gold medal
http://www.guardian.co.uk/lifeandstyle/2009/may/12/camel-valley-wine-gold
Never Buy a Bad Bottle of Wine Again
http://www.slate.com/id/2217806/
Wine Prices by vintage
http://www.winezap.com
http://www.wine-searcher.com/
US/International Wine Events
http://www.localwineevents.com/
Winery Atlas
http://www.carterhouse.com/atlas/\
Leasing News Wine & Spirits Page
http://two.leasingnews.org/Recommendations/wnensprts.htm
The London International Vintners Exchange (Liv-ex) is an electronic exchange for fine wine.
http://www.liv-ex.com/
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Today's Top Event in History
1856-The Vigilance Committee was formed to clean-up San Francisco
( lower half of http://memory.loc.gov/ammem/today/may15.html )
[headlines]
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This Day in American History
|
1602- Captain Bartholomew Gosnold, who left Falmouth , England on March 26,1602 landed on the southern Maine coast near what is now Cape Porpoise . He became the first Englishman to explore the United States . He anchored his ship at what is now New Bedford , Massachusetts . He named Cape Cod, Martha's Vineyard , and other landmarks. |
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The object is to insert the numbers in the boxes to satisfy only one condition: each row, column and 3x3 box must contain the digits 1 through 9 exactly once. What could be simpler?
http://leasingnews.org/Soduku/soduko-main.htm
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Daily Puzzle
How to play:
http://www.setgame.com/set/puzzle_frame.htm
Refresh for current date:
http://www.setgame.com/set/puzzle_frame.htm
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http://www.gasbuddy.com/GB_Map_Gas_Prices.aspx
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See USA map, click to specific area, no commercials
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You can save up to 20 different routes and check them out with one click,
or type in a new route to learn the traffic live
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