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Bulletin Board Complaint
Liberty Capital, LLC, Aliso Viejo, California

March 28, 2012 Christopher Marques as owner of Marques Countertops, Slidell, Louisiana, signed a proposal with Liberty Capital, LLC, 27068 La Paz Road, #181, Aliso Viejo, California 92656 for $730,100 for CNC marble cutting equipment in a 60 month terms with specific payments which required an upfront payment of $30,644.00 and was signed by Nathan Olsen, Customer Advocate, Liberty Capital, LLC.

The second paragraph of the proposal stated, "The upfront payment check you Mail to Liberty Capital will serve along with this signed proposal as your commitment to use Liberty Capital exclusively for the leasing of this equipment and will be treated as an origination fee for arranging the financing of your equipment. This proposal expires on 3/30/2011 (bold marking added by Leasing News. editor). If we do not receive the signed proposal and check for the upfront payment amount listed above by the expiration date, payments and terms may vary."
(1)

April 3, 2012 Christopher Marques sent in a check for $7,700.

There are many emails back and forth as well as text messages, that Mr. Marques sent copies of both.

What transpires is an alleged approval for $95,000 with first and last, and a request for the $23,000 to complete the original proposal. To produce the $23,000, reportedly Nathan Olsen suggests existing equipment be leased through a vendor friend (Note above, part of an origination fee).

May 8, 2012 from Christopher Marques:

" Nathan,

"I have chosen not to move forward with Liberty Capital due to the nature of the ‘working capital’ deal that you have procured. I do not believe that it is lawful to sell me my own equipment through a friend of yours to "refinance" the already owned piece. It was always portrayed to me that you were using my existing equipment as collateral. Only at the very end of the conversation was I informed of your intentions.

“Please return the deposit of 7700.00 to me for the original deal for ‘new equipment.’ I understand that this deal is separate from the working capital portion, but I am now uncomfortable working with your company knowing that your dealings are not always forthcoming."

Chris Marques

May 24, 2012 Leasing News contacted Mr. Olsen, requesting the $7700 be returned on two points: (1) the original May 28, 2012 proposal was not was not completed as only $7700 was provided, as well as (2) Mr. Marques is requesting the fee not be returned as no lease was provided for the dollar amount and terms as per the proposal signed by Mr. Marques."

Mr. Olsen responded:

“Not sure I can agree with you on either point though I respect your opinion Kit, always a pleasure to hear from you."

Nathan

Nathan Olsen was involved in a Bulletin Board Complaint with iFinancial Group dated August, 22, 2011 as the originating party to the lease that was sent to iFinancial.

Who is Nathan Olsen at Liberty Capital:

Olsen identifies himself in LinkedIn as a "commercial loan officer,” Liberty Capital, April, 1998 to present (the incorporation shows Liberty Capital was formed 5/30/2010---see below); prior regional operations, Santa Barbara, Wells Fargo Bank, April, 1994-July, 1998 and a college graduate in economics, financing, and accounting at the University of California, Santa Barbara (1994-1998). (Leasing News was unable to obtain information from Wells Fargo Human Resource Department or the UC Santa Barbara Alumni Division). http://www.linkedin.com/profile/view?id=84661423&locale=en_US&trk=tyah2 )

Liberty Capital, LCC is not listed as a California Finance Lender; another reason the $7,700 should be return.

There was no comment regarding the following information sent to Mr. Olsen:

Liberty Capital, LLC was incorporated 5/03/2010 in Truckee, California with Darrell Olsen. He also owns Darrel Olsen Insurance which is located at the same address where Liberty Capital LLC is listed in the Corp. Database. Here is the insurance listing and phone number:
http://www.insuranceproviders.com/agents/olsen-darrel-olsen-insurance-truckee

It also appears Nathan Olsen had a company called Green Turtle Corp. which was "Suspended” and perhaps why he does not have a Finance Lender’s License in California nor the corporation in his name.

Suspended or Forfeited: The business entity's powers, rights and privileges were suspended or forfeited in California 1) by the Franchise Tax Board for failure to file a return and/or failure to pay taxes, penalties, or interest; and/or 2) by the Secretary of State for failure to file the required Statement of Information and, if applicable, the required Statement by Common Interest Development Association. Information regarding the type of suspension can be obtained by ordering a status report. For information on ordering a status report, refer to Information Requests.

Liberty Capital Marques Countertops Proposal
http://leasingnews.org/PDF/LibertyCapitalMarquesCountertopsProposal.pdf

iFinancial Bulletin Board Complaint
http://leasingnews.org/archives/Aug2011/8_22.htm#ifinancial

John Kenny Receivables Management

• End of Lease Negotiations & Enforcement

• Fraud Investigations
• Credit Investigations • Asset Searches
• Skip-tracing • Third-party Commercial Collections

john@jkrmdirect.com | ph 315-866-1167| www.jkrmdirect.com

(Leasing News provides this ad as a trade for investigations
and background information provided by John Kenny)

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Classified Ads---Sales Manager

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

Fort Myers, Florida
Very experienced and strong skills with both Captive and Specialty Sales Management. Over 25 years , will relocate and travel---successful and team player.
e-mail: tlinspections@gmail.com

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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My Visit to Facebook, Menlo Park, California
By Christopher Menkin

(Photo: Facebook Campus)

You take the Willow Street exit off Highway 101 right on the freeway at the border between Santa Clara County and San Mateo County. You meander through East Palo Alto, some old time places, until Menlo Park where there are more modern stores and appearances--drive straight until the road ends at the Bayshore.

To readers not familiar with the San Francisco Peninsula, it is 31 miles south from where my best friend's eldest son lives in San Francisco, around 45 minutes, including the walk to the Facebook shuttle that picks up employees in his area. The shuttle is a modern bus that has Wi-Fi and other amenities.

I was surprised to learn Facebook prefers you not to work at home, so the trip to work in the morning is getting ready, he says. He really looks forward to the commute. He even likes to come in early, work out at the gym, take a shower, and be ready to go all day with a lot of energy.

The Menlo Park Facebook Facility was formerly Sun Microsystems, their major site on the San Francisco Peninsula; ironically not far from the headquarters of Oracle, who purchased the company. The layout reminds me of a college campus with many bicycles around for employees to ride as the promenade is very long, at least six or seven football fields, maybe longer, well planted with trees and open space. There are murals, paintings, and it really looks like a fun place to work.

Everyone dresses as if they are at home, meaning no ties, no white shirts, and looking very young (which most are). Don’t get me wrong, they are clean cut, attractive, but to a guy who wore a suit with tie to work for almost 30 years, it sure is a definite change.

Esprit de corps was very high, actually people laughing and smiling, enjoying each company as they were walking to where they wanted to go. All for free: a Mexican place (burritos/tacos), a BBQ joint (ribs, pulled pork, chicken, pizza by the slice, and a place that changes menus such as having), a Japanese food or super healthy menus. All the drinks are free.

They have dry cleaners available, as well as a dentist. Gyms, as well as treadmills with a workstation on top so you could run or walk and work at the same time.

Not all the buildings are occupied, according to the Facebook Menlo Park Campus web site. Facebook has publically purchased surrounding land and as the statistics show the long term goals are 9,400 people at this location. They are seeking to get permits from the Menlo Park City Council and become the jewel of the city.

He works in the real estate department and they are involved in leases, purchasing, designing, planning, and facilities all over the world. I don’t know what he does there, as he says he prefers to keep all information private. They all look very busy, and I even met a department head who was over 30 years of age. He took his father, my best friend since 1963 when we met at KFRC radio in San Francisco, on a tour and out for lunch (we had Mexican. Fresh home made chips, too.)

Security is very strong. It was funny to get the badges as the monitors of the “sign in line” show Apple, HP, and Dell labels. Now that is public relations, nothing overlooked. I also think the security men walk in pairs, and were the only ones wearing sports type jacket. All the Silicon Valley companies are very security conscious. You definitely are safe working here!

I can't tell you how much I was impressed with the "vibes" of the young people and the enjoyment they exhibit working here. It seems not only the money, the stock options, the free food, transportation, but the general sense of being part of Facebook.

I view Facebook as a worldwide television network (they have no real competition in this concept that have the number of members and ease of use, larger than CBS, NBC, and ABC combined). I think the social media has value for personal contacts, photo's, information to friends and relatives who you don't see very often or would like to see more often, as well as products for sale, promotions of events, activities. With all the other extras, it competes for not only other internet time, but radio, TV, and cable television. For businesses, you also don't have to pay to advertise, meaning you can construct your own page and build up your own following---or you can pay to advertise or promote, too. You win ether way.

Netlingo.com says "Primarily, social media depends on interactions between people as the discussion and integration of words builds shared-meaning, using technology as a conduit. Among overall online users, reading others' comments on a Web site and reading blogs are the most popular social media activities."

There seems to be generations divide between, as noted in:
Doing Business with Different Generations
http://leasingnews.org/archives/May2012/5_18.htm#generations

From what I could see at the Menlo Park Facebook campus, there are more things to come this year and several years to follow as this team is working creatively together and most important, looking very forward to going to work at Facebook each day.

Top Leasing/Finance Vendor Funders

The “Monitor Daily” in their May/June 2012 "Vendor Finance Issue" internet digital edition report:

Vendor/Dealer New Business Activity
(in millions--numbers rounded off)

$11,402 De Lage Landen Financial Services
$3,608 Banc of America Leasing
$2,982 Wells Fargo Equipment Finance
$2,577 CIT Group
$1,819 Key Equipment Finance
$1,588 U.S. Bank Finance
$1,088 PNC Equipment Finance
$691 Bank of the West
$661 TCF EF/Winthrop Resources
$525 GreatAmerican Leasing
$472 Societe Generale EF USA
$218 Marlin Leasing
$173 BMO Harris Equipment Finance
$170 Med One Capital
$170 Co-active Partners
$135 TD Equipment Finance
$133 Stearns Bank
$122 LEAF Commercial Credit
$119 People's Capital & Leasing
$111 Direct Capital
$75 Susquehanna Commercial Finance
$69 Western Equipment Finance
$65 Lease Corporation of America
$49 Somerset Capital Group
$49 Eastern Funding

While many on the list seemed to be in same category, there were some shifts. The greatest CIT Group going from ($9,733 in 2007 to $2,577 in 2011 with the vice versa of De Lage Landen going from $7,114 in 2007 to 11, 402 in 2011.

The good news is 2011 year-end totals are very close to the 2007 top total of $30,476: $29,074 for 2011.

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Banks Continuing to Lend and also Improve Net income

Despite the negative news that this political season is bringing to the news media, this is the 11th consecutive quarter that commercial banks and savings institutions have registered a year-over-year increase, according to the Federal Deposit Insurance Corporation. All you seem to read is news that banks aren’t lending. The actual numbers prove otherwsie.

The latest shows $25.3 billion in the first quarter of 2012, a $6.6 billion improvement from the $28.8 billion in the same quarter last year.

More than two-thirds of all institutions (67.5 percent) reported improvements in their quarterly net income from a year ago. Also, the share of institutions reporting net losses for the quarter fell to 10.3 percent from 15.7 percent a year earlier. The average return on assets (ROA), a basic yardstick of profitability, rose to 1.02 percent from 0.86 percent a year ago.

Lower provisions for loan losses and higher noninterest income were responsible for most of the year-over-year improvement in earnings. First-quarter loss provisions totaled $14.3 billion, almost one-third less than the $20.9 billion that insured institutions set aside for losses in the first quarter of 2011. Net operating revenue (net interest income plus total noninterest income) totaled $169.6 billion, an increase of $5 billion (3.1 percent) from a year earlier, as gains from loan sales rose by $2.3 billion. Realized gains on investment securities and other assets were $2 billion higher than in the first quarter of 2011.

The number of "problem" institutions fell for the fourth quarter in a row. The number of "problem" institutions declined from 813 to 772. This is the smallest number of "problem" banks since year-end 2009. Total assets of "problem" institutions declined from $319 billion to $292 billion. Sixteen insured institutions failed during the first quarter. This is the smallest number of failures in a quarter since the fourth quarter of 2008, when there were 12.

The Deposit Insurance Fund (DIF) balance continued to increase. The DIF balance — the net worth of the fund — rose to $15.3 billion at March 31 from $11.8 billion at the end of 2011. Assessment revenue and fewer bank failures continued to drive growth in the fund balance. The contingent loss reserve, which covers the costs of expected failures, fell from $6.5 billion to $5.3 billion during the quarter. Estimated insured deposits grew 0.7 percent in the first quarter.

"In summary, indicators of financial strength and asset quality continued to improve in the first quarter, but the process of recovery is clearly still ongoing," Acting Chairman Gruenberg said. He added, "The improved financial condition of the industry has not yet translated into sustained loan growth. We will continue to watch this indicator closely."

Complete Quarterly Banking Profile:
http://www2.fdic.gov/qbp/?source=govdelivery

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Gary DiLillo, President 440.871.0555 or gary@avptc.com

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Career Crossroad
—“Copier Salesman wants to get into leasing”

Question: I am interested in getting into the equipment leasing industry. I do not have prior industry experience, but a lot of experience in the copier industry in a sales capacity. How should I approach getting into leasing?

Answer: RII truly specializes in this industry (Equipment Leasing/Finance) and our Clients require that our Candidates have experience IN the industry. On the operational side, companies are open to Candidates that have been out of the industry (off/on) or from the commercial banking / finance world.

On the business development side, companies are ONLY interested in Candidates that are currently in the industry (or recently); 99.8% require deals and/or vendor relationships to bring.

However, since you are currently with a company in the Copier Industry, your best bet would be to approach a CAPTIVE copier company. All the manors such as HP, Canon, Konica Minolta, Epson, Dell, Lexmark, and you probably know many more have leasing department. Go on line to the HR and see if they have a position open in leasing. Your expertise in this asset class would make your background desirable to this type of organization.

However, be aware the captive niche also went through restructuring / changes over the last 3 years so there will not be an abundant amount of “openings”.

When approaching of course emphasize your expertise in the copier industry and your successes.

Good luck, if you need assistance we are here to serve you, I have some further ideas! Do not hesitate to call us!

---

Readers, please note: we have openings for senior equipment leasing industry accountants, as well as leasing sales reps/teams/portfolios through the country. Our clients have excellent reputations.

Emily Fitzpatrick

Sr. Recruiter
Recruiters International, Inc.
Phone: 954-885-9241
Cell: 954-612-0567
emily@riirecruit.com

Career Crossroads Previous Columns
http://www.leasingnews.org/Conscious-Top%20Stories/crossroad.html

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Classified Ads---Help Wanted

Leasing News Help Wanted Ad Pricing

Help Wanted Web Ad New Programs

Classified Ad Section
(rotates chronological above headlines and
also appears in Classified Ad section.) *

21 days in a row:
$595 four lines (a space is a line)
($40 each additional line or space)

Design work is free. Logo is free as well as company description not to exceed the number of lines of the ad.
Also free: click to a click to a web site or a full description of the position.

Ads are placed in the "Help Wanted' section by category, alphabetical, with the ad with the most lines first in the group. They appear on the web site and in each news edition at the top in a rotation basis per issue.

* Help Wanted” ads appear in each issue on a chronological basis above the top headline as a courtesy. This position is not available as a paid position, but is generally on a rotation basis. At the same time, the ad continues in the classified help wanted section in the news edition and web site, so in effect appears twice.

Leasing News reserves the right to refuse advertising, particularly to a company that has appeared in the complaint bulletin board

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Leasing 102
by Mr. Terry Winders, CLP

“Mid-year Marketing Shift”

Well, how is your marketing plan for 2012 working out?

Are you meeting your guidelines?

Did you hit your first quarter goals?

Now that we are half way through the second quarter, how are you fairing?

Some I talk to are actually ahead of their marketing or business plan this year--- and some are not. To those that are ahead, I recommend a review of the booked business to determine where you success is coming from and then revise your next six month plan to consolidate and get your arms around those markets. That may mean that you will have to turn away from some markets that are providing you business. When times are good many vendors will send business to a larger group of lessors to make sure the turnaround time on decisions does not hurt, and they also have the chance to resubmit to other lessors to fund poorer credits. So look at your credit approval to book ratio, not just how many applications you received. Then backwards, look at the applications received that were turned down, and its ratio per vendor.

If you have an overflow of business, you should determine your best sources and make sure they have priority in your back office. One of the difficulties coming out of a poor marketing season into a good one is you unpreparedness to handle the back office with any great sense of urgency. Therefore if your best sources do not get priority you may lose them over time to a more aggressive competitor. Management is as necessary in good times as in bad, perhaps even more necessary in poorer times.

I like consistency, but have you ever notice going into a restaurant early and not many customers and the waiters stand around talking, making the service poor? When they are busy, the waiters are really with it, and service is much better. Look at your operation and yourself in the same manner.

You should review the new markets you have booked and make a determination if it is one you want to expand into or one that you may wish to downplay. I have always suggested increased commissions in markets you want to hold on to and reduced commissions in markets not in your plan. The time to review and consolidate is when a fair amount of business is coming in. Some lessors will just hire more help and expand expenses to handle the increased business only to find when business falls off, things will get very tight very fast. If you focus on your chosen markets and improve your service you have a better chance to remain strong in both good times and bad.

If business is slow then you need to revisit your marketing or business plan and refocus on different markets. Try and find business that leads a recovery instead of those who follow it. As an example recreation follows and transportation. Take out your book on manufactures and distributors in your area and look for those who would appear to be those who can be leaders with products that are needed to support a recovery. I would also look for sales personnel that come with markets that you would like to penetrate instead of just looking for good sales people. They may cost more but they become productive much faster. They understand the equipment and the customers, and you will be surprised how quickly they pick up on using leasing to help their vendors and clients improve their business with excellent lease performance.

It appears that the indicators are beginning to show activity so now is the time to get out there and look for business. Plus it looks like the accounting changes are still a ways off, so there are still reasons to lease that we have be have been selling ever since 1986.

Mr. Terry Winders, CLP, has been a teacher, consultant, expert witness for the leasing industry for thirty-five years and can be reached at leaseconsulting@msn.com or 502-649-0448

He invites your questions and queries.

Previous #102 Columns:
http://www.leasingnews.org/Conscious-Top%20Stories/Leasing_102/Index.htm

Mr. Terry Winders available as Expert Witness. 35 years as a professional instructor to the top equipment leasing and finance companies in the United States, author of several books, including DVD's, as well as weekly columnist to Leasing News. He also performs audits of leasing companies as an expert on documentation, and has acted as an expert witness on leasing for litigation in legal and tax disputes, including before the IRS. He also has taught the senior bank examiners, how to review a bank leasing department, for the Federal Reserve in Washington D.C. and has trained the examiners for the FDIC on how to prepare a lease portfolio for sale.

Mr. Winders received his Master of Business Administration and his Bachelor of Science degrees from the College of Notre Dame.

502.649.0488/Leaseconsulting@msn.com

(This ad is a “trade” for the writing of this column. Opinions
contained in the column are those of Mr. Terry Winders, CLP)

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Top Stories May 22--May 24

Here are the top ten sorties opened by readers:

(1) Ten Most Expensive Cars Driven by Top Leasing Execs
http://leasingnews.org/archives/May2012/5_24.htm#cars

(2) Correction: Evergreen Legal in all 50 states
http://leasingnews.org/archives/May2012/5_22.htm#correction

(3) May 24, 2000 Archive---“damnbroker”
http://leasingnews.org/archives/May2012/5_24.htm#archive

(4) New Broker Division Opened by Forum Financial
http://leasingnews.org/archives/May2012/5_22.htm#forum

(5) Vendor Vartanian Makes Lease Fleece Plea Agreement
http://leasingnews.org/archives/May2012/5_22.htm#vendor

(6) Leasing 102 by Mr. Terry Winders, CLP
The Uniform Commercial Code (UCC) and Drafting a Lease
http://leasingnews.org/archives/May2012/5_22.htm#ucc

(7) New Hires---Promotions
http://leasingnews.org/archives/May2012/5_24.htm#hires

(8) NAELB New Officers/Congratulations/Farewells
http://leasingnews.org/archives/May2012/5_22.htm#naelb

(9) Southern California Leasing, Inc. joins
Companies who notify lessee in advance of lease expiration
and require their discounter to also notify lessee in advance
http://leasingnews.org/archives/May2012/5_24.htm#expiration

(Tie)(10) CLP Foundation Announces New Executive Director
http://leasingnews.org/archives/May2012/5_24.htm#clp

(Tie) (10) Leasing Association 2012 Conferences--Up-date
http://leasingnews.org/archives/May2012/5_24.htm#conference

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

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Google Visits De Lage Landen Financial Services

To find out how De Lage Landen Financial Services is leading the field, Leasing News searched Google and found in their traveling vehicle photo section they had sent a team to their offices in Wayne, Pennsylvania:

Send Leasing News to a colleague.
Ask them to subscribe. We are Free!!

[headlines]
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German Shorthaired Pointer
Menlo Park, California Adopt-a-Dog

Bennett

ID#: 4156205
Breed: German Shorthaired Pointer
Color: Unknown
Age: Adult
Size: Med. 26-60 lbs (12-27 kg)
Sex: Male

"I am already neutered, housetrained, purebred, up to date with shots, good with kids, good with dogs, and good with cats."

Bennet's Story...

"Bennet's an 8-year-old male GSP who found himself in the slammer, we mean shelter. He's now safe in a foster home and is in good health. Whew! At about 50 lbs. he's on the smaller side which is nice. There are so many great things to say about Bennet. He loves people and is great with kids. He's living with four, the youngest being 6. Bennet loves to play and has plenty of energy. He loves to play fetch and will carry a stuffed toy around in his mouth. This wonderful chap is housebroken and hasn't chewed on or gotten into anything he shouldn't. Cats are a fun chase game for Bennet, but he hasn't tried to hurt the cat he's living with. He likes to be with his people and would do best in a home where someone is around much of the time. Right now he's living with three other dogs and gets along well with two of the three. The female who is in charge of the pack and Bennet don't really see eye to eye. We think he'd be best with a more submissive doggie housemate. He ignores the horses and goats and the neighbor's geese, turkeys and chickens."

Rescue Group: NorCal German Shorthaired Pointer Rescue
Pet ID #: 4156205
Phone: (408) 402-2092
Let 'em know you saw "Bennet" on Adopt-a-Pet.com!
E-mail: adopt@norcalgsprescue.org
Website: http://www.NorCalGSPrescue.org
Address: PO Box 933
Menlo Park, CA 94026

Adopt-a-Pet by Leasing Co. State/City
http://www.leasingnews.org/Conscious-Top%20Stories/Adopt_Pet.htm

Adopt a Pet
http://www.adoptapet.com/

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Open Positions at Leasing Funders/Various Locations

(Most of the listing have "open positions." While you may find ones that do not, check back later, as they may have added an opening.)

Advantage Funding
http://www.advantagefund.com/employment.htm

AIG
http://www.aigcorporate.com/addresources/globalcareers.html

Altec
https://careers.altec.com/psc/P90HALT_APP/APPLICANT/HRMS/
c/HRS_HRAM.HRS_CE.GBL?nocrumbs=yes&

Alter Moneta
http://www.altermoneta.com/careers/opportunities.html

Atlas Copco
http://www.atlascopco.com/us/careers/openjobs/

Balboa Capital
http://www.balboacapital.com/about_us/careers.aspx

Bank of America
http://careers.bankofamerica.com/overview/overview.asp

Bank of Ozarks
https://bankozarks.applicantharbor.com/jobmainlist.php?a=m

Bank of the West
https://www.bankofthewest.com/about-us/careers/job-search.html
(type in state, and keyword leasing or category)

CIT Job Openings
http://sj.tbe.taleo.net/SJ1/ats/careers/jobSearch.jsp?org=CIT&cws=1

CSI Leasing
http://www.csileasing.com/ViewJobPostings.aspx

Data Sales
http://www.datasales.com/open_jobs.html

De Lage Landen Financial
https://tbe.taleo.net/NA4/ats/careers/jobSearch.jsp?org=DELAGELANDEN&cws=1

Direct Capital
http://tbe.taleo.net/NA2/ats/careers/jobSearch.jsp?org=DIRECTCAPITAL&cws=1

Farm Credit
http://www.farmcreditnetwork.com/careers/opportunities

Financial Pacific
http://www.finpac.com/careers.aspx

Fifth-Third Bank
https://cvg53.cvgs.net/Main/careerportal/JobAgent.cfm

GE Capital
www.ge.com/careers

GreatAmerica Leasing
http://jobs.greatamerica.com/

Hillcrest Bank
https://www.hillcrestbank.com/Careers.aspx

Home Savings Bank
http://www.home-savings-bank.com/careers.php

Huntington Bank
https://www.huntington.com/us/HNB3400.htm

Key Bank
Click here

Marlin Business Services
Key (not available at this time)
https://www.marlinleasing.com/Careers/joblisting.html?location=all

Madi$on Capital
http://www.madisoncapital.com/employment.php?expandable=3&subexpandable=5

Meridian Bank
https://www.meridianbank.com/careers.html

Microfinancial/Timepayment
http://www.hirebridge.com/jobseeker2/Searchjobresults.asp?cid=5224

Northern California Farm Credit (office listings)
http://www.norcalfc.com/locations.html

People's United Bank
https://www3.ultirecruit.com/PEO1003/JobBoard/ListJobs.aspx

PL Capital
http://www.plcapital.com/careers.asp

Prime Alliance Bank
http://www.primealliancebank.com/home/careers

Regions Bank
https://regions.taleo.net/careersection/2/jobsearch.ftl

Republic Financial
http://tbe.taleo.net/NA8/ats/careers/jobSearch.jsp?org=REPUBLICFINANCIAL&cws=1

Sterling Bank
https://www.synovus.apply2jobs.com/ProfExt/index.cfm?fuseaction=m
External.showSearchInterface

TCF Bank
https://tcfbank.taleo.net/careersection/corporate/jobsearch.ftl?lang=en

TD Bank
https://tderec.ijob.com/recruit/servlet/com.lawson.ijob.util.Login

US Bank
(type position in blank space and/or state)
http://www.usbank.com/cgi_w/cfm/careers/careers.cfm

Wells Fargo
https://employment.wellsfargo.com/psp/PSEA/APPLICANT_NW/HRMS/c/HRS_HRAM.HRS_CE.GBL

Zions Bank
https://zionsbancorp.taleo.net/careersection/zfnbexternal/jobsearch.ftl?lang=en

Leasing News invites other employers to list their "open positions." The listing is free.

News Briefs----

Costco to Compete with Community Banks
http://www.cutimes.com/2012/05/29/lending-competition-new-rivals-woo-small-businesse?ref=hp

Restaurants to Add 450,000 Summer Jobs
http://www.restaurant.org/pressroom/pressrelease/?ID=2285

Steven Tyler’s $1.1 million, 1,244 HP convertible
http://autos.yahoo.com/news/steven-tyler%E2%80%99s--1-1-million--1-244-hp-convertible.html

Times-Picayune Cutback Shocks New Orleans
http://www.courthousenews.com/2012/05/29/46894.htm

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SparkPeople--Live Healthier and Longer

The Benefits of Cross-Training
http://www.sparkpeople.com/resource/fitness_articles.asp?id=1593

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Sports Briefs----

IFL team releases Terrell Owens
http://espn.go.com/dallas/nfl/story/_/id/7984924/terrell-owens-cut-indoor-football-team-loses-ownership-share

Who will lead the 49ersin receptions?
http://blog.sfgate.com/49ers/2012/05/29/who-will-lead-the-team-in-receptions/

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Baseball Poem

The Night Game

by Robert Pinsky

Some of us believe
We would have conceived romantic
Love out of our own passions
With no precedents,
Without songs and poetry--
Or have invented poetry and music
As a comb of cells for the honey.

Shaped by ignorance,
A succession of new worlds,
Congruities improvised by
Immigrants or children.

I once thought most people were Italian,
Jewish or Colored.
To be white and called
Something like Ed Ford
Seemed aristocratic,
A rare distinction.

Possibly I believed only gentiles
And blonds could be left-handed.

Already famous
After one year in the majors,
Whitey Ford was drafted by the Army
To play ball in the flannels
Of the Signal Corps, stationed
In Long Branch, New Jersey.

A night game, the silver potion
Of the lights, his pink skin
Shining like a burn.

Never a player
I liked or hated: a Yankee,
A mere success.

But white the chalked-off lines
In the grass, white and green
The immaculate uniform,
And white the unpigmented
Halo of his hair
When he shifted his cap:

So ordinary and distinct,
So close up, that I felt
As if I could have made him up,
Imagined him as I imagined

The ball, a scintilla
High in the black backdrop
Of the sky. Tight red stitches.
Rawlings. The bleached

Horsehide white: the color
Of nothing. Color of the past
And of the future, of the movie screen
At rest and of blank paper.

"I could have." The mind. The black
Backdrop, the white
Fly picked out by the towering
Lights. A few years later

On a blanket in the grass
By the same river
A girl and I came into
Being together
To the faint muttering
Of unthinkable
Troubadours and radios.

The emerald
Theater, the night.
Another time,
I devised a left-hander
Even more gifted
Than Whitey Ford: A Dodger.
People were amazed by him.
Once, when he was young,
He refused to pitch on Yom Kippur.

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California Nuts Briefs---

CSU spends $2M on presidential home renovations in past decade
http://www.sacbee.com/2012/05/28/4522172/csu-spends-2m-on-presidential.html

Oysters to be highlighted Saturday at Marin History Museum event in San Rafael
http://www.marinij.com/westmarin/ci_20736521/oysters-be-highlighted-saturday-at-marin-history-museum

California 9/11 license plate fund raided for deficits
http://www.contracostatimes.com/california/ci_20735945/ap-exclusive-california-9-11-license-plate-fund

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“Gimme that Wine”

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

Largest-Ever California Winery Delegation Embarks On China-Hong Kong Trade Visit
http://www.winebusiness.com/news/?go=getArticle&dataid=101189

Frank Arciero, famed Paso Robles vintner, dies at 86
http://www.sanluisobispo.com/2012/05/25/2081491/frank-arciero-famed-paso-vintner.html

California Farmers scrambling to find harvest labor
http://www.sfgate.com/cgi-bin/article.cgi?f=/c/a/2012/05/27/BUAK1OLQ31.DT

A bounty of 2011 rosé: The SF Chronicle recommends
http://www.sfgate.com/cgi-bin/article.cgi?f=/c/a/2012/05/27/FDNF1OMMSQ.DTL

Winemaking Lures the Wealthy, but Not With Profits
http://www.nytimes.com/2012/05/26/your-money/winemaking-lures-the-wealthy-but-not-with-profits.html

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/

Winery Atlas
http://www.carterhouse.com/atlas/\

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

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This Day in History

   1498 - Christopher Columbus set sail with six ships from Sanlucar in Spain on his third voyage of exploration to the Americas. In reality, he never discovered the main land, only a group of islands in the Bahama's that he thought were islands off of India, thus he named the natives he found on these islands: Indians. And why we call the native American Indians this name. The scuttlebutt of the time was that these natives were the lost tribe of the Hebrews (I am not making this up. Read your history.) Historians have also proven that Cristo Colombo was Jewish, as was his navigator who actually is the one who sited the land. As well as Queen Isabella never financed the journal (this was made up by children's story tellers). He actually was financed by two Jewish merchants.
    1539 - Spanish explorer Hernando de Soto landed at Tampa Bay, Florida, with 600 soldiers in search of gold. Hernando de Soto returned to the New World at the head of a 1,000-man expedition into North America. He landed near present-day Tampa Bay and proceeded through what is now Alabama and Tennessee, making treaties with some Indian, viciously fighting with others.
http://www.floridahistory.com/inset11.html
http://www.floridahistory.com/inset44.html
    1734- Benjamin Franklin published the first American Masonic Book. The Masons were a strong movement for several centuries in America.
http://members.aol.com/jobiefamly/benfrank.htm
http://www.npg.si.edu/exh/franklin/chamber.htm
    1783- the Pennsylvania Evening Post became the first daily newspaper published in the US. The paper was published at Philadelphia, PA, by Benjamin Towne.
http://www.historycooperative.org/journals/ht/35.1/br_4.html
    1806- Dueling was common in early America. Future president Andrew Jackson shot and killed Charles Dickson this day at Harrison's Mills on the Red River, Logan County, KY. The combatants stood 24 feet apart. Dickinson fired first. The shot broke a couple of Jackson's ribs and grazed his breastbone. Despite the injury, Jackson fired and killed Dickinson. It was one of a hundred duels and brawls in which Jackson is said to have participated. Jackson served as president of the United States from March 4, 1829, to March 3, 1837.
    1818-May 30 Douglas and Lincoln not allowed to speak at funeral
http://www.geocities.com/logicalthinker_2000/Freddouglass.html
    1848- William G. Young of Baltimore, MD patented the “ice cream freezer.” A record of a purchase for a “cream machine for ice” is contained in George Washington's expense ledger under date of May 17,1784, and there were such machines dated earlier, but this is the first patent and production manufacturing of it followed for two centuries.
http://www.napalinks.com/website/002/page-03.htm
    1854 - The territories of Nebraska and Kansas were established. The governor of the Kansas Territory was James William Denver. Pres. Pierce kept appointing proslavery governors. The Kansas-Nebraska Act repealed the Missouri Compromise and opened the north to slavery. This period of Kansas history was incorporated into the 1998 novel “The All-True Travels and Adventures of Lidie Newton,” by Jane Smiley.
    1868 - Memorial Day was observed for the first time in the United States -- at the request of General John A. Logan, the national commander of the Grand Army of the Republic. It was first called Decoration Day because the General had seen women decorating graves of Civil War heroes.
http://www.historychannel.com/cgi-bin/frameit.cgi?p=http%3A//www.historychannel.com/
exhibits/memorial/memorial.html
http://memory.loc.gov/ammem/today/may30.html
    1879 - A major outbreak of severe weather occurred in Kansas and Western Missouri. Tornadoes in Kansas killed 18 persons at Delphos and claimed 30 lives at Irving where two twisters struck within minutes of one another, reducing the small community to rubble. The second tornado was perhaps two miles wide and exhibited multiple vortices.
    1886-Seeing eye dog creator Dorothy Wood Eustis born in Philadelphia, Pennsylvania. As a widow she moved from the U.S. to Switzerland where she continued her experiments in breeding German Shepherd dogs of great intelligence and easy dispositions. Her dogs were soon in great demand all over Europe for police work. A school was developed in Europe to train the intelligent dogs for what we know today as the seeing eye dogs for the blind. She returned to the U.S. to establish the seeing eye movement, setting up a training school for dogs and owners. At her death her school had trained more than 1300 guide dogs for the blind - all based on her breeding acumen.
http://search.eb.com/women/articles/Eustis_Dorothy_Leib_Harrison_Wood.html
    1902-birthday of actor/comedian Stepin Fetchit, Key West, FL Died, Woodland Hills, CA. 1985
http://us.imdb.com/Name?Fetchit,+Stepin
    1903-birthday of African-American poet Countee Cullen, Baltimore, MD
http://members.aol.com/hynews/cullen.htm
http://www.nku.edu/~diesmanj/cullen.html
    1905-birthday of trumpet player Sidney DeParis, Crawfordsville, IN
http://www.centrohd.com/biogra/d2/sidney_deparis_b.htm
http://www.centrohd.com/biogra/d2/sidney_deparis_b.htm
    1909-Benny Goodman' birthday
http://www.duke.edu/~eca/
http://www.mala.bc.ca/~mcneil/cit/citlcgoodmanb.htm
    1909 - A very narrow but intense tornado, rated f4 on the Fujita Scale, cut across the sleeping town of Zephyr, Texas shortly after midnight. 34 people were killed and 70 were injured. Many homes were literally swept away with nothing left on the sites, just vacant lot after vacant lot.
    1910-birthday of African-American Ralph Metcalfe, Olympic gold medal sprinter born at Atlanta, GA. Metcalfe set world records in the 100 years, 100 meters and 200 meters between 1932 and 1936. At the 1936 Berlin Olympics he finished second to Jesse Owens in the 100 meters and won a gold medal as a member of the 400-meter relay team. After World War II, Metcalfe was very active in Democratic politics, serving as a convention delegate, first Illinois Athletic commissioner, elected four times to the US House of Representatives. He founded the Ralph H. Metcalfe Youth Foundation which provided athletic and educational programs for youth. He was named a member of the President's Commission on Olympic Sports in 1975. The federal building at 77 W. Jackson in Chicago was named for him when it was dedicated in 1991. Died at Chicago, IL, October 10,1978
http://bioguide.congress.gov/scripts/biodisplay.pl?index=M000675
    1911-The first Indianapolis 500. The race was created by Carl Fisher, who in 1909 replaced the stone surface of his 2.5-mile racetrack with a brick one—hence the nickname “The Brickyard.” The first long-distance race was won by Ray Harroun, 29 years old, who drove a 16-cyclinder Marmon Wasp over the 2.5 mile oval course for a distance of 500 miles in 6 hours, 41 minutes, 8 seconds, an average of 74.7 miles per hour. Only 38 of the 44 cars entered completed the race. One contestant was killed in an accident. The race was witnessed by 85,000 spectators.
http://www.diecast.org/diecast98/html/asp/list_reviews/xq/ASP/id.CA431/qx/reviewpix.htm
    1912-During the second running of the Indianapolis 500, driver Ralph Mulford was told he would have to finish the race to collect 10 th -place money. Mulford did so, but it took him eight hours, 53 minutes, more than 2 ½ hours longer than the winner. He stopped for fried chicken several times along the way, and the rule was changed the following year.
http://www.bridgestone-usa.com/indexfr.htm
    1922- Lincoln Memorial Dedication. If you haven't seen it in person, it is well worth the trip. The memorial is made of marble from Colorado and Tennessee and limestone from Indiana. It stands in West Potomac Park at Washington, DC. The outside columns are Doric, the inside, Ionic. The Memorial was designed by architect Henry Bacon and its cornerstone was laid in 1915. A skylight lets light into the interiors where the compelling statue “Seated Lincoln,” by sculptor Daniel Chester French, is situated
http://www.nps.gov/linc/
    1923 - Howard Hanson's 1st Symphony "Nordic," premiered.
    1927-- birthday of actor Clint Walker , Hartford,IL ( My father Lawrence Menkin wrote many of the TV show Cheyenne series that Clint Walker starred in, that's the main reason he makes this list.
http://classicimages.com/1999/april99/walker.html
    1935-Tommy Dorsey splits from Jimmy after disagreement on tempo on “I'LL Never Say Never Again Again” at the Glen Island Casino, New Rochelle, NY. They would not talk to each other until the 1950's, playing only one more time together on a television special.
    1943-Battle of the Aleutian Island. The islands of Kiska and Attu in the Aleutian Islands off the coast of Alaska were retaken by the US 7 th Infantry Division. The battle (Operation Land grab)began when an American force of 11,000 landed on Attu May 12. In three weeks of fighting US casualties numbered 552 killed and 1,140 wounded. Only 28 wounded Japanese were taken prisoner. Their dead amounted to 2,352 of whom 500 committed suicide.
    1943-birthday of Gale Eugene Sayers, pro Football Hall of Fame running back, born Wichita, KS.
http://communities.msn.com/Blackside/tributetoblackathletes.msnw?action=
ShowPhoto&PhotoID=56
http://search.biography.com/print_record.pl?id=19207
    1950-Top Hits
My Foolish Heart - The Gordon Jenkins Orchestra (vocal: Eileen Wilson)
Bewitched - The Bill Snyder Orchestra
It Isn't Fair - The Sammy Kaye Orchestra (vocal: Don Cornell)
Birmingham Bounce - Red Foley
    1956-African-Americans in Tallahassee began a bus boycott in that city. They were protesting the system of segregation that required non-whites to ride in the back of busses.
    1958-Top Hits
All I Have to Do is Dream - The Everly Brothers
Return to Me - Dean Martin
Do You Want to Dance - Bobby Freeman
Just Married - Marty Robbins
    1963 - No. 1 Billboard Pop Hit: "It's My Party," Lesley Gore.
    1964- Wynonna Judd birthday, U.S. country western singer who won the Grammy 1985, 86, 87, 89 She was voted top female country artist award in 1994.
http://www.wynonna.com/
    1964-- The Beatles' "Love Me Do" hits #1
    1966-Top Hits
When a Man Loves a Woman - Percy Sledge
A Groovy Kind of Love - The Mindbenders
Paint It, Black - The Rolling Stones
Distant Drums - Jim Reeves
    1967 - Daredevil Evel Knievel jumped 16 automobiles in a row in a motorcycle stunt at Ascot Speedway in Gardena, Georgia.
    1970-- Ray Stevens' "Everything Is Beautiful" hits #1
    1971 - The spacecraft Mariner 9 was launched in the direction of Mars. It became the first craft to orbit another planet, returning many images of Mars. The images revealed what appear to be riverbeds on the surface, suggesting the presence of water on Mars at some point in the past. Mariner 9 photographed the entire surface of Mars.
    1971-36 Grateful Dead fans treated for hallucinations caused by LSD they unwittingly ingested from a spiked apple drink served at San Francisco's Winterland. Although group members are suspected of supplying the drug, they are not accused.
    1973 - No. 1 Billboard Pop Hit: "My Love," Paul McCartney & Wings. The song is McCartney's first No. 1 song with Wings, a group he formed after the breakup of the Beatles.
    1974-Top Hits
The Streak - Ray Stevens
Dancing Machine - The Jackson 5
The Show Must Go On - Three Dog Night
No Charge - Melba Montgomery
    1975 - Alice Cooper received a gold record for the romantic album, "Welcome to My Nightmare". Alice's real name was Vincent Furnier. He changed his name to Alice Cooper in 1966 and was known primarily for his bizarre stage antics. He appeared in the film "Prince of Darkness" in 1987 and had 11 hits on the pop/rock charts in the '70s and '80s, including a pair of million-selling singles: "I Never Cry" and "Poison
    1982-Top Hits
Ebony and Ivory - Paul McCartney with Stevie Wonder
Don't Talk to Strangers - Rick Springfield
I've Never Been to Me - Charlene
Just to Satisfy You - Waylon & Willie
    1977-- "In company with the first lady ever to qualify at Indianapolis -- Gentlemen, start your engines." So began the 1977 Indianapolis 500, and the lady in question was the American race car driver Janet Guthrie.
http://www.janetguthrie.com/
http://www.amazon.com/exec/obidos/ASIN/0817858822/avsearch-bkasin-20/
002-0667839-4443242
    1985 - ABC-TV announced that every game of the baseball World Series would be played under the lights for the biggest baseball audience possible.
    1985 -The temperature in Oklahoma City reached a sizzling 104 degrees, making it the highest ever for so early in the season. Also, this marked the very first time the temperature had reached the 100 degree plateau in the month of May at Oklahoma City.
    1986 - Hanford, Washington hit a scorching 104 degrees, breaking the all-time record high temperature for May for Eastern Washington. Yakima, Washington hit 102 degrees, a record high for the month of May for Yakima. Records also fell at Boise and Reno.
    1988 - No. 1 Billboard Pop Hit: "One More Try," George Michael.
    1990-Top Hits
Vogue - Madonna
All I Wanna Do is Make Love to You - Heart
Hold On - Wilson Phillips
Walkin' Away - Clint Black
    2001-- Barry Bonds hits career homer No. 522 passing Willie McCovey and Ted Williams to move up to #11 on the all time list, and making him the number one lefty home run hitter in National League history. The round tripper is the 17th hit by the Giant outfielder in May breaking the record set by Mickey Mantle (1956) and Mark McGwire (1998).
    2002-World Trade Center Recovery and Cleanup Ends. A solemn and mostly silent ceremony marked the symbolic end of recovery operations t Ground Zero, the former site of the World Trade Center, after the September 11,2002, terrorists attacks. The last standing steel girder was cut down on May 28. An honor guard carried an empty stretcher draped with an American flag to represent those victims who were not recovered from the ruins. Members of the NYPD, NYPD and city, state and federal workers, as well as family members and Ground Zero recovery teams, participated in the ceremony.
    2009-- Little Richard, Chuck Berry, and B.B. King gather for a benefit concert to raise money for New Orleans public schools struggling to rebuild after Hurricane Katrina. Though too ill to perform, Katrina survivor Fats Domino attends as a special guest.

Stanley Cup Champions This Date

• Edmonton Oilers

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SuDoku

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