Connect with Leasing News
 Add me to mailing list  |     |     Search |  Stress Release

Advertising | All Lists | Archives | Classified Ads | This Day In American History

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

kitmenkin@leasingnews.org
   


Credit Coordinator
11620 Wilshire Blvd
Los Angeles, CA 90025

Liaison between the Brokers/Clients and Maxim Credit Underwriters during the underwriting process. Coordinator will be responsible for managing the process of each transaction through our CRM and workflow management software. Click here for more information

www.maximcc.com
Founded 2008, Maxim Commercial Capital, LLC is a nationwide funding source for Equipment and Real Estate secured commercial transactions.




Wednesday, November 28, 2012


Today's Equipment Leasing Headlines

Integrity Financial Groups, Murray, Utah
 Bulletin Board Complaint
  Classified Ads---Collections
   Cartoon---Recession May Be Ending
 ELFA Reports New Business Down 9.2% October
  The Full Story
   by Christopher Menkin
    Classified Ads---Help Wanted
 Taking Licenses for Software, Website names, Products, et. al.
  Is It Good Collateral? The Court Answers: “Yes!”
   By Tom McCurnin
Why I Became a CLP John Buyco, CPA
 Senior Accounting Specialist,
  Great American Insurance Group
   CLP Handbook on Sale for $49.95
    Chat Acronymns and Keyboard Smilies
      Leasing News Salvation Army Kettle at Press Time
Failed banks: Class of 2012
 By Robert Clark and Aarti Kanjani, SNL Financial
  German Shepherd
   St. Louis, Missouri Adopt-a-Dog
    Classified ads— Leasing Industry Outsourcing
     Collector / Collections / Consultant / Communications
News Briefs---
Bombardier in deal with VistaJet for $7.8 billion
  Cyber Monday sales up more than 28 percent
    By the numbers: Details on housing's rebound
With a Billion Birthdays on File, Facebook Adds a Gift Store

Broker/Funder/Industry Lists | Features (collection)
Top Ten Stories Chosen by Readers | Top Stories last six months

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

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



Please send Leasing News to a colleague and ask them to subscribe.
We are free!


[headlines]
--------------------------------------------------------------



Integrity Financial Groups, Murray, Utah
Bulletin Board Complaint


Dallin Hawkins

This is the third complaint posted

From: Michael Fortin, Good, Inc., Centralia, Washington

"To clarify, an agreement was not executed between IFG and Good Inc. and no checks were written, so your request for an executed proposal and copy of check, front and back cannot be provided. An application was submitted and a wire in the amount of $25k was sent. (1)

"Good Inc. was in the market for a loan and was introduced to Paul Jacobellis as a broker who could assist in identifying a lender. Paul provided on, or about August 1, 2012 what we all thought were two lender's, Blackstone and IFG. Good Inc. opted for the IFG (Integrity Financial Groups) proposal because of the way it was structured (1)

"Not until quite later in the discussions with IFG did Mr. Hawkins divulge that he was not actually a lender, but really a broker. This information was provided after he had been wired the $25k 'underwriting deposit'.

"Quite obviously Good Inc. did not have a need for two brokers and two commissions. Once IFG received the "underwriting deposit", he became non-responsive to our calls and e-mails. He refused to return Good Inc's. deposit and eventually provided two proposals, one from Utica LeaseCo and one from Podium. Because it became very clear the Mr. Hawkins was not going to refund our money, Good Inc. agreed to include 2 points for the loan with Utica, as long as he sent the application fee of $8,500 to Utica, then returned the remaining balance of $16,500 to Good Inc. He was then to paid 2 points from the loan proceeds once executed. Mr. Hawkins agreed to send the money on multiple occasions, but never did. I have also attached for reference a demand letter from our attorney to Mr. Hawkins for reference. (2)

"Mr. Good also traveled to Mr. Hawkins on two occasions to pursue the return of funds. Mr. Hawkins avoided Mr. Good and actually called the police on him to avoid contact."

From Paul Jacobellis, Business Equipment Funding, Tigard, Oregon:

"This deal has run its course,

"Dallin came back with 2 proposals. One from Podium and one from Utica Leaseco. Both were not what he proposed. My customer Good Inc. decided that Utica would be the closest to what they could live with. Good Inc. contacted Utica directly to confirm and agreed to take their deal. Utica required $8,500 application fee to order an appraisal which Dallin agreed to send. After another weeks delay and non-responsiveness from Dallin, Good decided Dallin was not going to send the $8,500.

"I did my diligence on Utica and decided to take this matter in my own hands and called Utica myself. We all came to a decision that it would be to the best interest of Utica and Good if I took the deal over and finished it off. So I sent the application fee from my company because I felt responsible for the problems caused by Dallin. The inspection was completed yesterday and this deal is now moving forward.

"My client is seeing legal action against Dallin. I am also preparing documentation for my client to use in their defense including but not limited to providing other complaints lodged against Dallin on your web site.

"I would formally ask Leasing news to post a complaint on their web site."

Leasing News was unable to reach Dallin Hawkins for a comment, as well as a follow-up on a demand letter from attorney Stephen G. Leatham, Heurlin, Potter, Jahn, Leatham, Holtmann & Stoker, P.S. Vancouver, Washington, who represented Jason Good and Good, Inc., which called for $25,000 by November 26, 2012. (2)

  1. Good, Inc. Integrity Proposal (not signed)
    http://www.leasingnews.org/PDF/GoodIncIntegrityProposal.pdf
  2. Stephen Geatham Demand Letter http://www.leasingnews.org/PDF/StephenGeathamDemandLetter.pdf

Integrity Financial Groups, Murray, Utah
Bulletin Board Complaint
http://leasingnews.org/archives/Aug2012/8_16.htm#bbc

Integrity Financial Groups, Murray, Utah
Bulletin Board Complaint
http://leasingnews.org/archives/Jul2012/7_09.htm#bbc

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



[headlines]

--------------------------------------------------------------

Classified Ads---Collections



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


Long Grove, Illinois

17+ years Comdisco, accounts receivable, collections, customer service, plus senior management, seeking full time or part time assignment. 847-359-4066roborgaard@aol.com | Resume

Port St Lucie, FL
20+ yrs exp. commercial collection/late stage specialist. 
Prefer to work from home based office or transfer to Sarasota areamichaelgalan@comcast.net | Resume

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



• Contract Negotiations • Fraud Investigations 
• Credit Investigations • Skip-tracing 
• Third-party Commercial Collections
John Kenny 
Receivables Management

For flat fee or commissions basis 

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)

 

 

[headlines]
--------------------------------------------------------------


 

[headlines]
--------------------------------------------------------------


ELFA Reports New Business Down 9.2% October
The Full Story
by Christopher Menkin


(Chart: Leasing News)

Despite what you have read in the press release printed elsewhere from the Equipment Leasing and Finance Association (ELFA): the Monthly Leasing and Finance Index (MLFI-25) October economic activity report for the $628 billion equipment finance sector fell to $7.6 million from $8.2 million the previous month.

MLFI-25 NEW BUSINESS VOLUME (YEAR OVER YEAR COMPARISON)
click to make larger
(Chart: ELFA)

Yes, October was higher than previous years as ELFA reported, as well as ELFA was promoting positive news, thus their position to promote good news.


And perhaps it really isn’t “bad news.” It should be observed that July, 2012 new business volume was $6.6 billion and August, 2012, $6.9 billion-- and what gave the third quarter its boost was September at $8.2.

Please note the Leasing News chart under the headline: While October was down from the previous month, it was higher than the total of the first three quarters. Optimism should continue to prevail, as expressed in the ELFA press release:


ELFA President and CEO William G. Sutton, CAE, said: "Lease financings continue to show modest growth overall, despite soft patches evident in certain equipment and end-user sectors recently. With U.S. elections now behind us and recent indications by policy makers to find a solution to the 'fiscal cliff,' the cloud of uncertainty that has frozen the economy during the past 12 months may be lifting.

"We hope that the recent no-growth scenario gripping our nation's economy will transition to a more normalized recovery that will cause businesses to feel more confident about their future and result in additional investment in capital equipment and job creation."


Marc Paulhus, President, RBS Citizens Asset Finance

"At RBS Citizens Asset Finance, our funded volume for 2012 is ahead of last year's record pace and we are pleased to see continued strength in our credit quality, as delinquency rates and non-performing assets remain at all-time lows for our business," said Marc Paulhus, President, RBS Citizens Asset Finance. "While the level of activity in the investment grade bond market has been a challenge, we are encouraged to see the increase in new business volume for 2012."

Yes, optimism should continue to prevail, particularly following the ELFA MLFI-25 results below:

Receivables over 30 days decreased for the fifth consecutive month to 1.7 percent, down from 1.8 percent in September and down 23 percent when compared to the same period in 2011.

Aging of Receivables:

click to make larger

Charge-offs were down from the previous month at 0.4 percent, and down by 43 percent compared to the same period last year.

Average Losses (Charge-offs) as a % of net receivables
(Year Over Year Comparison)


click image to make larger

Credit approvals were unchanged in October at 79.5 percent. Sixty-six percent of participating organizations reported submitting more transactions for approval during October, up from 54 percent the previous month

Credit Approval Ratios As % of all Decisions Submitted
(Year Over Year Comparison)


click image to make larger

Total headcount for equipment finance companies was up 1 percent from the previous month, and declined 2 percent year over year.

Total Number of Employees
(Year Over Year Comparison)


click image to make larger 


Participants in the ELFA MLFI-25:
ADP Credit
BancorpSouth Equipment Finance
Bank of America
Bank of the West
BB&T Bank
BMO Harris Equipment Finance
Canon Financial Services
Caterpillar Financial Services
CIT
De Lage Landen Financial Services
Dell Financial Services
EverBank Commercial Finance
Fifth Third Equipment Finance, a City National Bank Company
First American Equipment Finance
GreatAmerica
Hitachi Credit America
HP Financial Services
Huntington Equipment Finance
John Deere Financial
Key Equipment Finance
M&T Bank
Marlin Leasing
Merchants Capital
PNC Equipment Finance
RBS Asset Finance
SG Equipment Finance
Siemens Financial Services
Stearns Bank
Suntrust
Susquehanna Commercial Finance
US Bancorp Equipment Finance
Verizon Capital
Volvo Financial Services
Wells Fargo Equipment Finance

Previous Monthly MLFI-25 Reports:
http://www.leasingnews.org/Conscious-Top%20Stories/ELFA-Survey.htm


Why Choose Advanced Property Tax Compliance?

Dedicated to the leasing industry
click here to learn more. 

Hear What Our Clients say about us 
click here

Gary DiLillo, President 440.871.0555 or gary@avptc.com


[headlines]
--------------------------------------------------------------

Leasing Industry Help Wanted  
 

Credit Coordinator
11620 Wilshire Blvd
Los Angeles, CA 90025

Liaison between the Brokers/Clients and Maxim Credit Underwriters during the underwriting process. Coordinator will be responsible for managing the process of each transaction through our CRM and workflow management software. Click here for more information

www.maximcc.com
Founded 2008, Maxim Commercial Capital, LLC is a nationwide funding source for Equipment and Real Estate secured commercial transactions.

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

Please see our Job Wanted section for possible new employees.

 


[headlines]
--------------------------------------------------------------


Taking Licenses for Software, Website names, Products, et. al.
Is It Good Collateral? The Court Answers: “Yes!”
By Tom McCurnin
Barton, Klugman & Oetting


New 7th Circuit Decision Makes It Easier to Finance Equipment
for Manufacturers With Valuable Licenses

In leasing, most lessor’s aren’t interested in taking a license as collateral, but as leasing moves has been moving into hard money lending the last ten years, the existence of a debtor’s license can be a valuable asset on which to place a lien.

There is a growing niche who are interested in licenses as collateral. For instance, there is a large market with conferences well attended in Las Vegas, Nevada regarding web site url’s where licenses are also leased or used as collateral for loans. Have a specific name is becoming more and more valuable, such as owning Dallas.com or NewYork.com or Soda.com. Software has been licensed by itself for years, as well as in manufacturing where a lessor could loan money to a debtor or lease to a lessee as lessor a license to make and sell branded items, such as Polo brand shirts or Scotch brand tape or even a limited copy of a famous small statue or art work.

However, what if the licensor filed bankruptcy and rejected the license as an executor contract? Does the licensee, and its lender, have rights to that license? Not in Virginia. But a recent case in Illinois reverses that line of cases and holds that a bankruptcy court may not take away a license which was already bought and paid for. This is great news for collateral based lenders.

The case is Sunbeam Products, Inc. v. Chicago American Mfg., LLC, 686 F.3d 372 (7th Cir. 2012).

There, Lakewood made house fans and licensed Chicago American Manufacturing (“CAM”) to manufacture the fans for it, selling the fans to Sears, Wal-Mart and Kmart. This was a lucrative contract and license.

The creditors of Lakewood filed an involuntary bankruptcy against it and the trustee rejected the license contract as an executor contract, and sold the license to make the Lakewood branded fans to Sunbeam Products. CAM continued to manufacture the fans. Sunbeam disagreed and sued, claiming that it had the exclusive right to make the fans, having purchased the license from the bankruptcy trustee.

Sunbeam argued that the license was terminated upon rejection based on a 1985 4th Circuit decision, called Lubrizol Enterprises, Inc. v. Richmond Metal Finishers, Inc., 756 F.2d 1043 (4th Cir.1985),. CAM fired back stating that a 1988 amendment to the lease rejection statute allowed a licensee to treat the rejected license for intellectual property as terminated or retain its rights under the license contract, to the extent they are valid prior to the bankruptcy filing. Not so fast, Sunbeam argued, the statute says “intellectual property” and the bankruptcy definition does not include “trademarks,” so, Sunbeam argued the Court has to follow the 1985 case.

The Seventh Circuit looked at the Lubizol decision anew, and correctly observed that it has been widely criticized, and confuses the trustee’s ability to avoid certain transactions, like preferences, with the trustee’s right to reject leases and other executory contracts. The Court held that a licensee which has had its license rejected by a bankruptcy debtor still retains all its rights it had prior to the bankruptcy filing.

This is good news for commerce, trade, and secured transactions. Imagine if you will, if a secured creditor had loaned CAM money on the strength of that license and its pending contracts with Sears, Wal-Mart, and Kmart. It makes no sense that a bankruptcy trustee of the licensor can take away the license which had already been bought and paid for.

The lessons for secured creditors is that the creditor may safely loan money to a licensee for equipment and the license, and can rest easily that this license, once bought and paid for, may not be taken away by a faraway Bankruptcy Court.

Sunbeam Case
http://www.leasingnews.org/PDF/SunbeamCase.pdf

Tom McCurnin is a partner at Barton, Klugman & Oetting in Los Angeles, California.

Tom McCurnin
Barton, Klugman & Oetting
350 South Grand Ave.
Suite 2200
Los Angeles, CA 90071
Direct Phone: (213) 617-6129
Cell (213) 268-8291
Fax: (213) 625-1832
Email: tmccurnin@bkolaw.com
Visit our web site at www.bkolaw.com

Previous Tom McCurnin Articles:
http://www.leasingnews.org/Conscious-Top%20Stories/leasing_cases.html



[headlines]
--------------------------------------------------------------


 

Why I Became a CLP


John Buyco, CPA,
Senior Accounting Specialist
Great American Insurance Group


I began working in the insurance industry in 1998 at Great American Insurance Group. After six years, I decided that I wanted to study for the CLP exam. As a CPA, I thought it would be cool to also achieve the CLP designation. Besides, it would be a good personal challenge for me and help me learn more about the leasing industry.

Since I work in accounting, I deal with numbers every day. I see premiums, rates, percentages, and losses. But I wanted to know more about what was behind all the numbers. I wanted to learn more about leases and how they work.

As it turned out, our company was going to host CLP review sessions for candidates in preparation for the exam. These were two-day classes taught by instructors, followed by the optional exam. I thought it would be beneficial for me to attend, using it as a springboard for the start of my studying. The sessions were great, as Jim McCommon, CLP, and John Rosenlund, CLP, were excellent instructors. My goal was to take the exam six months later, when Great American was scheduled to host another session.

The exam wasn’t easy. It took a lot of studying. Fortunately for me, several of us from Great American were planning to take the exam. We formed study groups and met after work. These group sessions were very helpful. We discussed difficult sections from the textbook and shared knowledge, experiences, study tips, and exam preparation advice.

Becoming a CLP enabled me to leave my desk and get out in the world. I started attending insurance conventions in interesting places, and met many people from the leasing industry. There were small-business owners, salespeople, producers, bankers, and attorneys. It was fun to interact with such a wide variety of people and companies. Surprisingly, it struck most people as odd that an accountant not only was in attendance, but was also a CLP. When asked why an accountant would want to become a CLP, I usually answered that it first started as a way to challenge myself. I wanted to prove that I could still set a goal for myself and achieve it. Second, it’s something that’s recognized in the industry as very prestigious. It shows your co-workers and peers that you’re dedicated to your job, your company, and your industry.


When clients visit our office, walk through the accounting department, and see my CLP plaque on the wall, they know their money is safe with Great American.

(Other CLP’s who are also CPA’s:
Nancy Geary, CPA, ECS Financial Services, Inc.
Virginia Piazza, CPA, Great American Insurance Group)

Why I Became a CLP---
http://www.leasingnews.org/CLP/Index.htm


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

 

[headlines]
--------------------------------------------------------------

 

CLP Handbook on Sale for $49.95


The month of December, the CLP handbooks goes on sale
for $49.95. 400 pages. Normally it is $59.95, but for
the holiday season, the discount ( and for multi-copies
to the same address, ask for a further discount)

(To learn more about the CLP Handbook)
http://www.clpfoundation.org/toolbox/clp_handbook.php


[headlines]
--------------------------------------------------------------


 

Chat Acronymns and Keyboard Smilies

,-)

Originally used on AOL when the speeds were 2400kb baud (and remember when they went to 9600kb, and we thought that was fast!) they were called "smiley's." Later this keyboard face became a real face due to the growth of html---and the abbreviation code became "Chat Acronymns."

They are popular today with texting. Even iPhone has an app for it (search for Netlingo in the App store).

IMHO In my humble opinion.
LOL Laughing out loud.
OTFL On the floor (laughing).
ROTFL Rolling on the floor (laughing).
BRB Be right back.
BTW By the Way.
CYA See you.
CYL8TER See you later.
FYI For Your information.
NE1 Anyone.

Here is a major listing of Chat Acronyms:

(It’s long; keep for decoding or use)
http://www.netlingo.com/acronyms.php

And for old fashion Smilies:

Smilie/CodeUsage
Basic Smilies
:-)Standard Smiley. Just joking, implies humour.
;-)Winking Smiley. Used when you make a sarcastic remark.
,-)Wink
:-(Sad Smiley. Used when you didn't like something, or to imply sadness.
Popular Smilies
:-!Foot in mouth.
:-#Wears braces/been hit in the mouth. or Censored
:-$Put your money where your mouth is.
:-&Tongue tied.
:-/Skeptical.
:-OYelling / Wow!
:_)Tongue in cheek.
=-)Sideways smily face.
$-)Just won the lottery
>;->Winky and devil combined. A vary lewd remark just made.
:-->User just made a very devilish remark.
:-,Smirk
:-IIAnger
:->Just made a really biting sarcastic remark.
Smilies with Emotion
:-<Very sad.
:-DLaughing / Sad with a smile.
:-@Screaming / I swear.
:-|Hmmm.... Don't know what to think.
:-PSticking your tongue out / Tungue hanging out in anticipation.
:-XMy lips are sealed / A big wet kiss.
:-eDisappointed.
;-)Say no more (nudge nudge, wink wink).
:-xKiss, Kiss.
:-*Oops.
:-cReal unhappy
:-<Forlorn
:-|Dead face
:-IIndifferent, better than a Frowning but, not quite as good as happy Smiley / Grim.
:-<>Amazed
:-( )Shocked
:-o zz z z Z ZBored
:-\Thinking
:-CUnbelieving (jaw dropped) /Really bummed out.
:-o"Oh, nooooooo!"
:-TKeeping a straight face
:-BDrooling
:-)))Very emotive (suggested by Kay, Trieste, Italy)
Miscellaneous Smilies
(o:o)Siamese Twins
*<|:O)A Clown
|-|Asleep.
|-)Falling asleep.
|-OBored.
.-)One eyed.
:,(Crying.
:'-(Crying
|^oSnoring.
(-:Left handed.
8-)Wearing sun glasses.
B-)Wearing horn rimmed glasses.
@@@:-)Marge Simpson.
:----->Pinnochio or Liar
:)Smilie without a nose
:@)Smilie with a piggy nose
:^)Smilie with a bent nose
:*)Smilie with a nose of a clown
:~)Smilie with a strange nose
:-[]Robot face
:-}Smilie with a curly smile
:->Smilie with straight smile Ver. 1
:-]Smilie with straight smile Ver. 2
:-[Count Dracula
:-#Censored / My lips are sealed.
:-iSmoking
:-jSmoking and smiling
:-[#]Smilie with braces
:-SSick smilie
P-)Pirate
!-(Black-eyed face
0-)Cyclops smilie
%-)Surfing to long
%)Artistic face
:=IBaboon.
:-7User made a wry statement
[:]User is a robot
:-"Pursing lips
|-(Late night messages

Turned Faces

:^UTurned face
:^YTurned poker face
:^rBleahhh (sticking tongue out)
:^yTurned smiling face
:^WTurned face with tongue out / Speaking with forked tongue.
:-VShout
:-vSpeaking
:^"Pursing lips

Smilies with Accessories

:-{)Smilie with a moutashe
{:-)Smilie with hair
@@:)Smilie with bee-hive hair
§:)Smilie with permed hair
[:-)Wearing a walkman
K:-)Smilie with a graduation hat
d:-)Smilie with a cap
C|:-)Smilie with a bowler hat
]:-)Smilie with a nurse hat
(:-)Smilie with a skull-cap (or a bicycle helmet)
#:-)Smilie with a fur hat
*<:-)Smilie with hat and pom-pom (cold weather smilie)
:-)=Smilie with beard
=|:-)=Uncle Sam
&:-)Smilie with curly hair
@:-)Smilie with wavy hair
B:-)Sunglasses on head
::)Wears glasses
8-)Wearing glasses
+<:-|Monk / Nun
Abbreviations
IMHOIn my humble opinion.
LOLLaughing out loud.
OTFLOn the floor (laughing).
ROTFLRolling on the floor (laughing).
BRBBe right back.
BTWBy the Way.
CYASee you.
CYL8TERSee you later.
FYIFor Your information.
NE1Anyone.
 


 

[headlines]
--------------------------------------------------------------

Leasing News Salvation Army Kettle at Press Time



(Please click on Kettle to make a donation)

http://www.onlineredkettle.org/kitmenkin?aid=d5524a73-4d4c-4334-b804-2df348e21bbf&pt=1

At press time, Leasing News Kettle is at $1,015.00

Looking for donations as small as $10.00


 

[headlines]
--------------------------------------------------------------


Failed banks: Class of 2012
By Robert Clark and Aarti Kanjani, SNL Financial


Regulators did not close any banks Friday, Nov. 23, leaving the year's total at 50. Last year, regulators had closed 90 banks through Nov. 25th.


As of Nov. 25, the FDIC entered loss-share agreements with the buyers of 19 of the 50 banks closed in 2012. In 2011, the FDIC entered loss-share agreements with the buyers of 58 of the 92 closed banks. In 2010, the FDIC entered loss-share agreements with the buyers of 130 of the 157 failed banks.

The median cost to the deposit insurance fund at the time of announcement as a percentage of the failed banks' assets was 21% in 2012, with 50 failures. The median cost in 2011 and 2010 was 23%, and it was 29% in 2009.




Send Leasing News to a Colleague. We are free!!!

[headlines]
--------------------------------------------------------------


German Shepherd
St. Louis, Missouri Adopt-a-Dog

Ivory
Color: White
Age: Adult
Size: Large 61-100 lbs (28-45 kg)
Sex: Female

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

Ivory's Story...

"UPDATE 8/22 IVORY HAS PUT ON WEIGHT AND IS DOING GREAT. YOU MUST SEE HER. SHE IS GORGEOUS AND A LOVELY DOG ALL AROUND

"Ivory is new to our program as we rescued her from a very high kill shelter. She only weighed 55 lbs and was in dire need of food. Ivory was turned into the shelter because her owner could no longer afford to feed her as you can see. However , she must have sugar running through her veins because she is an amazing dog considering her neglect. Since being in foster care she is eating well and it shows in her energy level. She does great on walks and seems to have no hips issues which is surprising for her age. Ivory is guestimated to be 11-13. We can't tell for sure, but none the less she is an absolute GREAT dog. She does fine with other dogs, although we don't know how she does with cats, but we guess her mellow nature would show she is fine with them as well. Ivory still has a lot life in her and needs a wonderful family to give her a loving home. One look into her eyes and you will be hooked, everyone is. Her lush white coat does shed, and she has some gum disease. We have taken her to the vet and got all of her shots updated and she is spayed. Ivory also tested negative for heartworm.!!! IF YOU ARE INTERESTED IN IVORY THROUGH OUR REGULAR ADOPTION OR OUR SENIORS 4 SENIORS PROGRAM, PLEASE FILL OUT AN ADOPTION APPLICATION FIRST. GO TO WWW.LGLSDR.ORG

,,,,,,,,, FILL OUT THE APPLICATION AND SEND TO US. IVORY ADOPTION FEE IS REDUCED BECAUSE OF HER AGE. ALL LGSDR DOGS ARE UTD ON SHOTS SPAYED/NEUTERED,DE WORMED, MICROCHIPPED AND GIVEN HEARTWORM AND FLEA/TICK PREVENTATIVE

Contact This Rescue Group...
Rescue Group: Linksrhein German Shepherd Dog Rescue
E-mail: lgsdr@lgsdr.org
Let 'em know you saw "Ivory" on Adopt-a-Pet.com!
Website: http://www.lgsdr.org
Address: Saint Louis, MO 63126

Contact for adoption form, web site did not open


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

Adopt a Pet
http://www.adoptapet

 

[headlines]
--------------------------------------------------------------

Classified ads— Leasing Industry Outsourcing

Collector / Collections / Consultant / Communications

Collector: Atlanta, GA
Asset Recovery Specialist. We get your money or we get your > equipment back for you. Physical Asset Recovery Experts!
E-mail: mcrouse911@joimail.com
Collector: Cleveland, OH 
Huntley Capital & Associates is your solution to late payments, no payments, and asset recovery. Call 216-337-7075. 
Email: ghpatey@msn.com 
Collections: Dallas, Texas
Contingency Fee basis. Receivables Outsourcing. We are a fully bonded nationwide licensed agency. We collect for nationally known banks and leasing companies. 
800-886-8088.
Collector: Los Angeles, CA
Expert skiptracers covering Southern California. We locate skips, judgment debtors and collateral. When you can't get the job done in house, give us a call at
1-800-778-0794.
E-mail: ceo@interagencyLA.com
Collector: Louisville, KY
We are a full service collection agency with attorney network. 21 years experience. Please call Jon Floyd, VP at 1-800-264-6850 
email: jfloyd@collectcsg.com
Collector: Louisville, KY 
Euler Hermes/UMA 92 year old Global Receivables Outsourcing. Presence in 143 Countries. Work w/ 4 out of 5 Fortune 500 firms. Contingency Fee Structure.
20% off first time clients.!
Andrew.Newton@eulerhermes.com
1-800-237-9386 x 205.
Collector: Mandeville, MI
International commercial collection services all fees are on contingency on line access.
E-mail: rmelerine@collect-now.com 
www.drspay.com
www.collect-now.com 


Collector: Milwaukee, WI 
We specialize in ATM machine reposession and remarketing. We can get you top dollar for your inventory.
E-mail: bdperry1@yahoo.com 

Collector: Nationwide
End of lease negotiations & enforcement. Third-party collections. Skip-tracing. Background checks. Credit & asset investigations. 15+ years in leasing industry. Providing services to clients nationwide.
800-824-0234
johnkenny2@verizon.net

Collector: Saint Louis, MO
Complete commercial collection agency. Licensed bonded in all states and will out performed any other agency!
Call 1-800-659-7199 ext.315
E-mail: jfloyd@lindquistandtrudeau.com
Consultant: Nationwide
25 yrs. experience: Creating/Refining Business Plans to raise capital· Credit Underwriting support/policy/procedure development · Operations Support/policy/procedure development.
Call: 610-246-2178, McCarthy Financial, LLC,David.mccarthy@mccarthy-financial.com
Consultant: Burlington, CT
We provide our clients with a full range of consulting services such as portfolio conversions, reconciliation, custom programming and leasing operations utilizing InfoLease. 
Email: info@new-millennium-assoc.com
Consultant: Europe
15 years doing deals/running own technology leasing company – looking to advise/ lead new entrants to take advantage the European market opportunity.
www.clearcape.co.uk or kevin.kennedy@clearcape.co.uk 
Consultant: Henderson, NV
Focus on new business development and process efficiencies to create incremental revenue and profitability. Executive level vendor experience, and satisfied outsourcing clients. Incredible track record.
E-mail: rbutzek@cox.net

Consultant: Sausalito, CA
Lease trainer and consultant. 38 years in equipment leasing. Expert in transaction analysis, financial statement analysis, credit, packaging, structuring. Presents highly popular classes and workshops.
E-mail:BoTei@aol.com

Consultant: North of Detroit, MI 
INFOLEASE EXPERT - 18 years experience. Since being downsized in 2002, working as a consultant for several leasing companies. Seeking consulting projects nationwide. 
E-mail: darwint@prodigy.net

Consultant: Ridgefield CT.
Lisa Lersner w/20 years exp. specializing in leasing technology now providinglessor selection andmanagement services, includingthe securing of debt and equity and acquisition guidance services.
Email: 
LLersner@leasefinanceconsult.com
Go to www.leasefinanceconsulting.com

Communications:Chassell, MI

Cartoons on business, finance & computers. Use for your presentations, website, newletter, direct

mail projects etc. Fees are negotiable. 
Email: dan@danscartoons.com 
Go to http://www.danscartoons.com

 


All "Outsourcing" Classified ads (advertisers are both requested and responsible to keep their free ads up to date:
http://www.leasingnews.org/Classified/Outsourcing/Outsourcing.htm

How to Post a free "Outsourcing" classified ad:
http://www.leasingnews.org/Classified/Outsourcing/Outsourcing-post.htm

 

[headlines]
--------------------------------------------------------------

 

 


News Briefs----

 

Bombardier in deal with VistaJet for $7.8 billion
http://seattletimes.com/html/businesstechnology/

Cyber Monday sales up more than 28 percent
http://www.mercurynews.com/business/ci_22070317/cyber-monday-sales-up-28-percent

By the numbers: Details on housing's rebound
http://www.usatoday.com/story/money/business/2012/11/27/housing-market-tables-graphs/1729935/

With a Billion Birthdays on File, Facebook Adds a Gift Store
http://www.nytimes.com/2012/11/28/technology/facebook-gifts-urges-users-to-shop-while-they-share.html?ref=business

Dancing With the Stars' crowns a winner
http://www.usatoday.com/story/life/people/2012/11/27/dancing-with-the-stars-crowns-season-15-winner/1730695/

 

[headlines]
--------------------------------------------------------------

Rolling Stones show celebrates 50 years
http://www.sfgate.com/music/article/Rolling-Stones-show-celebrates-50-years-4065889.php




[headlines]

--------------------------------------------------------------


SparkPeople--Live Healthier and Longer


SparkPeople--Live Healthier and Longer

Are You a Smart Snacker?
http://www.sparkpeople.com/resource/assessment_questions.asp



[headlines]

--------------------------------------------------------------

 


Sports Briefs----


The Oakland Raiders disaster and how to clean it up
http://www.contracostatimes.com/tim-kawakami/ci_22076879/kawakami-oakland-raiders-disaster-and-how-clean-it

49ers’ Harbaugh need not be our pal
http://overtime.blogs.pressdemocrat.com/10370/49ers-harbaugh-need-not-be-our-pal/

 

 

[headlines]
--------------------------------------------------------------

 

American Football Poem

The Quarterback

    He bends down
To snap the ball
The quarterback ready to receive
The moment of tension is broken
With the snap
The battlefield engages
The men move quick to the crowd
The fans screams
Are drowned out
By the eternity
Of struggle and pain
The players endure
For ten yards
Till it starts again

*Inspired by Allan James Saywell

Adam Caldwell


[headlines]
--------------------------------------------------------------



California Nuts Briefs---

California Finds Economic Gloom Starting to Lift
http://www.nytimes.com/2012/11/28/us/california-shows-signs-of-resurgence.html?hp&_r=0


[headlines]
--------------------------------------------------------------



“Gimme that Wine”

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

The Untamed Region
http://www.nytimes.com/2012/11/28/dining/reviews/rolling-with-changes-of-wines-from-languedoc.html?ref=dining

Fighting to Save the Flavor of New York
http://www.nytimes.com/2012/11/28/dining/after-hurricane-sandy-fighting-to-save-the-flavor-of-new-york.html?ref=dining

Wineries prepare for holiday sales

Coppola's transformation of Rubicon to Inglenook complete
http://www.decanter.com/news/wine-news/530651/coppola-s-transformation-of-rubicon-to-inglenook-complete

Russian River Pinot Is the Star


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


[headlines]
----------------------------------------------------------------

This Day in History

    1729 - Natchez Indians massacred most of the 300 French settlers and soldiers at Fort Rosalie, Louisiana.
    1745 - French troops attacked Indians at Saratoga, NY. The Saratoga of 1745 was on the site of the present Schuylerville, NY, on the west bank of the Hudson River about eleven miles east of the present Saratoga Springs NY, and only about thirty miles north of Albany. The raiders were four hundred French troops and two hundred and twenty Indians of the Abnaki and Caughnawaga tribes. The Caughnawagas were a breakaway group from the Mohawk tribe. The Mohawks - eastern most among the six nations of the Iroquois League - were constrained by their proximity if nothing else to prefer the English, but at the time the official Iroquois position was one of neutrality. The Caughnawagas were a group of Mohawks who preferred the French and had moved north and adopted the Caughnawaga name, but the Mohawks still considered them as wayward brothers. Thus it was unthinkable that the Mohawks would stop these raiders as they came through Mohawk territory on this raid. There was no serious opposition to the attack on Saratoga, which came at dawn. The town was burned so completely that the only structure left standing was a sawmill somewhat apart from the main part of town. The raiders killed or captured one hundred and one individuals, including the salves of the residents. The terrified citizens had helped the raiders by burning their own fort and fleeing down the Hudson. The Iroquois, no fools, had given a promise of alliance to the English, when the massive English Army they had been told was coming to crush the French appeared - of course there was never a plan to send any such English Army to NY. The debacle of Saratoga was further proof to the Iroquois that the English were not committed to fighting the French but were instead trying to get the Iroquois to do it for them.
    1775 - The 2nd Continental Congress adopts first rules for regulation of the "Navy of the United Colonies."
    1775 - while the Marines were authorized to form on November 10 by the Continental Congress, the first ma­rine officer was Samuel Nicholas, a Philadel­phia Quaker, commissioned captain on Novem­ber 28, 1775, at $32 a month. The Marines were under the jurisdiction of the War Depart­ment until April 30, 1798, when Congress cre­ated the Navy Department. The present Marine Corps was created by act of July 11, 1798, which authorized a major, 4 captains, 16 first lieutenants, 12 second lieutenants, 48 sergeants, 48 corporals, 32 drums and fifes, and 720 pri­vates, including enlisted men. The first major was William Ward Burrows of South Carolina, who was appointed July 12, 1798, and served nearly 6 years.
    1795 - US paid $800,000 and a frigate as tribute to Algiers and Tunis.
    1872 - The Modoc War of 1872-73 began in Siskiyou County, northern California when fighting broke out between Modoc Chief Captain Jack and a cavalry detail led by Captain James Jackson. Brutally harsh conduct characterized white-Indian struggles in the Northwest, such as the 1,000-mile saga of the 1877 Nez Percé War and the Modoc War. Harvesters of fish and waterfowl, game, seeds and bulbs, the Modoc were a tribe of the Iutuamian stock. They lived on lava plateaus dotted with sage and the forested mountains of northern California and southern Oregon. Their houses, which resembled beehives, lined the banks of Lost River and the shores of Tule Lake. White settlers began to populate the attractive area in the 1860s. The Modoc resisted the encroachment at great cost and by 1864 the tribe had been reduced to about 250. Subsequently they surrendered their lands to the U.S. government and entered the former Klamath reservation in southern Oregon. They barely survived on the hardscrabble reservation. In 1870 Chief Kintpuash, also known as Captain Jack, directed some of his band to California. When the group subsequently refused to return to the reservation, attempts were made to force the Modocs' return, which precipitated the war of 1872-1873. U.S. soldiers pursued the Indians to Tule Lake. There, lava beds and caves furnished nearly perfect fortifications for the quarry. The small band of about 150 poorly armed Indians held out for six months. Repeatedly repulsed, the soldiers enlarged their ranks to 1,000 by March 1873. In the course of peace talks, negotiators General E. R. S. Canby and Eleazer Thomas were killed. The soldiers grimly stepped up their struggle to overpower the Modoc. In 1873 Captain Jack and his whittled-down band of approximately 30 surrendered; he and three others were hanged. A number of the rebellious group were returned to Klamath Reservation, and the rest were sent to Quapaw Reservation in Oklahoma. The Klamath Reservation was disbanded in 1963, and the Native Americans on the Quapaw Reservation merged with other tribes.
    1906-November 28, George Wettling Birthdayhttp://www.harlem.org/people/wettling.html
http://artisttv.artistdirect.com/music/artist/bio/0,,508904,00.html?artist=George+Wettling
   1907, birthday of African-American painter and sculptor Charles H. Alston, born at Charlotte, NC, and died at New York, NY, Apr 27,1977. Charles Alston was celebrated in his lifetime for seminal paintings and sculptures that defy categorization. Throughout his career, he experimented with styles ranging from realism to abstraction. His realistic WPA murals at Harlem Hospital depict a narrative in the style of Diego Rivera. The Cubist painting of The Family (1955), is an excellent example of Alston's early work, influenced by Italian artist Amedeo Modigliani. Black Man, Black Woman USA has a decidedly Egyptian style of portraiture. Walking (1958), which depicts a silent crowd, almost prophecies the turmoil and social agitation of the Civil Rights Movement.
    1915, birthday of trumpet player and arranger Dick Vance, Mayfield, KY. Arranged for Chick Webb, Cab Callaway, Harry James.
    1927, birthday of altoist Gigi Gryce, Pensacola, FL.
    1948, “ Hopalong Cassidy” premiered on NBC-TV. Actor Bill Boyd, 53, starred in the title role. This was the first western series on television. 
   1950-BARBER, WILLIAM E. Medal of Honor
Rank and organization: Captain U.S. Marine Corps, commanding officer, Company F, 2d Battalion 7th Marines, 1st Marine Division (Rein.). Place and date: Chosin Reservoir area, Korea, 28 November to 2 December 1950. Entered service at: West Liberty, Ky. Born: 30 November 1919, Dehart, Ky. Citation: For conspicuous gallantry and intrepidity at the risk of his life above and beyond the call of duty as commanding officer of Company F in action against enemy aggressor forces. Assigned to defend a 3-mile mountain pass along the division's main supply line and commanding the only route of approach in the march from Yudam-ni to Hagaru-ri, Capt. Barber took position with his battle-weary troops and, before nightfall, had dug in and set up a defense along the frozen, snow-covered hillside. When a force of estimated regimental strength savagely attacked during the night, inflicting heavy casualties and finally surrounding his position following a bitterly fought 7-hour conflict, Capt. Barber, after repulsing the enemy gave assurance that he could hold if supplied by airdrops and requested permission to stand fast when orders were received by radio to fight his way back to a relieving force after 2 reinforcing units had been driven back under fierce resistance in their attempts to reach the isolated troops. Aware that leaving the position would sever contact with the 8,000 marines trapped at Yudam-ni and jeopardize their chances of joining the 3,000 more awaiting their arrival in Hagaru-ri for the continued drive to the sea, he chose to risk loss of his command rather than sacrifice more men if the enemy seized control and forced a renewed battle to regain the position, or abandon his many wounded who were unable to walk. Although severely wounded in the leg in the early morning of the 29th, Capt. Barber continued to maintain personal control, often moving up and down the lines on a stretcher to direct the defense and consistently encouraging and inspiring his men to supreme efforts despite the staggering opposition. Waging desperate battle throughout 5 days and 6 nights of repeated onslaughts launched by the fanatical aggressors, he and his heroic command accounted for approximately 1,000 enemy dead in this epic stand in bitter subzero weather, and when the company was relieved only 82 of his original 220 men were able to walk away from the position so valiantly defended against insuperable odds. His profound faith and courage, great personal valor, and unwavering fortitude were decisive factors in the successful withdrawal of the division from the deathtrap in the Chosin Reservoir sector and reflect the highest credit upon Capt. Barber, his intrepid officers and men, and the U.S. Naval Service.
    1950--CAFFERATA, HECTOR A., JR. Medal of Honor
Rank and organization: Private, U.S. Marine Corps Reserve, Company F, 2d Battalion, 7th Marines, 1st Marine Division (Rein.). Place and date: Korea, 28 November 1950. Entered service at: Dover, N.J. Born: 4 November 1929, New York, N.Y. Citation: For conspicuous gallantry and intrepidity at the risk of his life above and beyond the call of duty while serving as a rifleman with Company F, in action against enemy aggressor forces. When all the other members of his fire team became casualties, creating a gap in the lines, during the initial phase of a vicious attack launched by a fanatical enemy of regimental strength against his company's hill position, Pvt. Cafferata waged a lone battle with grenades and rifle fire as the attack gained momentum and the enemy threatened penetration through the gap and endangered the integrity of the entire defensive perimeter. Making a target of himself under the devastating fire from automatic weapons, rifles, grenades, and mortars, he maneuvered up and down the line and delivered accurate and effective fire against the onrushing force, killing 15, wounding many more, and forcing the others to withdraw so that reinforcements could move up and consolidate the position. Again fighting desperately against a renewed onslaught later that same morning when a hostile grenade landed in a shallow entrenchment occupied by wounded marines, Pvt. Cafferata rushed into the gully under heavy fire, seized the deadly missile in his right hand and hurled it free of his comrades before it detonated, severing part of 1 finger and seriously wounding him in the right hand and arm. Courageously ignoring the intense pain, he staunchly fought on until he was struck by a sniper's bullet and forced to submit to evacuation for medical treatment Stouthearted and indomitable, Pvt. Cafferata, by his fortitude, great personal valor, and dauntless perseverance in the face of almost certain death, saved the lives of several of his fellow marines and contributed essentially to the success achieved by his company in maintaining its defensive position against tremendous odds. His extraordinary heroism throughout was in keeping with the highest traditions of the U.S. Naval Service.
    1950--EMORE, ROBERT S. Medal of Honor
Rank and organization: Staff Sergeant, U.S. Marine Corps, Company E, 2d Battalion, 7th Marines, 1st Marine Division ( Rein ). Place and date: North of Yudam-ni, Korea, 27 and 28 November 1950. Entered service at: Greenville, S.C. Born: 21 June 1920, Greenville, S.C. Citation: For conspicuous gallantry and intrepidity at the risk of his life above and beyond the call of duty as leader of a machine gun section in Company E, in action against enemy aggressor forces. With the company's defensive perimeter overrun by a numerically superior hostile force during a savage night attack north of Yudam-ni and his platoon commander seriously wounded, S/Sgt. Kennemore unhesitatingly assumed command, quickly reorganized the unit and directed the men in consolidating the position. When an enemy grenade landed in the midst of a machine gun squad, he bravely placed his foot on the missile and, in the face of almost certain death, personally absorbed the full force of the explosion to prevent injury to his fellow marines. By his indomitable courage, outstanding leadership and selfless efforts in behalf of his comrades, S/Sgt. Kennemore was greatly instrumental in driving the enemy from the area and upheld the highest traditions of the U.S. Naval Service.
    1959 -Frankie Avalon's "Why" hits #1
    1960-"Are You Lonesome Tonight", a ballad that was written in 1926 and first recorded by Al Jolson, became Elvis Presley's 14th number one hit in the US. Billboard magazine reported that five answer records to "Are You Lonesome Tonight?" had been released. Four of them were different versions of the same song entitled "Yes, I'm Lonesome Tonight." The fifth was the standard "Oh How I Miss You Tonight".
    1961 - Ernie Davis, halfback of Syracuse University, was the first African-American named to win the Heisman Memorial Trophy was Ernie Davis, halfback of Syracuse University, named on November 28, 1961, and presented with the award on December 6, 1961, at the Downtown Athletic Club, New York City. The Heisman trophy is awarded annually to the outstanding college player in the United States. Davis, who was nicknamed "The Elmira Express", was a star running back at Syracuse and led the Orangemen in rushing for three seasons. In 1961, he became the first African-American to win the Heisman Trophy as the nation's Outstanding College Football Player and the first native of New York State to capture the award. Davis was a first round draft pick of the Cleveland Browns after his graduation from Syracuse but he was stricken with leukemia before ever playing a game in the National Football League. Davis died in May, 1963, after a 16-month battle against the disease. Davis was elected to the National Football Foundation and College Hall of Fame in 1979.   
     1964 - Mariner 4, the first successful mission to Mars. Approached within 6,118 miles of Mars on July 14,1965. Took photographs and instrument readings.
    1964 - President Lyndon Johnson's top advisers--Maxwell Taylor, Dean Rusk, Robert McNamara, and other members of the National Security Council--agree to recommend that the president adopt a plan for a two-stage escalation of the bombing of North Vietnam. The purpose of this bombing was three-fold: to boost South Vietnamese morale, to cut down infiltration of Communist troops from the north, and to force Hanoi to stop its support of the insurgency in South Vietnam. While his advisors agreed that bombing was necessary, there was a difference of opinion about the best way to go about it. Johnson's senior military advisers pressed for a "fast and full squeeze," massive attacks against major industries and military targets in the north. His civilian advisers advocated a "slow squeeze," a graduated series of attacks beginning with the infiltration routes in Laos and slowly extending to the targets in North Vietnam. Ultimately, the civilian advisers convinced Johnson to use the graduated approach. The bombing campaign, code-named Rolling Thunder, began in March 1965 and lasted through October 1968.
     1965 - President Elect Ferdinand Marcos of the Philippines states that he will send troops to South Vietnam, in response to President Lyndon Johnson's call for "more flags" in Vietnam. Johnson hoped to enlist other nations to send military aid and troops to support the American cause in South Vietnam. The level of support was not the primary issue; Johnson wanted to portray international solidarity and consensus for U.S. policies in Southeast Asia. The Philippines sent a 1,500-man civic action force in 1966; the United States paid for the group's operating costs and also provided additional military and economic aid to Marcos in return for sending his troops. Several other countries--including Australia, New Zealand, South Korea, and Thailand--responded to Johnson's call and sent troops to South Vietnam. Collectively, these troops were known as the Free World Military Forces, and they fought alongside American and South Vietnamese troops.
    1964- Trumpeter Hugh Masekela is a featured guest on CBS-TV's game show To Tell The Truth.
    1964-The Shangri-Las' teen-trouble classic, "Leader Of The Pack" topped the Billboard Hot 100 singles chart. It made #11 in the UK. Beatles' drummer Ringo Starr said about the song:"Oh no, they're saying the leader of the pack's dead and all that. This record's a load of rubbish. Turn it off."
    1964 - President Lyndon Johnson's top advisers--Maxwell Taylor, Dean Rusk, Robert McNamara, and other members of the National Security Council--agree to recommend that the president adopt a plan for a two-stage escalation of the bombing of North Vietnam. The purpose of this bombing was three-fold: to boost South Vietnamese morale, to cut down infiltration of Communist troops from the north, and to force Hanoi to stop its support of the insurgency in South Vietnam. While his advisors agreed that bombing was necessary, there was a difference of opinion about the best way to go about it. Johnson's senior military advisers pressed for a "fast and full squeeze," massive attacks against major industries and military targets in the north. His civilian advisers advocated a "slow squeeze," a graduated series of attacks beginning with the infiltration routes in Laos and slowly extending to the targets in North Vietnam. Ultimately, the civilian advisers convinced Johnson to use the graduated approach. The bombing campaign, code-named Rolling Thunder, began in March 1965 and lasted through October 1968.
    1965 - President Elect Ferdinand Marcos of the Philippines states that he will send troops to South Vietnam, in response to President Lyndon Johnson's call for "more flags" in Vietnam. Johnson hoped to enlist other nations to send military aid and troops to support the American cause in South Vietnam. The level of support was not the primary issue; Johnson wanted to portray international solidarity and consensus for U.S. policies in Southeast Asia. The Philippines sent a 1,500-man civic action force in 1966; the United States paid for the group's operating costs and also provided additional military and economic aid to Marcos in return for sending his troops. Several other countries--including Australia, New Zealand, South Korea, and Thailand--responded to Johnson's call and sent troops to South Vietnam. Collectively, these troops were known as the Free World Military Forces, and they fought alongside American and South Vietnamese troops.
    1965 - Elvis Presley, surrounded by friends including Larry Geller, "drops" LSD for the first time at Graceland, joined by girlfriend Priscilla Beaulieu. After staring at each other’s distorted faces, the tropical fish in his aquarium, and, the next day, at dew drops on the breathing grass, both decide that they'd be risking their sanity to try the drug again.
    1965-Haight Ashbury Vietnam Committee:
Historic first organization against the Vietnam War
The Vietnam War was the longest and most unpopular military conflict in U.S. history. More than 58,000 Americans were killed and 304,000 wounded, (up to 4 million Vietnamese were killed). The war began soon after the 1954 Geneva Conference divided Vietnam at 17 N lat. into the Communist-supported Democratic Republic of Vietnam (North Vietnam) and the U.S. supported Republic of Vietnam (South Vietnam). Direct American involvement began in 1955 with the arrival of the first advisors. The first combat troops arrived in 1965 and fought until the cease-fire of January 1973. For the United States, the war ended with the withdrawal of American troops and failure of its foreign policy in Vietnam. The length of the war, the high number of U.S. casualties, and the exposure of U.S. involvement in war crimes such as the massacre at My Lai turned many in the United States against the war.
http://click.linksynergy.com/fs-bin/click?id=kvut7LOpYpA&offerid=124003.613909397&type=10&subid=
    1968- The Beatles' The Beatles (a/k/a "The White Album") hits #1
    1968 - The first major rock concert on the East Coast, the Miami Pop Festival, takes place, a three-day affair featuring Chuck Berry, Marvin Gaye, The Turtles, Joni Mitchell, Procol Harum, Steppenwolf, Canned Heat, Iron Butterfly, The McCoys, Fleetwood Mac, The Box Tops, Three Dog Night, Pacific Gas and Electric, and The Grateful Dead.
    1971- Sha Na Na makes the big time tonight, headlining Carnegie Hall with host Keith Moon of the Who (a huge fan of the group, as it turns out).
    1972 - Mick Jagger visits Managua, Nicaragua with his wife Bianca, searching for her mother after a devastating recent earthquake that claimed thousands of lives. Fortunately, Bianca's mother is fine.
    1974 - Helen Reddy's "Angie Baby" hits #1
    1974-Elton John was joined on stage by John Lennon at Elton's Madison Square Garden concert. They performed three numbers together, "Whatever Gets You Through the Night", "Lucy in the Sky With Diamonds" and "I Saw Her Standing There". Lennon had promised the flamboyant rocker that he would make a stage appearance with him if his "What Gets You Through the Night" became a #1 hit, which it did two weeks earlier. Later that same night, Lennon and his estranged wife Yoko Ono reconciled backstage after being separated for a year.    
    1979 - the first goalie to scare a goal in the National Hockey League was Bill Smith of the New York Islanders. In a game against the Colorado Rockies at the Nassau Coliseum in Uniondale, NY, Smith stopped a shot that rebounded and slid all the way down the ice into the opposing team's goal.
    1993-Whitney Houston's "I Will Always Love You" reaches the top of the Billboard Hot 100 where it will stay unchallenged until next March.

[headlines]

-------------------------------------------------------------

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

[headlines]

--------------------------------------------------------------

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

[headlines]

--------------------------------------------------------------

http://www.gasbuddy.com/
http://www.gasbuddy.com/GB_Map_Gas_Prices.aspx
http://www.gasbuddy.com/GB_Mobile_Instructions.aspx

[headlines]

--------------------------------------------------------------

Weather

See USA map, click to specific area, no commercials

http://www.weather.gov/

[headlines]

--------------------------------------------------------------

Traffic Live---

Real Time Traffic Information

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

--------------------------------

[headlines]

Independent, unbiased and fair news about the Leasing Industry.

Editorials (click here)

Ten Top Stories each week chosen by readers (click here)

Features


Adopt a Pet
Bank Beat
Career Crossroads-Emily Fitzpatrick/RII
Cartoons
Charlie Chan sayings
Computer Tips
Employment Web Sites
Fernando's Review
From the Desk of Michael Witt, Esq.
Leasing 102
Leasing Cases by Tom McCurnin
Online Newspapers
Placards
Sales Make it Happen
Spark People—Live Healthier and Longer
The Secret of Our Success
To Tell the Truth
View from the Top
 


Top Stories

(chronological order)


- Colford Capital Acquires Equilease Financial Services
- Element Acquires CoActive Capital from Marubeni
- What You Missed in Marlin Leasing’s Last Press Release
- Alexa Rates Web News Standings
- Third-IFC Credit Trustee, Northfield, Illinois
   Bulletin Board Complaint
- Hitachi Capital America Corp. Acquires Hennessey Capital
- Radiance Capital, Tacoma, Washington
   Bulletin Board Complaint
- Clean Energy Lease Gets $32 Million Dirty
- East West Bank to cut back Healthcare Leases/Loans?
- Four Software Solutions
    re: Digital device/Laptop Lost or Stolen!
- Excellent Tips by Warren Buffet
- Take Your Banker to Lunch
- Bulletin Board Complaint
    Truck Lenders Group/TruckLendersUSA
- GE Falls as Sales Forecast Cut on Shrinking Finance Unit
- Three Year Audit---and yes, Leasing is Regulated!
- U.S. Bancorp Lease Financing Receivables Charge Off
- Meridian Finance Group Looking Brokers for Europe Biz
- Is Leasing Securitization Dead or Alive?
- "My Three Years with Sheldon Player"
- Why Leasing News is Different
- Nine Month BBB Leasing Company Ratings
  Changes since July 6, 2012
- Bulletin Board Complaints by Kit Menkin
- Operation Lease Fleece--Up-Date October 2012
- Now is the Time! Go for it!!!
   by Christopher Menkin, Editor
- America’s Most Wealthy States
- America’s Poorest States
- New ---IFC Credit BK Trustee Complaint
   Bulletin Board Complaint ---From Bob Robichaud, CLP
- IFC Credit Trustee, Northfield, Illinois
   Bulletin Board Complaint
- Mazuma and Republic Bank Get Snared on PRR Provision
   by Tom McCurnin, Esq.
- Companies who utilize Evergreen Clauses for Extra Lease Payments
- "The Memory Shock"
   by Barry Reitman
- Brican America---September 2012 Update
- Jeff Taylor's Leasing Predictions, Spring, 2006
- Exchange Bank Misses TARP payment
- The Top 50 Restaurant Franchise Brands
- Radiance Capital, Tacoma, Washington
   Bulletin Board Complaint
   Purchase Option on EFA, Won’t Return $5,000 S.D.
- New Case against Mazuma Capital and Republic Bank
  ---Automatic Evergreen Payment---PPR
- Marlin 1st Time Net Income Exceeds Evergreen Income
- Lessor Escapes NY Evergreen Clause Class Action
- Proposed Changes in Lease Accounting
   Lease Project Pain Part of Larger Frustrations
- Largest remaining TARP investments in banks & thrifts
   By Aarti Kanjani, SNL Financial
- New Aggregate Funding Process---and it connects!
- KeyCorp plans big cost cuts
    as it reports lower 2nd Q earnings
- 10 Places to Look for Leasing Business
- New Bank Leasing Companies and others, too
- Quest for Volume and Market Perceptions
   Driving Up Leasing Hiring Demand in Q2
- 30 Days---No Response!
   ---re: Marlin Bulletin Board Complaint
- "Pre-Funding of Leasing" ruling
   By Scott D. Chait, Esq.
- Bulletin Board Complaint
   Integrity Financial Groups, Murray, Utah
- Ten Lawyers Against Evergreen Clause Abuse
- Republic Bank out of leasing?
- 2012's Best Franchise Deals
    QSRmagazine.com
BBB Ratings, July, 2012
Alexa Rating---Leasing News #1
Ladco Leasing/Elavon Fined $418,601
- Top Leasing Web Sites---Updated
- John Otto's HL Leasing Ponzi Scheme Update
- IFC Credit--Rudy Trebels June 2012 Update

- Future of Mobile Devices
- Charles Schwartz and Allied Health
- Why I became a CLP
- Copier Wars---It's more than the lease payment
    by Christopher Menkin
- Results Are In---
   "Application Only" versus Financial Statements?
- A California Leasing Gypsy Arrested by Costa Mesa Police
- Survey of Evergreen Clauses
- Responses to Working with a Smaller Bank Question
- Leasing Gypsies
- OneSource Develops Business License Software
- Talk About Chutzpa, Fanghella has more than Trump
- License Up-Date for Leasing in United States
- Loan/Lease Statute Up-Date
- Three Class Action Suits re: Brican America
- Verifying Tax Returns
- Starting a Leasing Company-Four Parts
   by Mr. Terry Winders, CLP
- Free Mobile Wine Program
- Special Report: Part I
   Could Church Kiosks, Royal Link Carts, NorVergence results been avoided?

   The use of “Equipment Finance Agreements”
- Special Report: Part II
    Bank of the West

   Equipment Lease Agreement (EFA)
- California License Web Addresses
- Settlement Costs Vs. Litigation Costs