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Marlin Leasing Reports $4.7 MM 3rd Quarter

Third Quarter Highlights:

• Net income of $4.7 million for the third quarter of 2013, an increase of 37% compared to the third quarter of 2012

• New lease originations of $86.1 million for the third quarter of 2013

• Risk adjusted net interest and fee margin of 11.78% for the quarter

• $477.4 million of insured deposits, up 40% year-over-year

• Strong capital position, equity to assets ratio of 23.77%

• Total risk-based capital ratio of 27.43%

• Return on average equity of 10.32%

MOUNT LAUREL, N.J., -- Marlin Business Services Corp. (NASDAQ: MRLN) reported third quarter 2013 net income of $4.7 million, or $0.36 per diluted share. Net income improved 37%, or $0.09 per diluted share over third quarter 2012. For the nine-month period ended September 30, 2013, net income was $12.8 million, or $0.99 per diluted share.

"We're pleased with the steady growth momentum of the business," says Daniel P. Dyer, co-founder and Chief Executive Officer. "Our service-oriented, focused strategy aimed at serving the credit need of the small business marketplace continues to deliver profitable growth and attractive returns on capital," says Dyer.

Third quarter 2013 lease production was $86.1 million based on initial equipment cost, compared to $91.4 million in the second quarter of 2013 and $81.6 million in third quarter of 2012.

Net interest and fee margin of 13.44% is up 8 basis points from the second quarter of 2013 and is down 7 basis points from the third quarter of 2012. The Company's cost of funds improved 13 basis points from the second quarter of 2013 and 58 basis points from the third quarter of 2012. The improvement resulted from the Company's use of lower-cost insured deposits issued by the Company's subsidiary, Marlin Business Bank, its primary funding source.

The allowance for credit losses as a percentage of total finance receivables is 1.23% at September 30, 2013, and represents 241% of total 60+ day delinquencies.

Leases over 30 days delinquent were 0.83% of the Company's lease portfolio as of September 30, 2013, 12 basis points lower than the second quarter of 2013. Leases over 60 days delinquent were 0.45% of the Company's lease portfolio as of September 30, 2013, down 5 basis points from 0.50% at June 30, 2013. Net charge offs as a percentage of total finance receivables were 1.55% for both the third quarter ended September 30, 2013 and the second quarter ended June 30, 2013 compared to 0.89% for the third quarter ended September 30, 2012.

The Company's efficiency ratio was 49.8% for the quarter ended September 30, 2013, compared to 53.0% for the quarter ended June 30, 2013 and 56.4% for the quarter ended September 30, 2012.

The Company's consolidated equity to assets ratio is 23.77%. Our risk based capital ratio is 27.43%.

In conjunction with this release, static pool loss statistics and a vintage delinquency analysis have been updated as supplemental information on the Investor Relations section of the Company's website at www.marlincorp.com.

The Board of Directors of Marlin Business Services Corp. today declared a $0.11 per share quarterly dividend. The dividend is payable December 2, 2013, to shareholders of record on November 18, 2013. Based on the closing stock price on November 5, 2013, the annualized dividend yield on the Company's common stock is 1.66%. This is in addition to a $2.00 special dividend paid on September 26, 2013.

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

Marlin Business Services Corp. Announces
Retirement of George D. Pelose

MT. LAUREL, N.J., -- Marlin Business Services Corp. (Nasdaq: MRLN) announced the retirement of George D. Pelose from his position as Executive Vice President and Chief Operating Officer of the Company. Mr. Pelose, who began his Marlin career in 1999 as the Company's General Counsel, commented, "It was a very difficult decision to leave Marlin, but I believe it is the right time for me to step away so I can pursue my outside interests. Since joining Marlin in 1999, I have had the opportunity to work with many talented people to help drive Marlin to what it is today, a leader in the small ticket commercial finance arena. It has been a great privilege to have been part of the Marlin team and the Company's track record of success. I plan on working closely with Dan and his team during the first quarter of 2014 to ensure a smooth transition."

"On behalf of the entire organization, I'd like to take this opportunity to personally thank George for his significant contributions and his 15 years of dedicated service. He has led the Company through change and was instrumental in shaping Marlin and successfully growing the Company. We wish him much success as he pursues other interests," said Daniel P. Dyer, Marlin's Chief Executive Officer.

"In conjunction with George's departure, I am pleased to announce changes to the structure of the senior management team. In connection with the transition, Ed Dietz, currently Marlin's General Counsel, will assume additional management responsibilities. Since joining Marlin in 2010, Ed's has been an integral part of the senior management team and has played important roles in many aspects of the Company's business operations. In the newly created role of Vice President of Administration, Mr. Dietz will add responsibility for Business Operations, Asset Recovery, Human Resources and Insurance to his existing reporting lines, which include the Legal and Compliance functions. The Credit Underwriting and Portfolio Management roles, previously reporting to Mr. Pelose, will now report directly to me," added Mr. Dyer.

About Marlin Business Services Corp.
Marlin Business Services Corp. is a nationwide provider of innovative equipment financing solutions for small and mid-size businesses. Since its inception in 1997, Marlin has financed a wide array of commercial equipment and software for a quarter of a million business customers. Marlin's mission is to offer convenient and cost-effective financing products while providing the highest level of customer service. Marlin is publicly traded (NASDAQ: MRLN) and owns and operates a federally regulated commercial bank, Marlin Business Bank. For more information, visit www.marlincorp.com or call toll free at (888) 479-9111.

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

 

Mr. Terry Winders available as a consultant regarding assisting attorneys in resolving disputes or explaining procedures or reviewing documents as utilized in the finance and leasing industry. He is the 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. 502.649.0448/terrywinders11@yahoo.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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Marlin Leasing Web Site Information
George Pelose

George D. Pelose became our Executive Vice President, General Counsel and Secretary in July 1999 and became our Chief Operating Officer in December 2006. Prior to that, from 1997 to 1999, Mr. Pelose was an attorney with Merrill Lynch Asset Management, providing legal and transactional advice to a portfolio management team that invested principally in bank loans and high-yield debt securities. From 1994 to 1997, Mr. Pelose was an associate at Morgan, Lewis & Bockius LLP in the firm’s Business & Finance section where he worked on a variety of corporate transactions, including financings, mergers, acquisitions, private placements and public offerings. From 1991 to 1994, Mr. Pelose attended law school. From 1986 to 1991, Mr. Pelose was a corporate loan officer in the commercial lending division of PNC Bank. Mr. Pelose received both his undergraduate degree in economics and his law degree from the University of Pennsylvania, both with honors. Mr. Pelose is licensed to practice law in New Jersey and Pennsylvania.
www.marlinleasing.com

Marlin Stock Held as of last filing 9/9/13
184,435 (he originally had 198,141 but here sold 8,305 shares at $25.76)

From Equilar:

Age: 48
Salary and Bonus $593,825

Insider Transactions
Last 3 years
Option Exercised: $957,778
Stock Sold: $2,790,199
New Equity Grants: $122,766
http://people.equilar.com/bio/george-pelose-mrln/salary/76107

 

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)

Aggregate Funding Sources
(On Line: connects lessees, lessors, and vendors)

It appears that In-a-Jiffy, which was formed two years ago, and was also a member of the National Association of Equipment Leasing Brokers to attract business, is no longer in leasing. It appears the web site now specializes in web and mobile aps, as is the main background of its founders.

At the turn of the century, 2000, there were over 30 aggregate online companies who were to automate putting lessee and lessor together as well as attracting business from third party originators, including brokers and vendors.

Now there appear to be only two active:

The companies were contacted for additional information, but did not supply them.

Capital Relay states on their web site they have 661 brokers and 120 lenders on their network.

Ecologic states on their web site they were founded in 2000 as "e-leasinghub.com, name changed, then March, 2003 a management team led by Michael Keeler, CEO took over. In 2008, they acquired Captara, a competitor, they note." In 2008, Ecologic renewed agreements with all of Captara's clients and ported their software capabilities, data, and lessor network to Ecologic's software services platform, LeaseAccelerator 5.0...Today, Ecologic has executive offices in metropolitan Washington, DC, Montreal, QC, and San Francisco, CA. However, most of Ecologic's employees work out of their home offices." 

They list client testimonials:
http://www.ecologicleasing.com/cts.htm

	CapitalRelay.com
	www.ecologicleasing.com

Top eLeasing companies as ranked by employees and volume

Rank	Company Name Year Founded	Employees	CEO	Additional Services Offered	Yearly Volume	Major Clients
	CapitalRelay.com (913) 749-1203 Overland, Kansas	N/R	N/R	N/R	N/R	N/R
	ecologicleasing.com N/R	N/R	N/R	N/R	N/R	N/R

 

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Leasing Portals
(Business to Business including Finance/Leasing)

One site is free, the other two require a subscription for "leads" or "sources." Portals were the original browsers that are now much broader, such as Google or Yahoo. They basically link users to other reference sites. These portals are aimed specifically at business sites and network.

bizwiz.com
businessfinance.com 
capital-connection.com 
clearlease.com

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Classified Ads---Sales

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

Boston, Mass. Accomplished Sales & Relationship Management Professional with business development experience in the financial services industry. Recognized by market leaders as industry expert in Professional Practice financing, as well as Residential Mortgage Lending. Keen insight and understanding of transaction process and financial requirements of customer. Proven record of exceeding sales goals. deb.harold@hotmail.com

Central Coast of California, equipment financing sales, 25 years B2B small business sales, business development, vendor and program management, 10 years in broker business as owner, seeks opportunity to cover Ventura, Santa Barbara, San Luis Obispo, Monterey, Kern and Fresno Counties or larger Western Region – experience with most equipment applications, travel welcomed.  Joe Friedling Paso Robles, CA joe@pecusainc.com 1-888-606-7300

Montgomery, AL Individual with 10 years advertising sales exp. & 7 years insurance sales exp. Wants independent contractor situation in Alabama. Work with leasing company or broker. 334-590-5133 E-mail: billmcneal2003@yahoo.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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New Hires—Promotions

 

Barry Abelsohn hired as National Sales Manager at Alliance Funding Group, Anaheim, California. Previously he was vice-president, equipment leasing, Bank of Cardiff (February, 2011-October, 2013), national sales manager, Alliance Funding Group (May, 2000-January, 2011), sales executive, California First Leasing Corporation (2006-2007), sales and production manager, Clone Duplicating and Printing (1994-2005). Honors & Awards: Excellence in Sales for June 2008, January 2009, November 2009, March 2010, April 2010, and September 2010. Outstanding Excellence in Sales for 2009, Presidents Club 2009.Oustanding Excellence in Sales for 2010, Presidents Club 2010, Presidents Club 2011.
www.linkedin.com/in/barryabelsohn

Charles Diehl named Credit Administrator - Vice President at Argent Bank (formerly Commerce National Bank), greater Los Angeles, California area. He joined Commercial National Bank November, 2009, and recently was vice president, credit manager, Anaheim, California.

Previously he was owner Diehl Consulting (March, 2009), vice-president, credit manager, Comerica (September, 2000-March, 2009), vice president, credit manager, JLA Credit Corporation (July, 1988-December, 1999). State University of New York at Stony Brook BA, Sociology, Physics, Math.
www.linkedin.com/in/charlesdiehl

Jennifer Gysel promoted to AVP Credit & Marketing at Money In Motion, Winnipeg, Manitoba, Canada. She joined the firm in June, 2005 with prior position as vp marketing Western operations. Previously she was sales coordinator, National Leasing (2001-2005), firearm licensing coordinator, federal firearm licensing (1999-2000), customer service representative, Belgian-Alliance Credit Union (1997-1999). Languages: French. College Louis Riel; Red River College, Management, Business Administration and Management, General.
ca.linkedin.com/pub/jennifer-gysel/45/a82/422

Carlos Iturate named equipment leasing sales manager for National Funding, San Diego, California. Previously he was sales and customer acquisition, WIFI Wireless, Inc. (December, 2012-March, 2013) Partner/CEO, Home Solutions, Inc. (August, 2008-September, 2012), center sales manager, AT&T (February, 1998-May, 2008). Ashford University, Bachelor's degree, Organizational Management (2012 – 2014-expected), University of Phoenix, Bachelor's degree, Marketing (2004–2010).
www.linkedin.com/pub/carlos-ituarte/64/61/856

Philip Lancashire named working capital sales manager for National Funding, San Diego, California. Previously he was sales manager, Games in Gear/Video Game Party Mobile Theater (July, 2011-October, 2013), direct sales manager, GreatCall (January, 2010-July, 2011), sales manager Aplus net (2006-November, 2009).

Michael McGinley named vice-president of collections at Univest Capital, Souderton, Pennsylvania. He joined Univest Bank and Trust, January, 2010. Previously he was vp, equipment leasing, First National Bank of Chester County (December, 2008-December, 2009), sr. vp-account services (January, 2002-November, 2008).Widener University, MBA, Finance (1991 – 1996), University of Pennsylvania, BA, English, (1979 – 1983). Activities and Societies: Phi Gamma Delta Fraternity University of PA Rugby Club.
www.linkedin.com/pub/michael-mcginley/13/652/76

David McMichael named General Counsel at Northpoint Commercial Finance LLC., Alpharetta, Georgia. Previously was commercial lending and finance attorney in practice (November, 2010-November, 2013), division attorney, Textron Financial (April, 2003-November, 2010), workout officer, CIT (November, 1997-October, 2002). The University of Texas School of Law JD, (1993 – 1996), The University of Texas at Austin, BA with honors (1990 – 1993).
www.linkedin.com/in/dmcmichael

 

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Sales Makes it Happen by Steve Chriest

Sales Training Doesn't Work – And What To Do About It

For some time now I've known that sales training doesn't work. That isn't to say that sales training doesn't benefit some salespeople, sometimes-----but it doesn't work for most organizations for a variety of reasons. There are, fortunately, steps managers can take to change this reality.

There are a number of reasons sales training doesn't work for most selling organizations; besides, important ones such as:

• Lack of executive sponsorship of the training,
  

• Sales management's unwillingness or inability to reinforce and sustain the training

• The absence of a plan to incorporate new concepts and skills into a sales process that will be followed by all members of the sales team.

The chief reason sales training doesn't work, in my opinion, is that few managers understand that sales training doesn't change behavior. Yes, they can memorize key words, key selling points, read a script over the telephone, and even know the product very well.

Thousands of training companies offer sales training for cold-calling, prospecting, planning account strategies, sales call planning, presenting to clients, negotiating and so on, and while many of these contain useful information, there isn't one sales training program I'm aware of that will, by itself, change any salesperson's behavior.

So, what is it that changes selling behaviors? The academic answer may be complex, but for us regular folks it's pretty simple – salespeople, like anyone, will change their behavior when they perceive that there is something substantial in it for them to change.

Changing behavior is a process, and like all processes, it must be managed. Behavior isn't changed in the same way you flip on a light switch. Salespeople almost never raise their hands to request sales training from their managers, and it's difficult to convince most salespeople that they need to change their selling behaviors.

An effective prescription for changing selling behaviors will include a consensus among senior manager of the relevance of the sales training to the most important strategic objectives of the business. Senior managers are much more likely to encourage and support a sales training initiative that promises to positively impact critical strategic objectives than sales training that delivers entertainment, and little else, to the sales team.

The next step, and this one is absolutely critical, is to communicate to the sales managers and the sales team the direct connection between the sales training and the strategic objectives of the business. Now, perhaps for the first time, the sales team can see the potential impact of their activities on important business objectives, instead of seeing only their effect on the top line and on their commission checks.

Once the sales team understands their role in helping the company achieve the strategic business objectives, they must clearly see how changing their selling behaviors will help them directly impact the objectives and how they will personally benefit from the change. Money is always an important factor, but so is personal development and growth as a sales professional.

The failure of sales training costs companies billions of dollars annually and wastes everyone's time, but it doesn't have to be that way. When sales training is an integral part of a well thought out plan for changing behaviors to meet strategic objectives, the sales training can work, selling behaviors can change, and the company, its managers and the sales team can win.

It is not something that happens once, such as attending a class and graduating. It is a basic that constantly needs attention and direction to make it work for the benefit of the company, and the individual.

About the author: Steve Chriest is the founder of Selling UpTM (www.selling-up.com), a sales consulting firm specializing in sales improvement for organizations of all types and sizes in a variety of industries. He is also the author of Selling The E-Suite, The Proven System for Reaching and Selling Senior Executives and Five Minute Financial Analyst, Basic CREDIT & Analysis Tools for Non-Accountants. He was the CEO of a very successful leasing company and executive at a major company.

You can reach Steve at schriest@selling-up.com.

 

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Classified Ads---Help Wanted

Sales Account Executives Jacksonville, FL/Philadelphia, PA Small Ticket funder with broad funding and exceptional vendor service capabilties. E-mail resume to: garyshivers@navitaslease.com Navitas Lease Corp is an innovator in the Small Ticket Leasing Industry.  We offer solutions to small-to-medium sized businsses looking to acquire and finance equipment.

 

Software Programmer Fort Collins, Colorado SQL & .Net programmer for Vision Commerce Platform, Min. 2yr. exp.,Bachelor’s degree ---or Course Work in related field Click here for more information www.pawneeleasing.com -Est. 1982, specializing in the under $75,000 marketplace to smaller, closely-held businesses--

 

 

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The List— October 2013
--- Mergers, Acquisitions & Changes
"The Good, the Bad and the Ugly"

Heritage Pacific Leasing, Fresno, CA (10/13) Court Upholds Ruling Surviving Spouse Liable, ---Kathleen Otto Responsible for Debt
http://leasingnews.org/archives/Oct2013/10_31.htm#court

Proviso Financial Services, Coquitlam, British Columbia (10/13) $618.00 Bulletin Board Complaint http://leasingnews.org/archives/Oct2013/10_29.htm#provisoa

Integrity Financial Groups, Murray, Utah (10/1) Dallin Hawkins Second Arrest within 25 days http://leasingnews.org/archives/Oct2013/10_29.htm#third

Balboa Capital, Irvine, California (10/13) settlement made, undisclosed, but documents indicate $5 million plus will cost Balboa (10/13) Looks like mass fax class action case will cost Balboa $5 million. Settlement not to be disclosed; hearing set.
http://leasingnews.org/archives/Oct2013/10_29.htm#balboa

CIT Group, New York (10/13) CIT Third Quarter Net Income $200 Million
http://leasingnews.org/archives/Oct2013/10_23.htm#cit

Five Point Capital, San Diego, CA (10/13) moves main operation over to National Funding, Dave Gilbert's second company as well as third company he is involved with: Quick Bridge Funding, direct working capital loans.
http://leasingnews.org/archives/Oct2013/10_21.htm#growth

First National Capital, Foothill Ranch, California (10/13) class action case to be dismissed regarding recording salesmen on company telephones.
http://leasingnews.org/archives/Oct2013/10_06.htm#class

Windset Capital, Salt Lake City, Utah (10/13) Part of Chesswood Group, following Pawnee in working capital loans in United States.
http://leasingnews.org/archives/Oct2013/10_04.htm#windset

LEAF, New Jersey (10/13) Refinances.
http://leasingnews.org/archives/Oct2013/10_04.htm#assured

De Lage Landen Financial Services, Wayne, Pennsylvania (10/13) Sues Element Financial Corp. for Activities of Former Employee Who After Accepting Employment with Competitor and While Still Employed by DLL, Turned Over His Laptop to the Competitor.

Alphabetical
http://www.leasingnews.org/list_alpha_new.htm

Chronological
http://www.leasingnews.org/list_chron_new.htm

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On Line Equipment Auction List

This is not a list of companies who hold auctions primarily, but those who conduct on line auctions.

asset-auctions.com	Online Auctions – Monthly Sales, Weekly Heavy Equipment Auction Every Tuesday. And Bi-Weekly Auctions From The Tennessee Department Of General Services Every Other Tuesday. Now part of Ritchie Bros. EquipmentOne
auctioneerexpress.com	Tractor, Mower, Dump Truck, Mower, Cutter, 13 Tire Roller
eBay.com	All types of Equipment
eBaymotors.com	Trucks and vehicles
govocon.com	Both live and virtual online auction format, light and heavy equipment for the construction and transportation industry
govliquidation.com	Mostly trucks and related equipment
HeavyEQ.govdeals.com	Heavy Equipment, Truck and Machinery Industry Online Gov't Surplus Auctions - Over 1,000 Government Clients
inplaceauction.com	Caters to lessors, lenders, and bankruptcy trustees, conducting both virtual and live auctions of all types of assets including:  Agricultural, Medical, Industrial, Transportation, Trucks, Construction, Real Estate, etc.  Appraisals - on site and desktop.
ironplanet.com	Cranes, Trailers, Equipment Trucks
motleys.com	Construction Equipment & Trucks
municibid.com	Municibid is an online government auctions website designed specifically for the sale of surplus and forfeited/seized goods directly by the government publicsurplus.com
PentonEquipmentAuctions.com	Specializes in government surplus auctions. Browse by equipment or by specific government auctions.
salvex.com	Salvaged equipment for both re-seller and end user.
tractorhouse.com	Mostly farm equipment
usgovbid.com	Government Online Auctions - Servicing Government Agencies for over a Decade

List of many auction sites for consumer and vehicle:
http://www.100auctionsites.com/

Online auction Top Ten Most Popular Sites
(Primarily for consumers or consumer merchandise)
http://online-auction-sites.toptenreviews.com/

 

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USA/UK Leasing Hiring Hot/Rest of Global Cold
ZRG Partners Show Less Demand Except for USA & UK

ZRG’s Global Equipment Leasing and Asset Finance Hiring Index showed a 17% decline in hiring demand during the third quarter, dropping from 69.7 to 59.2.

Report from ZRG Partners:

Hiring was consistently less robust across Europe, Asia Pacific and South America during the quarter. This comes on the heels of fairly consistent regional growth globally in most markets last quarter.

In a noticeable decline, Brazil, Russia, India, China are the main countries which dropped to a 12 month low, after three straight quarters of increases.

Germany and France continue to show less job opportunity again, opening up the question of when the bottom will be reached for demand in these critical hiring areas. Executives in Germany and France seem more optimistic about 2014 hiring in ZRG discussions given depressed headcount and optimism for improved economic signs on the horizon.

On the positive side, the United States continues to post hunger for talent and desire to grow, as evidenced by increased open job positions. Much of this is driven by demand being created with several new major player s entering the US markets, causing incumbents to backfill and fight harder for key talent that can drive profitable asset growth in portfolios.

“Lift-out” continues to be a key buzzword in many lenders’ growth strategy for 2014.

The UK has shown four straight months of improving demand and is the other area globally that is showing signs of growth and hiring for lending and leasing professionals.

http://zrgpartners.com/

Full ZRG Global Report:
http://www.leasingnews.org/PDF/2013-Q3-GELAF-Hiring-Index-Global.pdf

USA Equipment Leasing Market Continues to Sizzle
by Larry Hartmann, ZRG Third Quarter Report
http://leasingnews.org/archives/Nov2013/11_05.htm#usa

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

NACM Joins ACFE's Efforts to Promote Fraud Awareness

The National Association of Credit Management (NACM) joined hundreds of other organizations in supporting the goals of International Fraud Awareness Week, hosted from November 3-9, 2013 by the Association of Certified Fraud Examiners (ACFE)

Columbia, Maryland – The National Association of Credit Management (NACM) joined forces with hundreds of other organizations by participating in International Fraud Awareness Week, November 3-9, 2013, to promote anti-fraud awareness and education.

Organizations around the globe currently lose an estimated 5% of their revenue due to fraud, according to the Association of Certified Fraud Examiners (ACFE). NACM was founded on the belief that the key to reducing fraud losses is the free and open exchange of historical credit information between businesses, and the organization has worked for more than a century to support a business environment where this exchange is possible. NACM's most recent effort to reduce fraud through increased data sharing has been through its National Trade Credit Report (NTCR), which provides companies with a powerful fraud prevention tool that relies on the strength of historical payment data, submitted to NACM's database from thousands of businesses across the country. Billions of dollars of goods and services are transacted daily through the business credit process and in many instances that fraudulent activity can be detected through the careful review of a credit report like the NTCR. Of course, the more companies report this data, the more focused and preventative the NTCR becomes.

"Simply put, the more data there is out there on businesses, the fewer places fraudsters will have to hide," said NACM President Robin Schauseil, CAE. "Preventing fraud was the whole reason that NACM was founded more than 100 years ago, and what was true then is true now: one of the best ways for the business community to collectively reduce the risk of fraud is to embrace the free and open exchange of credit information by sharing their accounts receivable data with businesses and organizations that offer trade credit reports."

In addition to the NTCR, NACM has continued to promote fraud awareness through its educational programs, advocacy efforts, credit group meetings and various other anti-fraud resources. "NACM was formed in the late-19th century in the wake of a financial crisis, and in an environment where there was little to no information on other businesses and fraud was virtually undetectable," said NACM Chairman Toni Drake, CCE. "The individuals that formed NACM coalesced around the idea that there had to be a way to safely exchange business information in order to prevent fraud and future crises. An open environment where companies can access the information they need in order to assess the legitimacy of their customers is key to reducing global fraud losses."

NACM joins hundreds of organizations who have partnered with the ACFE for the yearly campaign also known as "Fraud Week." The movement raises awareness of the need to proactively fight fraud and help safeguard business and investments from the growing fraud problem.

###

About the National Association of Credit Management
NACM, headquartered in Columbia, Maryland, supports more than 15,000 business credit and financial professionals worldwide with premier industry services, tools and information. NACM and its network of affiliated associations are the leading resource for credit and financial management information, education, products and services designed to improve the management of business credit and accounts receivable. NACM’s collective voice has influenced federal legislative policy results concerning commercial business and trade credit to our nation’s policy makers for more than 100 years, and continues to play an active part in legislative issues pertaining to business credit and corporate bankruptcy. Its annual Credit Congress is the largest gathering of credit professionals in the world.

NACM has a wealth of member experts in the fields of business-to-business credit, data sharing and fraud. Consider using NACM as a resource in the development of your next credit or finance story.

Website: www.nacm.org

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

((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)

Fernando's View: Special Veteran’s Day Edition
By Fernando F. Croc

Saving Private Ryan (Steven Spielberg, 1998): There are countless fine American movies dealing with courage during wartime, but to many modern viewers this modern classic from Steven Spielberg may stand at the very top of the list. Kicking off with an unforgettable vision of the bloodshed and sacrifice of the D-Day landing near the end of World War II, it depicts the odyssey of a group of soldiers, led by Capt. John Miller (Tom Hanks), as they venture into enemy territory in a dangerous mission: To rescue Private Ryan (Matt Damon), a paratrooper whose brothers were killed in action. With masterly camerawork and often overpowering emotions, Spielberg offers an indelible portrayal of bravery in the face of horror that’s both inspiring and haunting.

Flags of Our Fathers (Clint Eastwood, 2006): One of modern screen’s most enduring stars, Clint Eastwood has also become one of American cinema’s most fascinating and adventurous filmmakers. In this deeply moving WWII drama, he chronicles the fates of the young soldiers who in 1945 raised the flag at the battle of Iwo Jima. With their historic moment captured in a famous photograph, John Bradley (Ryan Phillippe), Rene Gagnon (Jesse Bradford), and Ira Hayes (Adam Beach) quickly become national heroes and media superstars. But at what price has their fame come? With a camera that never flinches from either battlefield brutality or the dark moments of a man’s soul, Eastwood creates a trenchant, profoundly humane portrait of troubled, brave men.

The Best Years of Our Lives (William Wyler, 1946): With WWII over, Hollywood felt the need to turn its sights back home to reassure the civilians the as well as the returning veterans. This Oscar-winning drama looks with great skill and sensitivity at the re-adjustment of a trio of military men as they reenter society. Al (Fredric March) has a devoted wife (Myrna Loy) and a good business, but finds the economic climate at odds with recognition of his fellow war vets’ efforts. Fred (Dana Andrews) struggles to deal with a rocky marriage and battlefield memories, while Homer (real-life paratrooper Harold Russell) faces emotional and physical challenges. William Wyler directs a superb cast in this stirring portrait of a nation’s postwar pain and healing.

Hail the Conquering Hero (Preston Sturges, 1944): For a lighter take on veterans, you can’t go wrong with a comedy from the legendary Preston Sturges. This classic tells the rib-tickling tale of Woodrow (Eddie Bracken), a soldier who, at the height of World War II, gets discharged due to a bout of hayfever. Ashamed to go back to his hometown, he runs into a group of Marines led by gruff Sgt. Heppelfinger (William Demarest), who come up with a war story so Woodrow can retain his dignity. When the entire town welcomes him as a hero and even the Mayor offers him a new position, however, the charade becomes increasingly hard to keep up. A wonderful reminder that humor is as much a staple of a great nation as courage.

The Hurt Locker (Kathryn Bigelow, 2009): After a series of misfires, renowned action director Kathryn Bigelow came roaring back with this intense, Oscar-winning chronicle of a group of bomb-defusing specialists in war-torn Baghdad. Creating an intimate and suspenseful atmosphere, it follows cocky Staff Sergeant James (a breakout performance by Jeremy Renner), by-the-book Sergeant Sanborn (Anthony Mackie) and impressionable Specialist Eldridge (Brian Geraghty) as they make their way through a hostile terrain filled with bombs, snipers, and mercenaries. Stuck in a land where they're always one step away from an explosion, can they stay in one piece until they can go home? Focusing more on character and action than on political ideology, Bigelow offers a taut, kinetic portrait of men at war and grace under pressure.

 

Labrador Retrievor
Mount Laurel, New Jersey Adopt-a-Dog

Kirista

Female
Young
Large
Good with dogs: Yes
Declawed: No
House trained: Yes
Special Needs: No
Spay status: Yes
Up-to-date on vaccinations: Yes
Breed:Black Labrador Retriever (short coat)
Summary: “beautiful!”

”Krista is a beautiful, sweet dog. She is a little shy at first but once she get s to know you she is a love. She is house trained and would do best in a quiet home. She has a real shinny coat. She is an eyecatching gorgoreous lab - the picture does not do her justice. Come for the gentle loving stunning girl today. She was dumped in a kill shelter and pulled in the nick of time. Call and give Krista the home and life she deserves.”

Animal Sanctuary Society Inc.
PO Box 24
Mt. Laurel, NJ 08054 US
animalsanctuarys@aol.com
(856) 642-0004

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/

News Briefs----

Twitter Prices I.P.O. at $26 a Share
http://www.nytimes.com/2013/11/07/technology/twitter-prices-ipo-at-26-a-share.html?emc=edit_na_20131106&_r=0

NY Chief Ray Kelly in talks for JPMorgan job
http://nypost.com/2013/11/06/ray-kelly-in-talks-for-jpmorgan-job/

Blockbuster to close remaining 300 U.S. stores
http://www.chicagotribune.com/business/breaking/chi-blockbuster-to-close-all-stores-20131106,0,2509893.story

Huntington Bank commits $25M to new state microloan program;
$5M earmarked for small biz in Detroit
http://www.crainsdetroit.com/article/20131104/NEWS/1

First Look: Harley-Davidson unveils new Street 500 and Street 750
http://www.latimes.com/business/autos/la-fi-mo-autos-harley-davidson-street-500-street-750-20131101,0,443022.story

 

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

--You May Have Missed It

October's fastest- and slowest-selling cars
http://www.chicagotribune.com/classified/automotive/sns-octobers-fastest-and-slowest-selling-cars-20131104,0,6758867.story

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

SparkPeople--Live Healthier and Longer

The Cold and Flu Survival Guide

Fall in Love with Breakfast
12 Morning Meals Worth Getting Out of Bed for
http://www.sparkpeople.com/resource/nutrition_articles.asp?id=1949

 

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

Football Poem

American Football Poem

Man in the Glass

(The poem Bill Parcells is reportedly read often to his players. )

When you get what you want in your struggle for self
And the world makes you king for a day
Just go to a mirror and look at yourself
And see what that man has to say

For it isn't your father, mother or wife
Whose judgment upon you must pass
The fellow whose verdict counts most in your life
Is the one staring back from the glass

Some people may think you're a straight-shootin' chum
And call you a wonderful guy
But the man in the glass says you're only a bum
If you can't look him straight in the eye

He's the fellow to please, never mind all the rest
For he's with you clear up to the end
And you've passed your most dangerous, difficult test
If the man in the glass is your friend

You may fool the whole world down the pathway of life
And get pats on the back as you pass
But your final reward will be heartaches and tears
If you've cheated the man in the glass

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

Sports Briefs----

Dolphins' Incognito-Martin mess: Is coach Philbin to blame?
http://www.cnn.com/2013/11/06/us/nfl-incognito-martin-behavior-coache

49ers Candlestick seats on sale -- $649 a pair before they're blown up
http://www.contracostatimes.com/news/ci_24458630/49ers-candlestick-seats-sale-649-pair-before-theyre?source=most_viewed

49ers' Mario Manningham, Michael Crabtree make strides to return
http://www.pressdemocrat.com/article/20131106/wire/131109730

New Mariners manager Lloyd McClendon is stepping into a tough spot
http://seattletimes.com/html/jerrybrewer/2022197770_brewer06xml.html

 

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

California Nuts Briefs---

Google says floating barge for showing off new tech
http://blog.sfgate.com/techchron/2013/11/06/google-breaks-silence-about-floating-mystery-barge/#17694101=0

8 Washington condo project loses big in S.F.
http://www.sfgate.com/bayarea/article/8-Washington-condo-project-loses-big-in-S-F-4958982.php

California still has highest poverty rate under new method
http://blogs.sacbee.com/capitolalertlatest/2013/11/california-still-has-highest-poverty-rate-under-new-method.html

Dublin OKs plan that would put nearly 2,000 homes on Camp Parks land
http://www.contracostatimes.com/contracostatimes/ci_24467561/dublin
okays-plan-that-would-put-nearly-2000

Casino Opens: 13 restaurants
http://www.biteclubeats.com/13-restaurants-2-hours/

[headlines]
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“Gimme that Wine”

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

Mondavi connection launches new Umpqua Valley winery
http://www.greatnorthwestwine.com/2013/10/28/mondavi-connection-launches-new-umpqua-valley-winery/

A Chef Whose Touch Will Last
http://www.nytimes.com/2012/04/11/dining/charlie-trotter-a-chef-whose-touch-will-last.html?smid=tw-nytimes&_r=1&

Quality of California Pinot “skyrocketed”
http://www.thedrinksbusiness.com/2013/11/quality-of-california-pinot-skyrocketed/

Australian shareholders sue Treasury Wine Estates
http://www.pressdemocrat.com/article/20131106/business/131109714

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

       1637 - Anne Hutchinson, the first female religious leader in the American colonies, was banished from the Massachusetts Bay Colony for heresy, preaching that fait alone was sufficient for salvation, a belief that contradicted Puritan orthodoxy. She was condemned by an ecclesiastical synod at Newton, Mass, and fled to Rhode Island. She and her family were later massacred by Indians in
the wild, “untamed” part of New England.
http://www.annehutchinson.com/
http://www.forerunner.com/forerunner/X0193_Anne_Hutchinson.html
http://www.buy.com/retail/product.asp?sku=33955947
    1700-The population of the colonies was sparsely scattered over the large area. Below the Delaware River an isolated farm was the usual settlement, save for Charleston, which had about 250 families. Philadelphia had approximately 700 houses. New York about 5000 inhabitants. Newport less than 200, and Boston, the largest city, about 7000. There were approximately 275,000 inhabitants n the colonies. In 1701, the naming of streets was authorized by the Boston Town Meeting. Previously, only Newport and Philadelphia had officially assigned street names. At the end of seven years 109 names were submitted for ratification.
    1805 - Lewis and Clark reached the Pacific Ocean. Their survival over the ‘04-’05 winter was attributed to the help of the Nez Perce Indians.
    1811 – William Henry Harrison, commander of 800 U.S. soldiers fighting marauding Indians organized by Tecumseh, beat off a surprise attack led by Tecumseh’s brother Tenskwatawa, called the Prophet, at Tippecannoe River in north central Indiana. The toll of U.S. soldiers was 61 dead, 127 wounded. Subsequently, Harrison’s troops destroyed the Indian confederacy. Tecumseh and many of his followers crossed over into Canada and joined British forces in the War of 1812.
The fame for this feat later helps him gain the U.S. presidency.
    1814 - Andrew Jackson attacked and captured Pensacola, Florida, without authorization from his superiors. His aim was to end a threat posed by a small British garrison that had caused trouble in the area. Unknown to Jackson, Major General Sir Edward Pakenham had prepared 3,000 soldiers in Jamaica and was sailing to New Orleans to open a British offensive in the South. Pakenham’s army was supplemented by other soldiers brought from England. The opposing armies met in the famed January 1815 Battle of New Orleans. 
    1837 - United States abolitionist Elijah Lovejoy was attacked and killed by a pro- slavery mob at his printing works in Alton, Illinois.
http://memory.loc.gov/ammem/today/nov07.html
    1845-The first presidential voting nationwide took place. January 23,1845, “an act to establish a uniform time for holding elections for electors of President and Vice President in all the states of the Union.” The day selected for voting was “the Tuesday next after the first Monday in the month of November of the year in which they are to be appointed.” Zachary Taylor was elected president of the United States. Millard Fillmore was elected vice president. The electoral vote was Taylor, 163, Lewis Cass, Democratic candidate, 127. The popular vote was Taylor, 1,370,101: Cass, 1,220,544: Martin Van Buren, Free-Soil and Barnburners candidate, 291,263. Taylor, the second and last Whig president, died after 16 months in office. He died of cholera at the age of 55. Vice-President Millard Fillmore was sworn in on July 10,1850, as the 13th president of the United States.
    1847- Lotta Crabtree birthday, taught by the legendary Lola Montez, she was the rage of the English and American stage, leaving a fortune of $4 million. Lotta's Fountain, an ornate drinking fountain which miraculously survived the 1906 San Francisco earthquake, still stands at Market Street near Kearny; her gift to a city she always loved and returned to frequently.
http://www.sfmuseum.org/bio/lotta.html
http://www.standingstones.com/crabtree.html
http://www.ncgold.com/History/LottaCrabtree/lotta.html
    1874 - The Republican Party elephant was born on this date. It was created by Thomas Nast's political cartoon in Harper's Weekly, attacking a possible third term for Republican President Ulysses S. Grant. 
    1876 - Albert H. Hook of New York City patented the cigarette manufacturing machine.
    1876-The presidential election gave Samuel J. Tilden, the Democratic candidate, a popular vote plurality of 250,000, but Republicans refused to concede on the grounds that returns from Florida, Louisiana, South Carolina, and Oregon were in dispute. Hayes needed the electoral votes of those states to win. On December 6 two different sets of electoral returns were reported from the four states. The electoral vote ultimately was determined by a special 15—member electoral commission. The nation had never faced a dispute over the results of a presidential election. The commission was divided by party lines, and deals were made it was said, as Rutherford B. Hayes, received 185 electoral votes to Tilden’s 184. Historians’ state
Hayes made a bargain with Southern Democrats. It is recorded the new president showed a conciliatory attitude toward the South: the last federal troops were withdrawn and there was no further effort to protect the rights of blacks. Reconstruction was over. 
    1885-At 9:30 AM the last spike was driven at Craigellachie, British Columbia, completing the Canadian Pacific Railway’s 2,980-mile transcontinental railroad track between Montreal, Quebec, in the east and Port Moody, British Columbia, in the west.
    1889- Montana becomes the 41st state.
    1893 - The state of Colorado granted women residents the right to vote.
    1916 - Woodrow Wilson, 28th U.S. President, was reelected. The outcome of the election was one of the few in U.S. history that hinged on foreign affairs. Europe was fighting a world war, and so far, President Wilson had kept the U.S. neutral. Running with the slogan, "He Kept Us Out of War," Wilson was re-elected by a narrow margin. The very next year, Wilson’s neutrality in the European war ended. The Germans refused to curtail their submarine warfare after 120 Americans were killed aboard the British liner, Lusitania. Congress voted overwhelmingly to go to war and Wilson proclaimed American entrance into World War I a crusade to make the world “safe for democracy.” Thomas R. Marshall was reelected vice president. The election was so close that the outcome was uncertain for three days, when it became clear that Wilson had carried California, but by fewer than 4000 votes. The electoral vote was Wilson, 277: Charles Evans Hughes, Republican candidate, 254. The popular vote was Wilson, 9,128,837: Hughes 8,536,380. In congressional elections the Democrats lost three seats in the Senate but maintained a 53-42 majority, with one seat going to a minor party. In the House the Democrats again narrowed their majority over the Republicans, 216-210, with six seats held by minor parties.
    1917- Bassist Howard Rumsey born, Brawley, CA.
http://members.tripod.com/~hardbop/rumsey.html
    1918-Birthday of evangelist Billy Graham
http://www.billygraham.org/mediaRelations/bios.asp?p=1
    1922-New Orleans trumpet player Al Hirt birthdayhttp://www.epluri.com/NOTfolder/Acts/AlHirtFolder/AlHirtSalute.html
    1929 - The Museum of Modern Art in New York City was opened to the public. 
    1930 - Wayne King recorded what would become his theme song, "The Waltz You Save for Me", on Victor records. 
    1932 - CBS radio first aired "Buck Rogers in the 25th Century". Between 1932 to 1947, Matt Crowley, Curtis Arnall, Carl Frank and John Larkin played Buck over the years.
    1937- Mary Travers birthday, author, composer, singer, of Peter, Paul, and Mary fame.
    1940-Duke Ellington records at Crystal Ballroom, Fargo, ND.
    1940 - 'Galloping Gertie' Bridge at Tacoma, WA collapsed in winds of only gale force, resulting in a $6 million loss. The bridge opened 4 weeks early. The winds caused the evenly spaced spans of the bridge to vibrate until the central one finally collapsed. From that time on, bridges were constructed with spans of varying length.
    1943-Folk singer Joni Mitchell born Fort Macleod, Alberta, Canada
    1943 - Early snowstorm from South Dakota to Minnesota and Wisconsin. 22 inches fell at Faribault and Marshall, MN, 20 inches at Redwood Falls, MN and 10.1 inches at Minneapolis, MN. Snow drifts 15 feet high were reported in Cottonwood County. Up to 2 feet of snow fell in eastern South Dakota smothering a million thanksgiving turkeys
    1943--THOMAS, HERBERT JOSEPH Medal of Honor
Rank and organization: Sergeant, U.S. Marine Corps Reserve. Born: 8 February 1918, Columbus, Ohio. Accredited to: West Virginia. Citation: For extraordinary heroism and conspicuous gallantry above and beyond the call of duty while serving with the 3d Marines, 3d Marine Division, in action against enemy Japanese forces during the battle at the Koromokina River, Bougainville Islands, Solomon Islands, on 7 November 1943. Although several of his men were struck by enemy bullets as he led his squad through dense jungle undergrowth in the face of severe hostile machinegun fire, Sgt. Thomas and his group fearlessly pressed forward into the center of the Japanese position and destroyed the crews of 2 machineguns by accurate rifle fire and grenades. Discovering a third gun more difficult to approach, he carefully placed his men closely around him in strategic positions from which they were to charge after he had thrown a grenade into the emplacement. When the grenade struck vines and fell back into the midst of the group, Sgt. Thomas deliberately flung himself upon it to smother the explosion, valiantly sacrificing his life for his comrades. Inspired by his selfless action, his men unhesitatingly charged the enemy machinegun and, with fierce determination, killed the crew and several other nearby-defenders. The splendid initiative and extremely heroic conduct of Sgt. Thomas in carrying out his prompt decision with full knowledge of his fate reflect great credit upon himself and the U.S. Naval Service. He gallantly gave his life for his country. 
    1944--NISHIMOTO, JOE M. Medal of Honor
Private First Class Joe M. Nishimoto distinguished himself by extraordinary heroism in action on 7 November 1944, near La Houssiere, France. After three days of unsuccessful attempts by his company to dislodge the enemy from a strongly defended ridge, Private First Class Nishimoto, as acting squad leader, boldly crawled forward through a heavily mined and booby-trapped area. Spotting a machine gun nest, he hurled a grenade and destroyed the emplacement. Then, circling to the rear of another machine gun position, he fired his submachine gun at point-blank range, killing one gunner and wounding another. Pursuing two enemy riflemen, Private First Class Nishimoto killed one, while the other hastily retreated. Continuing his determined assault, he drove another machine gun crew from its position. The enemy, with their key strong points taken, was forced to withdraw from this sector. Private First Class Nishimoto’s extraordinary heroism and devotion to duty are in keeping with the highest traditions of military service and reflect great credit on him, his unit, and the United States Army.
    1944--STRYKER, ROBERT F. Medal of Honor
Rank and organization: Specialist Fourth Class, U.S. Army, Company C, 1st Battalion, 26th Infantry, 1st Infantry Division. Place and date: Near Loc Ninh, Republic of Vietnam, 7 November 1967. Entered service at: Throop, N.Y. Born: 9 November 1944, Auburn, N.Y. Citation: For conspicuous gallantry and intrepidity at the risk of his life above and beyond the call of duty. Sp4c. Stryker, U.S. Army, distinguished himself while serving with Company C. Sp4c. Stryker was serving as a grenadier in a multicompany reconnaissance in force near Loc Ninh. As his unit moved through the dense underbrush, it was suddenly met with a hail of rocket, automatic weapons and small arms fire from enemy forces concealed in fortified bunkers and in the surrounding trees. Reacting quickly, Sp4c. Stryker fired into the enemy positions with his grenade launcher. During the devastating exchange of fire, Sp4c. Stryker detected enemy elements attempting to encircle his company and isolate it from the main body of the friendly force. Undaunted by the enemy machinegun and small-arms fire, Sp4c. Stryker repeatedly fired grenades into the trees, killing enemy snipers and enabling his comrades to sever the attempted encirclement. As the battle continued, Sp4c. Stryker observed several wounded members of his squad in the killing zone of an enemy claymore mine. With complete disregard for his safety, he threw himself upon the mine as it was detonated. He was mortally wounded as his body absorbed the blast and shielded his comrades from the explosion. His unselfish actions were responsible for saving the lives of at least 6 of his fellow soldiers. Sp4c. Stryker's great personal bravery was in keeping with the highest traditions of the military service and reflects great credit upon himself, his unit, and the U.S. Army. 
    1944- President Roosevelt won an unprecedented fourth term in office, defeating Thomas E. Dewey. Roosevelt only lived long enough to serve 53 days of this fourth term. Harry S. Truman was elected vice-president. The electoral vote was Roosevelt, 432: Gov. Thomas E. Dewey, Republican, 99. The popular vote was Roosevelt 25,602,504, Dewey 22,006,285. In congressional elections the Democrats lost two senate seats but held a 56-38 majority. In the House, they gained 24 seats for a 242-190 lead, with two seats held by minor parties.
    1944---*NISHIMOTO, JOE M. Medal of Honor
Private First Class Joe M. Nishimoto distinguished himself by extraordinary heroism in action on 7 November 1944, near La Houssiere, France. After three days of unsuccessful attempts by his company to dislodge the enemy from a strongly defended ridge, Private First Class Nishimoto, as acting squad leader, boldly crawled forward through a heavily mined and booby-trapped area. Spotting a machine gun nest, he hurled a grenade and destroyed the emplacement. Then, circling to the rear of another machine gun position, he fired his submachine gun at point-blank range, killing one gunner and wounding another. Pursuing two enemy riflemen, Private First Class Nishimoto killed one, while the other hastily retreated. Continuing his determined assault, he drove another machine gun crew from its position. The enemy, with their key strong points taken, were forced to withdraw from this sector. Private First Class Nishimoto’s extraordinary heroism and devotion to duty are in keeping with the highest traditions of military service and reflect great credit on him, his unit, and the United States Army.
    1946—Top Hits
Five Minutes More - Frank Sinatra
South America, Take It Away - Bing Crosby & The Andrews Sisters
You Keep Coming Back like a Song - Dinah Shore
Divorce Me C.O.D. - Merle Travis
    1950- Voters in the United States Hawaii Territory ratified a state constitution, a major step in becoming the 50th state on August 21, 1959.
(Lower half: http://memory.loc.gov/ammem/today/nov07.html)
    1951--- Frank Sinatra marries his second wife, actress Ava Gardner. The marriage, her third, lasts six years and is credited for moving Sinatra into his "mature" phase as a singer, with Nelson Riddle stating: "It was Ava who did that, who taught him how to sing a torch song. That's how he learned. She was the greatest love of his life and he lost her."
    1952-- 1952---Birthday of American Composer Ken Hedgecock, Montcello, AR
    1954- “Face the Nation” premiered on TV. The CBS counterpart to NBC’s “Meet the Press,” this show employed a similar format: panelists interviewed a well-known guest. In 1983 the panel was changed to include experts in addition to journalists when Lesley Stahl succeeded George Herman as moderator. Though usually produced at Washington, DC, the show occasionally interviewed people elsewhere (such as Khrushchev in Moscow in 1957). 
    1962- Richard M. Nixon, having been narrowly defeated in his bid for the presidency by John F. Kennedy in the 1960 election, returned to politics two years later as a candidate for governor of California in the election of Nov 6, 1962. Defeated again (this time by incumbent governor Edmund G. Brown, who built the public university and college system in California), Nixon held his “last” press conference with assembled reporters in Los Angeles at mid-morning the next day at which he said: “. Just think how much you’re going to be missing. You won’t have Nixon to kick around any more, because, gentlemen, this is my last press conference.’ 
    1954—Top Hits
I Need You Now - Eddie Fisher
This Ole House - Rosemary Clooney
Papa Loves Mambo - Perry Como
More and More - Webb Pierce
    1956 - Elvis Presley hit the charts with "Love Me", the first million-seller to chart without being a single. It was an EP (extended play) 45 rpm, with three other songs: "Rip It Up", "Paralyzed" and "When My Blue Moon Turns to Gold Again" all on RCA Victor.
    1957 - The final report from a special committee called by President Dwight D. Eisenhower to review the nation's defense readiness indicates that the United States is falling far behind the Soviets in missile capabilities, and urges a vigorous campaign to build fallout shelters to protect American citizens.
    1959-- Smokey Robinson marries Claudette Rogers, still a member of the group and the eventual inspiration for his song "My Girl," made famous by the Temptations. The two would divorce in 1985.     1960--- Elvis Presley "Are You Lonesome To-night?" is released this day.
    1962—Top Hits
He’s a Rebel - The Crystals
Only Love Can Break a Heart - Gene Pitney
All Alone Am I - Brenda Lee
Mama Sang a Song - Bill Anderson
    1963 - New York Yankee Elston Howard, was named the American League’s Most Valuable Player making him the first black player to receive the award.
    1964-The Braves, for the second time in eleven years, receive permission to shift their franchise to another city. Hank Aaron and company will move from Milwaukee to Atlanta after the 1965 season.
    1964-The Marvelettes' "Too Many Fish in the Sea" enters the Billboard Hot 100 where it will reach #25. The song will be the fifth of the group's ten US Top 40 Pop hits. 
    1964-- Barbra Streisand's LP People hits #1
    1964 - The latest U.S. intelligence analysis claims that Communist forces in South Vietnam now include about 30,000 professional full-time soldiers, many of whom are North Vietnamese. Before this, it was largely reported that the war was merely an internal insurgent movement in South Vietnam opposed to the government in Saigon. This information discredited that theory and indicated that the situation involves North and South Vietnam. In Saigon, the South Vietnamese government banned the sale of the current issue of Newsweek because it carried a photograph showing a Viet Cong prisoner being tortured by South Vietnamese army personnel.
    1967- The first mayor of a major city who was African-America was Carl Stokes, a Democrat, elected this day by the citizens of Cleveland, OH.
    1967-- The Beatles record "Magical Mystery Tour"
    1969-- Having tracked down Paul and wife Linda at their farm in Glasgow, Scotland, to disprove the rumors of his death, Paul is the featured cover story of this week's edition of Life magazine, which carries the headline "Paul Is Still With Us." In the interview, Paul debunks several "clues" and adds: "Perhaps the rumor started because I haven't been much in the press lately. I have done enough press for a lifetime, and I don't have anything to say these days. I am happy to be with my family and I will work when I work. I was switched on for ten years and I never switched off. Now I am switching off whenever I can. I would rather be a little less famous these days." 
    1970—Top Hits
I’ll Be There - The Jackson 5
We’ve Only Just Begun - Carpenters
Fire and Rain - James Taylor
I Can’t Believe That You’ve Stopped Loving Me - Charley Pride
    1972 - United States President Richard Nixon was re-elected for a second term, in the greatest Republican landslide, defeating Democrat George McGovern. He became the first president to resign office. Spiro T. Agnew was reelected vice president. The electoral vote was Nixon, 521: Sen. George S. McGovern, Democrat, 17. The popular vote was Nixon 45,767,218: McGovern 28,357,668. The Democrats picked up two Senate seats for a 57-43 majority. The Republicans gained 13 seats in the House, but the Democrats still led 255-179, with one seat going to an independent.
    1973 - New Jersey became the first state in the United States that allowed girls to play on Little League baseball teams.
    1976 - Gone With the Wind was aired (over two nights) on NBC-TV. The showing was the highest-rated TV show in history. 65 percent of all viewers turned on their sets to watch Scarlet O’Hara and Rhett Butler.
    1976 - No. 1 Billboard Pop Hit: ``Tonight's the Night (Gonna Be Alright),'' Rod Stewart.
    1978—Top Hits
You Needed Me - Anne Murray
MacArthur Park - Donna Summer
Double Vision - Foreigner
Sleeping Single in a Double Bed - Barbara Mandrell
    1979 - The Rose, starring Bette Midler, got star treatment with a world premiere in Los Angeles. The movie was modeled after the life of Janis Joplin.
    1979 - No. 1 Billboard Pop Hit: ``Pop Muzik,'' M. The performer's real name is Robin Scott. This is his only song to make the Hot 100.
    1981- “Private Eyes" by Daryl Hall & John Oates topped the charts and stayed there for 2 weeks.
    1985- Former middleweight boxer Rubin “Hurricane” Carter was released from Rahway (NY) State Prison after serving 19 years for a triple murder committed in a Paterson, NJ, bar in 1966. US District Court Judge J. Lee Sorokin ruled that prosecution had violated the civil rights of Carter and a codefendant during their trials in 1967 and 1976. Denzel Washington starred in a movie about his life.
    1986 - Temperatures reached a daily record 86 at New Orleans, LA. It equaled the highest ever for November
    1986 - The longest high school football winning streak to date ended. Canyon High, of Canyon Country, California, lost to Antelope Valley High 21-20. Canyon High racked up 46 consecutive wins before this.
    1986—Top Hits
True Colors - Cyndi Lauper
Typical Male - Tina Turner
I Didn’t Mean to Turn You On - Robert Palmer
It’ll Be Me – Exile
    1986-- Willie Nelson guest stars as a corrupt cop on tonight's "El Viejo" episode of NBC-TV's Miami Vice.
     1987-A sixteen year old singer named Tiffany had the top tune in the US with a cover version of Tommy James' 1967 hit, "I Think We're Alone Now". His rendition stalled at number four. Tiffany became the youngest act to score a US #1 since a 14-year-old Michael Jackson with did it with "Ben" in 1972. 
    1987-I Think We're Alone Now" by Tiffany topped the charts and stayed there for 2 weeks.
    1987 - Bruce Springsteen’s "Tunnel of Love" was the #1 album in the U.S. The rest of the top-five for the week: 2)-"Bad" (Michael Jackson); 3)-"Dirty Dancing" (soundtrack); 4)-"Whitesnake" (Whitesnake); 5)-"A Memory Lapse of Reason" (Pink Floyd).
    1989-L. Douglas Wilder was elected governor of Virginia, becoming the first elected black governor in US history. Wilder had previously served as lieutenant governor of Virginia.
    1989 - Judge Douglas H. Ginsburg asked President Reagan to withdraw his nomination to the United States Supreme Court, citing the clamor that arose over Ginsburg's admission that he had smoked marijuana on occasion. President Roosevelt won an unprecedented fourth term in office, defeating Thomas E. Dewey. Roosevelt only lived long enough to serve 53 days of this fourth term.
    1989- The first Mayor of New York City was African-America was David N. Dinkins, 63, the Manhattan borough president, who was elected this day as a Democrat. He served one term. He was defeated in his 1993 bid for reelection by Republican candidate Rudolph Giuliani, whom he had beaten in 1989.
    1989 - Shortly after daybreak, strong thunderstorms developed in an east-west band across New Orleans and southeastern LA. Rains of 8 to 12 inches deluged a 5 county area from 9 am and 6 pm. The two-day total ending 7 am on the 8th ranged up to 19.78 inches between Lake Lexy and Lake Borgne. 6000 homes reported water damage. The rainfall of 19.81 inches at New Orleans for the month was a record for any month.
    1991- Ervin “Magic”Johnson of the Los Angeles Lakers retires from basketball after announcing that he had tested positive for HIV. Despite his retirement, Johnson played in the 1992 NBA All-Star game and in the 1992 Olympics as a member of the first US Dream Team. He coached the Lakers for part of the 1993-94 season and played part of the 1995-96 season before retiring again.
    1994 - "The Electrical Engineering Times" ran a cover story about flaws in Intel’s Pentium computer chip. The bug, an obscure flaw that caused extremely rare computation errors when performing certain types of mathematical calculations, eventually caused Intel to replace any Pentium processor affected by the flaw, regardless of whether the user was a mathematician or not. Intel took a $475 million charge against earnings for the quarter to cover the expense of replacing all of those chips.
    1995 — The Carolina Panthers win an expansion record fourth game in a row, defeating the San Francisco 49ers 13-7 at 3Com Park. It is the first time in league history that an expansion team defeats the defending world champion.
    1995-- The Captain (Daryl Dragon) and (Toni) Tennille renew their vows in Virginia City, NV on the occasion of their 20th anniversary.
    1998 – Mayor Willie Brown was hit with 3 pastry pies by the Biotic Baking Brigade in protest for "skyrocketing evictions" and his "collusion with big business to perform an economic cleansing of SF." In Feb 1999 Gerard Livernois, Rahula Janowski and Justin Gross were sentenced to 6 months in County Jail for battery after the 3 refused to accept 3 years probation.
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     2003-- In a desperate effort to reassure visitors that the SARS outbreak is no threat, Hong Kong officials invite the Rolling Stones, among others, to play a massive concert in the city. The total cost for appearance fees tops $100 million.
    2006-- Orleans lead singer John Hall is elected to the US House of Representatives from his home state of New York