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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
-Est. 1982, specializing in the under $75,000
marketplace to smaller, closely-held businesses--

Thursday, November 14, 2013

Today's Equipment Leasing Headlines

Northern California Chapter “Lovely Ladies of Leasing”
 Participate in Mermaid Series Run
  By Briana Allen, Acct. Coordinator, First Star Capital
   Classified Ads---Credit
New Hires—Promotions
 Classified Ads---Help Wanted
Why I Became a CLP
John Snyder, CLP, Senior Account Manager
 Alliance Funding Group
  Bob Jacobson as Kris Kringle
   14 Shows from Nov 22--Dec 14
 To Get Even, Securities Lawyer and Wife Plant Drugs
  in School Volunteer’s Car, But Face Trial Instead
   By Tom McCurnin, Leasing News Legal News Editor
    Bank Branch networks continue to shrink
     By Kevin Dobbs and Tahir Ali, SNL Financial
  Lessons about Banking and America from Three Conferences
   by Charles Wendel, Financial Institutions Consulting
    Research on Financial Leasing Industry in China
     2013-2017 by Amy Cole
      Table Tracker For Fast-Casual Restaurants
       12 Years a Slave/Blue Is the Warmest Color
        Monsters University/Byzantium/Computer Chess
         Fernando Croce Film/DVD Reviews
    Bull Dog/English Pointer Mix
     Berkeley, California Adopt-a-Dog
      Open Positions at Leasing Funders/Various Locations
News Briefs---
ELFA Business Council Steering Committee Election Results
 Square Two Financial Noted Innovator User of Technology
  --- President & CEO Paul A. Larkins
   LeasePlan Expands Into Canada
    Yellen Says Economy Performing ‘Far Short’ of Potential
     Aircraft Lessor Impairments Point to Residual Value Risk
      Advance Training Offered: Madison Street Capital India
       and Lal Bahadur Shastri Institute
       Air Lease Corporation Announces Pricing of Public Offering of $700.0
        Million of 3.375% Unsecured Senior Notes due 2019

Broker/Funder/Industry Lists | Features (collection)
Top Ten Stories Chosen by Readers | Top Stories last six months (Be Careful of Doing Business)

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

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Northern California Chapter “Lovely Ladies of Leasing”
Participate in Mermaid Series Run
By Briana Allen, Acct. Coordinator, First Star Capital

“Lovely Ladies of Leasing” is spreading! On November 10th a group of leasing ladies from First Star Capital in the Bay Area teamed up for the Mermaid 5K Run in San Francisco.

The idea for a Northern California chapter came when Kim Shea, CLP from First Star Capital attended the ILP held at Banc of California in Irvine this past August. Several of the LLL’s were in attendance: Tamara McCourt & Amy Spragg as instructors, and Bree Johnson, Jaimie Haver, and Lisa Whitehead were among the students. Hearing the ladies’ fun stories inspired Kim to start a “chapter” back home. We’re hoping the concept spreads to more areas and encourages ladies in the leasing industry to venture out & do fun events together. As Tamara McCourt said, “Whether you are a lessor, broker, or lender, it is a great opportunity to come together and talk leasing, CLP’s, and just have a great time.”

The first LLL event for the new Northern California Chapter was a bonding weekend in San Francisco. Saturday was spent chatting over sangria and tapas at Cha Cha Cha’s on Haight Street before picking up necessities for the race – race bibs…and tutus.

Jennifer Pryor, Credit & Risk Manager and Raquel O’Leary, CLP, Operations Manager

Kim Shea - CLP, Funding Manager // Briana Allen, Account Coordinator // Jennifer Pryor

Sunday, the funding gals headed back to the city in the wee hours of the morning to run in the Mermaid Series 5K in San Francisco. Mermaid Series aims at creating a welcoming and inspiring community for all women. The organization strives to assist as a promoter for positive change in women's lives. As “Lean – In” enthusiasts, a group of perpetual optimists, and firm believers in the importance of self- improvement , it made perfect sense to participate this weekend along with thousands of other Bay Area women.

Kim Shea, Briana Allen, Raquel O’Leary, Jennifer Pryor

Women from all backgrounds, shapes, and sizes participated in the run. It was not only a blast, but it was truly inspiring to see the encouragement and support shared amongst everyone. The ladies are already searching for which event they will participate in next and hope to add even more faces to this chapter of the “Lovely Ladies of Leasing.”

Interested Lovely Ladies can email or

Previous "Lovely Ladies of Leasing" Events:



Classified Ads---Credit

Credit, syndication, workout experience
Exceptional work ethic, common sense coupled with practical experience in equipment finance, consumer, commercial. Can interact with all levels of borrowers and intermediaries. Not an originator – but can help sales team close – great up sell ability. Will relocate for the right opportunity AND can work

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

Free Posting for those seeking employment in Leasing:

All “free” categories “job wanted” ads:


John Kenny Receivables Management

• End of Lease Negotiations & Enforcement
• Fraud Investigation
• Credit Investigations
• Asset Searches
• Skip-tracing
• Third-party Commercial Collections

The Solution to Your Credit & Accounts Receivable Needs 
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(Leasing News provides this ad as a trade for investigations
and background information provided by John Kenny)


New Hires—Promotions

Mark Fagnani named First Senior Vice President & Group Director at HVB Capital. Previously he was principal at MSF Associates (2010-October, 2013), chief credit officer/managing director, Wachovia Capital Finance (1976-2010). He currently is an independent board member WBL SPE1 (January, 2012-Present), board member and treasurer, the Sustainability Center (January, 2011-Present. Bernard Baruch, BBA, Accounting/Finance I completed the Continuing Education course in Business and Finance at the University of Pennsylvania—The Wharton School (PA).

Donna Giovannetti named Director of Marketing at Diversified Transportation Finance, Lubbock, Texas. Previously she was director of marketing and broker relations, Diversified Lenders, Inc. (October, 2008-November, 2013), marketing director, (2005-August, 2011), vice president of corporate communications, McDougal Companies (May, 1994-May, 1999), marketing director, CEV Multimedia, Inc. (1989-1994).Troop Leader Girl Scouts of the USA (September,2004 – June 2012), Led GS Troop 6839 for eight years, from Daisy to Cadet. Distance Education Committee, NAELB National Association of Equipment Leasing Brokers (January 2008 – May 2012); Various - including Newsletter and Fall Festival Events Honey Elementary PTA Board of Directors (September 2004 – May, 2010), Newsletter, Secretary, Hutchinson Middle School PTA Board of Directors (September 2010 – May 2012), Board of Directors, Lubbock High School PTSA (May 2013 – Present).

Rob Kelly has joined EverBank Commercial Finance, Parsippany, New Jersey as relationship manager for the Technology platform. ‘After spending 25 years in leasing at U.S. Bank and Wells Fargo, Rob served for the last two years as CEO and president of the Make-A-Wish Foundation of Iowa where he effectively increased public support by 25 percent and returned the chapter to sound footing.

"Prior to his work in the non-profit sector, Kelly served as business development manager for U.S. Bank’s technology business, where he increased volume by 22 percent year-over-year. Prior to his time at U.S. Bank, Kelly spent more than two decades building his career at Wells Fargo Financial. During his tenure at Wells Fargo Financial, Kelly increased his role from a regional and national account manager to vice president of technology/communications and finally, senior vice president of sales."

Joe Kinkenon named executive vice president and chief credit officer, NewStar Business Credit, Flower Mound, Texas. Previously he was vice-president, portfolio manager, Regions Financial Corporation (December, 2012-August, 2013). He joined GE Capital, November, 1999, was vice-president of Operations (ABL) and in June, 2008, named director of credit. Previously he was with Bank of America, August, 1989 as senior vice president, credit, July, 1996, senior vice president, Capital Markets, senior vice president, credit manager. Prior he was branch manager national credit branch, Transamerica Commercial Finance Corporation (August, 1985-August, 1989). UNLV, Master of Business Administration (M.B.A.), Finance, General (1981 – 1983), UNLV, Bachelor of Science in Business Administration, Finance (1974 – 1978).

John Lauti named Regional Sales Manager of the healthcare sales team. at Creekridge Capital; "responsible for targeting, implementing and growing healthcare vendor partnerships within the Southwest region...includes Southern California, Nevada, Utah and Arizona. Lauti will work out of Creekridge’s Utah office." Director of Key Accounts, Med One Capital Inc. (April,2009 – November 2013), Marketing Consultant, Dex Media (2006 – 2009), Account Executive - Emerging Markets, Qwest (2004 – 2006), Sales Consultant - Mass Markets, Qwest (2002 – 2004), Sales Consultant, Baer Canyon Development (2001 – 2002), Account Executive / Sales Force Coordinator, Supersilk International (1999 – 2001). Westminster College, Bachelor of Arts, International Business (1997 – 1999), Weber State University, Bachelor of Science (B.S.), Technical Sales (2004 – 2005).

Jennifer Martin promoted to senior product owner, Key Equipment Finance, Albany, New York. She joined the firm in 1995 and rose from originations manager to senior project manager to her current position. She is Communications Chair for the Key4Women Capital Region Steering Committee, Key4Women (February, 2007-Present) and investor/promoter for her husband's company Mad Hatter Productions (June, 2009-Present). Board Member, Duanesburg Area Community Center (2010 – 2010).Languages: Sign Languages. Duanesburg Heat AAU basketball, Founder, Treasurer (March 2012 – Present). Additional Organizations: Twin Rivers Council; Boy Scouts of America Duanesburg Little League. College at St. Rose psychology (2001 – 2003), South Colonie (1987 – 1991).

David Myers named president of Diversified Transportation Finance, Lubbock, Texas (a division of Diversified Lenders, Inc.)." Myers has spent more than twenty years selling and marketing financial services, primarily in the transportation sector. He spent several years with Transportation Alliance Bank and Transfac Capital in Utah; most recently he was vice president of marketing for TAB Bank."

Jennifer Nault was promoted to sales associate mid ticket business at National Leasing, Winnipeg, Canada. He originally joined the company March, 2006 with last position as account manager, small ticket sales. Previously she was administrative assistant at Kortex Computers (1995-2000). Red River College, Business Administration.

Candace Reinhart promoted to IT and Systems Director, Crossroads Equipment Lease and Finance, Rancho Santa Margarita, California. She joined the firm April, 2011 as credit and documentation manager, became business systems manager December, 2012-Present). Previously she was a documentation specialist, Jules & Associates (March, 2010-Aprl, 2011), lease administrator, Strada Capital Corporation (2008-2008), operations manager, Quail Capital (May, 2001-May, 2007). California State University-Fullerton Saddleback College, AA, General Studies & Business Management.

Christopher Riley promoted to Brand Finance Manager at Direct Capital Corporation, Portsmouth, New Hampshire. He joined the company in 2011. Previously he was in sales management, Hertz (January, 2001-Septempter, 2011), operations & Logistics (temporary), Cape Code Regional Transit Authority (August, 2010-January, 2011), sales manager, Penske Truck Leasing (April, 2008-March,2010). University of Hartford, Bachelor's (2002 – 2007). Member: Equipment Leasing & Finance Association (ELFA) National Equipment Finance Association (NEFA)

Greg W named sales manager, LEAF Commercial, California, Orange, California. Previously he was director of sales, Blackstone Equipment Leasing, LLC (December, 2006-November, 2013), leasing coordinator, Mar Vista Financial (June, 2004-December, 2006), Sr. Loan Officer, American Benefit Mortgage (March, 2001-June, 2004). Cypress College

Chet Zeken, CLP, promoted to Director of Sales & Truck/Trailer Finance Specialist, Go Truck Capital, Tustin, California. He joined the firm March, 2013. Previously he was director of sales, Balboa Capital (June, 20012-March, 2013). Director of Sales & Marketing, Lang, Lang, & Co (August, 2011-June, 2012), senior account manager, American Capital Group (February, 2000-April, 2011). He joined Nationwide Funding, LLC February, 2000 and last position was vice-president of sales, August, 2008). Northern Illinois University, Activities and Societies: Sigma Phi Epsilon, University of California, Irvine.


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:

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
-Est. 1982, specializing in the under $75,000
marketplace to smaller, closely-held businesses--


Help Wanted Classified Ads

$595 four HTML lines
(note, a space is counted as a line)
$40 for each additional line or space

The classified ad will appear for 21 days.

The idea is to attract an applicant to learn more, either to click to a full description on your web site or to a full job description attachment (free, no charge).

All "Help Wanted" ads go into the "Help Wanted" classified ad section, which appears in each news edition, and is well read. The ad will also appear on the web site for those who go directly to the web site section.

A "Help Wanted" ad appears at the top of the headlines in each edition in a chronological basis with other help wanted ads. The position cannot be purchased. The ad also continues to appear in the classified ad section in the news edition as well as the web site in addition to appearing above the headlines. If there is only one help wanted ad, a display ad may be utilized in the rotation basis as this position, meaning the one help wanted ad is not going to be on top in every edition.

Contact for more
information or to help word a classified ad.

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


Why I Became a CLP

John Snyder, CLP, Senior Account Manager
Alliance Funding Group

I had the opportunity to participate in the two day training and testing this past August.

After a 15 year plus career in equipment financing it was obvious to me there was something with the industry and I that connected. To me, becoming a Certified Leasing Professional was more than an individual accomplishment. I felt it also helped contribute to the overall management’s view to be a long term fixture in the industry.

I’ve always been from the school that if you are going to do something, you should strive to become expert (to do your best) regardless of your career choice. It was always brought my attention that the CLP designation is our industry’s pinnacle for that. My first experience or knowledge of this was when a co-worker Melissa Fisher earned her CLP. It was something that brought her to a higher credibility level that was recognized outside the company, as it was already recognized within.

I was very fortunate recently when I had mentioned the training/testing being offered through another former peer, David Normandin, now Banc of California. After speaking with the senior management team at Alliance Funding Group, they were in 100% support and assisted tremendously in putting my goal over the fence.

Many may agonize thinking about sitting in room for two days of additional training and review, but in perspective, it was actually a good experience and a chance to meet people in other areas of leasing. Overall, a great experience---and best of all--- I passed!

I am proud of being in the leasing industry for this long and enjoying success along the way. The CLP besides my name shows that I am serious about my professional.

Why I Became a CLP series:

Working Capital Loans $10,000-$250,000


Bob Jacobson as Kris Kringle
14 Shows from Nov 22--Dec 14

Long Time Leasing Veteran Bob Jacobson
plays Kris Kringle in

Bob says his beard has actually grown another couple of inches since these pictures were taken.

"If you’d like to come, you can sign up and pay on the web site, and you can have a discount because you were invited by me. All you have to do is enter the word “cast” in the discount box. Then, when you pick up your tickets at will call, you tell them I’m the cast member."

South Valley Civic Theater
17090 Monterey Rd Morgan Hill
Morgan Hill, CA 95037
(408) 842-7469

Show Dates and information available here:




To Get Even, Securities Lawyer and Wife Plant Drugs
in School Volunteer’s Car, But Face Trial Instead

By Tom McCurnin
Leasing News Legal News Editor

Jill Easter aka Eva Bjork

Senior Partner and Head of Straddling Yoca’s Securities Litigation Section Gets Sideways with School Volunteer and Takes Matters Into His Own Hands by Planting Drugs In Volunteer’s Car, Then Calling Police. He Is Now On Trial Instead of being In Trial

State of California v Easter 12ZF0153 (Orange County Superior Court, 2013).

This story isn’t remotely about leasing, but it is such a compelling story, that I had to write about it.

Kent Easter is a partner at the Orange County law firm of Straddling Yoca who headed up the firm’s securities litigation practice. His wife is also a lawyer. They apparently are “helicopter parents” who control everything in the son’s life. When their son’s exit from school was delayed slightly by a school volunteer, they sued the volunteer for false imprisonment and wrote letters demanding that she be fired. When the volunteer stated that the son was a “slow learner,” they became so irate that the two hatched a plan to get her fired and jailed.

On February 16, 2011, Kent Easter took a large bag of drugs into the parking lot of the school and planted the drugs in the back seat. At 1:15 pm that same day, he walked out of his high rise office, to the hotel across the street and using a pay phone, a phony Indian accent and a phony Asian name, phoned in a tip that the school volunteer was seen using drugs and driving erratically on school property.

The police descended on the school and arrested the volunteer. She maintained her innocence and surprisingly, none of the drugs or bags had her fingerprints on them. Curious, the police traced the phone call, and got the video tapes of Easter phoning in the tip, and he was quickly identified. DNA tests of the drugs reflected his DNA on the pills, his wife Jill Easter’s DNA on a marijuana pipe, and both of their fingerprints on the bag. The couple’s cell phones were investigated reflecting text messages between the two about the crime.

Kent and Jill Easter were charged with false imprisonment (a felony). Jill wisely copped a plea bargain and will serve 120 days in County Jail later this year. Kent Easter is currently on trial. He admits buying the drugs, planting the drugs, and making the phony tip. His only defense is that while he was a top notch aggressive litigator, he also was a brow-beaten- mealy- mouth sniveling worm that was pushed around by his wife, who ordered the whole thing.

Maybe that’s not too far away from the truth, as Jill Easter, under the non de plume, Eva Bjork, is an aspiring writer having written a novel about a pair committing the perfect crime. Perhaps the pair didn’t do enough research to comprehend the perfect crime might involve latex gloves and radio silence. I think her next book should be a gritty women’s prison novel.

The bottom line is that if you have tendencies to be a helicopter parent, use latex gloves, don’t use phones in hotels, wear a disguise, don’t use cell phones, and don’ plant your own drugs with your DNA on them.

LA Times Article,0,7368512.story#axzz2k62KsGuW

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
Visit our web site at

Previous Tom McCurnin Articles:


Bank Branch networks continue to shrink
By Kevin Dobbs and Tahir Ali, SNL Financial

A SNL Exclusive Report

U.S. banks continued to shutter more branches than they opened in the third quarter, extending a multi-quarter trend, as customers do more routine banking business online and mobile, reducing the relevance of traditional branches.

Mergers and acquisitions, too, are playing a role, bankers and analysts have told SNL, as banks consolidate branches to save costs after closing deals.

On a net-net basis, banks collectively reduced the nation's branch total by 390 locations during the third quarter, an SNL analysis found. That was roughly on par with the second quarter and marked a greater level of net closures than in the two previous quarters, when branch counts also declined.

The greatest levels of reductions in the third quarter were in Florida, Pennsylvania and Indiana.

Bank customers increasingly prefer online and mobile banking, observers say, as advancing technology enables them to make remote deposits, shop for loans and manage accounts more efficiently from their desktops or smartphones. This has resulted in steadily less foot traffic in many branches, providing banks reason to close them.

"There's almost nobody in the branches," Jim Adkins, founder and managing member of bank consultancy Artisan Advisors said in a recent interview. "You could shoot water balloons all over the place and not hit anybody."

What's more, in an era of sluggish revenue growth and heavy compliance costs, most bankers are pursuing every avenue they can to curb costs. Closing underperforming branches is one way to quickly achieve this, Adkins said. He added that, as younger generations become regular bank customers, the branch reduction trend may accelerate, as people who grow up with modern technology are more apt to bank online than venture into physical branches.

M&A has driven, and could further drive, the branch consolidation trend. Many analysts anticipate that more small banks, in particular, will sell in coming quarters. Such banks are grappling with heavy regulatory burdens and fierce competition from larger lenders. "I think more already are looking to sell," Sara Hasan, an analyst at McAdams Wright Ragen Inc., told SNL. "And buyers can benefit from the synergy savings you can get with M&A."

SunTrust Banks Inc. and Bank of America Corp. led all others in terms of net closings in the third quarter.

By metro area, Greater Indianapolis experienced the biggest reduction in branches during the third quarter, followed by the Chicago area and Greater Denver, the SNL analysis found.

To be sure, branches are not headed for immediate extinction. They still serve as the public face of banks and provide an important marketing function in high-traffic neighborhoods. And, while increasingly more routine business is done online, bank customers often still want to sit down with loan officers or other bank employees when hashing out the details of major loans or other complex arrangements, bankers say.

"We'll still need a place for people to congregate on certain things," Frank Sorrentino III, chairman and CEO of ConnectOne Bancorp Inc., told SNL while at the recent American Bankers Association annual convention, where the future of branches was a hot topic.

"You'll have times where you need to consult lawyers, and times when you'll need to speak in person with a customer," Sorrentino added. "People need to pitch a new business idea to a banker in person; there is just something about doing that kind of thing in person that will never change."

As such, while banks are closing more branches than they are opening, some are still opening new locations.

JPMorgan Chase & Co. and ST Financial Group Inc. topped the list of those banks that opened more branches than they closed in the third quarter.

In total, there were 179 branches opened in the third quarter, but that was far below the level of openings in each of the three previous quarters. And the third-quarter openings level fell far shy of the 569 closings in the period.

As Sorrentino put it, while branches "are not going away altogether," the U.S. will continue to "see less of them."




Lessons about Banking and America from Three Conferences
by Charles Wendel
Financial Institutions Consulting

(Reprinted with Permission)

The fall conference schedule has just ended for me. This year I spoke to three financial services groups with distinctly different audiences and, to some degree, interests. Both some of the differences and the commonalities are worth noting.

My conference circuit began in Orlando with the Equipment Finance and Leasing Association national conference. FIC just wrote a report for this group's Foundation titled "Rise of Banks in Equipment Finance," and I was moderating a panel with two bank group leaders, Walter Rabin of Signature Bank and Paul Menzel of Umpqua. Over the past 12-24 months, many senior bank managers seem to have finally realized the value, both economic and cultural, that equipment finance groups bring to a bank. Acquisition activity is high while other entrants are jumping into the business by hiring experienced executives who develop opportunity from the ground up. Equipment finance people tend to be strong salesmen in part because they rely upon commissions rather than salaries for what they earn. (They "eat what they kill.") They also operate with a more specialized focus than many commercial bankers, distinguishing themselves by their industry knowledge, product specialization, or some other characteristic.

Appropriately, at this meeting, bank lessors seemed to be feeling good about themselves. Their ability to generate high NIM while suffering minimal losses appears to be resonating with senior management. Further, more managers are putting in the compensation and related structure to encourage cross selling, an elusive goal for decades.

The American Banker Small Business Conference could not have been held in a more fun environment, namely New Orleans. The meeting even featured a rousing (what else could it be) jazz bank entering the hall playing "When the Saints Come Marching In." The conference itself highlighted some important areas including sales leadership, the use of big data, and increasing non-bank activities in this space. I spoke on a panel (with Bill Samuelson of People's United and Marty Roussel of Raiffeisen Bank of Austria) discussing how to set, monitor, and enforce metrics. Interestingly, I know banks that operate with five metrics and others with 20, different philosophies that can both work. One key to effective use of metrics is operating with a feedback mechanism and ensuring that consequences/rewards are tied to them.

While, no matter what, New Orleans is a joyous place, the atmosphere at the conference suggested the frustration of some of the attendees. After decades of effort, the leaders of only a few banks really "get" small business, meaning few banks are truly committed to it and understand its long-term value to their institution. Yes, they say the right things, but top management's actions betray them. Too often, the heads of business groups operate with a two-steps forward, one-step back reality. Small business execs should operate with the same high level of energy and enthusiasm that the leasing execs now have; however, these bankers seem to spend too much time looking over their shoulders. Of course, this has opened up a huge opportunity for those few banks that do "get it" as well as for an increasing number of non-bank players.

The final conference I spoke at was the BAI Retail Delivery Conference in Denver. Tom Doherty of The Private Bank joined me on a panel to discuss growing commercial loans. In many cases smaller banks continue to operate in a manner that gives local lenders too much autonomy. Many smaller banks avoid implementing a consistent approach to the market, instead allowing bankers to define their own jobs and spend too much time on non-sales activities. Senior management has to make some tough decisions in order to achieve productivity gains, and often they decide to punt.

One theme that carries over across all three conferences centers on technology and how bankers can make technology decisions. During the first conference I was struck by how many quality vendor options existed for banks to consider. By the time of the third conference at which 100+ vendors showed their wares, my confusion had grown. Every company has a Big Data or technology based product, including FIC. From what I can tell most of the products offered have substantial value, but bankers operate with limited dollars and limited mindset. Both the vendors and the bankers have a big issue here: every vendor (FIC included) has to target and differentiate its offer and quantitatively demonstrate its value; bankers have to develop a screening process that allows them to eliminate those offers which are lower priority and partner up with the handful of players they need now, knowing that their future needs may change.

Now, what's do these conferences have do with America? Leaving the last conference in Denver to head to yet another airport, I got into a conversation with Yubo, my taxi driver and an Ethiopian refugee who had first lived in Columbus, Ohio and moved to Denver, which he prefers. Much of his family had been killed in Ethiopia, and he arrived in the U.S. 15 years ago, becoming a citizen five years ago. He spoke of going back to Ethiopia to visit his family six months ago. Friend and family thought he was wealthy and now with the CIA. Many expressed great anger about the U.S. and its foreign activities. Yubo defended the U.S. and told them that if the U.S. ever fought the Ethiopians he would be on the U.S. side. He had become an American and saw himself as one. When we get frustrated about the hassles of banking, we need to come back to some of the essentials of life like the freedom that Yubo treasures and that we need to make sure remains.

Financial Institutions Consulting
227 East 58th St, 5th Floor
New York, NY 10022
Phone: 917-744-6600



Research on Financial Leasing Industry in China
2013-2017 by Amy Cole

The rapid development of China's financial leasing industry in 2012 was remarkable. In 2012, the business turnover of China's financial leasing was CNY 1.55 trillion, increasing by approximately CNY 620 billion compared with CNY 930 billion in the end of 2011, the growth rate was 66.7%.

As of the end of 2012, the number of the domestic financial leasing companies was almost 560, increasing by almost 300 over 2011; the number of foreign-funded leasing companies was 460, increasing by 250 compared with 2011; the growth rate was more than 100%.

Huidian Research holds the view that China's financial leasing market penetration rate is only about 5%, while this number in European and American market is about 20%. In terms of the international horizontal comparison and the economic growth of China, as world's second largest economy, China's financial leasing industry has huge space for development. It is expected that the scale of the overall leasing industry in China will exceed CNY 10 trillion in 2020; the CAGR will be about 30%; leasing penetration rate will surpass 10%. Financial leasing industry in Beijing, Shanghai, Tianjin, Shenzhen, Hangzhou, Xiamen, like that in developed countries, has become an important complement to bank credit and securities financing. In these cities, a scientific and stable funding system will begin to form.

At the end of 2012, the registered capital of financial leasing companies was CNY 189 billion, up 36.2% YoY; industry capital adequacy ratio was 12.2%, including CNY 62.2 billion of financial leasing registered capital; registered capital increased by 17.8%. At the same period, the registered capital of foreign capital lease was CNY 90.4 billion, up 76.9% YoY.

In terms of competitive landscape, at the end of 2012, the business turnover of lease contract of 20 financial leasing companies was CNY 660 billion, accounting for more than 40% of the total business turnover of financial leasing industry. The industry concentration ratio is high. In 2012, the listed companies successively set foot in financial leasing industry, which may intensify market competition. Since Dec of 2012, Kinwa, Anyang Iron and Steel, Xinzhu Corporation, Jinggong Science & Technology, Furuitezhuang, Chihong Zn & Ge and some other listed companies have announced to carry out finance least business.

For more information please click

Amy Cole
Senior Manager
Research and Markets Ltd



Table Tracker For Fast-Casual Restaurants

Table Tracker is an advanced table location technology that is designed to speed up food delivery in fast-casual restaurants and elevate the guest experience. Food runners simply check a prominently displayed Table Tracker computer screen, immediately locate the order and the corresponding table on the provided map, and deliver food quickly. Diners get their fresh, hot food faster; and, food runners no longer have to wander around the restaurant looking for table tent numbers.

The system includes a touch-screen PC monitor, receiver, Table Tracker devices, Starter/Clearing Units, a To-Go Unit and a map of the restaurant to help food runners find tables.

The Table Tracker device, is smaller than a CD and less than a half-inch thick. Once placed on the table, the device detects the table number and then sends information to the kitchen display. There's nothing on the table taking up premium table space. Table Tracker ensures tables are turned faster and orders are delivered promptly with as few food runners as possible.

More Information:



Fernando's View
By Fernando F. Croc

Two of the year's most critically acclaimed films ("12 Years a Slave" and "Blue Is the Warmest Color") come to theaters, while DVD viewers have their pick of Pixar animation ("Monsters University"), poetic horror ("Byzantium"), and deadpan comedy ("Computer Chess").

In Theaters:

12 Years a Slave (Fox Searchlight Pictures): Director Steve McQueen and actor Chitewel Ejiofor are gathering early Oscar buzz for this harrowing story of slavery in 19th-century America, adapted from Solomon Northup's acclaimed 1953 biography. Ejiofor stars as Solomon, a free New York man who is tricked and sold as a slave in the Antebellum South. Working from one farm to another, he experiences a vast array of cruel behavior while always hoping to escape and get back to his family. Along the way he works for men both humane (Benedict Cumberbatch) and vicious (Michael Fassbender), meeting servants who have either adapted for survival (Alfre Woodard) or been punished terribly for their rebellion (Lupita Nyong'o). Paul Dano, Paul Giamatti and Brad Pitt also tar in this sometimes hard to watch but important picture, which sheds brutal light on a shameful part of history.

Blue Is the Warmest Color (Sundance Selects): The Palme d'Or winner at this year's Cannes Film Festival, this affecting, beautifully textured tale of young romance is one of the year's most hotly debated releases. Basically a duet between two characters, the plot chronicles the passionate, often tumultuous relationship between teenage Adele (Adele Exarchopoulos) and bohemian artist Emma (Léa Seydoux) in France. Following a chance meeting, the reserved Adele tracks down the eccentric, blue-haired Emma, and an infatuation grows into an electric courtship that shakes her ideals down to their very foundations. Featuring a wealth of subtle, candid details as well as wondrously fresh performances from the two young actresses, director Abdellatif Kechiche's intimate drama is a simple yet fearless portrayal of dizzying love. With subtitles.

Netflix Tip: An icon of new-wave cool, Velvet Underground founder Lou Reed (1942-2013) was a musical legend who also left his mark on films. So check out Netflix for some movies graced by Reed's unique soundtracks, from "Underground U.S.A." (1980) and "Permanent Record" (1988) to "The Doors" (1990) and "Lost Highway" (1997).


Monsters University (Walt Disney): The characters from Pixar’s 2001 hit "Monsters Inc." return in this very enjoyable prequel, directed by Dan Scanlon. Taking place in the earlier film’s same alternative reality of animated beasties, the plot rewinds several years to reveal the origins of the friendship between one-eyed Mike (voiced by Billy Crystal) and furry behemoth Sullivan (John Goodman). Back in their younger days, Mike is a bookish freshman and Sullivan is a sluggish jock making their way through classes in order to find jobs scaring children in dreams. Though their differences hardly make them friends at first sight, the twosome soon realize they have to help each other to sidestep the school’s stuffy dean (Helen Mirren). Stuffed with clever gags and lovable characters, this is another Pixar homerun for all audiences.

Byzantium (MPI): After the vapid teenage moping of the "Twilight" series, the vampire genre gets a welcome transfusion of new blood in this moody blend of horror and drama. The story centers on Clara (Gemma Arterton) and Eleanor (Saoirse Ronan), a couple of beautiful young women who move to a lonely town off the coast of Ireland as mother and daughter. As they find refuge in an abandoned place known as Byzantium run by Noel (Daniel Mays), they gradually reveal their secret: they are in reality centuries-old vampires who need human blood to survive, a need that becomes something of a problem as they begin falling in love with local men. No stranger to dark fairytales, director Neil Jordan ("The Crying Game," "Interview with the Vampire") crafts an evocative tale of danger, desire and longing that favors poetry over gore.

Computer Chess (Kino): One of the leading lights of the independent film movement known as “mumblecore,” writer-director Andrew Bujalski comes up with his most ambitious movie yet with this inventively deadpan comedy. Set in the early 1980s during a weekend-long technology convention, where a group of computer experts gather to compete for the title of electronic chess champ. Among them is Peter (Patrick Riester), a young programmer who becomes obsessed with the concept of machines developing their own minds, and Michael (Myles Paige), a foul-humored fellow who can’t seem to find a room in the crowded hotel. The “mumblecore” emphasis on low-wattage talk and awkward characters is still here, though Bujalski has added new layers of visual experimentation and surreal humor. The result is one of the year’s most intriguing releases.


Bull Dog/English Pointer Mix
Berkeley, California Adopt-a-Dog


Approx. age: 6 months
Sex: Female, Spayed upon adoption
Breed: Bull Dog/English Pointer Mix
Weight: 38 lbs.
Special needs: Dove is deaf

“Dove has her own Facebook page now! Check it out and get the latest updates:

“Dove is a very sweet, (CUTE!) and active puppy who was rescued through Home at Last Animal Rescue from the Berkeley Animal Shelter. She is currently living with her foster mom, Randi, and foster family. Dove is doing wonderfully! Dove is deaf and her foster family is active in teaching Dove the hand signs for deaf dogs. We have included two videos of Dove just to demonstrate how well Dove is doing.

“Home at Last is looking for a permanent family for Dove, one what would be able to work with Dove and her special need of being deaf. There are several steps to training a deaf dog and Home at Last would be able to offer training sessions in this regard.

“Dove does great with everyone she meets: big, small, young, old, dark, light, male, female. Dove also does great with every dog she meets (she has met about 20 new dogs on her outings. She can come on a bit strong with little dogs like Chihuahuas.) So far, Dove’s reaction to cats is neutral, although her exposure to cats has been limited.

“Dove has been given a clean bill of health from her vet but is still dealing with some residual mange. (Her last skin scraping was negative for mites).

“Dove’s housetraining is in progress. Her vaccinations are complete and she's gaining weight like a champ. Dove is also microchipped and will be spayed upon adoption. She is an amazing, sweet, fun and wonderful dog. Come meet Dove

Watch a video of Dove playing ball!


Dove Plays with her foster sister Friday



Home at Last Animal Rescue
P.O. Box 2261
Berkeley, CA 94702-0261
Phone: 510-981-0890

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News Briefs----

ELFA Business Council Steering Committee Election Results

Square Two Financial Noted Innovator User of Technology
--- President & CEO Paul A. Larkins!

LeasePlan Expands Into Canada

Yellen Says Economy Performing ‘Far Short’ of Potential

Aircraft Lessor Impairments Point to Residual Value Risk

Advance Training Offered: Madison Street Capital India
and Lal Bahadur Shastri Institute

Air Lease Corporation Announces Pricing of Public Offering of $700.0
Million of 3.375% Unsecured Senior Notes due 2019




--You May Have Missed It

Could water bottles be the next plastic bags?



SparkPeople--Live Healthier and Longer

Portable Snacking Tips and Ideas
Remember the 'Healthy' with the 'To-Go'


Football Poem

(Dedicated to the Philadelphia Eagles

Time keeps on slippin' 
Into the future...

Time keeps on slippin', slippin', slippin' 
Into the future.........oohhh

Said I wanna fly like an eagle... to the sea 
Fly like an eagle let my spirit carry me, I wanna... 
Fly right into the future.... 
I wanna feed the babies... said, who can't get enough to eat 
Wanna shoe the children... no shoes on their feet 
I wanna house the people... livin' in the street 
Oh yeah there's a solution 
...gimme the reasons baby

Let me fly like and eagle... to the sea 
Fly like an eagle let that spirit carry me, I wanna 
fly....... ... oh yeah 
Fly right into the future

Time keeps on slippin', slippin', slippin' 
Into the future... 
Time flies don't it baby? 
... oohh 
Time keeps on slippin', slippin', slippin' 
... doo...doo...du-doooo 
Into the future... ...Ohhh. 
... doo...doo...du-doooo 
Time flies don't it baby?

---Fly Like An Eagle 
(Steve Miller)




Sports Briefs----

Colin Kaepernick dismisses Trent Dilfer's criticism

Worth the risk? Why the Seahawks let some players gamble

Broncos' line determined to keep Peyton Manning upright

Chiefs claim receiver Kyle Williams off waivers

Broncos backup QB Brock Osweiler ready if Peyton Manning can't play


California Nuts Briefs---

San Jose Mayor Chuck Reed tweaks public pension ballot proposal

Foreclosure sales in Sonoma drop to lowest level in 5 years


“Gimme that Wine”

Napa’s Duckhorn coming to Washington’s Red Mountain

Lawmakers Consider Allowing Wine Shipments In Mass.

Wine Spectator's Top 100 Toasts 25th Anniversary

Make It Whiskey in a Barrel, Neat

Free Mobile Wine Program

Wine Prices by vintage

US/International Wine Events

Winery Atlas\

Leasing News Wine & Spirits Page


This Day in History

      1732-The Library Company of Philadelphia signed a contract with its first librarian. Founded by Benjamin Franklin and friends in November 1731, the library enrolled members for a fee of 40 shillings but had to wait for its books to arrive from England before beginning full operation.
    1784-Samuel Seabury, 55, was consecrated Bishop of Connecticut and Rhode Island, the first bishop of the American Protestant Episcopal Church, and the first Anglican bishop in America.
    1803 -- American author Jacob Abbott born Hallowell, Maine.Abbott wrote the first fictional series for children, introducing many of the key types and techniques of series books, popularizing the genre virtually single-handedly, and wrote some of the earliest American juveniles deserving of the term "children's literature"
    1832 - The first horse car (a streetcar drawn by horses) was displayed in New York City. The vehicle had room for 30 people in three compartments. The new service traveled Fourth Avenue between Prince and Fourteenth Streets. 
    1851 - “Call me Ishmael. Some years ago -- never mind how long precisely -- having little or no money in my purse, and nothing particular to interest me on shore, I thought I would sail about a little and see the watery part of the world...” Thus begins Herman Melville’s book "Moby-Dick; or, The Whale", which was first published in New York City by Harper & Brothers on this day. The complex, but rousing sea story tells the tale of a sea captain’s search for Moby Dick, the great white whale that had once crippled him. The story is told by sailor-narrator Ishmael. Through the pages of "Moby Dick", we meet Ishmael’s bunkmate Queequeg, a whale harpooner from Polynesia; learn everything there is to know about whaling in the nineteenth century; and, of course, about Captain Ahab and his obsession with Moby Dick.  In 1846, he published his first novel, Typee, based on his Polynesian adventures. His second book, Omoo (1847), also dealt with the South Seas. The two novels became popular, although his third, Mardi (1849), more experimental in nature, failed to catch on with the public. Melville bought a farm near Nathaniel Hawthorne's house in Massachusetts, and the two became close friends, although they later drifted apart. Melville wrote for journals and continued to publish novels. Moby Dick was coolly received, but his short stories were highly acclaimed. Putnam's Monthly published "Bartleby the Scrivener" in 1853 and "Benito Cereno" in 1855. In 1866, Melville won appointment as a customs inspector in New York, which brought him a stable income. He published several volumes of poetry. He continued to write until his death in 1891, and his last novel, Billy Budd, was not published until 1924. 
    1882-Gunslinger Franklin "Buckskin" Leslie shoots the Billy "The Kid" Claiborne dead in the streets of Tombstone, Arizona. (The name of one of Aaron Copland’s work, who’s birthday is today-1900)The town of Tombstone is best known today as the site of the infamous shootout at the O.K. Corral. In the 1880s, however, Tombstone was home to many gunmen who never achieved the enduring fame of Wyatt Earp or Doc Holliday. Franklin "Buckskin" Leslie was one of the most notorious of these largely forgotten outlaws. There are few surviving details about Leslie's early life. The first historical evidence of Leslie's life emerges in 1877, when he became a scout in Arizona. A few years later, Leslie was attracted to the moneymaking opportunities of the booming mining town of Tombstone, where he opened the Cosmopolitan Hotel in 1880. That same year he killed a man named Mike Killeen during a quarrel over Killeen's wife, and he married the woman shortly thereafter. Leslie's reputation as a cold-blooded killer brought him trouble after his drinking companion and fellow gunman John Ringo was found dead in July 1882. Some Tombstone citizens, including a young friend of Ringo's named Billy "The Kid" Claiborne, were convinced that Leslie had murdered Ringo, though they could not prove it. Probably seeking vengeance and the notoriety that would come from shooting a famous gunslinger, Claiborne unwisely decided to publicly challenge Leslie, who shot him dead. The remainder of Leslie's life was equally violent and senseless. After divorcing Killeen in 1887, he took up with a Tombstone prostitute, whom he murdered several years later during a drunken rage. Even by the loose standards of frontier law in Tombstone, the murder of an unarmed woman was unacceptable, and Leslie served nearly 10 years in prison before he was paroled in 1896. After his release, he married again and worked a variety of odd jobs around the West. He reportedly made a small fortune in the gold fields of the Klondike region before he disappeared forever from the historical record.
    1861 -- Historian Frederick Jackson Turner
(The Frontier in American History) born Portage, Wisconsin.
    1900- birthday of American composer Aaron Copland , born at Brooklyn, NY. Incorporating American folk music and, later, the 12-tone system, he strove to create an American music style that was both popular and artistic. He composed ballets, film scores and orchestral works including Fanfare for the Common Man (1942), Appalachian Spring (1944) (for which he won the Pulitzer Prize) and the score for The Heiress (1948) (for which he won an Oscar) and “Billy the Kid.”
He died Dec 2, 1990, at North Tarrytown, NY.
    1900-Ban Johnson, president of the minor Western League, announced his intention to upgrade its status to a major league and to change its name to the American League.
    1903- The first football game was played in the first football stadium, Harvard Stadium, Cambridge, MA. It was specifically build for football, made of concrete and the largest steel re-enforced concrete structure in the world at the time of construction. The stadium had a seating capacity of 40,000.
    1904 - Art Hodes Birthday
    1906 -- Actress Louise Brooks born Cherryvale, Kansas. She is the fourth most written about actress (in terms of major magazine articles) after Clara Bow, Joan Crawford and Colleen Moore.
    1917- Storyville, also known as the District, New Orleans’s red-light district, a series of honky-tonks and sporting house, was shut down by the U.S. Navy The closing tended to drive jazz musicians out of New Orleans, up the river, including the Original Dixieland Jass Band that opened at Reisenweber’s Restaurant in New York City. In this year, the group made the first jazz recording, including “ Tiger Rag,” “Barnyard Blues, “ Clarinet Marmalade, “: At the Jazz Band Ball, and “Reisenweber Rag.”
    1919-Birthday of Constance Frances Marie Ockleman, later known as Veronica Lake, born in Brooklyn, N.Y. Lake began appearing in films under the name Constance Keane in 1939; in 1941, she changed her name and was soon a major Hollywood draw, frequently starring opposite Alan Ladd in films like This Gun for Hire (1942), The Glass Key (1942), and The Blue Dahlia (1946). Her career took a nosedive in the late 1940s and early 1950s. She and her husband, director Andre de Toth, filed for bankruptcy. Lake stopped acting and allegedly drank heavily. In the 1960s, a reporter discovered her working at a hotel bar in New York. She later began acting again in small roles and published an autobiography in 1969. She died of hepatitis in 1973. 
    1934-Birthday of pianist Ellis Marsalis, New Orleans, LA
    1934-Under the direction of Leopold Stokowski, who was conducting the Philadelphia Orchestra at the Academy of Music, Philadelphia, PA, the symphony No. 1, known as the Negro Folk Symphony, composed by the African-American conductor William Levi Dawson was presented.
    1935 - President Roosevelt proclaimed the Philippine Islands a free commonwealth. Manuel Luis Quezon was sworn in as the first Filipino president, as the Commonwealth of Philippines was inaugurated.
    1942 - Off the coast of Guadalcanal, Admiral Tanaka turns south with his destroyers and transports and comes under heavy air attack from both Henderson Field and planes from the USS Enterprise. Seven of the transports and two warships are lost. He continues his advance throughout the night and manages to sail his remaining transports to Tassafaronga. However, more of the Japanese troops are killed by air attack while disembarking. Meanwhile, the second battle of Guadalcanal gets underway shortly before midnight. The Japanese covering force supporting the convoy, led by Admiral Kondo ( with the battleship Kirishima, four cruisers and nine destroyers), encounters US Task Force 64, under the command of Admiral Lee ( with the battleships Washington and South Dakota and four destroyers). The battle begins with damage to the South Dakota. It is forced from the battle. A seven minute burst of fire from the USS Washington sinks the Kirishima. Control of the seas around Guadalcanal is passing to the Americans. Supply problems are mounting for the Japanese, who will now be forced to make considerable use of submarines to transport supplies. Already many of the Japanese troops are ill and hungry.
    1942---BAUER, HAROLD WILLIAM Medal of Honor
Rank and organization: Lieutenant Colonel, U.S. Marine Corps. Born: 20 November 1908. Woodruff, Kans. Appointed from: Nebraska. Citation: For extraordinary heroism and conspicuous courage as Squadron Commander of Marine Fighting Squadron 212 in the South Pacific Area during the period 10 May to 14 November 1942. Volunteering to pilot a fighter plane in defense of our positions on Guadalcanal, Lt. Col. Bauer participated in 2 air battles against enemy bombers and fighters outnumbering our force more than 2 to 1, boldly engaged the enemy and destroyed 1 Japanese bomber in the engagement of 28 September and shot down 4 enemy fighter planes in flames on 3 October, leaving a fifth smoking badly. After successfully leading 26 planes on an over-water ferry flight of more than 600 miles on 16 October, Lt. Col. Bauer, while circling to land, sighted a squadron of enemy planes attacking the U.S.S. McFarland. Undaunted by the formidable opposition and with valor above and beyond the call of duty, he engaged the entire squadron and, although alone and his fuel supply nearly exhausted, fought his plane so brilliantly that 4 of the Japanese planes were destroyed before he was forced down by lack of fuel. His intrepid fighting spirit and distinctive ability as a leader and an airman, exemplified in his splendid record of combat achievement, were vital factors in the successful operations in the South Pacific Area.
    1943 -- During World War II, President Franklin D. Roosevelt, Secretary of State Cordell Hull, and all of America's top military brass, narrowly escape disaster aboard the U.S. battleship Iowa, when a live torpedo is accidentally fired at them from a U.S. destroyer. To demonstrate to the president the defensive abilities of the Iowa, the battleship launches a series of weather balloons to use as anti-aircraft targets. Men on the nearby destroyer William D. Porter, under Captain Jesse Walker, are ordered to battle stations and begin shooting down the balloons that the Iowa had missed. Better yet, a simulated torpedo firing was ordered, and the torpedo room obliged. Unfortunately, torpedoer Lawton Dawson neglected to disarm torpedo tube #3, and an armed torpedo was fired at the Iowa. The Iowa rapidly began evasive maneuvers, as all guns were turned on the Porter. Word of the firing reached Roosevelt, who asked that his wheelchair be moved to the ship's railing so that he could watch the torpedo's approach. It exploded behind the ship's massive wake. The Porter is ordered to return to Bermuda, and Captain Walker and the entire crew are arrested by a force of Marines upon docking. President Roosevelt intervened and the ship was kidded throughout the fleet with signs saying, “Don’t Shoot, We’re Republicans.” On 10 June 1945, the Porter's hard luck finally ran out. She was sunk by a plane which had (unintentionally) attacked underwater. A Japanese bomber almost made entirely of wood and canvas slipped through the Navy's defense. Having little in the way of metal surfaces, the plane didn't register on radar. A fully loaded kamikaze, it was headed for a ship near the Porter, but just at the last moment veered away and crashed along side the unlucky destroyer. There was a sigh of relief as the plane sunk out of sight, but then it blew up underneath the Porter, opening her hull in the worst possible location. Three hours later, after the last man was off board, the Captain jumped to the safety of a rescue vessel and the ship that almost changed world history slipped astern into 2400 feet of water. Not a single soul was lost in the sinking. After everything else that happened, it was almost as if the ship decided to let her crew off at the end.
    1943-Sid Luckman of the Chicago Bears became the first professional quarterback to pass for more than 400 yards in a single game, throwing for 433 yards and seven touchdowns as the Bears walloped the New York Giants, 56-7.
    1944 - An outstanding array of musicians gathered in Hollywood to record a classic. Tommy Dorsey and orchestra made "Opus No. 1", Victor record number 20-1608. Buddy Rich was the drummer in the session, Buddy DeFranco on sac and clarinet, and Nelson Riddle played trombone on the Sy Oliver arrangement. 
    1944-Birthday of pianist George Cables, Brooklyn, NY.
    1945---Top Hits
It’s Been a Long, Long Time - The Harry James Orchestra (vocal: Kitty Kallen)
Till the End of Time - Perry Como
I’ll Buy that Dream - The Pied Pipers
With Tears in My Eyes - Wesley Tuttle
    1953---Top Hits
Ebb Tide - The Frank Chacksfield Orchestra
Rags to Riches - Tony Bennett
Many Times - Eddie Fisher
There Stands the Glass - Webb Pierce
    1954-Birthday of Condoleezza Rice, US National Security Adviser to President George Bush, Birmingham, AL.
    1954-Birthday of new age composer Yanni, born Yanni Chrysomalis, Kalamata, 
Greece. He made a big hit of musical cd’s sold via television commercials.
    1957 -- Twenty underworld kingpins stage "Crime Convention" in Appalachia, New York
    1959 - The eruption of Kilauea Iki Crater (Nov 14-Dec 20, 1959) on the Big Island of Hawaii was a relatively brief event, but produced some of Kilauea’s most spectacular lava fountains of the 20th century. (The current Pu`u `O`o-Kupaianaha eruption of Kilauea began in 1983). 
    1960--- Elvis Presley's latest single, "It's Now or Never," sells 780,000 copies in the UK during its first week of release, making it the fastest-selling song in the country's history.
    1960--- Drummer Cozy Cole of "Topsy" fame is sent by the US State Department on a 20-week goodwill tour of Africa
    1960- Ray Charles' "Georgia on My Mind" hits #1
    1961---Top Hits
Big Bad John - Jimmy Dean
Fool #1 - Brenda Lee
Tower of Strength - Gene McDaniels
Walk on By - Leroy Van Dyke 
    1961 - The Elvis Presley film ``Blue Hawaii'' premieres.
    1961 - President Kennedy increased the number of American advisors in Vietnam from 1,000 to 16,000.
    1964 - Gordie Howe of the Detroit Red Wings set a National Hockey League record as he scored his 627th career goal in a game against Montreal.
    1964 - With the help of a fresh three inch cover of snow, the temperature at Ely, NV, dipped to 15 degrees below zero to establish an all-time record low for the month of November. That record of -15 degrees was later equaled on the 19th of November in 1985. 
    1965--CAPTAIN ED W. FREEMAN Medal of Honor
United States Army; for conspicuous gallantry and intrepidity at the risk of his life above and beyond the call of duty: Captain Ed W. Freeman, United States Army, distinguished himself by numerous acts of conspicuous gallantry and extraordinary intrepidity on 14 November 1965 while serving with Company A, 229th Assault Helicopter Battalion, 1st Cavalry Division (Airmobile). As a flight leader and second in command of a 16-helicopter lift unit, he supported a heavily engaged American infantry battalion at Landing Zone X-Ray in the Ia Drang Valley, Republic of Vietnam. The unit was almost out of ammunition after taking some of the heaviest casualties of the war, fighting off a relentless attack from a highly motivated, heavily armed enemy force. When the infantry commander closed the helicopter landing zone due to intense direct enemy fire, Captain Freeman risked his own life by flying his unarmed helicopter through a gauntlet of enemy fire time after time, delivering critically needed ammunition, water and medical supplies to the besieged battalion. His flights had a direct impact on the battle's outcome by providing the engaged units with timely supplies of ammunition critical to their survival, without which they would almost surely have gone down, with much greater loss of life. After medical evacuation helicopters refused to fly into the area due to intense enemy fire, Captain Freeman flew 14 separate rescue missions, providing life-saving evacuation of an estimated 30 seriously wounded soldiers -- some of whom would not have survived had he not acted. All flights were made into a small emergency landing zone within 100 to 200 meters of the defensive perimeter where heavily committed units were perilously holding off the attacking elements. Captain Freeman's selfless acts of great valor, extraordinary perseverance and intrepidity were far above and beyond the call of duty or mission and set a superb example of leadership and courage for all of his peers. Captain Freeman's extraordinary heroism and devotion to duty are in keeping with the highest traditions of military service and reflect great credit upon himself, his unit and the United States Army.
     1965-MARM, WALTER JOSEPH, JR. Medal of Honor
Rank and organization: First Lieutenant (then 2d Lt.), U.S. Army, Company A, 1st Battalion, 7th Cavalry, 1st Cavalry Division (Airmobile). place and date: Vicinity of la Drang Valley, Republic of Vietnam, 14 November 1965. Entered service at: Pittsburgh, Pa. Born: 20 November 1941, Washington, pa. G.O. No.: 7, 15 February 1967. Citation: For conspicuous gallantry and intrepidity at the risk of life above and beyond the call of duty. As a platoon leader in the 1st Cavalry Division (Airmobile), 1st Lt. Marm demonstrated indomitable courage during a combat operation. His company was moving through the valley to relieve a friendly unit surrounded by an enemy force of estimated regimental size. 1st Lt. Marm led his platoon through withering fire until they were finally forced to take cover. Realizing that his platoon could not hold very long, and seeing four enemy soldiers moving into his position, he moved quickly under heavy fire and annihilated all 4. Then, seeing that his platoon was receiving intense fire from a concealed machine gun, he deliberately exposed himself to draw its fire. Thus locating its position, he attempted to destroy it with an antitank weapon. Although he inflicted casualties, the weapon did not silence the enemy fire. Quickly, disregarding the intense fire directed on him and his platoon, he charged 30 meters across open ground, and hurled grenades into the enemy position, killing some of the 8 insurgents manning it. Although severely wounded, when his grenades were expended, armed with only a rifle, he continued the momentum of his assault on the position and killed the remainder of the enemy. 1st Lt. Marm's selfless actions reduced the fire on his platoon, broke the enemy assault, and rallied his unit to continue toward the accomplishment of this mission. 1st Lt. Marm's gallantry on the battlefield and his extraordinary intrepidity at the risk of his life are in the highest traditions of the U.S. Army and reflect great credit upon himself and the Armed Forces of his country.
    1965 - US government sent 90,000 soldiers to Vietnam.
    1965--CRANDALL, BRUCE P. Medal of Honor
Rank and Organization: Major, U.S. Army, Company A, 229th Assault Helicopter Battalion, 1st Cavalry Division (Airmobile). Place and dates: Ia Drang Valley, Republic of Vietnam, 14 November 1965. Place and date of birth: Olympia, Washington, 1933. Citation: For conspicuous gallantry and intrepidity at the risk of his life above and beyond the call of duty: Major Bruce P. Crandall distinguished himself by extraordinary heroism as a Flight Commander in the Republic of Vietnam, while serving with Company A, 229th Assault Helicopter Battalion, 1st Cavalry Division (Airmobile). On 14 November 1965, his flight of sixteen helicopters was lifting troops for a search and destroy mission from Plei Me, Vietnam, to Landing Zone X-Ray in the Ia Drang Valley. On the fourth troop lift, the airlift began to take enemy fire, and by the time the aircraft had refueled and returned for the next troop lift, the enemy had Landing Zone X-Ray targeted. As Major Crandall and the first eight helicopters landed to discharge troops on his fifth troop lift, his unarmed helicopter came under such intense enemy fire that the ground commander ordered the second flight of eight aircraft to abort their mission. As Major Crandall flew back to Plei Me, his base of operations, he determined that the ground commander of the besieged infantry batallion desperately needed more ammunition. Major Crandall then decided to adjust his base of operations to Artillery Firebase Falcon in order to shorten the flight distance to deliver ammunition and evacuate wounded soldiers. While medical evacuation was not his mission, he immediately sought volunteers and with complete disregard for his own personal safety, led the two aircraft to Landing Zone X-Ray. Despite the fact that the landing zone was still under relentless enemy fire, Major Crandall landed and proceeded to supervise the loading of seriously wounded soldiers aboard his aircraft. Major Crandall's voluntary decision to land under the most extreme fire instilled in the other pilots the will and spirit to continue to land their own aircraft, and in the ground forces the realization that they would be resupplied and that friendly wounded would be promptly evacuated. This greatly enhanced morale and the will to fight at a critical time. After his first medical evacuation, Major Crandall continued to fly into and out of the landing zone throughout the day and into the evening. That day he completed a total of 22 flights, most under intense enemy fire, retiring from the battlefield only after all possible service had been rendered to the Infantry battalion. His actions provided critical resupply of ammunition and evacuation of the wounded. Major Crandall's daring acts of bravery and courage in the face of an overwhelming and determined enemy are in keeping with the highest traditions of the military service and reflect great credit upon himself, his unit, and the United States Army.
    1966 - Boxing’s largest indoor crowd assembled in the Houston Astrodome to see Cassius Clay defeat Cleveland Williams -- by a TKO. 
    1967 - The Monkees received a gold record for "Daydream Believer". 
    1967-Brave and reportedly well-liked Major General Bruno Arthur Hochmuth, commander of the 3rd Marine Division, was killed at Hue, Vietnam, when ground fire downed the helicopter in which he was a passenger. Two American pilots, an American crew chief, and a Vietnamese interpreter were also killed in the crash.
    1969- Apollo 12, a space milestone launched this date. This was the second manned lunar landing—in Ocean of Storms. First pinpoint landing. Astronauts Conrad, Bean and Gordon visited Surveyor 3 and took samples. Earth splashdown November 24.
    1969---Top Hits
Wedding Bell Blues - The 5th Dimension
Come Together - The Beatles
Baby It’s You - Smith
To See My Angel Cry - Conway Twitty
    1970-Birthday of Dana William Stubblefield, San Francisco 49ers, born, Cleves.OH.
    1970--Santana's "Black Magic Woman" is released.
    1972- the Dow-Jones Index of 30 major industrial stocks topped the 1,000 mark for the first time.
    1972 - No. 1 Billboard Pop Hit: ``I Can See Clearly Now,'' Johnny Nash.
    1974 - A storm produced 15 inches of snow at the Buffalo, NY, airport, and 30 inches on the south shore of Lake Erie. 
    1975 - "They Just Can’t Stop It (The Games People Play)" became a gold record for the Spinners. Their other hits include "Then Came You" (with Dionne Warwicke), "Could It Be I’m Falling in Love", "The Rubberband Man", "Working My Way Back to You", "Cupid", "It’s a Shame" and "I’ll Be Around" -- for Motown. 
    1977---Top Hits
You Light Up My Life - Debby Boone
Boogie Nights - Heatwave
It’s Ecstasy When You Lay Down Next to Me - Barry White
More to Me - Charley Pride
    1981 - Paul ‘Bear’ Bryant tied the record of Amos Alonzo Stagg for most football wins. The Alabama Crimson Tide notched win #314 for Coach Bryant. Alabama beat Penn State, 31-16. 
    1981 - For the second week in a row, Daryl Hall and John Oates owned the top spot on the pop music charts with "Private Eyes".
    1982 - No. 1 Billboard Pop Hit: ``Up Where We Belong,'' Joe Cocker & Jennifer Warnes. The single wins an Oscar as the theme of ``An Officer and a Gentleman.'
    1985—Top Hits
Miami Vice Theme - Jan Hammer
Head over Heels - Tears For Fears
You Belong to the City - Glenn Frey
Can’t Keep a Good Man Down – Alabama
    1986 - The U.S. Securities and Exchange Commission announced that Ivan Boesky would have to pay $100 million in fines and alleged profits to settle insider-trading charges against him. The settlement was just $6 million less than the entire S.E.C. budget for 1986. Until 1986, Ivan Boesky was one of wealthiest and most successful figures on Wall Street. But, after November 14, 1986, his name was inextricably linked with the scandal and corruption that engulfed the industry during the 1980s. After prison, Boesky divorced his wife and relocated to La Jolla, California. In contrast to Milken and others involved, Boesky has largely avoided public attention since the scandal, though he has surfaced to testify in still-unresolved legal proceedings. History is full of people who manipulated the system such as Enron, Worldcom, Kozlowski, to just a few recent ones.
    1986 - An early season cold wave set more than 200 records from the northwestern U.S. to the east coast over a seven day period. For some places it proved to be the coldest weather of the winter season.
    1986 - An early season cold wave set more than 200 records from the northwestern U.S. to the east coast over a seven day period. For some places it proved to be the coldest weather of the winter season. 
    1987--- In an initially awkward but eventually moving live event, David Letterman convinces guest Cher to sing "I Got You Babe" just one more time with embittered ex Sonny Bono on his NBC-TV Late Night program. Both Sonny and Cher are left in tears, though no reunion is forthcoming.
    1987-- A major oldies revival crests today, when the soundtrack to the hit Patrick Swayze film Dirty Dancing -- set in 1963 and featuring many hits of the day -- rises to Number One on the Billboard charts.
    1988- "Murphy Brown" premiered on television. The series lasted ten years. The show often blurred the lines between reality and fiction by dealing with topical issues and including real-life journalists as guests stars playing themselves. Former Vice-President Dan Quayle made a major issue about the character Murphy Brown being an un-married mother. Set in Washington, DC, starred Candice Bergen starred in the title role, as an egotistical, seasoned journalist working for the fictitious TV newsmagazine show “FYI.” Also featured were Grant Shaud as the show’s high-strung producer, Miles Silverberg (later replaced by Lily Tomlin), Faith Ford as the former Miss America, Corky Sherwood (and later Miles’ bride), Joe Regalbuto as Murphy’s neurotic friend, reporter Frank Fontana, Charles Kimbrough as “FYI”’s uptight anchorman, Jim Dial and Pat Corley as Phil, owner of the local watering hole. Colleen Dewhurst appeared as Murphy’s mother and Robert Pastorelli appeared as Eldin Bernecky, perfectionist housepainter and aspiring artist (he left the series for his own show). The show often blurred the lines between reality and fiction by dealing with topical issues and by including real-life journalists as guest stars playing themselves. The series ended with the May 31,1998 episode.
    1987 - The "Dirty Dancing" movie soundtrack was the number one album in the U.S. It was number one for a total of eighteen weeks. The remainder of the top-five that week: 2)-"Tunnel of Love" (Bruce Springsteen); 3)-"Bad" (Michael Jackson); 4)-"Whitesnake" (Whitesnake); 5)-"A Momentary Lapse of Reason" (Pink Floyd).
    1988 - A massive storm produced snow and gusty winds in the western U.S., with heavy snow in some of the higher elevations. Winds gusted to 66 mph at Show Low AZ, and Donner Summit, located in the Sierra Nevada Range of California, was buried under 23 inches of snow. Heavy rain soaked parts of California, with 3.19 inches reported at Blue Canyon
    1989 - Unseasonably warm weather prevailed east of the Rockies. Temperatures reached 70 degrees as far north as New England, and readings in the 80s were reported across the southeast quarter of the nation. Nineteen cities reported record high temperatures for the date. For the second time in the month Dallas/Fort Worth TX equalled their record for November with an afternoon high of 89 degrees. The high of 91 degrees at Waco TX was their warmest of record for so late in the season. Heavy snow blanketed parts of Wyoming overnight, with a foot of snow reported at Cody, and ten inches at Yellowstone Park.
    1993- head coach Don Shula of the Miami Dolphins won the 325th game of his career as the Dolphins defeated the Philadelphia Eagles, 19-14. The victory moved Shula past George Halas as the “winningist” coach in NFL history. Shula concluded his coaching career in 1995 with a record of 347 wins, 173 losses and 6 ties.
    1994-Bill Gates paid $30.8 million for a sixteenth-century Leonardo da Vinci manuscript, which depicted the motion of water and the principles of the steam engine. Gates' bid tripled the existing price for similar items. Beating out Italian bidders who had pledged to bring the treasure back to its home in Italy, Gates promised to leave the manuscript on public display at least fifty percent of the time. The manuscript, last sold to the Armand Hammer Museum of Art and Cultural Center, had fetched a mere $5.6 million in 1980.
    2000 --Y2K countdown: 47 days, 2 hours, 43 minutes.
    2001- For the second time in his career, Seattle skipper Lou Piniella is named the American League Manager of the Year. 'Sweet Lou', the only person to appear on every ballot, guided to the Mariners to an historical 116 victories which tied 1906 Cubs as the winningest team in major league history. 
    2002-Nancy Pelosi became the 1st woman to lead a party in the US Congress after Democrats voted 177-29 in support of the liberal from SF.



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