Robert "Rob" Chandler
6/25/1948 - 11/23/2016

"Rob spent his life loving his family and friends. Rob died of a heart attack Wednesday at age 68 at his home in Omaha. Rob was born June 25, 1948 in Omaha, Nebraska. A “Benson Bunny,” Rob played football at the University of Wyoming and earned his undergraduate degree from the University of Nebraska-Omaha. Rob later became the owner of Chandler Leasing, an auto and equipment consulting business that he built with his father, Rex. Rob dedicated his life to his family and friends and could often be heard in the stands or on the sidelines at his children’s athletic activities. His generous spirit, loud voice and sense of humor made him loved by many. Preceded in death by mother, Genevieve, and father, Rex, Rob is survived by his wife, Marlene Chandler; children: Jessica (Sean) McCubbin, Eric (Chaley) Chandler, Ryan (Lacey) Chandler; 4 grandchildren: Deja, Blake, Logan, and Peyton; siblings: Barbara Gutschlag, Judy (Jerry) Polski, Susan “Susie” Hoskevec, and a host of devoted nieces, nephews, cousins and friends.

“Visitation will be held Monday (11/28/2016) from 5 to 7 PM at Presbyterian Church of the Master, 10710 Corby Cir.in Omaha. The funeral will be Tuesday (11/29/2016) at 11 AM, also at the church."
www.RoederMortuary.com

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Position Wanted – Asset Management
Will Work Remotely or Relocate for Right Opportunity

Each Week Leasing News is pleased, as a service to its readership, to offer completely free ads placed by candidates for jobs in the industry.  These ads also can be accessed directly on the website at:
http://www.leasingnews.org/Classified/Jwanted/Jwanted.htm

Each ad is limited to (100) words and ads repeat for up to 6 months unless the candidate tells us to stop. Your submissions should be received here by the end of each week.

Please encourage friends and colleagues to take advantage of this service, including recent graduates and others interested in leasing and related careers. 

Asset Management

5 time Presidents Club Franchise Player with 20+ years in Logistics, Collections, Technology Pricing/Appraisal ( NAPA) Certified, Portfolio Appraisal Inventory receivable proficient, Management Control System Developer & Specialist. Proactive communications & Equipment Dealer Specialist for Healthcare/Printing/Office Equipment & Industrial portfolios. Specialist in ALL Inventory receivable channels. Daniel.Delpriora@gmail.com

 

(Leasing News provides this ad as a trade for appraisals
and equipment valuations provided by Ed Castagna)

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Dallin Hawkins Chapter 7 Bankruptcy Update
Is About to Walk Away From Debts and Judgements

2016 Photo
https://www.linkedin.com/in/dallinhawkins

It appears that the voluntary Chapter 7 bankruptcy of Dallin Brad Hawkins, Integrity Financial Groups, Utah will be discharged. He listed his debts and judgements of $143,796.17 (1) and monthly income of $4,188.71 (2). At the 341 Meeting on 11/22, George B. Hofmann, Trustee, IV, basically stated, "...there is no property available for distribution from the estate over and above that exempted by law... request that I be discharged from any further duties as trustee."

Full Docket Statement:
“Chapter 7 Trustee's Report of No Distribution: having been appointed trustee of the estate of the above-named debtor(s), report that I have neither received any property nor paid any money on account of this estate; that I have made a diligent inquiry into the financial affairs of the debtor(s) and the location of the property belonging to the estate; and that there is no property available for distribution from the estate over and above that exempted by law. Pursuant to Fed R Bank P 5009, I hereby certify that the estate of the above-named debtor(s) has been fully administered. I request that I be discharged from any further duties as trustee. Key information about this case as reported in schedules filed by the debtor(s) or otherwise found in the case record: This case was pending for 1 month. Assets Abandoned (without deducting any secured claims): $ 4225.00, Assets Exempt: $ 450.00, Claims Scheduled: $ 150528.21, Claims Asserted: Not Applicable, Claims scheduled to be discharged without payment (without deducting the value of collateral or debts excepted from discharge): $ 150528.21. (Hofmann tr, George) (EOD: 11/22/2016)”

Deadline for objecting to discharge: 01/23/2017

U.S. Trustee
United States Trustee
Ken Garff Bldg.
405 South Main Street
Suite 300
Salt Lake City, UT 84111

1. Debts and judgements of $143,796.17 40 pageshttp://www.leasingnews.org/PDF/SummaryAssetsLiabilities2016.pdf
2. Listed his monthly income of $4,188.71
   http://www.leasingnews.org/PDF/MonthlyIncome2016.pdf

Alert: Dallin Hawkins Files Chapter 7
http://leasingnews.org/archives/Nov2016/11_14.htm#alert

 

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

 

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joins
“Broker/Lessor” List “A”

Premier Business Lending   El Dorado Hills, CA Chris Wilcox, Managing Partner 916.400.9001 Ext.103 cwilcox@premierbusinesslending.com Eric Jenkins,  Senior Managing Partner www.premierbusinesslending.com

2015

6

Nationwide

Avg Trans: $60,000 Mn: $20,000 to $5 Million

BBB

Y

A

N

N

N

BBB - Better Business Report | CBB - Leasing News Complaint Bulletin Board| CNI - Current News Information

A - City Business License | B- State License | C - Certified Leasing Professional | D - State(s) sales/use tax license |
E - Named as "lessor" on 50% or more of lease contract signed. |

Full List:
http://www.leasingnews.org/Brokers/broker_Lessor.htm

 

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Marlin 59 Page September 30, 2017 10Q Highlights
Copiers Still Number One Evergreen Clause

by Christopher Menkin

FORM 10-Q
  
QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934
For the Quarterly Period Ended September 30, 2016
Commission file number 000-50448
 
MARLIN BUSINESS SERVICES CORP.
 (Exact name of registrant as specified in its charter)

Copiers continue to be the largest group of "Residual Performance," $22.7 million, or 83.1%, were related to copiers." (1)

Yet a following paragraph states, "Our leases generally include renewal provisions and many leases continue beyond their initial contractual term. Based on the Company’s experience, the amount of ultimate realization of the residual value tends to relate more to the customer’s election at the end of the lease term to enter into a renewal period, purchase the leased equipment or return the leased equipment than it does to the equipment type." (1)

"Our leases offer our end user customers the option to own the equipment at lease expiration. As of September 30, 2016, approximately 69% of our leases were one dollar purchase option leases, 31% were fair market value leases and less than 1% were fixed purchase option leases, the latter of which typically contain an end-of-term purchase option equal to 10% of the original equipment cost."  (1)

Marlin, they characterize the end of term extensions as "lessee choice"...I think that is questionable in the context of their evergreen income that is usually the result of the failure of the lessee to give timely notice as dictated by the agreement...hardly a choice, more an oversight accident!

Other Interesting Facts:

"Insurance premiums written and earned. Insurance premiums written and earned increased $0.1 million to $1.6 million for the three-month period ended September 30, 2016 from $1.5 million for the three-month period ended September 30, 2015, primarily due to an increase in the number of contracts enrolled in the insurance program as well as higher average ticket size."  (2)

"During the three months ended September 30, 2016, we generated 6,606 new leases with equipment cost of $117.9 million, compared to 6,476 new leases with equipment cost of $99.7 million generated for the three months ended September 30, 2015. Sales staffing levels increased from 131 sales account executives at September 30, 2015 to 136 sales account executives at September 30, 2016. Approval rates decreased 10% to 56% for the quarter ended September 30, 2016, compared to 66% for the quarter ended September 30, 2015." (3)

"Our leases are fixed-rate transactions with terms generally ranging from 36 to 60 months. At September 30, 2016, our lease portfolio consisted of 84,335 accounts with an average original term of 48 months and average original transaction size of approximately $15,000. (4)

"During the first quarter of 2015, the Company launched Funding Stream, a new, flexible loan program of MBB. Funding Stream is tailored to the small business market to provide customers a convenient, hassle free alternative to traditional lenders and access to capital to help grow their businesses. As of September 30, 2016, the Company had approximately $16.3 million, not including the allowance for credit losses allocated to loans of $0.7 million, of small business loans on the balance sheet. Generally, these loans range from $5,000 to $100,000, have flexible 6 to 24 month terms, and have automated daily or weekly payback. Small business owners can apply online, in ten minutes or less, on www.Fundingstream.com. Approved borrowers can receive funds in as little as two days." (4)

"As of September 30, 2016, the Company leases all nine of its office locations including its executive offices in Mt. Laurel, New Jersey, and its offices in or near Atlanta, Georgia; Philadelphia, Pennsylvania; Salt Lake City, Utah; Portsmouth, New Hampshire; Highlands Ranch, Colorado; Aurora, Colorado; Denver, Colorado; and Plymouth, Michigan. These lease commitments are accounted for as operating leases. The Company has entered into several capital leases to finance corporate property and equipment." (5)

There was no list of business per state or type of equipment as in previous statements.

Form 10-Q for Quarterly Period Ended September 30, 2016
    (59 pages)
http://www.leasingnews.org/PDF/MarlinSept2016.pdf

(1) Page 45
(2) Page 37
(3) Page 31
(4) Page 29
(5) Page 13

Highlights on Marlin Business Telephone Conference Call
http://leasingnews.org/archives/Oct2016/10_31.htm#highlights

Marlin Announces New CEO/Complete Stories Collection
http://www.leasingnews.org/Conscious-Top%20Stories/Marlin_Leasing_2008.htm

 

 

 

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Unemployed due to FinTech
Career Crossroad---By Emily Fitzpatrick/RII

Question:
Emily, I am unemployed … The Financial Technology move cost me my job. I was in a lease administration role before I was laid off because of moving to #######. I am having a hard time finding a position in the Equipment Leasing Industry – what would you suggest?

Answer:
I am sorry to hear that you are having difficulty finding a new position … many are in the same predicament as Financial Technology is automating operations.

I am confident that you have skills that are transferable from industry to industry – do some research in determining what other industries you may be interested in.

Additionally, you may want to develop your resume geared towards those industries; each version should focus on your transferable skills. This will lead to a few versions of your resume – that is okay.

In the meantime, brush up on your skills … e.g. take some classes, sign up for designations (CLFP) within the industry – this will make you more marketable. Be open to consulting work or part-time opportunities which future employers will consider and admire.

Don’t forget to NETWORK with:
· Recruiters
· Staffing agencies (typically for consulting / temp work)
· Previous co-workers
· Previous managers

They may be aware of openings coming available …
I wish you luck and if you need more assistance, please feel free to contact me. 

Emily Fitzpatrick
Sr. Recruiter
Recruiters International, Inc.
Phone:  954-885-9241
Cell:  954-612-0567
emily@riirecruit.com
www.riicareer.com
Invite me to Connect on LinkedIn
www.linkedin.com/pub/emily-fitzpatrick/4/671/76
Also follow us on Twitter #RIIINFO
https://www.pinterest.com/recruitersinter/rii-career-services/

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

 

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Best Christmas Present Ever—Take CLFP Study Course
Three Courses Available First Half, 2017

 

Minneapolis, Minnesota
February 23, 2017 through February 25

Atlanta, Georgia
March 23, 2017 through March 25, 2017

Northbrook, Illinois
May 4, 2017 through May 6, 2017

Note: the CLFP Exam was made more automated during a previous
weekend where Michael Green, CLFP, Amy Spragg, CLFP, Nancy Geary, CPA, CLFP, Brian Schonfeld, CLFP, and Reid Raykovich, CLFP spent over 12 hours re-working the CLFP exam in order to make it more automated. It will be available for the 2017 exams. Host was Dakota Financial.

The Next Academy for Leasing and Finance Professionals will be held Thursday, February 23, 2017 and end Saturday, February 25, 2017, Minneapolis, Minnesota. The three-day event designed to fully prepare an individual to sit for the Certified Leasing and Finance Professional exam, assuming the attendee has already self-studied. During the first two days, all of the required sections of the CLFP exam are covered in-depth and on the third day, the exam is offered, but not mandatory.

Students are strongly advised to have read and studied The Certified Lease & Finance Professionals' Handbook prior to attending the class in order to ensure success

http://www.clfpfoundation.org/toolbox/clfp_handbook.php.

The cost to attend the class is $600 and the cost of the exam is $695.  When purchased together, the total is discounted to $1250. Current CLFPs are offered a discounted price of $395 and class attendance satisfies the Recertification requirement.

To register, please contact us: reid@CLFPfoundation.org or (206) 535-6281.

 

Consumer Auto Leasing

Almost everyone in the equipment leasing business at one time or another has been asked by friends or relatives “Should I lease a car or not”. Consumer auto leasing is very different than commercial equipment leasing but few consumers understand those differences and therefore think that because we are in the leasing business, we should have all the answers.

When comparing traditional car financing to leasing, usually the rates are comparable, however the speed at which the principal is paid back has a lot to do with the cost. For instance, a $35,000 loan over 48 months at a rate of 6% has payments of $821.98 and a total interest cost of $4,454.85, whereas a 48 month lease on the same car at the same rate with a “bring back” (residual) of 40% ($14,000) has payments of $563.19 and a total interest of $6,032.91.

The payment is lower but the total interest charge (at the same rate) is higher. This is a result of only paying 60% of the cars cost over the term so the outstanding principle is always higher as the $35,000 is reduced to a remaining balance at termination of $14,000. The rate is the same but the total interest earned by the Lessor is 35% higher.

The next question is the residual or bring back amount. The two terms used in consumer leasing for the responsibilities at lease termination are “closed end” or “open end.” Closed end means you can walk away with no responsibilities for the bring back if the car is returned at or below the mileage requirement and it is in clean condition. Open end means you are responsible for the bring back and if there is any short fall or deficiency when the car is sold you must make it up. Usually manufacturers offer closed end leases and financial institutions offer open end leases.

To compete with manufacturer programs, many financial institutions purchase residual insurance that allows them to offer closed end leases but then the customer usually has no opportunity to purchase the car at termination because it has been presold to the insurance carrier.

One of the problems in consumer leases are legal documents that are written in vague language. That is not to say that they do not disclose all of the charges required by truth in lending, but many consumers do not read or understand the language or their responsibilities. All they see are lower payments and because they have been comparing loan payments to determine who is cheapest they apply the same logic to leasing. Upon lease termination, they can find that the interpretation of the documents by the car dealer requires them to put the car in like new condition upon return or renew the lease for an additional year regardless of the closed end nature of the lease. Also, it is vague on who sells the car or how its value is determined.

How do you define selling costs and who determines a whole host of issues not covered in the agreement? Congress is working on some solutions but it still is in the future,

Clearly a lower cash flow requirement for lease payments encourages the consumer to lease because you can lease a luxury car or purchase an ordinary car. Lower payments are the American way by allowing us to push off until tomorrow what we cannot pay for today. While that may work if the leased car remains popular in the resale market, if the price falls below expectations at lease termination, the lessors are going to look to the consumer or the insurance company to fill the gap. Be careful of end of the lease traps.

I always say if you can invest the difference between the lower lease payment and the equivalent loan payment at a rate that is higher than the interest rate on the lease then lease, if not then purchase. However, when my children were in college, and cash flow was a premium, I leased my car out of sheer necessity.

Coda from Ralph Mango, Associated Editor:
“Automobile Leasing vs. Buy...if you ultimately wish to own the car, do not lease it, finance it.  If you are prepared to return the car at lease end, then optimize the payment stream and negotiate away those fees at lease end for return.  And doc fees are nothing more than the recovery of the origination fee for the bank.  Try to negotiate the excess mileage fee as well...it can be done!”

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

 

German Shepherd
Sacramento, California  Adopt-a-Dog

Girl

"I am a spayed female, brown and black German Shepherd Dog.
The shelter staff thinks I am about 6 years old.
I weigh approximately 67.00 pounds.
I have been at the shelter since Oct 26, 2016."

For more information about this animal, call:
Sacramento County Animal Care and Regulation at (916) 368-7387
Ask for information about animal ID number A700791

Sacramento County Animal Care
3839 Bradshaw Road, Sacramento, CA 95827
(1 mile south of Hwy 50 between Goethe and Kiefer)

Shelter Hours:
Tuesday- 12:30 – 6:30 p.m.
Wednesday- 12:30 – 5:30 p.m.
Thursday - 12:30 – 6:30 p.m.
Friday- 12:30 - 5:30 p.m.
Sat/Sun- Noon – 4:30 p.m.
Closed Mondays and most holidays

General Information: (916) 368-7387 (PETS)
Live operators available M-F, 6 a.m.-11 p.m.
e-mail: CountyAnimalCare@SacCounty.net

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

 

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Attorneys Who Specialize in
Banking, Finance, and Leasing

Birmingham, Alabama The lawyers of Marks & Associates, P.C. have over 30 years experience in dealing with virtually every type of equipment financing and are recognized throughout the industry for prompt, practical solutions and exemplary service. They offer cost-conscious, effective lease enforcement and good counsel.  Email: Barry@leaselawyer.com Website: www.leaselawyers.com	California, National: city: Riverside  Ellen Stern - get results, reasonable pricing; numerous industry contacts, nearly 30 yrs exp.in SoCal, 20 yrs equip.: CFL license specialist, documentation, work-outs, litigated collections, recoveries; deal-maker.  Email: leaselaw@msn.com
Kenneth C. Greene California Leasing and Financial consultant, active in several leasing associations, as well as involved in music and film production inLA.  Mention "Leasing News" for a free consultation. 818.575.9095 Skype: 424.235.1658 ken@kengreenelaw.com	Connecticut, Southern New England:  EVANS, FELDMAN & BOYER, LLC Collections, litigation, documentation, portfolio sales and financing, bankruptcy. We represent many of the national and local leasing companies doing business in this state. Past chairman EAEL legal committee. Competitive rates.  email: rcfeldman@snet.net
Los Angeles/Santa Monica Hemar & Associates, Attorneys at Law Specialists in legal assistance, including debt collection, equipment recovery, litigation for 35 years. Fluent in Spanish.  Tel: 310-829-1948  email: phemar@hemar.com
Los Angeles, Southern CA  Seasoned attorney representing secured creditors in auto finance and truck/equipment lease industry.  Bankruptcy and State Court litigation.   Vincent V. Frounjian (818) 990-0605or email: vvf@pacbell.net.	Encino, California: Statewide “ELFA”  Hemar, Rousso & Heald, LLP 30 yr excellent reputation Lessor representation commercial litigation, debt collection, and bankruptcy. Call Stephen E. Jenkins Esq (818) 501-3800
Los Angeles, Statewide: CA.     "ELFA" Aggressive creditors rights law firm specializing in equipment leasing handling collection matters on a contingency, fixed fee or hourly cbasis. email:RGarwacki@prodigy.net	Los Angeles, Statewide: CA      "ELFA" Practice limited to collections, bankruptcy and problem accounts resolution. Decades of experience. 10-lawyer firm dedicated to serving you. Call Ronald Cohn, Esq. (818)591-2121 or email. Email: rrcohn@aol.com
Los Angeles- Statewide, CA Lawyer specializing in banking and leasing issues statewide. Documents and litigation.  Tom McCurnin, Barton, Klugman & Oetting. Voice: (213) 617-6129  Cell:(213) 268-8291 Email:  tmccurnin@bkolaw.com	California & National Paul Bent – More than 35 years experience in all forms of equipment leasing, secured lending, and asset based transactions. Financial analysis, deal structuring, contract negotiations, documentation, private dispute resolution, expert witness services.  (562) 426-1000 www.paulbentlaw.com pbent@paulbentlaw.com
Illinois   Kevin E. Trabaris: Concentrates his practice in the areas of commercial finance, corporate and business transactions. Extensive experience representing banks, financial companies, equipment lessors, insurers and other funding and intermediary entities and borrowers in connection with thousands of business financing matters. He has handled everything from small ticket transactions to billion dollar syndicated loans, real estate financing to asset-based facilities. Email: ktrabaris@llflegal.com Work: 312.667.1354 Cell: 847.840.4687 http://llflegal.com/attorneys/kevin-trabaris/	Law Firm - Service, Dallas, TX. "ELFA" Mayer regularly practices in leasing, secured financing, project development and finance and corporate finance.  email: dmayer@pattonboggs.com Website: www.pattonboggs.com
Massachusetts (collection/litigation coast to coast)  Modern Law Group focuses its practice on collections, lease enforcement and asset recovery. For the past five years, our attorneys have helped clients recover millions of dollars. We are able to cover your needs coast to coast. Email phone 617-855-9085www.modernlawgroup.com	Michael J. Witt, experienced bank, finance, and leasing attorney, also conducts Portfolio Audits. Previously he was Managing Counsel, Wells Fargo & Co. (May, 2003 – September, 2008); Senior Vice President & General Counsel, Advanta Business Services (May, 1988 – June, 1997) Tel: (515) 223-2352 Cell: (515) 868-1067  E-mail: MWitt@Witt-Legal.com Web: www.witt-legal.com
National:  The OMEGA Network Group-nationwide legal representation of small and mid ticket equipment lessors-flat fee bankruptcy & replevin, contingent collection,  billable litigation (704-969-3280) tong_92@yahoo.com	National: Coston & Rademacher: Business attorneys serving the lease-finance industry since 1980. Transactional, documentation, corporate/finance, workouts, litigation, bankruptcy, portfolio management. Chicago-based national practice. Jim Coston, CLP (Members: ELFA, NEFA).  email: Jcoston@costonlaw.com Website:www.costonlaw.com
St. Louis County , MO. - statewide:  Schultz & Associates LLP., collections, negotiation, and litigation. Also register and pursue recovery on foreign judgments. Contingency and reasonable hourly rates.  Ronald J. Eisenberg, Esq. (636) 537-4645 x108  reisenberg@sl-lawyers.com www.sl-lawyers.com	NJ, De, Pa: Specializing in leased equipment/secured transactions. Collections, replevins/workouts reasonable rates. Sergio Scuteri/Capehart & Scratchard, PAsscuteri@capehart.com / www.capehart.com
New York and New Jersey Frank Peretore Chiesa Shahinian & Giantomasi West Orange, New Jersey http://www.csglaw.com/ biographies/frank-peretore  Phone 973-530-2058 fperetore@csglaw.com  Documentation, portfolio purchase & sale, replevin, workouts, litigation, collection, bankruptcy. Aggressive. Over 30 years experience.	Thousand Oaks, California:  Statewide coverage Spiwak & Iezza, LLP 20+ years experience,Representing Lessors banks in both State/ Federal Courts/ all aspects of commercial leasing litigation. Nick Iezza 805-777-1175 niezza@spiwakandiezza.com

Receivables Management LLC John Kenny • End of Lease Negotiations & Enforcement  • Third-Party Commercial Collections john@jkrmdirect.com | ph 315-866-1167 www.jkrmdirect.com

(Leasing News provides this ad as a trade for investigative
reporting provided by John Kenny)

News Briefs----

FBI's D.B. Cooper files now available online
    with author's call for help in solving case
http://www.oregonlive.com/portland/index.ssf/
2016/11/fbis_db_cooper_case_files_now.html#incart_2box

 

 

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--You May Have Missed It

At Boeing’s 777X wing factory, robots get big jobs
http://www.seattletimes.com/business/boeing-aerospace/at-boeings-777x-wing-factory-robots-get-big-jobs/

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American Football Poem

Silver Lining To The Clouds Of Doubt

When things go wrong, as they sometimes will,
When the road you're trudging seems all up hill,
When the funds are low and the debts are high,
And you want to smile but you have to sigh,
When care is pressing you down a bit,
Rest if you must, but don't you quit.

Life is queer with its twists and turns
As every one of us sometimes learns,
And many a failure turns about
When he might have won had he stuck it out;
Don't give up though the pace seems slow-
You might succeed with one last blow.

Often the goal is nearer than
It seems to be to a faltering man.
Often the struggler has given up,
When he might have captured the victor's cup.
And he learned too late, when night slipped down,
How close he was to the golden crown.

Success is failure turned inside out.
The silver lining to the clouds of doubt-
And you never can tell how close you are,
It may appear when it seems afar;
So stick to the fight when you're hardest hit-
It's when things seem worst that you mustn't quit!

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Sports Briefs----

Imperfect 10: 49ers set franchise record for consecutive losses
http://www.mercurynews.com/2016/11/27/imperfect-10-49ers-set-franchise-record-for-consecutive-losses/

Santa Clara heads for battle with 49ers over Levi’s Stadium
http://www.sfgate.com/bayarea/article/Santa-Clara-heads-for-war-with-49ers-over-10633880.php

Chargers hold off Texans for fifth win
http://www.sandiegouniontribune.com/sports/chargers/sd-sp-chargers-texans-game-20161127-story.html

Oregon coach Mark Helfrich to meet
   athletic director Rob Mullens soon about his job
http://www.oregonlive.com/ducks/index.ssf/2016/11
/oregon_coach_mark_helfrich_to.html#incart_big-photo

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California Nuts Briefs---

Vineyards losing labor to marijuana growers,
    who promise easier work for better pay
http://www.winesandvines.com/template.cfm
?section=news&content=177073

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“Gimme that Wine”

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

Santa Barbara Wine Country Ordinance Shot Down
http://www.independent.com/news/2016/nov/22/santa-barbara-wine-country-ordinance-shot-down/

Washington Harvest Set to Crush Records Cabernet leads
  other varieties as Chateau Ste. Michelle predicts 275,000 tons
http://www.winesandvines.com/template.cfm?
section=news&content=177130

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/

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

      1729 - Natchez Indians massacred most of the 300 French settlers and soldiers at Fort Rosalie, Louisiana.
    1745 - French troops attacked Indians at Saratoga, NY. The Saratoga of 1745 was on the site of the present Schuylerville, NY, on the west bank of the Hudson River about eleven miles east of the present Saratoga Springs NY, and only about thirty miles north of Albany. The raiders were four hundred French troops and two hundred and twenty Indians of the Abnaki and Caughnawaga tribes. The Caughnawagas were a breakaway group from the Mohawk tribe. The Mohawks - eastern most among the six nations of the Iroquois League - were constrained by their proximity, if nothing else, to prefer the English, but at the time the official Iroquois position was one of neutrality. The Caughnawagas were a group of Mohawks who preferred the French and had moved north and adopted the Caughnawaga name, but the Mohawks still considered them as wayward brothers. Thus it was unthinkable that the Mohawks would stop these raiders as they came through Mohawk territory on this raid. There was no serious opposition to the attack on Saratoga, which came at dawn. The town was burned so completely that the only structure left standing was a sawmill somewhat apart from the main part of town. The raiders killed or captured one hundred and one individuals, including the slaves of the residents. The terrified citizens had helped the raiders by burning their own fort and fleeing down the Hudson. The Iroquois, no fools, had given a promise of alliance to the English, when the massive English Army they had been told was coming to crush the French appeared.  Of course, there was never a plan to send any such English Army to NY. The debacle of Saratoga was further proof to the Iroquois that the English were not committed to fighting the French but were instead trying to get the Iroquois to do it for them.
    1775 - The 2nd Continental Congress adopts first rules for regulation of the "Navy of the United Colonies."
    1775 - While the Marines were authorized to form on November 10 by the Continental Congress, the first ma­rine officer was Samuel Nicholas, a Philadel­phia Quaker, commissioned captain on Novem­ber 28, 1775, at $32 a month. The Marines were under the jurisdiction of the War Depart­ment until April 30, 1798, when Congress cre­ated the Navy Department. The present Marine Corps was created by act of July 11, 1798, which authorized a major, 4 captains, 16 first lieutenants, 12 second lieutenants, 48 sergeants, 48 corporals, 32 drums and fifes, and 720 pri­vates, including enlisted men. The first major was William Ward Burrows of South Carolina, who was appointed July 12, 1798, and served nearly 6 years.
    1785 – Treaty of Hopewell was signed at Hopewell Plantation, owned by Andrew Pickens in northwestern South Carolina. The treaties were signed between the Confederation Congress of the US and the Cherokee (1785), Choctaw and Chickasaw (1786) peoples. The historic site of the 'Treaty Oak,' where the signings took place, is on Old Cherry Road in Pickens County, SC.  The treaty laid out a western boundary for American settlement. The treaty gave rise to the sardonic Cherokee phrase of ‘Talking Leaves,’ since they claimed that when the treaties no longer suited the Americans, they would blow away like talking leaves.
    1795 - US paid $800,000 and a frigate as tribute to Algiers and Tunis.
    1861 – The Confederate Congress officially admitted Missouri to the Confederate Army.
    1871 – Ku Klux Klan trials began in Federal District Court in South Carolina.
    1872 - The Modoc War of 1872-73 began in Siskiyou County, northern California when fighting broke out between Modoc Chief Captain Jack and a cavalry detail led by Captain James Jackson. Brutally harsh conduct characterized white-Indian struggles in the Northwest, such as the 1,000-mile saga of the 1877 Nez Percé War and the Modoc War. Harvesters of fish and waterfowl, game, seeds and bulbs, the Modoc were a tribe of the Iutuamian stock. They lived on lava plateaus dotted with sage and the forested mountains of northern California and southern Oregon. Their houses, which resembled beehives, lined the banks of Lost River and the shores of Tule Lake. White settlers began to populate the attractive area in the 1860s. The Modoc resisted the encroachment at great cost and, by 1864, the tribe had been reduced to about 250. Subsequently, they surrendered their lands to the U.S. government and entered the former Klamath reservation in southern Oregon. They barely survived on the hardscrabble reservation. In 1870, Chief Kintpuash, also known as Captain Jack, directed some of his band to California. When the group subsequently refused to return to the reservation, attempts were made to force the Modocs' return, which precipitated the war of 1872-1873. U.S. soldiers pursued the Indians to Tule Lake. There, lava beds and caves furnished nearly perfect fortifications for the quarry. The small band of about 150 poorly armed Indians held out for six months. Repeatedly repulsed, the soldiers enlarged their ranks to 1,000 by March, 1873. In the course of peace talks, negotiators General E. R. S. Canby and Eleazer Thomas were killed. The soldiers grimly stepped up their struggle to overpower the Modoc. In 1873, Captain Jack and his whittled-down band of approximately 30 surrendered; he and three others were hanged. A number of the rebellious group were returned to Klamath Reservation, and the rest were sent to Quapaw Reservation in Oklahoma. The Klamath Reservation was disbanded in 1963, and the Native Americans on the Quapaw Reservation merged with other tribes.
    1895 - The first automobile race took place, between Chicago and Waukegan, Ill.
    1906 - George Wettling (d. 1968) birthday, Chicago.  American jazz drummer, he was one of the young white Chicagoans who fell in love with jazz as a result of hearing King Oliver’s band with Louis Armstrong on second cornet at the Lincoln Gardens in Chicago in the early 1920s. Oliver's drummer, Baby Dodds, made a particular and lasting impression upon Wettling.  He went on to work with the big bands of Artie Shaw, Bunny Berrigan, Red Norvo, Paul Whiteman, and even Harpo Marx, but he was at his best on (and will be best remembered for) his work in small 'hot' bands led by Eddie Condon, Muggsy Spanier, and himself.
http://www.harlem.org/people/wettling.html
http://artisttv.artistdirect.com/music/artist/bio/0,,508904,00.html?artist=George+Wettling
    1907 - Birthday of African-American painter and sculptor Charles H. Alston (d. 1977) at Charlotte, NC. Charles Alston was celebrated in his lifetime for seminal paintings and sculptures that defy categorization. Throughout his career, he experimented with styles ranging from realism to abstraction. His realistic WPA murals at Harlem Hospital depict a narrative in the style of Diego Rivera. The Cubist painting of “The Family” (1955), is an excellent example of Alston's early work, influenced by Italian artist Amedeo Modigliani. “Black Man, Black Woman USA” has a decidedly Egyptian style of portraiture. “Walking” (1958), which depicts a silent crowd, almost prophecies the turmoil and social agitation of the Civil Rights Movement.
    1915 - Birthday of trumpet player and arranger Dick Vance, (d. 1985), Mayfield, KY. Arranged for Chick Webb, Cab Callaway, Harry James.
    1925 - The Grand Ole Opry in Nashville made its debut on radio station WSM.
    1927 - Birthday of altoist Gigi Gryce, born George General Grice Jr. (d. 1983), Pensacola, FL.
    1929 – Ernie Nevers scored all 40 points – 6 TDs and 4 PATs - for the Chicago Cardinals in a 40-6 rout of the Chicago Bears.  This is still a NFL record.
    1929 – Adm. Richard Byrd made his first flight over Antarctica.
    1929 – Berry Gordy, Jr. was born in Detroit.  He is the founder of the Motown record label.  In 1957, Jackie Wilson recorded "Reet Petite," a song Gordy had co-written with his sister Gwen and writer-producer Billy Davis. It became a modest hit, but had more success internationally, especially in the UK. Wilson recorded six more songs co-written by Gordy over the next two years, including "Lonely Teardrops," which topped the R&B charts and got to number 7 in the pop chart. Berry and Gwen Gordy also wrote for Etta James at Chess Records.  Also in 1957, he discovered The Miracles and began building a portfolio of successful artists. In 1959, with the encouragement of Miracles leader Smokey Robinson, Gordy borrowed $800 from his family to create an R&B record company. Gordy chose the name Tamla Records and began operating on January 21, 1959. "Come to Me" by Marv Johnson was issued as Tamla 101 as well as Johnson's more successful follow-up records such as "You Got What it Takes," co-produced and co-written by Gordy. His next release was the only 45 ever issued on his Rayber label, featuring Wade Jones with an unnamed female backup group. The record did not sell well and is now one of the rarest issues from the Motown stable. The Tamla and Motown labels were then merged into a new company, Motown, incorporated on April 14, 1960. In 1960, Gordy signed an unknown singer, Mary Wells, who became the fledgling label's first star, with Smokey Robinson penning her hits "You Beat Me to the Punch," "Two Lovers," and "My Guy." The Miracles' hit "Shop Around" peaked at No. 1 on the national R&B charts in late 1960 and at No. 2 on the Billboard pop charts on January 16, 1961, establishing Motown as an independent company worthy of notice. Later in 1961, The Marvelettes' "Please, Mr. Postman" made it to the top of both charts.  Gordy's gift for identifying and bringing together musical talent, along with the careful management of his artists' public image, made Motown initially a major national and then international success. Over the next decade, he signed such artists as The Supremes, Marvin Gaye, The Temptations, The Contours, The Four Tops, Gladys Knight and The Pips, Stevie Wonder and The Jackson 5. Though he also signed various white acts on the label, he largely promoted African-American artists but carefully controlled their public image, dress, manners and choreography for across-the-board appeal.
    1932 – Groucho Marx performed on radio for the first time.
    1938 – The Chicago White Sox 25-year-old pitcher Monty Stratton’s leg was amputated after a hunting accident.
    1942 – 602 died in a fire at the Cocoanut Grove nightclub in Boston.
    1943 – FDR, Churchill and Stalin met in Tehran to plan the next moves after World War II.
    1948 - “Hopalong Cassidy” premiered on NBC-TV. Actor Bill Boyd, 53, starred in the title role. This was the first western series on television.  A fictional cowboy hero created in 1904 by Clarence E. Mulford, who wrote a series of popular short stories and many novels based on the character.  In his early writings, Mulford portrayed the character as rude, dangerous, and rough-talking. From 1935, the character, as played by Boyd in films adapted from Mulford's books, was transformed into a clean-cut hero. Sixty-six popular films appeared, only a few of which were loosely based on Mulford's stories.
 
    1950 – Shortly after releasing Branch Rickey, Brooklyn Dodgers’ owner Walter O’Malley replaced manager Burt Shotton with Chuck Dressen.  Shotton, who replaced the suspended Leo Durocher in 1947, compiled a 326-215 record with pennants in 1947 and 1949.
    1950 - BARBER, WILLIAM E., Medal of Honor
Rank and organization: Captain U.S. Marine Corps, commanding officer, Company F, 2d Battalion 7th Marines, 1st Marine Division (Rein.). Place and date: Chosin Reservoir area, Korea, 28 November to 2 December 1950. Entered service at: West Liberty, Ky. Born: 30 November 1919, Dehart, Ky. Citation: For conspicuous gallantry and intrepidity at the risk of his life above and beyond the call of duty as commanding officer of Company F in action against enemy aggressor forces. Assigned to defend a 3-mile mountain pass along the division's main supply line and commanding the only route of approach in the march from Yudam-ni to Hagaru-ri, Capt. Barber took position with his battle-weary troops and, before nightfall, had dug in and set up a defense along the frozen, snow-covered hillside. When a force of estimated regimental strength savagely attacked during the night, inflicting heavy casualties and finally surrounding his position following a bitterly fought 7-hour conflict, Capt. Barber, after repulsing the enemy gave assurance that he could hold if supplied by airdrops and requested permission to stand fast when orders were received by radio to fight his way back to a relieving force after 2 reinforcing units had been driven back under fierce resistance in their attempts to reach the isolated troops. Aware that leaving the position would sever contact with the 8,000 marines trapped at Yudam-ni and jeopardize their chances of joining the 3,000 more awaiting their arrival in Hagaru-ri for the continued drive to the sea, he chose to risk loss of his command rather than sacrifice more men if the enemy seized control and forced a renewed battle to regain the position, or abandon his many wounded who were unable to walk. Although severely wounded in the leg in the early morning of the 29th, Capt. Barber continued to maintain personal control, often moving up and down the lines on a stretcher to direct the defense and consistently encouraging and inspiring his men to supreme efforts despite the staggering opposition. Waging desperate battle throughout 5 days and 6 nights of repeated onslaughts launched by the fanatical aggressors, he and his heroic command accounted for approximately 1,000 enemy dead in this epic stand in bitter subzero weather, and when the company was relieved only 82 of his original 220 men were able to walk away from the position so valiantly defended against insuperable odds. His profound faith and courage, great personal valor, and unwavering fortitude were decisive factors in the successful withdrawal of the division from the deathtrap in the Chosin Reservoir sector and reflect the highest credit upon Capt. Barber, his intrepid officers and men, and the U.S. Naval Service.
    1950 - CAFFERATA, HECTOR A., JR. Medal of Honor
Rank and organization: Private, U.S. Marine Corps Reserve, Company F, 2d Battalion, 7th Marines, 1st Marine Division (Rein.). Place and date: Korea, 28 November 1950. Entered service at: Dover, N.J. Born: 4 November 1929, New York, N.Y. Citation: For conspicuous gallantry and intrepidity at the risk of his life above and beyond the call of duty while serving as a rifleman with Company F, in action against enemy aggressor forces. When all the other members of his fire team became casualties, creating a gap in the lines, during the initial phase of a vicious attack launched by a fanatical enemy of regimental strength against his company's hill position, Pvt. Cafferata waged a lone battle with grenades and rifle fire as the attack gained momentum and the enemy threatened penetration through the gap and endangered the integrity of the entire defensive perimeter. Making a target of himself under the devastating fire from automatic weapons, rifles, grenades, and mortars, he maneuvered up and down the line and delivered accurate and effective fire against the onrushing force, killing 15, wounding many more, and forcing the others to withdraw so that reinforcements could move up and consolidate the position. Again fighting desperately against a renewed onslaught later that same morning when a hostile grenade landed in a shallow entrenchment occupied by wounded marines, Pvt. Cafferata rushed into the gully under heavy fire, seized the deadly missile in his right hand and hurled it free of his comrades before it detonated, severing part of 1 finger and seriously wounding him in the right hand and arm. Courageously ignoring the intense pain, he staunchly fought on until he was struck by a sniper's bullet and forced to submit to evacuation for medical treatment Stouthearted and indomitable, Pvt. Cafferata, by his fortitude, great personal valor, and dauntless perseverance in the face of almost certain death, saved the lives of several of his fellow marines and contributed essentially to the success achieved by his company in maintaining its defensive position against tremendous odds. His extraordinary heroism throughout was in keeping with the highest traditions of the U.S. Naval Service.
    1950 - EMORE, ROBERT S., Medal of Honor
Rank and organization: Staff Sergeant, U.S. Marine Corps, Company E, 2d Battalion, 7th Marines, 1st Marine Division (Rein). Place and date: North of Yudam-ni, Korea, 27 and 28 November 1950. Entered service at: Greenville, S.C. Born: 21 June 1920, Greenville, S.C. Citation: For conspicuous gallantry and intrepidity at the risk of his life above and beyond the call of duty as leader of a machine gun section in Company E, in action against enemy aggressor forces. With the company's defensive perimeter overrun by a numerically superior hostile force during a savage night attack north of Yudam-ni and his platoon commander seriously wounded, S/Sgt. Kennemore unhesitatingly assumed command, quickly reorganized the unit and directed the men in consolidating the position. When an enemy grenade landed in the midst of a machine gun squad, he bravely placed his foot on the missile and, in the face of almost certain death, personally absorbed the full force of the explosion to prevent injury to his fellow marines. By his indomitable courage, outstanding leadership and selfless efforts in behalf of his comrades, S/Sgt. Kennemore was greatly instrumental in driving the enemy from the area and upheld the highest traditions of the U.S. Naval Service.
    1959 - Frankie Avalon's "Why" hits #1
    1960 - "Are You Lonesome Tonight," a ballad that was written in 1926 and first recorded by Al Jolson, became Elvis Presley's 14th number one hit in the US. Billboard magazine reported that five answer records to "Are You Lonesome Tonight?" had been released. Four of them were different versions of the same song entitled "Yes, I'm Lonesome Tonight." The fifth was the standard "Oh How I Miss You Tonight."
    1961 - Ernie Davis, halfback of Syracuse University, was the first African-American named to win the Heisman Memorial Trophy.  The halfback of Syracuse University was presented with the award on December 6, 1961, at the Downtown Athletic Club, New York City. The Heisman trophy is awarded annually to the outstanding college player in the United States. Davis, who was nicknamed "The Elmira Express," was a star running back at Syracuse and led the Orangemen in rushing for three seasons. He also became the first native of New York State to capture the award. Davis was a first round draft pick of the Cleveland Browns after his graduation from Syracuse but he was stricken with leukemia before ever playing a game in the National Football League. Davis died in May, 1963, after a 16-month battle against the disease. Davis was elected to the National Football Foundation and College Hall of Fame in 1979.   
    1964 - Mariner 4, the first successful mission to Mars, was launched. Approached within 6,118 miles of Mars on July 14, 1965. Took photographs and instrument readings.
    1964 - President Lyndon Johnson's top advisers--Maxwell Taylor, Dean Rusk, Robert McNamara, and other members of the National Security Council--agree to recommend that the president adopt a plan for a two-stage escalation of the bombing of North Vietnam. The purpose of this bombing was three-fold: to boost South Vietnamese morale, to cut down infiltration of Communist troops from the north, and to force Hanoi to stop its support of the insurgency in South Vietnam. While his advisors agreed that bombing was necessary, there was a difference of opinion about the best way to go about it. Johnson's senior military advisers pressed for a "fast and full squeeze," massive attacks against major industries and military targets in the north. His civilian advisers advocated a "slow squeeze," a graduated series of attacks beginning with the infiltration routes in Laos and slowly extending to the targets in North Vietnam. Ultimately, the civilian advisers convinced Johnson to use the graduated approach. The bombing campaign, code-named Rolling Thunder, began in March, 1965 and lasted through October, 1968.
    1964 - Trumpeter Hugh Masekela is a featured guest on CBS-TV's game show “To Tell the Truth.”
    1964 - The Shangri-Las' teen-trouble classic, "Leader Of The Pack," topped the Billboard Hot 100 singles chart. It made #11 in the UK. Beatles' drummer Ringo Starr said about the song: "Oh no, they're saying the leader of the pack's dead and all that. This record's a load of rubbish. Turn it off."
    1965 - President Elect Ferdinand Marcos of the Philippines states that he will send troops to South Vietnam, in response to President Lyndon Johnson's call for "more flags" in Vietnam. Johnson hoped to enlist other nations to send military aid and troops to support the American cause in South Vietnam. The level of support was not the primary issue; Johnson wanted to portray international solidarity and consensus for U.S. policies in Southeast Asia. The Philippines sent a 1,500-man civic action force in 1966; the United States paid for the group's operating costs and also provided additional military and economic aid to Marcos in return for sending his troops. Several other countries--including Australia, New Zealand, South Korea, and Thailand--responded to Johnson's call and sent troops to South Vietnam. Collectively, these troops were known as the Free World Military Forces, and they fought alongside American and South Vietnamese troops.
    1965 - Elvis Presley, surrounded by friends including Larry Geller, "drops" LSD for the first time at Graceland, joined by girlfriend Priscilla Beaulieu. After staring at each other’s distorted faces, the tropical fish in his aquarium, and, the next day, at dew drops on the breathing grass, both decide that they'd be risking their sanity to try the drug again.
    1965 - Haight Ashbury Vietnam Committee was the historic first organization against the Vietnam War.  The Vietnam War was the longest and most unpopular military conflict in U.S. history. More than 58,000 Americans were killed and 304,000 wounded, (up to 4 million Vietnamese were killed). The war began soon after the 1954 Geneva Conference divided Vietnam at 17 N lat. into the Communist-supported Democratic Republic of Vietnam (North Vietnam) and the U.S. supported Republic of Vietnam (South Vietnam). Direct American involvement began in 1955 with the arrival of the first advisors. The first combat troops arrived in 1965 and fought until the cease-fire of January, 1973. For the United States, the war ended with the withdrawal of American troops and failure of its foreign policy in Vietnam. The length of the war, the high number of U.S. casualties, and the exposure of U.S. involvement in war crimes such as the massacre at My Lai turned many in the United States against the war.
http://click.linksynergy.com/fs-bin/click?id=kvut7LOpYpA&offerid=124003.613909397&type=10&subid=
    1968 - The Beatles' The Beatles (a/k/a "The White Album") hits #1
    1968 - The first major rock concert on the East Coast, the Miami Pop Festival, takes place, a three-day affair featuring Chuck Berry, Marvin Gaye, The Turtles, Joni Mitchell, Procol Harum, Steppenwolf, Canned Heat, Iron Butterfly, The McCoys, Fleetwood Mac, The Box Tops, Three Dog Night, Pacific Gas and Electric, and The Grateful Dead.
    1971 - Sha Na Na makes the big time tonight, headlining Carnegie Hall with host Keith Moon of the Who (a huge fan of the group, as it turns out).
    1972 - Mick Jagger visits Managua, Nicaragua with his wife Bianca, searching for her mother after a devastating recent earthquake that claimed thousands of lives. Fortunately, Bianca's mother is fine.
    1974 - Helen Reddy's "Angie Baby" hits #1
    1974 - Elton John was joined on stage by John Lennon at Elton's Madison Square Garden concert. They performed three numbers together: "Whatever Gets You Through the Night," "Lucy in the Sky with Diamonds" and "I Saw Her Standing There." Lennon had promised the flamboyant rocker that he would make a stage appearance with him if his "What Gets You Through the Night" became a #1 hit, which it did two weeks earlier. Later that same night, Lennon and his estranged wife Yoko Ono reconciled backstage after being separated for a year.    
    1979 - The first goalie to score a goal in the National Hockey League was Bill Smith of the New York Islanders. In a game against the Colorado Rockies at the Nassau Coliseum in Uniondale, NY, Smith stopped a shot that rebounded and slid all the way down the ice into the opposing team's goal.
    1993 - Whitney Houston's "I Will Always Love You" reaches the top of the Billboard Hot 100 where it will stay unchallenged until next March.
    2001 - Enron Corp., once the world's largest energy trader, collapsed after would-be rescuer Dynegy Inc. backed out of an $8.4 billion deal to take it over.
    2010 – A precursor of the future:  WikiLeaks released 250,000 classified documents and sensitive national security information sent by U.S. embassies; the U.S. condemned the unauthorized disclosure.