Further Confirmation PIMCO Purchased Amur
But Company Continues to Deny

In the Fall Edition of Monitor Magazine, "Independents: The Innovators of Today 7 Tomorrow" by Christopher Gillock, Managing Director/CEO Colonnade Securities, LLC, includes Amur Equipment Finance.  On page 49, on the bottom of the page is Chart 2---in it, it shows Amur Equipment Finance the Target, Buyer, PIMCO, Focus of Targets, Comments. All those otherwise mentioned had transactions that were completed, so I assume the PIMCO transaction was completed or why in the group. The section is: The Next Generations of Independents.

Leasing News was unable to reach Mr. Gillock. Jacklynn Manning, CLFP, Vice President Marketing, at Amur, said she had not seen the article, and continues to deny the company was purchase by PIMCO.

Here are two previous Leasing News' stories:

http://leasingnews.org/archives/Apr2019/04_16.htm#amur

http://leasingnews.org/archives/Jul2019/07_03.htm#amur

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CLFP Foundation Adds 53 New CLFPs
824 Active Professionals and Associates

The Certified Lease & Finance Professional (CLFP) Foundation is pleased to announce that 53 individuals who recently sat through the 8-hour online CLFP exam, have passed. They are:

Nathan Bash, CLFP Assistant Vice President, Project Manager First American Equipment Finance Justin Berard, CLFP Senior Account Manager Amur Equipment Finance Mario Bianchi, CLFP Associate Business Analyst Northpoint Commercial Credit, LLC John Bortle, CLFP National Account Manager Amur Equipment Finance Christine Brown, CLFP VP, Quality and Risk Controls BB&T Commercial Equipment Capital Corp. Chad Carlson, CLFP Professional Services Manager Tamarack Consulting, Inc. Steven Caulder, CLFP Director, Consulting International Decision Systems Brian Chang, CLFP Associate Credit Analyst First American Equipment Finance Adam Drill, CLFP National Sales Manager K2 Capital Group Ronald Elwood, CLFP Sales & Marketing Manager, Partner Funding Division     Navitas Credit Corp. Joel Emmett, CLFP Lead Business Solutions Consultant International Decision Systems Benjamin Franzoso, CLFP Associate Direct Account Manager Amur Equipment Finance Jason Galaska, CLFP Senior Credit Analyst Amur Equipment Finance Brandon Gnecco, CLFP Associate Direct Account Manager Amur Equipment Finance Kimberly Gosal, CLFP Business Development Manager Amur Equipment Finance Jeffrey Heidman, CLFP Senior Solutions Architect Tamarack Consulting, Inc. Daniel Heim, CLFP Senior Sales Support Specialist BB&T Commercial Equipment Capital Corp. Tammy Heydt, CLFP Accounting Manager BB&T Commercial Equipment Capital Corp. Emily Hogan, CLFP Assistant Vice President First American Equipment Finance Christopher Holdaway, CLFP  SVP, Sr. Commercial Credit Underwriting Officer II BB&T Equipment Finance Corp. Hilary Hull, CLFP Customer Care Supervisor Amur Equipment Finance Kenneth Karpel, CLFP Vice President Sales East and Retention Amur Equipment Finance Nicholas Karlen, CLFP Associate Commercial Credit Underwriting Officer I BB&T Equipment Finance Corp. Aaron Kaslow, CLFP Vice President, Director of Lending Northpoint Commercial Credit, LLC Jessica Kort, CLFP Associate Vice President Treasury and Accounting Amur Equipment Finance Stephen LaMendola, CLFP Credit Analyst – Underwriting Amur Equipment Finance Eric Mandella, CLFP Corporate Trainer Navitas Credit Corp.

Joseph Martinez III, CLFP Vice President Engineering Navitas Credit Corp. Andrew Mayer, CLFP Software Engineer Tamarack Consulting, Inc. Maia McBurney, CLFP Associate Senior Business Application Consultant International Decision Systems Lance McKnight, CLFP VP Senior Commercial Credit Officer BB&T Equipment Finance Corp. Brent McWhorter, CLFP Senior Vice President of Sales Amur Equipment Finance Natalie Melhouse, CLFP Lead Business Solution Consultant International Decision Systems Dennis Miller, CLFP Senior Sales Support BB&T Commercial Equipment Capital Corp Kimberly Moore, CLFP Vice President of Sales First American Equipment Finance Mark O’Gorden, CLFP Senior Account Manager Amur Equipment Finance David Olson, CLFP Lead Business Solutions Consultant International Decision Systems Trenton Olson, CLFP Senior Credit Analyst KLC Financial, Inc. Kevin Peterson, CLFP Chief Operating Officer Northpoint Commercial Credit, LLC Erin Rasmus, CLFP Business Development KLC Financial, Inc. Ryan Rizzo, CLFP Senior Technical Implementation Consultant International Decision Systems Robert Rohner, CLFP Senior Retention Account Manager Amur Equipment Finance Jeffrey Saylor, CLFP Vice President, Financial Planning & Analysis First American Equipment Finance Margaret Schmitt, CLFP Senior Implementation Consultant International Decision Systems Donald Segura, CLFP Senior Finance Manager Amur Equipment Finance Ilija (Eli) Skundric, CLFP Senior Account Manager Amur Equipment Finance Marilyn Tacka, CLFP Operation Support Specialist BB&T Equipment Finance Corp. Takayuki (Taka) Wada, CLFP National Accounts Manager Amur Equipment Finance Scot Wall, CLFP Product Manager International Decision Systems Cameron Watten, CLFP Senior Account Manager Amur Equipment Finance William Whelan, CLFP Senior Business Application Consultant International Decision Systems Valerie Wood, CLFP Relationship Development Manager Amur Equipment Finance Amanda Zeken, CLFP Credit Manager and Corporate Liaison Smarter Equipment Finance, LLC

Mr. Elwood, CLFP attended the IDS Academy for Lease & Finance Professions in late September and stated, “I chose to pursue the CLFP designation to expand my knowledge base about our industry and become as well-versed in its intricacies as possible.  The CLFP community includes many of the best our industry has to offer, so the credibility and distinction that comes with the certification was a major factor.”

The CLFP designation identifies an individual as a knowledgeable professional to employers, clients, customers, and peers in the equipment finance industry. There are currently 824 active Certified Lease & Finance Professionals and Associates in the United States, Canada and Australia. For more information, visit http://www.CLFPFoundation.org.

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Help Wanted

 

 

Building Value: Quality over Quantity

Sales Makes it Happen by Scott Wheeler, CLFP

Over the last few years, participants in the commercial equipment leasing and finance industry have been in a race to the top. Companies have been working to gain market share, become "players," and exceed production expectations. However, bigger is not necessarily better. The real goal should be to build value; to have the capacity, ability, and resources to generate and fund high-quality assets which will perform over time.

I would like to share some personal notes:

1.  A top producing originator could not understand why his management team was not rewarding him with greater recognition and commissions. Over the past eighteen months, he funded nearly twice as much volume as the next two originators behind him. It needed to be pointed out that his transactions had less margins, required more company resources, and historically had greater risk. He consistently sold in the bottom tiered industries and higher risk clients within the guidelines of the company. (Every transaction pushed the envelope.) He took the route of least resistance and picked the lowest hanging opportunities. His personal portfolio was starting to have rising delinquencies. For months the company had suggested that he move his efforts into higher quality transactions. The company was being forced to move away from his traditional business resulting in the diminishment of his book of business. The originator's lack of quality business had caught up with him and his commissions (personal income) were being negatively affected. Quality over Quantity matters.

2.  An organization's portfolio has significantly grown over the past eighteen to twenty-four months. The company's investors wanted rapid growth at all cost. The management team was only able to meet expectations by reducing margins and reducing its credit requirements. This company was forced to move from a long-term, respected value-added participant to a commodity player based solely on price and least common denominators to win enough transactions to meet expectations. The rapid growth has hidden many of the increases in delinquencies, but the management team is well aware that growth alone cannot correct bad policies and unwise decisions for long. The company is building a house of cards which typically does not end well.

3.  A strong player in the market has consistently added value for its clients. The Company offers more services, more industry specific knowledge, and more equipment expertise than most all of its competitors. This company has built its portfolio while increasing its credit requirements and increasing its margins. This company is by no means the least expensive in the market, but it is one of the best. It sells value over price on every transaction and strong clients are willing to pay more, because of the added value the company and its employees offer. Every originator is recruited, trained, and retained on the premise that quality is the primary goal; and that the best professionals gain long-term sustainability and greater production by being better than the competition, not lower (in pricing or credit requirements). The company and every employee seek growth through quality assets. The company invests in their employees to ensure that they understand every aspect of the business from origination to portfolio management. Their originators have credit knowledge and invest their time into transactions which can be won, approved, and funded. Their credit team works closely with the originators to close more transactions. This company and its employees understand the importance of teamwork. There are many of these quality companies in the industry and they are leading the industry into the future with confidence, determination, and strategies based upon creating value.

If you were an investor where would you invest your money?

Order via Amazon: https://www.createspace.com/5355516  

Scott A. Wheeler, CLFP
Wheeler Business Consulting
1314 Marquis Ct.
Fallston, Maryland 21047
Phone: 410 877 0428
Fax: 410 877 8161
Email: scott@wheelerbusinessconsulting.com
Web: www.wheelerbusinessconsulting.com 

Sales Makes it Happen articles:
http://www.leasingnews.org/Legacy/index.html

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Small Businesses Turn to Online Lending Options
By Mary Miller, Coleman Reports

Rebounding from the last recession resulted in a longer and more difficult recovery time for small businesses. What helped, according to online lenders, is their automated lending systems and platforms.

Last quarter online lender, Kabbage, originated $670 million in loans, resulting in a 45% increase from the same time last year. Along with Kabbage, Square Capital (a division of Jack Dorsey's company Square) says it facilitated $390 million of borrowing during Q2 (22% increase). Stripe, a Silicon Valley payment company worth over $20 billion, is also planning to get into the online lending business.

As more small businesses turn to online lending options, local bank branches are closing. The digital lending process is fast, borrowers have their money sooner and no collateral is required. Additionally, some research suggests online algorithms may be more favorable to borrowers, increasing the likelihood of loan approval.

A Federal Reserve survey showed that online lenders received 32% of business loan applications last year, compared with 19% in 2016. Banks accounted for about half of lending requests during that period, though their share declined a few percentage points during that span.

Although online lenders are growing in popularity, banks are still tough competition. Banks have a long-standing reputation, a large customer base, and big budgets for technology, marketing and advertising.

Customers may be dissatisfied with the longer review/approval process at banks, but there is also dissatisfaction with high-interest rates charged by some online lenders. A visit to the Kabbage website shows that the company's loans include monthly fees ranging from 1.5% to 10%. Despite including a monthly fee, Kabbage says its loans are easy to understand, and it offers a tool to help borrowers compare options. It helps them review the loan's APR, as well as the total cost of capital.

While online lenders have proven that small business loans can be streamlined for efficiency and profitability with the right technology, it remains to be seen how things shake out during a period of economic distress.

Article originally appeared in "Main Street Monday,"
Coleman Report, 28081 Marguerite Pkwy.
#4525, Mission Viejo, CA 92690
bob@colemanreport.com

Upcoming Coleman Webinars

2019 Annual National Rural Lenders' Roundtable
Date: Wednesday, December 4, 2019

2020 SBA Secondary Market Summit
Date: Wednesday, January 8, 2020

 
 

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Fees in Leasing Explained
By Mr. Terry Winders, CLFP

In competing with another company, it may be more than rate that will win the deal. Quarterly interim rent, Evergreen clauses, Wintergreen Clauses, Purchase, Renewal, Return ("PRR") clauses, many hidden fees in the contract, and the residual not spelled out, may be the reasons the lease payment is lower than your quote.

One of the real increases in the lease yield comes from fees. To begin, there is the “documentation fee.” Usually this fee is not identified in the proposal, but just appears in the closing documents. If it is a large lease or a master lease, this documentation fee is usually presented.  If it is reasonable, there should be no problem, but if it is high, then it needs to be identified prior to the lease signing and spelled out; not hidden.

In the small ticket market place, there have been leasing companies who split the fee with the salesmen.  There are those that had contests weekly to see which salesman could collect the highest documentation fee. The price, the entire fee, plus recognition and perhaps even a free dinner or good bottle of wine.

During the course of the growth of leasing, there have been other fees, such as UCC fee, inspection fee, and miscellaneous fees for special equipment or vehicles. Often these fees match the bank’s charge for fees, or are inflated for additional profit.

One of the most important fees is a “commitment fee.” Usually it is part of the proposal that states when the proposal is signed, a fee is charged prior to the start of credit investigation, equipment studies, and documentation preparation. Usually these costs are spelled out. Most often they are lumped together.

It has been the practice in the past to use these fees as part of
the first and last advance payments, if the lessee goes through with the lease. If the lessee changes the decision and leases from someone else, the fee, is retained to offset the cost of preparing the lease.
 
We also have fees for credit investigation, equipment evaluation, and closing costs. Most of these fees are charged up front and are included in the second invoice or perhaps the first invoice if the amounts are known. Some lessors prefer to include these fees in the second invoice because the signer sees the first invoice, but the second invoice usually is only seen by the accounting department.  Or the point is the lease has been signed or decided upon, so often the lessee will not object that the fees were not covered in the original proposal.

During the lease term, we may have an inspection fee to cover the costs of visiting the equipment to make sure the lessee is maintaining the equipment, and it remains in the original location. A second inspection fee may be charged for verifying the new location.

An insurance fee is also charged should the lessee not provide insurance, or an insurance cancellation notice be received. Often there is a commission from the insurance company; some companies form their own insurance “syndicate.”  Some are located in the Bahama’s and other islands for tax purposes.

In older practices, and perhaps still available, life and disability insurance is required, and offered by the leasing company. There are inherent fees here.

To make sure the equipment is returned in proper condition, a return fee is included in the return section that may be assessed to pay for an industry expert to examine the returned equipment. This fee is subject to be assessed on equipment that needs a close inspection to determine its true condition. Equipment that does not need an inspection, the fee is not charged.

Some companies have a fee in the lease contract at the end of the lease payment for administrating the residual or end of lease (even if a $1.00).

Some companies have a return fee at the end of the lease; common in the copier industry.

Most often, these contract fees are not noticed by the signer, even in the large leases.

Fees can increase our yield, but it they are too aggressive, they will cause problems with the lessee, especially at the end, where once burned, they will not repeat business with you.

Fair fees for good purposes are acceptable, but if they are overdone, you stand the chance of not getting the customer to repeat business with you.

Lais-sez-faire.

(Terry retired a few years ago. He wrote for Leasing News for over 15 years. He worked for ELFA and others. He was a teacher, writer, as well as conducted lease training and provided consulting for banks and funders for 54 years, as well as being a broker, funder, and at one time, a bank officer.)

5G Myth Busting: Unpacking the Cybersecurity
Risks and Realities by Laurence Pitt, Security Week

(Smartphone tests find Verizon has 52.3M Mbps average download speed, 17.5 Mbps speed. 1,000 mbps in 1G. 5G is 300 Megabits per second)

When 5G was formally announced in 2018, it came with promises of changing the face of wireless connectivity – those promises are finally being realized. Around the world, wireless carriers are switching on functionality and, in both the U.S. and the UK, all major vendors have enabled it. But for now, 5G is only available in major urban areas, such as London, Edinburgh, New York and San Francisco. Though it is not generally available yet, it continues to be rolled out.

Most of the public visibility that 5G gets is from the consumer space – we all want to download funny/cute animal videos faster – but this is only one of many possible use cases. The full potential of 5G lies in enterprise adoption of this technology. Moving files, accessing applications and data in the cloud, electronic communication and more will all be possible at speed, without needing to find a Wi-Fi hotspot. Additionally, this means the rich analytics that can be gathered from these activities will feed machine learning technology that drives improvements and efficiencies to reduce costs, improve business outcomes and provide a better customer experience.

The benefits that enterprises and industries will realize from 5G are not entirely known and only starting to come to fruition. Remote offices could be fully connected using 5G technology, with no need for expensive fiber to be wired into a remote site. Better still, 5G will bring speed, performance and efficiency improvements. This has the potential to simplify site rollouts and reduce support costs, while providing a high-quality service. 5G will also drive innovation. For example, see this video of the Vodafone 5G connected crane, which can be operated from miles away. This gives us a preliminary glimpse of what’s possible. 

As with any technological innovation, there is considerable risk. Adoption of 5G not only exposes potential new attack surfaces, but given execution happens at super-speed, it also changes the required nature of any defense. A poorly designed application, producing large amounts of data and running across an exponentially growing number of different endpoints, creates a complex environment where security needs to be flexible, clear and enforceable. This is especially true at the edge of the network where the device density will be the greatest – potentially up to 1,000,000 connected devices per 0.38 square miles, compared to just 2,000 in the same area for 4G.

What can be done to better prepare for 5G, as it rolls out over the next year or two? For most enterprises, the security foundations will already be in place, having been considered due to recent high-profile attacks and breaches but also implementation of data-protection and governance regulations globally. This means that, as a collective, we are at a good starting point to consider 5G security. Here are some recommendations to guide enterprises, as 5G becomes a reality for all:

• Unify security policies to simplify and improve management of security. Not only will IT teams be managing security and non-security endpoints, along with physical, virtual and cloud-based workloads, but also a whole range of new endpoint types at the edge of the network that may or may not have embedded security. In order to maintain a strong posture in this complex environment, unified security policies will be essential. This approach allows for common based policies to provide security to all endpoints while enabling layered security policies that can apply different settings automatically, based on the type, status or location of an endpoint or workload.

• Ensure that data protection is in place. This is already top of mind for enterprises, due to the visibility driven by EU-GDPR. However, when looking at data protection, consider it as a competitive advantage or business benefit rather than a regulatory challenge. 5G means that more devices will be online, processing more data. Getting ahead with data protection at this stage will instill confidence in customers and employees, which over time can be a revenue-generating benefit.

• Design a zero-trust security model to effectively mitigate risk at the scale of a 5G network. At its core, a zero-trust model is based around access to data. As such, it requires every access request to be fully verified, validated and authenticated, each time a new request is made. This means that zero-trust models can recognize and allow a user to access data in their office, but also when they try to access the same data from a coffee shop or lounge. Therefore, entry can be changed or restricted.
5G is going to be a valuable business asset, providing new opportunities to do business on a truly ‘wherever and whenever’ basis. Despite new cybersecurity challenges, there are viable strategies for enterprises to mitigate these risks. The positive impacts from 5G adoption, when a strong security posture is also developed, can certainly outweigh the risks.

Laurence Pitt is Global Security Strategy Director at Juniper Networks. He joined Juniper in 2016 and is the security subject matter expert for the corporate marketing team. He has over twenty years of cyber security experience, having started out in systems design and moved through product management in areas from endpoint security to managed networks. In his role at Juniper, he articulates security clearly to business and across the business, creating and having conversations to provoke careful thought about process, policy and solutions. Security throughout the network is a key area where Juniper can help as business moves to the cloud and undertakes the challenge of digital transformation.

Assure the quality of your communication content…grammar, spelling, syntax, punctuation…hire an expert. Whether website content, business or technical writings, take advantage of over forty years executive writing, proofreading and editing in the EFL industry…with the reader’s time and comprehension in focus. Ralph P. Mango ralphmango@hotmail.com Associate Editor Leasing News, responsible for proofreading and editing each news edition, as well as contributing content.

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

Successful Fundraiser for
Chris Walker Education Fund

Chris Walker, CLP
(Photo: GreatAmerica Corporate Directory)

The Chris Walker Education Fund Committee, in conjunction with the National Equipment Finance Association (NEFA) are celebrating another successful fundraiser held during the recent NEFA Funding Symposium conference in Atlanta, GA. Sponsors and attendees gathered at the Park Bench piano bar in Atlanta for this ticketed event on Thursday, October 3rd, where they raised over $16,000.
 
This highly successful fundraiser ensures that the Chris Walker Education Fund (CWEF) will be able to continue offering grants to support education opportunities for professionals across the equipment leasing and finance industry in 2020. These grants support industry-related education certifications, such as the Certified Lease and Finance Professionals (CLFP) designation, education development initiatives for NEFA, and other educational endeavors.
 
Special thanks go out to all the attendees who made this such a great evening. Additional thanks go to the NEFA Executive Director Michael Toglia, as well as the NEFA board for their sustaining support of this and other educational fundraising initiatives for the Chris Walker Education Fund. The CWEF Board also thanks the generosity of all the sponsors, at every level, who helped make this fundraising event possible:

Gold Sponsors: Allegiant Partners Equipment Financing Dressler Peters, LLC ECS Financial Services Great America Finance Services Hanmi Bank IDS Asset Finance Technology LTi Technology Solutions Moritt, Hock & Hamroff The Alta Group Channel Partners Capital
 
 
Silver Sponsors: Boston Financial & Equity Corporation Frandzel Robins Bloom & Csato KLC Financial Oakmont Capital Services, LLC (OCS) Pawnee Leasing Corporation Securcor Financial Group Streamline Financial Services (SFS) Financial Pacific Leasing
 
Bronze Sponsors: 36th Street Capital KS State Bank, Baystone Government Finance Certified Lease & Finance Professional (CLFP) Wintrust Specialty Finance
 
 
About the Chris Walker Education Fund Education was always important to Chris Walker, as a NEFA Member and Member of NEFA's Board of Directors. When Chris passed away in 2011, many NEFA Members and other industry professionals wanted some way they
could make a donation to honor Chris and continue his great service to this industry. This resulted in the creation within NEFA of the Chris Walker Education Fund.
 
For more information, you can visit:  https://www.nefassociation.org/donations/fund.asp?id=10120
 
Chris Walker Education Fund Committee:
 
Randy Haug,  LTi Technology Solutions
 rhaug@ltisolutions.com
Chris Lerma, CLFP AP Equipment Financing clearma@apfinancing.com
Guy Selinka, CLFP Streamline Financial Services guy@streamlinefin.com
Hugh Swandel, Meridian OneCap Credit Corp. hugh.swandel@meridianonecap.ca
Stephanie Hall, CLFP Black River Business Capital stephanie@blackriverbc.com
Kayla Perlinger, CLFP Oakmont Capital Services, LLC kperlinger@oakmontfinance.com 
Kim King, National Equipment Finance Association (NEFA) kking@nefasso

Chris Walker Funeral Mass
http://leasingnews.org/archives/Nov2011/11_21.htm#walker

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

 

Labrador Retriever/Mix
Northbrook, Illinois  Adopt-a-Dog

Blade
HLIL-A-5862
Male
Age: 10Y/3M
40 lbs.
Location: Dog Kennel

If Heartland had a yearbook, Blade would definitely win "Best Smile"! Blade has this unique habit of smiling to show he's happy, and he can even do it with the command "Smile!" It's the cutest thing ever.

Blade is approximately 10 years old and weighs right around 40 pounds, perfect size for any household. Blade is very well leash-trained, and with his new harness on, he is very responsive to his walker's direction. Blade also knows his commands. He's so treat motivated, you can just hear him chomp, chomp, chomping as he sits or holds out a paw, which makes training even easier!

When Blade accepts you into his heart, all he wants is to smile for you, give kisses, and try to sit on your lap. Once he gets to know you, you will have a friend for life, as he musters his way into your lap with that toothy grin. He knows he deserves to be the center of attention. Come on in! Our yearbook "Senior" has a smile waiting for you!

Blade on You Tube:
https://youtu.be/hukK7XGbl30

More Photos:
https://www.heartlandanimalshelter.org/adoptable-dogs/#sl_embed&page=shelterluv_wrap_1523828356819%2Fpublish_animal%2FHLIL-A-5862%3Fspecies%3DDog%26intakeType%3D%26status%3D

Adoption Process:
https://www.heartlandanimalshelter.org/how-to-adopt/

Heartland Animal Shelter
2975 Milwaukee Avenue
Northbrook, IL 60062
847-296-6400
Text: 847-296-4198
info@heartlandanimalshelter.org

HOURS
Mon, Wed: Closed
Tues, Thur, Fri: 4–7 pm
Sat: 1–5 pm
Sun: 12–4 pm

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 The folks over at MSN Money have compiled an interesting list of the world's thirty most expensive buildings. The Saudis are well known for spending their petrodollars on everything from advanced military hardware to lavish construction projects and the kingdom is the sight of the world's most expensive building. Actually, it is the sight of the two most expensive buildings on the planet.

According to MSN Money, The Great Mosque of Mecca, also known as the Masjid al-Haram, is the most expensive building worldwide by a massive distance. Continual expansion projects added to its cost over the years and it is estimated that it has now cost $100 billion in today's money. The Abraj Al-Bait, also in Mecca, comes second with a cost of $16 billion. Singapore's spectacular Maina Bay Sands resort comes third with total costs of $6.2 billion.

By Niall McCarthy, Statista

https://www.statista.com/chart/19852/estimated-cost-of-the-most-expensive-buildings-on-the-planet/

News Briefs----

Apple Card users received $10 billion in credit
    from Goldman Sachs
https://www.businessinsider.com/apple-card-users-received-10-billion-from-goldman-sachs-2019-11 

Silicon Valley woman to pay $50 million for allegedly
   misappropriating $45 million from green card seekers
https://www.mercurynews.com/2019/11/05/silicon-valley-woman-to-pay-50-million-for-allegedly-misappropriating-45-million-from-green-card-seekers/

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You May Have Missed---

How to Get a Free Credit Score:
https://www.creditknocks.com/free-credit-score/

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American Football Poem
Football
By Louis Jenkins

I take the snap from the center, fake to the right, fade back...
I've got protection. I've got a receiver open downfield...
What the hell is this? This isn't a football; it's a shoe, a man's
brown leather oxford. A cousin to a football maybe, the same
skin, but not the same, a thing made for the earth, not the air.
I realize that this is a world where anything is possible and I
understand, also, that one often has to make do with what one
has. I have eaten pancakes, for instance, with that clear corn
syrup on them because there was no maple syrup and they
weren't very good. Well, anyway, this is different. (My man
downfield is waving his arms.) One has certain responsibilities,
one has to make choices. This isn't right and I'm not going
to throw it.

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Video: Raiders QB Derek Carr on game-winning touchdown
    pass to rookie Renfrow
https://www.mercurynews.com/2019/11/03/video-raiders-qb-derek-carr-on-game-winning-touchdown-pass-to-rookie-renfrow/

Jerry Rice says 49ers will win the Super Bowl
   despite killer second half schedule
https://www.mercurynews.com/2019/11/04/jerry-rice-says-49ers-will-win-the-super-bowl-despite-killer-second-half-schedule/

Jim Harbaugh has a new plan
  for the College Football Playoff: 11 teams
https://www.mlive.com/wolverines/2019/11/jim-harbaugh-has-a-new-plan-for-the-college-football-playoff-11-teams.html

Oakland’s effort to blend a ballpark
  and the port on the waterfront
https://www.sfchronicle.com/opinion/openforum/article/Oakland-s-effort-to-blend-a-ballpark-and-the-14806478.php

Raiders playing at home at last
https://www.pressdemocrat.com/sports/10252290-181/raiders-playing-at-home-at

Opinion: Panthers QB Cam Newton's NFL career
    could be at a crossroads
https://www.usatoday.com/story/sports/nfl/columnist/nate-davis/2019/11/05/cam-newton-carolina-panthers-2020-team-injury/4167162002/

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California Nuts Briefs---

Mayors of Sacramento, Elk Grove join coalition
   of California officials seeking ‘customer-owned’ PG&E
https://www.sacbee.com/news/california/article237025204.html?

Kincade Fire containment grows to 84%
   as residents put back the pieces
https://www.sfchronicle.com/california-wildfires/article/Kincade-Fire-containment-grows-to-84-as-14810692.php

Senior care housing planned in downtown San Jose
   A 75-unit project
https://www.eastbaytimes.com/2019/11/05/senior-homes-memory-care-center-planned-downtown-san-jose-google-transit-village/

California commercial Dungeness crab season may be delayed
https://www.sfchronicle.com/food/article/California-commercial-Dungeness-crab-season-may-14803644.php

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“Gimme that Wine”

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

Robert Parker Wine Advocate's Matter of Taste
  Returns to New York City 4th Edition on November 23
https://www.benzinga.com/pressreleases/19/11/a14720861/robert-parker-wine-advocates-matter-of-taste-returns-to-new-york-city-for-its-fourth-and-most-exci

Symington sees light at the end of ‘mechanical harvester trial’ tunnel
https://harpers.co.uk/news/fullstory.php/aid/26172/Symington_sees_light_at_the_end_of__91mechanical_harvester_trial_92_tunnel.html

Small winemakers pitch 'Save the Family Farms' to Napa supervisors
https://napavalleyregister.com/news/local/small-winemakers-pitch-save-the-family-farms-to-napa-supervisors/article_9147b39c-7073-597a-a90e-238171668641.html

Free Wine App
https://www.nataliemaclean.com/mobileapp/

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

This Day in History

     1528 - Shipwrecked Spanish conquistador Álvar Núñez Cabeza de Vaca was the first known European to set foot in what is now Texas.
    1789 - Pope Pius VI appointed Father John Carroll as the first Catholic bishop in the United States.
    1796 - The first presidential election was held in which more than one candidate declared for the Presidency.  John Adams received 71 electoral votes and was elected President, and Thomas Jefferson received 68 electoral votes and was elected Vice-President. In the elections of 1789 and 1793, George Washington was the only avowed Presidential candidate.
    1804 - The first presidential election was held in which more than one candidate declared for Vice-President. Prior to the adoption of the 12th Amendment to the constitution on September 25, 1804, the candidate for President receiving the highest number of votes became President, and the candidate receiving the second highest number became Vice-President. Thomas Jefferson and George Clinton were the candidates of the Democratic-Republican Party and Charles Cotesworth Pinckney and Rufus King the candidates of the Federalist Party.
    1832 – Joseph Smith III (d. 1914) was born in Kirtland, OH.  He was the first president of the Reorganized Church of Jesus Christ of Latter Day Saints and the son of Joseph Smith, the founder of Mormonism.    
    1850 - Yerba Buena and Angel Islands in San Francisco Bay are reserved for military use.
    1854 - Birthday of conductor/composer John Phillips Sousa (d. 1932), at Washington, DC.  Remembered for stirring marches such as "The Stars and Stripes Forever," "Semper Fidelis," "El Capitan."
    1860 - Former Illinois congressman Abraham Lincoln defeated three other candidates for President, a Republican victory over the divided Democrats. Hannibal Hamlin was elected Vice-President. The electoral vote was Lincoln, 180; John C. Breckinridge, southern Democrat, 72; John Bell, Constitutional Union candidate, 39; Stephen A. Douglas, Democrat, 12. The popular vote was Lincoln 1,866,252; Douglas 1,375,157; Breckinridge, 848,781; Bell, 589,581.
    1861 - Jefferson Davis was elected to a six year term as President of the Confederate States of America.
http://memory.loc.gov/ammem/today/nov06.html
    1861 - Birthday of James Naismith (d. 1939) at Almonte, Ontario, Canada.  Canadian physical educator, physician, chaplain, sports coach and innovator, he invented the sport of basketball in 1891, the year following his immigration to the US. He wrote the original basketball rules, founded the basketball program at the University of Kansas, and lived to see basketball adopted as an Olympic demonstration sport in 1904 and as an official event at the 1936 Summer Olympics in Berlin.  He also saw the birth of both the NIT (1938) and the NCAA’s Men’s Division I Basketball Championship (1939) The Naismith Memorial Basketball Hall of Fame is named in his honor and he was an inaugural inductee in 1959.
    1865 - CSS Shenandoah is the last Confederate combat unit to surrender after circumnavigating the globe on its cruise that sank or captured 37 vessels.
    1868 - Red Cloud, a chief of the Oglala Sioux, became the first Native American to win territorial concessions from the federal government. After years of leading successful assaults against U.S. forts in the Powder River area of Montana, Red Cloud signed a treat at Fort Laramie. The treaty provided for the abandonment of Forts Reno, Kearny, and C.F. Smith.
    1869 - The first intercollegiate football contest in the world was played at Rutgers Field, New Brunswick, NJ. Captain William Stryker Gummere ’70 of Princeton University (later Chief Justice of New Jersey) challenged Captain William James Leggett of Rutgers to a friendly game. Each team consisted of 25 men. The rules were that each goal constituted a game and that six games would decide the match, which lasted one hour. The first team to score six goals was Rutgers, while Princeton scored four.
    1885 – The US Mint at Carson City, NV was ordered closed.
    1887 – Walter Johnson (d. 1946) was born in Humboldt, KS.  Johnson was the dominant pitcher in the American League, for the Washington Senators (1907-27).  Nicknamed “Big Train” for the speed of his fastball, Johnson is the second-winningest pitcher in Major League history with 417, and had a career ERA of 2.17. In the decade of 1910-19, his ERA was 1.59!  For 55 years after his retirement, he was the MLB career strikeout leader with 3,508.  He had twelve 20-win seasons, including ten in a row, and he twice topped thirty wins.  Johnson's record includes 110 shutouts, the most in baseball history. Johnson had a 38–26 record in games decided by a 1–0 score; both his win total and his losses in these games are Major League records. Johnson also lost 65 games because his teams failed to score a run.  On September 4, 5 and 7, 1908, he shut out the New York Highlanders in three consecutive games.  Three times, Johnson won the triple crown for pitchers; twice won the AL MVP Award, a feat accomplished since by only two other pitchers, Carl Hubbel and Hal Newhouser.  He was among the Baseball Hall of Fame’s charter class in 1939.  Ty Cobb:  “first time I faced him, I watched him take that easy windup. And then something went past me that made me flinch. The thing just hissed with danger. We couldn't touch him. ... every one of us knew we'd met the most powerful arm ever turned loose in a ball park."
    1888 - Benjamin Harrison of Indiana won the presidential election, beating incumbent Grover Cleveland on electoral votes although Cleveland led in the popular vote. Cleveland basically sat at the White House, thinking he had the election in the bag. He came back next term to take the presidency back. Levi P. Morton was elected Vice-President. The electoral vote was Harrison, 233; President Grover Cleveland, the Democratic candidate, 168. The popular vote was Harrison 5,444,337; Cleveland 5,540,050; Clinton B. Fisk, Prohibition candidate, 250,125; Alson J. Streeter, Union Labor candidate, 146,897; Robert H. Cowdrey, United Labor candidate, 2808. In congressional elections, the Republicans kept their 38-37 majority in the Senate and gained 14 seats in the House to take a 166-159 majority.
    1888 - Birthday of John George Taylor Spink (d. 1962), at St. Louis, MO. Sports publisher who inherited management of “The Sporting News” upon the death of his father in 1914. He made the weekly newspaper into the “Bible of Baseball,” a trade paper of indispensable value to all those connected with the game. Spink was a baseball insider: his publication not only reported on what had happened, but also advocated what should happen.
    1900 - President McKinley was re-elected, beating Democrat William Jennings Bryan. Theodore Roosevelt, Republican of New York, was elected Vice-President. The electoral vote was McKinley, 292; Bryan, 155. The popular vote was McKinley, 7,219,530; Bryan 6,358,071; John G. Woolley of Illinois, Prohibition candidate, 209,166; Eugene V. Debs of Indiana, Social Democratic candidate, 94,768; Wharton Barker of Pennsylvania, middle-of the road Populist, 50,232. In congressional elections, both major parties gained Senate seats from the minor parties, the Republicans taking a 55-31 majority, with four seats held by minor
parties. In the House, the Republicans led 197-151, with nine seats held by minor parties.
    1902 - Birthday of singer Juanita Hall (d. 1968), Keyport, NJ.  She is remembered for her roles in the original stage and screen versions of the Rodgers and Hammerstein musicals “South Pacific” as Bloody Mary - a role that garnered her the Tony award – and “Flower Drum Song” as Auntie Liang.  In 1950, she became the first African-American to win a Tony for Best Supporting Actress for her role in “South Pacific.”
http://www.emusic.com/cd/10603/10603205.html
    1903 - Philippe Bunau-Varilla, as Panama's ambassador to the United States, signed the Hay-Bunau-Varilla Treaty. The document granted rights to the United States to build and indefinitely administer the Panama Canal Zone and its defenses. In 1999, the US returned control of the canal to Panama.
    1913 - Birthday of arranger/trumpet player Andy Gibson (d. 1961), born Albert Gibson, Zanesville, OH.
http://www.artistdirect.com/music/artist/bio/0,,435442,00.html?artist=
Andy+Gibson
    1916 - Bandleader Ray Conniff (d. 2002) birthday, born Joseph Raymond Conniff, Attleboro, MA.
    1917 – State of New York adopted a constitutional amendment giving women the right to vote in state elections.
    1921 - Piano player Jimmy Lyon (d. 1984) Birthday, Camden, NJ.  He accompanied singer Mabel Mercer for eight years and was noted as a performer of the music of Cole Porter, Jerome Kern, Richard Rodgers and other composers for the musical theater.
    1926 – Noted motivational sales guru Zig Ziglar was born Hilary Hinton Ziglar (d. 2012), Coffee County, AL.
    1928 - Herbert Hoover was elected President in a landslide Republican victory. Charles Curtis was elected Vice President. The electoral vote was Hoover, 444: Alfred E. Smith, Democratic candidate, 87. The popular vote was Hoover, 21,392,190; Smith, 15,016,443; Normal Thomas, Socialist candidate, 267,835; William Z. Foster, Workers’ Party candidate 48,228; Vern L. Reynolds, Prohibition candidate, 20,106; Frank E. Webb, Farmer Labor candidate, 6391. In congressional elections, the Republicans increased their majorities in both houses, leading in the Senate 56-39, with one seat going to a minor party, and controlling the House 267-167, with one seat held by a minor party.
    1928 - Jacob Schick (1877-1937) patented the first electric razor.  He started the Schick Dry Shaver, Inc. razor company.  Schick became a Canadian citizen in 1935 to avoid an investigation by the Joint Congressional Committee on Tax Evasion & Avoidance after he moved most of his wealth to a series of holding companies in the Bahamas.
http://iavbbs.com/gflinn/schick.htm
    1929 - Pianist Francy (Francois) Boland (d.  2005) birthday, Namur, Belgium.  Moving to the US, he began arranging for Basie, Goodman, Herman, and Gillespie and set up an octet with drummer Kenny Clarke before returning to Europe and becoming Kurt Edelhagen’s chief arranger.
http://www.jazzinbelgium.org/mus/boland.htm
http://jazzphotography.us/picsites/boland01.htm
http://www.allaboutjazz.com/reviews/r1002_062.htm
http://www.pricegrabber.com/search_getprod.php/masterid=535362401/
ut=0cea047573c75653
    1931 – Director Mike Nichols (d. 2014) was born in Germany.  He directed the 1967 classic “The Graduate” as well as the adaptation of Joseph Heller’s novel “Catch-22.” He also directed the mini-series “Angels in America” and the films “The Birdcage” and “Who's Afraid of Virginia Woolf?”  His third cousin twice removed is Albert Einstein.
    1934 - The first professional football game in which 10 touchdowns were scored took place at Temple Stadium, Philadelphia, PA, when the Philadelphia Eagles defeated the Cincinnati Reds 64-0. Three touchdowns each were made by Homer “Swede” Hanson and Joseph Carter and one each by Edward Matesic, Edward Storm, Marvin Ellstrom, and Roger “Red” Kirkman.
    1935 - Benny Goodman begins engagement at Congress Hotel, Chicago. Original one-month contract extended six months, ending May 23, 1936.
    1935 - Edwin H. Armstrong (1890-1954) announced his development of FM broadcasting. He has been called "the most prolific and influential inventor in radio history".  He invented the regenerative circuit while he was an undergraduate and patented it in 1914, followed by the super-regenerative circuit in 1922, and the superheterodyne receiver in 1918.
    1936 - Woody Herman’s new band first records, Decca.
    1938 – The DiMaggio brothers – Vince, Joe and Dom - played together for the first time, at a charity all-star baseball game.
    1944 – Plutonium was first produced at the Hanford, WA nuclear facility and subsequently used in the Fat Man atomic bomb dropped on Nagasaki, Japan.
    1945 - Ensign Jake C. West in an FR-1 Fireball on the escort aircraft carrier “Wake Island” off San Diego, CA, made the first jet-propelled landing on an aircraft carrier. The Fireball, a Ryan-built Navy fighter plane, was powered by both turbojet and a conventional reciprocating engine, and normally used its reciprocating power plant for takeoff and landing, switching over to the jet as either an exclusive or a supplementary propulsive force once it was in the air. As West was landing, the reciprocating engine power failed, and he landed using jet power.
    1945 - Top Hits
“Till the End of Time” - Perry Como
“I’ll Buy that Dream” - The Pied Pipers
“That’s for Me” - Dick Haymes
“With Tears in My Eyes” - Wesley Tuttle
    1947 - “Meet the Press” premiers on TV. "Meet the Press" holds the distinction of being the oldest program on TV. The show has changed its format little since it began: a well-known guest (usually a politician) is questioned on current, relevant issues by a panel of journalists. The moderators throughout the years have included Martha Rountree, Lawrence E. Spivak, Ned Brooks, Bill Monroe, Marvin Kalb, Chris Wallace, Garrick Utley, Tim Russert, Tom Brokaw, David Gregory, and currently, Chuck Todd.
    1948 - Glenn Frey (d. 2016) of the Eagles was born in Detroit. Frey plays guitar, piano and keyboards and sang lead vocals on many Eagles hits such as "Take It Easy", "Peaceful Easy Feeling", "Tequila Sunrise", "Already Gone", "Lyin’ Eyes", "New Kid in Town", and "Heartache Tonight". He has two solo hits that reach No. 2 on Billboard's Hot 100: "The Heat Is On" and "You Belong to the City."
    1948 - No. 1 Billboard Pop Hit: "Buttons and Bows," Dinah Shore.
    1949 - Trumpet player Arturo Sandoval born Havana, Cuba
http://www.panplayers.com/panpage1.htm
http://www.vervemusicgroup.com/artist.aspx?aid=2727
http://www.arturosandoval.com/Biography.asp
    1950 - *REEM, ROBERT DALE, Medal of Honor
Rank and organization: Second Lieutenant, U.S. Marine Corps, Company H, 3d Battalion, 7th Marines, 1st Marine Division (Rein.). Place and date: Vicinity Chinhung-ni, Korea, 6 November 1950. Entered service at: Elizabethtown, Pa. Born: 20 October 1925, Lancaster, Pa. Citation: For conspicuous gallantry and intrepidity at the risk of his life above and beyond the call of duty as a platoon commander in Company H, in action against enemy aggressor forces. Grimly determined to dislodge a group of heavy enemy infantry units occupying well-concealed and strongly fortified positions on commanding ground overlooking unprotected terrain, 2d Lt. Reem moved slowly forward up the side of the ridge with his platoon in the face of a veritable hail of shattering hostile machine gun, grenade, and rifle fire. Three times repulsed by a resolute enemy force in achieving his objective, and pinned down by the continuing fury of hostile fire, he rallied and regrouped the heroic men in his depleted and disorganized platoon in preparation for a fourth attack. Issuing last-minute orders to his noncommissioned officers when an enemy grenade landed in a depression of the rocky ground in which the group was standing, 2d Lt. Reem unhesitatingly chose to sacrifice himself and, springing upon the deadly missile, absorbed the full impact of the explosion in his body, thus protecting others from serious injury and possible death. Stouthearted and indomitable, he readily yielded his own chance of survival that his subordinate leaders might live to carry on the fight against a fanatic enemy. His superb courage, cool decisiveness, and valiant spirit of self-sacrifice in the face of certain death reflect the highest credit upon 2d Lt. Reem and the U.S. Naval Service. He gallantly gave his life for his country.
    1951 - Record snowfalls from the Texas panhandle to the Lower Great Lakes left record totals of 12.5 inches at Saint Louis, MO, and 14.1 inches at Springfield, MO. Other heavier snowfall totals included 20 inches at Nevada, MO, 13.5 inches at Sedan, KS, 13 inches at Decatur, IL, and 10 inches at Alva, OK. In the Saint Louis area, up to 20 inches was reported in Washington County.
    1953 - Top Hits
“Vaya Con Dios” - Les Paul & Mary Ford
“You, You, You” - The Ames Brothers
“Ebb Tide” - The Frank Chacksfield Orchestra
“I Forgot More Than You’ll Ever Know” - The Davis Sisters
    1953 - An intense east coast storm dumped 27 inches of snow in the Pennsylvania mountains, 11 inches in Harrisburg, 8 inches in Philadelphia, 4 inches in Washington, D.C. and 3 at Richmond, VA. Winds gusted to 98 mph at Block Island, RI.
    1955 - Maria Owings Shriver birthday, Chicago, IL.  Former broadcast journalist ("Today"), former wife of former Governor of California, Arnold Schwarzenegger, Kennedy niece as she is the daughter of R. Sargent Shriver who married one of the Kennedy sisters.
    1956 - President Eisenhower was re-elected, beating Democrat Adlai E. Stevenson in a landslide. Eisenhower was the first Republican president to win reelection since William McKinley in 1900. Although Eisenhower carried 41 states, the Democrats retained control of both houses of Congress. The electoral vote was 457-74. The popular vote was Eisenhower, 35,387,015: Stevenson, 25,875,408. In congressional elections, the Democrats gained one Senate seat for a 49-47 majority. In the House, they gained one seat for a 233-200 majority.
    1956 - Allied forces took control of the Suez Canal with British and French parachute troops holding the Mediterranean key to the Suez Canal at Port Said.
    1959 - James Darren launched a second career as a singer when "Goodbye Cruel World" entered the Billboard chart, where it would reach #3.
    1961 - Strong Santa Ana winds fanned the flames of the Bel Air/Brentwood fires in southern California, destroying many homes. Burbank reported a relative humidity of three percent.
    1961 - Top Hits
“Big Bad John” - Jimmy Dean
“Fool #1” - Brenda Lee
“This Time” - Troy Shondell
“Walk on By” - Leroy Van Dyke
    1961 - Jimmy Dean's "Big, Bad John" becomes the 100th US number one single of the Rock and Roll era. It would prove to be his only chart topper, although he would have another top ten record with "P.T. 109" the next year. Jimmy wrote the song in an hour and a half, while flying to Nashville for a recording session.
    1962 - The first President with a brother in the Senate was John Fitzgerald Kennedy, whose brother Edward Moore Kennedy was elected to fill his unexpired term as senator from Massachusetts after he was elected President. 
    1965 - The Animals' "It's My Life" is released.
    1965 - Bill Graham, who will become one of rock's most powerful entrepreneurs, produces his first rock concert at the Fillmore Auditorium in San Francisco. The show features the Grateful Dead, Jefferson Airplane and the Charlatans.
    1965 - Cuba and the United States agree to start an airlift for Cubans who wish to live in the United States.
    1967 - “The Phil Donahue Show” premiered on TV. The forerunner of Oprah, Jerry, Montel, etc., this first talk show with audience participation went on the air at Dayton, OH. The first guest interviewed by host Phil Donahue was atheist Madelyn Murray O’Hair. In 1980, the program went national: it moved to Chicago in 1974 and to New York in 1985. In later years, the program was titled, “Donahue.” After winning 19 Emmys Awards, the show left daytime TV in 1996. In 2002, he returned to the airways, but in the age of “realism” and “survival,” and loyal followings for other popular talk shows, the show flopped. His fans had moved on.
    1968 - Richard Nixon was elected 37th President, defeating Hubert Humphrey.  The Democrats went through a grueling primary campaign. Eugene McCarthy, an early opponent of the war in Vietnam, almost upset President Johnson in the New Hampshire primary. This convinced Johnson not to run for re-election. At that point, Vice President Humphrey announced his candidacy for the nomination. A primary battle followed, with Robert Kennedy pulling into the lead until his assassination, and Humphrey was able to sew up the nomination. He was nominated on the first ballot at a tumultuous convention in Chicago. The rioting and the police actions outside the convention hall dominated the news coverage and did not get the Humphrey campaign off to a good start. Nixon began the campaign as the front runner, with a clear lead. He campaigned against rising crime and claimed he would restore "law and order." Nixon also instituted the Southern policy, taking advantage of Southern voters’ resentments at civil rights legislation passed by the Johnson administration.  It successful received support from what had been a solidly democratic south. Toward the end of the campaign as Humphrey became more critical of Johnson's handling of the war, the lead narrowed. It did not narrow enough to stop a Nixon victory however.
    1968 - First day of San Francisco State College strike.  In 1968–69, there was a bitter student and Black Panthers strike at San Francisco State University in order to establish an ethnic studies program. It was a major news event at the time and chapter in the radical history of the US and the Bay Area. The strike was led by the Third World Liberation Front supported by Students for a Democratic Society, the Black Panthers and the countercultural community.  It proposed fifteen "non-negotiable demands," including a Black Studies department chaired by sociologist Nathan Hale independent of the university administration and open admission to all black students to "put an end to racism," and the unconditional, immediate end to the Vietnam War and the university's involvement. It was threatened that if these demands were not immediately and completely satisfied, the entire campus was to be forcibly shut down.  SFSU President S. I. Hayakawa became popular with conservative voters in this period after he pulled the wires out from the loud speakers on a protesters' van at an outdoor rally.  Hayakawa relented on December 6, 1968, and created the first-in-the-nation College of Ethnic Studies.
    1968 – Jerry Yang was born in Taipei, Taiwan.  The Co-Founder and CEO of Yahoo!  He and David Filo created in it 1994 while he was studying at Stanford University.  The original name was "Jerry's Guide to the World Wide Web", later renamed Yahoo!. At its height, it was one of the most popular sites in the United States.  According to third-party web analytics providers, Yahoo! was the highest-read news and media website, with over 7 billion views per month, being the sixth most visited website globally in 2016.  According to news sources, roughly 700 million people visited Yahoo websites every month.  Yahoo itself claimed it attracted "more than half a billion consumers every month in more than 30 languages."  Once the most popular website in the U.S., Yahoo slowly started to decline since the late 2000s, and in 2017, Verizon Communications acquired most of Yahoo's Internet business for $4.48 billion, excluding its stakes in Alibaba Group and Yahoo! Japan which were transferred to Yahoo's successor company, Altaba.
    1969 - Top Hits
“Suspicious Minds” - Elvis Presley
“Wedding Bell Blues” - The 5th Dimension
“Baby It’s You” - Smith
“The Ways to Love a Man” - Tammy Wynette
    1969 – Denny McLain of the Detroit Tigers and Mike Cuellar of the Baltimore Orioles finished dead even for the AL Cy Young Award and share the title. McLain posted a record 24-9 record with 181 strikeouts and a 2.80 ERA, while Cuellar was 23-11, 182, 2.38.
    1971 - The Atomic Energy Commission tested the largest U.S. underground hydrogen bomb, code-named Cannikin, in the Aleutian Islands off Alaska.   
    1972 - Deep Purple's "Machine Head" LP goes gold.
    1973 - Coleman Young elected mayor of Detroit, becoming one of the first of two Black mayors of city with over a million citizens.
http://www.e-portals.org/Young/young.htm
http://www.is.wayne.edu/mnissani/elephant/young.htm
http://www.cnn.com/US/9711/29/young.obit.pm/
    1973 - Thomas Bradley elected mayor of Los Angeles at a time when Blacks represented only 15% of the LA electorate, becoming one of the first two Black mayors of city with over a million citizens. http://www.rootsweb.com/~txrober2/TOMBRADLEY.htm
http://www.sfgate.com/cgi-bin/article.cgi?file=/chronicle/archive/
1998/09/30/MN27383.DTL
    1974 – Mike Marshall of the Dodgers became the first reliever to win a Cy Young Award, taking honors for the National League.  Marshall set Major League records with 106 appearances and 208 innings pitched in these days before the concept of closer.  By comparison, there are many starters today that do not pitch 200 innings.
    1975 - “Good Morning, America” premiered on TV. This ABC morning program, set in a living room, is a mixture of news reports, features and interviews with newsmakers and people of interest. It was the first program to compete with NBC's "Today" show and initially aired as "A.M. America." Hosts have included David Hartman, Nancy Dussault, Sandy Hill, Charles Gibson, Joan Lunden, Lisa McRee, Kevin Newman and Diane Sawyer.
    1976 – Pat Tillman (d. 2004) was born in Fremont, CA.  He left a 4-year NFL career to join the Army Rangers, leaving behind a nearly $4 million contract with the Arizona Cardinals.  He served several tours in combat before he died in the mountains of Afghanistan. At first, the Army reported that Tillman had been killed by enemy fire. Controversy ensued when a month later, on May 28, 2004, the Pentagon notified the Tillman family that he had died as a result of friendly fire; the family and other critics allege that the Defense Department delayed the disclosure for weeks after Tillman's memorial service out of a desire to protect the image of the U.S. armed forces.  Tillman was the first professional football player to be killed in combat since Bob Kalsu, who died in the Vietnam War in 1970. Tillman was posthumously awarded the Silver Star and Purple Heart medals.
    1977 - Top Hits
“You Light Up My Life” - Debby Boone
“Nobody Does It Better” - Carly Simon
“Boogie Nights” - Heatwave
“I’m Just a Country Boy” - Don Williams
    1980 - The Chinese government praised President-elect Ronald Reagan, calling him “moderate” and “pragmatic.” China was also pleased with the fact that Ronald Reagan wants to be superior in military strength to the Soviet Union. The People’s Republic of China also was happy that Reagan was pushing for a more powerful international image. At the same time, Reagan was recognized by this country for a stronger economy at home.
    1980 - After the death of drummer John Bonham, the remaining members of Led Zeppelin meet on the island of Jersey in the Channel Islands, along with manager Peter Grant, to decide what to do next. All four men agree the band would simply not be the same without Bonham, and decide to split up.   
    1982 - The Oscar-winning song from the movie “An Officer and a Gentleman,” "Up Where We Belong" by Joe Cocker and Jennifer Warnes, lead the US hit parade. Although their contrasting styles complimented each other perfectly, the singers had never met each other until the day they recorded the song.
    1984 - Madeline M. Kunin, by a margin of 4,000 votes is elected governor of Vermont. Arlene Violet, a former Roman Catholic nun, becomes the first woman to be elected Attorney General of Rhode Island.
http://www.ed.gov/offices/ODS/kunin.html
http://www.amazon.com/exec/obidos/tg/detail/-/0517178605/qid=1068005260/sr=
1-1/ref=sr_1_1/104-6431180-5019133?v=glance&s=books
    1984 - President Ronald Reagan was re-elected. President Reagan faced no opposition to his re-nomination as the Republican nomination for President. Senator Walter Mondale, Jimmy Carter's Vice President was the front runner throughout the election campaign. His most serious opposition was Senator Gary Hart of Colorado, who ran on a theme of new ideas. A photograph with the married man on a boat named “Monkey Business” with Donna Rice threw him out of the race. On the personal level, Reagan won his debates with Mondale by using humor to successfully parry one of Mondale criticisms- that he was too old, by stating during the debate that he would not use age as issue- he would not criticize Mondale's youth and inexperience. Reagan won the election with an 18-point margin.
    1985 - Top Hits
“Part-Time Lover” - Stevie Wonder
“Miami Vice Theme” - Jan Hammer
“Head over Heels” - Tears For Fears
“Some Fools Never Learn” - Steve Wariner
    1986 - For the fall 1988 season, WOR-TV in Secaucus, New Jersey paid $182,000 per episode of "The Cosby Show." The price was a record for a syndicated show, beating previous marks of $80,000 per show for "Cheers."
    1986 - Seattle wide receiver Steve Largent catches a pass in his 128th straight game, breaking the NFL record for most consecutive games with a reception.
    1986 - Former Navy radioman John A. Walker Jr., was sentenced in Baltimore to life imprisonment. Walker had admitted to being the head of a family spy ring.
    1986 - U.S. intelligence sources confirmed a story run by the Lebanese magazine Ash Shiraa that reported the U.S. had been secretly selling arms to Iran in an effort to secure the release of seven American hostages.
    1987 - High winds in the northeastern U.S., turning a recent warm spell into a distant memory, gusted to 63 mph at Rhode Island. Squalls resulting from the high winds produced five inches of snow at Marquette, MI and seven inches at Rome, NY. A storm in the southwestern U.S. brought heavy snow to some of the higher elevations of Arizona, Colorado and Utah.
    1988 - A powerful storm in the northern Great Lakes drops 2 feet of snow along the shore of Lake Superior and 3 feet in the Porcupine Mountains of Upper Michigan. Marquette established a November record with 17.3 inches in 24 hours.
    1989 - Unseasonably warm weather prevailed in the south central and southeastern U.S. Nine cities from Florida to Oklahoma and Texas reported record high temperatures for the date as readings warmed into the 80s. The high of 89 degrees at the Dallas/Fort Worth Airport in Texas equaled their record for November.
    1989 - In the hopes of freeing US hostages held in Iran, the US announced that it would unfreeze $567 million in Iranian assets that had been held since 1979.
    1993 - Meat Loaf had the number one song in the US with "I'd Do Anything for Love (But I Won't Do That)." It was the first we'd heard from him since his giant hit album, "Bat Out Of Hell" in 1977.
    1995 - Art Modell (1925-2012), the owner of the Cleveland Browns, announced plans to move the team to Baltimore.  He purchased the Browns in 1961 for $4 million, investing $250,000 of his own money.  Unlike the Browns' previous owners, Modell immediately took an active role in the management of the team, and fired legendary coach Paul Brown on January 9, 1963.  By the 1990s, Modell was disturbed at what he saw as the financial distress of the Browns and the Stadium Corp.  The City of Cleveland’s litigation and failure to build a new stadium, as they did for the baseball Indians, motivated Modell to look elsewhere, finding Baltimore in the process.  Recall that Baltimore lost its beloved Colts in the middle of the night when new owner Robert Irsay took them to Indianapolis.  The Browns became the Baltimore Ravens for the 1996 season.  Modell's ownership of the Ravens resulted in continual financial hardships, and the NFL stepped in and directed Modell to sell his franchise. In 2003, Modell sold the Ravens to minority owner, Maryland businessman Steve Bisciotti, still the owner.
    1996 – Michael Jordan scored 50 points in a game for the 29th time in his career.
    2002 - Citing Dusty Baker's reluctance to stay with the organization, an unhappy general manager Brian Sabean announces the Giant skipper of the last 10 years will not be back to manage in San Francisco next season. The NL pennant-winning skipper joins the Chicago Cubs, but after a losing season in 2006, is also let go.  Baker went on to manage the Cincinnati Reds (2008-13). He was then hired to manage the Washington Nationals beginning in 2016. On October 20, 2017, the Nationals announced that Baker would not return as the team's manager in 2018.
    2002 - New U.S.-Iraq resolutions were made. Concern arose about whether or not new negotiations between these two countries would upset Saddam Hussein, which would lead to war.
    2005 - A powerful F3 tornado struck Evansville, IN, taking the lives of 25 people and making it one of the deadliest single tornadoes on record. The tornado stayed on the ground for 41 miles and in places was as wide as 400 yards, causing extensive damage to parts of Evansville, Newburgh, and Boonville.
    2005 - The Four Seasons musical “Jersey Boys” opens on Broadway to rave reviews.  With music by Bob Gaudio, lyrics by Bob Crewe, and the book by Marshall Brickman and Rick Elice, “Jersey Boys” won four 2006 Tony Awards including Best Musical, and the 2009 Laurence Olivier Award for Best New Musical.  The film adaptation in 2014 was produced and directed by Clint Eastwood.
    2011 - In Washington, D.C., thousands protested the proposed Keystone XL pipeline project, which would carry Alberta oil sands crude through six U.S. states to Gulf Coast refineries.
    2012 - President Barack Obama was re-elected, defeating Republican opponent, Governor Mitt Romney.
    2014 – Recognizing shifting viewing trends, particularly among Millennials, CBS is moving to web-based programming by starting a 24-hour news streaming site, offering web access to its network for a monthly fee, and partnering with Sony to provide programs for a web-based TV service.