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

Allegiant Partners Acquired by Tokyo Century
Chris Enbom, Founder/CEO, Says he is “Very Excited”

Tokyo Century (USA) Inc. is pleased to announce that it has acquired 100% of the capital stock of Allegiant Partners Incorporated DBA AP Equipment Financing, an independent specialty finance and leasing company based in Bend, Oregon.

Allegiant has a strong presence in the western U.S. with a market focus on light and medium-duty trucks, tree and arbor equipment, and other niche industries. Founded in 1998, Allegiant’s team has in-depth knowledge of the industries it serves and the special-purpose vehicles and equipment used by its customers. Combining an effective marketing platform with an extensive customer database, a digital platform, and industry expertise, Allegiant provides quick-turn, high value-added financial services to its 3,000+ customers across the United States.  

Tokyo Century, based in Purchase, NY, has core strengths in small and medium-ticket lending for vocational vehicles and material handling equipment. Tokyo Century and Allegiant have been working collaboratively since 2002. 

Chris Enbom, founder and CEO of Allegiant Partner, declared,” “I am very excited about our partnership with Tokyo Century.  I did my first transaction with them in the early 1990s, and have always admired their culture and work ethic.  Allegiant will be able to leverage the resources of a much larger company, and Tokyo Century will gain a high-technology, small-ticket platform in the United States that complements its businesses.

 “Allegiant will continue to operate independently as a separate subsidiary of Tokyo Century, keeping the same high level of service to its customers.”

One of the many opportunities foreseen by management of the combined companies is “last-mile” package delivery in the U.S., a sector whose growth is expected to continue in line with the expanding E-commerce market. The formalized alliance announced today will drive expansion of these companies in this and other segments. Tokyo Century’s relationships with Japanese manufacturers will seed growth of vendor-finance opportunities across the expanded organization, and Allegiant’s expertise in the area of service standards and marketing/sales capabilities will be key to enabling and enhancing growth. Together, Tokyo Century/Allegiant will focus on continued enhancement of U.S. operations, doing so with a focus on growing their unique market presences by leveraging the respective strengths and business know-how of each organization.

Tiger Ogawa, President of Tokyo Century expressed delight with the combination. “Both culturally and synergistically, this combination is a home run. Chris Enbom and I have done business together for many years. We know the passion that his team brings to the office day in and day out. I could not be more pleased with this acquisition and the prospect of working together with the Allegiant team on a daily basis. Our headquarters in Tokyo is equally pleased with this development, and we look forward to making the most of this fantastic growth opportunity.”

 

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Marlin Capital Solutions
Open This Friday!

Marlin will be open normal business hours on Friday, November 29. So whether you're planning to crush your sales goals, snag a great deal — or both — We'll be here to help.

Partners/Dealers Reps
(888) 479-9111
Investor Relations
(877) 864-6756
Customer Care Representatives
(888) 236-2409

brokerservices@marlincapitalsolutions.com

https://marlincapitalsolutions.com/

 

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New Hires/Promotions in the Leasing Business
and Related Industries

Debra Barger was hired as Office Manager/Funding Coordinator, Fidelity Capital Partners, Irvine, California. Previously, she was Transaction Auditor, California First National Bank (March, 1999 - October, 2019).  Education: University of Northern Colorado. Bachelor's degree. https://www.linkedin.com/in/debrabarger/

William "Bill" Bogatay was hired as Senior Vice President, Business Development Officer, MidFirst Business Credit, Atlanta, Georgia. Based in Dallas, Texas, he "…will assist with originating senior secured debt facilities for companies throughout the Southwest, including, Texas, Oklahoma, Louisiana, Arkansas and Kansas.” Previously, he was Managing Director, Sterling National Bank (March, 2019 - October, 2019); Southwest Regional Manager, Woodforest Specialty Finance Group (April, 2016 - February, 2019); Senior Vice President, Bank of America (October, 2010 - August, 2014). Prior to that, he worked in senior level positions at Bank of America, GMAC, PNC and Wells Fargo. https://www.linkedin.com/in/william-bogatay-3a753421/

Joel Gray was hired by Bank of America as Vice President, Small Business Banker, New York City, New York.  Previously, he was Account Executive, LEAF Commercial Capital, Inc. (February, 2015 - November, 2019); Account Executive, Balboa Capital (June, 2014 - January, 2015).  Education: Fordham Gabelli School of Business. Master of Business Administration, MBA (2017 - 2020). Arizona State University. Bachelor of Science (BS), Communication, General (2012 - 2014). Activities and Societies: Alpha Epsilon Pi, Hillel. California State University, Fullerton. Public Administration (2010 - 2012). Activities and Societies: Alpha Epsilon Pi, Hillel. Marina High School, Diploma (2006 - 2010). https://www.linkedin.com/in/joel-gary-a18a1479/

Mike Heil was hired as Senior Vice President, Commercial Lending, Fidelity Bank, Minnesota. “He will be responsible for supervising and motivating the lending team to grow Fidelity Bank’s commercial portfolio” Previously, he was at Wells Fargo, starting 1996, Regional Sales Manager; promoted SVP, Senior Sales Manager, Healthcare Group, Wells Fargo Equipment Finance, August, 2013.  Education: University of Minnesota. Carlson School of Management (1989 - 1991). https://www.linkedin.com/in/mike-heil-b855378/

Stephanie Koveleski was promoted to Assistant Vice President, North Mill Capital, Salt Lake City, Utah.  She is based out of the Princeton, New Jersey Office. She joined the firm 2018 as Account Executive. "She worked at another commercial finance company (and) holds a bachelor’s degree from Temple University."

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Help Wanted

 

 

"Broad Shoulders" Happy Thanksgiving Message
From Scott Wheeler, CLFP

Professionals in the finance and leasing industry have many to thank for our success. We stand upon the shoulders of others so that we may see opportunity and capture success.  It is those who support us that allow true professionals to shine and prosper.  Exceptional personal performance is a result of leadership, knowledge, perseverance, and humility. We become successful because of our personal efforts, our ability and willingness to learn, and our willingness to serve others. This Thanksgiving week let's not forget those that have come before us, who continue to support our efforts, and who make us shine.

• Parents who encourage us to succeed
• A college professor who inspired us to learn
• The first boss who took us under their wing
• A loving spouse who gives us confidence
• A mentor who instills integrity and direction
• A child who teaches us "WHY"
• A staff member who goes the extra mile
• A best friend who lends an ear and shoulder
• A customer who confirms the power of value over price
• Our professional teams that celebrate success
• A stranger who asks for our help.

We are truly blessed. Give thanks to those who have supported you by giving to those who need support.  Provide your broad shoulders so that others may see the opportunity and capture their success. The greatest gift is the ability and willingness to "GIVE."
 
Happy Thanksgiving  

Scott Wheeler, CLFP
Wheeler Business Consulting
scott@wheelerbusinessconsulting.com

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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Ed Kaye to Return to Work
Thanksgiving Message

Edward P. Kaye
Access Commercial Capital, LLC

Dear Friends, Colleagues, and Family:

Happy, healthy, Thanksgiving to you and your families! I have a lot to be thankful for this year and by way of this email and providing some good news about my progress and a final update. 
First and foremost, thank you for the abundance of calls, emails, texts, cards, and prayers during my recovery. It was overwhelming and it truly lifted my spirits and helped me get through some difficult times. I was blessed to have the support of my family, my employer, my coworkers, and dear friends who consistently went above and beyond in helping and caring for me. Clearly, their support was invaluable.

I’ve made strong strides since my surgery seven weeks ago and a near full recovery and am pleased to report that I am returning to work after Thanksgiving. I’ve had a lot of time to read, to think, and to reflect, and I’m energized and invigorated to get back to work and to make a difference.

I look forward to reconnecting with many of you over the next several weeks and wish you all good health and happiness this holiday season. 

With every good wish, 
Ed
edk9715@aol.com

 

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Michael Bloomberg’s announcement on Sunday that he would run for the Democratic nomination for president didn’t come as much of a surprise. That makes the sheer size of Bloomberg’s fortune opposite that of other 2020 candidates and the amount of money their campaigns have so far collected no less staggering.

Bloomberg, who with a fortune of more than $53 billion is one of the richest people in the world, said he would not accept any donations to his campaign – and one can see why. The entire 2020 field has so far only managed to collect around $600 million, an amount that might seem like petty cash to the former mayor of New York City.

As far as personal fortunes go – which might or might not be put towards the financing of campaigns – the 2020 field also does not have much on Bloomberg. All major candidates have a combined net worth of approximately $5 billion. Donald Trump’s estimated fortune of $3.1 billion making up more than 60 percent of that.

By Katharina Buchholz, Statista

https://www.statista.com/chart/20085/bloomberg-and-2020-candidates-net-worth-donations/

 

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

TAB Bank Completes $46 Million Acquisition
of BAMFi’s BAM Capital Division

TAB Bank is pleased to announce it has finalized the acquisition of BAMFi’s $46 million BAM Capital Division. This is TAB Bank’s fourth successful completed acquisition of a working capital loan portfolio. As part of the acquisition TAB will retain the operations and staff at BAM’s office in Dallas, TX.

BAMFi, a leading provider of software for the secured lending industry, will continue to own FactorCloud™, its proprietary, all-in-one, cloud-based secured lending software solution. 

Curtis Sutherland, Senior Vice President at TAB Bank, said, “This is a great acquisition for TAB Bank, and we are very excited to welcome BAM’s customers. These new customers represent a wide range of industries including transportation, transportation brokerages, staffing, oil & gas, manufacturing, and distribution. We are also very pleased to welcome BAM’s staff in Dallas to our team. 

“This is a great opportunity for us to expand our footprint in Texas through the Dallas/Ft. Worth market. We have a long history of providing working capital solutions and support to small to medium-sized businesses and we are thrilled to extend our offerings to our new clients.

“In addition to our focus on providing working capital lines of credit, we are excited to offer BAM’s customers a full suite of business banking solutions and Treasury Management Services, which will allow them greater flexibility, efficiency, and cost-savings in managing their capital.”

Terms were not disclosed.  To learn more about TAB’s acquisition of the BAM Capital Division of BAMFi or to discuss other similar acquisition opportunities, please contact TAB’s Senior Vice President, Curtis Sutherland (801-389-4967, curtis.sutherland@tabbank.com).

About TAB Bank

Founded in 1998, TAB Bank was originally established to provide financial products and services to the trucking industry.  Today, TAB Bank offers custom working capital solutions to commercial businesses from many industries.  These solutions are provided in all stages of business life cycles during any economic conditions.  TAB Bank does this through Asset Based Loans, Accounts Receivable Financing, Factoring, Lines of Credit, and Equipment Finance.  TAB’s lending options can also be combined with a full suite of business banking solutions and Treasury Management Services.

About BAMFi

BAMFi has been a leading provider of cash management and working capital solutions for transportation, construction, oil and gas, and temporary staffing service providers, committed to helping their clients increase their financial performance through operational efficiency.  The company was recently named #121 on the 2019 Inc. 5000 fastest-growing companies list.

BAMFi is now solely focused on its proprietary, all-in-one, cloud-based secured lending software solution, FactorCloud (fka BAMwire™).  FactorCloud allows factoring companies, asset-based lenders, and banks to reduce costs, increase efficiencies, reduce errors, and lower risk.  The easy-to-use Software-as-a-Service (SaaS) solution is the only product on the market with computer vision and artificial intelligence built in.

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

 

 

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

FDIC-Insured Institutions Reported Net Income
 of $57.4 Billion in Third Quarter 2019

• Net Income Declined 7.3 Percent from Third Quarter 2018 Due to Nonrecurring Events at Three Large Institutions
• Net Interest Margin Declined from a Year Ago to 3.35 Percent
• Community Bank Quarterly Earnings Increased 7.2 Percent Year Over Year
• Total Loan and Lease Balances Increased from the Previous Quarter and a Year Ago
• The Number of Banks on the “Problem Bank List” Remained Low  

"Despite nonrecurring events at three large institutions that impacted overall net income, the banking industry reported positive results this quarter. With the sustained economic expansion, the FDIC urges banks to uphold careful underwriting standards and prudent risk management." 
— FDIC Chairman Jelena McWilliams

For the 5,256 commercial banks and savings institutions insured by the Federal Deposit Insurance Corporation (FDIC), aggregate net income totaled $57.4 billion in third quarter 2019, a decline of $4.5 billion (7.3 percent) from a year ago. The decline in net income was caused by higher noninterest expense and loan-loss provisions and realized securities losses.  Financial results for third quarter 2019 are included in the FDIC’s latest Quarterly Banking Profile released today.

FDIC Chairman Jelena McWilliams, said, “The banking industry reported positive results this quarter, despite nonrecurring events at three large institutions that affected quarterly net income. Overall, the banking industry reported strong loan growth, and the number of ‘problem banks’ remained low.

Community banks also reported another positive quarter. Net income at community banks improved due to higher net operating revenue, and the annual rate of loan growth at community banks exceeded the overall industry.”

“This quarter, we also saw two reductions in short-term interest rates and a flat yield curve, which present new challenges in credit extension and funding. It is imperative that banks maintain careful underwriting standards and prudent risk management in order to maintain lending through this economic fluctuation.”

Highlights from the Third Quarter 2019
Quarterly Banking Profile

Net Income Declined 7.3 Percent from Third Quarter 2018 Due to Nonrecurring Events at Three Large Institutions: The 5,256 FDIC-insured institutions reported aggregate net income of $57.4 billion in third quarter 2019, a decline of $4.5 billion (7.3 percent) from a year ago. The quarterly decline in net income was due to nonrecurring events at three large institutions. However, 62 percent of all institutions reported a year-over-year increase in net income; slightly more than 4 percent of institutions were unprofitable. The average return on assets declined from 1.41 percent in third quarter 2018 to 1.25 percent.

Community Banks’ Net Income Increased 7.2 Percent from Third Quarter 2018: The 4,825 FDIC-insured community banks reported net income of $6.9 billion in third quarter 2019, up $466 million from a year ago. Pretax return on assets rose 3 basis points to 1.51 percent, marking the highest quarterly pretax return on assets reported by community banks since third quarter 2006. Growth in net interest income (up 4 percent to $19 billion), noninterest income (up 16.4 percent to $5.1 billion), and gains on securities sales (up 675.1 percent to $164.5 million) were responsible for the annual increase in profitability. Revenue growth in these areas offset increases in noninterest expense (up 5.8 percent to $15.2 billion), provision expense (up 24.9 percent to $754 million), and income tax expense (up 12 percent to $1.4 billion).

Net Interest Income Increased 1.2 Percent from a Year Ago: Net interest income increased by $1.7 billion (1.2 percent) from 12 months ago, making it the lowest annual growth rate since fourth quarter 2014. Lower yield on earning assets contributed to the slowdown in net interest income.  However, slightly more than two-thirds of all banks (70.9 percent) reported annual increases in net interest income. The average net interest margin declined by 10 basis points from a year ago to 3.35 percent.

Total Loan and Lease Balances Increased from the Previous Quarter and a Year Ago: Total loan and lease balances increased by $99.5 billion (1 percent) from the previous quarter. Growth among major loan categories was led by consumer loans, which includes credit cards (up $31.3 billion, or 1.8 percent) and residential mortgage loans (up $22 billion, or 1 percent). Over the past year, total loan and lease balances rose by 4.6 percent, slightly above the 4.5 percent annual growth rate reported last quarter. Commercial and industrial loans registered the largest dollar increase from a year ago (up $131.9 billion, or 6.3 percent).

Asset Quality Indicators Remained Stable: The amount of loans that were noncurrent (i.e., 90 days or more past due or in nonaccrual status) declined by $184.8 million (0.2 percent) from the previous quarter.  Noncurrent balances reported mixed results for major loan categories. Residential mortgages declined by $407.4 million (1 percent), while credit card balances rose by $940.9 million (8.1 percent) and commercial and industrial loans increased by $263.5 million (1.5 percent). The average noncurrent loan rate declined by 1 basis point from the previous quarter to 0.92 percent. Net charge-offs rose by $1.9 billion (17.2 percent) from a year ago, and the average net charge-off rate rose to 0.51 percent.

The Number of Banks on the “Problem Bank List” Remained Low: The number of problem banks fell from 56 to 55 during the third quarter, the lowest number of problem banks since first quarter 2007. Total assets of problem banks rose modestly from $48.5 billion in the second quarter to $48.8 billion.

The Deposit Insurance Fund’s Reserve Ratio Rose to 1.41 Percent: The Deposit Insurance Fund (DIF) balance totaled $108.9 billion in the third quarter, an increase of $1.5 billion from the previous quarter. The quarterly increase was due to assessment income, interest earned on investment securities held by the DIF, and a reduction in losses from past failures. The reserve ratio rose by 1 basis point from the previous quarter to 1.41 percent.

Mergers and New Bank Openings Continued in the Third Quarter: During the third quarter, four new banks opened, 46 institutions were absorbed by mergers, and no banks failed.

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

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Fernando's View
Special Thanksgiving Edition

By Fernando F. Croce

As end-of-year holidays quickly pile up, it’s important to not lose track of the things that really matter, like health, family, and a good movie. So for this upcoming Thanksgiving, we’re recommending a slew of savory cinematic treats to go with your turkey gravy and pumpkin pie. Enjoy!

Babes in Toyland (Gus Meins and Charles Rogers, 1934): Though often filmed, the fable about storybook characters banding together was never more delightful than in this musical version, starring the legendary comic duo of Stan Laurel and Oliver Hardy. They play Stannie Dum and Ollie Dee, roommates living in Toyland in the Mother Peep’s giant shoe. Their happy life is upended when the evil Silas Barnaby (Harry Kleinbach) sets his sights on Little Bo-Peep (Charlotte Henry). When the miser and his minions kidnap the maiden, it’s up to the boys to help her true love Tom-Tom (Felix Knight) to rescue her. Brimming with inventive sets and nursery-rhyme characters (including the Three Little Pigs and Little Boy Blue), the film has become a Thanksgiving staple and a mischievous alternative to Disney sweetness.

Rally 'Round the Flag, Boys! (Leo McCarey, 1958): An expert in comedy since the earliest days of Laurel and Hardy, Leo McCarey directed this warm and wild satire on suburbia, which concludes with one of the funniest portraits of Turkey Day ever put on screen. Paul Newman and Joanne Woodward, in rare comic roles, stars as Harry and Grace, a married couple whose staid life in a small Connecticut town is shaken up by unexpected events. First, there's a military army base being built right in their backyard, and then there's flirty local Angela (Joan Collins), who has her eyes on Harry. How long can Harry resist temptation? Culminating with an uproarious Thanksgiving reenactment that shuffles everybody's roles, this unheralded comedy mixes slapstick with humanism as only McCarey could.

She’s Gotta Have It (Spike Lee, 1986): Spike Lee made his feature debut with this sly, inventive indie comedy, which builds to a memorable Thanksgiving scene. The “She” of the title is Nola Darling (Tracy Camilla Johns), a free-spirited young woman from Brooklyn who has her hands full with no less than three suitors circling her. There’s Jamie Overstreet (Tommy Redmond Hicks), who might be polite to a fault; Greer Childs (John Canada Terrell), a vain and not too bright model; and Mars Blackmon (played by Lee himself), a runty motor-mouth who won’t take no for an answer. Fond of all of them, Nola refuses to commit to a single relationship. But will her bohemian ways backfire? Delightfully scrappy and unabashedly sensual, the film remains a classic of shoestring wit.

The House of Yes (Mark Waters, 1997): For those who prefer their Thanksgiving festivities on the edgier side, check out this darkly giddy comedy from writer-director Mark Waters (“Mean Girls”). The setting is the dysfunctional Pascal family home in Virginia, where oldest son Marty (Josh Hamilton) brings his fiancée Lesly (Tori Spelling) for Thanksgiving. His mom (Genevieve Bujold) and young brother (Freddie Prince Jr.) are eccentric and protective, but they’re normal compared to his sister Jackie-O (the marvelous Parker Posey), who’s just been released from psychiatric custody and is obsessed with Jacqueline Kennedy Onassis and the JFK assassination. Trapped in the house as a hurricane whips the area, they all face terse games and dark secrets. Brittle, risky, and surprisingly affecting, the film is an acquired taste but a tangy one.

The New World (Terrence Malick, 2005): No film more movingly depicts the first interactions between Native Americans and European settles than this beautiful epic from master director Terrence Malick (“Days of Heaven,” “The Thin Red Line”). Offering a sweeping panorama of the nation’s nascent period, it sensitively depicts the relationship between explorer John Smith (Colin Farrell) and young native princess Pocahontas (Q’Orianka Kilcher), who develop a deep love for each other despite the many and often violent differences between their cultures. As they grow apart, however, their bond is tested by the passage of time. Driven less by plot than by an emotional, visually sublime movement, Malick’s film envisions a hopeful harmony between human beings and nature. This masterpiece is certainly something for every movie lover to be thankful for.

German Shepherd
Seattle, Washington  Adopt-a-Dog

Chewie

ID 29119117
Male
Age: 4 years, 2 months
Size: Medium
Colar: Sable
Neutered
Declawed: No
Site: Seattle Animal
Location: Dog Kennels

Adoption Fee: $275.00
Includes: Recommended vaccinations.
Microchip and registration.
Initial worming.

Seattle Animal Shelter
Address: 2061 15th Ave W,
Seattle, WA, 98119
Phone: 206-386-7387 (PETS)
Fax: 206-386-4285

Adoptions
Wednesday-Sunday, 1-6 p.m.; closed Mondays and Tuesdays
Adoptions must be started by 5:30 p.m.

Email: seattleanimalshelter@seattle.gov
Direct: 206-386-4294

Dog Adoption Questionnaire:
http://www.seattle.gov/Documents/Departments/AnimalShelter/Dog-Adoption-questionnaire-2017-Fillable.pdf   

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Time to Consider Re-Signing or Joining an Association
to Network, Educate, Make New Clients or Find Sources

The link below will lead you to the "End of July Association Numbers," show the number of groups that belong, as well as each has the association's specific membership information link:

http://leasingnews.org/archives/Aug2019/08_26.htm#membership

Alternate Finance Association Membership
        United States
http://leasingnews.org/archives/Jul2017/07_17.htm#alternate

News Briefs----

Musk says Window Cracked on Cybertruck Because
 Sledgehammer to Door Cracked Base of Window
https://www.mercurynews.com/2019/11/25/teslas-elon-musk-explains-windowgate-shattering-of-cybertruck-windows/

America's largest truck-engine manufacturer 2,000 layoffs
— and it's another sign of the trucking 'bloodbath'
https://www.businessinsider.com/cummins-confirms-2000-layoffs-at-truck-engine-manufacturer-trucking-downturn-2019-11 

AC Moore to Go Out of Business, Close all 145 Stores
  Michaels Art & Crafts to take over as many as 40
https://nypost.com/2019/11/26/ac-moore-going-out-of-business-will-close-all-145-stores/

'Sleepwalking toward climate catastrophe:'
 World must slash emissions immediately, UN report says
https://www.usatoday.com/story/news/nation/2019/11/26/climate-emergency-u-n-report-urges-cuts-gas-emissions-immediately/4307991002/

Station Wagons on Endangered List
    as S.U.V.s Crush All in Their Path
https://www.nytimes.com/2019/11/26/business/station-wagons.html

 

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You May Have Missed---

This Machine Did More to Eliminate Child Labor
 than any Legislative Efforts in New York, 1913
https://www.quora.com/What-are-the-social-issues-that-engineers-could-solve/answer/Steve-Heckman-1

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S.F. 49ers
Jane Griffin

Gold helmets shine in the sunlight.
The jerseys are loose and the pants are tight.
Those were the only things shining this year.
After so many losses, there's no reason to cheer.
That's what all thought but one loyal fan
Because not matter what, I believe that they can.
I know we could have won the Superbowl
If our kicker was able to make a field goal.
Many times when we could have won the game,
Because of special teams, we left the field in shame.
We'll have to wait until next season
To be the ones doing the teasin'.
The Superbowl will be our mission.
After all it's 49ers tradition.

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The NFL Has Never Seen Anyone Like
    Lamar Jackson—and He's Unstoppable
https://bleacherreport.com/articles/2864298-the-nfl-has-never-seen-anyone-like-lamar-jackson-and-hes-unstoppable

Former Giants manager Dusty Baker opens winery
    tasting room in Sacramento suburb
https://www.sacbee.com/article237753559.html

Has Jason Garrett Finally Run Out of Excuses?
https://bleacherreport.com/articles/2864230-has-jason-garrett-finally-run-out-of-excuses

NFL power rankings: How do Week 12 losses
   affect Cowboys, Packers?
https://www.usatoday.com/story/sports/nfl/columnist/nate-davis/2019/11/26/week-12-nfl-power-rankings-cowboys-packers-ravens-patriots/4305070002/

25 Hall of Fame semifinalists announced
http://www.theredzone.org/Blog-Description/EntryId/79395/25-Hall-of-Fame-semifinalists-announced

Spain Beats Canada to Win Davis Cup at Home
https://www.nytimes.com/2019/11/24/sports/tennis/spain-canada-davis-cup-nadal.html?auth=login-email&login=email

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California Nuts Briefs---

Charles Schwab to give up SF headquarters
   in $26 billion TD Ameritrade deal
https://www.sfchronicle.com/business/article/Charles-Schwab-to-lose-SF-headquarters-in-26-14860683.php

California lawmakers push for cell-tower backup power
   after wireless service failures
https://www.sfchronicle.com/california-wildfires/article/State-lawmakers-push-for-cell-tower-backup-power-14856180.php

Element hotel is slated for huge north San Jose office park
https://www.mercurynews.com/2019/11/26/element-hotel-north-san-jose-office-park-tech-real-estate-roku-verizon-marriott/ 

Fry’s touts Black Friday deals despite low stock
https://www.mercurynews.com/2019/11/26/frys-touts-black-friday-deals-despite-low-stock/

Sonoma County Habitat for Humanity suspending homebuilding
     because of cash crunch
https://www.pressdemocrat.com/news/10372939-181/sonoma-county-habitat-for-humanity

Martins Beach: Court hands Silicon Valley billionaire
  win in public-access fight; ruling unlikely to affect access
https://www.mercurynews.com/2019/11/26/martins-beach-court-hands-silicon-valley-billionaire-win-in-public-access-fight/

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“Gimme that Wine”

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

Former Giants manager Dusty Baker opens winery
    tasting room in Sacramento suburb
https://www.sacbee.com/article237753559.html

Winemaker Trial: The Pros and Cons
   of Perle Barrels for Pinot Noir
https://www.winebusiness.com/news/?go=getArticle&dataId=222956

Idaho's 2019 Grape Harvest Will Produce Balanced Wines
https://www.winebusiness.com/news/?go=getArticle&dataId=222945

Napa Valley & California Cabernet Sauvignon 2015:
   Panel tasting results
https://www.decanter.com/premium/napa-valley-california-cabernet-sauvignon-2015-panel-tasting-427529/

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

   1676-The first fire of serious consequences record when there “ burned down to the ground 46 dwelling houses, besides other buildings, meeting houses, etc.” in Boston, MA. Three years later on August 8,1679, another Boston fire destroyed 80 dwellings and 70 commercial buildings, the damage amounting to almost $1 million.
    1703-Birthday of James Delancey, England. He presided over the 1733 libel suit brought by Governor William Cosby against journalist Peter Zenger. This case is a major landmark in establishing freedom of the press in America.
http://memory.loc.gov/ammem/today/nov27.html
    1746- Birthday of Robert B. Livingston was a very respected member of the Continental Congress, farmer, diplomat, and jurist, who was born in New York City, New York. It was Livingston who administered the oath of office to President George Washington in 1798. He was a lawyer and a member of the Continental Congress from 1775 to 1777 and from 1779 to 1781. During his first term he was also one of five members of the committee that drew up the Declaration of Independence. He was chancellor of New York State from 1777 to 1801, U.S. secretary of foreign affairs under the Articles of Confederation from 1781 to 1783, and minister to France from 1801 to 1804. In the last-named post he successfully negotiated the Louisiana Purchase by the United States. He financed the American engineer Robert Fulton in the building of his steamboat and for some time held a monopoly on Hudson River navigation.
(lower part of: http://memory.loc.gov/ammem/today/nov27.html )
    1755 -Land for the first Jewish settlement in America was purchased by Joseph Salvador, who bought 10,000 acres near Fort Ninety_Six, in the southern part of the Carolina Colony.
http://www.ajhs.org/publications/chapters/chapter.cfm?documentID=253
http://users.commkey.net/fussichen/otdJews.htm
    1841—Thirty-five Amistad survivors return to Africa 
http://www.sun.ac.za/forlang/bergman/real/amistad/history/msp/t_amistad.htm
http://www.law.umkc.edu/faculty/projects/ftrials/amistad/AMI_ACT.HTM
http://memory.loc.gov/ammem/today/mar09.html
http://afgen.com/slaveshp.html
http://www.spartacus.schoolnet.co.uk/USASamistad.htm
http://www2.h-net.msu.edu/mmreviews/showrev.cgi?path=49
http://www.cc.oberlin.edu/~EOG/Kinson/Kinson.html
    1853-Birthday of Bat Masterson, Old American West gambler, saloonkeeper, lawman and news writer/editor. A popular television show from 1958 to 1961, 107 episodes in black and white, starring Gene Barry. My father Lawrence Menkin wrote several of the episodes. While it is a known fact he was quite the gentlemen, it was never promoted that he was a Canadian, born at Henryville, Quebec, Canada; died Oct 25, 1921, at New York, NY.
    1863-Confederate cavalry raider John Hunt Morgan and several of his men break out of the Ohio state prison and escape safely to the South. Morgan became a hero in the South when he made four daring raids on northern-held territory in 1862 and 1863. Though these raids were of limited strategic value, they boosted Southern morale and kept thousands of Federal troops occupied trying to hunt down Morgan. He and his men also robbed banks, farm houses, and were considered “bandits” by the North. On his last raid, however, his reach exceeded his grasp. He took a large band and headed into Kentucky, Indiana, and Ohio. After riding past Cincinnati, Morgan and his men tried to cross the Ohio River back into Kentucky, but they were surprised and routed by a larger Federal force at Buffington Island, Ohio. With his escape blocked, Morgan turned into northeastern Ohio but was finally surrounded by pursuing Yankee cavalry at Salineville on July 26, 1863. Below the cell was a crawl space for ventilation and they tunneled to the outside and journeyed safely to Confederate territory. Morgan returned to his cavalry activities in Tennessee after his escape. At Greeneville, Tennessee, in 1864, Morgan fell victim to the same kind of raid that he so often conducted and Yankee cavalry captured his troops, Morgan fatally wounded in the “final raid.”
    1868-Without bothering to identify the village or do any reconnaissance, Lieutenant Colonel George Armstrong Custer leads an early morning attack on a band of peaceful Cheyenne living with Chief Black Kettle. Convicted of desertion and mistreatment of soldiers earlier that year in a military court, the government had suspended Custer from rank and command for one year. Ten months into his punishment, in September 1868, General Philip Sheridan reinstated Custer to lead a campaign against Cheyenne Indians who had been making raids in Kansas and Oklahoma that summer. Sheridan was frustrated by the inability of his other officers to find and engage the enemy, and despite his poor record and unpopularity with the men of the 7th Cavalry, Custer was a good fighter. 
Sheridan determined that a campaign in winter might prove more effective, since the Indians could be caught off guard while in their permanent camps. On November 26, Custer located a large village of Cheyenne encamped near the Washita River, just outside of present-day Cheyenne, Oklahoma. Custer did not attempt to identify which group of Cheyenne was in the village, or to make even a cursory reconnaissance of the situation. Had he done so, Custer would have discovered that they were peaceful people and the village was on reservation soil, where the commander of Fort Cobb had guaranteed them safety. There was even a white flag flying from one of the main dwellings, indicating that the tribe was actively avoiding conflict. 
Having surrounded the village the night before, at dawn Custer called for the regimental band to play "Garry Owen," which signaled for four columns of soldiers to charge into the sleeping village. Outnumbered and caught unaware, scores of Cheyenne were killed in the first 15 minutes of the "battle," though a small number of the warriors managed to escape to the trees and return fire. Within a few hours, the village was destroyed--the soldiers had killed 103 Cheyenne, including the peaceful Black Kettle and many women and children.
Hailed as the first substantial American victory in the Indian wars, the Battle of the Washita helped to restore Custer's reputation and succeeded in persuading many Cheyenne to move to the reservation. However, Custer's habit of boldly charging Indian encampments of unknown strength would eventually lead him to his death at the Battle of the Little Bighorn. 
    1874-Birthday of American historian Charles Austin Beard who wrote many books in collaboration with his wife, Mary R. Beard, was born near Knightstown, IN. He died at New Haven, CT, Sept 1,1948.
    1888- Edward Bellamy’s book “Looking Backwards” was published, a novel about a futuristic society in which each citizen was given a year “credit card.” It was issued by the government and entitled the holder to all necessary goods and services. In 1900, several U. S. hotels issued “ cards of credit” to their best customers. by 1914, department stores and chains of gasoline stations had entered the picture. Diners Club introduced the first “ restaurant card” in 1950. In 1951, the “ bank card, “ today’s most popular type of card, was introduced by the Franklin National Bank of New York.
    1890-The first signal box for San Francisco Police Department goes into operation. The Fire Department had set up a telegraph communication in 1877.
http://www.sfmuseum.org/sffd/alarm.html
1904 Eddie South Birthday
http://www.manumba.com/E/Eddie_South.html
    1898 - The "Portland" storm raged across New England producing gale force winds along the coast and heavy snow inland. A foot of snow blanketed Boston MA, and 27 inches fell at New London CT. Winds at Boston gusted to 72 mph, and wind gusts to 98 mph were estimated at Block Island RI. A passenger ship, the S. S. Portland, sank off Cape Cod with the loss of all 191 persons aboard, and Boston Harbor was filled with wrecked ships. The storm wrecked 56 vessels resulting in a total of 456 casualties.
http://www.redhotjazz.com/alabamians.html
http://musicfinder.yahoo.com/shop?d=hc&id=1800121849&cf=11&intl=us
1907-Birthday of arranger/pianist Eddie Wilcox, Method, NC
http://www.allmusic.com/cg/amg.dll?p=amg&sql=1EDDIE|WILCOX
    1909- birthday of James Agee, poet, novelist (Let Us Now Praise Famous Men), scriptwriter (A Death in the Family), born at Knoxville, TN. Died at New York, NY, May 16, 1955.
    1910 - Pennsylvania Station, or Penn Station, was opened to traffic. In those days of the early 1900s, the 28-acre train and transportation facility was the largest railway station in the world. Penn Station is still the busiest Amtrak rail station in the U.S. There is a plan to turn the James A. Farley U.S. Post Office Building (across the street from the original Penn Station) into a new Pennsylvania Station, in the great public building style of its predecessor. Not so coincidentally, the post office was designed by the architectural firm which designed the original Penn Station. 1907-Birthday of arranger/pianist Eddie Wilcox, Method, NC
http://www.allmusic.com/cg/amg.dll?p=amg&sql=1EDDIE|WILCOX
    1924-The first Macy’s Thanksgiving Day Parade was held in New York City along a two-mile stretch of Broadway from Central Park West to Herald Square. the event was intended to boost holiday sales and bring customers to R.H. Macy’s recently expanded flagship store at Herald Square.
    1926 - Louis ‘Satchmo’ Armstrong recorded "You Made Me Love You" on Okeh Records
    1933- Billie Holiday, 17, debuts with Benny Goodman on “ Your Mother’s Son-In-Law”, Columbia 2856
    1938 - The second heavy snow in three days dropped up to 14 inches in New York and 12 inches in New Jersey
    1939-First Bob Eberly-Helen O’Connell duet, “ Do It Again”.
    1940 - Bruce Lee (Lee Jun Fan) (actor: martial arts cult star; The Green Hornet, Game of Death, Return of the Dragon, Fists of Fury, Enter the Dragon, Chinese Connection, Marlowe; subject of the movie, Dragon; died July 20, 1973) 
    1942-Birthday of American musician and songwriter Jimi Hendrix was born at Seattle, WA. One of the greatest rock guitarists in history, he revolutionized the guitar sound with heavy use of feedback and incredible fretwork. His success first came in England, then in the US after his appearance at the Monterey Pop Festival (1967). His albums included Are You Experienced?, Electric Ladyland, Axis: Bold as Love (all 1968) and Band of Gypsys (1970). He died Sept 18, 1970, at London, England.
    1945-Birthday of trumpet player Randy Brecker, Philadelphia, PA
http://www.randybrecker.com/ http://shopping.yahoo.com/shop?d=product&id=
1927044601&clink=dmmu.artist&a=b
http://www.amazon.com/exec/obidos/ASIN/0793527953/inktomi-bkasin-20/
002-5410374-3716044
    1947-Birthday of drummer Robert Conti, Brooklyn, NY
http://www.robertconti.com/photogal/80s/J-Ville%20Jazz%20Festival%201986/
Jax%20Jazz%2086.htm
    1947 --Triple Crown winner Ted Williams (.343, 32,162) is edged out by the Yankee Clipper Joe DiMaggio (.315, 20, 97) for the American League MVP by one point.
    1950---Top Hits
Harbor Lights - The Sammy Kaye Orchestra (vocal: Tony Alamo)
Nevertheless - Jack Denny
All My Love - Patti Page
I’m Moving On - Hank Snow
    1950 - A moderately severe freeze occurred in Florida with Tallahassee reaching 20 degrees, a record for November
    1951 - The first black horse-racing jockey was licensed in Florida. He was Hosea Richardson and was sixteen years old at the time. 
    1951-“The Dinah Shore Show” premiered on TV. Dinah Shore hosted a successful 15-minute musical show until 1957 and then an hour variety show from 1957 to 1962, one of the few females to have done so. The music show was sponsored by Chevrolet( and was officially known as “The Dinah Shore Chevy Show”) and featured a backup ground called the Skylarks. Shore also starred in specials and hosted a variety series with a guest host filling in for her every fourth week. She later moved on to hosting a talk show. 
    1958---Top Hits
It’s Only Make Believe - Conway Twitty
To Know Him, is to Love Him - The Teddy Bears
One Night - Elvis Presley
City Lights - Ray Price
    1960- right wing Gordie Howe of the Detroit Red Wings scored the 1,000 point o f his NHL career, tallying an assist in a Red Wings victory over the Toronto Maple Leafs. Howe finished his 26 year
career with 1,850 points.
    1965-The Pentagon informs President Johnson that if General Westmoreland is to conduct the major sweep operations necessary to destroy enemy forces during the coming year, U.S. troop strength should be increased from 120,000 to 400,000 men. In Washington, nearly 35,000 war protestors circle the White House for two hours before moving on to the Washington Monument. Dr. Benjamin Spock, Coretta Scott King, and activist Norman Thomas were among those who gave speeches. 
    1965-The Lovin' Spoonful's "You Didn't Have To Be So Nice" is released.
    1965-First Acid Test.The first Acid Test was staged by the Merry Pranksters at Ken Babbs' book store in Santa Cruz. It featured a light show and projections of some of the forty hours of film shot on the 1964 bus excursion (Augustus Owlsley Stanley III had been introduced to Ken Kesey in September 1965.
    1966---Top Hits
You Keep Me Hangin’ On - The Supremes
Good Vibrations - The Beach Boys
Devil with a Blue Dress On & Good Golly Miss Molly - Mitch Ryder & The Detroit Wheels
Somebody Like Me - Eddy Arnold
    1966 - "Winchester Cathedral" starts to climb the charts; The New Vaudeville Band. Composer Geoff Stephens sings the song through a megaphone, giving it a 1930s vaudeville style.
    1967 - The Association, a California group, earned a gold record for the hit "Never My Love", on Warner Bros. Records. The group also earned worldwide fame for other hits including "Windy", "Cherish" and "Along Comes Mary". 
    1967 - The Beatles released their "Magical Mystery Tour." One side contains the songs from the movie of the same name, ("I Am the Walrus," "Fool on the Hill," "Blue Jay Way," & "Your Mother Should Know") The other side features singles previously unavailable on a long player ("Penny Lane," "Strawberry Fields Forever," "Hello Goodbye," "Baby You're A Rich Man," & "All You Need Is Love") On December 8, EMI will release a double-EP containing only the songs from the film. Both the American LP and the British EP are big sellers, the film however, is not.
    1968-Steppenwolf's eponymous first album, which includes its biggest hits, "Born to Be Wild" and "Magic Carpet Ride," is certified gold.
    1969 - The Rolling Stones used portions of their stint at New York’s Madison Square Garden this day for their live album "Get Yer Ya-Yas Out" (released in 1970). Tracks on the album: "Jumpin’ Jack Flash", "Carol", "Stray Cat Blues", "Love in Vain", "Midnight Rambler", "Sympathy for the Devil", "Live with Me", "Little Queenie", "Honky Tonk Women" and "Street Fighting Man". 
    1970-George Harrison releases his solo album "All Things Must Pass," produced by Phil Spector and featuring lots of noted players like Eric Clapton, Dave Mason, Ringo Starr and Jim Gordon.
    1973 - No. 1 Billboard Pop Hit: "Top of the World," Carpenters. Richard Carpenter writes the song with John Bettis, who also writes the lyrics for such Carpenter hits as "Goodbye to Love" and "Yesterday Once More."
    1974---Top Hits
I Can Help - Billy Swan
Do It (’Til You’re Satisfied) - B.T. Express
Longfellow Serenade - Neil Diamond
Trouble in Paradise - Loretta Lynn
    1974-Carl Douglas' "Kung Fu Fighting," which turns gold on this date. He tries a follow-up with "Dance the Kung Fu."
    1976-Queen's "Somebody To Love" is released.
    1977 - It was a big day for sweat hog Vinnie Barbarino, formerly of TV’s "Welcome Back Kotter". His new character, Tony Manero, set box office records as "Saturday Night Fever" made a superstar of John Travolta. The soundtrack album, by the Bee Gees and others, sold more than 11 million copies. 
    1978- Dan White shot and killed Mayor George Moscone and also Harvey Milk , San Francisco City Supervisor. A candlelight vigil was held at Market and Castro. Joan Baez (in person) began singing AMAZING GRACE. Tears flowed freely as the crowd joined in. Chills ran down our collective spine.
    1982 - The #1 song in the U.S. was former Commodore Lionel Richie’s "Truly". The love song stayed at the top of the charts for two weeks. The song was his first solo hit and followed "Endless Love", a duet with Diana Ross (1981). 
Other top 1982---Top Hits
Gloria - Laura Branigan
Mickey - Toni Basil
It Ain’t Easy Bein’ Easy - Janie Fricke
    1986 - Lou Holtz signed a five-year pact to lead the Fighting Irish of Notre Dame. Holtz left the head coaching job with the Golden Gophers of the University of Minnesota to take the new position. 
    1986 - No. 1 Billboard Pop Hit: "You Give Love a Bad Name," Bon Jovi.
    1989- Unseasonably warm weather prevailed ahead of the cold front. Twenty-three cities from the Gulf coast to the Ohio Valley and the Mid Mississippi Valley reported record high temperatures for the date, including Saint Louis MO with a reading of 76 degrees.
    1990---Top Hits
Love Takes Time - Mariah Carey
More Than Words Can Say - Alias
I’m Your Baby Tonight - Whitney Houston
Come Next Monday - K.T. Oslin
    1991-Both houses of Congress approved legislation authorizing $70 billion in additional borrowing authority for the Federal Deposit Insurance Corporation (FDIC) because of the record number of savings and loan failures.
    1995- Prodigy announced it would open an Internet shopping outpost called the "Virtual Mall," including offerings from J.C. Penney, Lands End, Hammacher Schlemmer, and Sears, Roebuck & Co. The new system promised to include "personal sales assistant" software to make recommendations based on users' profiles. It did not catch on, primarily because the sites were set up for fast connections and the majority of users were still at 28,000 baud speed.
    1995 - "One Sweet Day," Mariah Carey's duet with Boyz II Men enters the Billboard Hot 100 Singles Chart at No. 1. Carey becomes the first recording artist in history to have two consecutive singles debut at No. 1 following "Fantasy," also from her No. 1 album "Daydream."
    1966- In highest-scoring NFL game, Washington Redskins defeat New York Giants 72-41. The Redskins' also establish a new record for points by one team in a regular season game.
    2000 - The Beatles return to No. 1 on the Billboard 200 with a collection of their 27 chart-topping hits, appropriately titled "1." The collection, which debuts at No. 1 in the U.K. a week earlier, sells nearly 595,000 copies in the U.S. during its first week.