|
National Machine Tool Financial Corporation |
National Tel-Med Capital | National Business Finance |
Sales Reps
Machine tools, construction, medical equip. Top competitive comp. package Fax resume: 847-871-4209 e-mail: chris@netlease.com
|
www.netlease.com
National has operated as an indirect lessor for over 25 years. They are expanding three of their divisions. |
Monday, November 20, 2006
Headlines---
Note: “Add me” and “Contact Me”
Classified Ads---Syndicator
Super Broker List
Alexa: Leasing Web Sites Report
Best Bang for the Advertising Buck
Marlin Stock Last Friday Trade
Friday Stock Close-Others
Story Credit Lessor Up-Date
Classified ads---Help Wanted
Leasing #102--by Mr. Terry Winders
"Personal Guarantees"
Top Stories----November 12-17
Cartoon---“The Iron Chef at Home”
FNBL enters Middle Market Fray
ABSnet Research Roundup
News Briefs---
You May have Missed---
Sports Briefs---
"Gimme that Wine"
Calendar Events
Snapple Real Facts
Today's Top Event in History
This Day in American History
American Football Poem
######## surrounding the article denotes it is a “press release”
---------------------------------------------------------------
Note: “Add me” and “Contact Me”
In the changing over to SpamArrest, to control not only “spam,” but the major spoofing Leasing News was experiencing, there evidently was a problem with our CGI script on our web site regarding the two features: “Add me to the mailing list” and “Contact us.” These forms were not working.
The purpose of SpamArrest is to make sure it is a live person trying to sign in to the page and not an automated script or spam knocking. It’s much easier for the human to scan and copy the correct letters than for a piece of roaming code. To learn more about this, please go to
http://www.captcha.net/
The CGI script has been re-written and both these forms now work from the web site.
If you have used these two features and did not get a response, please try again.
Kit Menkin, editor
[headlines]
--------------------------------------------------------------
Classified Ads---Syndicator
Woodward Canyon Winery, located in the Walla Walla Valley appellation of Washington State
These job-wanted ads are free. We also recommend to both those seeking a position and those searching for a new hire to also go to other e-mail posting sites:
http://64.125.68.91/AL/LeasingNews/Classified.htm
In addition, those seeking employment should go to the human resource departments on company web sites for funders, captive lessors, and perhaps “broker-lessors.”
To place a free “job wanted” ad here, please go to:
http://64.125.68.91/AL/LeasingNews/PostingForm.asp
Syndicator:
Overland Park, KS
Top Syndicator from single deal to portfolios. 20+ yrs exp. Available for contract work or full time position. Nationwide contacts.
E-mail: FFLLeasing@aol.com
(Note: This ad has been running a long time. The party has told us they have gotten “contract work” from it, and would like to keep it running. The person would accept a “full time” position, but continues in his long-time present position of evaluating portfolios, recommending portfolios, and finding
funding sources for both brokers and lessors.
(While making this statement, there are three “senior management” ads where they are employed in senior position, but have requested to keep their ad posted as they want to “keep my oar in the water.” One also said they found the inquiries very helpful.
(Many on the list are “not out of work,” but seeking a better position or a “new” position.
(Leasing News does check to see that the e-mail addresses are valid and/or the party still wants to keep the ad running. We don’t have a formal policy on this, as the goal was to help those who advertised. Many tell us they get responses, or have found employment, and while we ask for testimonials, almost all don’t want us to publish the information. We honor their privacy. Editor)
For a full listing of all “job wanted” ads, please go to:
http://64.125.68.91/AL/LeasingNews/JobPostings.htm
* http://www.woodwardcanyon.com/
Up-coming events:
http://www.woodwardcanyon.com/events.cfm
[headlines]
--------------------------------------------------------------
Super "Broker/Lessor" List
( for funders specializing in “Story Credits, “ please click here
for Broker/Lessors List "A," please click here, for list "B," pleae click here,
for Captive Lessor list, click here.
for Funder List "A," please click here, for Funder List "B," please click here )
There is no advertising fee or charge for a listing. They are “free.” Leasing News makes no endorsement of any of the companies listed, except they have qualified to be on this specific list.
For those who want to be listed on this form, please fill out Super "Broker/Lessors" Form
and fax to 408-374-3843 or you may e-mail to: kitmenkin@leasingnews.org.
Leasing Associations: All non-profit leasing associations are abbreviated. To see the full name and learn more about the association, please click here.
Business Reports: Companies listed may make any netiquette comment about their company or reports or other information in the footnote section of their listing. Leasing News recommends readers also view the footnote as well as the section itself or searching reports on the business.
It also should be noted that if a BBB report listing is found by a reader, as there may not have been one when this was last up-dated, please send the link to maria@leasingnews.org so Leasing News may up-date this section.
BBB - Better Business Report | CBB - Leasing News Complaint Bulletin Board
| CNI - Current News Information
A -Requires Broker be Licensed | B -Sub-Broker Program | C -Warehouse Line | D -Also a Funder
N/R (not reported)
* (no response---these listing do not come from the company directly, but from our research from many sources. It is our policy not to put anything in this section without confirmation.)
Rank |
Name
In Business Since
Contact
Website
Leasing Association |
Employees |
Geo
Area |
Dollar
Amount |
Business Reports |
A |
B |
C |
D |
1. |
|
15 |
National |
Application only up to $150,000 |
|
N |
N |
Y |
Y |
2. |
|
15 |
Nationwide |
$10,000 to $10 million, App only $100K
|
|
* |
* |
* |
* |
3. |
LPI Healthcare Financial Services, Inc.
(primarily loans, not leases)
2000
Kurt Hess
770-579-2900 ext. 11
www.lpifinancial.com
NAELB ( C) |
7 |
National |
$15,000.00 up to $800,000.00 |
|
N |
Y |
N |
N |
4. |
Affiliated Investment Group, Inc.
2005
("Although the company was established in 1991, it has been inactive until recently and is the proud continutation of the 20 year history of Affliated Corporate Services, Inc. Known as “The Flexible Funding Source,”actually since 1991 worked under trade style of Affiliated Corporate Services.")
Jim Lahti , CLP
PH: 512-336-7335
FAX: 512-336-7336
jrl@affiliatedinvestment.com
www.affiliatedinvestment.com
UAEL ( B)
|
4 |
Nationwide |
$25,000 min., with no max.
"Ap only" program $25,000 - $75,000
|
|
N |
Y |
Y |
Y |
5. |
|
4 |
Nationwide |
$20,000 to $2MM |
|
* |
* |
* |
* |
N/R (not reported)
* (no response---these listing do not come from the company directly, but from our research from many sources. It is our policy not to put anything in this section without confirmation.)
(A) BSB Leasing, Inc has been providing syndication services for brokers nationwide since 1982 and have been funding business directly since 2002 through BSB Direct Finance, LLC. We offer Brokers a complete internet solution for credit submission and tracking and document preparation.
BSB will fund up to $75,000 App Only on our direct line under BSB Direct Finance, LLC and we now offer App Only up to $150,000 through BSB Syndication (our house syndication group
Broker Qualify - Please Call or see application on-line at bsbleasing.com
(B) Affiliated Investment Group, Inc. is the proud continuation of over 20 years of serving the broker community. We are a balance sheet, cash flow, credit lender. The primary question on every transaction is "what is the likelihood of being paid back". Our motto is "any equipment, for any Lessee, anywhere in the country". Also known as "The Flexible Funding Source" as we look at a deal with the philosophy of "what's right" about it "how can we make it work". We have significant sources of funds from A to C+ credits.
Broker Qualify - Yes
(C) Quail Capital specializes in large structured and complex transactions. Mohammed Ahsan began his days at Westinghouse Credit (then Atlantic Federal, Mitsubishi Bank, Bank of CA, First Sierra) funding transactions. He has been in the leasing industry for 25 + years. His partner Jeff Rudin has over 27 years. In addition to equipment leasing, Quail Capital is also involved in Asset Based Lending, Franchise Funding, International Finance, Acquisition Finance and Real Estate Secured transactions.
Broker Qualify - Please Call
(D) LPI-HC specializes in Working Capital Loans for new and established medical professionals with our target market being dentists, medical doctors, veterinarians and physical therapists. We also offer Dental Practice Refinancing for established dentists that want to consolidate all their practice debts and improve their cash flow position. "We have the financial solutions to help start and grow a practice with repayment programs designed for medical professionals to manage their money."
Broker Qualify - Please Call
------------------------------------------------------------------------
These companies basically function as a "broker," meaning most of their transactions are sent to other leasing companies or funders. The great majority of their transactions are on a “non-recourse” basis. They may have a “warehouse” line for “housing” a lease transaction or making payments in advance, or building a portfolio to sell, and they also may “keep” leases for their own “in house” portfolio. They are classified as a “Super Broker” because the great majority do not directly “service” accounts, but “sell” the transaction to another. Their intention it not to act as a “funder,” although they may present themselves as one, but to “sell” to another.
An additional description: the majority of their business comes from others, who are acting as a “broker.” These “deals” may come from an independent, a “company,” or even a “lessor” or “funder.”
Most are very experienced in the leasing industry and well-known.
In relation to the rest of the industry categories, this is the smallest. You will only find the “elite” listed here. To date, Leasing News has turned down eight who have requested to be listed due to not having a “satisfactory” Better Business Bureau report (this does not include those listed on the Leasing News Bulletin Board Complaint who have not applied to date.)
It is Leasing News experience that most “advance rentals” or “deposits” have been kept primarily by those acting as “super brokers,” particularly with “tougher” credits or equipment situations.
Their source of business is varied, meaning both new and experienced brokers will come to them because they may not have the "volume" for the source the "super broker" may have; they may be have sufficent years in the leasing business to qualify for many sources: they may be looking for a better rate than their regular sources, or the transaction was originated by another broker and they need to acknowledge that the transaction comes from another broker, called "sub broker," in the trade (most funders will not accept business from that has been “re-brokered.” .” As important, the sender may not have a regular source for the specific transaction they want to place, such as a young privately held company wanted the lease as “corporate only.” Both parties also realize the sender may “go direct” or grow to that point or utilize the “Super Broker” as a consultant for new sources.
Most important, the transactions may come from a lessor that wants to satisfy their client, and they have a "minimum" that the transaction does not meet; or perhaps their client is to the maximum amount of exposure for them.
For whatever reason, they come to a "super broker" to place the deal on their behalf.
In the question of sub-broker business, we take for granted that the “super broker” not only has a written agreement with the sub-broker but informs the lessor when submitting an application it has come from a sub-broker. A violation of this will have the company removed from the list.
In addition to the above qualifications, the "Super Broker" must have a "clean" Better Business Bureau rating, no Leasing News Bulletin Board complaints or a poor record, and must belong to a national leasing association, as we view this that they are professional and abide by their association standards and code of ethics.
We also will be verifying warehouse lines or "lessor" lines with their bankers
(as done with those on the Story Credit List.)
Leasing News reserves the right not to list any company it believes does not meet the qualifications as stated above.
[headlines]
--------------------------------------------------------------
Alexa Ranks Leasing Media Web Sites
|
Rank |
|
|
|
WEBSITE NAME |
| 1. |
127,334 |
97,986 |
|
www.leasingnews.org Leasing News |
|
2. |
128,406 |
124,966 |
|
www.aba.com American Bankers Association |
| 3. |
228,726 |
201,274 |
|
www.elaonline.com Equipment Leasing Association |
|
4. |
360,121 |
281,383 |
|
www.monitordaily.com Monitor Daily |
|
5. |
530,373 |
650,637 |
|
www.naelb.org* National Assoc. of Equip Leasing Brokers |
| 6. |
571,518 |
577,681 |
|
www.ibaa.org Ind Community Bankers of America |
|
7. |
1,132,568 |
1,201,430 |
|
www.leasingnotes.com Leasing Notes |
|
8. |
1,140,495 |
1,088,460 |
|
www.lessors.com eLessors Networking Association |
|
9. |
1,230,348 |
1,080,571 |
|
www.cfa.com Commercial Finance Association |
| 10. |
1,278,683 |
903,814 |
|
www.iicl.org Institute of International Container Lessors |
|
11. |
1,613,084 |
1,364,386 |
|
www.us-banker.com U.S.Banker |
| 12. |
1,886,008 |
1,878,444 |
|
www.leasefoundation.org Equip. Leasing & Fin Fndn |
|
13. |
2,289,001 |
1,864,044 |
|
www.uael.org United Association of Equipment Leasing |
|
14. |
2,610,096 |
4,323,376 |
|
www.aglf.org Assoc of Government Leasing Financing |
|
15. |
2,779,275 |
1,806,631 |
|
www.executivecaliber.ws Exec Caliber-Jeffrey Taylor |
|
16. |
5,656,510 |
3,543,284 |
|
www.clpfoundation.org CLP Foundation |
|
17. |
No Data |
1,314,457 |
|
www.leasecollect.org Lean -Lease Enforcement Att Net |
|
18. |
No Data |
No Data |
|
www.leaseassistant.org Lease Assistant |
|
19. |
No Data |
No Data |
|
www.nationalfunding.org The National Funding Assoc |
|
20. |
No Data |
No Data |
|
www.eael.org*Eastern Association of Equipment Leasing |
| 21. |
No Data |
No Data |
|
www.Leasingpress.com Leasing Press |
|
22. |
No Data |
No Data |
|
www.efj.com Equipment Financial Journal |
David G. Mayer's Business Leasing News is not included in the Alexa report list as it does not have its own individual site and Alexa finds Patton Boggs, LLP Attorneys at Law. The rating is not valid as it includes all those who visit and communicate with the law firm. When Business Leasing News has its own individual web site, it will be included in the Alexa survey.
*It should also be noted that two web sites have their "list serve" posted via their site, meaning their e-mails are counted as a visit to the site, whereas they are "list serve" communication. These are technically visits to the web site, but primarily to use "list serve."
These comparisons are compiled by Leasing News using Alexa and should be viewed as a "sampling," rather than an actual count from the website itself. Other than as noted above, we believe the ratings are reflective as most have stayed in the same position, basically, for over a year.
The Alexa tool bar works on most browsers.
They are partnered with Google.
You may download their free tool bar A graph and analysis of the last three months are available.
( Note: the lower the number, the higher you are on the list. It is based on all web sites. Leasing is only a very small part of the various sites such as Yahoo, MSN, Google, etc. )
[headlines]
----------------------------------------------------------------
Best Bang for the Advertising Buck
Lease a "Help Wanted" Ad
Reach more readers at a lower price than any other equipment leasing internet publication. These are experienced individuals, well-informed as they read Leasing News to keep up-to-date.
Christmas Special
31 Days
(Extra ten days)
You can't beat this low "lease rate" and reach more of the audience you are seeking than at Leasing News!!!
Help Wanted Ad Pricing Criteria |
Smaller Ads |
$500.00 minimum for four lines |
Larger Ads |
$75.00 each additional line |
Additional Options |
- Design work to help create the ad is free.
- Description of your company is free
(company description cannot have more lines than your ad) |
Cost Per Day (based on ad price) |
$500.00 - $16.13 per day
$600.00 - $19.35 per day
$700.00 - $22.58 per day
$800.00 - $25.81 per day
$900.00 - $29.03 per day
|
All rates are subject to change.
Three month, Six month and One year contracts available with a discount.
To see sample size of ads, please go here
If you prefer a " non-employment" ad, we sell a banner ad, please click here
for pricing. |
[headlines]
--------------------------------------------------------------
Marlin Stock Last Friday Trade $22.24
A Security Exchange Commission filing shows that 835,000 shares were sold last Wednesday for $20.79 and 124,800 were sold on Friday for $20.79 by Primus Capital Fund IV, Cleveland, Ohio.
SEC filing:
http://leasingnews.org/PDF/Marlin_Form4.pdf
To view sale of recent stock, including officers, please go here:
http://www.snl.com/irweblinkx/insiders.aspx?IID=4089372
[headlines]
--------------------------------------------------------------
Friday Stock Close---Others
Key
Last Trade: $36.89
Volume: 1,045,500
Netbank
Last Trade: $5.17
Volume: 166,742
Pawnee Leasing
(Chesswood Income Fund)
CHW.UN-Toronto Stock Exchange
Last Bid: $7.90
Volume: 750
[headlines]
--------------------------------------------------------------
Story Credit Lessor Up-Date
Story Credit Lessors - Update
|
Name
In Business Since
Contact
Website
Leasing Association |
Employees |
Geo
Area |
Dollar
Amount |
Broker Qualify |
|
4 |
Northwestern
(see comments) |
$5,000 - $50,000 |
|
(U) Radiance Capital, LLC specializes in start-up business. These are the northern states we do business in AK, AZ, CA, CO, ID, OR, WA. Click here to read our Product overview and Press Realease. Broker Qualify - Please Call |
Full list at:
http://www.leasingnews.org/Story_Credit/Story_Credit.htm
[headlines]
----------------------------------------------------------------
Classified Ads---Help Wanted
Sales
|
Sales Reps
Location open. Requires previous leasing sales experience. Unequaled commissions. For full description & contact info click here.
|
|
|
 |
Niche Market Sales Reps.
Not limited to, but includes:
- Dry cleaning
- Phone systems for small business
- Dental office
- Physicians office
- Laundry/dry cleaning equipment
Send your resume to sclerc@highlinecapital.com EOE.
|
|
|
National Machine Tool Financial Corporation |
National Tel-Med Capital | National Business Finance |
Sales Reps
Machine tools, construction, medical equip. Top competitive comp. package Fax resume: 847-871-4209 e-mail: chris@netlease.com
|
www.netlease.com
National has operated as an indirect lessor for over 25 years. They are expanding three of their divisions. |
[headlines]
--------------------------------------------------------------
Leasing 102
Personal Guarantees
by Mr. Terry Winders, CLP
Personal Guarantees
One of the hardest requirements for lease salespersons to deal with is requesting personal guarantees. Usually, but not always it is because you need to add additional strength to the credit decision. On some occasions it is because the language it a lease agreement does not allow for additional collateral, down payments, or loan covenants and you need additional protection. This is especially true in companies with a limited or small group of owners. If ownership is vested in a small group they have the ability to make all kinds of decisions that may leave you holding the bag if business begins to go south.
One of the most effective ways a lease has to compete with loans, that have the ability to require down payments or other credit enhancements, is to request a personal guarantee.
This guarantee allows you to litigate the individual in addition to the business. This puts all the guarantors’ personal assets at risk to cover any short fall after the equipment has been repossessed and sold. However, understanding the requirements of each State is important because some States require you to complete litigation against the company prior to requiring the guarantor to step up to the plate. In these States the use of “Co- Lessee” is preferable, over a guarantor, so you can request past due payments and shortfalls immediately.
Requesting a guarantee usually sounds like you do not believe the business can live up to the agreement and some lessees take offence to the request so the approach is very critical. One way is to explain that you want them to have complete freedom to manage their business assets without interference so if they give you a guarantee they can move assets and cash in any manner they wish. Most loans require loan covenants or indentures in companies with tight cash or limited ownership. This puts a lot of stress on the company that you can relieve with a personal guarantee and this approach makes you look like you are doing them a favor instead of making it sound like their credit is no good.
Mr. Terry Winders has been a teacher, consultant, expert witness for the leasing industry for thirty years and can be reached at leaseconsulting@msn.com or 502-327-8666.
He invites your questions and queries.
[headlines]
--------------------------------------------------------------
Top Stories----November 12-17
Here are the top ten stories most "opened" by readers last week.
(1) GE Commercial GM & VP Dental Sales going bye-bye
http://www.leasingnews.org/archives/November%202006/11-13-06.htm#gecf
(2) Marlin Press Release on Stock
http://www.leasingnews.org/archives/November%202006/11-17-06.htm#mbs
(3) NetBank Not for Sale
http://www.leasingnews.org/archives/November%202006/11-13-06.htm#netbank
(4) "Small Ticket Business Off" by Christopher Menkin
http://www.leasingnews.org/archives/November%202006/11-17-06.htm#small
(5) 870,000 Marlin Shares for Sale
http://www.leasingnews.org/archives/November%202006/11-15-06.htm#marlin
(6) Leasing 102--"Purchase Orders" by Mr. Terry Winders
http://www.leasingnews.org/archives/November%202006/11-13-06.htm#102
(7) Cartoon—“I’d love to get another job"
http://www.leasingnews.org/archives/November%202006/11-13-06.htm#toon
(8) Leasing and Sox Compliance
http://www.leasingnews.org/archives/November%202006/11-15-06.htm#sox
(9) Commitment to Lease Agreements
http://www.leasingnews.org/archives/November%202006/11-15-06.htm#commit
(10) Sales Makes it Happen- by C. Menkin
"Two eyes, two ears, one mouth"
http://www.leasingnews.org/archives/November%202006/11-15-06.htm#sales
[headlines]
--------------------------------------------------------------
[headlines]
--------------------------------------------------------------
### Press Release ###########################
( Glenn R. Mason,co-founder of New England Capital Corporation in 1983; executive vice president and chief operating officer for 17 years, will serve as president.)
FNBL forms subsidiary to offer middle-market equipment leases
The First National Bank of Litchfield and its holding company, First Litchfield Financial Corporation, have announced the formation of a new leasing subsidiary operating under the name First Litchfield Leasing Corporation. First Litchfield Leasing will offer middle-market equipment leases ($75,000 to $500,000) to the commercial markets of Connecticut and Massachusetts, as well as to the existing commercial accounts and small business clients of the bank.
Glenn R. Mason, a 30-year veteran in the management of middle market equipment leasing/financing, will serve as president of the leasing company.
Mr. Mason co-founded New England Capital Corporation in 1983 and was executive vice president and chief operating officer for 17 years.
Most recently, he served as senior vice president for TD Banknorth Leasing in New Britain.
Linda Parady will join Mr. Mason in the leadership of First Litchfield Leasing, and will serve as vice president. Bank officials said Ms. Parady has an extensive background in lease and loan documentation.
"The formation of the new leasing operation represents a significant addition to our product offerings, allowing The First National Bank of Litchfield to have a unique niche among community banks as a complete financial source for our business customers," said bank President Joseph J. Greco said.
"First Litchfield Leasing is dedicated to delivering the same commitment to excellence that our customers have benefited from for almost two centuries," Mr. Greco stated.
According to the Equipment Leasing and Finance Association, equipment leasing is a "$220 billion industry with a growing demand among businesses that aim to free working capital while updating technology, expanding capabilities and staying competitive."
"The ability to reap all the benefits of new equipment without the burden associated with equipment ownership is a real appeal," Mr. Mason said.
"We will strive to offer equipment lease solutions that will meet the evolving needs of the local business community," he said.
"First Litchfield Leasing will be structured to offer a full range of leasing products generally available only at the larger leasing entities while at the same time maintaining a customer service focus that is missing in the industry today," Mr. Mason said.
More about the bank:
http://www.fnbl.com/site/info_financials_press.html
[headlines]
### Press Release ###########################
ABSnet Research Roundup
Momentum Builds In Leveraged Super Senior ABS
The pipeline for leveraged super seniors ABS is building, with banks gearing up to launch around a dozen deals for the rest of the year and into 2007. Increased liquidity, more transparent pricing and the growth of index-based products has fuelled interest in leveraged super senior ABS, according to research by Derivative Fitch.
April Kabahar, associate director at Fitch Ratings in New York, said there are several structural features and risks unique to ABS LSS. "ABS notional values can amortize. Early prepayments are beneficial to the structure but late prepayments can have a negative effect," she said. As performing ABS are likely to be upgraded as they approach maturity due to this time decay, weak assets may downgraded at a faster pace closer to maturity, she added.
ABS also suffers from write downs at various points prior to defaulting, and varies from corporate assets where they can default at a given point in time when the corporate issuer defaults. "This makes it more difficult to measure severity in ABS than in corporate assets," she added.
Euro CMBS Set For Record Year
European CMBS issuance volume is headed for another record year, despite light flow over the past month. At $46.4 billion year-to-date, issuance has already topped last year's total of $40 billion, with conduit deals accounting for more than half of this year's volume so far. The CMBS near-term pipeline looks heavy, comprising mostly of conduit paper and also the first ever European CRE CDO from BlackRock, said Ganesh Rajendra, managing director and head of European securitization research at Deutsche Bank.
"CMBS remains one of the very few sectors in the European structured finance market in which the underlying fundamentals remain solid and where talk of 'correction risks' is redundant, at least in the foreseeable term," Rajendra said. "Given this positive backdrop, CMBS credit performance continues to be generally stable, or indeed improving in many cases, measured in terms of portfolio LTVs and/or debt coverage."
[headlines]
### Press Release ###########################
--------------------------------------------------------------
News Briefs----
176 Newspapers to Form a Partnership with Yahoo
http://www.nytimes.com/2006/11/20/technology/20yahoo.html?_r=1&
ref=business&oref=slogin
Microsoft counts on Vista to recharge stagnant stock
http://seattletimes.nwsource.com/html/businesstechnology/2003437957_vista19.html
Universal Sues Fox Over MySpace Downloads
http://www.internetnews.com/bus-news/article.php/3644776
Young people struggle to deal with kiss of debt
http://www.usatoday.com/money/perfi/credit/2006
-11-19-young-and-in-debt-cover_x.htm
[headlines]
---------------------------------------------------------------
You May have Missed---
Foreclosure Filings Increase 42 Percent from October 2005
http://www.prnewswire.com/cgi-bin/stories.pl?ACCT=104&STORY=
/www/story/11-17-2006/0004476774&EDATE=
[headlines]
---------------------------------------------------------------
Sports Briefs----
Patriots pitch a shutout
http://www.boston.com/sports/football/patriots/articles/2006/11/19/
patriots_pitch_a_shutout/
Niners win third straight game as Gore sets a franchise record
http://www.sfgate.com/cgi-bin/article.cgi?f=/c/a/2006/11/20/49ERS.TMP
It's Cowboys over Colts down the stretch, 21-14
http://www.cowboysplus.com/topstorync/stories/112006cpcowlede.21d5aa4.html
Bears get the job done
http://www.chicagotribune.com/sports/football/bears/cs-061119bearsgamer,1,
4040562.story?coll=chi-news-hed
Zero: Panthers shut out Rams in Carolina
http://www.stltoday.com/stltoday/sports/stories.nsf/rams/story/
264D17FEA6CD217E8625722B0075A79B?OpenDocument
Tomlinson scores four TDs — again— in 35-27 win at Denver
http://www.usatoday.com/sports/football/games/2006-11-19-chargers-broncos_x.htm
Giant Mistake
http://www.nypost.com/seven/11192006/sports/giants/giant_mistake_giants_.htm
Late rally dooms Raiders
http://www.contracostatimes.com/mld/cctimes/sports/16049837.htm
Ravens hand Falcons third loss in a row
http://www.ajc.com/sports/content/sports/falcons/stories/2006/11/19/1120falcons.html
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“Gimme that Wine”
Malbec in the driver's seat
http://www2.townonline.com/swampscott/opinion/view.bg?articleid=615672
Kirin Brewery to Buy Mercian for 24.8 Billion Yen
http://www.bloomberg.com/apps/news?pid=20601101&sid=a2CF6fTZdD0E&refer=japan
Grape gobbler sets world record
http://www.news.com.au/dailytelegraph/story/0,22049,20769030-5001028,00.html
Substance in red wine found to combat obesity, diabetes
http://www.sfgate.com/cgi-bin/article.cgi?f=/c/a/2006/11/17/MNG7VMEKH61.DTL
Wine Prices by vintage
http://www.winezap.com
http://www.wine-searcher.com/
US/International Wine Events
http://www.localwineevents.com/
Winery Atlas
http://www.carterhouse.com/atlas/\
Leasing News Wine & Spirits Page
http://two.leasingnews.org/Recommendations/wnensprts.htm
The London International Vintners Exchange (Liv-ex)
is an electronic exchange for fine wine.
http://www.liv-ex.com/
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Calendar Events This Day
Mexico: Revolution Day
Anniversary of the social revolution launched by Francisco I. Madero in 1910. A National holiday.
Name your PC Day
Hey, why not? People name their boats! There are a lot more PCs than boats these days. www.wellcat.com
United Nations: Universal Children’s Day
Designated by the United Nations General Assembly as Universal Children’s Day. First observance was in 1953. A time to honor children with special ceremonies and festivals and to make children’s needs known to governments. www.un.org
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Next to Warsaw, Chicago has the largest Polish population in the
world.
http://apps.cmalliance.org/churches/intercultural/population.htm
http://www.allied-media.com/ETHNICTV/polish.htm
http://www.catholicity.com/encyclopedia/p/poles_in_united_states.html
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Today's Top Event in History
1962-Lifting of the naval blockage of Cuba was announced by President Kennedy, following assurances by Premier Khrushchev that all Soviet jet bombers in Cuba would be removed within 30 days.
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This Day in American History
1620-The first child born of English parents in New England was Peregrine White, born on board the Mayflower off Cape Cod harbor. He was the son of Susanna and William White.
1775- Forks of Tar River, North Carolina, changed its name to Washington in honor
of General Washington and his fight for the United Colonies.
1776- the Continental Congress authorized the building of the US
Navy first ship, America, which was to be commanded by John Paul Jones. On September 23, 1782, the America was presented to King Louis XVI of France in appreciation of his country’s assistance during the Revolutionary War.
1711- the first Sperm whale captured at sea was captured by a whaling vessel out of Nantucket, MA. This was the beginning of an industry that numbered over 700 vessels by 1846.
1715-Whaling expedition on record set sail from Nantucket, MA, about 1715. Six sloops, of 30 to 40 tons burden each, returned with cargoes amounting to 600 barrels of oil and 11,000 pounds of bone, the total value of which was £1,100 sterling. There were whaling trips by single boats prior to this expedition.
1726-Birthdy of Oliver Wolcott, signer of the Declaration of Independence, Doctor, sheriff, judge, soldier. Continental Congress (1776-1777). Lieutenant Governor of Connecticut (1786-1796). Governor (1797). born Windsor, CT. Died Dec. 1, 1797, at Litchfield, CT.
http://www.oliverwolcott.com/
Nov 20
1776 Hessians capture Fort Lee, NJ
http://faculty.njcu.edu/ckarnoutsos/revolutionarywar.htm
http://www.patriotresource.com/battles/trenton/page1.html
http://www.njreporter.org/NJH200204/njr_trenton_princeton1.html
1789- New Jersey became the first state to ratify 10 of the 12 amendments to the US Constitution proposed by Congress. These 10 amendments came to be known as the "Bill of Rights."
http://www.magnacartaplus.org/usa-rights/#billofrights
1819- The first ship sunk by a whale was the whaler Essex, which sailed from Nantucket, MA, on August 12, 1819, headed for the whaling grounds off the coast of Chile. According to the account of first mate Owen Chase, on November 20, 1820, the Essex was hunting sperm whales at latitude 0 degrees 40 minutes 5, longitude 119 degrees W, when an enraged bull whale rammed the ship twice and capsized it. The crew escaped in open boats, but only five of them survived the 4,SOO-mile journey to Peru, which took 83 days. The story of the Essex was one of the inspirations for Herman Melville’s novel “Moby Dick.”
1862- Confederate army of Tennessee, organizes under Gen Braxton Bragg
http://www.civilwarhome.com/braggbio.htm
http://www.ngeorgia.com/people/braggb.html
http://www.civilwarhome.com/CHMbraggbio.htm
http://users.aol.com/cinticwrt/bragg.html
1864- Nearly a week into the famous March to the Sea, the army of Union General William T. Sherman moves toward central Georgia, destroying property and routing small militia units it its path. Advanced units of the army skirmished with scattered Rebel forces at Clinton, Walnut Creek, East Macon, and Griswoldville, all in the vicinity of Macon. The march began on November 15 and ended on December 21, 1864. Sherman led 62,000 troops for 285 miles across Georgia and cut a path of destruction more than fifty miles wide. He divided his force into two columns and widened the swath of destruction. The Yankees cut away from their supply lines at Atlanta and generally lived off the land. What they did not consume, they destroyed. More than 13,000 cattle fell into Union hands, as well as 90,000 bales of cotton and numerous sawmills, foundries, cotton gins, and warehouses. The March to the Sea devastated Southern morale and earned Sherman the lasting hatred of many Southerners.
1866—Formation of Howard University.
http://memory.loc.gov/ammem/today/nov20.html
1866-The first bicycle with a rotary crank was patented by Pierre Lallemont. It was known as a “bone shaker.” He rode on it from Ansonia, CT, to New Haven, CT. the fore wheel was axled to the jaws of a depending bar, which was pivoted in the frame, and turned by a horizontal level bar, which was revolved by a treadle crank.
1889-Birthday of Edwin Powell Hubble, American astronomer born at Marshfield, MO. His discovery and development of the concept of an expanding universe has been described as the “most spectacular astronomical discover” of the 20th century. As a tribute, the Hubble Space Telescope, deployed April 25, 1990, form a US Space Shuttle Discovery, was named for him. The Hubble Space Telescope with a 240-centimeter mirror, was to allow astronomers to see farther into space than they had ever seen from telescopes on Earth. Hubble died at San Marino, CA, September 29, 1953.
1900 - a major tornado outbreak in Arkansas, Mississippi and Tennessee killed 77 people. Two F4 tornadoes accounted for most of the deaths
1910-Today it is a national holiday in Mexico. Francisco I. Madero launched a social revolution in Mexico.
1910-Birthday of trumpet player Franc Williams, McConnels Mills, MA.
1914 - The high temperature of 28 degrees at Atlanta, GA, was their earliest daily high below the freezing mark.
1919- “Swede “ Myerhofer landed his plane and christened the first airport owned by a city, Tucson Municipal Airport, located east of Tucson, Arizona.
1920-Birthday of trumpet player Joe Guy, Birmingham, AL Died, 1962.
1923-African-American Garrett T Morgan patents the traffic signal.
Founder of the “Cleveland Call” newspaper, he became a wealthy man, and also holds many patents for many inventions.
http://education.dot.gov/aboutmorgan.html
http://www.enchantedlearning.com/inventors/page/m/morgan.shtml
1925-Birthday of Robert Kennedy, the US Senator and younger brother of John F. Kennedy ( thirty-fifth president), Brookline, MA. History shows him as the only US Senator to also have a brother
who was president Robert Kennedy was killed by Sirhan Sirhan while campaigning for the presidential nomination. When I worked at ABC-TV West Coast News, I covered the afternoon Sirhan trail, seating only a few feet from him. I had interviewed both Kennedy brothers as a newsman.
1925 June Christy Birthday
http://www.belten.freeserve.co.uk/misty/june.htm
1931-The American Telegraph and Telephone Company introduced the first teletype commercial service. Messages were typed on tape and transmitted automatically to a central office and retransmitted to their destinations. The charges were based on the time required to transmit each message, , not on the number of words.
1943- The US began it during the night by attacking the Gilbert Islands, particularly the islets of Betio and Makin. The Japanese had heavily fortified the Tarawa chain of atolls, especially Tarawa, with pillboxes, blockhouses and ferroconcrete bombproof. In the eight days it took the 5th Amphibious Corps, 2nd Marine Division and the 27th Infantry Division to take the Tarawa and Makin Islands, 1,000 US soldiers were killed and 2.311 wounded. The Japanese loss was tallied at 4,700 men killed, 17 wounded captured and 129 Koreans surrendered. The US public, who through censorship previously had been kept in the dark about the human cost of the war, was appalled by casualty figures and photographs from the battle offensive against Japan in the Central Pacific (Operation Galvanic).
1944- Les Brown, with Doris Day, records “ Sentimental Journey.”
1945-The International Military Tribunal begins trying German war criminals at Nuremberg. The trial, which lasted 78 days, attempted to hold Nazi and German military officials accountable for atrocities including the massacre of 30,000 Russians during the German invasion and the massacre of at least 50,000 people in the Warsaw Ghetto. Twenty-four defendants were tried, including Hermann Goering, the designated successor to Hitler, and Rudolf Hess, Hitler's personal secretary. All defendants pleaded not guilty to the charges. When one of the defendants demanded that an anti-Semitic lawyer represent him, an ex-Nazi was assigned to his defense. Because of the mountains of evidence and the many languages spoken by the defendants and prosecutors, the trial was beset with logistical problems. During the proceedings, Rudolf Hess feigned amnesia to escape responsibility. Though many expected the most excitement to arise from the cross-examination of Hermann Goering, his testimony was a letdown: he was even attacked by his fellow defendants for refusing to take responsibility for anything. Twenty-one defendants were convicted: 12 were sentenced to hang, and the rest were sent to prison. One man escaped the hanging by remaining at large while Goering escaped by committing suicide first. On October 16, 1946, 10 Nazi officials were hanged.
1945- the first session of the German war crimes trials , known as the Nuremberg Trials, started at Berlin this day in 1945 with indictments against 24 former Nazi leaders. Twelve were sentenced, one committed suicide during the trial, and another was excused because of his physical and mental condition. The trial lasted more than ten months.
1947 - The first network presentation of "Meet the Press" aired on NBC-TV (consisting of two stations). The panel interview program became the longest-running series on network television. Today the interviewing is by one man, Tim Russert, and “If this is Sunday, it Must be Meet the Press....Go, Bills.”
http://www.msnbc.com/onair/bios/t_russert.asp
1950 - U.S. troops push to the Yalu River, within five miles of Manchuria.
1951—Top Hits
Because of You - Tony Bennett
Down Yonder - Del Wood
Slow Poke - Pee Wee King
Sin (It’s No) - Eddy Howard
1952-A struggling Frank Sinatra agrees to a screen test for a role in From Here to Eternity. The movie will win him an Academy Award for Best Supporting Actor and revive his flagging career. Frank Sinatra was born in New Jersey in 1915. He formed a singing quartet in his teens; the group won a popular radio talent show in 1935 and began touring small nightclubs. In 1940, Sinatra joined the Tommy Dorsey Orchestra and began topping the charts. Sinatra soon became a popular screen actor, but after his vocal chords suffered damage in 1952, his career took a drastic downturn. His talent agency dropped him, and he had to plead with movie producers to cast him, agreeing to do screen tests despite the fact that he was already a well-known performer. He won the role in From Here to Eternity (1953) but was paid only $8,000. However, the role and the Academy Award he won helped resurrect his career.
1955 - The Maryland National Guard is ordered desegregated.
1959—Top Hits
Mr. Blue - The Fleetwoods
Don’t You Know - Della Reese
Heartaches by the Number - Guy Mitchell
Country Girl - Faron Young
1961-Billboard reports on the global Twist Craze: WOR-TV, New York, has shot a series of one and five minute "Twist Lessons" with Chubby Checker to be shown hourly every day. Checker has also been inked for a British-American film production; Joey Dee & the Starlighters, whose album, "Doin' the Twist at the Peppermint Lounge" is released this week, have signed for the Paramount film, "Hey, Let's Twist"; Dion has signed to star in Columbia's "Twist Around the Clock"; and in France there are 45 different "Twist" records on the the market.
1962-Lifting of the naval blockage of Cuba was announced by President Kennedy, following assurances by Premier Khrushchev that all Soviet jet bombers in Cuba would be removed within 30 days.
1962-An executive order prohibiting racial discrimination in housing built or purchased with federal funds was signed by President Kennedy.
1962-The Four Seasons' "Big Girls Don't Cry" is released on Vee Jay Records. It goes up to Number One, as does their first (and current) hit, "Sherry." Both songs feature lead singer Frankie Valli's falsetto.
1966 - "Cabaret" opened on Broadway for the first of 1,166 stellar performances. Joel Gray starred in the hugely successful musical that is an adaptation of both the play, "I Am a Camera", and the novel, "Goodbye to Berlin".
1967 - U.S. census reports the population at 200 million.
1967—Top Hits
To Sir with Love - Lulu
Soul Man - Sam & Dave
Incense and Peppermints - Strawberry Alarm Clock
It’s the Little Things - Sonny James
1969-In the United States, Seymour Hersh, an independent investigative journalist, files a second My Lai story based on interviews with Michael Terry and Michael Bernhardt, who served under 1st Lt. William Calley during the action that was later dubbed the My Lai massacre. Also on this day, the Cleveland Plain Dealer published explicit photos of the dead at My Lai. The American public was stunned. Hersh broke the story earlier in the month, describing how soldiers from the American Division conducting a sweep of My Lai indiscriminately shot people as they ran from their huts, and then systematically rounded up the survivors, allegedly leading them to a ditch where they were executed per Calley's orders.
Despite the fact that an Army board of inquiry found that 30 persons either participated in the atrocity or knew of it and failed to do anything, only 14 were charged with crimes. All eventually had their charges dismissed or were acquitted, except Calley, who was found guilty of murdering 22 civilians and was sentenced to life imprisonment. His sentence was reduced twice and William Calley gained parole in November 1974.
1969
American Indians seized and occupied Alcatraz Island
1971-"Inner City Blues" becomes the third R&B Number One single from Marvin Gaye's, "What's Goin' On" album. The others are the title track and "Mercy, Mercy Me." The LP represents the first time a major Motown artist has taken a public stand on controversial social issues.
1975—Top Hits
Island Girl - Elton John
Who Loves You - Four Seasons
That’s the Way (I like It) - KC & The Sunshine Band
Are You Sure Hank Done It This Way - Waylon Jennings
1976- Woody Herman Band plus alumni play Carnegie Hall on their 40th anniversary ( RCA BGL2-2203)
1978 - In Jonestown, Guyana, American Rev. Jim Jones leads his followers in a mass suicide. Indiana-born, 47-year-old Reverend Jim Jones, leader of the “Peoples Temple,” was reported to have directed the suicides of more than 911 persons at Jonestown, Guyana. US Representative Leo J. Ryan, of California, and four members of his party were killed in ambush at Port Kaituma airstrip on Nov 18, 1978, when they attempted to leave after an investigative visit to the remote jungle location of the religious cult. This day, Jones and his mistress killed themselves after watching the administration of Kool-Aid laced with the deadly poison cyanide to members of the cult. At least 913 persons died in the biggest murder-suicide in history.
1979-The first transfusion of artificial blood took place at the University of Minnesota Hospital, Minneapolis, MN. The patient was a Jehovah’s Witness who on religious grounds refused a transfusion of real blood. Dr. Robert Anderson injected the patient with Fluosol, an artificial blood substitute developed in Japan.
1982- The University of California football team defeated Stanford University, 25-20, on a most unusual last play. Stanford was ahead, 20-19, and had to kick off with only a few seconds left. The Cal players knew that if any of them were tackled, the game would be over. They began a unscripted series of five laterals that landed them in the end zone after they dodged all the Stanford players and the Stanford band which had rushed onto the field prematurely. The Stanford band today is quite unique and iconoclast, it is said due to this event of losing the game because they came on the field too early in celebration of the “victory.”
1983 -- John Riggins sets an NFL record by rushing for a touchdown in his 12th straight game. The score is his record-tying 19th rushing touchdown of the year. The streak ended at 13 consecutive games while Riggins went on to establish an NFL record with 24 touchdowns for the year.
1983—Top Hits
All Night Long (All Night) - Lionel Richie
Say Say Say - Paul McCartney & Michael Jackson
Uptown Girl - Billy Joel
One of a Kind Pair of Fools - Barbara Mandrell
1984 - The largest crowd to see the unveiling of a Hollywood Walk-of-Fame star turned out as Michael Jackson got his piece of the sidewalk right in front of Mann’s Chinese Theatre in Los Angeles. ‘The Gloved One’ became star number 1,793 on the famed walk.
1988 - Thunderstorms developing ahead of a fast moving cold front produced severe weather in the Upper Ohio Valley and the Middle Atlantic Coast Region during the afternoon and early evening. Thunderstorm winds gusted to 69 mph at Kennedy Airport in New York City, and winds along the cold front itself gusted to 56 mph at Cincinnati OH. The same storm produced snow in Kansas, Missouri and Illinois, with eight inches reported at Rolla MO.
1989 - An unusual out-of-season severe outbreak occurred across the northeast with 193 reports of damaging winds in New York, Pennsylvania and New Jersey. Winds gusted to 94 mph at Newburgh, NY, 86 at Harrisburg, PA and Hammonton, NJ. Tornadoes touched down at McAlveys, NY and Seaside Park, NJ
1990- Due to his unruly behavior toward the umpires in Game 4 of the ALCS, Roger 'the Rocket' Clemens is suspended for the first five games of the 1991 season and is fined $10,000.
1991---Top Hits
Cream - Prince & The N.P.G.
Can’t Stop This Thing We Started - Bryan Adams
When a Man Loves a Woman - Michael Bolton
Shameless - Garth Brooks
1997- A.C. Green of the Dallas Mavericks set an NBA record for consecutive games played, 907, when he took the floor for the Mavericks’ game against the Golden State Warriors. Green began his streak on November 19,1986, when he played for the Los Angeles Lakers. It continued as he moved to the Phoenix Suns and then to the Mavericks. his accomplishment was noted with an elaborate halftime ceremony that included appearances by Randy Smith, the man whose record Green broke, and baseball’s iron man, Cal Ripken.
2001- Ichiro Suzuki becomes only the second player in major league history to win the Most Valuable player Award in the same year as being selected Rookie of the Year. The 28-year- old Mariner outfielder joins Red Sox freshman outfielder Fred Lynn, who accomplished the feat in 1975, as the only other rookie to win the MVP.
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American Football Poem
Robert William Service -
Carry On
It's easy to fight when everything's right,
And you're mad with the thrill and the glory;
It's easy to cheer when victory's near,
And wallow in fields that are gory.
It's a different song when everything's wrong,
When you're feeling infernally mortal;
When it's ten against one, and hope there is none,
Buck up, little soldier, and chortle:
Carry on! Carry on!
There isn't much punch in your blow.
You're glaring and staring and hitting out blind;
You're muddy and bloody, but never you mind.
Carry on! Carry on!
You haven't the ghost of a show.
It's looking like death, but while you've a breath,
Carry on, my son! Carry on!
And so in the strife of the battle of life
It's easy to fight when you're winning;
It's easy to slave, and starve and be brave,
When the dawn of success is beginning.
But the man who can meet despair and defeat
With a cheer, there's the man of God's choosing;
The man who can fight to Heaven's own height
Is the man who can fight when he's losing.
Carry on! Carry on!
Things never were looming so black.
But show that you haven't a cowardly streak,
And though you're unlucky you never are weak.
Carry on! Carry on!
Brace up for another attack.
It's looking like hell, but -- you never can tell:
Carry on, old man! Carry on!
There are some who drift out in the deserts of doubt,
And some who in brutishness wallow;
There are others, I know, who in piety go
Because of a Heaven to follow.
But to labour with zest, and to give of your best,
For the sweetness and joy of the giving;
To help folks along with a hand and a song;
Why, there's the real sunshine of living.
Carry on! Carry on!
Fight the good fight and true;
Believe in your mission, greet life with a cheer;
There's big work to do, and that's why you are here.
Carry on! Carry on!
Let the world be the better for you;
And at last when you die, let this be your cry:
Carry on, my soul! Carry on!
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SuDoku
The object is to insert the numbers in the boxes to satisfy only one condition: each row, column and 3x3 box must contain the digits 1 through 9 exactly once. What could be simpler?
http://leasingnews.org/Soduku/soduko-main.htm
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