|    
          
            | 
                
                
                   Seeking 2 Years + Experience, Vendor Focus PreferredWell Established Funding Sources
 Nearly 15 Years Reputation for Performance
 Large Commission Structure
 with the Right Book of Business
  Confidential Interview: Sarah WestonResume: jobs@taycor.com, (310) 895-7718
 |  Monday, November 30, 2009
 
  Dick  Clark with Johnny Mathis, October 15, 1957*
 
					        
					          | Longtime  host of "American Bandstand," Richard Wagstaff "Dick"  Clark born November 30, 1929 Mount Vernon, NY, perhaps considered  "America's Oldest Teenager." 1952 hosted "Bandstand"  in Philadelphia, taking over "American Bandstand" 1957  until October 7, 1989. *(Mathis  released two singles in 1957, "Wonderful, Wonderful" and  "It's Not For Me To Say," and the following year, "Chances  Are." His album, Johnny's Greatest Hits (1958), the first of the  greatest hits albums, remained on the charts a record 490 weeks. Many  great singers were introduced first by Dick Clark on "American  Bandstand")
 http://www.imdb.com/name/nm0163863/
 |  Headlines--- 
					        Pictures  from the PastBalboa  Capital Christmas Party 1991 & 1992
 Classified  Ads--- Asset Management
 Please  join the Leasing News Salvation Army Team
 Bank  Beat---Hillcrest Bank, Hillcrest Bank Leasing
 Dubai  and its Debt—by Christopher Menkin
 “It  is so slow…” new Contest submissions
 October  Leasing News “The List”
 Leasing  News Top Stories-November 23-27
 Classified  Ads---Help Wanted
 Cartoon---  Privatizing the President
 Leasing  102 by Mr. Terry Winders, CLP
 Type  of Lease Margins
 Fort  Collins, Colorado--Larimer Humane Society
 News Briefs----
 Georgia  Bank failures more costly than earlier wave
 Ga.  banks expect more scrutiny of pay, perks
 Washington  Banks recovering, Some not
 MGM  gambles on $8.5 billion Vegas project
 Tiger  Woods: Injuries Caused by Wife, Not SUV
 You May have Missed---
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 "Gimme that Wine"
 Today's Top Event in History
 This Day in American History
 Football Poem
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				     Pictures  from the PastBalboa  Capital Christmas Party 1991 & 1992
  1991  --  Top row Left to Right – David Lean, Greg Miller, Shawn Giffin,
 Richard  McNiven, Jim Raeder, Dan Bassett
 Bottom  – Mark McQuitty, Steve Blokdyk
  1992  --  Top row Left to Right – Greg Miller, Jerome Riddle, Bob  Skibinski, Scott Hamburg
 Bottom  – Eric Evan, Dan Bassett, Pat Byrne
 
  Pat  Byrne, Shawn Giffin, Jim Raeder and Mark McQuitty all worked at  Amplicon before Balboa. To readers who are not aware, Amplicon is  considered the "*****" of Southern California leasing  companies. Byrne  and Giffin started Balboa Capital as partners and Jim Rader and Mark  McQuitty went on to start Republic Leasing of Southern
 California,  sold to SierraCities, then they started CapitalWerks and also  purchased Preferred Leasing, then were arrested in Operation Lease  Fleece.  Both await sentencing to Federal prison.
 What  happened to the rest of those in the photograph? Reportedly Pat Bryne  told them they could not afford Christmas bonuses like the years  past, so he got everyone sweatshirts with the new Balboa Capital logo  – changed from Balboa Funding Group.  The next month the story goes  they lowered the sales reps’ commission,  Mr. Giffin bought a new  Porsche, Mr. Byrne got a new BMW and started taking helicopter flying  lessons. And the two founders from then on got into a partner fight  that resulted like a divorce, but instead of kids, one ran the  company for a period of time, then the other did, until Mr. Byrne  reportedly made an offer that Mr. Giffin accepted. Both  Byrne and Giffin were contacted to verify the names to the  photographs and make any comment, but none was received. Pictures  from the Past Collection:http://www.leasingnews.org/pictures_past/past_INDEX.htm
 ((Please Click on Bulletin Board to learn more information))
(Leasing News provides this ad “gratis” as a means
to help support the growth of Lease Police)
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  Bank  Beat---Hillcrest Bank, Hillcrest Bank Leasing
 Dubai  and its Debt—by Christopher Menkin
 
 
    Hillcrest  Bank Leasing, Overland Park, Kansas, under the direction of Chuck  Cannata, SVP, Commercial Leasing, reportedly with 125 employees  involved primarily in the Southeast marketplace is doing well  promising good rates, no "Evergreen" lease options or  splitting "Evergreen" lease payments with vendors.  The  company does not  take broker business. June  27, 2007 SunBridge Capital and Hillcrest Bank announced an agreement  regarding majority ownership by the bank.   From  Leasing News Archives, June 27, 2008:"Tom  Davies, the CEO of Hillcrest Bank in Overland Park, Kansas stated the  agreement last June, 2007 to purchase a majority ownership in  SunBridge did not go ahead. He stated that several Hillcrest Bank  officers personally invested, and due to that, the bank could not  engage in a lending relationship. He said he was not aware of any  difficulties with Sun Bridge Capital."
 March  20, 2009 SunBridge Capital filed Chapter 11 Bankruptcy, which was  converted on May 21, 2009 to Chapter 7.  Security Bank of Kansas City  was the largest creditor. When  Hillcrest Bank of Florida was closed by the FDIC, Hillcrest Bank,  Overland Park, Kansas issued a press release stating, "On  Friday, October 23, 2009 Hillcrest Bank Florida, located in Naples,  Florida, was closed by federal regulators. The FDIC announced that  Stonegate Bank, Fort Lauderdale, Florida has agreed to assume all  deposits and purchase $28 million of the failed bank's assets. The  FDIC will retain the remaining assets for later disposition. Hillcrest  Bank Florida is a separate financial institution and is not  affiliated with nor owned by Hillcrest Bank, Overland Park, KS. Some  private individuals with minority investment in Hillcrest Bank,  Overland Park, KS had investment in Hillcrest Bank Florida." What  they did not mention was a October 21,2009 Cease and Desist Order for  Hillcrest Bancshares, parent of Hillcrest Bank, Overland Park,  Kansas. (1)  The  Kansas City Star October 24, 2009 reported: "A Florida bank with  Kansas City ties failed Friday. Hillcrest Bank Florida opened in  August 2006 as an "affiliate sister bank" to Overland  Park-based Hillcrest Bank. Its investors and board members included  some owners and directors of the Kansas City bank. The Florida bank's  capital backing had been severely depleted by midyear, the most  recent date for which information is available."   October  28, the FDIC and Hillcrest Bancshare entered into an agreement  barring the company from paying dividends or issuing debt without  prior regulatory approval.  The  company must also submit a plan to maintain sufficient capital  ratios.   The FDIC #22173 filing reports     Hillcrest as of September 30, 2009 had 187 full time employees with 42 offices     in four states; Colorado, Kansas, Missouri, Texas. The banks Tier 1 ratio is     under 10%: 6.96%. Equity from September 30, 2008 to September 30, 2009 has     gone from $171 million to $114 million; net profit from $9.2 million profit to     a $42.5 million loss; net operating income currently a minus $45.1 million.     Charge offs in the same period went from $13.377 million to $54.3     million.  There is certainly good reasons why the FDIC has issued Cease     and Desist orders. For further information, read both Cease and Desist     orders. 
  
    October  	21, 2009 Cease and Desist Order:http://leasingnews.org/PDF/Hillcrest_Cease_and_Desist_Order.pdf     
  
    October  	28, 2009 FDIC agreement:http://leasingnews.org/PDF/Hillcrest%20_October_28_agreement.pdf
 Hillcrest  Bank Leasing Listing “Funder A”http://www.leasingnews.org/Funders_Only/Funders.htm#hillcrest
 Hillcrest  Bank/SunBridge Capitalhttp://www.leasingnews.org/archives/June%202007/06-27-07.htm#hill
 
 Purchase  of SunBridge Capital did not go aheadhttp://www.leasingnews.org/archives/June%202008/06-27-08.htm#prob
 SunBridge  Capital Pushed into Chapter 11http://www.leasingnews.org/archives/April%202009/04-08-09.htm#sun
 Looks  like SunBridge has shut down http://www.leasingnews.org/archives/March%202009/03-04-09.htm#sun
 
 Dubai  and its debt
 The  United Arab Emirates central bank said Sunday it would make fresh  funding available to local banks if needed, but didn't offer specific  support to Dubai, raising worries of a rift between the struggling  city-state and the U.A.E.'s federal government.  The  overbuilding to the world's airline hub and tourist attraction was a  dream and now a nightmare.  Those that saw the high rise buildings,  indoor skiing, and all the outlandish, very expensive hotel rooms  were amazed, wondering where the clients would come from. It  wasn’t like Hawaii with a warm climate on its beaches nor the diversity  of Hong Kong or charm of Europe or even a tourist attraction destination.   It  appears the developers as well as the government now admit they do not  have the ability to make timely payments. Whether  member countries themselves will step out of the group for  help is not known, although several signs are certain countries such  as Abu Dhabi may. And the timeliness of payments is yet to be  seen.   Accordingly  the United Arab Emirates up to $123 billion is owed: European banks  hold 72%, with the United States and Japan holding 9% and 7% of the  exposure. France and Germany each account for around 9%. The largest  non-Arab creditor are United Kingdom banks with 41% of the 72%. Talks  that this will not greatly impact US Banks are quite premature. Certainly  oil prices will go up from the Middle East to defray the cost  to UAE as well as costs of other investments. As important, the  banking network is world wide and a change in this magnitude will  have more repercussions than a bump on the road or a ripple on a  pond. Reminds  me of the advice, “Cheer up, things could be worse.”  Sure enough,  I cheered up…and things got worse.  Definitely  we need more “humor” in our business and personal life.                Christopher  Menkin, editor [headlines] --------------------------------------------------------------
 
	  “It  is so slow…” new Contest submissions 
 Main  winner gets a bottle of vintage Duckhorn Merlot or  South San Francisco See's 2lb Chocolate with runners up also  receiving 1lb box.
 Not  all the submissions make the contest.   It also should be pointed  out, as some readers did, just because you are sending in this one  line joke, doesn't mean business is slow for you or your company.   Looking for some humor instead of all the depressing news.
 Mostly  chronological order:
 "It's  so slow I just made a sales call to Sheldon Player.""It's  so slow I'm thinking about setting up a vendor program for  NorVergence."
 
 Rob  Milhouse 
 "It's  so slow... I listen to Muzak for excitement."  Bruce  Block Koch  Financial
 "It's  so slow my dog kicked me when I walked in the door."
 John  Snyder "It  is so slow that the 'Chariots of Fire' theme song plays when  documents come in."
 Bob  Kantor VP -  Senior Client Manager
 Healthcare  Financial Services
 "It’s  so slow I am working on deals that I know will never be approved just  so I have something to work on."
 Daniel  BishopFirst  Choice Commercial Funding, Inc.
 Snohomish,  Washington
 "It's  so slow that approvals are delivered by hand." Paul  Bent, PrincipalThe  Alta Group, LLC
 Long  Beach, California
 "It's  sooooo slow that I just got a decline from Denrich Leasing!"  Herb  SpanierSunbelt  Lessors, Inc.
 "It’s  so slow it takes 90 days to issue an approval good for 60 days!"  Bob  Robichaud, CLPVice  President Leasing Relations
 Commerce  National Bank
 Fullerton,  California
 
 "It  is so slow I can’t afford my free checking."
 Tim  Cetto "It  is so slow the mailman thinks we moved."  Jerry  Lean
 "It’s  so slow that Leasing news is running a contest about 'It’s so  slow……'." Jerry  ChristensenVP,  Comm'l. Loans & Equip. Finance
 Liberty  Bank of Washington
 "It  is so slow that I actually have time to read Scott Wheeler’s  amazing sales technique emails"
 Adrian  DalseySr.  Account Manager
 Libertycapitalgroup
 Previous  Contest Submissions:http://leasingnews.org/archives/November%202009/11-25-09.htm#contest
 [headlines] --------------------------------------------------------------
 
  October  Leasing News “The List” 
 These  are additions to both the Alphabetical and Chronological ---  Mergers, Acquisitions & Changes: "The Good, the Bad and the  Ugly"- For  a full Chronological listing with history, please go herehttp://www.leasingnews.org/list_chron_new.htm
 
 This  is the “synopsis” for October:
 Bluestar  Financial Group, Inc.,  Richland, Washington-OTCBB:BSFG -(10/09) Entering small ticket  marketplace, net worth/profit very small:http://www.nasdaq.com/asp/ExtendFund.asp?symbol=BSFG&selected=BSFG
 
 TCF  Financial (10/09) Leasing  income was reported as "flat," up only $13.78 million,  $2.811 billion compared to second quarter of $2.809 billion Tygris  Commercial Finance Group,  Chicago, Illinois (10/09) Mergers with EverBank Financial,  Jacksonville, Florida, to bring $65 capital injection Concord  Financial Services, Long  Beach, California (10/09) Moe Essa, President, informs Leasing News  he has closed his company doors. GE  Capital (10/09) "we  are shrinking GE Capital faster than we had planned,” Jeff Immelt,  Chairman & CEO, confessing in telephone conference call.
 Direct  Capital Corporation,  Portsmouth, N.H. (10/09) Exits the broker business marketplace.  (10/09) let's  people go, now down to 200. Brican  America, Miami, Florida  (10/09) Sued over its leasing portfolio sold to a bank regarding  "marketing agreement" not disclosed as part of lease  documents. Reportedly Chuck Brazier trying to sell another one of  Brican's portfolio. His email address: brazier@bricanfinancial.comhttp://leasingnews.org/archives/October%202009/10-05-09.htm#Alert_Brican TechLease,  Morgan Hill, California (10/09) Dr. Eric Paton, founder and owner,  states his business is in a wind down stage and is not accepting any  new business. Alphabetical  List:http://www.leasingnews.org/list_alpha_new.htm
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        Classified Ads---Help Wanted 
          
            | 
                
                
                  Interviewing Leasing Professionals With Proven Track Record and Established Book of Business. Envision Provides: 1) Established Funding Sources, 2) Fun Working Environment, 3) Full Benefits (Health Insurance, 401k), 4) Aggressive Commission Structure. Resumes To: careers@envisioncapitalgroup.com, Contact: Jeff Edwards (949) 225-1712
 Envision Capital Group is dedicated to providing the best in class products and service to our employees, customers, vendors and partners in the small and middle ticket commercial finance industry.  With over 50 years of combined experience we have the knowledge, skills, abilities and relationships to help you reach your goals. |  
          
            | 
                
                
                   Seeking 2 Years + Experience, Vendor Focus PreferredWell Established Funding Sources
 Nearly 15 Years Reputation for Performance
 Large Commission Structure
 with the Right Book of Business
  Confidential Interview: Sarah WestonResume: jobs@taycor.com, (310) 895-7718
 |    
          
            | 
                
                
                   Interviewing Experienced Leasing SalespeopleWith Ability to Develop Vendor Relationships
 52 year old, Family- owned, Self Funded,
 Small Ticket Company
  Resumes to: tgalvin@clune.netwww.clune.net
 |    
          
            | 
                
                
                   Vendor/Dealer Leasing Professional, generous commission's package that can lead to base salary and benefits. Join a sales team that has all the right sales tools for developing a successful vendor program in many different industries.   Chris Chiappetta, Phone: 800-669-7527 ext. 1208, chris@netlease.com
 
 National Machine Tool Financial Corp., funding vendor
 programs since 1986. We offer competitive rates and a
 credit staff dedicated to vendor programs.
 www.netlease.com
 |    
          
            |  |  
            | 5 years experience with established vendor relationships.
                We offer great funding capacity for transactions $10k to $10MM.
                Quail Company's established for over 30 years.
                Submit resume to: jrudin@quailcap.com  About the company: Quail Equipment Leasing  17 years in business with the ability to develop specialized programs for vendors and unique industries: $10K to $10MM.
 
 |  
            |  |   Pease see our Job Wanted section for possible new employees.  --------------------------------------------------------------  
 -------------------------------------------------------------- 
        Leasing  102by  Mr. Terry Winders, CLP
 
 Type  of Lease Margins 
 
Margin  or the profit in a lease can vary greatly because there are so many  variables. A sales staff must understand these variables and know how  they affect the margin so as to be able to maximize income.  The  margin or mark-up in a bargain option lease is the difference between  money costs and the rate offered plus add-ons from closing costs,  fees, timing etc. However the real trick is to know how the margin  changes due to the type of lease or its structure. The structural  changes such as the addition of residual increases the margin because  of a slower reduction of the outstanding balance.  The term of the  lease is a factor for the same reason. A sixty month lease makes more  money than a thirty month lease because the return of the investment  is slower, increasing the time to make money. In addition a seasonal  or irregular payment can increase or decrease margin based on how it  is funded. Occasionally margin is hurt when an irregular payment  stream is funded by a level payment debt or increased if rentals are  received in advance of debt payments. While it is true that a  purchase option for more than the residual also increases margin at  termination it is suspect until it is realized. When  you offer a tax lease the margin becomes the difference between the  rent payment and the allowable MACRS depreciation. Therefore margin  is very tied to the structure. A short term lease on a long term  MACRS term lowers margin because income (the payment) is high and the  expense (depreciation) is low. For the same reason the margin is  higher for long term leases with short term depreciation.  The reason  computer based programs are used in tax leases is to compute the  proper margin with all the variables that effect cash flow, income,  and expense timing.  An irregular rental stream that matches the  lessee’s use of the equipment may be the reason for the lease but  if you do not understand the actual margin your return may be very  different than you believe it to be. Also the tax rules are very  strict and even though you think you have a non-tax lease be careful  because under a tax audit if you have not reported it correctly and  it fits a tax lease requirement the margins and tax consequences are  very different and could be devastating. In short term leases, such  as in data processing, the long term tax depreciation may require the  payment to be increased to maintain the margin not decreased as many  tax leases do. A  non-for-profit lessee poses different problems because the tax  depreciation is straight line and must be at least the old ADR term  or 20% longer than your lease term. The margin can be hurt by this  type of depreciation. This usually puts a burden on the lease  structure to include a larger than average residual to lower the  payments to offset the straight line depreciation. “Or” you  should create a bargain purchase option supported by an outside  authority that it is a bargain option so you can avoid a tax lease  structure. Margins in non-for-profit lessees are very subject to the  lease structure and the income tax effect.  Municipal  leases that are tax free have a lot of the abilities of bargain  option leases if you follow the rules and make sure title passes at  lease termination. The lease must have a guaranteed bargain option or  an automatic ownership transfer at lease termination or it may not be  tax free. The margin is a function of your tax position because if  you do not have an income tax bill then the margin in the lease is  much smaller than the margin in a tax lease that can be sheltered by  losses in other operations. I have seen lots of municipal leases  funded by firms that later in the year took some big income hits and  wound up in a loss for income tax purposes. Municipal margins are  usually small to begin with but really look small in a poor income  year. This  presentation would not be complete if we did not discuss funding. The  real margin usually is helped by proper funding or can be hurt by  poor funding.  Matched funding is usually preferred but as portfolios  grow and funding becomes bank lines with both long term and short  term rates plus some fixed and some variable rates the actual  portfolio margins  can rest on the abilities and expertise of a  management team that must have an “extensive” knowledge of the  debt and equity markets. Most  important is for the sales staff to know how each lease structure  will affect margin and how to maximize income before they give it up  to management to gamble with it.  Mr.  Terry Winders, CLP, 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.
 
 Previous  #102 Columns:http://www.leasingnews.org/Conscious-Top%20Stories/Leasing_102/Index.htm
 
(This  ad is a “trade” for the writing of this column. Opinions 
contained  in the column are those of Mr. Terry Winders, CLP)
       
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 News Briefs---- [headlines] ---------------------------------------------------------------
  You May have Missed---
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				                                 "Gimme that Wine"
				  Wine Prices by vintagehttp://www.winezap.com
 US/International Wine Events
 http://www.localwineevents.com/
 http://www.wine-searcher.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/
 [headlines] ----------------------------------------------------------------
  
 Today's Top Event in History 1931-The  Joy of Cooking is published, perhaps the most popular all-purpose  cookbook, self-published by Irma Rombauer (1877-1962—her son by the  way started Rombauer Winery in Napa making outstanding wine.)  Rombauer’s book was a comforting voice for cooks during the  Depression, and the book grew into an institution. The first  commercial edition of the book appeared in 1936, and it offered a  revolutionary “action format” (chronologically ordered  ingredients followed by instructions) now commonplace in cookbooks.  In reality, she was not a cook, and most of the recipes she collected  from friends and others, and wrote in a style for people who were not  cooks. The  numerous editions overseen by Rombauer and later her daughter and  grandson sold more than 14 million copies. Her son makes some great  Chardonnay[headlines]----------------------------------------------------------------
 
 
 This Day in American History 
 
 
 
 
 
 
 
 
     1729 ---Birth of Samuel Seabury, first bishop of  the American Protestant Episcopal Church. (Following the American  Revolution, Seabury helped formulate the constitution which made the  American Protestant Episcopal Church independent and autonomous from  the Church of England.)1782-The Articles of Peace between Great Britain and the U.S.,  which were to end America's War of Independence, were signed at Paris,  France . The refined and definitive treaty of peace between Great  Britain and the U.S. was signed at Paris, on September 3, 1783. In it,  "His Britannic Majesty acknowledges the United Sates...to be free,  sovereign and independent states; that he treats them as such; and for  himself, his heirs and successors, relinquishes all claims to the  government, propriety and territorial rights of the same, and every  part thereof..." The time delay was not only due to communication by  sea, but time was needed for over 100,000 loyalists to leave the United  States. Also known as Tories, the loyalists suffered various penalties  for their loyalty to the Crown, including confiscation of property,  removal from public office, and punitive taxation. Probably no more  than 10% of the colonials were Tories, who were generally well-to-do,  engaged in commerce, or the professions, or public officials. Many fled  to Canada, where they were granted land if they fought in the British  Army, some to England. Some returned after the war. Many, however, had  remained behind, thinking Great Britain would win the war. After the  conflict, those Tories that did remain were able to recover at least  part some of their confiscated property, according to historians. In  1784 a major depression crippled the U.S. economy, prompting states to  institute separate measures to aid recovery. The hardships suffered  during this depression led to Shay's Rebellion on January 25,1787.
 1810---Birthday  of rifle maker Oliver Fisher Winchester, rifle maker.  His company  acquired rights to manufacture pistols and rifles patented by Tyler  Henry and others. The repeating rifle was in full production by 1860,  and was in heavy demand during the Civil War, during which Winchester  continued to improve the rifle's design by acquiring other patents.  He renamed the company the Winchester Repeating Arms Company in 1866.  A political and philanthropic figure, he was lieutenant governor of  Connecticut (1866–67) and made large donations to Yale.
 1812 -- American forces invaded Canada at Queenston on October 13 and lost.
 British forces under General Brock hurried down the road from  Niagara-on-the-Lake to reinforce the troops at Queenston. When they  arrived, the fight began to warm up and the main body of the American  militia, on the U.S. side, refused to cross the river to back up the  success of their comrades. Their cowardice in abandoning the brave men  who had gone before, and the poor leadership of the American Forces  changed victory to defeat and possibly changed the entire outcome of  the war. General Brock led an attack against the forces on the hill and  was killed by a sniper's bullet in the first charge. U.S. forces were  back again on this date with an army of 5,000 troops assembled near  Buffalo. A small force crossed the river and captured a British  battery. General Smythe demanded the British surrender Fort Erie, when  this was refused, he called off the invasion plan. His men broke their  weapons in frustration and humiliation. Smythe was publicly called a  coward and challenged to a duel by U.S. Col. Peter Proter. He resigned  his command of the frontier, but was dismissed from the army in  disgrace by the Senate. After two years of bloodshed, misguided and  misdirected efforts, the armies were back where they started. There was  no doubt that both sides of the river gave a heartfelt sigh of relief  when the Treaty of Ghent ended the war in December, 1814.
 http://www.goniagarafalls.com/history.html
 1835-Birthday of Samuel Langhorne Clemens, known as “Mark Twain, “  Celebrated American author, whose books include: The Adventures of Tom  Sawyer, The Adventures of Huckleberry Finn and The Prince and the  Pauper. Born at Florida, MO, Twain is quoted as saying, “I came in with  Halley's Comet in 1835. It is coming again next year, and I expect to  go out with it.” He did Twain died at Redding, CT, Apr 21, 1910 (just  one day after Halley's Comet perihelion).
 http://memory.loc.gov/ammem/today/nov30.html
 1854 -- "Fighting Mary" Eliza McDowell born. A social worker, she  helped organize the first women's local union of the Amalgamated Meat  Cutters in 1902. Comprised mostly of women workers, the Local grew to  more than 1,000 members.
 http://www.chicagotribute.org/Markers/McDowell.htm
 http://womenshistory.about.com/library/bio/blbio_mcdowell_mary.htm
 1866-Construction begins on the first underwater highway tunnel,  the Washington Street Tunnel, beneath the Chicago River, Chicago, IL.  The total length of the tunnel and its approaches as 1,520 feet. It was  lowered in 1907 to provide a clear draft of 27 feet in the Chicago  River.
 1874 – Birthday of Lucy Maud Montgomery; Canadian writer, famous  for her juvenile books, especially Anne of Green Gables (rejected by  several publishers) published in 1908, and followed by six sequels.
 http://www.kirjasto.sci.fi/lmmontg.htm
 1875 - A severe early season cold wave set November records.  Temperatures plunged to 5 degrees in New York City, NY, 2 below at  Boston, MA and 13 below at Eastport, ME
 1887-The first softball game was played at the Farragut Boat Club,  Chicago, IL. The game was invented by George W. Hancock, who devised a  set of rules that gradually developed as the game progressed. A  broomstick was used for the bat and a boxing glove for the ball. The  game was known variously as Diamond Ball, Fast Ball, Kitten Ball,  Playground Ball, and recreation Ball. It was named softball by Walter  C. Hakanson.
 1907-Nov 30 or 31 st Disappearance of SF Police Chief William Biggy
 http://www.sfmuseum.org/sfpd/sfpd1.html
 http://www.thejukejoint.com/franksinatrajr.html
 1906-Birthday of John Dickson Carr lives. Pseudonyms Carr Dickson,  Carter Dickson, Roger Fairbairn. American born writer of detective  fiction, whose specialty was "locked-room” puzzles, which he developed  to its limits. Published about 80 mysteries. Fifty of them featured one  of his three detectives - Henri Bencolin, Dr. Gideon Fell, & Sir  Henry Merrivale.
 http://www.kirjasto.sci.fi/jdcarr.htm
 1912-Birthday of Gordon Parks, film director/writer (The Learning  Tree) lives. Photographer for Life magazine, director of "The Learning  Tree" & "Shaft", called a "Twentieth Century Renaissance man" by  the NAACP, who awarded him its Spingarn Medal in 1972.
 1915 - "Brownie" McGee, blues singer and guitarist, born Knoxville,  Tennessee. Best known as part of the duet Brownie McGee and Sonny  Terry. Died February 16, 1996, Oakland, California.
 http://www.island.net/~blues/sonnyter.html
 http://www.bluespower.com/a-bm01.htm
 http://www.imdb.com/name/nm0569185/
 1924-Birthday  of Shirley Chisholm, first black woman to serve in U.S. Congress. Got  legislation passed that guaranteed minimum wages for domestic  workers. Angered the political powers by actively seeking the  presidency, winning 154 delegates. After serving seven terms,  Chisholm retired from Congress in 1982, becoming a professor at Mount  Holyoke College.
 1929-Birthday of Dick Clark, long-time host of “American Bandstand, entertainer, producer, born Mount Vernon, NY.
 1929--Birthday  of Joan Gana Cooney, television producer. After winning an Emmy for  an anti-poverty special in 1966, she raised the funds to found the  Children's Television Workshop which developed and produced Sesame  Street, The Electric Company, and provide home and hearth for the  Muppets.
 1931-- William Ernest “Bill” Walsh birthday, Pro Football Hall of Fame coach, 49ers, Born Los Angeles, CA.
 http://www.sportspublishinginc.com/Titles/Bill-Walsh-Finding.html
 1931 –Trumpet player Jack Sheldon Birthday
 http://www.jacksheldon.com/
 1931-The Joy of Cooking is published, perhaps the most popular  all-purpose cookbook, self-published by Irma Rombauer (1877-1962—her  son by the way started Rombauer Winery in Napa making outstanding  wine.) Rombauer's book was a comforting voice for cooks during the  Depression, and the book grew into an institution. The first commercial  edition of the book appeared in 1936, and it offered a revolutionary  “action format” (chronologically ordered ingredients followed by  instructions) now commonplace in cookbooks. In reality, she was not a  cook, and most of the recipes she collected from friends and others,  and wrote in a style for people who were not cooks. The numerous  editions overseen by Rombauer and later her daughter and grandson sold  more than 14 million copies.
 1933 –Birthday of African-American artist Sam Gilliam, born,  Tupelo, Mississippi. Artist known for unique manipulation of materials  resulting in painted sculpture or suspended paintings. His work was in  the exhibit African-American Artists 1880-1987.
 http://www.ket.org/content/painting/gilliam.htm
 http://www.artcyclopedia.com/artists/gilliam_sam.html
 http://www.crosstownarts.com/CrosstownArts/client_art/sam/sam.html
 1937 –Birthday of Noel Paul Stookey, American folk singer. Stookey  was "Paul" of the 1960s folk trio Peter, Paul & Mary. Converted in  the late 1960s, Stookey is now a Christian recording artist, and  prefers using his "born again" name, “Noel.”
 http://www.peterpaulmary.com/people/nps.htm
 http://www.noelpaulstookey.com/index.html
 http://www.peterpaulmary.com/people/nps.htm
 1938-- Bunny Berigan records Bix Biederbeck's “Davenport Blues.”
 1939-- Dwight David Eisenhower was issued pilot's license No.  93,258 by the Civil Aeronautics Administration. He learned to fly when  he was a lieutenant colonel on General Douglas Macarthur's staff in the  Philippines. He is the only president of the United States to hold an  airplane pilot's license.
 1940-- Charlie Parker cuts first date with Jay McShann Band, Radio KFBI, Wichita, KS, “ I've Found a New Baby.”
 1941-  Japanese Emperor Hirohito consulted with admirals Shimada and Nagano.  Hirohito was deeply concerned by the decision to place "war  preparations first and diplomatic negotiations second" and  announced his intention to break with centuries-old protocol and, at  the Imperial Conference on the following day, directly question the  chiefs of the Army and Navy general staffs — a quite unprecedented  action. Konoe quickly persuaded Hirohito to summon them for a private  conference instead, at which the Emperor made it plain that a  peaceful settlement was to be pursued "up to the last".  Chief of Naval General Staff Admiral Osami Nagano, a former Navy  Minister and vastly experienced, later told a trusted colleague "I  have never seen the Emperor reprimand us in such a manner, his face  turning red and raising his voice." The war preparations  continued without the slightest change.
 1943--OHATA,  ALLAN M. Medal of Honor
 Sergeant  Allan M. Ohata distinguished himself by extraordinary heroism in  action on 29 and 30 November 1943, near Cerasuolo, Italy. Sergeant  Ohata, his squad leader, and three men were ordered to protect his  platoon’s left flank against an attacking enemy force of 40 men,  armed with machine guns, machine pistols, and rifles. He posted one  of his men, an automatic rifleman, on the extreme left, 15 yards from  his own position. Taking his position, Sergeant Ohata delivered  effective fire against the advancing enemy. The man to his left  called for assistance when his automatic rifle was shot and damaged.  With utter disregard for his personal safety, Sergeant Ohata left his  position and advanced 15 yards through heavy machine gun fire.  Reaching his comrade’s position, he immediately fired upon the  enemy, killing 10 enemy soldiers and successfully covering his  comrade’s withdrawal to replace his damaged weapon. Sergeant Ohata  and the automatic rifleman held their position and killed 37 enemy  soldiers. Both men then charged the three remaining soldiers and  captured them. Later, Sergeant Ohata and the automatic rifleman  stopped another attacking force of 14, killing four and wounding  three while the others fled. The following day he and the automatic  rifleman held their flank with grim determination and staved off all  attacks. Staff Sergeant Ohata’s extraordinary heroism and devotion  to duty are in keeping with the highest traditions of military  service and reflect great credit on him, his unit, and the United  States Army.
 1943 - On Capitol Records, Nat ‘King' Cole and his trio recorded  "Straighten Up and Fly Right", the first recording for the King Cole  trio.
 1945---Top Hits
 It's Been a Long, Long Time - The Harry James Orchestra (vocal: Kitty Kallen)
 That's for Me - Dick Haymes
 I'll Buy that Dream - The Pied Pipers
 Shame on You - The Lawrence Welk Orchestra (vocal: Red Foley)
 1948 --Baseball's Negro National League announced they are  disbanding; the 1949 is their last season. The National Negro American  League closed its doors in 1962, although its fans were less and less  after the 1950's as blacks began to play in the major leagues.
 http://www.negroleaguebaseball.com/history101.html
 http://www.nlbpa.com/history.html
 1950-- Clover Dairy Company, Wilmington, DE, sold their first can  of concentrated milk called Sealtest. Two parts of water were added to  one part fluid milk. The Clover Dairy Company was a division of the  National Dairy Products Corporation.
 Originally it was only a “test,” thus the name on the can.
 1950--BARBER,  WILLIAM E. Medal of Honor
 Rank  and organization: Captain U.S. Marine Corps, commanding officer,  Company F, 2d Battalion 7th Marines, 1st Marine Division (Rein.).  Place and date: Chosin Reservoir area, Korea, 28 November to 2  December 1950. Entered service at: West Liberty, Ky. Born: 30  November 1919, Dehart, Ky. Citation: For conspicuous gallantry and  intrepidity at the risk of his life above and beyond the call of duty  as commanding officer of Company F in action against enemy aggressor  forces. Assigned to defend a 3-mile mountain pass along the  division's main supply line and commanding the only route of approach  in the march from Yudam-ni to Hagaru-ri, Capt. Barber took position  with his battle-weary troops and, before nightfall, had dug in and  set up a defense along the frozen, snow-covered hillside. When a  force of estimated regimental strength savagely attacked during the  night, inflicting heavy casualties and finally surrounding his  position following a bitterly fought 7-hour conflict, Capt. Barber,  after repulsing the enemy gave assurance that he could hold if  supplied by airdrops and requested permission to stand fast when  orders were received by radio to fight his way back to a relieving  force after 2 reinforcing units had been driven back under fierce  resistance in their attempts to reach the isolated troops. Aware that  leaving the position would sever contact with the 8,000 marines  trapped at Yudam-ni and jeopardize their chances of joining the 3,000  more awaiting their arrival in Hagaru-ri for the continued drive to  the sea, he chose to risk loss of his command rather than sacrifice  more men if the enemy seized control and forced a renewed battle to  regain the position, or abandon his many wounded who were unable to  walk. Although severely wounded in the leg in the early morning of  the 29th, Capt. Barber continued to maintain personal control, often  moving up and down the lines on a stretcher to direct the defense and  consistently encouraging and inspiring his men to supreme efforts  despite the staggering opposition. Waging desperate battle throughout  5 days and 6 nights of repeated onslaughts launched by the fanatical  aggressors, he and his heroic command accounted for approximately  1,000 enemy dead in this epic stand in bitter subzero weather, and  when the company was relieved only 82 of his original 220 men were  able to walk away from the position so valiantly defended against  insuperable odds. His profound faith and courage, great personal  valor, and unwavering fortitude were decisive factors in the  successful withdrawal of the division from the deathtrap in the  Chosin Reservoir sector and reflect the highest credit upon Capt.  Barber, his intrepid officers and men, and the U.S. Naval Service.
 1952-- On a local New York television show, Jackie Robinson accuses  the Yankee organization of being racist due to its failure to have a  black player on the club.
 1953---Top Hits
 Rags to Riches - Tony Bennett
 Many Times - Eddie Fisher
 Ricochet - Teresa Brewer
 There Stands the Glass - Webb Pierce
 1954-The first meteorite known to have struck a person crashed  through the roof of a house at Sylacauga, AL, bounced off a radio, and  struck Mrs. Elizabeth Hodges on the hip. she was not permanently  injured. The space rock was a sulfide meteorite weighing 8.5 pounds and  measuring seven inches long. It was put on display in the University of  Alabama Museum of Natural History, Moundville, AL.
 1954-Birthday of June Pointer, Pointer Sisters, born Oakland, California.
 http://www.thepointersistersfans.com/june.html
 1955 - Billy Idol (William Michael Albert Broad), Guitarist, singer, songwriter, born Middlesex, England.
 http://mr.mayhemchaos.tripod.com/mc00idol/id8.html
 http://www.billyidol.com/v1/frame.html
 1956- Floyd Patterson won the heavyweight title by knocking out  Archie Moore in the fifth round of a fight in Chicago. Patterson  claimed the title made vacant by the retirement of Rocky Marciano on  April 27.
 1961---Top Hits
 Runaround Sue - Dion
 Please Mr. Postman - The Marvelettes
 Goodbye Cruel World - James Darren
 Big Bad John - Jimmy Dean
 1964 - A cold wave brought temperatures to 17 below at Minneapolis and 3 below at Springfield, IL
 1965  - Following a visit to South Vietnam, Defense Secretary McNamara  reports in a memorandum to President Lyndon B. Johnson that the South  Vietnamese government of Nguyen Cao Ky "is surviving, but not  acquiring wide support or generating actions." McNamara warned  that there was no guarantee of U.S. military success and that there  was a real possibility of a strategic stalemate, saying that "U.S.  killed in action can be expected to reach 1,000 a month." In  essence, McNamara cautioned Johnson that sending additional troops  was not likely to prevent the stalemate. In the end, however, Johnson  chose to seek a military solution. By 1969, there were more than  500,000 U.S. troops in Vietnam.     1967-- Julie Nixon & David Eisenhower announce their engagement
 1968 - Diana Ross and the Supremes hit t#1 on the music charts with  "Love Child", a controversial song for the times. It stayed at #1 for  two weeks.
 1969---Top Hits
 Come Together/Something - The Beatles
 And When I Die - Blood, Sweat & Tears
 Na Na Hey Hey Kiss Him Goodbye - Steam
 Okie from Muskogee - Merle Haggard
 1969 -- Simon & Garfunkel's first TV special airs. Sponsor  AT&T backs out when they learn that the duo plan to show footage of  Bobby Kennedy's funeral march and clips of the Vietnam War.
 1971 - As the "ABC Movie of the Week", ABC-TV presented "Brian's  Song". The story was about Chicago Bears Brian Picolo and his  friendship with Gayle Sayers, who watched him die a tragic death. The  movie rated a 32.9 and a 48 share. "Brian's Song", performed by Michel  Legrand, was the movie's theme.
 1974 - The Eagles released their hit, "Best of My Love", but it  would take until March 1,1975 for it to hit #1 on the top 40 charts.
 1977---Top Hits
 You Light Up My Life - Debby Boone
 Don't It Make My Brown Eyes Blue - Crystal Gayle
 How Deep is Your Love - Bee Gees
 The Wurlitzer Prize (I Don't Want to Get over You) - Waylon Jennings
 1983-- Radio Shack announces the Tandy Model 2000 computer (80186 chip)
 1985--Separate Lives" by Phil Collins & Marilyn Martin topped the charts and stayed there for a week.
 1985---Top Hits
 Separate Lives - Phil Collins & Marilyn Martin
 Broken Wings - Mr. Mister
 Never - Heart
 Too Much on My Heart - The Statler Brothers
 1987 -- "Weird Al" Yankovic records first of his "Even Worse" LP: "Melanie" & "Stuck In A Closet With Vanna White".
 1987  — Los Angeles Raiders running back Bo Jackson rushes for 221 yards  in just his fifth career NFL game as the Raiders beat Seattle 37-14.  Jackson scores on runs of 91 and 2 yards, and adds a 14-yard  touchdown catch
 1988 -- LL Cool J performs the first rap concert held in Africa.
 1991 ---93 cars and 11 truck accident near Coalinga, California  (Central California, after the grape vine,) during a dust storm, 17 die  and 150 are injured. The area is well-known for its “tully” fog and  dust storms.
 1991-"Set Adrift on Memory Bliss" by P.M. Dawn topped the charts and stayed there for a week.
 1991 -Minneapolis ended the month with 46.9 inches of snow, the  most ever for November and for any month. Although the official start  of winter was still 3 weeks away, the city had already surpassed the  normal seasonal snowfall record with 55.1 inches since October 1  (normal for the entire winter is 49.2 inches)
 1993 --Brady gun bill signed into law.
 2000 --Free agent Mike Mussina inks an $88.5 million, six-year  contract with the Yankees. The ten-year veteran compiled a 147-81  record with a 3.53 ERA as an Oriole hurler.
 [headlines] --------------------------------------------------------------
 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 lifeIt'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!
[headlines] --------------------------------------------------------------
 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 [headlines] --------------------------------------------------------------
 Daily Puzzle
   How to play:http://www.setgame.com/set/puzzle_frame.htm
 Refresh for current date:http://www.setgame.com/set/puzzle_frame.htm
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 Weather
    See USA map, click to specific area, no commercials http://www.weather.gov/ [headlines] --------------------------------------------------------------
 Traffic Live---  Real Time Traffic Information You can save up to 20 different routes and check them out with one click,or type in a new route to learn the traffic live
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