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Leasing News is a web site that posts information, news, and
entertainment for the commercial bank, finance and leasing industry

kitmenkin@leasingnews.org
   


Credit Manager
Riverside, CA


Ideal Candidate 5 Years Exp. Equip.
Leasing & Finance, Prefer Titled
Transportation Equipment Exp.

Click here for more information

www.FFResources.com
Nationwide Leasing & Financing of Commercial Fleets


Monday, October 5, 2015



Today's Equipment Leasing Headlines

Alert: Integrity Financial Group
 Active Again on the Internet
Position Wanted---Senior Management
  Seeking New Opportunities
Top Stories   September 29 - October 1
  (Opened Most by Readers)
Real Estate Loans Take Georgia Bank Down
Steered by Real Estate-Oriented Board of Directors
Small Washington Bank Fails
  Even After 2012 Equity Infusion
 “Need Tips for Telephone Interview”
Career Crossroad---By Emily Fitzpatrick/RII
Leasing Industry Ads---Help Wanted
  Positions Available
Aggregate Funding Sources
  (Online: connects lessees, lessors, and vendors)
Leasing #102 by Mr. Terry Winders, CLFP
  Leasing Term Confusion
Chart ---The Current State of Electric Mobility
  Electric Vehicle/Plug in Hybrid by Country
NetLingo: The List - The Largest List of
    Text & Chat Acronyms
Shepherd Mix
Longview, Washington  Adopt-a-Dog
   Classified Ads
Accounting/Aircraft/Appraisals
News Briefs---
South Carolina was just hammered with '4 months
worth of rain in a single day'
Flooding sweeps East amid 'mind-boggling' rains
 Historic Rainfall
Online Lenders Deluge Small Business
FinTech Expands
Loss of Ex-Im Bank will hurt American competitiveness
America is now the only major developed nation without a fully  
   functioning version of the Export-Import Bank
National Bank of Canada Warns of Substantial Loss
 "holds a 24.9% stake in Maple Financial Group"
Bank of Hawaii Leaving Aircraft Leasing Business
   disposing of six aircraft and a lease it has on another
Engine Shortfall Pushed Volkswagen Evade Emissions Testing
began installing software designed to cheat on emissions tests in 2008
Why retailers are frustrated
   with the new credit card system

Broker/Funder/Industry Lists | Features (writer's columns)
Top Ten Stories Chosen by Readers | Top Stories last six months

www.leasingcomplaints.com (Be Careful of Doing Business)
www.evergreenleasingnews.org
Leasing News Icon for Android Mobile Device

You May have Missed---
   SparkPeople--Live Healthier and Longer
   Poem
    Sports Briefs---
      California Nuts Brief---
       "Gimme that Wine"    
          This Day in American History
         SuDoku
           Daily Puzzle
             GasBuddy
               Weather, USA or specific area
                 Traffic Live----

######## surrounding the article denotes it is a “press release” and was not written by Leasing News nor information verified, but from the source noted. When an article is signed by the writer, it is considered a “by line.” It reflects the opinion and research of the writer.



Please send a copy of Leasing News to a colleague and ask them
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the subject line and email: kitmenkin@leasingnews.org


[headlines]

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Dallin Hawkins, as commissioned salesman (his definition in court case as to relationship re:Integrity Financial Group), is active again on the internet. Many readers have sent in emails they are now receiving; from bankers, brokers, service providers, and others.

Don't be fooled by the IFG “beautiful”
and “promising” website:
http://www.equipmentfinanceservices.com/

Leasing News Bulletin Board Complaints

Leasing News Bulletin Board Update
Hawkins Counter Sues $50,000 Judgement
From Complaint Posted November 28, 2012 (1)
http://leasingnews.org/archives/Aug2015/8_24.htm#bbc

Dallin Hawkins Served with $53,000 Default Judgement
Leasing News Bulletin Board Complaint Update
http://leasingnews.org/archives/Mar2015/3_30.htm#hawkins

New Bulletin Board Complaint
Integrity Financial Groups, Alpine, Utah
http://leasingnews.org/archives/Jan2015/1_23.htm#ifg

Dallin Hawkins Gives His Side
Posted on LinkedIn.com
http://leasingnews.org/archives/Mar2014/3_24.htm#dallin

Fourth Arrest in Utah for Dallin Hawkins
http://leasingnews.org/archives/Jan2014/1_27.htm#hawkins

Integrity Financial Groups, Murray, Utah
$50,000 Bulletin Board Complaint
http://leasingnews.org/archives/Jul2013/7_02.htm#bbc

Integrity Financial Groups, Murray, Utah
Bulletin Board Complaint
http://leasingnews.org/archives/Aug2012/8_16.htm#bbc

Integrity Financial Groups, Murray, Utah
Bulletin Board Complaint
http://leasingnews.org/archives/Aug2012/8_16.htm#bbc

Integrity Financial Groups, Murray, Utah
Bulletin Board Complaint
http://leasingnews.org/archives/Jul2012/7_09.htm#bbc

Integrity Financial Groups, Murray, Utah
Bulletin Board Complaint
http://leasingnews.org/archives/Jan2013/1_28.htm#bbc

 

(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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Position Wanted---Senior Management
  Seeking New Opportunities

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

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

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

Senior-level leasing executive accomplished in sales, finance, operations and marketing. Seeking new opportunity to capitalize on my strategic, ideation, communication and analytical strengths to identify opportunities, formulate solutions and articulate strategies that inspire cross-functional teams to enhance corporate performance and shareholder value. Adept negotiator of multi-million dollar lease program agreements and contracts. Driver of increased sales productivity, incremental revenue, operating expense reductions and customer acquisition/retention.
reg.lindholm@gmail.com



 

[headlines]
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Top Stories   September 29 - October 1
(Opened Most by Readers)

(1) Changes in the Commercial Finance and Leasing Industry
        by Christopher Menkin, Editor
http://leasingnews.org/archives/Sep2015/9_28.htm#changes

(2) Richest Man in Leasing: Steven Udvar-Hazay
         Forbes #159 in United States
http://leasingnews.org/archives/Oct2015/10_01.htm#richest

(3) New Hires---Promotions in the Leasing Business
     and Related Industries
http://leasingnews.org/archives/Oct2015/10_01.htm#hires

(4) From the Desk of Michael J. Witt, Esq.
    Insurance Certificates are Often Virtually Worthless
http://leasingnews.org/archives/Sep2015/9_28.htm#insurance

(5) Leasing #102 by Mr. Terry Winders, CLFP
      Blanket Liens
http://leasingnews.org/archives/Sep2015/9_28.htm#blanket

(6) FinTech #102 by Charles Anderson
          "How do I 'eDoc'?"
http://leasingnews.org/archives/Oct2015/10_01.htm#fintech

(7) Sample of Usury Laws in United States
        by Bill Phillips, Esq., Marks & Associates
http://leasingnews.org/archives/Sep2015/9_28.htm#sample

(8) “How Do I Find Out Why I Was Not Hired?”
        Career Crossroad---By Emily Fitzpatrick/RII
http://leasingnews.org/archives/Sep2015/9_28.htm#crossroad

(9) Former La Jolla Bank officials admit bribes, taxpayers absorb
    $1 billion loss     
http://fox5sandiego.com/2015/09/25/former-la-jolla-bank-officials-admit-bribes-taxpayers-absorb-1-billion-loss/

(10) Archives—October 1, 2004  MicroFinancial Secures
                    $30 Million Line of Credit from CIT
http://leasingnews.org/archives/Oct2015/10_01.htm#archives

 


 

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Real Estate Loans Take Georgia Bank Down
Steered by Real Estate-Oriented Board of Directors

Three months after the last bank closure, the FDIC closed two banks on the opposite side of the United States. The first was the seven branches of The Bank of Georgia, Peachtree City, Georgia, closed with Fidelity Bank, Atlanta, Georgia, to assume all of the deposits.

The bank opened February 18, 2000. As of June 30, 2015, there were 66 full time employees at their office in Fairburn, Fayetteville, two in Newnan, Peachtree City, Sharpsburg, and Tyrone. In 2007, they had 94 full time employees.

June 30, 2015, Tier 1 risk-based capital ratio: 1.62%

Over the counter stock was selling last at 15 cents.  

Many real estate lots and land for sale. Chairman of the bank was Charles R. Ogletree, Class I Director since 2008 and Chairman of the Board since July 2011, is the President of South-Tree Enterprises, Inc., a commercial general contracting firm located in Tyrone, Georgia. He is also the managing member of JOCO, LLC, which owns and manages multiple real estate ventures in Fayette and Coweta counties.

Three of eight board members were in real estate, property management, one a highway builder, manufacturing housing sales co., attorney, public accountant, and bank senior loan officer. It was not a diverse board and primarily involved in real estate, as noted by the Bank Owned Real Estate for Sale:
https://tbog.venulex.com/ForSale/tabid/109/Default.aspx

Starting in 2007 in the mortgage bust, non-current loans shot to $2.1 million

(in millions, unless otherwise)

Non-Current Loans

2006 $171,000
2007 $2.1
2008 $5.6
2009 $5.7
2010 $12.7
2011 $6.6
2012 $37.5
2013 $43.8
2014 $8.2

(In millions, unless otherwise)

Net Equity  
   
2006 $33.2
2007 $35.7
2008 $33.4
2009 $24.5
2010 $22.0
2011 $19.2
2012 $19.0
2013 $14.9
2014 $12.9
6/30 $6.9
   
Profit  
   
2006 $3.9
2007 $2.4
2008 -$2.4
2009 -$3.5
2010 -$2.5
2011 -$3.5
2012 -$219,000
2013 -$2.5
2014 -$2.4
6/30 -$5.2
 

Charge Offs
2006  $197,000 ($116,000 commercial/industrial; $50,000 loans to indiv.; $25,000 construction/land
2007   $1.1 ($818, construction/land, $161,000 1-4 family, $120,000
commercial/ind.; $28,000 consumer; $24,000 other,  indiv. loans $7,000; -$21,000 credit cards  
2008   $2.9 ($1.9 construction/land, $305,000 commercial/ind., $294,000, nonfarm, nonindustr.; $184,000 1-4 family, $162,000 loans to individuals, $162,000 other consumer loans, $21,000 other loans.
2009  $12.6 ($8.4 construction/land, $2.5 commercial/industrial, $1.1
nonfarm/nonres.; $449,000 1-4 family, $156,000 loans to individuals, $156,000 loans to consumers, $29,000 other loans
2010  $2.9 ($1.0 construction/land, $979,000 nonfarm/nonres.; $666,000  commercial/industrial, #145,000 1-4 family residential, $25,000 individual, $25,000 consumer, $12,000 other loans
2011  $189,000 ($147,000 1-4 family, $43,000 commercial industrial, $1,000 auto loans, $1,000 construction/land -$8,000 other loans, -$7,000 individuals.
2012  $211,000 ($97,000 construction/land; $59,000 1-4 family res.; $36,000 nonfarm-nonresidential; $19,000 commercial, -$3 loans
2013  $1.6 ($1.4 construction/land,$187,000 nonfarm/nonres/$53,000 1-4 family; -$20,000 commercial/ind.; $17.000 indiv.; $17,000 other consumer,-$2,000 other loans
2014   $6.1 ($5.8 construction/land, $163,000 commercial/ind, $87,000  1-4 famil, $24,000 other loans, $1,000 loans to individuals.
6/30  $169,000  ($153,000 construction/land $10,000 individual loans, $10,000 other consumer loans, $1,000 other loans, -$5,000
commercial/industrial).

Construction and Land, 1-4 family multiple residential, Multiple Family
Residential, Non-Farm Non-Residential loans (non-owner occupied).

As of June 30, 2015, The Bank of Georgia had approximately $294.2 million in total assets and $280.7 million in total deposits. Fidelity Bank will pay the FDIC a premium of 3.05 percent to assume all of the
deposits of The Bank of Georgia. In addition to assuming all of the deposits of the failed bank, Fidelity Bank agreed to purchase approximately $255.3 million of the failed bank's assets. The FDIC will retain the remaining assets for later disposition.

The Bank of Georgia is the seventh FDIC-insured institution to fail in the nation this year, and the second in Georgia. The last FDIC-insured institution closed in the state was Capitol City Bank and Trust Company, Atlanta, on February 13, 2015.

FDIC Press Release
https://www.fdic.gov/news/news/press/2015/pr15077.html

List of Bank Failures:
http://www.fdic.gov/bank/individual/failed/banklist.html
Leasing News Bank Beat:
http://www.leasingnews.org/Conscious-Top%20Stories/Bank_Beat.htm


[headlines]
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Small Washington Bank Fails
Even After 2012 Equity Infusion

Hometown National Bank, Longview, Washington, was closed with the FDIC entering into a purchase and assumption agreement with Twin City Bank, Longview, Washington, to assume all of the deposits. Founded May 15, 2000, the bank had five full time employees as of June 30, 2015. 2006 & 2013 year-end had 15 full time employees. In the years inbetween, the bank  had an average of 8 full time. In  2012, the bank appears to have had an infusion of equity and thus the increase in full time employees.  The equity did not last long, however, as evidently the full time employees, too.

The real problems started in 2008 with a loss of $2 million dollars, primarily from $1.1 commercial/industrial loans, $295,000 construction and land development, as the same time a major non-current loans of $2 million, resulting in a major drop in equity from $3.5 million to $1.7 million.

July 29, 2009 the bank agreed to a consent order from the OCC
http://www.occ.gov/static/enforcement-actions/ea2009-120.pdf

(in millions, unless otherwise)

Net Equity  
   
2006 $3.5
2007 $3.8
2008 $3.5
2009 $1.7
2010 $1.1
2011 $632,000
2012 $4.8
2013 $1.9
2014 $625,000
6/30 $97,000
   
Profit  
   
2006 $43,000
2007 $41,000
2008 -$431,000
2009 -$2.0
2010 -$615,000
2011 -$475,000
2012 -$785,000
2013 -$3.1
2014 -$1.1
6/30 -$521,000
   
Non-Current Loans  
   
2006 $124,000
2007 $73,000
2008 $414,000
2009 $1.1
2010 $1.1
2011 $1.7
2012 $853,000
2013 $287,000
2014 $367,000
6/30 $22,000

 

Charge Offs
2006  $299,000 ($299,000 commercial and industrial)
2007   -$5,000 ($10,000 nonfarm, nonresidential, -
$13,000 commercial/ind.)
            (Note: that is what FDIC report stated)
2008   -$80,000 (-$76,000 commercial/ind., -$2,000
nonfarm/non, -$2,000 Other consumer loans
2009   $1.4 ($1.1 commercial/industrial, $295,000
construction/land, $19,000 nonfarm/nonres., $3,000 loans to individuals.
2010  -$148,000 ($47,000 1-4 family, $11,000
construction/land, -$236,000 commercial/industrial)
2011  $75,000 ($51,000 commercial/industrial, $28,000
multifamily, $3,000  1-4 family, -$7,000 construction/land)
2012  $305,000 ($324,000 nonfarm/nonresidential, $38,000
1-4 family, -$53,000 commercial/industrial, -$4,000
construction/land development)
2013   $45,000 ($26,000 commercial/industrial, $19,000
loans to indiv.)
2014   $139,000 ($183,000 multifamily, -$22,000
nonfarm/nonindustrial, -$22,000 commercial/industrial)
6/30    $292,000 ($157,000 nonfarm/nonres.; $117,000 1
-4 family, $20,000 commercial/industrial, -$2,000
multifamily).

Construction and Land, 1-4 family multiple residential, Multiple Family Eesidential, Non-Farm Non-Residential loans (non-owner occupied).

Tier 1 risk-based capital ratio: 3.47%  

As noted above, it appears the bank had a large equity infusion in 2012, but it did not last as seen from the numbers above.  According to Google, there was a revolving door of loan and chief credit officers during the last six years. An OCC document mentions the officer William J. Widmer, Jr.  It may have been a reason why the bank existed with the declining net profit and net worth.  Note, as of June, 2015, the net worth of Homebank  National Bank was $97,000.

There certainly is more to this story, and may be known to many
locals. Longview is reportedly a very attractive small city. "As of the census of 2010, there were 36,648 people, 15,281 households, and 9,086 families residing in the city. The median age in the city was 39.6 years. 23.2% of residents were under the age of 18; 9.2% were between the ages of 18 and 24; 23.6% were from 25 to 44; 26.2% were from 45 to 64; and 17.5% were 65 years of age or older.

"The Long-Bell Lumber Company, led by Robert A. Long, made the decision in 1918 to buy a great expanse of timberland in Cowlitz County. A total of 14,000 workers were needed to run the two large mills as well as lumber camps that were planned...Long planned and built a complete city in 1921 that could support a population of up to 50,000 and provide labor for the mills as well as attracting other industries. Several buildings in the city were built from Long's private funds (reportedly the only city financed and built by an individual)...The Port of Longview, established in 1921, has eight marine terminals handling a wide range of cargo from windmills, pencil pitch, calcined coke, pulp bales, lumber, grain, logs and steel. The Port is 66 miles (106 km) from the Pacific Ocean."
https://en.wikipedia.org/wiki/Longview,_Washington

 

As of June 30, 2015, Hometown National Bank had approximately $4.9 million in total assets and $4.7 million in total deposits. In addition to assuming all of the deposits of the failed bank, Twin City Bank agreed to purchase approximately $3.8 million of the failed bank's assets. The FDIC will retain the remaining assets for later disposition.

The FDIC estimates that the cost to the Deposit Insurance Fund (DIF) will be $1.6 million.  Bank is the eighth FDIC-insured institution to fail in the nation this year, and the first in Washington. The last FDIC-insured institution closed in the state was Westside Community Bank, University Place, on January 11, 2013.

FDIC Press Release
https://www.fdic.gov/news/news/press/2015/pr15078.html

List of Bank Failures:
http://www.fdic.gov/bank/individual/failed/banklist.html
Leasing News Bank Beat:
http://www.leasingnews.org/Conscious-Top%20Stories/Bank_Beat.htm



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

[headlines]
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“Need Tips for Telephone Interview”
Career Crossroad---By Emily Fitzpatrick/RII

 

Question: I have a phone interview scheduled---Can you give me any tips?

Answer: Phone interviews, in reality, are sometimes more difficult than face-to-face interviews as it is difficult to “read” the interviewer’s reactions to your questions and answers.

The best way to prepare for the phone interview is to do your homework:
(1) Research the company
(2) Find out who will be in on the call and research, if you can, the background of the interviewer (s) to see if you have any commonalities e.g. previous employers
(3) make sure you understand the qualifications required for the role and be able to relate your background to each requirement
(4) Develop some questions regarding the company as whole and other job-specific questions – NEVER discuss salary unless the interviewer brings up the topic
(5) make sure you have your resume and job description in front of you during the interview
(6) After completion of the interview, ask about next steps (e.g. a face-to-face interview).

Most importantly, relax and make the phone interview a two-way conversation so your personality can shine through.  

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

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

[headlines]
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Leasing Industry Help Wanted

 

Press Release    
WE'RE HIRING at Our Minneapolis Headquarters
Credit Manager
This position will be responsible for underwriting small ticket working capital applications up to $250,000 in a fast paced and high volume environment. The candidate will make independent decisions on commercial credit applications through evaluation of business and personal credit reports, financial statements and other credit information. More
Collections Representative
This position will function as the primary contact for customer concerns regarding loan collection issues. The candidate will act as a liaison between the customer, Channel Partners Capital and 3rd Party Collection Agencies. More
Please email cover letter and resume to: careers@channelpartnersllc.com



Credit Manager
Riverside, CA


Ideal Candidate 5 Years Exp. Equip.
Leasing & Finance, Prefer Titled
Transportation Equipment Exp.

Click here for more information

www.FFResources.com
Nationwide Leasing & Financing of Commercial Fleets


For information on placing a help wanted ad, please click here:
http://www.leasingnews.org/Classified/Hwanted/Hwanted-post.htm

Please see our Job Wanted section for possible new employees.

 


--------------------------------------------------------------

Aggregate Funding Sources
(Online: connects lessees, lessors, and vendors)

Only one left now, from an original over 30 at the turn of the century. CapitalRelay claims a current network of 726 brokers. 
A current network of 119 lenders.

http://www.capitalrelay.com

 

http://leasingnews.org/Ads/Completed/leasing_news_mail2.htm

 

[headlines]
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(Terry retired January 1, 2015.  To honor him and his many years of writing for readers of Leasing News, is repeating several of his columns that are still meaningful today. Here is October 9, 2006.)

Leasing Term Confusion

Federal income tax terms became popular after the introduction of Revenue Ruling 55-540 in 1955. They established a term “True Lease” to mean a lease that followed the tax interpretation of a “true” owner and therefore was allowed to recover the investment in the equipment, called “capital recovery,” by depreciating the equipment, according to the allowed depreciation schedules.

Today that schedule is called “MACRS depreciation” or the Modified Accelerated Cost Recovery System. In those days we used a term for a lease that did not meet these standards as a “finance lease” or a “money over money” transaction. However, the term “finance lease” means something very different today.

In 1975, when the Financial Accounting Standards Board created the “standard” SFAS #13, the term “Capital Lease” or “Operating Lease” was used to refer to the classification of a lease for GAAP (generally accepting accounting principles.) The accounting standards are following economic rules that may be in conflict with the legal or tax requirements and therefore should not be used when referring to a lease for federal income tax or legal matters.

A lease that is for 36 months and has a Fair Market Value purchase option will be a true lease for income tax--- and an Article 2A lease for legal, but if it fails the 90% test for SFAS #13, it will be a capital lease and look like a loan on the books of a lessee.

In addition, in 1988 when Article 2A was established for legal leases, they began using the terms “two party and three party” leases to separate a lease from an equipment supplier (two party) and a lease from a financial source (three party) that was not the equipment supplier and called this lease a “finance lease”….replacing the use of the term as a “non-tax” lease. We currently call a lease that fails both the legal and tax lease rules a “non-lease.”

Because of the differences in the rules, you need to ask yourself “what is the nature of my question”? Is it a tax question, or a legal question, or an accounting question and then apply the correct rules and the correct terms.

An operating lease is not always a tax lease just as a capital lease is not always a loan for legal or tax. They must be viewed separately according to each set of rules.

(Mr. Winders will go further into this in future articles, including the economic value position. Mr. Winders invites you to reach him directly for any questions, particularly those who did not fully understand his last column, which has great value once understood:

“How to Participate in True Leases”
http://www.leasingnews.org/archives/October%202006/10-02-06.htm#102

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

 

 

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[headlines]
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NetLingo: The List - The Largest List of
Text & Chat Acronyms

A handy guide to every Internet acronym and text abbreviation you'll ever need to know! "The List" is a great "gag" gift to have lying around $14.95 Kindle, $19.95 Paperback

http://www.amazon.com/dp/0970639635/?tag=netlingo

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Shepherd Mix
Longview, Washington  Adopt-a-Dog


Frank
Pet ID: 147087
Male
Large
Neutered
Current on Vaccinations

"Frank is a fun energetic Shepherd mix. He is about 2-3 years old. He came in to the shelter in August as a stray. He likes to play outside. He would do well in a home that has room for him to run. Frank may come off as shy, but as soon as he is brought outside he is full of life.

"*Please Note, if you have other dogs or children living in the home, they will need to come down to the shelter to meet the new dog before the adoption process continues. We want to make sure that everyone in the family is happy with the new addition!

"Call the Humane Society of Cowlitz County at 360-577-0151 and ask to speak with a staff member. Calling from outside the Longview, Washington area? Use our toll-free line 866-310-9665. You may also email us at cowlitzhumane@gmail.com"

Humane Society of Cowlitz County
909 Columbia Blvd
Longview, WA 98632

Hours:
9 AM - 5 PM M-F
10 AM - 3:30 PM Saturday

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

 

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Appraisals: Boston, MA
Nationwide appraisals, remarketing, audits, inspections and more! Over 15-years industry experience and dedicated to deliver personal, prompt, professional services. 
Call Chris @ 508-785-1277. 
Email:
chris@dovermanagementgroup.com
 

   

Appraisals: National Equipment Appraisal prepares Certified Machinery and Equipment Appraisals. IRS qualified, USPAP Compliant. Nationwide - fast turnaround.
Visit 
nationalequipmentappraisal.com
 or
call 714-282-1525.
Accounting: Dallas, TX
Provide cost effective Sales and Use Tax and Property Tax consulting and administration Services to the leasing industry. Many leasing industry referrals available.
E-mail: mattm@osgsolutions.com 
Accounting: National Property Tax Compliance Services to the leasing industry. Over 80 years experience and 70 Lessors as clients. References and free quotes available
440.871.0555
E-mail gary@avptc.com 
  
Aircraft Delivery: Seattle, WA 
Global Aircraft Delivery ferries all types of aircraft all over the world. We are a unique ferry company moving your aircraft with our expert turnkey operation
globalaircraftdelivery.com 
E-mail:
info@globalaircraftdelivery.com
Asset Management: Canada 
Cease Bailiff Services Incorporated:
Asset Investigation/Tracing; Asset Recoveries; Asset Protection/Security
Asset Liquidations/Sales; Ottawa, Canada
www.ceasebailiff.ca
dave@ceasebailiff.ca;
Phone 613 898 7376
Fax 613 225 2452

Asset/Recovery & Collections:
Charlotte, NC
IRTC Continencies: Commercial Collections-Skip Trace- Repossessions-judgment enforcement-Investigations- Asset Re-marketing& No Cost Warehousing East Coast USA. Call 336-877-3077 ask for Robert or
E-mail to Robert@mbsfinancial.com

Nationwide Seasoned anfair priced workforce is at your service for all lease collections, repossessions, and asset liquidations, appraisals.  Call Nassau Asset Management800-462-7728   dcastagna@nasset.com  

Asset/Recovery: NorthWest 
Sequent provides collateral recovery, remarketing, and storage services to lenders with assets located in the greater Pacific Northwest. Professional services at reasonable pricing. Contactrossr@sequentam.com
Asset Marketing/Recovery: Remarking solutions for big rigs assets and trucking related companies including collections, recovery, repair and re-sales. North South Leasing
cell # 586-909-8797
bob@nsleasing.com
Appraisals/Asset Recovery
Melville, New York
Auctions, Appraisals, National Repossessions.  ALL asset classes. 20+ year team works for you. Spend less, Net More… Fast!
Ed Castagna 516-229-1968ecastagna@inplaceauction.com
Appraisals/Inspections – Construction & Mining Heavy Equipment, Transport, Agriculture and Manufacturing. We provide Certified Appraisal Reports, (USPAP Compliant), Inventory Inspections, Collateral Valuation, VIN and Serial Number Verification with Detailed Photos, Lessee and Vendor Site Inspections including Customized Inspections. In a Hurry? Try our Kwik-Kwote 
Email
www.MobileEquipAppraisals.com


Receivables Management LLC
John Kenny

• End of Lease Negotiations & Enforcement 
• Third-Party Commercial Collections

john@jkrmdirect.com | ph 315-866-1167
www.jkrmdirect.com

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

[headlines]
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News Briefs---

South Carolina was just hammered with '4 months
'worth of rain in a single day
http://www.businessinsider.com/south-carolina-hammered-with-4-months-worth-of-rain-in-a-single-day-2015-10

Flooding sweeps East amid 'mind-boggling' rains
http://www.usatoday.com/story/weather/2015/10/04/flooding-sweeps-east-amid-mind-boggling-rains/73330716/

Online Lenders Deluge Small Business; FinTech Expands
http://www.wsj.com/articles/online-lenders-deluge-small-business-1443736160

Loss of Ex-Im Bank will hurt American competitiveness
America is now the only major developed nation without a fully  
   functioning version of the Export-Import Bank
http://thehill.com/opinion/op-ed/255518-loss-of-ex-im-bank-will-hurt-american-competitiveness

National Bank of Canada Warns of Substantial Loss
"holds a 24.9% stake in Maple Financial Group"
http://www.wsj.com/articles/national-bank-of-canada-warns-of-substantial-investment-loss-1443737614

Bank of Hawaii Leaving Aircraft Leasing Business
http://www.aviationpros.com/news/12121001/brief-bank-of-hawaii-leaving-aircraft-leasing-business

Engine Shortfall Pushed Volkswagen Evade Emissions Testing
began installing software designed to cheat on emissions tests in 2008
http://www.nytimes.com/2015/10/05/business/engine-shortfall-pushed-volkswagen-to-evade-emissions-testing.html?ref=business

Why retailers are frustrated with the new credit card system
http://www.oregonlive.com/window-shop/index.ssf/2015/10/retailers_on_emv_chip_cards.html

 

 


[headlines]

--------------------------------------------------------------



--You May Have Missed It

11 FinTech CEOs’ predictions for the future
http://news.efinancialcareers.com/uk-en/222447/11-fintech-ceos-predictions-for-the-future/


[headlines]
--------------------------------------------------------------

SparkPeople--Live Healthier and Longer



Eggs are Egg-cellent
Healthy or Not? We Crack the Case!
http://www.sparkpeople.com/resource/nutrition_articles.asp?id=126


[headlines]
--------------------------------------------------------------

Silly Question
 by
 Papa Joe Chevalier

Of course I like Baseball!
I like;
All nine innings and knee high strikes
The diamond cut by flashing spikes.
The infield hit, a long home run
Doubleheaders, the radar gun.
The curve, the knuckler, slider and splitter
A slugfest or the chance no-hitter.
The majors, the minors, the kids, the vets
The "Whiz Kids," the "Amazing Mets."
The squeeze bunt and the hit and run
The double steal on three and one.
Both real and artificial grass.
The routine grounder or astro turf hop.
Signs to take and signs to steal
Beating the deadline with a late night deal.
The brush back pitch, the managers warned
The visiting star locally scorned.
Balls with eyes and rain delays
Around the horn double plays.
Walking leads and frozen ropes
Bloops, blasts and springtime hopes.
The game of the week and cable TV
Descriptions like "Good field-no-hit
Or "Say goodbye baseball" at Safeco Field
Diving catches and trapped fly balls
Coaches sweating on 3-2 calls.
The pickoff move and stealing home
Games in the sun or under a dome.
Walks, balks, and fielders choices
An irate skipper getting the gate.
Cold soda, peanuts and ball park franks
Sometimes even the New York Yanks.
For all this and more I have good reason
To be pleased that it's Baseball season.
And if you guys don't mind suggestions,
Go somewhere else with your silly questions!

 


[headlines]

--------------------------------------------------------------


Sports Briefs----

 

Week 4 NFL recap
http://www.nytimes.com/interactive/projects/cp/nfl-live/week-4?ref=sports

In second half, Oregon Ducks run away with a win against 
  Colorado they desperately needed
http://www.oregonlive.com/ducks/index.ssf/2015/10/
in_second_half_oregon_ducks_ru.html#incart_most-read_window-shop_article

5 things we learned from the Falcons’
   48-21 win over the Texans
http://www.ajc.com/news/sports/football/5-things-we-learned-from-the-falcons-48-21-win-ove/nnthJ/

Raiders lose to Bears on late field goal
http://www.contracostatimes.com/raiders/ci_28920119/raiders-lose-bears-last-second-field-goal

Offense absent in 17-3 loss to Packers
http://www.sfgate.com/49ers/article/49ers-Offense-absent-in-17-3-loss-to-Packers-6549884.php

Jed York deserves all the blame for 49ers' mess
http://www.pressdemocrat.com/sports/lowellcohn/4559106-181/lowell-cohn-jed-york-deserves 

 

[headlines]
--------------------------------------------------------------


California Nuts Briefs---

Silicon Valley job market strongest in U.S.
http://www.mercurynews.com/60-second-business-break/ci_28913442/biz-break-silicon-valley-job-market-strongest-u


[headlines]
--------------------------------------------------------------


“Gimme that Wine”

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

Napa Wraps Up Earliest Harvest in Years
http://www.winesandvines.com/template.cfm?section=news&content=158617

Master somm's advice: buy California wine now
http://www.ocregister.com/articles/wine-684658-master-quality.html

Eastern Oregon farmers adapt to deal with years of drought
http://www.capitalpress.com/Oregon/20151001/eastern-oregon-farmers-adapt-to-deal-with-years-of-drought

Koch Wins Appeal Over Fake Wines
http://www.wine-searcher.com/m/2015/09/koch-wins-appeal-over-fake-wines

"device that extracts wine without removing a cork"
http://www.winespectator.com/webfeature/show/id/52162


Free Mobile Wine Program
http://leasingnews.org/archives/Feb2010/2_26.htm#mobile

Wine Prices by vintage
http://www.winezap.com
http://www.wine-searcher.com/

US/International Wine Events
http://www.localwineevents.com/

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

[headlines]
----------------------------------------------------------------

This Day in American History

     1646 - A “wolf bounty” was granted under authority of the General Assembly held at James City, VA. It was signed by Sir William Berkely, Knight Governor, and provided that “what person soever shall after publication hereof kill a wolfe and bring in head to any commissioner, upon certificate of said communication to the county court, he or they shall receive one hundred pounds of tobacco for doing to be raised out of the County where the wolfe is killed.”
    1703 - Birthday of famed Preacher Jonathan Edwards (d. 1758) at East Windsor, CT.  He was an American Congregationalist clergyman, was the outstanding theologian and scholar of colonial New England in the 1700's, leader of the “Great Awakening”. In his most famous book “Freedom of the Will” (1754), he upheld such Calvinistic doctrines as predestination. But he insisted that man had freedom to choose alternative courses when forces outside him "inclined" his will to choose.  He received A.B. and A.M. degrees from Yale University. In 1727, he was ordained and installed as assistant in the church of Solomon Stoddard, his grandfather, at Northampton, Mass. When Stoddard died in 1729, Edwards became pastor. The religious revival, a part of the Great Awakening, came to his church in 1734. His famous sermon, "Sinners in the Hands of An Angry God"(1741), was preached during his revival. Edwards' discipline of young people for reading "immoral" literature and his refusal to give communion to unconverted church members caused dismissal in 1750. He then served as a missionary to the Indians in Stockbridge, Mass., from 1751-1757. Edwards became President of the College of New Jersey (now Princeton University) in 1758, but died later that same year when he contracted smallpox from an inoculation.
http://www.jonathanedwards.com/sermons.htm
    1717 - The “Mississippi Bubble” or “ Mississippi Scheme”,  devised by John Law to promote and finance French colonization in Louisiana ruined thousands of investors. The Duke of Orleans, regent of France, had encouraged and underwritten Law, a Scottish financier and speculator, to start a bank. Under the name of the Western Company (also known as the Company of the West, “Comagnie D'Occident,” and the Mississippi Company), the bank gained control of all trade on the Mississippi River and issued paper money in excess of available security.  In 1720, Law was appointed controller general of finances, merged the huge stock company with the royal bank and took over most of the public debt and the administration of revenue. A rash of speculation swept France. Numerous small investors bought stock, which soared to heights far beyond what could be expected in returns from the exploitation of the colonies and from trade with East Asia. The bubble burst suddenly. Well-informed speculators sold their stock at huge profits, setting off a frenzy of selling that ruined thousands of investors. The collapse of the bank in 1720 ruined Law and caused great trouble in France. Although his financial scheme ended in failure, it did promote colonization in Louisiana. Law died in 1725.
    1813 - The Battle of the Thames was a decisive in the War of 1812. The U.S. victory over British and Indian forces near Ontario at the village of Moraviantown on the Thames River is known in Canada as the Battle of Moraviantown. Some 600 British regulars and 1,000 Indian allies under the command of Colonel Henry Procter and Shawnee leader Tecumseh were greatly outnumbered and quickly defeated by U.S. forces, an army of 3,500 troops, under the command of Maj. Gen. William Henry Harrison. The British army was retreating from Fort Malden, Ontario after Oliver Hazard Perry's victory in the Battle of Lake Erie. Tecumseh convinced Colonel Procter to make a stand at Moraviantown. The American army won a total victory. The British soldiers fled or surrendered. The Indians fought fiercely, but they lost heart and scattered after Tecumseh died on the battlefield. Richard Johnson probably killed the Indian leader. The Battle of the Thames was the most important land battle of the War of 1812 in the American Northwest. General Harrison's victory marked the end of Tecumseh's Confederacy and the downfall of the Indians in Ohio.
    1824 - The birthday of Henry Chadwick (d. 1908) at Exeter, Devon, England. Baseball Hall of Fame sportswriter and innovator known as the “Father of Baseball” and later as “Father Chadwick,” he wrote voluminously about baseball, popularizing the game and protecting its integrity. He perfected the newspaper box score, served on the rules committee and devised the method of scoring games still in use. Inducted into the Hall of Fame in 1938.
    1829 - Birthday of the 21st President of the US, Chester Alan Arthur, at Fairfield, VT, and succeeded to the presidency following the death of James A. Garfield. Garfield was shot July 2, 1881, as he entered the railway station at Washington, DC. He died September 19, 1881, never having recovered from the wound. The assassin, Charles J. Guiteau, was hanged June 30, 1882. Arthur's term of office: Sept 20, 1881-Mar 3, 1885. He was not successful in obtaining the Republican Party’s nomination for the following term.  In June, 1884, the Republican National Convention nominated James G. Blaine of Maine for the presidency on the first ballot. Gen. John A. Logan of Illinois was nominated for the vice presidency. The “Mugwumps,” the independent Republicans, walked out of the national convention in Chicago, IL, when the party nominated James G. Blaine. They felt he would not support civil service reform. On June 16, they held a convention of their own in New York City, pledging support to the Democratic Party if a liberal candidate were named. The presidential election campaign of 1884 was fought mainly with attacks on the reputations of the rival candidates. The Republican candidate James G. Blaine, on the basis of letters he had written, was accused of having profited from the Credit Mobilier scandal involving the building of the Union Pacific Railroad. His opponents sang: “Blaine, Blaine, James G. Blaine, the continental liar from the state of Maine.” The Democratic candidate, Grover Cleveland, was accused of having fathered an illegitimate child, which in his forthright manner, he admitted. The turning point of the election was most likely a remark made on October 9th by the Rev. Samuel D. Burchard in New York, in the presence of Blaine, that the Democrats were the party of “Rum, Romanism, and Rebellion.” Blaine did not disavow the remark, and the Irish-American Roman Catholics of New York were outraged. Cleveland carried the state by 1149 votes and thereby won the presidency. Cleveland received 219 electoral votes to Blaine's 182, but the popular vote was Cleveland 4,911,017 to Blaines' 4,848,334. Arthur died a broken man on November 18, 1886.
    1852 - A major boon to the agriculture industry was the patient of Lorenzo Lorraine Langstroth, a former pastor in Oxford, Ohio, for a beehive with removable frames. Langstroth's hive designed revolutionized beekeeping because it was the first that allowed bees to build combs on wooden frames that could be removed, stripped of honey and wax, and then replaced. His key discovery was the "bee space”, the minimum air space that bees would not bridge with wax or bee glue. By setting up his frames at this distance, he prevented the bees from building connections between them. This allowed him to remove one frame at a time without damaging the adjacent frames, and enabled him to maximize the amount of honeycomb in the hive. 
http://en.wikipedia.org/wiki/L._L._Langstroth
    1863 - In an attempt to disrupt the Union blockade of Charleston Harbor, the Confederate semi-submersible "David" rammed the Federal ironclad "New Ironsides" with a spar torpedo.  This was the first successful Southern attack using a submersible craft. Although both sides experimented with submarine warfare during the Civil War, the results were far from encouraging, as the submarines caused more fatalities to their own crews than to the opposing side.
    1871 - Celia C. Burleigh became the first woman ordained as a Unitarian minister. Her parish was in Brooklyn, CT.
http://www.uua.org/uuhs/duub/articles/celiaburleigh.html
    1877 - After a 1,700 mile retreat, Chief Joseph and the Nez Perce Indians surrendered to US Cavalry troops at Bear's Paw near Chinook, Montana. Chief Joseph made a speech historians consider a famous surrender message, "From where the sun now stands, I will fight no more forever."
    1882 – Robert H. Goddard (d. 1945) was born in Worcester, MA.  American engineer, professor, physicist, and inventor, he is credited with creating and building the world's first liquid-fueled rocket, which he successfully launched on March 16, 1926. Goddard and his team launched 34 rockets between 1926 and 1941, achieving altitudes as high as 1.6 mi and speeds as high as 550 mph.  Goddard's work as both theorist and engineer anticipated many of the developments that were to make spaceflight possible.  He has been called the man who ushered in the Space Age.
    1892 – The end of the Dalton Gang.  The gang specialized in bank and train robberies. During an attempted bank robbery in Coffeyville, KS in 1892, two of the brothers and two other gang members were killed; Emmett survived to be tried and convicted. He was paroled after serving 14 years in prison.
    1897 - Birthday of Dr. Florence Seibert (d. 1991), Easton, PA.  U.S. chemist. Dr. Seibert developed the process that removed bacteria from water in a single distillation - a process vital for safe injections and other medical uses. Until her process, water wasn't always safe for injection even after three distillations. She also perfected the first reliable test for TB that was adopted as the standard in the U.S. in 1941 and worldwide in 1952. She was tiny, weighing less than 100 pounds and was partially disabled from a childhood bout with infantile paralysis. 
    1902 – Ray Kroc (d. 1984), the motivator of McDonald’s, was born in Oak Park, IL.  With his Prince Castle Multi-Mixer sales plummeting because of competition from lower-priced Hamilton Beach products, Ray took note of the McDonalds brothers who had purchased 8 of his Multi-Mixers. Immediately after visiting the San Bernardino store, Ray became convinced that the setup of this small chain had the potential to explode across the nation. He offered his services to the McDonald brothers, who were looking for a new franchising agent. Kroc opened the first restaurant of McDonald's, Inc. in Des Plaines, IL. The Des Plaines location boomed, bringing in hundreds of dollars on its opening day. Ray franchised out scores of restaurants to franchisees. The brothers were satisfied with the money they had, and did not feel a need to expand their empire.  Kroc became frustrated with the brothers' desire to maintain a small number of restaurants. In 1961, he bought the company for $2.7 million - enough to pay each brother $1 million after taxes - plus an annual royalty of 1.9% (when negotiating the contract, the McDonald brothers said that 2% sounded greedy; 1.9% was more attractive).
        1905 – Wilbur Wright piloted Wright Flyer III in a flight of 24 miles in 39 minutes, a world record that stood until 1908.
    1908 – Chicago White Sox pitcher Ed Walsh beat the Detroit Tigers, 6-1, for his 40th victory.  Detroit's 24-game winner Ed Summers takes the loss. Walsh leads the league in games (66), innings (464), strikeouts (269), complete games (42), saves (six), shutouts (11) and winning percentage (.727). His ERA is 1.42… (He has the lowest career ERA in history, 1.82). Walsh was inducted into the Baseball Hall of Fame in 1946.
    1911 – Major League Baseball’s National Commission sold motion picture rights to the World Series for $3,500. When the players demand a share of it, the Commission cancels the deal.
    1912 - The New York Highlanders played their last game at their field, Hilltop Park in Washington Heights, beating the Washington Senators, 8-6.  For the 1913 season they will play at the Polo Grounds, owned by the National League New York Giants, and they changed their name to the New York Yankees. Yankee Stadium opened in The Bronx, across the river from the Polo Grounds, in 1923.
    1918 - ELLIS, MICHAEL B., Medal of Honor.
Rank and organization: Sergeant, U.S. Army, Company C, 28th Infantry, 1st Division. Place and date: Near Exermont, France, 5 October 1918. Entered service at: East St. Louis, Ill. Born: 28 October 1894, St. Louis, Mo. G.O. No.: 74, W.D., 1919. Citation: During the entire day's engagement he operated far in advance of the first wave of his company, voluntarily undertaking most dangerous missions and single -handedly attacking and reducing machinegun nests. Flanking one emplacement, he killed 2 of the enemy with rifle fire and captured 17 others. Later he single -handedly advanced under heavy fire and captured 27 prisoners, including 2 officers and 6 machineguns, which had been holding up the advance of the company. The captured officers indicated the locations of 4 other machineguns, and he in turn captured these, together with their crews, at all times showing marked heroism and fearlessness. 
    1921 – New York hosted the first one-city World Series since 1906 and the Polo Grounds was the site for all nine games.   This was also the first World Series to be broadcast on radio.
    1928 - Bix Biederbecke cuts five sides with Paul Whiteman, Columbia-Okeh.
    1939 - Perry Como records “I Wonder Who Is Kissing Her Now” with the Ted Weems Band (Decca).
    1941 – In one of the more memorable plays in World Series history, catcher Mickey Owens of the Brooklyn Dodgers let the third strike on Tommy Henrich through his legs in what would have been the final out of a Dodgers victory against the New York Yankees. Henrich reached first base on the passed ball.  Given a second chance, the Yankees then rally for a 7 - 4 win to take a 3-1 Series lead.
    1943 - WASP pilots are landing a shipment of new BT-15's from the U.S. factory to the Orange County Airport in California where they were ferried on to England. One plane entering its turn onto the final approach falters, goes into a diving steep turn and crashed. Virginia Moffatt, an able flier, is dead. Most WASPs who witnessed the crash believe it is the "old" problem of carbon monoxide leaking in the cockpit of the BT-15's, a known problem that caused many of the women transporting the planes to fly the planes with their canopies partially open regardless of the cold.
    1943 – 98 American POWs were executed on Wake Island by the Japanese.
    1944 - KRAUS, RICHARD EDWARD, Medal of Honor.
Rank and organization: Private First Class, U.S. Marine Corps Reserve. Born: 24 November 1925, Chicago, Ill. Accredited to: Minnesota. Citation: For conspicuous gallantry and intrepidity at the risk of his life above and beyond the call of duty while serving with the 8th Amphibious Tractor Battalion, Fleet Marine Force, in action against enemy Japanese forces on Peleliu, Palau Islands, on 5 October 1944. Unhesitatingly volunteering for the extremely hazardous mission of evacuating a wounded comrade from the front lines, Pfc. Kraus and 3 companions courageously made their way forward and successfully penetrated the lines for some distance before the enemy opened with an intense, devastating barrage of hand grenades which forced the stretcher party to take cover and subsequently abandon the mission. While returning to the rear, they observed 2 men approaching who appeared to be marines and immediately demanded the password. When, instead of answering, 1 of the 2 Japanese threw a hand grenade into the midst of the group, Pfc. Kraus heroically flung himself upon the grenade and, covering it with his body, absorbed the full impact of the explosion and was instantly killed. By his prompt action and great personal valor in the face of almost certain death, he saved the lives of his 3 companions, and his loyal spirit of self -sacrifice reflects the highest credit upon himself and the U.S. Naval Service. He gallantly gave his life for his comrades.
    1947 - The first taped radio show is broadcast on ABC, a performance by Bing Crosby that demonstrated the capabilities of the new Ampex 200 recorder.
    1947 – One of baseball’s greatest plays occurred at Yankee Stadium by Dodgers’ LF Al Gionfriddo, “back goes Gionfriddo, back, back, back, back, back, back ... heeee makes a one-handed catch against the bullpen! Oh, Doctor!"  The spectacular catch robbed Joe DiMaggio of an extra base hit with two on in World Series Game 6, won by the Dodgers, 8-6. The Yanks rebounded to win the series.  Ironically, Gionfriddo never played another game in the Majors.
    1949 - AC/DC lead singer Brian Johnson is born
    1950 – “You Bet Your Life” premiered on TV. This funny game show began on radio in 1947 and moved to TV with Groucho Marx as host and George Fenneman as announcer and scorekeeper. Players tried to answer questions in the category of their choice, but Groucho's improvised interviews stole the show. Many unusual guests appeared, both professionals and nonprofessionals (including Phyllis Diller and Candice Bergen, both of whom would later become famous). Players could also win money by uttering the secret word, an everyday word suspended above the stage on a duck that dropped when the word was spoken. This was one of the few shows to be filmed, because the interviews needed to be edited. Two short-lived revivals of the series aired, with Buddy Hackett as host in 1980 and with Bill Cosby in 1992.
    1953 - The Yankees won their fifth straight World Series, a feat never before achieved in baseball history and still unmatched. They beat the Dodgers, 4-3, in the decisive sixth game of the series, and the Yanks chalked up their 16th world championship against only four defeats.
    1953 - Earl Warren, the former Governor of California and Republican Vice-Presidential Candidate in the previous presidential election, was sworn in as the 14th Chief Justice of the United States, succeeding Fred M. Vinson.
    1955 - Elvis Presley's "I Forgot to Remember to Forget Her," hits #2 on the Memphis charts. The Number One song is Johnny Cash's "Cry, Cry, Cry”.
    1956 - “Zane Grey Theater”, officially titled “Dick Powell's Zane Grey Theater,” a western anthology series, was hosted by Powell and featured both stories by Grey and original telecasts. Powell occasionally starred in an episode. Guest stars included Hedy Lamarr (in her only dramatic TV role), Ginger Rogers, Claudette Colbert and Esther Williams. My father, Lawrence Menkin, wrote several of the episodes.
    1959 - Bobby Darin's "Mack The Knife" hits #1 on the pop chart.
    1959 - 21 year old Paul Evans reaches the Billboard chart for the first time with a novelty song called "Seven Little Girls" (sittin' in the back seat, kissin' and huggin' with Fred). Along his own recording career, Evans wrote many hits for other artists, including Bobby Vinton's "Roses Are Red" and The Kalin Twins "When".
    1961 - Neil Sedaka records "Happy Birthday Sweet Sixteen", which will become his eighth US Top 20 hit. He will go on to have thirteen more…and he is still not in the Rock and Roll Hall of Fame!
    1961 - As a follow up to their US number one smash, "Blue Moon", The Marcels release a similar sounding tune called "Heartaches", which will climb to number seven on the US Pop chart.
    1962 – The first of the James Bond movies, “Dr. No” was released.
    1968 - Cream's "White Room" and Steppenwolf's "Magic Carpet Ride" are released.
    1970 – PBS was created.
    1974 - The Beach Boys' LP “Endless Summer” hits #1.
    1976 - Hall and Oates' second album, "Abandoned Luncheonette," which contained their original hit version of Tavares' #1 R&B tune, "She's Gone," is certified gold three weeks after its release.
    1982 – Johnson & Johnson initiated a nationwide recall in the United States for all Tylenol products after several bottles in Chicago were found to have been laced with cyanide, resulting in seven deaths.  James William Lewis was convicted of extortion for sending a letter taking credit for the deaths and demanding $1 million to stop them, and he was also the primary suspect in the killings despite living in New York City at the time. The incidents led to reforms in the packaging of over-the-counter and to federal anti-tampering laws.  Police were unable to link him with the crimes. He was convicted of extortion, served 13 years of a 20-year sentence, and was released in 1995 on parole. WCVB Channel 5 of Boston reported that court documents, released in early 2009, "show Department of Justice investigators concluded Lewis was responsible for the poisonings, despite the fact that they did not have enough evidence to charge him". Lewis has denied responsibility for the poisonings for several years
    1985 – Grambling State University’s head football coach, Eddie Robinson, won his 324th game, a record.  He retired in 1997 with a record of 408 wins, the winningest coach in NCAA Division I history and second winningest coach overall.
    1986 - Eric Dickerson runs for an overtime-record 42-yard touchdown as the Rams defeat the Buccaneers 26-20. 
    1987 - It was another day of scorching heat for the southwestern U.S. Afternoon highs of 102 degrees in downtown San Francisco, and 104 degrees at Monterey, established all-time records. The high of 101 degrees at San Jose was a record for October. Sacramento tied their record for October for the third time in the month, with a reading of 102 degrees. The high for the nation was 111 degrees at San Luis Obispo and Palm Springs. Twenty cities in the southeastern U.S. reported record low temperatures for the date, including Knoxville, TN with a reading of 34 degrees.    1991 - Two albums by Guns N' Roses debut in the top two positions on the Billboard LP chart. "Use Your Illusion II" debuts at #1, while "Use Your Illusion I" hits #2.
    1993 - The Beatles' "1962-1966" (The Red Album) and "1967-1970" (The Blue Album) are released on CD
    1998 – The House Judiciary Committee recommends a full impeachment inquiry of President Clinton.
    1999 - Paul McCartney releases his first album since the death of his wife Linda in April 1998. Entitled “Run Devil Run”, the CD is a collection of rare rock oldies with new McCartney songs
    2001 - Barry Bonds of the San Francisco Giants broke Mark McGwire's 1998 home run record when he hit the 71st homer of the season in a game against the Los Angeles Dodgers at Pacific Bell Park. Later in the game, he hit another homer. The Dodgers beat the Giants, 11-10, eliminating them from the playoffs. On October 7, Bonds his one more homer to finish the season with 73. He also broke Babe Ruth's slugging record of .847 with .863.

World Series Champions
    1942 - St. Louis Cardinals
    1953 - New York Yankees.

 

-------------------------------------------------------------

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]

 

 

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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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http://www.gasbuddy.com/
http://www.gasbuddy.com/GB_Map_Gas_Prices.aspx
http://www.gasbuddy.com/GB_Mobile_Instructions.aspx

[headlines]

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Weather

See USA map, click to specific area, no commercials

http://www.weather.gov/

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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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   From Committee (Ayes 10, Noes 0)
- Tom McCurnin on Wall of Famous Palm Restaurant
- Jeff Rudin Family Adopts Mindy
- Top Five Leasing Company Web Sites
  in North America
- Leasing News Bulletin Board Update
   Hawkins Counter Sues $50,000 Judgement
Fed Chair Asks Cobra Capital for a Survey
- Apple Moves to Direct Financing
     Leasing News Exclusive
- How Many Types of Leases?
- OnDeck Capital Hit with Several Law Suits
- President of EAR Sentenced to Five Years
- Stick Mobility--Yoga to the Next Level
  New Exercise for Individuals or Groups
- President of EAR Sentenced to Five Years
- Does Thomas Anderson Believe Latest Press Release?
    Balboa Capital Receives High Marks in Customer Service
- Dale Kluga Sees Alternate Finance Bubble Ahead
   Concerned History is Repeating Itself
- 79 page 10Q SEC Filing Marlin Business Services
    What Was Not Fully Covered in the Press Release
- "Call to Action"
  Scott A. Wheeler, CLFP, Book a Big Hit
- Marlin Business Bank Loan Website Requirements - Really?
- The top 50 brands in Quick Service and Fast Casual
- Will Voice Mail Become Part of the Past?
- FinPac, Alumni, Friends Get Together, Puget Sound
- 10 Tips to Boost Equipment Sales with Leasing
- Feds Approve CIT Acquiring OneWest Bank
- Ascentium Capital Continues to Outpace its Competitors
- Scott Wheeler's Latest Book Released
  "Call to Action"
- Charlie Chan on Balboa Capital
- The Volume Produced by Alternate Finance is Astounding
   Changing the Way Credit Decision Are Being Made
- NAELB Leasing School Says it is Time
- All Wireless Phones to Have Anti-Theft Devices
- Dan Baldwin Forms "Cloud Broker Association"
- CLFP Foundation Breaks Record, Plus 18 New Members
- FDIC Cases Against Failed Bank Directors & Officers 26 to Date
- Senior Vice President Sentenced to Federal Prison
    Loss to Bank was $991,680
- Web App with Calculator for Vendors- One Month Free Trial
- Equipment Finance Decision Maker Survey Results:
   Vendor & Small Biz
- California Proposed Law Update:
    Third Party Originators: No License Needed
- Bank Officer Gets One Year/$174,000 Judgment
- Bank of America to close drive-up tellers at 12 branches
- First American Equipment Makes it 40 CLFP's
- Ironic that Peek is at Bank of America and Thain is at CIT
- 182 Bank Officers Plus Investigated by SIGTARP
- Element Financial Tearing Up the US Market
- Which States Finance the Most Equipment
- New IdentityTheft.gov Website
- Lease One Tagged for Fraud in Lease Commitment
     by Tom McCurnin, Leasing News Legal Editor
- Three New Bulletin Board Complaints
    US Business Funding, Newport Beach, California
- Verhelle Founds Harvard Partners, LLC
- Business Loans/Cash Advance Increase
- Subject: Need a corporation 3-7 years old? Reaction
- Financial Pacific Leasing Digitizes
   End-to-End Transaction Lifecycle with DocuSign & eOriginal
- What You Didn’t See in the Marlin Leasing Press Release
- Directions to Stop Unwanted Calls and Texts to Your Mobile Phone
- "Your lease rates are too high"
- Bulletin Board Complaint
   Balboa Capital, Irvine, California
- Provide “Added Value” by Protecting Your Customer
    Get Repeat Customer/Vendor Business with These Tips
      By Christopher Menkin
- Reader Complaint About LEAF Financial Investment (Collection)
- 2015 U.S. Digital Future in Focus
     by comScore
- Report: “The Impact of Alternative Financing on the
    Equipment Leasing and Finance Industry"
- The Equipment Leasing and Finance Foundation Releases
 study "Digital Documents in the Equipment Finance Industry”
- Bulletin Board Complaint Matrix Business Capital
    First Response to Cease & Desist
- US Business Funding, Newport Beach, California
  Bulletin Board Complaint $5,915 Deposit Made in 2013
- Loan/Lease Regulations --- Update
   Don’t Have a License? Not Caught, You’re Lucky, so Far
- Update--Balboa Files: "It was an Operating Lease"
   By Tom McCurnin and Frank Peretore 
- Leasing Brokers: When May You Collect a Commission?
- Bulletin Board Complaint
    Integrity Financial Groups, Alpine, Utah
- “Capital” or “Finance” in Name, Better Have a License
- Bulletin Board Complaint
  Brian Acosta/Matrix Business Capital
- Maricle Found Guilty in Not Returning Advance Fees  
- Balboa Capital Sued in Federal Court for
        Bait and Switch Sales Tactics
- Details, Details...How Important are they?
   Very, When the Lessor Sneaks in a Blanket Lien
- What is Leasing?
    Legal Definitions by Leasing News Legal Editor Tom McCurnin
- Invest in Your Country
  U.S. Savings Bonds
- How to be a “Leasing Expert Witness”
    and Make Extra Income
- 2014 Survey Reports Expert Witness Hourly Fees
    Record All-Time Highs
- Your Photograph on LinkedIn.com
Use a Password Generator
- Banks Turn Toward Leasing for More Profit
- Why Leasing News is Different
- Take Your Banker to Lunch
- Look Out!!! --Two Evergreen/PRR Clause Lessors Merge
   Onset Financial/Mazuma Capital
- Lease Police Tips on Judging Vendors
- Netiquette: Rules of Behavior For Email and the Internet
- Alert: Rudy Trebels Back Soliciting Broker Business
- HL Leasing/John Otto--Update
- NorVergence- Year end, 2013
- Twelve Lawyers Against Evergreen Clause Abuse
- Wants to Go After Lessors and Their Attorneys
   Re: Evergreen Clause Abuses
- Sample of Usury Laws in United States
- Balboa Capital Class Action Case Settled--$5 million?
- Old Cowboy On His Horse
- Leasing Brokers: When May You Collect a Commission?
- Is Long Term Leasing Dead?
- 5 Ways Women Are Better Bosses Than Men
- Balboa Capital, Irvine, California
   $20,543.22 Bulletin Board Complaint
   Alleged “Bait and Switch”
- Female Lease Finance Association Presidents
- Broker’s Responsibility to Obtain
    California Lender’s License
- The Day that Albert Einstein Feared May Have Finally Arrived
- Equipment Finance Agreements Explained/Barry S. Marks
- Royal Links "True Lease" Court Ruling
- "The Memory Shock" –New Book by Barry Reitman
- Mazuma and Republic Bank Get Snared on PRR Provision
   by Tom McCurnin, Esq.
- Jeff Taylor's Leasing Predictions, Spring, 2006
- Radiance Capital, Tacoma, Washington
   Bulletin Board Complaint 
   Purchase Option on EFA, Won’t Return $5,000 S.D.
- New Case against Mazuma Capital and Republic Bank
  ---Automatic Evergreen Payment---PPR
- Republic Bank out of leasing?
- Charles Schwartz and Allied Health
- Copier Wars---It's more than the lease payment
    by Christopher Menkin
- Leasing Gypsies
- Verifying Tax Returns
- Special Report: Part I
   Could Church Kiosks, Royal Link Carts, NorVergence results been avoided?

   The use of “Equipment Finance Agreements”
- Special Report: Part II
    Bank of the West

   Equipment Lease Agreement (EFA)
- California License Web Addresses
- Settlement Costs vs. Litigation Costs