Leasing News - information, news, education and entertainment for the commercial bank, finance and leasing industry

######## 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.

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Report on Conditions in Columbia, South Carolina
NEFA Conference in Atlanta, Georgia a “go!”

Dwight Galloway, CLFP
SVP Broker Funding
RLC Funding
Columbia, South Carolina

Monday
"My neighborhood was fine but just across the road, whole subdivisions were several feet deep. Many roads and bridges washed out, parts of all three interstates closed, city water compromised so no drinking water and many without power.

"A couple of us made it to the office and our building happens to have power. In addition to the 12-24 inches of rain this weekend, we had already had a week of light rain that had soaked everything. Remarkable damage, six deaths thus far with rescues on going. See 'wistv.com'.

"We are working from here and others from home, approving apps, but have notified brokers fundings will probably not go out today."

Tuesday
"We are back to 100%.

"The city roads, dams and city water system (much of it destroyed) and state will be a very long time recovering."

Dwight will be covering the National Equipment Finance Association Conference in Atlanta, scheduled to open on Wednesday. Asked if he was going to make it?

"Atlanta had relatively few problems other than the always snarled traffic. They are in the north Georgia mountains and enjoy good drainage. So long as the attendees take the $2.50 train ticket on MARTA from the airport to the J W Marriott Hotel (the station is literally across the street) they should not even get wet.

"All I have to do is drive (about 4 hours) so I should have a good trip!"

Dwight

The Women in Leasing LinkedIn Group luncheon is to be held at Season’s 52 in Buckhead (Atlanta), Georgia on Wednesday October 7th, from 1:00 p.m. – 3:30 p.m.The lunch is being co-sponsored by ECS Financial Services and Financial Pacific Leasing.

Registration will be open at the J W Marriott Atlanta Buckhead Hotel. No reports of Exhibitors cancelling due to the weather:

Advanced Recovery Systems
Amerisource Funding
Bank of the West
Blue Chip Leasing Corporation
Boston Financial & Equity Corporation
Bryn Mawr Funding
Business Credit Reports
Channel Partners Capital
CLFP Foundation
Cobra Capital, LLC
Collateral Specialists, Inc.
Conestoga Equipment Finance Corp
Dakota Financial, LLC
Dedicated Commercial Recovery, Inc.
ECS Financial Services, Inc.
EDA
Equipment Finance Advisor
Financial Pacific Leasing, Inc.
FirstLease, Inc.
FORA Financial
Funding Circle
Great American Insurance
IOU Central, Inc.
Leasepath
LeaseTeam, Inc.
Marlin Business Bank
MAXIM Commercial Capital, LLC
Merchant Cash Group
Monitor
North Mill Equipment Finance, LLC
Odessa Technologies, Inc.
Orange Commercial Credit
Pawnee Leasing Corporation
Quality Leasing Co., Inc.
Quitrak, Inc.
Rapid Advance
Recovery Industry Services, LLC
Red Bridge Capital
RLC Funding
RTR Services, Inc.
TradeRiver USA, Inc.
VFI Corporate Finance
Vision Commerce, Inc.
WBL

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Originators 89% Satisfied with Current Position
Survey Finds: 56% Had Incomes of $125,000

Wheeler Business Consulting released its third annual survey of lease originators in the commercial equipment leasing and finance industry in September 2015.

140 professionals participated in the survey (20% are employed by banks, 50% are employed by independent lessors and 30% are employed by origination/broker operations).

Scott Wheeler told Leasing News, "the statistic remained basically the same at 95 participants and 120 participants from his last two surveys. 140.

56% of all originators, participating in the survey, had incomes above $125K
50% of originators, participating in the survey, working for banks earned in excess of $200K
38% of originators, participating in the survey, working for independents earned in excess of $175K
33% of broker originators, participating in the survey, earned over $175K.

Total Compensation for Originators

The participants in the survey had the following comments:

89% indicated they are satisfied with their current position
56% indicated they are paid fairly
29% had a significant increase in income over past few years
65% expect their income to increase in the coming year
29% indicated fierce competition
68% indicated income directly related to their effort

89% of the participants in the survey indicated that they are happy with their current position. Additionally, the survey reflects:

45% of all originators, who participated in the survey, anticipate funding more than $15.0MM of equipment in 2015
59% of bank participants, who participated in the survey, anticipate funding more than $35MM of equipment in 2015
41% of independents, who participated in the survey, anticipate funding more than $15MM of equipment in 2015
75% of brokers, who participated in the survey, anticipate funding less than $10MM in 2015

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

To Sign up for Scott Wheeler Weekly Sales tips, click:http://wheelerbusinessconsulting.com/salestipregistration.html

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Ascentium Capital Surpasses $1.5 Billion
in Funded Volume Since Inception

Tom Depping
CEO

“Ascentium Capital’s momentum led to a remarkable third quarter. Our net investment reached $790 million, representing a 53 percent increase from the previous year,” stated Tom Depping, Chief Executive Officer at Ascentium Capital. “We continue to invest in the right infrastructure to drive efficiencies and to ensure our financial products meet the needs of the continually changing business environment nationwide.”

Ascentium surpassed $1.5 billion in funded volume since its inception on August 4, 2011. Third quarter also resulted in strong financial performance with a funded volume increase of 48 percent over the same period last year.

Richard Baccaro
Chief Sales and
Marketing Officer

Chief Sales and Marketing Officer, Richard Baccaro, commented, “Our growth is driven by the talent of our people and our customized finance platform. Ascentium’s strategic niches are in growth-mode and we will be intensifying recruitment to meet the demand for our vendor programs.”

The company press release reported, "As a direct lender, Ascentium Capital specializes in providing business financing, leasing, and loans for equipment manufacturer and distributor programs as well as direct to businesses nationwide. The company is backed by the strength of leading investment firms Vulcan Capital and LKCM Capital Group, LLC. For more information, please visit https://ascentiumcapital.com/."

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.

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Best Egg Secures $100 Million Marketplace Loans
from Cross River Bank, Teaneck, New Jersey

"This securitization marks the first joint transaction by a marketplace lender, Marlette Funding, and an FDIC-insured bank, Cross River Bank," according to Philip Ryan, Bank Innovations.

"Marlette Funding operates its loan business under the name Best Egg, and has originated about $1 billion worth of loans in the past 15 months. Leading up to this transaction, CRB has been keeping about 10% of Marlette originations on its balance sheet, and Marlette has been retaining an undisclosed portion of its loans on its balance sheet as well. Retaining risk in this way is not standard procedure for banks and marketplaces participating in these loans. Instead, the loans are typically taken on by secondary investors, but CRB and Marlette indicated to Lend Academy that they believe 'having skin in the game' constitutes the best practice for the industry.

"Marketplace lending is a small but massively expanding sector– Lending Club has facilitated more than $11 billion in loans since its founding in 2006, Prosper and SoFi are closing in on $5 billion, and the list goes on — but securitization of those loans is still in its infancy.

"Marlette indicated it expects to perform similar transactions every three to six months going forward, with CRB as well as other participants in Best Egg loans.

"Marlette and CRB will share a 12.5% equity tranche in the issuance, according to a report by Lend Academy."

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No Final Decision on Subsidiaries and Affiliates
of National Banks Must be Licensed in California
by Marshal Goldberg, Esq.

There is no final decision or legislation enacted yet as to whether bank subsidiaries that produce commercial or consumer loans or both, will continue to be exempt from the requirement to secure finance lender's licenses in California.

The Dodd-Frank act permits states to regulate bank subsidiaries and as such, the California Department of Business Oversight (DBO) has sought to reverse the long-standing exemption. If adopted, the proposed regulation would require subsidiaries and affiliates of national banks (and federal savings associations) that lend in California to become licensed under the California Finance Lender's Law.

The DBO recently rendered a modification to the proposed exemption elimination. The DBO now proposes to eliminate the license exemption only as to consumer lenders, but not commercial lenders. Although the proposed modification references California Residential Mortgages and consumer loans, it would be premature to assume that Financial Code 22050 will be interpreted to exempt commercial loans of national bank subsidiaries.

Marshall Goldberg
Glass & Goldberg, ALC
21600 Oxnard Street, Suite 320
Woodland Hills, CA 91367.
(818) 888-2220
mgoldberg@glassgoldberg.com

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Bank of Arbor Rated as One of Nations Best Banks
to Work for, Supports UniFi Equipment Finance

(Bank of Ann Arbor works work with and support UniFi Equipment Finance, formerly Ervin Leasing, as a subsidiary company. Bank of Ann Arbor, along with UniFi, was recently named as one of the best banks to work for in the country by American Banker’s. This is the second time winning the award in the past three years.)

Ann Arbor, Michigan– Bank of Ann Arbor has been named one of American Banker’s Best Banks to Work For in the United States for the second time in the last three years.

The program was initiated in 2013 to identify, recognize, and honor the best banks to work for in the nation. It is a project of the daily industry publication, American Banker, and Best Companies Group. In all, 50 banks out of approximately 6,500 financial institutions in the country achieved “Best Bank” status in this third year of the program.

Highlights from the survey, completed by over 80% of the Bank of Ann Arbor employee base, included our award winning wellness program, our free summer concert series, Sonic Lunch, as a popular employee and community activity, and the bank was recognized throughout the survey as a great place to work. Some of the comments on working at Bank of Ann Arbor are highlighted as follows:

“The organization treats its employees respectfully and fairly. It has a culture which encourages community involvement and provides its customers with high quality products and services. The organization is characterized by high ethical standards”.

“The culture is terrific. People work hard but there is always an element of fun. Collaboration, encouragement, and appreciation are tenants of the bank. In addition, the bank is high performing and enjoying significant growth. All of us enjoy being on a winning team”.

“Bank of Ann Arbor is a leader in the market, not only with its financial services, but what it does in the way of community involvement. Our employees are active in the communities we serve. A great team that cares about our customers, the community, and each other."

The culture here is amazing, it feels more like being with family than going to work. There is energy throughout the whole organization around being the premiere financial institution in the communities we serve.

“Everyone feels like they are part of a solution, and always feel valued as a member of the team. It is very rewarding”.

“Great benefits, including profit sharing and free exercise classes. Fun events such as Sonic Lunch, jeans days, and Halloween costumes”.

“Great community of employees. Excellent work ethic across the board. We truly feel as a team working toward a common goal with mutual respect for everyone, from the lowest paid to the highest”.

“Transparency and inclusiveness when sharing company results through semi-annual all employee meetings”.

“Hires the “best of the best” and treats their employees extremely well”.

“I LOVE WORKING HERE. I LOVE THE PEOPLE AND THE CUSTOMERS”.

Tim Marshall
President/CEO
Bank of Ann Arbor

“It is quite an honor to be recognized as one of the best banks to work for in the country – not once but twice. Even more gratifying were the comments from our colleagues at the bank and our wholly owned subsidiary, UniFi Equipment Finance, which highlighted our strong culture and value system, wonderful benefits, terrific and collaborative team, unwavering commitment to the community, and a fun and great place to work”, commented Tim Marshall, President and CEO. “We developed a brand promise years ago to live up to that Bank of Ann Arbor “Helps”. Helping is what we do whether it is with our colleagues or clients. It is evident that our colleagues love doing it and our community values it. A winning combination that is reflected in Bank of Ann Arbor being recognized as one of the top 50 Best Banks to Work For in the country”.

About Bank of Ann Arbor
Bank of Ann Arbor is a locally owned and operated bank with total assets and assets under management of over $2 billion, serving people and businesses in Southeast Michigan with offices at the corner of Fifth Avenue and Washington Street in downtown Ann Arbor, in the Traver Village Shopping Center, at the corner of Stadium and Liberty streets, on West Ellsworth Road in Pittsfield Township, on West Michigan Avenue in downtown Ypsilanti, in Plymouth on Ann Arbor Road and on East Michigan Avenue in downtown Saline. UniFi Equipment Finance, the banks newest acquisition headquartered in Ann Arbor, is a well-established company with a national presence in the small ticket vendor space. UniFi has funded more than 85,000 transactions, totaling over $1 billion.
www.boaa.com / www.unifiedge.com Visit us on Facebook, Twitter, and LinkedIn.

About American Banker
American Banker is the leading information resource serving the banking and financial services community. The daily print edition of American Banker was first published in 1835. Its online counterpart has been live since 1996.

Together, these resources set the agenda for a fast-changing industry, keeping a close eye on large and small institutions, tracking traditional and insurgent forces, parsing the business models of diversified and specialist players. American Banker.com, relaunched on October 1, 2007, is a complete information platform for banking professionals and the primary online destination for SourceMedia's Banking Group. The site is organized into vertical market segments and also contains the home pages of our sister publications American Banker Magazine and Bank Technology News.

About Best Companies Group
Best Companies Group was formed in January of 2004, with the purpose of identifying and recognizing best employers within a city, statewide, regional and industry stages. BCG will partner with B-to-B media and other business or human resource organizations to publicize the opportunity, encourage participation and to recognize those who make the list of "Best Places to Work". For more information on the Best Banks to Work For program, visit www.BestBankstoWorkFor.com or contact Jackie Miller at 877-455-2159.

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Marlin "Partners" with Hartford Insurance
to Offer Full Business Insurance

MOUNT LAUREL, N.J., -- Marlin Business Services Corp. (NASDAQ:MRLN) has announced a new partnership with The Hartford, a leading property and casualty insurance carrier, to offer small businesses a broad range of commercial insurance products and coverages to protect their businesses and employees.

This partnership with The Hartford marks the latest step by Marlin to offer a "one stop shop" to meet the financial needs of small business owners. Marlin offers extend to providing innovative business equipment financing programs, access to working capital and insurance solutions at a time of growing demand from the nation's 28 million small businesses.

Daniel P. Dyer
Marlin Business Co-Founder/CEO

"We are excited to offer business insurance options for our small and mid-size business clients," said Daniel P. Dyer, Marlin's co-founder and Chief Executive Officer. "Teaming with The Hartford, a leader in property and casualty insurance, will help connect our customers to the expertise they deserve and a leader that understands the industry."

Research shows that small business owners view the insurance experience as a balancing act between purchasing coverage that's just right – i.e., not too much, not too little – but at a price they can afford. The partnership with The Hartford enables Marlin to refer commercial customers to an insurer that can provide the right amount of coverage to help address unique small business needs.

The advantages to small business clients include:

Insurance coverages, including Workers' Compensation (dependent upon state), Business Owner's Policy (business property and business liability coverage) and Business Auto insurance.

Flexible coverage & service options with cost effective packages which can be tailored for specific small business needs.

Experience that comes from insuring more than 1 million small business customers and protecting small businesses for more than 200 years.

Kevin Sanborn
VP, Small Business Alliance
Hartford

"We are proud to partner with Marlin, a leading provider of lending solutions for small and mid-size businesses," said Kevin Sanborn VP, Small Business Alliance Center at The Hartford. "As an insurance carrier, we believe in the importance of protecting small business owners from the unexpected so that they can stay up and running. Our partnership with Marlin will help ensure small business owners have the right resources and protection in place to succeed."

About Marlin Business Services

Marlin Business Services Corp. is a nationwide provider of commercial lending solutions for small and mid-sized businesses. Through its wholly owned operating subsidiary, Marlin Business Bank, Marlin provides innovative commercial financing programs. Our equipment financing and loan products are offered directly to businesses, and through third party vendor programs, which includes manufacturers, distributors, independent dealers and brokers. Since its inception in 1997, Marlin has extended credit to over a quarter of a million business customers. Our mission is to offer convenient financing products while providing the highest level of personalized customer service. Marlin is publicly traded (NASDAQ: MRLN). For more information about Marlin, visit www.marlincorp.com or call toll free at (888) 479-9111. For more information about Funding Stream, visit www.fundingstream.com.

About The Hartford

With more than 200 years of expertise, The Hartford (HIG) is a leader in property and casualty insurance, group benefits and mutual funds. The company is widely recognized for its service excellence, sustainability practices, trust and integrity. More information on the company and its financial performance is available at www.thehartford.com. Join us on Facebook at www.facebook.com/TheHartford. Follow us on Twitter at www.twitter.com/TheHartford.

All Hartford insurance products and services are sold directly by The Hartford. Marlin is not a licensed insurance producer or agent of The Hartford. Marlin receives compensation from The Hartford for Marlin's endorsement and promotion of the insurance products and services offered by The Hartford.

The Hartford® is The Hartford Financial Services Group, Inc. and its subsidiaries, including issuing companies, Hartford Fire insurance Company, Hartford Life Insurance Company and Hartford Life and Accident Insurance Company. Its headquarters is in Hartford, CT. Coverage is underwritten by Hartford Fire Insurance Co. and its property and casualty insurance affiliates. In TX, this insurance is written by Sentinel Insurance Company, Ltd., Hartford Accident and Indemnity Company, Hartford Fire Insurance Company, Hartford Insurance Company of the Midwest, Trumbull Insurance Company and Twin City Fire Insurance Company. In WA, this insurance is written by Hartford Accident and Indemnity Company and Sentinel Insurance Company, Ltd. In CA, this insurance is written by Sentinel Insurance Company, Ltd. (CA lic. #8701) and its property and casualty affiliates, One Hartford Plaza, Hartford, CT 06155.

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

Swiss/Bernese Mountain Dog Mix
West Columbia, South Carolina Adopt-a-Dog

Lexi
Female
Color: Black-with tan, yellow or fawn
18 months old
69 lbs.

"I am already spayed, up to date with shots, good with kids."

Lexi's Story...

"Lexi is a Swiss Mountain Dog mix spayed female. She is about 18 months old. The Swiss Mountain dog is actually similar to the Burmese Mountain Dog. She weighs about 69 lbs. She was found as a stray puppy in a nice neighborhood, but we could never find her owner. She is very, very sweet licking your hands as well as your face. She has lived with other dogs, but just recently she found two dogs that she didn't like and had an altercation with them, so we cannot really say that she would be good with other dogs. She is WONDERFUL with people. Would be an excellent family dog."

FIDO DOG RESCUE
Adoption $175
Contact: Charlotte Ramsey
Phone: (803) 796-2390
E-mail: hishouse02@aol.com
Website: http://fido.petfinder.com
Address: West Columbia, SC 29170

Our Adoption Process...
1. Completion of a contract
2. A home visit is made to acceptable homes
3. Veterinarian of prospect is called
4. Contract is sighed
We look for homes looking for INSIDE DOGS, preferably a fenced yard, no children under 3, and those who have had a good track record with former dogs

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

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Asset Management: Minneapolis, MN NetSentric provides services to leasing companies: Inspection, Appraisals, Auditing, Warehousing, Repossession, Asset Management, Repairs, Remarketing and Field Service for Electronics and Computing Technology. Email: jcahill@netsentricinc.com	Asset Management: 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
Asset Management: Monroe, NC Recover a greater return on your investment. We specialize in the woodworking, pallet, sawmill and forestry industries. Carolinamachinerysales.com/ Melinda Meier (704)288-1904 x103	Nationwide Seasoned and fair priced workforce is at your service for all lease collections, repossessions, and asset liquidations, appraisals. Call Nassau Asset Management 800-462-7728 dcastagna@nasset.com
Asset Storage/Re-Marketing: Ohio & surrounding states. Providing no cost warehousing, condition reports, digital photos and remarketing of off-lease forklifts & industrial equipment. NAFTA wide dealer network. Email to GCochran@OhioLift.com	Asset Management 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
Bulldog Asset Management provides recovery and remarketing services with a difference. Contingent repos, free storage and industry experts to remarket. http://bulldogasset.com/contact www.bulldogasset.com	Asset Management: Global Specializing in Semiconductor and Electronic Test Equipment collateral. Lender services include Consignment Sales, Remarketing, Portfolio Purchases, Inspections, De-installation, Repairs and Warehousing. testequipmentconnection.com Email

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)

News Briefs---

Kabbage Funding More Than $5 Million per Day
Loan Volume Grew 60% from 1st Q to 3rd!
http://www.prweb.com/releases/2015/10/prweb13001220.htm

US companies holding $2.1 trillion offshore profits
30 corporations held two-thirds of the cash
http://www.cnbc.com/2015/10/06/us-companies-holding-21-trillion-offshore-profits.html

What went awry at Inland Bank?
"the bank has stopped hunting for deals"
http://www.chicagobusiness.com/article/20151003/ISSUE01/310039981/
what-went-awry-at-inland-bank

U.S. Smartphone Subscriber Market Share
comScore Reports August 2015
http://www.comscore.com/Insights/Market-Rankings/comScore-Reports-August-2015-US-Smartphone-Subscriber-Market-Share

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

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--You May Have Missed It

Leasing "Why do we care?"
"It's less than $1 a day"
https://www.linkedin.com/pulse/why-do-we-care-its-less-than-1-day-robert-bob-heimbrock?trk=hp-feed-article-title-like

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SparkPeople--Live Healthier and Longer

6 Ways to Beat Insomnia
Take the Stress Out of Sleep
http://www.sparkpeople.com/resource/wellness_articles.asp?id=215

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Stop Action
Slowly as in an underwater dance
the shortstop dips to take the ball
on a low hop, swings back his arm, balancing
without thought, all muscles intending
the diagonal to the first baseman's glove.
As the ball leaves his hand, the action stops —
and, watching, we feel a curious poignancy,
a catch in the throat. It is not this play only.
Whenever the sweet drive is stopped
and held, our breath wells up like the rush
of sadness or longing we sometimes feel
without remembering the cause of it.
The absolute moment gathers the surge
and muscle of the past, complete,
yet hurling itself forward — arrested
here between its birth and perishing.
Written by Conrad Hilberry, published in
“Line Drives,” 100 Contemporary Baseball
Poems edited by Brooke Horvath and Tim Wales,
published by Southern Illinois University Press

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Sports Briefs----

Five reasons whythe Astros beat the Yankees
http://blog.chron.com/ultimateastros/2015/10/06/five-reasons-why-the-astros-beat-the-yankees/

Stallworth: Brady paid practice squad players if they intercepted him
http://www.cbssports.com/nfl/eye-on-football/25329379/stallworth-brady-paid-practice-squad-players-if-they-intercepted-him

SF 49ers: The Sad Downfall of a Proud Franchise
http://bleacherreport.com/articles/2575799-san-francisco-49ers-the-sad-downfall-of-a-proud-franchise

Jed York’s biggest mistakes (Kaepernick Edition):
Under-valuing the QB expertise of Harbaugh and Roman, over-valuing Dilfer, Chryst, and… Steve Logan? WTH?
http://blogs.mercurynews.com/kawakami/2015/10/05/jed-yorks-biggest-mistakes-kaepernick-edition-under-valuing-the-qb-expertise-of-harbaugh-and-roman-over-valuing-dilfer-chryst-and-steve-logan-wth/

49ers Owner Tweets Offer For Tickets, Gets Roasted In Responses
http://sanfrancisco.cbslocal.com/2015/10/05/49ers-owner-tweets-offer-for-tickets-gets-roasted-in-responses/

Why Giants, Redskins, Raiders are better than Cowboys
http://www.dallasnews.com/sports/dallas-cowboys/headlines/20151006-gosselin-s-nfl-rankings-why-giants-redskins-raiders-are-better-than-cowboys.ece

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California Nuts Briefs---

Read California governor Jerry Brown’s moving letter
in support of assisted dying
http://qz.com/517618/read-california-governor-jerry-browns-moving-letter-in-support-of-assisted-dying/

Governor OKs bill for third lane on San Rafael bridge, but work still two years away
http://www.marinij.com/general-news/20151005/governor-oks-bill-for-third-lane-on-san-rafael-bridge-but-work-still-two-years-away

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“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

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     1542 - Cabrillo discovered Santa Catalina Island off the California coast.
    1691 – The English Royal Charter for the Province of Massachusetts Bay was issued.
    1728 - Birthday of Caesar Rodney (d. 1794) near Dover, DE. Signer of the Declaration of Independence and most famous for his midnight ride. Rodney's ride ended up at the doorstep of Independence Hall where he cast the decisive Delaware vote for Independence. Rodney is on a quarter issued by the US Mint in 1999, the first in a series of quarters that commemorate each of the 50 states.
http://www.ushistory.org/march/bio/rodney.htm
http://www.colonialhall.com/rodney/rodney.asp
http://www.state.de.us/facts/history/rodnbio.htm
    1763 - King George III issued the Royal Proclamation of 1763 closing aboriginal lands in North America north and west of Allegheny Mountains to white settlements.
    1777 - In the second Battle of Bemis Heights, near Saratoga, NY, the Americans routed a force of some 1500 British. Benedict Arnold was wounded while attempting to force an entrance into the Hessian camp, and British Gen. Simon Fraser was killed.
    1780 - British and Tory forces were defeated at King's Mountain, South Carolina, by Americans under Col. William Campbell, Col. Isaac Shelby, and Col. Benjamin Cleveland. The British commander, Maj. Patrick Ferguson, and 160 others, were killed. Nearly 800 prisoners were taken.
    1821 - Birthday of William Still (d. 1902), chronicler of “The Underground Railroad Records,” born near Medford, in Burlington County, N.J
http://www.undergroundrr.com/stillbiofr.html
http://www.undergroundrr.com/firstfamily.html
    1826 – The Granite Railway began operations as the first chartered railway in the U.S.
    1832 - Birthday of Charles Converse (d. 1918), American lawyer and sacred composer. Converse penned the hymn tune “CONVERSE”, to which we sing today "What a Friend We Have in Jesus."
http://www.cyberhymnal.org/bio/c/o/converse_cc.htm
    1833 - Margaret Fox (d. 1893) - U.S. spiritualist birthday, Hydesville, NY. Along with her younger sister Catherine (1839), they are both said to have invented the field of spiritualism. At least they were among the most popular and much sought-after spiritualists of the era of table tapping and sounds from the dead. Later in life Margaret turned to religion and sister Catherine recanted spiritualism and then recanted her recanting. As teen-agers they appeared to have attracted poltergeist-like manifestations. The primary divination method used by the Fox sisters in séances was table tapping - a method in which those in the spiritual (after death) realm used tapping sounds on the table, the walls and the floor to communicate. According to tradition, one of the sisters was able to snap her big toe on the floor to create the tapping sound. Horace Greeley was convinced the sisters were authentic and they got the backing of his New York Tribune. Later in life Margaret Fox revealed it started out as a game and turned into outright charlatan.
http://psychicinvestigator.com/demo/Foxtxt.htm
    1849 - Birthday of American Poet James Whitcomb Riley, Greenfield, IN; died July 22, 1916.
http://www.jameswhitcombriley.com/
    1864 - Naval Engagement at Bahia Harbor Brazil-CSS Florida vs USS Wachusett The Union warship Wachusett captures the famed Confederate raider Florida while the Rebel ship is in port at Bahia, Brazil. After the Yankee crew sailed the Florida out to sea, the Brazilian government protested the invasion of its neutrality. The Union returned the ship and crew to the Confederate government, but the Florida sunk six weeks later off Hampton Roads, Virginia.
http://www.csa-dixie.com/Liverpool_Dixie/exhib.htm
    1864 - Battle of Darbytown Road, Virginia. In the summer of 1864, the campaign between Lee and Union General Ulysses S. Grant ground to a halt at Petersburg, 25 miles south of Richmond. Seeking to halt the march to Richmond, Lee sent two divisions under Generals Charles Field and Robert Hoke to move around the end of the Union line and attacked 1,700 cavalrymen. The assault sent the Yankees into a quick retreat. The Confederates captured eight cannons and drove the Union troopers into the breastworks of General Alfred Terry. Alerted to the advancing Confederates, Terry summoned reinforcements to his position. By the time the Confederates worked their way through the thick foliage, they faced a strong Union force. Lee ordered an attack anyway. Brigades advanced one at a time, and the Yankee artillery tore the lines apart. By the afternoon, the Confederates withdrew to their original position. They lost 700 men while the Yankees lost only 400, and no ground was gained. Lee did not make another attempt to regain the ground and focused instead on setting up defenses closer to Richmond. (There seems to have been several skirmishes around Darbytown Road, but here is from the writing on a solider of the Fourth Oneida Regiment, New York, who was at the scene: “Efforts by the rebel forces to retake Fort Harrison on the 30th were not successful. General Grant decided not to renew the attack on the 30th, ordering the Army of the James to maintain its defensive position in preparation for General Lee's subsequent unsuccessful counterattack,” that followed.
http://www.117nyvi.org/reghist.htm
http://www2.cr.nps.gov/abpp/battles/va077.htm
    1868 - Cornell University welcomes its first students; initial student enrollment is 412, the highest at any American university to that date.
(Lower half of:
http://memory.loc.gov/ammem/today/oct07.html
    1884 - The first black Major League baseball player was Moses Fleetwood Walker (d. 1924), who was born in Mt. Pleasant, OH. He played for Toledo in the American Association. Walker made his Major League debut on May 1 against the Louisville. In 42 games, Walker had a batting average of .263, which was above the league average. His brother, Weldy Walker, later joined him on the team, playing in six games. The Walker brothers are the first known African-Americans to play baseball in the Major Leagues.
http://www.oberlin.edu/external/EOG/OYTT-images/MFWalker.html
http://www.nlbpa.com/walker__moses_fleetwood.html
    1888 - Birthday of sculptor Sargent Johnson (d. 1967) in Boston. One of the first African-American artists working in California to achieve a national reputation.
http://www.ijele.com/ijele/vol1.2/montgomery.html
http://www.ijele.com/ijele/vol1.2/images1.2/mont/index.htm
http://www.artcyclopedia.com/artists/johnson_sargent_claude.html
    1896 - Dow Jones began reporting an average of the prices of 13 industrial stocks in The Wall Street Journal. In the early years, these were largely railroad stocks. In 1928, Mr. Dow expanded the number of stocks to 30, where it remains today. Today, the large, frequently-traded stocks in the Dow Jones Industrial Average represent about a fifth of the market values of all US stocks.
    1897 – Elijah Muhammad (d. 1975) was born Elijah Robert Poole, in Sandersville, GA. He was leader of the Nation of Islam (NOI) from 1934 until his death in 1975. He was a mentor to Malcolm X, Louis Farrakhan, and Muhammad Ali.
    1904 – Jack Chesbro of the New York Highlanders set a Major League record that still stands by winning his 41st game of the season, beating the Boston Americans, 3-2.
    1905 - Actor Andy Devine (d. 1977) was born in Flagstaff, AZ. He was a character actor and comic cowboy sidekick to Roy Rogers and others, known for his distinctive, whiny voice.
    1905 – Meyer Levin (d. 1981) was born Chicago, Illinois. His 1956 novel, “Compulsion”, based on the Leopold and Loeb murder trial, earned him enough money to devote nearly the rest of his life to an epic saga of modern Israel. It took him 15 years and resulted in two big novels, “The Settlers” and “The Harvest”.
http://www.geocities.com/meyerdotcom/
http://us.imdb.com/name/nm0505670/
    1916 - Georgia Tech University defeated Cumberland 222-0, in the most lopsided college football game of all time.
    1919 – Dickie Kerr of the White Sox overcame errors by Swede Risberg and Happy Felsch to win Game Six of the World Series, 5-4. Buck Weaver and Shoeless Joe Jackson combined for seven hits, and Chick Gandil, another one of the eight "Black Sox” singles in the winning run in the 10th inning. Kerr won his second game as the Sox now trailed the best-of-nine Series by a 4-2 margin.
    1924 - Louis Armstrong's first session with the Fletcher Henderson Orchestra.
    1925 - Birthday of drummer Alvin Stoller (d. 1992), New York City
    1936 – The Brooklyn Dodgers fired manager Casey Stengel. Thirteen years later, Stengel was hired by the Yankees and led the team to five straight World Championships (1949-53) and 7 in 13 years.
    1940 - Artie Shaw's orchestra recorded Hoagy Carmichael's standard, "Stardust" -- for Victor Records.
    1942 - "TIME" magazine described "Command Performance", which debuted this day, as “...the best wartime program in radio.” The show was originally produced by the U.S. War Department in cooperation with Armed Forces Radio Services specifically for those in the military overseas. It continued until 1949 and was reprised for more than three decades in syndication. "Command Performance" was hosted by Bob Hope, Bing Crosby, Don Wilson and Harry Von Zell and featured just about every major Hollywood and Broadway star.
    1947 - Top Hits
“I Wish I Didn't Love You So” - Vaughn Monroe
“Feudin' and Fightin'” - Dorothy Shay
“I Wonder Who's Kissing Her Now” - Perry Como
“Smoke! Smoke! Smoke! (That Cigarette)” - Tex Williams
    1950 - U.S. forces invaded North Korea across the 38th parallel. The first tank crew to cross was a patrol of the 1st Cavalry Division that crossed into the Kaesong Area, about 85 miles south of the Communist capital of Pyonsang, at 3:14pm. The crew members were Sergeant Homer Lee of Evansville, IN, Private First Class James Emerich of Sutton, WV, Sergeant Walter Hill of Fairmont, ND, Sergeant Charles Gissendanner of Autaughville, AL, and Corporal Clarence Johnson of Taylorsville, NC.   The 38th parallel was the line of latitude that had divided North Korea from South Korea since the end of World War II.
    1950 - “The Frank Sinatra Show” premiered on TV. Singer Frank Sinatra's first series was a musical variety show featuring regulars Erin O'Brien and comic Ben Blue. However, during the last season, this show was cut from an hour to 30 minutes at it could not compete with “The Texaco Star Theater” with Milton Berle, the most popular TV show of the time.
    1955 - The religious drama 'Crossroads' first aired over ABC television. An anthology which dramatized true experiences of clergymen of all denominations, the program ran for two years.
http://www.tvtome.com/tvtome/servlet/EpisodeGuideSummary/showid-7969/season-all
    1955 - Top Hits
“Love is a Many-Splendored Thing” - The Four Aces
“Autumn Leaves” - Roger Williams
“Moments to Remember” - The Four Lads
“The Cattle Call” - Eddy Arnold
    1955 – Poet Allan Ginsberg performed his poem “Howl” for the first time at the Six Gallery in San Francisco.
    1956 - A U.S. House subcommittee began investigations of allegedly rigged TV quiz shows.
    1960 - "Route 66" premieres. Each week from 1960 through 1964, the “Route 66” television show came into the living rooms and dens of American homes. The series, written by Stirling Silliphant, tracked the adventures of two young men traveling down Route 66. The two drove from town to town along the route in a 1960 Chevrolet Corvette. The series, which lasted four seasons, shot a total of 116 episodes, 36 per year at 36 different locations every year. Before the “Route 66” show became history in 1964, the show compiled an incredible 20.1 average rating, making it one of the highest rated shows of that time. Originally starring George Maharis as Buz Murdock and Martin Milner as Tod Stiles, Maharis left the show in midseason to be replaced by Glenn Corbett as Linc Case. The stories centered around their travels on Route 66 in their Corvette convertible, working at odd jobs and helping people, searching for adventure. Jazz was played predominately as background music. The theme was written by Bobby Troupe and became a hit song again.
http://www.tvtome.com/Route66/
http://www.route66products.com/home.html
http://www.autobahn.mb.ca/~gardners/BobbyTroup.htm
    1963 - Top Hits
“Blue Velvet” - Bobby Vinton
“Be My Baby” - The Ronettes
“Sugar Shack” - Jimmy Gilmer & The Fireballs
“Abilene” - George Hamilton IV
    1964 – In their final World Series until 1976, the New York Yankees took on the St. Louis Cardinals. This marked the 14th World Series in the past 16 years for the Yanks, a record of superiority unmatched in sports. This was also their 29th Series appearance since 1923, a span of 42 years.
    1968 - The movie industry adopts a film ratings system for the first time. The initial ratings were G (for general audiences), M (for mature audiences), R (no one under 16 admitted without an adult), and X (no one under 16 admitted). 1990, the Motion Picture Association of America replaced the X rating with NC-17, after its Code and Ratings System Administration gave 10 mainstream films the X rating. NC-17 was designed to indicate a non-pornographic film with sexual content that might be inappropriate for viewers under 17.
    1973 - 40,000 football fans failed to use their pro-football tickets, opting instead to watch games on TV since legislation was signed lifting blackout rules of games. It was not soon after that the league re-introduced the “black out” rule if a game did not sell a certain percentage of tickets.
    1975 - Military service academies' enrollment of women was authored by an act of Congress,” to insure that female individuals shall be eligible for appointment and admission to the service academies beginning with appointments to such academy for class being inning in calendar year 1976.”
    1979 - The final day of the fall round up and trail drive for the Ninety-Six Ranch. The Ninety-Six lies along Martin Creek, a tributary of the Little Humboldt River in the upper section of Paradise Valley, Humboldt County, Nevada.
http://memory.loc.gov/ammem/today/oct07.html
    1982 – “Cats” opened on Broadway. The longest-running production in Broadway history, “Cats” was based on a book of poetry by T.S. Eliot and had a score by Andrew Lloyd Webber. More than 10 million theatergoers saw the New York City production, which closed September 10, 2000 after 7,485 performances. “Cats” was also produced in 30 other countries.
    1984 - Running back Walter Payton of the Chicago Bears broke two records held by Jim Brown in the same game. He passed the mark of 12,312 career rushing yards and rushed for 100 yards or more for the 58th time in his career as the Bears beat the New Orleans Saints, 20-7.
    1985 - Lynette Woodard, captain of the gold-medal-winning US basketball team of the 1984 Olympics was selected to be the first woman to play for the Harlem Globetrotters.
http://www.harlemglobetrotters.com/history/tl_1985.html
    1985 – The cruise ship “Achille Lauro” was hijacked by the PLO.
    1987 - Top Hits
“Didn't We Almost Have It All” - Whitney Houston
“Here I Go Again” - Whitesnake
“Lost in Emotion” - Lisa Lisa & Cult Jam
“You Again” - The Forester Sisters
    1988 - Robin Givens files for divorce after 8-month marriage to Mike Tyson
    1993 - Toni Morrison was awarded the Nobel Prize in literature. She was the first black woman to receive the award and one of America's most significant novelists of the twentieth century. She is the Author of six major Novels, "The Bluest Eye", "Sula", "Song of Solomon", "Tar Baby", "Beloved" and "Jazz". "Song of Solomon" won the National Book Critics Circle Award in 1977 and "Beloved" won the Pulitzer Prize in 1988.
    1996 – The Fox News Channel began broadcasting.
    1998 – Matthew Shepard, a gay student at the University of Wyoming was found tied to a fence after being savagely beaten by two young adults in Laramie.
    2001 - The Global War on Terrorism began as a result of the September 11 attacks. The US invasion of Afghanistan initiates with an air assault and covert operations on the ground.
    2003 - The governor of California, Gray Davis, was recalled. It made
way for actor Arnold Schwarzenegger to become governor after a statewide election.
    2011 - Over 110 people are arrested in Queens, New York as part of the largest identity theft and retail crime ring in U.S. history.

World Series Champions
    1933 - New York Giants
    1935 - Detroit Tigers
    1950 - New York Yankees
    1952 - New York Yankees

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