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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
   




Wednesday, October 21
, 2015



Today's Equipment Leasing Headlines

In a Surprise Move, Marlin Business Co-Founder/CEO
  Daniel P. Dyer Resigns
Federal Bureau of Prisons
 Barry Drayer Released after Serving 13 Years
Small Business Alternative Lending Conference
 Five Take Aways by Bob Coleman
FinTech #102  by Charles Anderson
“Instant Credit Decisions” – Part I
Leasing Industry Ads---Help Wanted
Ascentium/Channel/IMCA
Negotiating Employment Agreements or the Real Reason
Jennifer Lawrence Got Paid Less Than Bradley Cooper
Sales Make it Happen by Scott Wheeler, CLFP
Expanding Niches
Robyn Barrett Elected to Executive Committee
  of the Commercial Finance Association
Bob Fisher, CLFB,  Amy Spragg, CLFP
  Receive Cindy Spurdle Aware of Excellence
Labrador Retriever Mix
Willingboro, New Jersey  adopt-a-Dog
Leasing News Classified Ads
Lease Portfolio / Legal
News Briefs---
LeasePlan next on Element Financial's agenda
---Australian and New Zealand arm of Dutch fleet company
Why Leasing Rules, Electric Car Drivers Love 'Em,
  But Don't Buy 'Em:
Credit Agricole to pay $787MM for banking violations
  on behalf of Iran, Sudan
Credit Agricole to pay $90.4MM penalty
 and consent to U.S. Federal Reserve
Regions Bank Thomas A. Neely to Pay $100,000 fine
 plus banned from Insured Depository Institutions
Marlin Files Annual Report of Holding Companies
 Bank, Leasing, Finance, Insurance, Receivables Co's

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
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######## 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.





Friday Edition: "Managing Risk amid High Competition"
Credit and Collections #102 by Ben Carlile



[headlines]

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


In a Surprise Move, Marlin Business Co-Founder/CEO
Daniel P. Dyer Resigns

Daniel P. Dyer, age 57, announces his retirement from the position of Chief Executive Officer and Director of Marlin Business Services Corp., effective October 20, 2015.

Edward J. Siciliano, age 53, the Registrant’s Executive Vice President and Chief Sales Officer, has been named interim CEO, effective October 20, 2015, and will serve in that role while the Registrant’s Board of Directors conducts a search for a permanent CEO. Sicilanao
was hired October 10, 2007. Prior he worked at ALK Technologies, where he held the position of Vice President of Sales and Marketing. His previous experience includes serving as Senior Vice President of Sales & Marketing for Applied Theory Corporation and National Account Sales Director for Xerox Corporation.
https://www.linkedin.com/pub/edward-j-siciliano/0/261/10a

Dyer’s  termination agreement calls for all accrued but unused paid time off, two times Executive’s current base salary, or eight hundred fifty-four thousand five hundred and twenty-eight dollars ($854,528.00); (b) Two times Executive’s average of incentive bonus for two fiscal years preceding the Date of Termination, or seven hundred fifty-eight thousand six hundred and twenty-five dollars ($758,625.00); (c) The “COBRA Payment” which shall be an amount equal to twenty-four (24) times the monthly applicable premium Life Insurance, incentive bonus, all stock options granted to Executive after October 14, 2003. Bloomberg as well as SNL Financial noted his 2014 compensation was $1,275,790 (a)

The document also includes a consulting agreement until the first anniversary of the Date of Termination. (b)

A press release was issued that made the announcement as noted in
the first paragraph. It continues:

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

Mr. Dyer, who co-founded Marlin in 1997 and has served as CEO and director since, commented, "It's been the experience of a lifetime working alongside everyone helping build Marlin into the success it is today. Let me express my sincere appreciation and gratitude to all of my colleagues who I have met and worked with over the years. I'm proud to say that our efforts together have led to all of Marlin's accomplishments, from a startup in 1997 to a one of the leading financial services providers to small businesses. With my announced departure, I look forward with anticipation to pursuing new opportunities of a personal and career interest."

Lawrence J. DeAngelo, Chairman of Marlin's Board of Directors, thanked Dyer on behalf of the entire organization "for his 18 years of dedicated service."

"We wish Dan enduring success as he pursues other interests," said DeAngelo. "Looking ahead, Marlin has exceptionally strong management talent and we are well-positioned to take advantage of Marlin's attractive long-term growth opportunities and to deliver strong performance for Marlin's shareholders."

The Company also announced that executive search firm Korn Ferry has been engaged to lead a comprehensive search process to select Mr. Dyer's successor.

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

Lynne Wilson, 52, who joined Marlin Business Services in June, 2006, as Chief Financial Officer, on April 30, 2015 announced her resignation as Senior Vice President and Chief Financial Officer, terminating May 31, 2015. According to LinkedIn, she is available for employment:
https://www.linkedin.com/pub/lynne-wilson/4/562/478


November, 7, 2013, Marlin announced the retirement of George D. Pelose, Executive Vice President, General Counsel, and Secretary, who joined the firm in July, 1999. At the end of 2014, he was found on LinkedIn.com looking for "employment," which states he is still available.
https://www.linkedin.com/in/georgepelose

Note when he left Marlin his total compensation was $1,415,654.
http://leasingnews.org/archives/Jan2015/1_05.htm#peolose


The first story in the collection of Marlin Leasing was dated August 20, 2008 (c). It described what one employed called a "bloodbath."  It noted:
“Gone are:
“Gary Shivers, former president of Marlin.
Gary Kester, former VP of credit services.
Mike Bennie, former VP in charge of broker services.
Mike Witt, former director of legal.
Mark King, former director of credit.
Brian Cornell, former director of sales.
John Forsyth, former jack of all trades. (Sales, syndications, major accounts, etc.)
Marcel Gilbert, former VP of IT (considered one of the best in the business)
Dominic Janney, former VP in charge of retail sales.
Tom Mancini, former VP in charge of copier sales and residuals.”

At the time, it noted:

"Today only two are left from the original group that he helped form while at Advanta. Dan Dyer, CEO, and Bill Waddell, National Sales Manager, Broker Services Division.


Bill Waddell is long gone,

October 20, 2015 Dyer will be gone.      
https://www.linkedin.com/pub/daniel-dyer/51/262/573

Earlier Marlin filed its Annual Report of Holding Companies: Bank, Leasing, Finance, Insurance, Receivables Companies. It showed Dyer held 2.98% of the voting shares of the Bank Holding Company
http://www.snl.com/Cache/31499788.PDF?
Y=&o=PDF&D=&fid=31499788&T=&osid=9&iid=4089372

(a) SNL Financial Dyer Compensation
http://leasingnews.org/archives/Jul2015/7_20.htm#ceo

(b) SEC Notification of resignation
http://www.snl.com/Cache/31516472.pdf
?IID=4089372&FID=31516472&O=3&OSID=9

(c) First Story “Bloodbath”
http://www.leasingnews.org/archives/August%202007/08-20-07.htm#marlin

Marlin Business Services Stories Collection
http://www.leasingnews.org/Conscious-Top%20Stories/Marlin_Leasing_2008.htm

 


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


Federal Bureau of Prisons
Barry Drayer Released after Serving 13 Years

Barry Drayer, former head of RW Professional Leasing Corporation, is out after serving 13 years.  At age 75, he was released from Devens Prison, Massachusetts, on October 16, 2015, by the Federal Bureau of Prisons. He was 62 when arrested June 21, 2002 and time served while on trial where he bound to his house was included in the time (114 months with three years of supervised probation and restitution of $4,338,940.08. (a). He never testified at the trial where he was convicted of a $6.5 million fraud (the government agreed to a loss in the trial).

June 21, 2002, the New York Times reported, “Forty FBI agents raided the offices of RW Professional Leasing in Island Park, NY, on Long Island. Those arrested were RW's president and co-owner, Rochelle Drayer Besser, also known as Rochelle Drayer, 66, of Long Beach, California; her brother, RW's senior vice president, Barry Drayer, 62, who operated a branch in Wellesley, Mass.(reportedly the defacto CEO); another brother, Roger Drayer, 59, of Long Beach, who holds various titles, operating a small office in California; and Roger Drayer's daughter, Jennifer Tarantino, also known as Jennifer Drayer, 31, of Oceanside, California.

"Prosecutors said that the company, the RW Professional Leasing Corporation, concocted elaborate schemes using up to 100 rented mailboxes as far away as California to send phony checks, sham invoices, bogus leases and other false documents to banks in various states. Based on those documents, the banks lent RW millions of dollars to buy equipment and lease it out, prosecutors said

"The schemes included multiple loans from different banks for the same medical equipment and loans for equipment that was never bought or leased, prosecutors said."

The largest creditor at the time was American Express Business Finance. It was a big story at the time, but perhaps in light of recent events such as Allied Health Care Services, Brican America, and Equipment Acquisition Resources, small potatoes.

Drayer leaves jail a lonely man, broke, many relatives also punished.  In his parole hearing July 6, 2011 it was reported he "… was an inmate earning 12 cents an hour, having $100, and appears separated or divorce (no dependents), and is required current restitution estimated at $4,338,940.07 million (b) and motion was approved (c)."

(a) Summary Order
https://casetext.com/case/united-states-v-drayer

(b) Declaration
http://leasingnews.org/PDF/DrayerMotion.pdf

(c) Granted
http://leasingnews.org/PDF/BarryDrayer.pdf

Previous Stories:
http://www.leasingnews.org/Conscious-Top%20Stories/RW_stories.htm

 

(Please Click on Bulletin Board to learn more information)
(Leasing News provides this ad “gratis” as a means
to help support the growth of Lease Police)

[headlines]
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Small Business Alternative Lending Conference
Five Take Aways by Bob Coleman

That is takeaway number one from my experience at 600+ who attended LEND360 small business lending conference last week in Atlanta, Georgia. (1) The terminology isn’t quite set.

And the old school small business bank “brick and mortar” lender? Some now consider yourself “storefront” lenders.

2) Speed to market pays off -- funding a small business loan in one day is extremely lucrative. While some lenders tout offering single digit interest rates the norm average rate for Main Street appears to be “credit card interest rates” -- and higher.

3) Big Data is augmented with Big Brains. Lenders continue to tweak their credit underwriting algorithms. Only until the next economic downturn will we know who has it right.

4) Yes Virginia, I’m calling it an online small business lending bubble. Billions of investment dollars are flowing into online small business lender coffers with promises of double digit returns. With historical small business loan performance at minimum default and charge-off numbers, there is a high level of exuberance by everyone in the room. That will last until default numbers begin to turn.

5) The elephant in the room is the pending Dodd-Frank small business lending regulations to be issued from CFPB. Oh, and don’t smirk too much at the disruptors if you are a “storefront” lender. All small business lenders will be affected.

Next Lend360 October 4-6, 2016, Chicago Marriott
www.lend360.org

Bob Coleman
Author, "Money Money Everywhere and Not a Drop for Main Street," SBA and Small Business Lending National Expert
www.colemanreport.com

 



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


FinTech #102  by Charles Anderson

Instant Credit Decisions – Part I

Charles Anderson observes:
 “It’s fascinating to watch this evolution.”

“Let’s see where the music stops after the next recession.”

“Here is a three-part Series on Instant Credit Decisioning – What is it?  Who is doing it? – Or just claiming that they are, and, is it an impossible goal?”

Instant credit decisions and the “instant prescreen” have been around for over two decades in the consumer finance space. We see it integrated in several household products – credit cards, personal loan processing and mortgage lending, to name a few. But what comprises the modern-day instant credit decision?  In layman’s terms, instant credit decisions leverage math and technology to approve/decline a potential customer without the aid of human interaction. The math draws on data points – using anything from personal and business credit reports to bank account deposits – to effectively analyze information from the past and assess creditworthiness in the present and future. Meanwhile, technology drives instant algorithmic credit decisions in the background, calculating auto-decisions programmed to certain risk preferences and portfolio performance.

Providing instant, accurate credit decisions without the aid of a professional analyst is a task easier said than done. But current advertising would suggest otherwise. How many of us have heard our competitors, our partner lenders, even our own salesforce claim they have the secret to “instant approval – same day funding”? If you don’t believe me, do some investigating for yourself. Try an internet search with those same key words: instant approval, same-day funding, equipment leasing. Trust me – you’ll be drowning in results.

You’ll find a much shorter list of companies accomplishing instant credit decisions well. One industry that has seemingly mastered the art of the instant prescreen: consumer credit card providers. These analytics experts have trimmed and tailored the credit decision process to a matter of minutes – but how? To start, instant prescreens require a full, current credit report from a bureau, not just a FICO score or certain credit attributes.  Credit card providers then further refine their data points and expand their data sets to account for subtle differences in credit usage. For example, credit cards differentiate between revolving vs. transacting credit and late payments vs charge-offs to select the ideal paying customer and maximize profitability.  Finally, credit cards have leveraged alternative data sources to bridge gaps from credit-thin customers. Using only a name, birth date, social security number and income, certain providers can provide email addresses, social media profiles, and consumer histories that build a robust profile for each potential client. However, these practices developed with over 20 years of expensive research and study in consumer credit profiles – and equipment leasing is just beginning its trip down the rabbit hole.

Which brings us to our final question – is instant credit decisioning practical, and more than that is it even possible in equipment leasing? What works in consumer lending is unlikely to transfer effortlessly into commercial equipment leasing. Unlike credit card providers, our industry isn’t simply approving or declining customers for five-figure lines of credit.  In equipment leasing, we have the difficult balancing act between the customer’s willingness to pay, the financial health of the business, the strength of collateral and the loyalty of the vendor. These factors muddle the decision process, blurring the clarity of our data points and throwing wrenches into our algorithmic processes. Ultimately we can’t merely flaunt the benefits of instant approvals when we get them right; we also have to recall the severe consequences when we get them wrong. So although we look to the instant prescreen process as the future of equipment leasing, we look next week to the potential credit risks and pitfalls along the way.  


Charles Anderson
CEO – IMCA Capital, Enverto Investment Group, Express-Tech
http://www.imcacareers.com/ 

Previous Financial Technology Articles
http://www.leasingnews.org/Conscious-Top%20Stories/fintech.html


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

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

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.

 

Leasing News Reaches Your Audience!

My Answer to Why a “Help Wanted” Ad in 
Leasing News
 Attract Those with a Job

by Christopher Menkin

Our competitors still use a "classified ad" section, which basically is the company's full job description. It often is "hidden," meaning you have to search for the section.

This does not attract attention because you must go to the classified ad site to find the jobs listed. The advertiser is basically missing those who are employed, not actively looking for a job. This is the group the advertiser should be looking for as a primary target.

There are at least one hundred websites that offer the same approach, and work great for general jobs, but not the leasing and finance niche, especially for those already employed who may want to improve their position. http://www.leasingnews.org/Classified/Posting_sites.htm http://www.leasingnews.org/Classified/open_funder.html

Leasing News puts a "help wanted" on top of the "masthead" so it is the first thing that a reader sees when they open the news edition or go to the website. The ad is changed in each news edition. It is designed to be a "display ad," not a "classified ad."

In addition to the masthead position, the "help wanted" ad also appears in the "news briefs" section, the second most-read section, and it is rotated in each news edition. It is not hidden. It is clearly visible.

The full section of "help wanted ads” also appears in each news edition, in each edition, as well as appears on the web site. It also is not “hidden.”

The idea of the ad is to draw attention, and have the reader interested in what the company offers from the advertisement rather than a "job description."

Most ads then direct the reader to their website for a full job description, if interested, or to a separate flyer. The main idea is to get the reader to make an inquiry.

Oh, yes, Alexa states Leasing News is read eight times more than our competitors, and they stay on our website longer to read industry news stories. The “help wanted” ad does not hide.

kitmenkin@leasingnews.org

Cost

Logo on top is free, as well as the web address and information about the address at the bottom. Lines are $595 for the first four and $40 for each additional line or space. The ad will appear for 21 days. For returning advertisers during the year, Leasing News offers 30 days and a reduced rate.

Contact: kitmenkin@leasingnews.org

Leasing News reserve the right to refuse advertising,
particularly to a company that has appeared in the complaint bulletin board or evergreen abuse list.




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



Negotiating Employment Agreements or the Real Reason
Jennifer Lawrence Got Paid Less Than Bradley Cooper

by Elisaveta (Leiza) Dolghih, Esq.

Somebody recently went through Sony’s hacked e-mails and found some that show Jennifer Lawrence and Amy Adams were paid less than the male leads in American Hustle. This prompted Jennifer Lawrence to write an essay titled “Why Do I make Less Than My Male Co-Starts?”

She blamed her lower pay partially on Hollywood being sexist and partially on her not wanting to appear “difficult” and feeling silly about negotiating regarding millions she didn’t really need.  As you can imagine, the essay sparked a whole lot of indignation about the “wage gap” and the sexism in the workplace when it comes to salaries, not just in Hollywood, but everywhere.

However, many of these responses focused on gender issues and failed to address Jennifer’s glaring violation of the cardinal rule of employment negotiations – IF YOU DO NOT ASK FOR IT, YOU WILL NOT GET IT.  This is not a gender specific rule, by the way. Some believe that men are better at asking or demanding to be paid according to their worth than women, but I personally do not think that’s true. In my experience, it’s more of a personality or experience issue than a gender-related trait.  If your personality is like Jennifer Lawrence’s (by her own admission) and does not allow you to ask, find a person who will ask and negotiate for you, i.e. a lawyer or an agent.

I see too often executives (men and women) not asking for what they want in an employment agreement, not asking about what the terms in their employment agreements mean, assuming that their employment terms are not negotiable, or giving up on negotiations too early in the process.  As in any negotiation process, knowledge is power.  So, here is a list of terms that are often negotiable in the executive employment agreements and that you should at least discuss with your employer and your attorney before signing an employment agreement:

1. Severance – is the employer going to provide severance and, if so, how much? Is death or disability a severance trigger? What will happen to medical benefit continuation, prorated bonus, equity vesting acceleration, extension of the option exercise period, or other benefits if the employment is terminated?

2. Term of employment – most executive employment agreements will specify a term of employment, which is, of course, an exception to the at-will approach taken with respect to non-executive employees.  If it is an at-will contract, ask for a specific term. Often, an employer will specify that the company may terminate the executive “for cause.”  What constitutes “cause” is purely up to the parties.

3. Restrictive Covenants – what restrictions will be imposed on the executive after he leaves the company? For how long? The length, geographic scope, term of restrictions and other parameters can be negotiated to strike a balance between protecting the company and allowing the executive to earn a living after he moves on.

4. Cause – does the “termination for cause” clause define what the “cause” is? Does it allow for a cure period, i.e. a period during which the executive can address the company’s concerns before being terminated “for cause”? Is the company’s board involved in the termination process and what are the steps in that process that the company and the employee will have to follow?

5. Good Reason – a “good reason” separation provision allows an executive to resign for certain pre-approved reasons, such as demotion, relocation and other events that would materially change the terms of employment.  What constitutes a “good reason” is negotiable.

6. Equity – will the executive receive equity in the company as part of the compensation? How much? When does it vest? What happens with it if the employee is terminated for cause v. employee leaves for a “good reason.”  Are there additional restrictive covenants tied to the equity award?

7. Arbitration – if a dispute about the employment agreement arises, where will it be brought?  If in court, will an executive want to give up his/her rights to a jury trial? If in arbitration, what arbitration body will decide the dispute and what rules will govern it? Who will pay for costs?

8. Assignment – what happens to the executive’s rights and obligations under the employment agreement if the company is sold or bought? Can the company assign the employment agreement to the new entity? Will it need the executive’s permission to do so?

9. 409A – When possible, severance, other payments and the employment agreement generally should be structured so as not to trigger coverage under Section 409A of the Internal Revenue Code. If the agreement is subject to Section 409A, it should be written to comply with.  Failure to do so can expose the executive, among other things, to a 20 percent additional tax.

10. Other Provisions  –  there are many other employment provisions that an executive can negotiate.  A little bit of planning and persistence in the negotiations at the front end of employment will pay ten-fold at the end of that relationship.

Eliza Dolghih represents both companies and employees in litigation and arbitration proceedings in state and federal courts.  If you are facing an actual or a potential employment dispute, contact Ms. Dolghih for a confidential consultation at Leiza.Dolghih@GodwinLewis.com or (214) 939-4458.

 

Elisaveta (Leiza) Dolghih
Senior Attorney
Trade Secrets and Non-Compete
Godwin Lewis PC
1201 Elm Street
Suite 1700
Dallas, Texas 75270
214.939.4400
www.GodwinLewis.com
Toll Free:  800-662-8393

 



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


Sales Make it Happen by Scott Wheeler, CLFP

Expanding Niches

Originators in the commercial equipment leasing and finance industry are often tasked with opening new channels of business development. It requires selling skills, investigative talent, and industry expertise to choose the right new niche to enter. A highly effective and successful originator in one channel (ex. medical, technology) may not easily or immediately find success in a very different channel (ex.construction, transportation). Each niche, and subset of niches, requires different skills, knowledge, and temperament. It takes great effort and talent to be successful in multiple different niches. The 2015 market requires expertise and passion to successfully penetrate a niche and to become a "real" player in any given niche. Therefore, changing niches or entering new niches should be well thought out and pursued with determination and purpose.  The following should be considered:

  • Don't pursue a new niche, because it is perceived to be easy. It takes work and perseverance to succeed in every niche.
  • Do you have a passion for the new niche?
  • Is there long-term sustainability within the new niche for you,  your company, and your business partners?
  • Are your current skills transferable to the new niche?
  • Does the new niche overlap your current channels (i.e. your current vendors are also expanding into the new niche)?
  • Does the new niche and channel complement and align with your current marketing strategies?

I encourage strong originators to pursue new niches. I encourage strong originators to expand their markets, I encourage strong originators to leverage their knowledge and expertise. However, I also encourage originators to have a reason for seeking new niches and to ensure that they have 100% exploited their current markets before aimlessly entering uncharted water. It is not always necessary to expand into new niches or new territories when the current potential is not being fully realized.

Available Here:
https://www.createspace.com/5355516

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

Sales Makes it Happen articles:
http://www.leasingnews.org/Legacy/index.html

 


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


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

Robyn Barrett Elected to Executive Committee
of the Commercial Finance Association

The Commercial Finance Association (CFA) announced its new Executive and Management Committee for 2016. The Committee, comprised of key leaders in the commercial finance industry, will guide the Association, make policy decisions, confirm new members and provide advocacy, education and thought leadership for the industry.


Robyn Barrett, founder and managing member of FSW Funding, a leading asset-based lender headquartered in Phoenix, Ariz., will serve as a member of the 2016 Executive Committee. Ms. Barrett has been an active member of the CFA since 2007 and is active in the Women in Commercial Finance community as a member of the Social Media Sub-Committee and Young Professional Thought Leadership Award Selection Committee.
“I am honored to be invited to represent the industry professionals on the 2016 CFA Executive Committee,” states Ms. Barrett. “As a member of the Committee I will look at focusing on how we can best serve and grow the industry on a whole and what we can do to continue to support and mentor women.”

As the managing member of FSW Funding, Ms. Barrett leads her team and works with client to provide alternative lending and financial solutions for small and midsize companies located across the U.S. Under her direction, since opening its doors in 2001, FSW has helped more than 360 companies from start-ups through growth mode, increase their cash flow to survive and expand.

Before launching her own company, Ms. Barrett spent more than a decade working in the corporate world. She spent six years with The Dial Corporation, where she held an array of accounting and management positions; handling everything from preparing and analyzing budgets for the company’s two chief products – Dial Bar Soap and Liquid Dial Soap – to working with the organization’s marketing and advertising executives on increasing gross margin, identifying efficient allocation of marketing dollars and implementing new financial analysis software. She then moved into corporate finance at FINOVA Capital Corporation, a Phoenix-based publicly traded commercial lender.

Ms. Barrett earned her Bachelor of Science in accounting at Arizona State University’s W.P. Carey School of Business. She also holds a master’s in business from Grand Canyon University and maintains her CPA.

“The CFA wouldn’t be where it is today without all the hard work, dedication and insight of our Executive and Management Committees. Looking to the future, we are able to continually take CFA to the next level because of the commitment and engagement of our leaders and members,” stated Bob Trojan, CFA Chief Executive Officer.


About Commercial Finance Association 
Founded in 1944, the Commercial Finance Association is the international trade group of the asset-based lending, factoring and supply chain finance industries, with nearly 300 member organizations throughout the U.S., Canada and around the world. CFA provides education, networking opportunities and industry advocacy on a domestic and international basis to the commercial finance community.

 

[headlines]
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##### Press Release ############################

Bob Fisher, CLFB,  Amy Spragg, CLFP
Receive Cindy Spurdle Aware of Excellence


Brian Schonfeld, CLFP (previous winner), Amy Spragg, CLFP, Bob Fisher, CLFP, Reid Raykovich, CLFP Exec. Dir.

The Certified Lease & Finance Professional (CLFP) Foundation is proud to announce that Bob Fisher, CLFP Vice-President, Vice-President, Ascentium Capital, and Amy Spragg, CLFP Treasurer, Co-owner/Managing Director, Pacific Capital, were awarded the annual Cindy Spurdle Award of Excellence. They were presented a plaque at the National Equipment Finance Association (NEFA) Funding Symposium in Atlanta, GA by the previous year’s winner Reid Raykovich, CLFP as well as the CLFP Board President Brian Schonfeld,  Project & Information Manager, Pawnee Leasing.

Cindy Spurdle was the first and only Executive Director of the CLFP Foundation since its inception in May of 2000 until June 2012. The award was created to acknowledge the CLFP who has contributed the most to the industry and best represents the CLFP ideals for the year.

This was the first year that there were two recipients, and Reid Raykovich, CLFP, Executive Director for the CLFP Foundation stated, “These two individuals clearly deserve the award.  Amy has been our Treasurer for the past two years and Bob is currently our Vice President. They are very active at both the Board and Committee levels and continually promote the designation. The Foundation wouldn’t be where it’s at without their contributions and I am so grateful to have them as Board members and as friends.”

The CLFP designation identifies you as a knowledgeable professional to employers, clients, customer, and peers in the leasing industry. There are currently 277 Certified Lease & Finance Professionals throughout the world. For more information, call (206) 535-6281 or visit www.CLFPfoundation.org

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

[headlines]
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Labrador Retriever Mix
Willingboro, New Jersey  adopt-a-Dog


Gina
Female
Six Months Old
House Trained
Spayed
Current on Vaccinations

"Gina is a sweet, loving girl who was surrendered to the shelter with her housemate, Gino. Gina is only six months, *Easter day is her birthday* and she weighs just 23 lbs. She is wonderful with other dogs, and loves kids. She seems ok with cats but has not lived with them. She is housebroken, spayed, very well behaved and just adorable. fill out an application on our website bcaaofnj.org if you would like to meet her or email Sue at slc0606z@aol.com with any questions."

Burlington County Animal Alliance
Willingboro, New Jersey 08046

Contact Form:
https://www.petfinder.com/petdetail/33569922#

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

 

[headlines]
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Lease Portfolio: Stilwell, KS 
Looking to buy or sell lease portfolio? 20+ year lease consultant specializing in portfolio placement. Free initial consultation. References available on request.
Contact today
E-mail:MLOST@aol.com 
    
Legal: http://www.leaselawyer.com/ 
"I enjoy brainstorming about all aspects of leasing. I'll be back to you within 24 hours of your call or e-mail!" Barry S. Marks, Esq.
E-mail: poetbarry@aol.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---

LeasePlan next on Element Financial's agenda
---Australian and New Zealand arm of Dutch fleet company
http://www.afr.com/street-talk/leaseplan-next-on-element-financials-agenda-20151018-gkcbeh

Why Leasing Rules, Electric Car Drivers Love 'Em, But Don't Buy 'Em:
http://www.greencarreports.com/news/1100513_electric-car-drivers-love-em-but-dont-buy-em-why-leasing-rules

Credit Agricole to pay $787MM for banking violations on behalf of Iran, Sudan
http://www.cnbc.com/2015/10/20/credit-agricole-to-pay-787m-for-banking-violations-on-behalf-of-iran-sudan.html

Credit Agricole to pay $90.4MM penalty and consent to U.S. Federal Reserve
http://www.federalreserve.gov/newsevents/press/e
nforcement/20151020a.htm

Regions Bank Thomas A. Neely to Pay $100,000 fine
http://www.federalreserve.gov/newsevents/press/
enforcement/enf20151019a1.pdf

Marlin Files Annual Report of Holding Companies
http://www.snl.com/Cache/31499788.PDF?Y=
&o=PDF&D=&fid=31499788&T=&osid=9&iid=4089372


[headlines]

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--You May Have Missed It

Obama picks Wall Street bailout critic, corporate governance expert for SEC
http://www.washingtonpost.com/business/economy/obama-picks-wall-street-bailout-critic-corporate-governance-expert-for-sec/2015/10/20/d8cf21ee-7761-11e5-bc80-9091021aeb69_story.html


[headlines]
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SparkPeople--Live Healthier and Longer



6 Tips to Find the Perfect Shoe Fit
http://www.sparkpeople.com/blog/
blog.asp?post=6_tips_to_find_the_perfect_shoe_fit


[headlines]
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   whiskey moon

 frank says the full moon
 is for whiskey,
spits tobacco to punctuate
his short sentences,
hours sipping, replaying
his career in slow motion,
oiling the first baseman's mitt,
 then spreading it carefully
 to catch the milky light,
frank says it softens the leather,
I say it embalms the memory.

From a  soft cover 128 pages with index published by www.mcfarlandpub.com( they take two weeks to send, but you are helping  this company stay alive, or you can buy from Amazon, for the same price, but perhaps fasterdelivery.  While they are all mostly baseball,some are not.  He is a unique American poet. He lives in Hickory, North Carolina.

 


[headlines]

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Sports Briefs----

oyals Chase R. A. Dickey for a Commanding 3-1 Series Lead
http://www.nytimes.com/2015/10/21/sports/baseball/kansas-city-royals-beat-toronto-blue-jays-alcs.html?ref=sports&_r=0

Seahawks-49ers result might surprise you
http://www.pressdemocrat.com/sports/4641301-181/grant-cohn-seahawks-49ers-result-might

Chip Kelly says Eagles still have complete confidence in Bradford
http://www.theredzone.org/BlogDescription/tabid/61/EntryId/52507/Chip-Kelly-says-Eagles-still-have-complete-confidence-in-Bradford/Default.aspx



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

 

[headlines]
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California Nuts Briefs---

2016 Michelin Stars for San Francisco Bay Area Announced
Kinch Finally Gets his Third Star for Maneresa in Los Gatos
http://www.biteclubeats.com/2016-michelin-stars-san-francisco/

SF Bay Area September Home Sales Strongest since 2009
http://www.contracostatimes.com/breaking-news/ci_28996350/september-home-sales-brisk-9-county-bay-area

Apple expansion widens in north San Jose
http://www.contracostatimes.com/business/ci_28998348/apple-expansion-widens-north-san-jose

Meadowood wraps $60M renovation of St. Helena resort
http://www.northbaybusinessjournal.com/northbay/napacounty/4640273-181/meadowood-wraps-60m-renovation-of#A8d1qGoxk2xHr61e.97



[headlines]
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“Gimme that Wine”

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

Skalli Family Sells St. Supéry Estate
  Vineyards & Winery to Chanel, Inc.
http://www.winebusiness.com/content/file/
St_Supery_Estate_Press_Release_Final_%281%29.pdf

Fetzer Vineyards becomes largest winery in the world
  to achieve B Corp Certification
http://www.prnewswire.com/news-releases/fetzer-vineyards-becomes-largest-winery-in-the-world-to-achieve-b-corp-certification-300162572.html


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

    1520 - Magellan entered the strait which bears his name.
http://www.mariner.org/age/ma http://www.skittler.demon.co.uk/magellan.htm gellan.html
    1692 - William Penn was deposed as Governor of Pennsylvania. His overtures of gratitude to James II for permitting religious freedom for dissenters of the Church of England led William and Mary to charge Penn with being a papist: A Roman catholic; one who adheres to the Church of Rome and the authority of the Pope; an offensive designation applied to Roman Catholics by their opponents. He was not.
http://xroads.virginia.edu/~CAP/PENN/pnintro.html .
    1751 - The first Baptist association in the American South was organized at Charleston, SC. It was formed under the initiative of Oliver Hart, who had left the Philadelphia area to become pastor of the Charleston Baptist Church in 1749.
    1774 - First display of the word "Liberty" appeared on a flag, raised by colonials in Taunton, MA in defiance of British rule in colonial America.
    1797 – The 44-gun, 204-foot U.S. Navy frigate USS Constitution, also known as Old Ironsides, was launched in Boston Harbor. It was never defeated in 42 battles. Constitution was the third of six original frigates authorized for construction by the Naval Act of 1794.  Retired from active service in 1881, Constitution was designated a museum ship in 1907. In 1934, she completed a three-year, 90-port tour of the nation. Constitution sailed under her own power for her 200th birthday in 1997, and again in August, 2012, to commemorate the 200th anniversary of her victory over Guerriere.  Usually berthed at Pier 1 of the former Charlestown Navy Yard, at one end of Boston's Freedom Trail, on May 18, 2015, Constitution entered Dry Dock 1 in Charlestown Navy Yard to begin a three-year restoration program.
    1805 – Battle of Trafalgar, where Lord Nelson defeats Spain and France, establishes British naval supremacy for the next century, including trying to re-take its colonies now united in North America.
http://www.nelsonsnavy.co.uk/battle-of-trafalgar.html 
    1808 - Birth of American Baptist clergyman Samuel Francis Smith (d. 1895) in Boston. Credited with writing over 100 hymns, Smith is best remembered as the author of "America" ("My Country, 'Tis of Thee"), written at age 23, while a student at Andover Seminary.
    1824 – Joseph Aspdin patented Portland cement, in England.
    1837 - Under a flag of truce during peace talks, U.S. troops seized the Seminole Chief Osceola in Florida. Osceola, who was sick with malaria, knew the Indians could fight no more. He went to the General's fort at St. Augustine with a white flag. When Osceola went to General Jesup, the General had his men surround Osceola. They threw the white flag to the ground and put chains on his hands and feet. The Seminoles were so angry with Osceola's capture that they continued to fight for the next five years.
    1845 - Birthday of Will Carleton (d. 1912), American poet, Hudson, Michigan. Michigan schools will honor his anniversary (by 1919 statue) by reading his poems on this day. Best known of his poems: “Over the Hill to the Poorhouse.”
    1861 - Union troops, under Gen. McClelland, suffered a devastating defeat in the second major engagement of the war. The Battle of Ball's Bluff produced the war's first martyr and led to the creation of a Congressional committee to monitor the conduct of the war. Union General Charles Stone was on watch at Leesburg, Virginia, while Union Gen. McCall's men were moving. Stone sent a detachment across the river on the night of October 20, and the inexperienced soldiers reported seeing a Rebel camp that turned out to be shadows. Stone decided to move more men over until a force of 1,600, under the command of Colonel Edward Baker, a US Senator, was poised for an attack the next morning. Baker was a close friend of President Lincoln, and Lincoln had named his second son after him. Baker placed his men in a dangerous position. They were in a clearing with their backs to the edge of Ball's Bluff, a 100-foot high cliff above the Potomac. They faced a wooded ridge that was rapidly filling with Southerners. The Confederates launched an attack at 3 p.m., and Baker's command was in trouble. Baker was killed, and many of his men jumped from the bluff to their deaths or scrambled down a narrow trail only to find their boats swamped in the river. Less than half made it back to the other side of the Potomac. The Union suffered 49 killed, 158 wounded, and 714 missing and captured, while the Confederates suffered 33 killed, 115 wounded, and one missing. Lincoln was stunned by the loss of his friend Baker, who became a Northern martyr despite his ineptitude in conducting the battle. The political fallout was swift. Angry Republicans were highly suspicious of McClellan, a Democrat, and other generals. The Joint Committee on the Conduct of the War was formed in December. This group was stacked with Radical Republicans who favored tougher treatment of the South and slaveholders. The committee's first investigation was the disaster at Ball's Bluff, and General Stone became the scapegoat. He was arrested for treason soon after and was jailed for six months.
    1864 - Battle of Westport, MO (Kansas City) was a major Union victory as after the loss of this battle, the rebels were in retreat in this area until the end of the Civil War. It is called the “last great rebel raid” and a popular song to the tune of “The Yellow Rose of Texas” was often sung at Confederate camps.
http://www2.cr.nps.gov/abpp/battles/mo027.htm
http://bartonpara.com/civilwar/jw/rebraid.htm
    1867 – Manifest Destiny.  Near Medicine Lodge, KS, the Medicine Lodge Treaty was signed by southern Great Plains Indian leaders. The treaty requires Native American Plains tribes to relocate to a reservation in western Oklahoma.
    1868 - Severe earthquake at 7:53 AM, centered in Hayward, Calif. Magnitude was 7.
http://www.seismo.berkeley.edu/seismo/faq/1868_0.html
    1879 - Thomas A. Edison demonstrated the first incandescent lamp that could be used economically for domestic purposes.  The prototype, developed at his Menlo Park, NJ, laboratory, could burn for 13 ½ hours.
    1891 - Birthday of Ted Shawn (d.1972), Kansas City, MO.  Partially paralyzed by diphtheria, Shawn was introduced to ballet for the therapeutic purposes and became a professional dancer by the age of 21. The Denishawn School of Dancing was established with the help of his wife, Ruth St. Denis, and became the epicenter of much innovation in 20th century dance and choreography. Among his many achievements is Jacob's Pillow Dance Festival, which he inaugurated and directed for the remainder of his years, and such modern ballets as “Invocation to the Thunderbird,” “Osage-Pawnee,” “Labor Symphony” and “John Brown”.    
    1892 - Birthday of James L Kelso (d. 1978), Duluth, MN.  American Presbyterian archaeologist. He participated in digs at the biblical sites of Debir, Bethel and Jericho, and authored the text "Ceramic Vocabulary of the O.T.”. 
http://members.tripod.com/~hardbop/byas.html
    1902 – A five-month strike by the United Mine Workers ended.
    1908 - The first two-sided vinyl record (!) was offered for sale by the Columbia label in an ad running in this week's Saturday Evening Post.
    1912 - Tenor Saxophone player Don Byas (d. 1972) was born Muskogee, OK.
http://www.oklahomajazz.com/byas.htm
    1912 - Birthday of Comedian Minnie Pearl, born Sarah Ophelia Colley Cannon (d. 1996) in Centerville, TN.  Destined to become a longtime fixture of Nashville's Grand Ole Opry, Pearl was famous for her comic monologues about hillbilly life and was featured on the long-running syndicated show “Hee Haw” from 1970 to 1990.
http://www.cnn.com/SHOWBIZ/misc/9603/pearl_obit/index.html
http://www.150.si.edu/150trav/remember/r1117.htm
    1916 - Birthday of Floyd Clifford “Bill” Bevens (d. 1991) at Hubbard, OR. Bevens nearly pitched the first no-hitter in World Series history, pitching for the New York Yankees against the Brooklyn Dodgers. In Game 4 of the 1947 Series, in the bottom of the 9th with two out and two on, Cookie Lavagetto pinch-hit and doubled home both runners, spoiling the no-hitter and winning the game, 3-2.  Sportscaster Red Barber’s call:  “Wait a minute...Stanky is being called back from the plate and Lavagetto goes up to hit...Gionfriddo walks off second...Miksis off first...They're both ready to go on anything...Two men out, last of the ninth...the pitch...swung on, there's a drive hit out toward the right field corner. Henrich is going back. He can't get it! It's off the wall for a base hit! Here comes the tying run, and here comes the winning run!...Friends, they're killin' Lavagetto! His own teammates, they're beatin' him to pieces! And it's taking a police escort to get Lavagetto away from the Dodgers!...Well, I'll be a suck-egg mule!”  The hit was the last of Lavagetto's career as neither he nor Bevens nor Gionfriddo would play in the Majors again.
    1917 - Birthday of John Birks “Dizzy” Gillespie (d. 1993) at Cheraw, SC. Trumpet player, composer, bandleader, presidential candidate (I voted for him as “start of stage, screen, and outer space” Mad Magazine), and one of the founding fathers of modern jazz.  In the early 1940s, Gillespie and alto saxophonist Charlie (Yardbird) Parker created be-bop. In the late 40s, he created a second music revolution by incorporating Afro-Cuban music into jazz. In 1953, someone fell on Gillespie's trumpet and bent it. Finding he could hear the sound better, he kept it that way; his puffed cheeks and bent trumpet became his trademarks. He won a Grammy in 1975 for “Oscar Peterson and Dizzy Gillespie” and again in 1991 for “Live at the Royal Festival Hall”.    
http://www.duke.edu/~jrw5/
http://www.cosmopolis.ch/english/cosmo2/dizzy.htm
http://www.downbeat.com/artists/window.asp?aid=161&
aname=Dizzy+Gillespie

http://www.geocities.com/BourbonStreet/8446/
http://www.harlem.org/people/gillespie.html
    1921 - President Harding delivered the first speech by a sitting U.S. President against lynching in the deep South.
    1927 – Construction began on the George Washington Bridge connecting New Jersey and New York across the Hudson River.
    1928 - Birthday of Edward Charles “Whitey” Ford, Baseball Hall of Fame pitcher, New York, NY.  “The Chairman of the Board” spent his entire 16-year career with the New York Yankees and he was voted into the Hall of Fame in 1974 with his buddy, Mickey Mantle.  Ford is a ten-time All-Star and six-time World Series champion. Ford won both the Cy Young Award and World Series MVP Award in 1961 when he also established, and still holds, the World Series record for consecutive scoreless innings at 33 2/3, breaking Babe Ruth’s record of 29 2/3. He led the AL in wins three times and in ERA twice.  His career ERA of 2.75 is the second lowest in history.  He remains the Yankees career wins leader and the Major League leader in World Series games won with 10. 
    1934 – In what many regard as the impetus for baseball in Japan, a Major League All-Star team led by Babe Ruth and Connie Mack sailed on tour to Hawaii and Japan. Star players with wives included Lou Gehrig, Jimmie Foxx, Charlie Gehringer, Lefty Gomez, Earl Averill, and Lefty O’Doul.
    1937 – Birthday of Norman Wright (d. 2010), lead singer with the Del-Vikings, Philadelphia, PA
http://www.destinationdoowop.com/delvikings.htm
    1938 - Jan Savitt records “Quaker City Jazz”.
    1940 - Birthday of Jimmy Beaumont, lead singer with the Skyliners, born Pittsburgh, PA.  The Skyliners were best known for their 1959 hit “Since I Don’t Have You” which remains an oldies staple at revivals.
http://www.vocalhalloffame.com/skyliners.htm
http://www.theskyliners.com/
http://www.amazon.com/exec/obidos/ASIN/B00000EP1O/ref=ase_avsearch-musicasin-20/
103-0570268-6906239#product-details

    1940 – The first edition of Hemingway’s “For Whom the Bell Tolls” was published.
    1941 - Benny Goodman, the “King of Swing,” cuts “Clarinet Ala King.”
    1942 - Birthday of guitarist Elvin Bishop, Glendale, CA.
    1943 - Birthday of Brian Piccolo (d. 1970), Pittsfield, MA. He played running back at Wake Forest and with the Chicago Bears. His interracial friendship with Gale Sayers earned him certain fame, but at age 26, he was stricken with embryonal cell carcinoma, a virulent form of cancer that took his life seven months later.  His life became the subject of a book, “Brian Piccolo: A Short Season”, and a made-for television movie, “Brian's Song.”
    1944 - Organized Japanese resistance on Angaur, Palau Islands ends. A total of 1300 Japanese are killed and 45 are captured. American forces have suffered 265 dead and 1335 wounded. US heavy bombers are operating from the airfield. The Japanese garrisons on the remaining islands in the group are left isolated.  Also, the first kamikaze attacks occurred as a Japanese fighter plane carrying a 440 lb. bomb attacked an Australian ship off Leyte Island as the Battle of Leyte Gulf began in the Philippines.
    1944 – The first German city to fall to the Americans was Aachen after three weeks of battle.
    1944 - MOON, HAROLD H., JR., Medal of Honor.
Rank and organization: Private, U.S. Army, Company G, 34th Infantry, 24th Infantry Division. Place and date: Pawig, Leyte, Philippine Islands, 21 October 1944. Entered service at: Gardena, Calif. Birth: Albuquerque, N. Mex. G.O. No.: 104, 15 November 1945. Citation: He fought with conspicuous gallantry and intrepidity when powerful Japanese counterblows were being struck in a desperate effort to annihilate a newly won beachhead. In a forward position, armed with a submachinegun, he met the brunt of a strong, well-supported night attack which quickly enveloped his platoon's flanks. Many men in nearby positions were killed or injured, and Pvt. Moon was wounded as his foxhole became the immediate object of a concentration of mortar and machinegun fire. Nevertheless, he maintained his stand, poured deadly fire into the enemy, daringly exposed himself to hostile fire time after time to exhort and inspire what American troops were left in the immediate area. A Japanese officer, covered by machinegun fire and hidden by an embankment, attempted to knock out his position with grenades, but Pvt. Moon, after protracted and skillful maneuvering, killed him. When the enemy advanced a light machinegun to within 20 yards of the shattered perimeter and fired with telling effects on the remnants of the platoon, he stood up to locate the gun and remained exposed while calling back range corrections to friendly mortars which knocked out the weapon. A little later he killed 2 Japanese as they charged an aid man. By dawn his position, the focal point of the attack for more than 4 hours, was virtually surrounded. In a fanatical effort to reduce it and kill its defender, an entire platoon charged with fixed bayonets. Firing from a sitting position, Pvt. Moon calmly emptied his magazine into the advancing horde, killing 18 and repulsing the attack. In a final display of bravery, he stood up to throw a grenade at a machinegun which had opened fire on the right flank. He was hit and instantly killed, falling in the position from which he had not been driven by the fiercest enemy action. Nearly 200 dead Japanese were found within 100 yards of his foxhole. The continued tenacity, combat sagacity, and magnificent heroism with which Pvt. Moon fought on against overwhelming odds contributed in a large measure to breaking up a powerful enemy threat and did much to insure our initial successes during a most important operation. 
    1945 - Top Hits 
“I'll Buy That Dream” - The Pied Pipers 
“Till the End of Time” - Perry Como 
“On the Atchison, Topeka and Santa Fe” - Johnny Mercer 
“You Two Timed Me One Time Too Often” - Tex Ritter
    1948 - Birthday of William Ellis “Bill” Russell, former Dodgers manager and player, Pittsburgh, KS.  Russell played his entire 18-year, 2,181-game career with the LA Dodgers as the starting shortstop for four NL pennant winners and one World Series champion. Russell was the shortstop for eleven years, anchoring an infield that included 3B Ron Cey, 2B Davey Lopes and 1B Steve Garvey. This infield has the distinction of being the longest intact unit in baseball history with eight and a half seasons together. He also served as the team's manager from 1996 to 1998.
    1950 - WILSON, RICHARD G., Medal of Honor.
Rank and organization: Private First Class, U.S. Army, Co. 1, Medical Company, 187th Airborne Infantry Regiment. Place and date: Opari, Korea, 21 October 1950. Entered service at: Cape Girardeau Mo. Born: 19 August 1931, Marion, Ill. G.O. No.: 64, 2 August 1951. Citation: Pfc. Wilson distinguished himself by conspicuous gallantry and intrepidity above and beyond the call of duty in action. As medical aid man attached to Company I, he accompanied the unit during a reconnaissance in force through the hilly country near Opari. The main body of the company was passing through a narrow valley flanked on 3 sides by high hills when the enemy laid down a barrage of mortar, automatic-weapons and small-arms fire. The company suffered a large number of casualties from the intense hostile fire while fighting its way out of the ambush. Pfc. Wilson proceeded at once to move among the wounded and administered aid to them oblivious of the danger to himself, constantly exposing himself to hostile fire. The company commander ordered a withdrawal as the enemy threatened to encircle and isolate the company. As his unit withdrew Private Wilson assisted wounded men to safety and assured himself that none were left behind. After the company had pulled back he learned that a comrade previously thought dead had been seen to be moving and attempting to crawl to safety. Despite the protests of his comrades, unarmed and facing a merciless enemy, Pfc. Wilson returned to the dangerous position in search of his comrade. Two days later a patrol found him lying beside the man he returned to aid. He had been shot several times while trying to shield and administer aid to the wounded man. Pfc. Wilson's superb personal bravery, consummate courage and willing self-sacrifice for his comrades reflect untold glory upon himself and uphold the esteemed traditions of the military service. 
    1950 - Earl Lloyd, first NBA Black Assistant Coach and the first Black chief scout, becomes the first Black person to play in an NBA game, a day before Charles Cooper and Nat “Sweetwater” Clifton.
    1950 - “The Stu Erwin Show.” This often-imitated sitcom was one of the first of its kind and immensely popular. Stu Erwin starred as himself, a bumbling high school principal; June Collyer (his real-life wife) as his level-headed wife, June; Ann Todd and Merry Anders as their daughter, Joyce; Shelia James Kuehl as younger daughter, Jackie; Martin Milner as Joyce's boyfriend and alter husband, Jimmy Clark; and Willie Best as Willie, the handyman. The show was also called, “Life with the Erwins”, “The New Stu Erwin Show”, and “The Trouble with Father”.
    1953 - Top Hits 
“Vaya Con Dios” - Les Paul & Mary Ford 
“You, You, You” - The Ames Brothers 
“Crying in the Chapel” - June Valli 
“I Forgot More Than You'll Ever Know “- The Davis Sisters
    1954 - Ian Fleming's aristocratic spy, James Bond, made his film debut when first portrayed by actor Barry Nelson in an episode of the television series “Climax”, titled "Casino Royale" in 1954. Peter Sellers and David Niven played the role in the 1967 movie, and David Craig, the current Bond in the 2006 remake. 
http://www.all-reviews.com/videos-2/casino-royale.htm 
    1956 - Quarterback and place-kicker George Blanda of the Chicago Bears missed his first extra-point attempt after a record-setting 156 in a row. His kick sailed off to the left, but it hardly mattered as the Bears defeated the Baltimore Colts, 58-27.
    1956 - Elvis Presley visits his favorite local movie theater, the Memphian, and is beset by an adoring crowd who, in the ensuing melee, scratch his new Cadillac. Thus begins Elvis' new habit of renting the entire theater whenever he wants to watch a movie.
    1957 - "Jailhouse Rock" becomes Elvis Presley's ninth Billboard chart topper in the last year and a half.
    1957 - The Elvis Presley movie, "Jailhouse Rock", opened in U.S. theatres. The flick also starred Judy Tyler, Mickey Shaughnessy, Vaughn Taylor, Jennifer Holden, Dean Jones and Anne Neyland. Elvis Presley fans consider it to be his favorite. It was not Elvis's favorite, as he wanted to do “serious acting,” rather than just appear in “costumes and sing,” he said often.
    1957 – The first overture of the city of Minneapolis was rejected by Calvin Griffith, owner of the Washington Senators.  The team eventually moved there in 1960 and became the Minnesota Twins.
    1958 - Orchestral strings were used for the first time in a rock and roll tune. Buddy Holly recorded "It Doesn't Matter Anymore", written by Paul Anka. Sadly, it would be Holly's last studio session. The song wasn't released until after his death in February of 1959.
    1959 - President Eisenhower signed an executive order transferring Dr. Werner von Braun and other German scientists from the United States Army to NASA. By the late 1960s, his rockets were taking men to the moon. At age 25, he had masterminded the V-2 rocket for Nazi Germany.
    1959 - The Solomon R. Guggenheim Museum of modern and contemporary art, designed by Frank Lloyd Wright, opened in New York City.
(lower half of: ,http://memory.loc.gov/ammem/today/oct21.html )
    1959 – Branch Rickey, the man who signed Jackie Robinson to a Brooklyn Dodger contract, launched a third professional baseball league, the Continental League.  Rickey had resigned from the Pittsburgh Pirates to become league president. The five founding cities were New York, Houston, Minneapolis-St. Paul, Toronto, and Denver, then Atlanta, Buffalo, and Dallas.  When the National League expanded to include New York Metropolitans and Houston Colt 45s, and the Washington Senators agreed to move to Minneapolis, the Continental League folded.
    1960 - The fourth and last debate preceding the presidential election between Senator John F. Kennedy and Vice President Richard M. Nixon was televised from New York City. Kennedy would go on to win with an electoral vote of 303; Nixon 219, and Sen. Harry F. Byrd, 15. Kennedy won 49.7% and Nixon 49.6% of the popular vote, making the election one of the closest in U.S. history at the time. In congressional elections, the Democrats took a 65-35 majority in the Senate. In the House, they lost 20 seats but kept a majority of 263-174. 
http://memory.loc.gov/ammem/today/oct21.html 
    1960 - The Accutron, the world's first electronic watch, went on sale. The watch, produced by Bulova Watch Company in Jackson Heights, New York, used transistorized electronic circuits and a miniature power cell, instead of a spring and gears, to move the watch's hands.
    1961 - Top Hits 
“Hit the Road Jack” - Ray Charles 
“Runaround Sue” - Dion 
“Bristol Stomp” - The Dovells 
“Walk on By” - Leroy Van Dyke.
    1961 - Bob Dylan records his first album, "Bob Dylan," for Columbia Records. The album presents the 20-year old singer accompanied by his guitar and harmonica. The recording is done in a day and productions costs run $400. Filling out his income-tax form, Dylan gives his name as Blind Boy Grunt.
http://www.rockmine.music.co.uk/BobBooks.html
    1963 - Michigan Bell Telephone placed into service the first “trimline telephone”. The dial was mounted in the receiver midway between the mouth and the ear pierces, eliminating the need to reach for the base when dialing. It introduced the telephone to its entire territory on learning its popularly on August 2, 1965, at a monthly charge of $1.00.
    1964 - The Rolling Stones appear on Ed Sullivan's TV variety show. It was the first time American audiences had seen the Stones. Founding Stones Mick Jagger and Keith Richards met during grade school and ran into each other when Jagger was studying at the London School of Economics and Richards was at art school. They formed the Rolling Stones in 1962 and were soon playing a steady series of nightclubs and bars in London. They released their first single in Britain in 1963. Before long, the Stones became known as the anti-Beatles: They were long-haired, grungy, and wild, while the Beatles seemed wholesome and safe. A string of drug-related arrests plagued various band members--Brian Jones' drug problems probably led to his death in 1969, and Keith Richards struggled with heroin addiction before getting clean in 1977. They are on another tour. I can personally testify they are still quite the performers. “I Can't Get No Satisfaction” has been voted by Billboard magazine as still the most popular rock and roll song.
    1966 - Grateful Dead, Lightnin' Hopkins & Loading Zone at the Fillmore, with dancing & strobe light show, San Francisco
    1967 - Over 250 protestors were arrested when thousands of the 50,000 participants in a rally against the Vietnam War at Washington, DC crossed the Potomac River and stormed the Pentagon. No shots were fired, but many demonstrators were struck with nightsticks and rifle butts.  Similar demonstrations occurred simultaneously in Japan and Western Europe.
    1969 - Top Hits 
I Can't Get Next to You - The Temptations 
Hot Fun in the Summertime - Sly & The Family Stone 
Suspicious Minds - Elvis Presley 
Since I Met You, Baby - Sonny James
    1972 - John H. Conyers becomes the first African-American to enter the US Naval Academy.
    1972 - Chuck Berry's "My Ding-a-Ling" hit #1 in the U.S. It was number one for two weeks.
    1973 – The Oakland A’s clinched their second consecutive World Series with a 5-2 win over the New York Mets.
    1973 - Fred Dryer, defensive end for the Los Angeles Rams, and later, TV’s “Hunter”, became the first player in NFL history to score two safeties in the same game in the Rams' 24-7 victory over the Green Bay Packers.
    1975 - Catcher Carlton Fisk of the Boston Red Sox hit a home run in the 12th inning to defeat the Cincinnati Reds, 7-6, in the sixth game of the World Series. Fisk's dramatic homer forced a seventh game in what is generally considered one of the best World Series ever and Fisk’s HR is among the greatest World Series moments.
    1975 - The city of Los Angeles declares this "Elton John Week" and awards the musician his own star on the Hollywood Walk of Fame at 6915 Hollywood Blvd.
    1976 - The Cincinnati Reds sweep the New York Yankees in the World Series. In game four, played this day, with Johnny Bench slugging two home runs for five RBIs, the Reds rang up a 7-2 victory. It was the Red's second straight World Series championship.
    1977 - Top Hits 
“You Light Up My Life” - Debby Boone 
“Nobody Does It Better” - Carly Simon 
“That's Rock 'n' Roll” - Shaun Cassidy 
“Heaven's Just a Sin Away” - The Kendalls
    1980 - After failing short in 1915 and 1950, the Phillies won their first World Series title. Mike Schmidt knocked in two runs and Tug McGraw stopped Kansas City's hitters, 4-1, in Philadelphia. The Phils won the Series, 4 games to 2.
    1983 - The United States sent a ten-ship task force to Grenada, one of the smallest independent nations in the Western Hemisphere and one of the southernmost Caribbean islands in the Windward chain. The Cuban government had decided to utilize the former British colony as a holding place for arms and military equipment, complete with a major airport. Eastern Caribbean nations fully understood the implication of the communist threat and called upon the United States for help. The response was Operation Urgent Fury, a multinational, multiservice effort. Commanding officers of the US Navy ships have not yet been told what the mission in Grenada--to evacuate U.S. citizens, neutralize any resistance, stabilize the situation and maintain the peace.
    1985 - William ‘The Refrigerator' Perry of the Chicago Bears led his team to a 23-7 win over the Green Bay Packers. Perry, weighing in at 325 pounds (more than some Frigidaires), became a folk hero as he cut a path for Walter Payton's two TDs. He then plodded over the goal line himself for another score.
    1985 - A television special called “The Carl Perkins and Friends Show”, marked the 30th anniversary of the song "Blue Suede Shoes". The event featured Carl Perkins, the song's writer, along with Dave Edmunds, Eric Clapton, George Harrison and Ringo Starr.
    1985 - Top Hits 
“Take on Me” - a-ha 
“Saving All My Love for You” - Whitney Houston 
“Part-Time Lover” - Stevie Wonder 
“You Make Me Want to Make You Mine” - Juice Newton
    1988 - Joan, the last hurricane of the season, neared the coast of Nicaragua packing 125 mph winds. Joan claimed more than 200 lives as she moved over Central America, and total damage approached 1.5 billion dollars. Crossing more than 40 degrees of longitude, Hurricane Joan never strayed even one degree from the 12 degree north parallel. 
    1989 - First black owners (Bertram Lee and Peter Bynoe) to own a major sports team, purchased the Denver Nuggets for $65 million.
http://www.piperrudnick.com/lawyers/AttorneyBio.asp?id=20881
http://www.geocities.com/~arthurh/Denver-Nuggets.html
http://www.nba.com/nuggets/
    1989 - Unseasonably cold weather continued to grip the south central and southeastern U.S. Twenty cities reported record low temperatures for the date, including Calico, AR with a reading of 26 degrees, and Daytona Beach, FL with a low of 41 degrees. Squalls in the Great Lakes Region finally came to an end, but not before leaving Marquette, MI buried under 12.7 inches of snow, a record 24 hour total for October. 
    1994 – Déjà vu all over again?  North Korea and the Clinton administration signed an agreement that required North Korea to stop its nuclear weapons program and agree to inspections.
    1995 - Mariah Carey's "Daydream" was the number one album in the U.S. The album featured the smash hits "Fantasy" and "One Sweet Day" (both debuted on the singles chart at #1).
    1997 - The Guinness Book of Records announced that Elton John's "Candle in the Wind" (Princess Diana version) was now the biggest selling single record of all time, with 31.8 million sales in the first 40 days after its release, eclipsing the previous record held by Bing Crosby's "White Christmas". The Crosby song sold an estimated 30 million copies worldwide -- in 55 years.
    1998 – “Patch Adams”, starring Robin Williams, opened in the United States. The film was based on the '70s true story of a man who wanted desperately to be a doctor and help people, but spurned the melancholy protocol of medical school in favor of clowning and making a personal connection with patients. Williams and the film were both nominated for Golden Globes.
    1998 - The invincible New York Yankees won their 24th World Series. They beat the San Diego Padres, 3-0, to sweep the Series. It was New York's second title in three years and its first sweep since 1950. Scott Brosius was MVP after finishing with a .471 batting average, eight hits, two home runs and six runs batted in. Mariano Rivera and Jeff Nelson both pitched in three Yankee games and both finished with a 0.00 ERA.  The Game 4 victory gives the Yankees 125 wins against 50 losses for a .714 winning percentage, the best in the Majors since their Murderers’ Row champions of 1927, as their AL record of 114 regular-season victories were the most ever.
    2000 - In the longest World Series game ever played, the Yankees take Game 1 of the Subway Series, thanks to Jose Vizcaino's 12th inning two-out single, defeating the Mets, 4-3 in four hours and fifty-one minutes. The victory surpasses the streak established by the Murderers' Row clubs as the present Bronx Bombers win their 13th consecutive World Series game.
    2002 - Florida team president David Samson, in an effort to get fans "falling back in love with the Marlins,'' announces plans which includes free hot dogs and a cozier atmosphere at Pro Player Stadium. The average crowd of 10,038 per home game, more than a third less than the previous season, was next-to-last in the Majors in attendance this year.
    2003 - Elton John signs the deal for the first of his famous "Red Piano" concerts at Las Vegas' Caesar’s Palace.
    2005 - Bob Seger sings the US national anthem before today's World Series game between the Detroit Tigers and the visiting St. Louis Cardinals.
    2006 - After hosting Super Bowl XL at Ford Field in February, Detroit becomes just the second city to host both a Super Bowl and a World Series in the same calendar year. San Diego was the site of the NFL Championship game and Fall Classic in 1998.
    2013 – New Jersey became the 14th state to recognize same-sex marriages.
    2014 - Jeffrey Fowle, one of three Americans held in North Korea for crimes against the state, has been released.  Fowle was accused of leaving a Bible in a club for mariners.

World Series Champions
    1973 - Oakland Athletics
    1976 - Cincinnati Reds
    1980 - Philadelphia Phillies
    1998 – New York Yankees

 

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- Canadian Finance and Leasing Association
   Annual Conference Report by Hugh Swandel
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- My Opinions on Major License Changes
  for Lease Financing in the State of California
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  All Generated from UCC Filings
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   on Two Proposed Lease Accounting Changes
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  in North America
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Fed Chair Asks Cobra Capital for a Survey
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     Leasing News Exclusive
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  New Exercise for Individuals or Groups
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    Balboa Capital Receives High Marks in Customer Service
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   Concerned History is Repeating Itself
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  "Call to Action"
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    Loss to Bank was $991,680
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   Vendor & Small Biz
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    Third Party Originators: No License Needed
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     by Tom McCurnin, Leasing News Legal Editor
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    US Business Funding, Newport Beach, California
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   Balboa Capital, Irvine, California
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    Get Repeat Customer/Vendor Business with These Tips
      By Christopher Menkin
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     by comScore
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    Equipment Leasing and Finance Industry"
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 study "Digital Documents in the Equipment Finance Industry”
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    First Response to Cease & Desist
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   By Tom McCurnin and Frank Peretore 
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- Bulletin Board Complaint
    Integrity Financial Groups, Alpine, Utah
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  Brian Acosta/Matrix Business Capital
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        Bait and Switch Sales Tactics
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    Legal Definitions by Leasing News Legal Editor Tom McCurnin
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  U.S. Savings Bonds
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    and Make Extra Income
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    Record All-Time Highs
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Use a Password Generator
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   Onset Financial/Mazuma Capital
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   Re: Evergreen Clause Abuses
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   $20,543.22 Bulletin Board Complaint
   Alleged “Bait and Switch”
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   by Tom McCurnin, Esq.
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   Bulletin Board Complaint 
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   Could Church Kiosks, Royal Link Carts, NorVergence results been avoided?

   The use of “Equipment Finance Agreements”
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    Bank of the West

   Equipment Lease Agreement (EFA)
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