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Leasing News is a website that posts information, news, and
entertainment for the commercial alternate financing,
bank, finance and leasing industries

kitmenkin@leasingnews.org
   



Monday, October 7, 2019



Today's Leasing News Headlines

Credit-Risk Management
    Seeks Position
Leasing News Top Stories
   October 2 - October 4
Leasing News Complaints Bulletin Board
    BBB Ratings Updated
Leasing Industry Ads---Help Wanted
  Senior Sales Originator - $10,000 Signing Bonus
How to Prepare for an Employment Test
   Career Crossroad---By Emily Fitzpatrick/RII
California Financing Law
   New Rules Not Expect to Start End of Year
Under Current California Financing Law Today
   Who is Required to Obtain a Finance Lenders License?
Expect to See More AP-Initiated B2B Payment Solutions
    By David Schmidt, Credit Today
Which Country Imports the Most Wine?
  US Largest Importer in dollar terms: $5.7 billion
Key Details of the Massachusetts Marijuana
   Home Delivery System
Border Collie/Mix
   Littleton, Colorado  Adopt a Dog
SFNet's Annual Convention
    November 13-15, 2019 | NYC
News Briefs---
Fry’s Electronics still hanging on, but for how long?
  33 stores in nine states
Macy's hiring 80,000 employees for holiday season
  “stores, call centers and distribution or fulfillment centers”
Eyeing a possible recession, California wineries cut back
    on production — and farmers suffer
Stakes couldn’t be higher for consumers and businesses
  seeking to preserve equal access to web sites
How America’s Rich Get So Rich
  The Forbes 400 list -collective net worth of $2.96 trillion

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

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


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

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



Please send a colleague and ask them to subscribe. We are free
Email kitmenkin@leasingnews.org and in subject line: subscribe


[headlines]

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

Credit-Risk Management
Seeks Position

Each Week Leasing News is pleased, as a service to its readership, to offer completely free ads placed by candidates for jobs in the industry.  Each ad is limited to (100) words and ads repeat for up to 6 months unless the candidate tells us to stop. Your submissions should be received here by the end of each week.

Credit/Risk Management


Greater New York Area based Credit, Collections and Portfolio Risk Manager with expertise in equipment and vehicle leasing and finance seeks position in underwriting/ portfolio management. Remote is ok, compensation is negotiable. email: jbsullivan46@gmail.com      Resume


 

[headlines]
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Leasing News Top Stories
October 2 - October 4

(Stories most opened by readers)

(1) Lease Police Tips on Judging Vendors
       By Bernie Boettigheimer, CLFP
http://leasingnews.org/archives/Oct2019/10_04.htm#lp

(2) New Hires/Promotions in the Leasing Business
    and Related Industries
http://leasingnews.org/archives/Oct2019/10_04.htm#hires

(3) Medical Practice Closing Doors Permanently After Ransomware
    Destroys Patient Records and Backups
http://leasingnews.org/archives/Oct2019/10_02.htm#medical

(4) Fifth Third bankers' exodus to rivals picks up speed
  more than 30 bankers formerly with acquired MB Financial
https://www.chicagobusiness.com/finance-banking/fifth-third-bankers-exodus-rivals-picks-speed

(5) Financing Cannabis Funding Sources
  Many Work with Third Party Originators
http://leasingnews.org/archives/Oct2019/10_04.htm#cannibas

(6) August, 2019, The List
       The Good, the Bad and the Ugly
http://leasingnews.org/archives/Oct2019/10_02.htm#list_aug

(7) North Mill Posts Record Originations for
            the 3rd Quarter, 2019
http://leasingnews.org/archives/Oct2019/10_02.htm#north

(8) Forever 21 just filed for bankruptcy — the husband and wife
 duo have lost nearly $4 B from their personal net worth since 2015
https://www.businessinsider.my/forever-21-jin-sook-do-won-chang-lost-billionaire-status-2019-7/

(9) California boom is ending, Gavin Newsom warns
   as 2020 budget writing begins
https://www.sacbee.com/news/politics-government/capitol-alert/article235759857.html?

(10) Chesswood Announces Renewal of Two Funding
          Facilities for total of $550 Million
http://leasingnews.org/archives/Oct2019/10_04.htm#chesswood

 

 

[headlines]
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Leasing News Complaints Bulletin Board
BBB Ratings

The following companies appear on the Leasing News “Complaints” Bulletin Board:
http://www.leasingnews.org/bulletin_board.htm

Also may appear on Evergreen Abuse List

Ability Capital Solutions, Long Beach, California: C
  Principal noted: Brian Acosta, also principal of Matrix Business Capital
Anuva Capital, Buena Park, Ca.: A-
Assurance Partners LLC, aka Trust Capital, San Diego, Ca.:  A+
Balboa Capital, Costa Mesa, California: A
  Balboa 50 Customer Complaints, 1 neutral review
  “Our commitment to fast, dependable funding and great service has helped us achieve full    accreditation with the Better Business Bureau.” But they don’t mention the A on    https://www.balboacapital.com/
Blue Bridge Financial, LLC, Buffalo, New York: A+
De Lage Landen, Wayne, Pennsylvania: A+
Integrity Financial Groups, Midvale, Utah: C
Jules and Associates, Los Angeles, California:  A+
Leasing Innovations, Inc., Solano Beach, CA:  A+
Liberty Capital, Aliso Viejo, California:  N/R
MAC Financial Services, Scottsdale, Arizona: A+
Marlin Leasing, Mount Laurel, New Jersey: A+
Jules and Associates, Los Angeles, California:  A+
Matrix Business Capital, Long Beach, California: A
  Principal noted: Brian Acosta, also principal of Ability Capital Solutions
Mazuma Capital Corporation, Draper, Utah A+
Newport Financial Partners, Newport Beach, California: N/R
Onset Financial, South Jordan, Utah: A+
Platinum Financial, Orange, California  NR
Proviso Financial Services, Coquitlam, British Columbia: N/R
Radiance Capital, Tacoma, Washington:  A+
Tetra Financial Group, Salt Lake City, Utah: N/R
US Business Funding, Santa Ana, California: A+



Ralph Mango

Editor/writer of diverse business content: business plans, policy/process, and training. GM delivers results above plan.

Associate Editor Leasing News, responsible for proofreading and editing each news edition, as well as contributing content.

Available for Projects
ralphmango@hotmail.com


 

[headlines]
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Help Wanted


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

How to Prepare for an Employment Test

Career Crossroad---By Emily Fitzpatrick/RII

There are five different types of tests that you may encounter in the hiring process:

      • Aptitude
      • Integrity
      • Personality
      • Personnel Selection
      • Skills

Aptitude can be a general education test, usually multiple choice, while integrity can be this type or a choice of right or wrong answers

Personality Testing
Employers use these tests frequently to screen candidates because they believe that certain personality traits are required for success in a particular position. There are two basic types:
Projective

  • Geared to understand how you deal with tough issues and usually ask you to tell a story, finish a sentence, etc.
  • S search for analytical and system thinking skills, and look at decision-making and consensus-building styles

Objective

  • Series of questions using some sort of rating scale

Skills Testing
There are tests to measure every possible skill (e.g. computer programs, math, credit, comprehension, etc.). For example, a credit analyst might have to review a sample lease transaction, conduct spreadsheet analysis, prepare a mock credit write-up, and make a presentation. It is hard to argue against some of these tests; as long as the employer is measuring an important skill, testing skills makes sense.

Remember

  • Never consider answering a test from the viewpoint of your innermost beliefs
  • Look at yourself from the employer’s point of view
  • Think of people you’ve known who have failed on the job
  • Think of people you’ve known who have succeeded on the job

Tips

  • If in doubt, guess
    If given a skills test, ask for a practice section (brush up on your skills even before you begin any interview
  • Check your answers and make sure they are written in the right place
  • Be honest – if you do not admit to any negative behaviors, you could be pegged as a “faker” (who are sometimes viewed as being eager to please)

Emily Fitzpatrick
Sr. Recruiter
Recruiters International, Inc.
Phone:  954-885-9241
Cell:  954-612-0567
emily@riirecruit.com


Invite me to connect on LinkedIn
www.linkedin.com/pub/emily-fitzpatrick/4/671/76
Also follow us on Twitter #RIIINFO

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

 

[headlines]
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California Financing Law
New Rules Not Expect to Start End of Year

It is not expected that the law enacted in California form SB 1235 by Senator Steven Glazer will take place by the end of this year.  At this time, how the new requirements documents will contain interest rates
and other charges have been completed. The change will cover traditional term loans, lines of credit, merchant cash advances, lease financing, factoring, and asset-based financing. While federally chartered banks are exempt due to federal pre-emption issues, the bill does cover online platforms that partner with banks and do the marketing and underwriting that lead to financing that is ultimately provided by a bank.

Commenting on the change, Senator Glazer explained: “The requirement that lenders disclose an annualized rate was a crucial component of SB 1235 because without it, borrowers would find it almost impossible to compare different types of financing that have different amounts financed, term lengths and charges. The annualized rate is the "common denominator" that allows each of these products to be measured against one another.

“As introduced, SB 1235 required that lenders disclose an Annual Percentage Rate as calculated using the Federal Truth in Lending Act and Regulation Z. The bill was later amended to require disclosure of a rate (Annualized Cost of Capital) that represented all of the costs of the financing as a percentage of the amount financed, expressed as an annual rate. The final version of the bill maintained the requirement that all financing covered by the bill disclose an annualized rate but delegated to the department the choice of which annualized rate to require.

“The main difference between APR and ACC is that APR recognizes the time-value of money. ACC is simpler, but provides less information that would help the borrower make an informed decision.

“I continue to believe, as I did when I introduced SB 1235 that the Annual Percentage Rate is the best option -- as long as the department can provide sufficient guidance for lenders who use an estimated term to calculate the APR. An APR or estimated APR is already familiar to borrowers and is used by lenders not subject to SB 1235, including federally and state chartered banks and personal credit card providers. Requiring APR would therefore make it easy for small business borrowers to compare the options available to them.” (1)

(1) Senator Glazer Five Page Letter:
https://dbo.ca.gov/wp-content/uploads/sites/296/2019/04/PRO-01-18-CA-State-Senate.pdf


[headlines]
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Under Current California Financing Law Today
Who is Required to Obtain a Finance Lenders License?

California Financing Law (contained in Division 9 of the California Financial Code, commencing with Section 22000.(Financial Code § 22000 et seq.)) requires licensing and regulation of finance lenders and brokers making and brokering consumer and commercial loans, except as specified; prohibits misrepresentations, fraudulent and deceptive acts in connection with making and brokering of loans; and provides administrative, civil (injunction and ancillary relief) and criminal remedies for violations of the law. Effective October 4, 2017, the name of the “California Finance Lenders Law” changed to the “California Financing Law.” (Assem. Bill No. 1284 (2017-2018 Reg. Sess.) § 4.) The regulations under the California Financing Law are contained in Chapter 3, Title 10 of the California Code of Regulations, commencing with Section 1404 (10 C.C.R. §1404, et seq.). A finance lender is defined in the law as “any person who is engaged in the business of making consumer loans or making commercial loans.” A finance lenders license provides the licensee with an exemption from the usury provision of the California Constitution. There are a number of “non-loan” transactions, such as bona fide leases, automobile sales finance contracts (Rees-Levering Motor Vehicle Sales and Finance Act) and retail installment sales (Unruh Act), that are not subject to the provisions of the California Financing Law. In addition to requiring a license for certain lending activity, the California Financing Law requires a license for certain brokering activity. A “broker” is defined in the law as “any person engaged in the business of negotiating or performing any act as broker in connection with loans made by a finance lender.” A broker license authorizes brokering of loans to licensed finance lenders; it does not authorize brokering of loans to those who are not licensed finance lenders. The requirements for a license are set forth in California Financial Code section 22100, et seq. The law requires applicants to have and maintain a minimum net worth of at least $25,000 and to obtain and maintain a $25,000 surety bond. In general, principals of the company may not have a criminal history or a history of non-compliance with regulatory requirements.  

Who is Required to Obtain a Finance Lenders License?
In general, any person engaging in the business of a finance lender or finance broker is required to obtain a California Finance Lenders license. It should be noted that the California Financing Law contains a number of exemptions for persons licensed by other regulatory agencies. Definitions:

  • “Finance lender” includes any person engaged in the business of making consumer loans or making commercial loans.“Finance broker” includes any person engaged in the business of negotiating or performing any act as broker in connection with loans made by a finance lender. A broker license authorizes brokering of loans to licensed finance lenders; it does not authorize brokering of loans to those who are not licensed finance lenders. 

Do I need to Authorize my Branch Office(s) through NMLS?
This license is required for all locations, other than the main office identified on the California Financing Law license that conducts business with California consumers.

  • All branches of companies engaged in making or brokering loans secured by residential real property will be required to obtain a license through NMLS.
  • Non-residential and commercial lenders and brokers will be required to be licensed under the California Financing Law, but will continue to apply directly to the Department of Business Oversight.
  •  

Who does not need this license? Any physical locations of the entity not engaged in lending or brokering activities for California residents.

Source:
Who is Required to Obtain a Finance Lenders License?
https://dbo.ca.gov/california-financing-law-about/#Who

 
 
[headlines]
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Expect to See More AP-Initiated B2B Payment Solutions
By David Schmidt, Credit Today

According to Deloitte, the use of electronic funds transfer (EFT) for settling B2B transactions is expected to reach $1.8 trillion in 2020. Even so, checks are still used in 80 percent of B2B transactions, indicating a huge opportunity for the continued growth of EFT at the expense of paper checks.

The problem from a cash application standpoint is that the payment advice comes in separately from the actual payment. For example, an ACH payment will arrive as promised at your bank, but the remittance details are typically sent via a separate email.

Besides the workflow being fragmentation, the recipient lacks any control over the situation. Because there is no standardization between the multiple payment sources and channels with which a receivables organization must interact, you can't easily build effective solutions that capture both the payment and remittance advice in ways that are highly compatible with your internal systems and processes.

The payment world has become increasingly complex as the number of distinct payment channels and settlement options has grown. For example, checks can be processed in house for physical deposit, at a bank lockbox, or, thanks to Check 21, from any location (at a corporate branch or a vendors operations center) using RDC (remote deposit capture). EFT also now comes in a number of flavors including SWIFT, FedWire, EDI, Credit Cards, ACH, and RTP (real-time payments) to name a few.

"Businesses want to move away from complex, high-cost workflows towards a solution that is flexible and secure," suggests Bento for Business co-founder and CEO Farhan Ahmad. He goes on to explain that small businesses need to be able to securely send payments to their suppliers while maintaining control of their cash from a central location.

To address these issues, Bento, which until now focused on spending and expense management tools for the accounts payable (AP) side of the working cash equation, in July introduced Bento Pay, a B2B payments solution. All it takes for a Bento Pay user to send a payment is the payee's email address, which protects the privacy and security of the supplier. Suppliers can then elect to receive funds via a single use virtual card or ACH transfer. Bento's comprehensive payment tools also include debit cards and real-time payments (Click here to read the Bento press release).

So you can expect to see more of these types of payment platforms being used by your customers. The key from a credit department perspective is getting the email sent by the customer to your company routed to the staff member responsible for setting up the payment protocol. The good news is this only has to be done with the first payment. The bad news is you need to capture the payment data and remittance advice in such a way as it can be readily used within your remittance processing system.

In the future, we expect banks will set up payment hubs that will capture all the payments from all the different payment platforms that your customers utilize. These hubs will provide a centralized platform that provides greater transparency for identifying and managing remittance processing.

Printed with permission
Copyright 2019, Credit Today LLC
http://www.credittoday.net/

www.CreditJobsToday.com - to find the very best candidates in the profession! 

 

 

[headlines]
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The U.S. was the largest importer of wine in dollar terms last year, shipping $5.71 billion worth of wine into the country. The U.S. and the UK were both top markets for the beverage, each importing over 300 million gallons of wine. While these are major markets for wine, both are preparing for possible instabilities in the market.

Winemakers in Europe, spooked by potential U.S. tariffs from President Trump, are bracing for potentially uncertain times ahead. The administration has proposed tariffs of up to 100 percent on $25 billion on various European items, like cheese, wine, and olive oil. While the tariffs would impact consumer goods like wine, the impetus for the tariffs come from a 15-year long subsidy battle between Boeing and Airbus, aircraft manufactures.

Brexit has also alarmed grocers importing wine into the UK market. The Co-op supermarket and the Wine and Spirit Trade Association (WSTA) both reported that consumers could feel the effects of a No-deal Brexit in their wine options. Both organizations warned of possible price increases and supply restrictions for consumers buying wine at the grocery store.

While the UK and the U.S. are both major wine importers with looming trade tensions, Germany topped both in the volume of wine the country imports. Germany shipped in 383 million gallons of wine in 2018, the most of any other country in a report released by OIV (link in Spanish). Worldwide countries imported nearly 7.7 billion gallons of alcoholic beverages.

By Sarah Feldman  Statista

https://www.statista.com/chart/19514/top-wine-importers/

 

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

Key Details of the Massachusetts Marijuana
Home Delivery System

Very soon, residents of Massachusetts may begin enjoying marijuana home delivery. New rules allowing marijuana companies to delivery cannabis direct to their customers were approved last week by the Massachusetts Cannabis Control Commission. After they were adopted, the commission created new licenses for companies specializing in marijuana delivery.

According to the Cannabis Control Commission (CCC), home delivery for medical marijuana patients had already been approved. However, the 2016 ballot measures do provide for legalization of recreational marijuana home delivery; allowing it would give marijuana companies a chance to enter a market that is controlled by black market operators.

For home delivery, the customer has to confirm that they are 21 years or older at the dispensary and again when cannabis is delivered. Deliveries should only be done between 8 a.m. and 9 p.m., and the delivery people will be monitored by GPS and body cameras to make sure orders are delivered to the right place, and for the security of the employee.

Although cash payments are permitted, businesses are urged to implement an electronic or online payment system. The new rules prohibit carrying marijuana worth more than $10,000 at a time, to help minimize theft.

Deliveries will not be permitted in colleges or any university housing, shelters, hotels, or government-subsidized housing. Customers should order only from their place of residence. Also, deliveries will not be made in those parts of Massachusetts that do not permit the sale of marijuana.

To start companies to offer delivery services, the state and local officials have to approve delivery licenses, said Steve Hoffman, CCC chairman. However, first, they need to put the application form on their site, which will take several months since the commission isn’t accepting applications as yet.

www.CannabisNewsWire.com



[headlines]
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Border Collie/Mix
Littleton, Colorado  Adopt a Dog

Betty
Female
2 years old
Medium - 52 lbs.
Spayed

Meet Betty
Hi there my name is Betty! I am a beautiful lady with a kind heart. I am social, affectionate, and playful. I am looking for an active family that wants to keep me on the go. I am going to need exercise, training, socialization, and affection. In return, I promise to bring you years of love, laughter, and loyalty. My adoption fee includes my spay, a microchip, vaccines, and a fourteen day limited health guarantee through Redstone Animal Hospital! Come and visit me today! Primary Color: Black Secondary Color: White Weight: 52lbs Age: 2yrs 0mths 1wks Animal has been Spayed.

The Humane Society of the South Platte Valley
2129 W. Chenango Ave., Unit A
Littleton, CO 80120

Phone: 303-703-2938
Fax: 303-703-2922
Email: info@hsspv.org

HSSPV HOURS
Monday 11a.m. - 6 p.m.
Tuesday 11a.m. - 6 p.m.
Wednesday 3 - 6 p.m.
Thursday 11a.m. - 6 p.m.
Friday 11a.m. - 6 p.m.
Saturday 11a.m. - 6 p.m.
Sunday 12 - 5 p.m.


[headlines]
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SFNet's Annual Convention
November 13 - 15, 2019 | NYC


(Formerly Commercial Finance Association)

New York Marriott Marquis
1535 Broadway
New York, NY 10036

The Largest Secured Finance Event in the World

Current List of 693 Attendees to Date
https://community.cfa.com/communities/community-home/community-members

Registration:
Member Fees: $1,495 USD
Non-Member Fee: $2,395 USD
https://www.cfa.com/eweb/DynamicPage.aspx?webcode=EventInfo&Reg_evt

  • Hotel security. Security in and around Times Square will be tight including the public areas at the Marriott Marquis. Please wear your SFNet Convention Badge at all times both inside and outside the Convention Hall. There will be positive ID checks throughout the program. 
  • Entertainment. We have a number of great social and networking events planned throughout the Convention. If you are planning to host a reception for convention attendees, please schedule this during the designated times (see Attendee Rules of Engagement) that have been established to avoid conflicts with sponsored events.
  • Program book. The deadline for being listed in the Convention program book is fast approaching. Look who is registered so far and be sure to sign up before October 11th to be visible to your fellow attendees.

Fun fact: New York City has welcomed SFNet (formerly NCFA and CFA) conventions 32 times since our inception in 1944. In 1965 the “great NYC” blackout left convention goers undeterred, as thousands of candles were brought in to illuminate the proceedings at the Waldorf Hotel. The show must go on!


[headlines]

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News Briefs----

Fry’s Electronics still hanging on, but for how long?
   33 stores in nine states
https://www.mercurynews.com/2019/10/06/frys-electronics-hanging-on-but-for-how-long/

Macy's hiring 80,000 employees for holiday season
“stores, call centers and distribution or fulfillment centers”
https://abc7.com/shopping/macys-hiring-80000-employees-for-holiday-season-/5594866/

Eyeing a possible recession, California wineries cut back
    on production — and farmers suffer
https://www.sfchronicle.com/wine/article/Eyeing-a-possible-recession-California-wineries-14490794.php

Stakes couldn’t be higher for consumers and businesses
  seeking to preserve equal access to web sites
https://www.mercurynews.com/2019/10/06/editorial-california-must-defend-states-robust-net-neutrality-law/

How America’s Rich Get So Rich
  The Forbes 400 list -collective net worth of $2.96 trillion
https://www.forbes.com/sites/willyakowicz/2019/10/06/how-americas-rich-get-so-rich/#5a713d122f56

 





[headlines]

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You May Have Missed---

What to do with your old Android phone
    once you've bought a new one
https://www.cnet.com/g00/how-to/what-to-do-with-your-old-android-phone-once-youve-bought-a-new-one/

[headlines]
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Third Place Baseball in October

Because of drought and a few bad trades
the leaves have fallen too soon
and the crowd is sparse
and spaced like the remaining pieces
at the end of a long chess match
gridiron battle lines have been drawn
like grill marks across the brown diamond
 and the ball follows the fifty
high and toward right
till the sun strikes the fielder
like a Peyton stiff arm
and you forgive random rookie
for his bad judgment
for all rookies must be forgiven
once in October
when third place is sewed up
and attendance is amazingly over a million.

by Tim Peeler
from “Touching All the Bases”
with permission of the author
available at: www.mcfarlandpub.com


[headlines]
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Sports Briefs---

Raiders 24, Bears 21:
  Studs and duds from a topsy-turvy win in London
https://www.eastbaytimes.com/2019/10/06/raiders-24-bears-21-in-london/

https://www.chicagotribune.com/sports/bears/ct-cb-chicago-bears-oakland-raiders-london-week-5-20191006-plqrp3dzpfce3fwmfz2kv3miyu-story.html

The Las Vegas A’s? Baseball commissioner tells Oakland
      it could happen
https://www.sfchronicle.com/bayarea/philmatier/article/The-Las-Vegas-A-s-Baseball-commissioner-tells-14494415.php

Patrick Mahomes has joined the exclusive
    '99 Club' in 'Madden 20.'
Here are the other 4 best players in the NFL, according to the game.
https://www.businessinsider.com/madden-20-nfl-best-players-ratings-99-overall-2019-7

Chaos continues as Washington falls,
 Stanford and Arizona rise (and UCLA does UCLA things)
https://www.mercurynews.com/2019/10/05/saturday-night-five-chaos-continues-as-washington-falls-stanford-and-arizona-rise-and-ucla-does-ucla-things/


[headlines]
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California Nuts Briefs---

Zuckerberg: Traffic, housing woes hindering Facebook’s
  growth in SF Bay Area - Now Looking Outside Bay Area
https://www.sfchronicle.com/business/article/Zuckerberg-Traffic-housing-woes-hindering-14490820.php

California Wildfire Victims Risk Being Left Out
    as Utility Manages Bankruptcy
https://www.nytimes.com/2019/10/06/business/energy-environment/pge-wildfire-victims.html

San Francisco home listed for $4.3 million
   may have best backyard in the city
https://www.sfgate.com/ontheblock/article/2-Casteneda-Ave-San-Francisco-real-estate-14491265.php

The new face of Sacramento’s affordable housing crisis:
   College students forced to drop out
https://www.sacbee.com/news/local/sacramento-tipping-point/article235300497.html?



[headlines]

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“Gimme that Wine”

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

Rombauer Vineyards wins big wine production increase
   - and praise
https://napavalleyregister.com/news/local/rombauer-vineyards-wins-big-wine-production-increase---and/article_c2e9ebfa-0c83-5380-a3fd-af0c1b91cf9f.html

Eyeing a possible recession, Small California wineries cut back
    on production — and farmers suffer
https://www.sfchronicle.com/wine/article/Eyeing-a-possible-recession-California-wineries-14490794.php

Wine Institute Opposes Retaliatory Tariffs on EU Wine
https://www.winebusiness.com/news/?go=getArticle&dataId=220464


Free Wine App
https://www.nataliemaclean.com/mobileapp/

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 History

    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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