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

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

kitmenkin@leasingnews.org

Tueday, September 3, 2013

Today's Equipment Leasing Headlines

   Classified Ads---Operations
September 3, 2013 --Leasing Schemes’ Court Cases
by Christopher Menkin
  Changes at Barry Marks’ Law Office
   Weinberg Leaves/Reid Leaves/Evans Arrives
    Next Tuesday, Sept. 10 Free Webcast
     The Alta Group All-Stars
Small Business Left Out of Prime Credit Marketplace
Banks Recovering Well Servicing Large Accounts
  Classified Ads---Help Wanted
   “Preparing a Resume for Uploading?”
     Career Crossroad---By Emily Fitzpatrick/RII
      Social Media Explained!
Leasing 102 by Mr. Terry Winders, CLP
“Closing a Commercial Equipment Lease”
   Top Stories August 26--August 29
     (You May Have Missed One)
       Chick-fil-A Hopes Free Breakfast Can Build Nationwide Buzz
        Consumers Pulling Money out of Banks
         Classified ads—Asset Management
     Shepherd/Labrador Retriever
      Chicago, Illinois Adopt-a-Dog
News Briefs---
GM leads Detroit's return to leasing
Postal Service Seeks to Lease Vehicles It Can't Afford to Buy
  Macau takes plunge into financial leasing, banks negative
   Credit Unions Up 5.4% Loans/Lend $1B 2013

Broker/Funder/Industry Lists | Features (collection)
Top Ten Stories Chosen by Readers | Top Stories last six months
www.leasingcomplaints.com (Be Careful of Doing Business)
www.evergreenleasingnews.org

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

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

Working Capital Loans $10,000-$250,000

www.channelpartnersllc.com p: (763) 746-7760 f: (763) 592-8297 information@channelpartnersllc.com

Please send to a colleague. Spread the news.
Also ask them to join our mailing list or bookmark our site.
We are free!

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September 3, 2013 --Leasing Schemes’ Court Cases
by Christopher Menkin

Balboa Capital Mass Fax Class Action Case
Settled--$5 million?

It appears the class action case against Balboa Capital, Irvine, California brought by Attorney Aytan Bellin, While Plains, New Jersey, joined by Joseph R. Compoli, Jr. Cleveland, Ohio, and Roger Furman, Los Angeles, California (1)regarding unsolicited fax advertisements has been settled.

“(14. 14. The Telephone Consumer Protection Act of 1991, Pub. L, 102-243, § 3(a), added Section 227 to Title 47 of the United States Code, 47 U.S.C. § 227, In pertinent part, 47 U.S.C. § 227(b) provides that “[i]t shall be unlawful for any person within the United States, or any person outside the United States if the recipient is within the United States . to use any telephone facsimile machine, computer, or other device to send an unsolicited advertisement to a telephone facsimile machine[.]” 47 C.F.R. § 64.1200(a), a regulation prescribed under 47 U.S.C. § 227(b) and effective as of December 20, 1992, provides in pertinent part that “[n]o person may . [u]se a telephone facsimile machine, computer, or other device to send an unsolicited advertisement to a telephone facsimile machine.”

A Notice of motion for settlement has been sent for a hearing on 10/18/2013 at 02:30pm before Judge Josephine Station, Central District of California, Southern Division.

Basically the settlement calls for a $2.3 Million with a “Ceiling” amount of $3.3 million to class members, each of whom will receive either $500 or $175 per fax received, depending on whether the class member submits, respectively, the actual fax advertisement with $3.3 million ceiling. In addition, the two named Plaintiff class representatives will receive one combined incentive award of $10,000, and Balboa will not object to Plaintiffs’ counsels’ seeking an attorneys’ fee award of up to one-third of the $3.3 million ceiling amount. (3)

Balboa Complaint
http://leasingnews.org/PDF/Balboa_Complaint.pdf
Proposed Settlement motion hearing date http://www.leasingnews.org/PDF/BalboaSettlementHearing_92013.pdf
Proposed Settlement Terms
http://www.leasingnews.org/PDF/BalboaSettlementHearing_92013.pdf

HL Leasing—Delayed to October

This has been going on HL Leasing and Heritage Pacific Leasing company founder committed suicide May, 2009, leaving over $20 million in a Ponzi scheme of alleged American Express Leases held by Key Equipment Finance and purchased from them. Leasing News was on to this in 2007, but the reputation of Otto held off more investigation, although investors were contacting Leasing News during this time.

Ara Jabagchourian and Aron K. Liang of Cotchett, Pitre & McCarthy, LLP and Donald Fischbach of Dowling, Aaron & Keeler, Inc., took the officers to court in Fresno, California, won a judgment for $114.5 million against Heritage Leasing, MAC dba Heritage Leasing, Kathleen Otto (wife of John where bookkeeping was maintained at their house in Palm Desert (and Air Fred (small airline where they leased planes) plus $46.5 million against both Dan Ramirez and Andy Fernandez; $720,000 on top of that against Dan Ramirez in January, 2011. Since then it has wound down to finding assets remaining, with Ramirez going bankrupt; reported selling off assets. Attorney Ara tells Leasing News, "Probably going to have oral argument regarding Kathleen Otto's liability in October before the Court of Appeal in Fresno. The bankruptcy folks have sold her home and liquidated many of her assets."

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

IFC Credit--Rudy Trebels
BK End May be Near

In the IFC Credit Capital 7 bankruptcy case filed on July 27, 2009, a 1146 page individual Estate Property Record and Report Asset Cases (Form 1 and/or Form 2) Filed by Trustee David P Leibowitz, ESQ., on August 30, 2013. Leasing News continues to receive complaints from lessees and attorneys, regarding Evergreen clause continuation after leases have been reassigned from Co-Active, and some seeming to be administered by U.S. Manifest; three of them had $1.00 outs, and one was an Equipment Finance Agreement. The attorneys seem stifled about them and so far Leasing News has had the claims in "limbo."

It appears after Element Finance purchased CoActive, or perhaps influenced by it, settlement talks began, and it appears a settlement agreement has been made with a status hearing to be held November 8, 2013 bore the Honorable Thomas M. Durkin. Rudy Trebels as an individual was named in this suit regarding "reps and warrants" he made as an individual via IFC Capital Funding I, LLC.

Trebels is back in leasing and finance business; a member of the Equipment Leasing and Finance Association.

Rudy Trebels Saga
http://www.leasingnews.org/Conscious-Top%20Stories/trebels.html

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

NorVergence
No End

The Aberdeen Kid Yahoo blog has diminished.

No change since filing of bankruptcy and no information on case in Lake Charles, Louisiana regarding Thomas N. Salzano, the mastermind behind the 10,629 leases with over 50 bank and leasing companies. It keeps being postponed.

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

Operation Lease Fleece
Last One Sentenced

Ziya Arik, CapitalWerks/Preferred Lease, was sentenced. He reportedly one of the toughest salesmen who was rough on customers, competing with Brian Acosta, CLP, for accounts. There were many complaints about his “performance.”

Arik also seem to get off light, as many of those arrested received “walk away” “second chance” penalties. Of course, jails are very overcrowded in California and many with light sentence are being let free, so Arik got lucky. He was sentenced by U.S. District court Judge Cormac J. Carney "...to pay $100, one day in jail and supervised release for a year... The defendant shall not engage, as whole or partial owner, employee, or otherwise in any business involving equipment lease financing programs of any kind, loan programs, telemarketing activities, or any other business involving the solicitation of funds or cold-calls to customers, without the express written approval of the Probation Officer prior to engagement in such business or employment. The defendant’s current employment is deemed acceptable to the Court. Further, the defendant shall provide the Probation Officer with access to any and all business records, client lists, and other records pertaining to the operation of any business owned in whole or in part by the defendant, as directed by the Probation Officer.”

All those sentences cannot get back into the financial industry.

Arik Sentencing
http://www.leasingnews.org/PDF/AirkSentencing_92013.pdf

Arik Passport Release
http://www.leasingnews.org/PDF/PassportReturn_92013.pdf

Operation Lease Fleece Stories
http://www.leasingnews.org/Conscious-Top%20Stories/Lease_Fleece.htm

Sheldon Player—Equipment Acquisition Resources
Looks Like Sheldon will Walk

(contains $900,000 in cash)

A hearing has been set for September 10, 2013 and all parties have been notified. Transcript regarding Hearing Held 05/15/2013. Remote electronic access to the excerpt/transcript is restricted until 11/12/2013. The excerpt/transcript may be viewed at the Bankruptcy Court Clerk's Office. For additional information, contact the Court Reporter J Defini, Telephone number 312-987-9722.

E.A.R. Hearing Notification (Shows how many creditors with claims) --11 pages
http://www.leasingnews.org/PDF/EARHearing_92013.pdf

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

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Classified Ads---Operations

(These ads are “free” to those seeking employment
or looking to improve their position)

Want To Work From Home:
Have 10+ years in readying Lease Origination Documentation, Litigation case mgmt., Collection, Repossession, Remarketing, complete Discovery and Interrogatories, attend Trials and Mediation, prepare and submit SAR’s, translate for Spanish speaking customers, clients and employees, monitor high risk accounts for monetary penalties, bankruptcy management. Email: BRFR@ATT.NET

Free Posting for those seeking employment in Leasing:
http://www.leasingnews.org/Classified/Jwanted/Jwanted-post.htm

All “free” categories “job wanted” ads:
http://www.leasingnews.org/Classified/Jwanted/Jwanted.htm

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Changes at Barry Marks’ Law Office
Weinberg Leaves/Reid Leaves/Evans Arrives

Barry S. Marks, Esq.

Well-known and respected financial industry attorney Barry S. Marks, Esq., Birmingham, Alabama, also a published poet who has won several poetry awards, notes major changes to his law office in his latest newsletter:

Ken Weinberg

"After 12 years of working with me, Ken Weinberg is moving on," Barry announced. "He will be working for our old law firm, Baker, Donelson, Bear-man, Caldwell & Berkowitz, PC, where he will continue to develop his energy finance practice. Ken has worked with me since the day he walked out of law school and, along with the rest of attorneys and staff, we wish him all the best."

In his latest newsletter, Barry Mark also announced, "Patti Reid has completed her tenure with us and will be moving on to head up a new equipment finance operation at Renasant Bank. We anticipated that Patti would be with us for 1 to 2 years and, now that she has had a good taste of the legal side of the equipment finance business, she is in a position to wreak havoc on her competition (as well as to drive her attorneys crazy). Life is a learning experience and both Patti and I have gained a lot from her months with us."

On the good side of the news, Matthew "Matt" Evans, a long time Birmingham native, has joined the firm. He attended Gardner-Webb University on a football scholarship where he obtained his Finance degree. Upon graduation, Matthew attended BB&T’s Leadership Development Program, a highly rated credit training program, where upon completion worked for three years as a lender in the Charlotte, North Carolina market prior to attending law school at Cumberland School of Law. According to Barry, "Matt gained valuable experience working as loan officer and managed an extensive loan portfolio."

Barry notes, "while in law school he had the opportunity to clerk for the 18th Judicial Circuit of Alabama and a Birmingham area based firm, specializing in corporate and commercial areas of law. Prior to joining Marks and Weinberg, Matthew worked at Gibbons Graham serving as lender’s counsel on commercial real estate transactions and various credit requests and at BBVA Compass researching an array of legal issues regarding the complex world of commercial banking. Matthew is married to a 5th Grade teacher and enjoys spending time with his family (which is soon to have a baby girl) playing golf, fishing, and watching college and professional football."

Other good news is a new book of poetry by Barry is at the publishers and is planned to be out early next year.

Other details about firm news will be in the Fall Marks & Associates newsletter, available by contacting Barry Marks at Barry@leaselawyer.com.

The newsletter features articles regarding legal developments, procedure and documentation tips and other matters of interest to leasing professionals.

BARRY S. MARKS
MARKS & ASSOCIATES, P.C.
Financial Center - Suite 1615
505 North 20th Street
Birmingham, Alabama 35203
P. O. Box 11386
Birmingham, Alabama 35202
barry@leaselawyer.com
www.leaselawyer.com
205.251.8303
fax 278.8905 (Direct) 251.8305 (Main)

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Next Tuesday, Sept. 10 Free Webcast
The Alta Group All Stars

Michael J. Fleming, Senior Managing Director, Past Pres. ELFA

John C. Deane, CEO, 2011 Leasing News Person of the Year

Valerie L. Gerard-Managing Director-Management Consulting

Melisa Carter – Former sr. v-p marketing, Key Equipment Finance

90-minute webcast, with ample interactive Q&A time

Tuesday, September 10, 2013
1:00 PM - 2:30 PM US Eastern
12:00 PM - 1:30 PM US Central
11:00 AM - 12:30 PM US Mountain
10:00 AM - 11:30 AM US Pacific
5:00 PM - 6:30 PM GMT

Attendees will learn how to deliver using growth plans based on the consulting firm’s real life examples from decades of successful engagements with equipment finance companies.

Register now at www.krm.com/thealtagroup
(More information precedes the registration sign up.)

If you can't attend a free MP4 Recording will be available for 30 days following the event.

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Small Business Left Out of Prime Credit Marketplace;
Banks Recovering Well Servicing Large Accounts
by Christopher Menkin

While FDIC insured institutions earned $42.2 billion in the second quarter, up $7.8 billion or 22.6%, the business primarily came from large enterprises. On the down side, banks continued to be squeezed as the average net interest margin — the difference between the average yield banks earn on loans and other investments and the average cost of funding those investments — fell to 3.26 percent, its lowest level since 2006, when 3.20 percent was reported in the fourth quarter.

Banking is improving with less charge-offs and delinquencies, perhaps because the banks have been dropping more real estate and construction loans and not lending to small businesses, unless they were at the point of this cartoon:

According to the FDIC second quarter report, "Loan balances increased by $73.8 billion (1.8 percent) in the three months ending June 30, as commercial and industrial loan balances rose by $30.4 billion (2 percent). Balances also increased in real estate loans secured by nonfarm nonresidential properties (up $11.1 billion or 1 percent), credit cards (up $10.1 billion or 1.5 percent), and auto loans (up $10 billion or 3.1 percent)."

"Balances declined in home equity loans (down $9.8 billion or 1.8 percent) and other loans secured by 1-4 family residential real estate (down $22.1 billion or 1.2 percent). For the 12 months through June 30, total loan and lease balances were up by $219.4 billion (2.9 percent)."

Profits also came from less uncollectible loans and charge offs. FDIC insured banks and thrifts charged off $14.2 billion in uncollectible loans during the quarter, down $6.3 billion (30.7 percent) from a year earlier. The amount of noncurrent loans and leases (those 90 days or more past due or in nonaccrual status) fell by $21.7 billion (8.3 percent) during the quarter, and the percentage of loans and leases that were noncurrent declined to 3.09 percent, the lowest level since the 2.97 percent posted at the end of 2008.

There continues to be a divided between the "haves" and the "haves not" in the search for loans, primarily divided between larger companies and smaller companies. To understand this there are "roughly 200,000 middle-market businesses in the country---companies with $10 million to $1 billion revenues. These companies comprise about three percent of the total population of companies in the United States, yet they deliver 1/3 of the economic input, " according to Mike Pilot, Chief Commercial Office, GE Capital, Monitor, July/August, 2013.

In the same Monitor issue, it is noted that 10 top banks in the leasing industry account for 74.1% of the leasing business compared to the 25.9% of the remaining companies.

		in millions
Top Ten Banks	74.10%	$138,829.80
Next 40 Large Banks	25.90%	$48,424.30

According to The Family Business Review, “There are approximately 17 million sole-proprietorships in the US. It can be argued that a sole-proprietorship (an unincorporated business owned by a single person) is a type of family business” and “there are 22 million small businesses (fewer than 500 employees) in the US and approximately 14,000 big businesses.” The report notes that small businesses created the most new jobs in communities.

United States business size definition, according to the Wikipedia:

Minute/Micro 1-6
Small <250
Medium <500
Large <1000
Enterprise >1,000

Then by definition, 97 percent of all independent businesses in the country employ fewer than 500 people. These small businesses account for 52 percent of all U.S. workers, according to the U.S. Small Business administration (SBA). Some 19.6 million Americans work for companies employing fewer than 20 workers, 18.4 million work for firms employing between 20 and 99 workers, and 14.6 million work for firms with 100 to 499 workers. By contrast, 47.7 million Americans work for firms with 500 or more employees. (1)

Viewing the two statistics, one from FDIC in loan growth, and the number of small businesses, the growth in loans by banks continues in the large companies with ability to secure credit as well as accumulate cash as smaller companies. It also indicates how small business creates the most employment and with lack of credit, means less employees hired or companies to hire them.

FDIC Chairman Martin J. Gruenberg said, "The trends we have seen in recent quarters continued in the second quarter. Asset quality continues to recover, loan balances are trending up, fewer institutions are unprofitable, the number of problem banks is down, and the number of failures is significantly below levels of a year ago.

“However, industry revenue growth remains weak, reflecting narrow margins and modest loan growth. And the current interest rate environment creates an incentive for institutions to reach for yield, which is a matter of ongoing supervisory attention. Nonetheless, overall these results show a continuation of the recovery in the banking industry."

Bond Market is a concern: As interest rates soared in the second quarter the value of long term bonds held by banks plunged in value by the largest amount since banks started reporting this data in 1994. This does not affect the bank earnings, but can reduce the book value of a bank. Under the Basel III capital, it can affect regulatory capital, according to problembanklist.com; "Banks had record breaking earnings this quarter but if interest rates continue to increase, the huge losses on long term bonds in bank portfolios will at some point start to negatively impact earnings."(2)

The FDIC report states, "Higher interest rates led to a decline in market values of securities portfolios. Insured institutions reported a $51.1 billion (89.1 percent) decline in unrealized gains in their holdings of available-for-sale securities during the quarter. This decline was due primarily to rising medium- and long-term interest rates, which eroded market values of fixed-rate securities. Unrealized gains and losses on available-for-sale securities do not affect current earnings, but they do have implications for future earnings if the securities are sold."

The good news for the market place is the proportion of banks that were unprofitable fell to 8.2 percent, from 11.3 percent a year earlier.

The number of problem banks continued to decline. The number of banks on the FDIC's "Problem List" declined from 612 to 553 during the quarter. The number of "problem" banks is down nearly 40 percent from the recent high of 888 institutions at the end of first quarter 2011. Twelve FDIC-insured institutions failed in the second quarter of 2013, up from four failures in the first quarter. Thus far in 2013, there have been 20 failures, compared to 40 during the same period in 2012.

The Deposit Insurance Fund (DIF) balance continued to increase. The DIF balance — the net worth of the fund — rose to $37.9 billion as of June 30, from $35.7 billion as of March 31.

The complete Quarterly Banking Profile is available at
http://www2.fdic.gov/qbp on the FDIC Web site.

(1) http://economics.about.com/od/smallbigbusiness/a/us_business.htm

(2) http://problembanklist.com/banking-industry-losses-of-billion-on-bond-investments-wipes-out-second-quarter-profits-0635/

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Leasing Industry Help Wanted

Los Angeles, California
Documentation and Funding Coordinator

Minimum 2 years of experience in preparation
of loan or lease documents in equipment finance,
leasing, commercial banking or mortgage lending.
Join our team in providing a streamlined funding process.
Contact: Shervin S. Rashti, CLP
Direct: 213-599-7660

www.maximcc.com
Maxim Commercial Capital is a commercial finance company committed to fostering the growth of small and middle market companies by providing creative and flexible asset-backed financing solutions

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

Please see our Job Wanted section for possible new employees.

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“Preparing a Resume for Uploading?”
Career Crossroad---By Emily Fitzpatrick/RII

Question: I have seen your advice regarding resume drafting, any suggestions on how to prepare a resume for uploading?

Answer: Most companies today have a resume-tracking system and larger companies use computers to scan resumes – so making sure your resume is “computer-friendly” is very important. You actually may want to have another version of your resume meant specifically for uploading.

One you bring with you to an interview, and one that is requested be sent by email or fax.

When preparing your resume for uploading:

Always upload an original not a scanned version or photocopy – it should be an ACTUAL file. Quality of the original than a copy will reproduce much more cleaner and brighter.
ONLY put your name on the first line of your resume.
Use “common” fonts, e.g. Times New Roman, Courier, are most common; Verdana it a top HTML font
Do not include various font-formatting options, e.g. script bold, underline, etc...
Keep the size of the font between 10 and 12 (12 is best.)
Do not use (1) vertical lines (2) multiple columns or (3) complicated layouts
Do not incorporate logos, graphics, shading, etc… into this version of your resume.
Make sure your resume includes keywords / buzzwords at the beginning of your resume – keywords = your expertise / talents / skills (don’t make this list too long)

REMEMBER

You are preparing a resume to be scanned and understood by a computer and not writing one that would appeal to a hiring manager / recruiter or HR rep with creativity. Your goal is to make it through the scanner intact with enough information that when the system is looking for somebody with your qualifications, your RESUME will surface.

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

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Leasing 102
by Mr. Terry Winders, CLP

Closing a Commercial Equipment Lease

I have written many times about obtaining proper signatures on equipment lease documents ---but I find that many lessors do not follow the required procedures to have enforceable documents. The biggest mistake I see in court is having the lessee sign the acceptance prior to the delivery and possession. If you read the language in an acceptance form you can see why it is important for the lessee to have possession and time to inspect the performance of the equipment. It is as follows:

The following Items of Equipment have been (a) previously delivered to Lessee under the Lease (as evidenced by a preciously signed Delivery Certificate), (b) fully and completely installed (if and to the extent any installation is required), (c) tested by Lessee to the extent Lessee deems appropriate in order to make this Certificate), (d) found to be suitable to Lessee for purposes of accepting those Items under the Lease and making them subject to the Schedule and the Lease (without waiving any rights or claims against the Vendor), (e) put into use on or as of the Commencement Date, and (f) accepted by Lessee, and Lessee hereby waives any right to revoke its acceptance with respect thereto:

If the lessee does not have the opportunity to test the equipment you have a strong chance of losing your court case for failure to pay the lease payments. Testimony that the salesman or vendor or even the funder requested the form be signed can add to the warranty or other problems in why the lessee is no longer making payments.

In addition, witnessed signatures with titles and proper dates go a long way to support enforceable documents. Also making sure the lessee has a completed copy of the documents with all blanks filled in and all dates confirmed.

Once in a while lessee’s fail to complete dates or send in documents unsigned. You can accept faxes and internet copies, but in some fashion you need to have proof that the lessee accepts everything and confirms everything or when you get to court ----defaults it will be hard to win your case.

Attorneys, leasing companies, and my own experience as a leasing legal expert have found that sloppy documentation is the leading cause of failed leases, piercing the disagreements as to responsibility of lessee and lessors.

Part of the closing procedure needs to be a verbal presentation of the terms of the lease and what responsibilities such as insurance, equipment condition, any change in equipment location, and other requirements not found in standard loan documentation. Many companies today, with the lessee’s acknowledgement, actually record these final telephone acceptance. They are helpful, but the fact that the equipment was working, well-received, and acceptance signed afterwards, is a strong fact.

Mr. Terry Winders, CLP, has been a teacher, consultant, expert witness for the leasing industry for thirty years and can be reached at terrywinders11@yahoo.com or 502-649-0448.

He invites your questions and queries.

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

Mr. Terry Winders available as Expert Witness. 35 years as a professional instructor to the top equipment leasing and finance companies in the United States, author of several books, including DVD's, as well as weekly columnist to Leasing News. He also performs audits of leasing companies as an expert on documentation, and has acted as an expert witness on leasing for litigation in legal and tax disputes, including before the IRS. He also has taught the senior bank examiners, how to review a bank leasing department, for the Federal Reserve in Washington D.C. and has trained the examiners for the FDIC on how to prepare a lease portfolio for sale.

Mr. Winders received his Master of Business Administration and his Bachelor of Science degrees from the College of Notre Dame.

502.649.0448/terrywinders11@yahoo.com

(This ad is a “trade” for the writing of this column. Opinions
contained in the column are those of Mr. Terry Winders, CLP)

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Top Stories August 26--August 29
(You May Have Missed One)

Here are the top stories opened by readers:

(1) Leasing Innovations, Inc., Solano Beach, California
$800,000 Bulletin Board Complaint
http://leasingnews.org/archives/Aug2013/8_29.htm#bbc

(2) Matrix Business Capital, Long Beach, California
New Complaint -- $3,435.60 Bulletin Board
http://leasingnews.org/archives/Aug2013/8_26.htm#bbc

(3) NAELB/CLP Foundation/Leasing News/John Does 1-20
Bryan Kastleman/Hill Country Hillside, LTD.
Named in Lawsuit by Brian Acosta, CLP
-Founder Blue Star Capital Inc., Ability/Matrix/
http://leasingnews.org/archives/Aug2013/8_26.htm#lawsuit

(4) Leasing 102 by Mr. Terry Winders, CLP
How Are You Doing?
http://leasingnews.org/archives/Aug2013/8_26.htm#how

(5) New Hires—Promotions
http://leasingnews.org/archives/Aug2013/8_29.htm#hires

(6) “How to Keep Confidential from Employer
You are Looking Elsewhere?”
Career Crossroad---By Emily Fitzpatrick/RII
http://leasingnews.org/archives/Aug2013/8_26.htm#crossroad

(7) Sales Makes it Happen by Steve Chriest
http://leasingnews.org/archives/Aug2013/8_29.htm#sales

(8) "The Memory Shock" by Barry Reitman
Perfect to send to Student Going Off to College
http://leasingnews.org/archives/Aug2013/8_29.htm#memory

(9) Arizona and Tennessee Bank Close
Bank Beat
http://leasingnews.org/archives/Aug2013/8_26.htm#bank_beat

(10) Find a New Niche via a Free Trade Publications
Or Discover Leads in Your Targeted Industry
http://leasingnews.org/archives/Aug2013/8_29.htm#niche

(Leasing News provides this ad “gratis” as a means
to help support the growth of Lease Police)

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

Chick-fil-A Hopes Free Breakfast Can Build Nationwide Buzz

New promotion “Breakfast On Us” lets guests nationwide make a reservation during the week of September 9–14 for a free breakfast entrée of their choice, which can be redeemed at a certain time at their local Chick-fil-A unit.

Breakfast items offered include the Chick-fil-A Chicken Biscuit; Spicy Chicken Biscuit; Sausage Biscuit; 3-Count Chick-fil-A Chick-n-Minis; Chicken, Egg & Cheese Bagel; Bacon, Egg & Cheese Biscuit; Chicken Breakfast Burrito; Sausage Breakfast Burrito; oatmeal; or a yogurt parfait.

Guests can make reservations on www.Chick-fil-AForBreakfast.com through September 13, or until all slots are filled.

“Rather than having a free-for-all, just saying, ‘Hey, we’ll give you free breakfast if you stop by Chick-fil-A this week,’ we want to know when they’re coming in and how many people to expect, ”Chick-fil-a public relations manager Mark Baldwin told QRSmagazine.com. “That way we can prepare the best-quality product and also [deliver] our service standards.”

Baldwin says each Chick-fil-A unit is prepared to give away hundreds of breakfast items each day.

“We are encouraging our franchisees to go big and to offer as many free products as we can,” he says. “We’re not just doing one certain product. We’re doing pretty much our main, core breakfast entrées.”

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

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

Consumers Pulling Money out of Banks

After six years of money pile up in bank accounts,
despite decreasing interest rates, consumers are starting
to pull money out of bank deposits.

Dan Geller, Ph.D.
Exec. VP, Market Rates Insight

“The overall decline in deposits balances in the second quarter of 2013 is an indication that interest rates on deposits are likely to start climbing up in the near future” said Dan Geller, Ph.D. Executive Vice President at Market Rates Insight, “Financial institutions will need to start increasing interest rates on deposits in order to maintain current deposits levels and to increase liquidity ratio as mandated by Basel III.”

The latest analysis from Market Rates Insight ( www.marketratesinsight.com) shows that deposit balances in FDIC insured institutions declined for the second consecutive quarter of 2013. In the second quarter of 2013, total domestic-deposit balances declined by $31 billion compared to the first quarter of this year – a decreased of 0.3%. Similarly, in the first quarter of 2013, total domestic deposits decreased by about $20 billion or 0.2% according to the quarterly report released today by the FDIC.

The decrease in domestic deposit balances comes after six years of continued increase in deposit balances despite a record decrease in deposits interest rates. The decline in deposits rates started in July of 2007, when the national average rate for deposits stood at 3.28%. Ever since, the national average rate for deposits continually declined and reached its lowest level of 0.28% in July of this year – a decline of 300 basis points or 91% in the yield value. During the same time period, July 2007 to July 2013, total domestic deposits balances increased from $6.7 trillion to $9.4 trillion – an increase of $2.7 trillion or 40% in six years.

Both deposit categories declined in the second quarter of this year. Certificates of deposit balances declined by nearly $12 billion or 0.7%, and total balances of liquid accounts, including checking, savings and money market accounts, declined by about $19 billion or 0.2%. However, some types of deposit accounts experienced an increase in balances during the second quarter of this year. Balances of short term CDs of 3-month or less increased by $26 billion or 9.4%, and money market account balances increased by nearly $50 billion or 1.1%.

About Market Rates Insight
Market Rates Insight (MRI, www.marketratesinsight.com) is a reputable provider of competitive-pricing information and analysis to financial institutions. MRI’s competitive data is complete, detailed and timely, which allows for the highest level of pricing precision. Therefore, the use of MRI’s competitive data ensures greater pricing optimization, and subsequently, improved profitability. In addition to competitive-pricing data, MRI also conducts pricing analysis and provides tracking of industry indexes. MRI’s indexes, published weekly in the National Pricing Indicators, are the industry standard for deposit pricing, and are viewed weekly by executives of banks and credit unions through video, audio and print channels.

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

[headlines]
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Classified ads—Asset Management

Leasing Industry Outsourcing
(Providing Services and Products)

Asset Management

Asset Management: Atlanta, GA premier provide accounts receivable management functions from 3rd Party contingency collections to Portfolio Purchasing. Contact George Elliott, National Account Manager. 678-694-9063, www.westassetmanagement.com	Asset Management: Boston, MA Nationwide appraisals, remarketing, audits, inspections and more! Over 15-years industry experience and dedicated to deliver personal, prompt, professional services. Call Chris @ 508-785-1277. Email: chris@dovermanagementgroup.com
Asset Management: Minneapolis, MN NetSentric provides services to leasing companies: Inspection, Appraisals, Auditing, Warehousing, Repossession, Asset Management, Repairs, Remarketing and Field Service for Electronics and Computing Technology. Email: jcahill@netsentricinc.com	Asset Management: Monroe, NC Recover a greater return on your investment. We specialize in the woodworking, pallet, sawmill and forestry industries. Carolinamachinerysales.com/ Melinda Meier (704)288-1904 x103
Asset Management: Nationwide BUYER/LENDER BEWARE. Don't sign anything until Collateral Verifications Inc. goes onsite, knocks on the door and gets the facts. http://www.i-collateral.com Email: mark@i-collateral.com	Nationwide Seasoned and fair priced workforce is at your service for all lease collections, repossessions, and asset liquidations, appraisals. Call Nassau Asset Management 800-462-7728 dcastagna@nasset.com
Asset Management: NorthWest Sequent provides collateral recovery, remarketing, and storage services to lenders with assets located in the greater Pacific Northwest. Professional services at reasonable pricing. Contact rossr@sequentam.com	Asset Management: Orange City, FL We help Lessors Liquidate un-wanted Assets valued at $750,000+. It's an effective method of Liquidating Assets such as Jets, Planes, Helicopters, Freighters, etc. Eric R. Sanders Tel 386-789-9441 www.ValuedAssetSales.com www.The-RandolphCapital.com EQPMNTLEASING@aol.com
Asset Storage/Re-Marketing: Ohio & surrounding states. Providing no cost warehousing, condition reports, digital photos and remarketing of off-lease forklifts & industrial equipment. NAFTA wide dealer network. Email to GCochran@OhioLift.com	Asset Management Melville, New York Auctions, Appraisals, National Repossessions. ALL asset classes. 20+ year team works for you. Spend less, Net More… Fast! Ed Castagna 516-229-1968 ecastagna@inplaceauction.com
Asset Management: South East US- AllState Asset Management Recovery, remarketing, inspections. 25 years experience, dedicated to deliver, prompt, professional services. Call Brian @ 704-671-2376. email	Asset Management: Global Specializing in Semiconductor and Electronic Test Equipment collateral. Lender services include Consignment Sales, Remarketing, Portfolio Purchases, Inspections, De-installation, Repairs and Warehousing. www.testequipmentconnection.com email
Bulldog Asset Management provides recovery and remarketing services with a difference. Contingent repos, free storage and industry experts to remarket. Email:Jamie@bulldogasset.com www.bulldogasset.com	Asset Management: Portsmouth, NH Unique approach improves results, keeps costs down. Repossession, Storage, Inspection, Legal, Appraisal, Transport, Remarketing. Free advice and resources.Call 855.EENGINE equipmentengine.com

All "Outsourcing" Classified ads (advertisers are both requested and responsible to keep their free ads up to date:
http://www.leasingnews.org/Classified/Outsourcing/Outsourcing.htm

How to Post a free "Outsourcing" classified ad:
http://www.leasingnews.org/Classified/Outsourcing/Outsourcing-post.htm

• Contract Negotiations • Fraud Investigations
• Credit Investigations • Skip-tracing
• Third-party Commercial Collections
John Kenny
Receivables Management
For flat fee or commissions basis

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

(Leasing News provides this ad as a trade for investigations
and background information provided by John Kenny)

[headlines]
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Shepherd/Labrador Retriever
Chicago, Illinois Adopt-a-Dog

Booker
Young
Neutered
Up-to-date with routine shots
House trained
Primary colors: Black, Brindle
Coat length: Short

"Though his gorgeous eyes might be the first thing most people notice about Booker, his fabulous, playful, friendly personality is a very close second. At about 3-months-old this fuzzy fellow's breed mix is a total guess but what we do know is that he is a great buddy that is both dog and people friendly and is already picking up quickly on house breaking and crate training.

“Currently living with another pooch in his foster home, Booker would love to have a canine buddy to romp around with! He hasn't yet been assessed with cats but we anticipate he'd do just fine."

Adoption: $300
Please use email • annaotat@gmail.com
One Tail at a Time Dog Rescue
MAILING ADDRESS ONLY:
2020 N. California, Ste. 7, #152
Chicago, IL 60647
FAX: 866-515-6828

Adopt-a-Pet by Leasing Co. State/City
http://www.leasingnews.org/Conscious-Top%20Stories/Adopt_Pet.htm

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

[headlines]
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News Briefs----

GM leads Detroit's return to leasing
http://www.usatoday.com/story/money/cars/2013/09/01/gm-leads-detroits-return-to-leasing/2752241/

Postal Service Seeks to Lease Vehicles It Can't Afford to Buy
http://www.govexec.com/management/2013/08/cash-strapped-postal-service-looks-expand-leased-vehicles/69680/

Macau takes plunge into financial leasing, banks negative
http://macaubusinessdaily.com/Business/New-firm-takes-plunge-financial-leasing

Credit Unions Up 5.4% Loans/Lend $1B 2013
http://www.prweb.com/releases/
20132Q13TrendWatch/09/prweb11078677.htm

[headlines]
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--You May Have Missed It

Poll: Americans still worry about layoffs, hours, benefits
http://www.upi.com/Business_News/2013/09/02/Poll-Americans-still-worry-about-layoffs-hours-benefits/UPI-94271378132232/

[headlines]
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SparkPeople--Live Healthier and Longer

Spark Diet
http://www.sparkpeople.com/resource/sparkdiet.asp

[headlines]
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Baseball Poem

WHY BASEBALL WALTZES WITH LETTERS

by Tim Peeler

A Faulkner sentence is an extra inning game,
Simply and finally playing through its Will and exhaustion.

Third Base Coach signals are ee cummings poems-
Gimmicky, sure, but meaningful in their color
When you break the code.

The prisons play contests of Bukowski prose,
Where a stolen base may be a literal image
And everybody gambles nothing.

Weird killers load the bases at a
Stephen King Little League field, the sequel,
A grand slam promise at the bank.

Although Poe would never sit through nine,
His words are a dark season in the cellar,
A team leaving town and the death of a Beautiful groupie.

Finally, Wolfe who wrote slugfest
Double-headers played to million-footed
Throngs, then flickered like so many other
Stars never meant for extra innings.

-------------------
--- with the permission of the author, from his
book of baseball poetry:
“Waiting for Godot's First Pitch”
More Poems from Baseball

available from Amazon
or direct
from the publisher at: www.mcfarlandpub.com

[headlines]
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Sports Briefs----

Green Bay Packers sign ex-49er Seneca Wallace to back up Aaron Rodgers
http://sports.yahoo.com/blogs/nfl-shutdown-corner/green-bay-packers-sign-ex-49ers-seneca-wallace-152257247--nfl.html

49ers sign versatile Harper off Seahawks practice squad
http://www.csnbayarea.com/49ers/49ers-sign-versatile-harper-seahawks-practice-squad

Belichick refuses to rule out Tebow comeback
http://sports.yahoo.com/news/belichick-refuses-rule-tebow-comeback-164807129--nfl.html

[headlines]
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California Nuts Briefs---

New Bay Bridge span will open Monday night
http://www.contracostatimes.com/bay-area-transportation/ci_23998547/major-bay-bridge-realignment-work-done

Years after California OK'd $1.2 billion for new jails, not one has yet been completed
http://www.sacbee.com/2013/08/30/5693654/years-after-california-okd-12.html

[headlines]
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“Gimme that Wine”

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

The Coravin Makes Great Wines More Accessible by the Glass
http://www.nytimes.com/2013/09/04/dining/the-coravin-makes-great-wines-more-accessible-by-the-glass.html?ref=dining&_r=0

Wine Enthusiast’s 2013 Wine Star Award Nominees
http://www.winemag.com/October-2013/Wine-Enthusiasts-2013-Wine-Star-Award-Nominees/

Labor Trends May Challenge Wine Industry
winesandvines.com/template.cfm?section=news&content=121146

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/

Winery Atlas
http://www.carterhouse.com/atlas/\

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

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

This Day in History

     1721-The Boston Gazette advertised a Camel would be exhibit for sale” African camel...7 feet high and 12 feet long.”
    1780- British intelligence officer Major John André was hanged as a spy in Tappan , New York . Captured on his return to New York City by American militiamen fighting in the War of Independence, Major André was found to have papers hidden in his boot concerning West Point, New York . General George Washington designated a board of officers to hear the case which, after finding André guilty of spying, sentenced him to death. More disturbing news was uncovered during the process of the investigation. The papers carried by the British officer had been given to him by Brigadier General Benedict Arnold of the Continental Army, recently appointed commandant of the fort at
West Point . Since May 1779, Arnold, motivated by greed, by his opposition to the French alliance of 1778, and by his resentment towards authorities who had reprimanded him for irregularities during his command in Philadelphia , had maintained a secret correspondence with Major André. On September 21, Arnold had agreed to surrender West Point to the British in exchange for 20,000 pounds. West Point , at the time, was a major fort, plus defended the major water transportation for the area.
(lower half of: http://memory.loc.gov/ammem/today/oct02.html )
    1800 – Birthday of Nat Turner Virginia, leader of major slave rebellion
    1864- Battle of Saltville
A Union cavalry column strikes Saltville in southwestern Virginia , but is defeated by a force patched together from several reserve units. The Confederacy's main source of salt, used as a preservative for army rations, was secured as the war entered its final phase. With nearly 8,000 soldiers, the two Union forces converged on the area; the Confederates had barely 1,000 men to stop them. Some of those were used to slow Gillem's advance, but only a few hundred men under the command of Colonel Henry Giltner were available to face Burbridge. On October 1, Giltner delayed the Yankees at Clinch Mountain , but by October 2 the Yankees had reached the outskirts of Saltville. Confederate General John Williams arrived just in time with cavalry reinforcements, and Burbridge suddenly faced more than 2,500 Rebels. The determined Confederates dug in and repulsed a series of attacks. By nightfall, Burbridge's men were running low on ammunition. The Yankees withdrew during the night, and the Confederates pursued them to the Kentucky border. The glory of the victory was tarnished, however, when the Confederates massacred wounded Union soldiers from the 5th and 6th Colored Cavalry. The Union suffered 329 men killed, wounded, or missing at Saltville, while the Confederates lost 190 men. It was a stunning victory for the Confederates, since they were vastly outnumbered. Winning the Battle of Saltville did little to delay the collapse of the Confederacy, however, which was complete just six months later.
    1866-J.Osterhoudt of New York City , obtained a patent for an "improved method of opening tin cans." The can had a projecting lip and a key could open it.
    1871-Birthday of Cordell Hull, American statesman who served in both houses of the Congress and as secretary of state , born Pickett County , TN. Noted for his contributions to the “Good Neighbor” policies of the US with regard to countries of the Americas and to the establishment of the United Nations. Hull died at Bethesda , MD July 23, 1955.
    1874-Birthday of Edward H. Crump, Holly Springs , MS "Boss Crump" -- of Memphis , Shelby County , Tenn. Born near Holly Springs , Marshall County , Miss. , October 2 , 1874 . Democrat. Mayor of Memphis, Tenn. , 1910-16, 1939; delegate to Democratic National Convention from Tennessee, 1928, 1936 , 1940 , 1944 ; U.S. Representative from Tennessee , 1931-35 (10th District 1931-33, 9th District 1933-35); member of Democratic National Committee from Tennessee , 1936-45. Died in Memphis , Shelby County , Tenn. , October 16 , 1954 . Interment at Elmwood Cemetery , Memphis
http://www.bartleby.com/65/e-/E-Crump-Ed.html
http://bioguide.congress.gov/scripts/biodisplay.pl?index=C000955
    1890, birthday of Groucho Mark. Born Julius Henry Marx at New York , NY . Comedian, who along with his brothers, constituted the famous Marx Brothers. The Marx Brothers began as a singing group and then acted in such movies as Duck Soup and Animal Crackers. During the '40s and '50s, Groucho was the host of the television and radio show "You Bet Your Life." Died at Los Angeles , CA , Aug 19, 1977.
    1885- Ruth Bryan Owen Rohde birthday, a remarkable woman from Florida - U.S. statesperson. RBOR was a former United States Ambassador to Denmark ; member of the House of Representatives from 1929-1933, and first woman elected from the deep South ( Florida ). Her accomplishments as U.S. Representative include the farsighted proposals to designate the Florida Everglades as a national park and to establish a cabinet-level department to oversee the health and welfare of families and children. She lost her reelection in 1932 because she favored prohibition - although later she voted for its repeal because that was what her constituents wanted. Rohde was appointed U.S. Minister to Denmark in 1933 by President Franklin D. Roosevelt. She resigned from the foreign service (1936) to marry a second time, a Danish citizen. Her marriage to a Dane gave her duel citizenship according to Danish law and an impossible conflict as a U.S. ambassador. President Harry Truman appointed her alternate U.S. delegate (1949) to the U.N. General Assembly where she chaired the executive committee of the UN Speakers Research Committee. RBOR received the Distinguished Service Medal from King Frederik of Denmark (1954). RBOR authored six books. Politically, she is best known, however for the grueling 10,000 mile campaign up and down the coast of Florida in her winning campaign for the Fourth District Congressional seat in 1928. After she won election, her opponents challenged her by claiming that she had forfeited her American citizenship under a law passed in 1907 when she married a British subject, Reginald Owen in 1910. The 1922 Cable Act, one of a series to right the wrongs of the 1907 law, enabled her to be renaturalized, but her opponents claimed it did not meet the seven year PRIOR citizenship requirement for a congressional representative. The 1907 law stripped a native-born U.S. woman of her citizenship if she married a citizen of another nation. No such outrageous actions were taken against men who married foreign women - in fact, their marriage conferred U.S. citizenship on their wives! The House ethics committee allowed her to be seated after an emotional appeal and a LOGICAL one. She was, after all, BORN an American. Her case focused national attention on the grossly unfair laws affecting women. The law had been changed but even such people as heiress Barbara Hutton and renowned news correspondent Dorothy Thompson had lost their citizenship because of the appalling law and were unable to regain it because there was no retroactive elimination. By the way, Rohde was the eldest daughter of William Jennings Bryan, noted U.S. political figure and a candidate for the presidency. A daughter but not his clone. While serving as U.S. Representative, she astonished pundits by voting for tariffs on imports, a policy her father had vehemently opposed.
    1895-Birthday of comedian Bud Abbott Asbury Park, NJ
    1928 – African-American DeFord Bailey cut eight masters at Victor Records Studios in Nashville . Three songs were issued, marking the first studio recording sessions in the place now known as Music City , USA . On December 6, 1925, DeFord won second place with his rendition of "It Ain't Gonna Rain No More" in a French harp contest on radio station WDAD. Soon after, Bailey made his first appearance on WSM Radio, after overcoming some racial opposition from the station's director. The young black performer was given the title "Harmonica Wizard." Bailey played a role in the naming of the "Grand Ole Opry." In 1926, the WSM Barn Dance followed an hour of symphonic music, and one evening its programming concluded with a selection by a young composer from Iowa reproducing the sound of a train. Bailey opened the country music program with his rendition of "Pan American Blues." The difference in the musical genres caused the director, George D. "Judge" Hay, to observe, "For the past hour we have been listening to music taken largely from grand opera; from now on we will present 'The Grand Ole Opry.'" Bailey toured with other stars of the Opry, including Roy Acuff, Uncle Dave Macon, Bill Monroe, and others. During his travels throughout the South in the 1930s, he was well received by the country music public, although racial segregation laws caused Bailey problems in hotels and restaurants. To get a hotel room, on some occasions either he posed as a baggage boy for the white performers or pretended to be Uncle Dave Macon's valet. In April of 1927, Bailey teamed with the black Golden Echo Quartet to make his first recordings of "Pan American Express" and "Hesitation" for Columbia Records in Atlanta . The Columbia recordings were never released. Two weeks later he recorded eight titles for Brunswick label in New York . On October 2, 1928, DeFord recorded for Victor records during a Nashville session. "Ice Water Blues/Davidson County Blues" became so popular that the Victor label released it three times.
http://www.tnstate.edu/library/digital/bailey.htm
    1928-Birthday of George “Spanky” McFarland actor.
http://www.classicmoviekids.com/mcfarland.htm
http://us.imdb.com/Name?McFarland,+George+'Spanky
    1929-October 2, Guitarist Howard Roberts Birthday
http://www.riffinteractive.com/expguitar/HowardRoberts1.htm
    1929- birthday of Moses Gunn.. The 1981 winner of the NAACP Image Award for his performance as Booker T. Washington in the film Ragtime was born at St. Louis , MO. His appearances on stage ranged from the title role in Othello to Jean Genet's The Blacks. He received an Emmy nomination for his role inRoots and was awarded several Obies for off-Broadway performances. On film he appeared in Shaft andThe Great White Hope. He died Dec 17, 1993, at Guilford , CT.
    1929 - "The National Farm and Home Hour", which gave rural Americans information about farm products, growing crops, farm animal care and useful household tips, debuted on NBC radio. "The Stars and Stripes Forever" opened the show. Don Ameche and Raymond Edward Johnson were featured, along with music and entertainment by The Cadets male quartet, Jack Baus and The Cornbusters and Mirandy of Persimmons Holler. "The National Farm and Home Hour" was sponsored by Montgomery Ward (or, Monkey Ward's, as we used to call it).
    1933 - "Red Adams" was heard for the first time on NBC radio. Later, the program was retiled, "Red Davis" (starring Burgess Meredith), "Forever Young" and, finally, "Pepper Young's Family" (starring Mason Adams). Radio listeners kept listening through all the changes until 1959.
    1932-Birthday of former baseball manager and player Maurice Morning “Maury” Wills, born Washington , DC.1935-Birthday of Robert H. Lawrence, Jr. He was named the first black astronaut when he was selected by the Air Force for space flight training in 1966. Born in 1935 on Chicago 's South Side, Lawrence graduated from Englewood High School and earned a B.S in chemistry from Bradley University in 1956. He joined the Air Force and completed a doctorate in physical chemistry at Ohio State University . He died in a plane crash on Dec. 8, 1967, at Edwards Air Force Base in California before the start of his space mission. On August 30, 1983, Guion (Guy) S. Bluford, Jr. became the first black American astronaut to make a space flight. Robert H. Lawrence School in Chicago 's Jeffrey Manor neighborhood is named in his memory . 966. Born, Jr.
http://stargate.1usa.com/stamps/articles/artic006.htm
    1937 - Ronald Reagan, just 26 years old, made his acting debut with the Warner Brothers release of "Love is in the Air".
    1939 - "Flying Home" was recorded by Benny Goodman and his six-man-band -- for Columbia Records. It became his “signature” tune. He had two black musicians, Teddy Wilson on piano and Lionel Hampton on vibraphone. Goodman was the first to break the white-black musician barrier in the early 1930's and the first major band and group to include both black and white musicians playing together, especially in lead positions.
    1945-Birthday of singer/songwriter Don McLean, New Rochelle , NY .
http://www.don-mclean.com/
http://rupertsrecords.tripod.com/intro.htm
    1946-Birthday of singer Freddie Jackson, Harlem , NY .
http://www.delafont.com/music_acts/freddie-jackson.htm
    1946-Birthday of accordion player Jo-EL Sonner, Rayne , LA
http://www.texas-sounds.com/artists/joelsonnier/joelsonnier.htm
http://www.louisianamusicfactory.com/showoneprod.asp?ProductID=185
1947- Yogi Berra becomes first to pinch hit a world series homer.
http://www.sportingnews.com/archives/worldseries/1947.html
http://rinkworks.com/said/yogiberra.shtml
    1948- Donna Karan born Forest Hills , NY - U.S. fashion designer, responsible for the Murphy Brown look - the mix and match wear in soft fabrics in muted colors that allowed an active woman to move comfortably and stay neat all day. She had two terms as chief designer for the Anne Klein line before breaking off to form her own line. Her first stock offering topped $160 million.
http://www.hkbu.edu.hk/~samho/bba/chan-joa/designer.htm
http://aolsvc.aol.teachervision.fen.com/ipa/A0762321.html
http://www.donnakaran.com/
    1949 - “Hennnnnnreeeeee! Henry Aldrich!” “Coming, Mother!” The popular radio program, "The Aldrich Family", became one of TV's first hits, as the longtime radio show appeared on NBC-TV for the first time. In addition to being a successful radio transplant, "The Aldrich Family" scored another distinction -- being the very first TV sitcom (situation comedy).
    1950—Top Hits
Goodnight Irene - The Weavers
La Vie En Rose - Tony Martin
All My Love - Patti Page
Goodnight Irene - Red Foley-Ernest Tubb
    1950-*WATKINS, TRAVIS E. Medal of Honor
Rank and organization: Master Sergeant, U.S. Army, Company H, 9th Infantry Regiment, 2d Infantry Division Place and date: Near Yongsan, Korea, 31 August through 3 September 1950. Entered service at: Texas. Birth: Waldo, Ark. G.O. No.: 9, 16 February 1951. Citation: M/Sgt. Watkins distinguished himself by conspicuous gallantry and intrepidity above and beyond the call of duty in action against the enemy. When an overwhelming enemy force broke through and isolated 30 men of his unit, he took command, established a perimeter defense and directed action which repelled continuous, fanatical enemy assaults. With his group completely surrounded and cut off, he moved from foxhole to foxhole exposing himself to enemy fire, giving instructions and offering encouragement to his men. Later when the need for ammunition and grenades became critical he shot 2 enemy soldiers 50 yards outside the perimeter and went out alone for their ammunition and weapons. As he picked up their weapons he was attacked by 3 others and wounded. Returning their fire he killed all 3 and gathering up the weapons of the 5 enemy dead returned to his amazed comrades. During a later assault, 6 enemy soldiers gained a defiladed spot and began to throw grenades into the perimeter making it untenable. Realizing the desperate situation and disregarding his wound he rose from his foxhole to engage them with rifle fire. Although immediately hit by a burst from an enemy machine gun he continued to fire until he had killed the grenade throwers. With this threat eliminated he collapsed and despite being paralyzed from the waist down, encouraged his men to hold on. He refused all food, saving it for his comrades, and when it became apparent that help would not arrive in time to hold the position ordered his men to escape to friendly lines. Refusing evacuation as his hopeless condition would burden his comrades, he remained in his position and cheerfully wished them luck. Through his aggressive leadership and intrepid actions, this small force destroyed nearly 500 of the enemy before abandoning their position. M/Sgt. Watkins' sustained personal bravery and noble self-sacrifice reflect the highest glory upon himself and is in keeping with the esteemed traditions of the U.S. Army.
    1950- This comic strip featured Charlie Brown, Lucy, Linus, Sally, Peppermint Patty and Charlie's dog Snoopy. The last new Peanuts strip was published Feb 13, 2000.
    1950- "Lux Video Theater," James Mason, Otto Kruger and Gordon MacRae hosted this half-hour dramatic anthology series that aired for seven years on both CBS and NBC. Its famed guest stars included: Robert Stack in "Inside Story" (1951); Peter Lorre in "The Taste" (1952); Grace Kelly in "A Message for Janice" (1952); Edward G. Robinson in "Witness for the Prosecution" (1953) and Esther Williams in "The Armed Venus" (1957).     1953- Brooklyn Dodger Carl Erskine strikes out 14 Yankees in the 50 th World Series.
http://www.baseball-almanac.com/players/player.php?p=erskica01
    1954- "The Jimmy Durante Show" premiered on TV. Affectionately known as "The Schnozz," Durante hosted a Saturday night variety show with his former vaudeville partner, Eddie Jackson, pianist Jules Baffano and drummer Jack Roth. It alternated with "The Donald O'Connor Show" on NBC and aired for two years.
    1954-“The George Gobel Show” premiers on TV. George Gobel hosted this comedy-variety show for five years on NBC. Chanteuse Peggy King and Jeff Donnell were also on the show, with Eddie Fisher as “permanent guest star.” In 1959 Gobel switched networks to CBS and appeared for a year with Joe Flynn, Anita Bryant and Harry von Zell. He played Las Vegas , Nevada very often.
    1955- "Alfred Hitchcock Presents" premiered on TV.. Alfred Hitchcock was already an acclaimed director when he began hosting this mystery anthology series that aired on CBS and NBC for 10 years. Each episode began with an introduction by Hitchcock, the man with the world's most recognized profile. Hitchcock directed about 22 episodes of the series. Robert Altman was also a director for the series. Among the many stars who appeared on the show are: Barbara Bel Geddes, Brian Keith, Gena Rowlands, Dick York, Claris Leachman, Joanne Woodward, Steve McQueen, Peter Lorre, Dick Van Dyke, Robert Redford and Katherine Ross.
    1958—Top Hits
It's All in the Game - Tommy Edwards
Rock-in Robin - Bobby Day
Tears on My Pillow - Little Anthony & The Imperials
Bird Dog - The Everly Brothers
    1959- "The Twilight Zone" went on the air with these now-familiar words: "There is a fifth dimension, beyond that which is known to man. It is a dimension as vast as space and as timeless as infinity. It is the middle ground between light and shadow, between science and superstition, and it lies between the pit of man's fear and the summit of his knowledge. This is the dimension of imagination. It is an area which we call ‘ The Twilight Zone'." The anthology program ran five seasons for 154 installments, with a one-year hiatus between the third and fourth seasons. It now is considered to have been one of the best dramas to appear on television. It was created and hosted by Rod Sterling . He lived down the street from us in the Pacific Palisades. My father Lawrence Menkin wrote several of the episodes. He used to give Rod Sterling a hard time, calling him a "hog" for writing most of them. Sterling would get a kick out of this from my father who was six foot four and Sterling was thin and about five foot four tall. The last episode was telecast on Sept 31, 1965. 1961- Robbie Nevil rocker
http://www.radio101.it/soul/arnvl.html
http://www.robbienevil.com/
    1961 “Ben Casey” premieres on television, competing with Dr. Kildare, starring Richard Chamberlain . The second year, it overtook Dr. Kildare in ratings, running for five years and 153 episodes starring Vince Edwards as Dr. Ben Casey, Sam Jaffe as Dr. David Zorba, Franchot Tone as Dr. Freeland and Bettie Ackerman as Dr. Maggie Graham. He was a friend of my father's very good friend and actor ( can't remember his name right now), who found himself “typecast” as an actor, tried singing, and had gone from nobody to a great TV star, and then back to a “nobody,” he felt; brooding about it, almost obsessed, as I remember. He died of cancer March 12, 1996
http://timvp.com/bencasey.html
http://www.meninmovies.com/vince_edwards.html
    1962- Frank Sinatra records with Count Basie, Los Angeles , Reprise Records FS 1008
    1963---Birthday of American composer Steve Markowitz, Santa Monica, CA.
    1965- Pope Paul VI named the Very Reverend Bishop Harold Robert Perry of Lake Charles , LA , as the auxiliary bishop of the Archdiocese of New Orleans. He was the very first Catholic bishop who was an African-American . He was consecrated in the Basilica of St. Louis, New Orleans , LA , on January 6, 1966, and was the pastor of the New Orleans Parish of St. Theresa of the Child of Jesus, Society of the Divine Word.
    1965 - The McCoys' "Hang on Sloopy" hit #1 in the U.S. The song snuck in at number one for one week, between "Eve of Destruction", by Barry McGuire and "Yesterday", by The Beatles.
    1966--A New Jersey quartet called The Happenings saw their first Billboard chart entry "See You In September" peak at #3.
    1966-Top Hits
Cherish - The Association
Beauty is Only Skin Deep - The Temptations
Black is Black - Los Bravos
Almost Persuaded - David Houston
    1966 - Sandy Koufax, in great pain from an arthritic elbow, won 27 games and, for the third time in four years, led the Los Angeles Dodgers to the National League pennant. However, the Baltimore Orioles swept the Dodgers 4-0 in the World Series that year.
    1967- Thurgood Marshall, appointed by President Lyndon B. Johnson, was sworn in as associate justice of the U.S. Supreme Court. Marshall was the first black Supreme Court justice and served until his retirement on June 27, 1991, at the age of 82. He had served in the U.S. Second Circuit Court of Appeals (1961-1965) and as U.S. Solicitor General (1965-1967). Justice Marshall died on January 24, 1993.
1930 Mr. Marshall graduates with honors from Lincoln U. (cum laude)
1933 Receives law degree from Howard U. (magna cum laude); begins private practice in Baltimore
1934 Begins to work for Baltimore branch of NAACP
1935 With Charles Houston, wins first major civil rights case, Murray v. Pearson
1936 Becomes assistant special counsel for NAACP in New York
1940 Wins first of 29 Supreme Court victories (Chambers v. Florida )
1944 Successfully argues Smith v. Allwright, overthrowing the South's "white primary"
1948 Wins Shelley v. Kraemer, in which Supreme Court strikes down legality of racially restrictive covenants
1950 Wins Supreme Court victories in two graduate-school integration cases, Sweatt v. Painter and McLaurin v. Oklahoma State Regents
1951 Visits South Korea and Japan to investigate charges of racism in U.S. armed forces. He reported that the general practice was one of "rigid segregation".
1954 Wins Brown v. Board of Education of Topeka, landmark case that demolishes legal basis for segregation in America
1961 Defends civil rights demonstrators, winning Supreme Circuit Court victory in Garner v. Louisiana ; nominated to Second Court of Appeals by President J.F. Kennedy
1961 Appointed circuit judge, makes 112 rulings, all of them later upheld by Supreme Court (1961-1965)
1965 Appointed U.S. solicitor general by President Lyndon Johnson; wins 14 of the 19 cases he argues for the government (1965-1967)
http://memory.loc.gov/ammem/today/oct02.html
http://chnm.gmu.edu/courses/122/hill/marshall.htm
    1968- Bob Gibson of the St. Louis Cardinals struck out 17 Detroit Tigers, a record, in the first game of the World Series. The Tigers recovered to win the Series in seven games.
    1968-Redwood National Park established.
    1968--After a two week absence, Ringo Starr rejoins The Beatles. He had quit the band when he found out that Paul McCartney had been erasing drum tracks and replacing them with his own. Upon Ringo's return to the studio, he found his drum kit covered with flowers to welcome him back.
    1974-Top Hits
Rock Me Gently - Andy Kim
I Honestly Love You - Olivia Newton-John
Nothing from Nothing - Billy Preston
I'm a Ramblin' Man - Waylon Jennings
    1975-W.T.Grant files for bankrupcy. After a year of desperately trying to revive its flagging fortunes, the once-mighty retailer W.T. Grant filed for bankruptcy on this day. Seeds of the company's collapse were planted in the mid-1960s, when management embarked on an ambitious growth program. The company decided to open a fleet of new stores and, after five years of rapid expansion, 410 super-sized Grant outlets had been built around the country. At the same time, Grant, which had traditionally stocked mainly inexpensive products, began to offer more of the pricier items usually sold at department stores. Unfortunately, the retail makeover only served to alienate Grant's clientele, who had relied on the stores for cheap goods. When a recession hit in 1974, the company was left with little in the way of customers or earnings. At the time it went belly-up, W.T. Grant was saddled with over $1 billion in debt, making it the nation's single biggest retailing failure.
    1977- When Dusty Baker hits his 30th homer of the season against the Astros' J.R. Richard, the Dodgers become the first team in major league history to have four players hit 30 or more home runs. He joins with Steve Garvey (33), Reggie Smith (32) and Ron Cey (30) to complete the foursome.
    1980- Larry Holmes retains WBC heavyweight title defeating Muhammad Ali
    1981--The Techno-Pop duo of Marc Almond and David Ball, who call themselves Soft Cell, perform their current UK #1 hit "Tainted Love" on Top Of The Pops. In the US, the tune will reach #8 and spend a total of 43 weeks on the charts.
    1982---Top Hits
Jack & Diane - John Cougar
Eye in the Sky - The Alan Parsons Project
Somebody's Baby - Jackson Browne
Put Your Dreams Away - Mickey Gilley
    1988 - The games of the XXIV Olympiad closed at Seoul , Korea . The Soviet Union topped the medals tally with 132 (55 gold) against 102 medals for East Germany (37 gold) and 94 for the United States (36 gold). The Olympics were also profitable, with a surplus of $288 million. And the Games helped open new avenues of foreign trade and commerce to the isolated, but burgeoning, South Korean economy.
    1990-Top Hits
(Can't Live Without Your) Love and Affection - Nelson
Close to You - Maxi Priest
Praying for Time - George Michael
Jukebox in My Mind - Alabama
    2001- Slugging Sammy Sosa becomes the first player in baseball history to slug 60 home runs in three seasons. The Cubs' outfielder connects off Reds starter Lance Davis to reach the milestone.
    2002- Former Diamondback Alex Cabrera slams his 55th home run to tie the Japanese single-season home run mark. The 31-year-old Seibu Lion joins Sadaharu Oh (1964) Tuffy Rhodes (2001) in the record book.

World Series This Date

1932 New York Yankees
1954 New York Giant

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