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

kitmenkin@leasingnews.org
   

 

 



Monday, September 30, 2013



Today's Equipment Leasing Headlines

NAELB Western Regional Conference Report
   by Brian Huey, Leasource
 Jeff Menzel, son of Paul Menzel, CLP
  
Brings Home the Gold
    Classified Ads---Sales
The Growth of Business Loans by Private Lenders
 by Christopher Menkin
  Placard---Cash Flow is King
   Leasource Financial Services, Inc. joins
    "Broker/Lessor" List "A"
 “How to Attend a Job Fair”
   Career Crossroad---By Emily Fitzpatrick/RII
    Classified Ads---Help Wanted
 Leasing 102 by Mr. Terry Winders, CLP
  Return to tax motivated leases
   CLP Foundation New Web Site
    www.clpfoundation.org
  Dear Optimist Notice
   Bank Branch deals decline,
    leaving community banks behind
     By Kiah Lau Haslett and Stephanie Deck
      Top Stories September 24--September 26
       (You May Have Missed One)
        Countries With The Most Immigrants
         By Alexander E.M. Hess and Thomas C. Frohlich
       Classified ads—
        Collector/Collections/Consultant/Communications
      German Shepherd/Labrador Retriever Mix
       Irvine, California Adopt-a-Dog
News Briefs---
 Bank Internal Auditors Warned About Lending Risks
  American AgCredit grows by lending to farms
   More than 50 People Indicted in Massive Fraud Ring

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.


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


[headlines]

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NAELB Western Regional Conference Report
  by Brian Huey, Leasource


 

The National Association of Equipment Leasing Brokers (NAELB) held their Western Regional Meeting at the Hyatt Regency, Irvine, California on 27 and 28.

141 members turned out for the food, fun, networking and education; 78 were funder representatives, 58 leasing brokers and 7 associate members with a smashing 58 exhibitors.

The Certified Leasing Professional Foundation proudly announced seven obtained and were awarded their CLP certification.

There were seven dynamic educational and informational workshop sessions spread out between networking breaks, lunch and Exhibits.
There was a session on LinkedIn for Leasing, lead by David Weiner,
The Alta Group. The room was packed.

"How to Market, Sell and Close Your Funding Source" dealt with the meat and potatoes of closing a deal. David Normandin, CLP from PacTrust Bank moderated a lively discussion that centered on how originators (brokers) and lease administrators (funders) interact. It became clear that personal relationships are as important as ever to maximize a positive result, to provide dynamic solution for their mutual customer, the lessee or borrower. Also participating on the panel were Stephanie Hall of Bryn Mawr Funding and Mae Philpott of Maxim Commercial Capital, LLC

Saturday was topped off with a very interesting session called Working With Community Banks. The best part about this workshop was that the presenting bankers passed on their wisdom to leasing brokers who are always hungry for more portals to place good business. Presenters were Archie Julian from Exchange Bank Leasing, Gary Staring, Mechanics Bank and Steve Tidland, Commerce National Bank.

Full Conference Report by Brian H
uey (6 pages)

 

 

 

[headlines]
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Jeff Menzel, son of Paul Menzel, CLP,
Brings Home the Gold


Jeff Menzel

Jeff Menzel is a member of the 2013 U.S. Men's National Volleyball team.

The U.S. team won the NORECA Continental Championship for the first time since 2007 when it defeated Canada, 3-0 on Saturday.


(Jeff Menzel #14, first row, fourth from left)

After an All-American career at Santa Barbara Menzel has competed internationally since 2011 for Team USA.

The U.S. Men finished the tournament 4-0 and qualified for the FIVB Grand Champions Cup in November in Japan.

The NORECA tournament is considered second only to the Olypmics in importance for the USA volleyball team.


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Classified Ads---Sales

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



Boston, Mass.
Accomplished Sales & Relationship Management Professional with business development experience in the financial services industry. Recognized by market leaders as industry expert in Professional Practice financing, as well as Residential Mortgage Lending. Keen insight and understanding of transaction process and financial requirements of customer. Proven record of exceeding sales goals. deb.harold@hotmail.com

Central Coast of California
, equipment financing sales, 25 years B2B small business sales, business development, vendor and program management, 10 years in broker business as owner, seeks opportunity to cover Ventura, Santa Barbara, San Luis Obispo, Monterey, Kern and Fresno Counties or larger Western Region – experience with most equipment applications, travel welcomed. 
Joe Friedling Paso Robles, CA joe@pecusainc.com 1-888-606-7300
Montgomery, AL
Individual with 10 years advertising sales exp. & 7 years insurance sales exp. Wants independent contractor situation in Alabama.
Work with leasing company or broker. 334-590-5133
E-mail: billmcneal2003@yahoo.com



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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The Growth of Business Loans by Private Lenders
by Christopher Menkin


As "PayDay" loans have grown in the consumer sector, private lenders have stepped into the under $100,000 business loan category, filling in where factoring invoices do not fit, but cash flow, equipment, inventory, and other needs by business for growth are in demand. The rate appears secondary as the business realizes if it can make a profit much higher than the cost of capital, additional capital then becomes quite necessary not only for survival, but for growth.

Two of the latest are World Business Lenders and Braintree. While the names may not be appealing, what they can provide is. In Braintree's instance, PayPal announced last week they will be buying the company $800 million to primarily strengthen its PayPal unit presence on mobile devices as well as take out a rapidly growing rival. It's parent EBay reports that 40 percent of its revenue last year came from PayPal.

Braintree, whose clients include online hotel booking service Airbnb and online restaurant booking service OpenTable Inc., expects to process about $12 billion in payment volume this year. It also provides merchant accounts, payment gateway, billing and credit card storage.

PayPal recently started PayPal Working Capital, aimed primarily for qualified existing PayPal merchant customers, and most likely Braintree customers, too. According to PCWorld:

"The cost of the loan depends on the amount borrowed (generally, up to 8 percent of total annual sales processed by PayPal in the last year), the percentage of sales receipts dedicated to paying the loan (between 10 percent and 30 percent), and the merchant’s PayPal track record.


"The higher the percentage of sales the merchant is willing to allocate to paying back the loan, the lower the overall fee. In PayPal’s published example, for a business with $100,000 in annual sales that borrows the maximum, $8,000, the loan fee varies from $947 if the business opts to dedicate 10 percent of sales receipts to paying down the loan, to $281 for a business that dedicates 30 percent of its sales receipts to paying back the loan.

"No credit check is involved, so the merchant’s credit rating isn’t adversely affected by the loan. PayPal says loan application approval can take as little as five minutes. PayPal wouldn’t say how many merchants are actually eligible for the initial program, which runs through the end of the year.

"PayPal will continue to collect its usual transaction fees from participating merchants, who must continue to use the service to process payments until the loan is paid off. PayPal will calculate the loan payment at the end of each business day, and withdraw the funds the following day."

The higher the percentage of sales the merchant is willing to allocate to paying back the loan, the lower the overall fee. In PayPal’s published example, for a business with $100,000 in annual sales that borrows the maximum, $8,000, the loan fee varies from $947 if the business opts to dedicate 10 percent of sales receipts to paying down the loan, to $281 for a business that dedicates 30 percent of its sales receipts to paying back the loan."
http//www.pcworld.com/article/2049900/paypal-launches-small-business-loan-program.html

PayPal Working Capital Web site:
https://www.paypal.com/webapps/workingcapital/



New to the scene is World Business Lenders, based in Dubai, United Arab Emirates, headed by senior executives of Deutsche Bank, Goldman Sachs, and a who's who in international banking.

"WBL provides short-term and flexible commercial loans for a range of operational needs. Typically, our clients choose to finance temporary dips in cash flow, invest in new equipment, or make time sensitive inventory purchases. As a private lender, WBL invests in projects that institutional banks may shy away from. Because we are not a broker, we stand behind every loan from start to finish."
https://www.wbl.com/

Where they Lend in the United States



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

[headlines]
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joins
"Broker/Lessor" List "A"

Leasource Financial 
Services, Inc.

Folsom, California 
Tom Cadle, CLP/Erin Fackler
800-991-0099 
tcadle@leasource.com / erin@leasource.com 
www.leasource.com/ 
NAELB
1984
Nationwide
(Municipal & Commercial 
Transactions)
$20,000
no maximum
Y
N
Y
N
N

A - City Business License | B- State License | C - Certified Leasing Professional |D - State(s) sales/use tax license | E - Named as "lessor" on 50% or more of lease contract signed. |

Specialty

  • Leasource funds Municipal, Federal and Commercial transactions nationally, supported by very competitive finance programs.
  • Municipal Finance is our specialty offering both Lease Purchase structures and Public Offerings (Certificates of Participation).
  • Our most valuable asset is our broad network of financial relationships developed over nearly three decades.

Who do we work with:

  • Lease companies
  • Equipment vendors
  • Government clients who need to finance equipment or major projects
  • Business clients

 

Full List: "Broker/Lessor" List "A"
http://www.leasingnews.org/Brokers/broker_Lessor.htm






[headlines]
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How to Attend a Job Fair”
Career Crossroad---By Emily Fitzpatrick/RII


Question: I am attending a Job Fair next week. Do you have any suggestions on how to prepare?

Answer: Unless you are new to the industry or have only been in the industry less than a handful of years, do not expect an employment opportunity to come to fruition – this is a very niche industry. Most Job Fairs are for positions that are general in nature (employers are typically not looking for industry-specific expertise) and are aimed at administrative and technical people up to middle management. However, you have nothing to lose by attending e.g.; you will gain knowledge of current interview processes. I can’t emphasize enough what you can learn on how to react and behave by experienced several interviews, almost like practicing a part for a play.

Job Fairs are occasions where local or regional companies that are actively hiring get together to attract large numbers of potential Candidates. Typically, there is an exhibit hall and formal group presentations by employers. If a company is of interest to you, approach the speaker(s) when the crowd dissipates to emphasis your skills and gather more information.

Bring with you:

  1. “Calling Card” (They are inexpensive, I see specials on business cards often on the internet.
  2. Resumes (multiple)
  3. Folio with area for notes

Your objectives should be to:

  1. Visit every booth and speak to someone at every booth
    (Again, a very good practice!)
  2. Collect business cards and company materials
  3. Arrange times and dates to follow up with each employer
  4. Dress professionally – I keep saying this and continue to be surprised when the advice is not followed. One fellow even showed up in his knee shorts, as if on vacation. First impressions are everything - your personal presentation should be stellar. Shoes shined. Nails clean. Women—no short skirts. You know what I mean.

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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Classified Ads---Help Wanted

 

 


Software Programmer
Fort Collins, Colorado


SQL & .Net programmer for Vision Commerce
Platform, Min. 2yr. exp.,Bachelor’s degree
---or Course Work in related field
Click here for more information

www.pawneeleasing.com
-Est. 1982, specializing in the under $75,000
marketplace to smaller, closely-held businesses--

 

 

5 positions available in our Calabasas office:
Account Executives (2), Funding Coordinator
Credit Analyst, Marketing Administrator

Generous Compensation Packages including benefits.
www.TEQlease.com/careers

 




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.

[headlines]
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Leasing 102
by Mr. Terry Winders, CLP



Return to tax motivated leases

Many lessors are expecting leases that are referred to as tax leases to make a comeback. The accounting rules that established the operating lease classification has dominated lessee thinking since 1986. Operating leases where popular for two reasons:

  1. Off balance sheet treatment of the lease. This may change, depending on several factors, still under consideration.

  2. Rent expense was allowed to be expensed as the lease payments were made. An irregular use of the equipment or an irregular cash flow made the ability to show the expense in the accounting period it occurred very popular. Now it appears the new proposed accounting requirements will straight line all lease expense making it hard to match expense to use, except for term.

Leases that meet the requirements of the Internal Revenue Service (IRS) are called tax leases and use the value of accelerated capital recovered benefits (depreciation – MACRS) to lower the lessees lease payments. The big difference between a bargain purchase option lease and a qualified tax lease is the manner in which revenue and expense is recorded for tax treatment. In a tax lease the lessor must record all lease payments as income and the offsetting expense for taxes is the MACRS depreciation. If the depreciation is higher than the lease payments, the lessor can save taxes due on other income.

A bargain purchase option lease does not qualify as a tax lease so the lessor must compute the interest income for income tax with no offsetting expense other than normal operating expenses.

A tax lease allows the lessee to expense the lease payments as an expense as it is paid. Therefore, irregular payments mean an irregular tax expense. This allows the lessee to adjust the rent expense so that it matches the use of the equipment so if the MACRS is five years on the equipment, but the lease is three years it allows the lessee to expense it over the three year lease instead of five years as they would have to with a bargain purchase option.

A lot of lessees prefer to match the equipment expense to the term of use and the irregular nature of the cash flow from that use. Leases that follow the IRS rules can give this advantage. This type of lease has two concerns. An irregular rental that follows the use means the rent income to the lessor is irregular. The MACRS depreciation is set in stone so the expense is set but the rental income is irregular. Therefore the value of the difference between revenue and depreciation for income tax will change depending on the structure of the lease.

Computer based pricing is a necessary tool to have when determining the return from a tax lease to the lessor. In addition the tax depreciation is different than the straight line book depreciation so early terminations require a precise termination value after taking into account the reconciliation of both tax and book requirements.

In addition the requirements to have a qualified tax lease means we must follow the rules. The rules attempt to distinguish between true leases, in which the lessor owns the property for tax purposes, and conditional sales or financing arrangements, in which the user of the property owns the property for tax purposes. These rules generally are not written in the Internal Revenue Code. Instead, they evolved over the years through a series of court cases and revenue rulings and revenue procedures issues by the Internal Revenue Service. Essentially, the law is that the economic substance of a transaction, not its form, determines who the owner of property for tax purposes is. Thus, if a transaction is, in substance, simply a financing arrangement, it is treated that way for tax purposes, regardless of how the parties choose to characterize it.

The main requirements are that the lease cannot exceed 80% of the equipment’s useful life, The purchase option cannot be a bargain, the total rent paid by the lessee cannot be equal to an amount necessary to obtain title like in a financing arrangements, and the burden of proof lies with the tax payer.

Tax leasing is very different than leases intended as a security and takes a lot of effort to learn how to handle it and present the benefits to a potential lessee. In addition it takes a funder with a tax appetite.

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)  

 

[headlines]
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CLP Foundation Launches Redesigned Web Site
www.clpfoundation.org



The Certified Leasing Professional Website has been upgraded with features, interviews, upcoming events, recent blog posts and their Facebook page.

The search for "members in good standing" is now by company, as well as can be searched by name; and you can send an email message. It lists 191 members.

CLP's by Name
http://www.clpfoundation.org/clps.php

CLP's by Company
http://www.clpfoundation.org/Default.aspx?pageId=1691934

List of Companies with two or more members:

1. Financial Pacific Leasing – 18
2. First American Equipment Finance – 10
3. Orion First Financial – 7
4. Arvest Equipment Finance – 5
5. Commerce National Bank – 5
6. Great American Insurance – 5
7. Ascentium Capital LLC – 5
8. Bank of the West – 4
9. ECS Financial Services – 4
10. First Star Capital – 4
11. Innovative Lease Services, Inc. – 4
12. Maxim Commercial Capital – 4
13. FSG Leasing - 3
14. LeaseTeam-3
15. Pacifica Capital - 3
16. PacTrust Bank - 3
17. Affiliated Investment Group- 2
18. Allegiant Partners- 2
19. Cannon Financial Services-2
20. Clearview Financial
21. FSG Leasing Inc.- 2
22. GO Capital- 2
23. Padco Financial Services- 2
24. Pinnacle Business Finance- 2
25. Portfolio Financial Servicing- 2

Why I Became a CLP series:
http://www.leasingnews.org/CLP/Index.htm


5 positions available in our Calabasas office:
Account Executives (2), Funding Coordinator
Credit Analyst, Marketing Administrator

Generous Compensation Packages including benefits.
www.TEQlease.com/careers

 

[headlines]
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[headlines]
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Bank Branch deals decline, leaving community banks behind
By Kiah Lau Haslett and Stephanie Deck
A SNL Financial Feature Story



Following a surge in recent years, branch deals have declined in 2013 as would-be sellers consolidate and close locations rather than sell.

Branch deals became one tool that banks, especially money center Bank of America Corp., used to control expenses by focusing growth on strategic markets and exiting noncore ones. But the number of deals has lagged in 2013 and the aggregate amount of physical locations and deposits transferred declined from previous years. At the current rate of deals, 2013 will close about 79 acquisitions, behind 2012 and 2011 and on pace with 2010. One reason is that banks no longer want to shrink their footprints or size and may instead want to consolidate branches rather than sell them and move customer relationships to another bank. Some banks also are not interested in engaging in a branch deal unless significant volume is involved, precluding community banks that would be otherwise interested in picking up a location or two, according to an investment banker who works with community banks in the Midwest.


Following a surge in recent years, branch deals have declined in 2013 as would-be sellers consolidate and close locations rather than sell.

Branch deals became one tool that banks, especially money center Bank of America Corp., used to control expenses by focusing growth on strategic markets and exiting noncore ones. But the number of deals has lagged in 2013 and the aggregate amount of physical locations and deposits transferred declined from previous years. At the current rate of deals, 2013 will close about 79 acquisitions, behind 2012 and 2011 and on pace with 2010. One reason is that banks no longer want to shrink their footprints or size and may instead want to consolidate branches rather than sell them and move customer relationships to another bank. Some banks also are not interested in engaging in a branch deal unless significant volume is involved, precluding community banks that would be otherwise interested in picking up a location or two, according to an investment banker who works with community banks in the Midwest.

The lack of branch deals could force community banks into the arms of each other, or at least, a nearby competitor in a desirable market with complementary services and strengths. Renninger suggested what he called "merger of unequal’s" for banks that have illiquid stock that find themselves unable to acquire branches in markets where they would like to expand.


Bank of America leads SNL's sellers list for branch deals, and acquirers of its locations lead SNL's buyers list. The continued divestment of 178 branches since March 2012, with 118 locations in six deals in 2013, is part of its expense reduction program called "Project New BAC" and has been accompanied by staff cuts. The bank is planning on reducing its branch count by 750 in total.

Having turned mergers and acquisition into a line of business, Old National Bancorp prefers to do a whole bank deal but appreciates the distinct advantages of branch deals, said Jim Ryan, Old National's executive vice president and director of corporate development and strategy. Old National's deal for 24 Bank of America NA locations, announced Jan. 8, helped the bank rank second for acquisitions year-to-date, according to an SNL analysis. The deal included $778.8 million in deposits and $7.7 million in loans and closed in July.

Ryan said that typically, while whole-bank purchases are profitable more quickly, branch deals are still faster than a de novo expansion in the current environment. Branch deals recently have added mostly liabilities with few and select assets along with the deposits, but Ryan said the bank believes a core deposit franchise can be leveraged through hiring or retaining relationship managers to grow assets in new markets and is important to building a successful community bank. He added branch deals also send "a really good message" to the town the branches are located in because the announcements lack cost-saves through job cuts.

"It's really about investing: You don't have to worry about the messaging to explain the cost-saves traditionally associated with a whole bank deal," he said. "Our message is very positive to the folks in Michigan and northern Indiana, which was we want to invest in these markets and grow and expand them."

Buying branches also avoids duplicate infrastructure and allows a bank to handpick locations it is interested in entering or growing, as opposed to acquiring all locations in a whole-bank deal and taking on less-appealing ones, said William Mayer, a partner in Goodwin Procter LLP's Financial Services Group.

"You can be a lot more surgical by buying branches than you can by buying whole banks," he said.

He said banks will often choose to consolidate existing branches rather than selling if one has failed to gather enough deposits to justify the expense of keeping it open, allowing it to be a true expense reduction.


 


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Top Stories September 24--September 26
(You May Have Missed One)



Here are the top stories opened by readers:

(1)Umpqua Brings Commerce National, FinPac, Sterling Together
May Become Largest Broker Originated Operation
by Christopher Menkin
http://leasingnews.org/archives/Sep2013/9_26.htm#umpqua

(2) Correction: Purchase Money Security Interest (PMSI)
Leasing 102 by Mr. Terry Winders, CLP
http://leasingnews.org/archives/Sep2013/9_26.htm#correction

(3)Leasing 102 by Mr. Terry Winders, CLP
Purchase Money Security Interest (PMSI)
http://leasingnews.org/archives/Sep2013/9_24.htm#pmsi

(4) New Hires—Promotions
http://leasingnews.org/archives/Sep2013/9_26.htm#hires

(5) Padco Financial Services Joins Funders List "A"
Funders Looking for New Broker Business
Companies who notify lessee in advance of lease expiration
http://leasingnews.org/archives/Sep2013/9_26.htm#padc

(6) Lease Companies on the Stock Exchange
Monday Comparison to Last 52 Weeks
http://leasingnews.org/archives/Sep2013/9_24.htm#stock

(7) Archives---September 24, 2001
Certified Leasing Professional Web Site
http://leasingnews.org/archives/Sep2013/9_24.htm#archives

(8) “Position Filled---But Would Like to Work for this Company”
Career Crossroad---By Emily Fitzpatrick/RII
http://leasingnews.org/archives/Sep2013/9_24.htm#crossroad

(9) Canadian Leasing and Finance Industry Annual Conference
by Hugh Swandel, Managing Director – Canada The Alta Group
http://leasingnews.org/archives/Sep2013/9_24.htm#conference

(10) TD Bank to pay $90 million in U.S. settlements over Ponzi scheme
http://www.foxbusiness.com/news/2013/09/23/td-bank-to-pay-0-million-in-us-settlements-over-ponzi-scheme/

 

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

 

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Countries With The Most Immigrants
By Alexander E.M. Hess and Thomas C. Frohlich
247wallst.com



The United States has always been regarded as a nation of immigrants. Recently-published figures from the United Nations support this view. More than 45 million immigrants live in the U.S., according to UN figures, more than four times as many living in any other nation in the world.

Based on figures recently released by the UN’s Population Division, 24/7 Wall St. identified the eight nations with the highest total number of international migrants living inside their borders as of this year. These are the countries with the most immigrants (A key to look at is not just the number, but the percentage of the entire population).

8.
Canada
Immigrants: 7.3 million
Pct. of population: 20.7%
GDP (PPP) per capita 2012: $42,734
Gov’t immigration goals: Maintain

As 2011, the Canadian government was one of the few to propose policies that would increase the level of immigration for the purpose of family unification.

7.
France
Immigrants: 7.4 million
Pct. of population: 11.6%
GDP (PPP) per capita 2012: $35,548
Gov’t immigration goals: Decrease

France’s existing immigrant population is older, with nearly 20% at least 65 years of age, compared to just 11.1%

6.
United Kingdom
Immigrants: 7.8 million
Pct. of population: 12.4%
GDP (PPP) per capita 2012: $36,941
Gov’t immigration goals: Decrease

Although the country’s aging population may actually signal a necessity for more immigrants, British Prime Minister David Cameron has stated that immigration has strained the nation’s public services.

5.
United Arab Emirates
Immigrants: 7.8 million
Pct. of population: 83.7%
GDP (PPP) per capita 2012: $49,012
Gov’t immigration goals: Decrease

A stunning 83.7% of UAE residents are international migrants the most of any country in the world, excluding only Vatican City. Between 2010 and 2013, the emirates let in more than 4.5 million migrant workers, more than any other nation in the world. The UAE is able to attract workers to come there because the country is extremely wealthy, with an economy driven by oil and finance...the country has been criticized for the poor living and working conditions faced by many migrant workers.

4.
Saudi Arabia
Immigrants: 9.1 million
Pct. of population: 31.4%
GDP (PPP) per capita 2012: $31,275
Gov’t immigration goals: Decrease

Recent news reports suggest immigration policy in Saudi Arabia has only become more restrictive with new measures implemented to prevent undocumented workers from finding employment.

3.
Germany
Immigrants: 9.8 million
Pct. of population: 11.9%
GDP (PPP) per capita 2012: $39,028
Gov’t immigration goals: Maintain

Germany, one of the world’s largest economies, is a popular destination for immigrants. Its well-developed infrastructure and top-rate higher education only add to its attraction. In 2012, with the Eurozone crisis still unabated, a growing number of young workers immigrated from southern Europe to Germany. But Germany has openly recruited high skilled-workers to live and work in the country permanently, especially as the country’s population ages and shrinks, according to Der Spiegel. Unfortunately, many such workers fail to stay for even as little as a year, and since 2010 the number of immigrants to Germany has actually dropped.

2.
Russian Federation
Immigrants: 11.0 million
Pct. of population: 7.7%
GDP (PPP) per capita 2012: $17,709
Gov’t immigration goals: Increase

Local authorities have not embraced the prospect of single-ethnicity communities for Chinese, Uzbeks, Tajiks and other ethnic groups in Russia ,and have even sought to ban them in some cases, hoping instead to promote integration into Russian society.

1.
United States of America
Immigrants: 45.8 million
Pct. of population: 14.3%
GDP (PPP) per capita 2012: $49,922
Gov’t immigration goals: Maintain

The U.S. is by far the largest destination for immigrants, with more than 45.7 million living in the country, according to the N...Considering the U.S. has one the highest per capita GDPs in the world, at nearly $50,000, its appeal to immigrants is fairly straightforward. It is the world’s largest economy, as measured by output, and has the second largest total exports. Also, the U.S. offers well-developed infrastructure and financial markets, as well as quality education.

Full Story
http://247wallst.com/special-report/2013/09/25/countries-with-the-most-immigrants/2/


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

 

 

[headlines]
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Classified ads—
Collector / Collections / Consultant / Communications

Leasing Industry Outsourcing
(Providing Services and Products)

Collector: Atlanta, GA
Asset Recovery Specialist. We get your money or we get your > equipment back for you. Physical Asset Recovery Experts!
E-mail: mcrouse911@joimail.com
Collector: Cleveland, OH 
Huntley Capital & Associates is your solution to late payments, no payments, and asset recovery. Call 216-337-7075. 
Email: ghpatey@msn.com 
Collections: Dallas, Texas
Contingency Fee basis. Receivables Outsourcing. We are a fully bonded nationwide licensed agency. We collect for nationally known banks and leasing companies. 
800-886-8088.
Collector: Los Angeles, CA
Expert skiptracers covering Southern California. We locate skips, judgment debtors and collateral. When you can't get the job done in house, give us a call at
1-800-778-0794.
E-mail: ceo@interagencyLA.com
Collector: Louisville, KY
We are a full service collection agency with attorney network. 21 years experience. Please call Jon Floyd, VP at 1-800-264-6850 
email: jfloyd@collectcsg.com
Collector: Louisville, KY 
Euler Hermes/UMA 92 year old Global Receivables Outsourcing. Presence in 143 Countries. Work w/ 4 out of 5 Fortune 500 firms. Contingency Fee Structure.
20% off first time clients.!
Andrew.Newton@eulerhermes.com
1-800-237-9386 x 205.
Collector: Mandeville, MI
International commercial collection services all fees are on contingency on line access.
E-mail: rmelerine@collect-now.com 
www.drspay.com
www.collect-now.com 


Collector: Milwaukee, WI 
We specialize in ATM machine reposession and remarketing. We can get you top dollar for your inventory.
E-mail: bdperry1@yahoo.com 

Collector: Nationwide
End of lease negotiations & enforcement. Third-party collections. Skip-tracing. Background checks. Credit & asset investigations. 15+ years in leasing industry. Providing services to clients nationwide.
800-824-0234
johnkenny2@verizon.net

Collector: Saint Louis, MO
Complete commercial collection agency. Licensed bonded in all states and will out performed any other agency!
Call 1-800-659-7199 ext.315
E-mail: 
jfloyd@lindquistandtrudeau.com
Consultant: Nationwide
25 yrs. experience: Creating/Refining Business Plans to raise capital· Credit Underwriting support/policy/procedure development · Operations Support/policy/procedure development.
Call: 610-246-2178, McCarthy Financial, LLC,David.mccarthy@mccarthy-financial.com
Consultant: Burlington, CT
We provide our clients with a full range of consulting services such as portfolio conversions, reconciliation, custom programming and leasing operations utilizing InfoLease. 
Email: info@new-millennium-assoc.com
Consultant: Europe
15 years doing deals/running own technology leasing company – looking to advise/ lead new entrants to take advantage the European market opportunity.
www.clearcape.co.uk or email 
Consultant: Henderson, NV
Focus on new business development and process efficiencies to create incremental revenue and profitability. Executive level vendor experience, and satisfied outsourcing clients. Incredible track record.
E-mail: rbutzek@cox.net

Consultant: Sausalito, CA
Lease trainer and consultant. 38 years in equipment leasing. Expert in transaction analysis, financial statement analysis, credit, packaging, structuring. Presents highly popular classes and workshops.
E-mail:BoTei@aol.com

Consultant: North of Detroit, MI 
INFOLEASE EXPERT - 18 years experience. Since being downsized in 2002, working as a consultant for several leasing companies. Seeking consulting projects nationwide. 
E-mail: darwint@prodigy.net

Consultant: Ridgefield CT.
Lisa Lersner w/20 years exp. specializing in leasing technology now providinglessor selection andmanagement services, includingthe securing of debt and equity and acquisition guidance services.
Email: email
www.leasefinanceconsulting.com

Communications:Chassell, MI

Cartoons on business, finance & computers. Use for your presentations, website, newletter, direct

mail projects etc. Fees are negotiable. 
Email: dan@danscartoons.com 
Go to http://www.danscartoons.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


Software Programmer
Fort Collins, Colorado


SQL & .Net programmer for Vision Commerce
Platform, Min. 2yr. exp.,Bachelor’s degree
---or Course Work in related field
Click here for more information

www.pawneeleasing.com
-Est. 1982, specializing in the under $75,000
marketplace to smaller, closely-held businesses--


[headlines]
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German Shepherd/Labrador Retriever Mix
Irvine, California Adopt-a-Dog

Ava

"Female German Shepherd Dog /Labrador Retriever mix about 3-5 years old. Good with kids. Gets along with other dogs. Not cat friendly.

"Ava knows her commands, gracefully extends her paw when asked and is delightful on walks. Ava needs her person to be willing to spend a fair amount of quality time together, especially in the beginning, to develop a strong sense of trust. She is a very good girl and a small investment of quality time will return rewarding benefits.

“ She tends to pester the kitties, so a home without cats is a good idea for her. Although she seeks to win everyone over by being tender and unassuming, Ava can be a bit of an Alpha dog; thus, a home with confident K-9 buddies will teach Ava a thing or two about who runs the show in the home. Little sweet Ava will excel with children of all ages as well as in any size home."

Our adoption donation for adults is $300. This amount only partially covers the cost of veterinary care, boarding fees, and other miscellaneous expenses involved in the temporary care and adoption of our dogs and is tax deductible to the extent allowed by law.

For inquiries about our dogs, please email: ocdogs@coastalgsr.org
Telephone: (714) 528-4730
Mailing Address
Coastal German Shepherd Rescue
23600 El Toro Road #D276
Lake Forest, CA 92630


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----

Bank Internal Auditors Warned About Lending Risks
http://ww2.cfo.com/auditing/2013/09/bank-internal-auditors-warned-about-lending-risks

American AgCredit grows by lending to farms
http://www.pressdemocrat.com/business/American-AgCredit-grows-by-lending-to-farms

More than 50 People Indicted in Massive Fraud Ring
http://www.leasingnews.org/PDF/Fraud_ring_92013.pdf

 


• 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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--You May Have Missed It

5 of the Funniest Workplace Commercials of All Time
http://marlagottschalk.wordpress.com/2013/09/18/5-of-the-funniest-workplace-commercials-of-all-time/#!



[headlines]

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

SparkPeople--Live Healthier and Longer



3 Ways to Refresh Your Treadmill Workout
Don't Get Stuck in a Treadmill Rut
http://www.sparkpeople.com/resource/fitness_articles.asp?id=266


[headlines]
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Baseball Poem

Silly Question

By: "Papa" Joe Chevalier


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

To hear the poem read by Johnny Nguyen

http://www.csupomona.edu/~jthuang/a5/Complete.wav



[headlines]

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Sports Briefs----


Lane Kiffin firing was set up by USC's 2011 season
http://www.latimes.com/sports/sportsnow/la-sp-sn-lane-kiffin-firing-usc-2011-20130929,0,4052646.story#axzz2gJ21dbC5
http://www.nytimes.com/2013/09/30/sports/ncaafootball/usc-fires-its-football-coach.html?_r=0

Several NFL names could be in play for USC job after Lane Kiffin firing
http://nfl.si.com/2013/09/29/nfl-candidates-for-usc-after-lane-kiffin-firing/?xid=ob_blogs

Bears fall to 3-1 after 40-32 loss to Lions
http://www.chicagotribune.com/sports/football/bears/ct-spt-0930-bears-lions-chicago-20130930,0,2901815.story

Colts hand Jaguars another lopsided loss, 37-3
http://sports.yahoo.com/news/colts-hand-jaguars-another-lopsided-202039959--nfl.html

Seattle 4-0 after 23-20 OT win over Texans
http://seattletimes.com/html/seahawks/2021928880_seahawks30xml.html


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



California Nuts Briefs---


Marin parks worker saves drowning man at McNears Beach
http://www.marinij.com/marinnews/ci_24180685/marin-parks-worker-saves-drowning-man-at-mcnears

 

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



“Gimme that Wine”

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


Constellation Pouring $20MM Into Boosting California Wine Capacity

ShankenDailyNews: Constellation Brands has announced a major investment across its California wine business to boost capacity amid rising demand. The $20 million outlay will see the company expand its growing, crushing, fermenting, storing and bottling capacities across multiple wineries.

Included in the investment is the purchase or lease of 750 acres of additional land in the Lodi Delta area of San Joaquin County to plant Pinot Noir, Chardonnay and some Cabernet Sauvignon for brands like Mark West, Woodbridge by Robert Mondavi, Robert Mondavi Private Selection and Clos du Bois. Constellation is also investing in a tank expansion project at its Gonzales winery in Monterey County that will increase its Central Coast crushing capacity from 70,000 tons to 80,000 tons.

In addition, Constellation’s Turner Road Vintners winery in San Joaquin County is adding 7,000 tons of crushing capacity and 1.5 million gallons of storage capacity, and installing a new Tetra Pak bottling line for the Vendange brand. Meanwhile, Clos du Bois winery in Sonoma County is installing over 1 million gallons of stainless steel tanks, Mission Bell Winery in Madera County is adding a bag-in-box bottling line to increase capacity by 50 percent to meet growing demand for Black Box, and Woodbridge in San Joaquin County is converting one bottling line to expand production in the 187-ml.

Most of the upgrades are expected to be completed by the end of this year. The news comes as California vintners are scrambling for additional tank space to accommodate wine from 2012’s bumper crop and 2013’s expected strong vintage.

 

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

     1630- John Biliington, one of the first pilgrims to land in America, was hanged for mur­der, becoming the first criminal to be executed in the American Colonies. He was one of the signers of the Pilgrim's compact. He way-laid a young man, one John Newcomin ( “ about a former quarele, and shote him with a gune, whereof he dyed.” 
    1787- the first ship to carry the American flag around the world was the “Columbia,” a 212-ton vessel under Captain Kendrick that sailed from Boston, MA , on a fur-trading mission to Canada. It was accompanied by he sloop Washington, under Captain Robert Gray, who exchanged commands with Captain Kendrick and completed the trip, returning to Boston on August 9, 1790. The trip took nearly three years and covered a distance of 41,899 miles. The crew explored the Queen Charlotte Island and discovered the straits of Juan de Fuca and the mouth of the Columbia River.
    1811- The first year exports exceeded imports. Imports were %43.5 million and exports were $45.3 million and of foreign merchandise (the territories) $16 million for a total exports of $61.3 million.
    1851- The barge "Mount Washington" arrived in port with cargo which included macaroni and other foods, candles, soap, fishing nets, books and mail. Mail was delivered to the post master by Capt. Ebenezer G. Libby.
1917 Drummer Buddy Rich birthday 
http://www.buddyrich.com/bio.html
    1922- Bassist Oscar Pettiford born, Okmulgee, OK
    1924- American novelist and literary celebrity, was born Truman Streckfus Persons at New Orleans, LA. He later took the name of his stepfather and became Truman Capote. Among his best remembered books: Other Voices, Other Rooms, Breakfast at Tiffany's and In Cold Blood. He was working on a new novel, Answered Prayers, at the time of his death at Los Angeles, CA, Aug 25, 1984.
    1927- George Herman ‘Babe” Ruth hit his 60th home run of the season off Tom Zachary, of the Washington Senators. Ruth's record for the most homers in a single season stood for 34 years—until Roger Mans hit 61 in 1961. Maris's record was broken in 1998 by Mark McGwire with 62 home runs
    1934- On this date Babe played his last game for the New York Yankees. Soon after, while watching the fifth game of the World Series (between St. Louis and Detroit) and angry that he was not to be named Yankees manager Ruth told Joe Williams, sports editor of the Scripp-Howard newspapers, that after 15 sea­sons he would no longer be playing for the Yankees.
    1935—Singer Johnny Mathis born Gilmer, Texas.
    1947- The first World Series to be televised opened with the New York Yankees beating the Brooklyn Dodgers, 5-3. The Yankees won the Series, four games to three. The entire series was telecast under the joint sponsorship of the Ford Motor Company and the Gillette Safety Razor Company at a cost of $65,000. The play-by-play descriptions were given by Bob Edge, Bob Stanton, and Bill Slater.
    1951-” Red Skelton Show Premiers”. Vaudevillian and radio per­former Red Skelton hosted several popular variety shows on NBC and CBS in a career that spanned 20 years. He was a gifted comedian, famous for his loony characters, sight gags, pan­tomimes and ad-libs. His show was also notable for introducing Johnny Carson and the Rolling Stones to a national audience.
    1955-James Dean meets his end. It was at the intersection of what are now highways 41 and 46 (41 and 466 then) at Cholame, California, not highway 101. He was 25 miles away from 101 and would have taken that road. Dean was on his way from LA to Monterey to race his Porsche. Most people think it was Dean's fault, probably due to speed, and he did get a speeding ticket earlier that day, but police at the scene don't believe he was speeding at the time. Besides, his aluminum Porsche was no match for a big heavy Ford. This is a Y intersection, and Dean had the right of way. He was headed west on 466 into the setting sun and didn't see the approaching Ford, the Ford driver probably didn't see the silver Porsche, and turned left in front of Dean onto 41 toward Kettleman City. No time to stop. I've been to that location. I still have my 1961 Super 90.
http://www.americanlegends.com/bookstore/deanstory/intro.html
http://www.snopes.com/autos/cursed/spyder.asp
http://www.allsands.com/jamesdeanbiogr_rz_gn.htm
http://members.aol.com/jaydeebee1/memorial.html
http://www.20six.co.uk/weblogCategory/1pptzo5jz5iqo
http://www.jamesdean.com/
    1956---Top Hits
Canadian Sunset - Hugo Winterhalter and Eddie Heywood
The Flying Saucer (Parts 1 and 2) - Buchanan and Goodman
Honky Tonk (Parts 1 and 2) - Bill Doggett
Don't Be Cruel/Hound Dog - Elvis Presley
    1960-” The Flintstones” premiered on ABC-TV. This Henna Barbera cartoon comedy was set in prehistoric times. Characters included two Stone Age families, Fred and Wilma Flintstone and neighbors Barney and Betty Rubble. In 1994 The Flintstones movie was released, star­ring John Goodman, Rick Moranis and Rosie O'Donnell. It also was the first cartoon series to be televised on prime-time.
http://www.topthat.net/webrock/
    1960 -- On Howdy Doody's last TV show Clarabelle finally talks: "Goodbye Kids".
    1961-Bob Dylan plays harmonica on three cuts recorded for his friend Caroline Hester's first Columbia album. The session is produced by John Hammond and he is so impressed that he promptly signs Dylan to a deal. Now that Dylan is a part of Columbia records, Hammond arranges for a solo recording session in October.
    1961--an early season snowfall occurred over the northern plains with the greatest total (4 inches in the Ulm-Mankato area in Minnesota). Omaha, NE had its first September snow in 70 years.
    1962- Rioting broke out when James Meredith became the first black to enroll in the all-white University of Mississippi. President Kennedy sent 3000 US troops to the area to force compli­ance with the law. Three people died in the fighting and 50 were injured. The next day Meredith was enrolled and began to attend classes amid continuing disruption by protestors. On June 6, 1966, Meredith was shot while participating in a civil rights march at Mississippi. On June 25 Meredith, barely recovered, rejoined the marchers near Jackson, MS.
    1964---Top Hits
Oh, Pretty Woman - Roy Orbison
Bread and Butter - The Newbeats
G.T.O. - Ronny and The Daytonas
I Guess I'm Crazy - Jim Reeves
    1966 -- Three-day Acid Test opened at San Francisco State College Commons. The test was to peak on the evening of Oct. 1. The Grateful Dead perform. 
Posters from this era are quite the collector items.
http://www.richardandmimi.com/posters.html
    1967-Van Morrison's "Brown-Eyed Girl" peaks at #10 on the singles chart.
    1967--13th Floor Elevators; Quicksilver Messenger Service at the Avalon Ballroom in San Francisco, presented by the Family Dog collective.
    1970 - A nineteen month drought in southern California came to a climax. The drought, which made brush and buildings tinder dry, set up the worst fire conditions in California history as hot Santa Anna winds sent the temperature soaring to 105 degrees at Los Angeles, and to 97 degrees at San Diego. During that last week of September whole communities of interior San Diego County were consumed by fire. Half a million acres were burned, and the fires caused fifty million dollars damage.
    1972- Roberto Clemente of the Pittsburgh Pirates doubled against New York Mets pitcher Jon Matlack as the Pirates defeated the Mets, 5-0. It was Clemente's 3,000 career hit and his last one as he was killed in a plane crash on Dec 31, delivering relief supplies to earthquake victims in Nicaragua.
    1972---Top Hits
Baby Don't Get Hooked on Me - Mac Davis
Saturday in the Park - Chicago
Back Stabbers - O'Jays
I Ain't Never - Mel Tillis
    1976- California became the first state to enact a “Right-to-Die” law, which allowed physicians of terminally ill patients to withhold life-sustaining procedures under certain conditions,
    1976 -- "Two Centuries of Black American Art" opens at the Los Angeles County Museum of Art. The exhibit features over 60 lithographers, painters, and sculptors including 19th century masters Joshua Johnston, Edward Bannister, and Henry O. Tanner as well as modern artists Charles White, Romar Bearden, and Elizabeth Catlett. The exhibit's catalogue notes that the assembled artists' work proves “the human creative impulse can triumph in the face of impossible odds, and at times even because of them.”
    1977-The Rolling Stones release their "Bridges to Babylon" LP.
    1977 - The temperature at Wichita Falls, TX, soared to 108 degrees to establish a record for September.
    1978-- "Kiss You All Over" by Exile topped the charts and stayed there for 4 weeks.
    1980---Top Hits
Upside Down - Diana Ross
All Out of Love - Air Supply
Another One Bites the Dust - Queen
Old Flames Can't Hold a Candle to You - Dolly Parton
    1982-”Cheers” premiered. NBC sitcom revolving around the owner, employees and patrons of a Beacon Street bar at Boston. Original cast: Ted Dan­son as owner Sam Malone, Shelley Long and Rhea Perlman as waitresses Diane Chambers and Carla Tortelli, Nicholas Colasanto as bartender Ernie “Coach” Pantusso, John Ratzenberger as mail­man Cliff Clavin and George Wendt as accountant Norm Peter­son. Later cast members: Woody Harrelson as bartender Woody Boyd, Kelsey Grammar as Dr. Frasier Crane, Kirstie Alley as Rebecca Howe and Babe Neuwirth as Dr. Lilith Sternin Crane. The theme song “Where Everybody Knows Your Name,” was sung by Gary Portnoy and written by he and Judy Hart Angelo. Cre­ated by Glen Charles, Las Charles and James Burrows. The last episode aired Aug 19, 1993.
http://epguides.com/Cheers/
http://www.tvtome.com/Cheers/
http://members.aol.com/TampaChatr/cheers.html
http://www.cheersboston.com/index_bh.html
    1984- “Murder, She Wrote” premiers. Angela Lansbury starred as crime novelist Jessica Fletcher from Cabot Cove, Maine, who traveled the country solving murders. This top-rated detective show was unusual in having an older female star, since young men are usu­ally preferred in leading roles on TV. Also appearing were Tom Bosley as Sheriff Amos Tupper and William Windom as Dr. Seth Hazlett. The program ran for 12 years.
http://www.mysteries.com/tv/murder.html
http://www.museum.tv/archives/etv/M/htmlM/murdershew/murdershew.htm
http://www.jumptheshark.com/m/murdershewrote.htm
    1985-An early season snowstorm covered the Arrowhead region of Minnesota with 7 to 9 inches of snow. 7 inches fell at Babbitt and Aurora, 7.5 inches at Isabella and 8.5 inches at Polar Lake. This was believed to be the most ever for September in this region.
    1987 - Afternoon thunderstorms in Michigan produced hail an inch in diameter at Pinckney, and wind gusts to 68 mph at Wyandotte. A thunderstorm in northern Indiana produced wet snow at South Bend. Seven cities in the northwestern U.S. reported record high temperatures for the date, including readings of 98 degrees at Medford OR and 101 degrees at downtown Sacramento CA
    1988- Pitcher Orel Hershiser of the Los Angles Dodgers extended his streak of consecutive scoreless innings to 59, thereby breaking Don Drysdale's mark by one inning. Hershiser shut of the San Diego Padres for 10 innings, but the Padres won the game 2-1, in 16 innings.
    1988 --Ronald Reagan, nearing the end of his presidency, throws out the ceremonial first pitch at Wrigley Field. The former Cub announcer then spends an inning and a half doing play-by-play with Harry Caray in the WGN television booth
    1988---Top Hits
Don't Worry Be Happy - Bobby McFerrin
I'll Always Love You - Taylor Dayne
Love Bites - Def Leppard
Addicted - Dan Seals
    1988 - Unseasonably warm weather prevailed over Florida, and in the western U.S. The afternoon high of 94 degrees at Fort Myers FL was their tenth record high for the month. Highs of 98 degrees at Medford OR and 99 degrees at Fresno CA were records for the date, and the temperature at Borrego Springs CA soared to 108 degrees.
    1992- George Brett of the Kansas City Royals singled off Tom Fortugno of the California Angeles in the 7 th inning, thus recording the 3,000 th hit of his major league career. The single gave Brett four hits in a game for the 59 th time. He was accorded a standing ovation and became so distracted that he was picked off first.
    1995- "Fantasy" by Mariah Carey topped the charts and stayed there for 8 weeks.
    1999- The largest regular-season crowd in San Francisco Candlestick Park history, 61,389 fans, watch the Dodgers beat the home team, 9-4 in the last baseball game to ever be played at the 'Point'. Giant greats help mark the occasion with Juan Marichal tossing out the ceremonial first pitch before the game and Willie Mays throwing out the ballpark's final pitch after the game. Sue and I were there.
    2000-In the highest scoring game in A's franchise history, Oakland defeats the Rangers 23-2 to remain a half-game ahead of the Mariners for the western division lead as Seattle scores the most runs ever against the Angels, 21-9 assuring the team at least a tie for the American League wild card.

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

SuDoku

The object is to insert the numbers in the boxes to satisfy only one condition: each row, column and 3x3 box must contain the digits 1 through 9 exactly once. What could be simpler?

http://leasingnews.org/Soduku/soduko-main.htm

[headlines]

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

Daily Puzzle

How to play:
http://www.setgame.com/set/puzzle_frame.htm

Refresh for current date:
http://www.setgame.com/set/puzzle_frame.htm

[headlines]

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

[headlines]

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Weather

See USA map, click to specific area, no commercials

http://www.weather.gov/

[headlines]

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Traffic Live---

Real Time Traffic Information

You can save up to 20 different routes and check them out with one click,
or type in a new route to learn the traffic live

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

[headlines]

 
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- Pepperdine Private Capital Survey
 "Alarming Low" Application-to-Loan Ratio
- Top 50 Quick-Service/Fast-Casual Restaurants
- Hey, Let's Hire Ritz Carlton!!!
- Umpqua CEO on Financial Pacific Leasing Purchase
   What to Look Forward to
- PacWest-CapitalSource Merger No Surprise;
    Leasing Community Saw it Coming
- Leasing News is Not the National Enquirer
- Balboa Capital, Irvine, California
   $20,543.22 Bulletin Board Complaint
   Alleged “Bait and Switch”
- MB Financial Taylor Cole Merger Good for Leasing Industry
- "Lovely Ladies of Leasing" Visit Temecula Wineries
- Top Five Leasing Web Sites
- BBB Leasing Company Ratings
- Dallin Hawkins Second Arrest within 25 days
    Well-known LinkedIn.com Super Broker
- Integrity Financial Groups, Murray, Utah
   $50,000 Bulletin Board Complaint
- History of Leasing - Abridged
   by Tom McCurnin and Christopher Menkin
- GoBank Goes Live
- "Just What is an "Alternative Dispute Resolution?"
- One Out, Another Getting Out, Not the Third
- Banks and Leasing Regulations
- Luckiest Man in California- Our Tom McCurnin
- Element Financial Sued by De Lage Landen
- Abbott and Costello Prediction- An Update
- Sterling Financial Purchases Commerce National
- Twitterverse--Are you a "Tweep" or "Twitterati"?
- Female Lease Finance Association Presidents
- Terry Winders, CLP, Custom Built Poker Tables
   ---Order One for Father’s Day
- Broker’s Responsibility to Obtain
    California Lender’s License
- CLP 2012 Accomplishment Report
    Many "fresh faces" Become CLP's
- Most Popular Dog Breeds in America 2012
- Pacific Western Joins “Extra Lease Payment” Group
- The Matrix-Utah Connection
- Current License Regulations and Advice
- The House that Jerry Built
- The Day that Albert Einstein Feared May Have Finally Arrived
- Equipment Finance Agreements Explained/Barry S. Marks
- Sheldon Player's E.A.R. Ropes 18 Equipment Lessors
- Chat Acronymns and Keyboard Smilies
- Royal Links "True Lease" Court Ruling
- "The Memory Shock" –New Book by Barry Reitman
- Third-IFC Credit Trustee, Northfield, Illinois
   
Bulletin Board Complaint
- Four Software Solutions
    re: Digital device/Laptop Lost or Stolen!
- Excellent Tips by Warren Buffet
- Take Your Banker to Lunch
- Meridian Finance Group Looking Brokers for Europe Biz
- Is Leasing Securitization Dead or Alive?
- Why Leasing News is Different
- Mazuma and Republic Bank Get Snared on PRR Provision
   by Tom McCurnin, Esq.
- Companies who utilize Evergreen Clauses for Extra Lease Payments
- Jeff Taylor's Leasing Predictions, Spring, 2006
- Radiance Capital, Tacoma, Washington
   Bulletin Board Complaint
   Purchase Option on EFA, Won’t Return $5,000 S.D.
- New Case against Mazuma Capital and Republic Bank
  ---Automatic Evergreen Payment---PPR
- Eleven Lawyers Against Evergreen Clause Abuse
- Republic Bank out of leasing?
Ladco Leasing/Elavon Fined $418,601
- Future of Mobile Devices
- Charles Schwartz and Allied Health
- Why I became a CLP
- Copier Wars---It's more than the lease payment
    by Christopher Menkin
- Results Are In---
   "Application Only" versus Financial Statements?
- A California Leasing Gypsy Arrested by Costa Mesa Police
- Survey of Evergreen Clauses
- Responses to Working with a Smaller Bank Question
- Leasing Gypsies
- OneSource Develops Business License Software
- Talk About Chutzpa, Fanghella has more than Trump
- Three Class Action Suits re: Brican America
- Verifying Tax Returns
- Starting a Leasing Company-Four Parts
   by Mr. Terry Winders, CLP
- Free Mobile Wine Program
- Special Report: Part I
   Could Church Kiosks, Royal Link Carts, NorVergence results been avoided?

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

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