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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
   


Press Release    
WE'RE HIRING at Our Minneapolis Headquarters
Credit Manager
This position will be responsible for underwriting small ticket working capital applications up to $250,000 in a fast paced and high volume environment. The candidate will make independent decisions on commercial credit applications through evaluation of business and personal credit reports, financial statements and other credit information. More
Collections Representative
This position will function as the primary contact for customer concerns regarding loan collection issues. The candidate will act as a liaison between the customer, Channel Partners Capital and 3rd Party Collection Agencies. More
Please email cover letter and resume to: careers@channelpartnersllc.com


Monday, September 28, 2015



Today's Equipment Leasing Headlines

Position Wanted – Credit
Work Remotely or Relocate for Right Opportunity
Top Stories  September 21 - September 25
(Opened Most by Readers)
Changes in the Commercial Finance and Leasing Industry
 by Christopher Menkin, Editor
NAELB Lease Broker School Report
  by Gary Greene, CLFP, BPB, Managing Director
“How Do I Find Out Why I Was Not Hired?”
Career Crossroad---By Emily Fitzpatrick/RII
Leasing Industry Ads---Help Wanted
  Opportunities
Leasing #102 by Mr. Terry Winders, CLFP
  Blanket Liens
From the Desk of Michael J. Witt, Esq.
Insurance Certificates are Often Virtually Worthless
Sample of Usury Laws in United States
  by Bill Phillips, Esq., Marks & Associates
Great Dane/Purebred
West Des Moines, Iowa  Adopt-a-Dog
The 2015 Toronto International Film Festival
   by Fernando Croce
News Briefs---
Verona man arrested, allegedly stole identity of New York Mets  
    executive in a Lease Ponzi scam
Former La Jolla Bank officials admit bribes,
  taxpayers absorb $1 billion loss
Boehner departure sparks renewal urgency
   for Ex-Im Bank backers
Captives, independents see solid gains in
    auto loan, lease accounts
Lane strategy has CarMax primed to buy off-lease units
   Company dealerships turned 477,522 Units by June 30th
How Pope Francis turned around troubled Vatican bank
  "bank's profits $3.9 MM 2013/ $75.5 MM last year 
Narendra Modi, Indian Premier, Courts Silicon Valley
   to Try to Ease Nation’s Poverty
North America's largest independent material handling lessor
  Pacific Rim Capital Celebrates Its 25th Anniversary

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

www.leasingcomplaints.com (Be Careful of Doing Business)
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[headlines]

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Position Wanted –Credit
Work Remotely or Relocate for Right Opportunity

Each Week Leasing News is pleased, as a service to its readership, to offer completely free ads placed by candidates for jobs in the industry.  These ads also can be accessed directly on the website at:
http://www.leasingnews.org/Classified/Jwanted/Jwanted.htm
Each ad is limited to (100) words and ads repeat for up to 6 months unless the candidate tells us to stop. Your submissions should be received here by the end of each week.

Please encourage friends and colleagues to take advantage of this service, including recent graduates and others interested in leasing and related careers. 


Will relocate for the right opportunity and can work remotely. I have (25+) years in making credit decisions, as well as helping sales team and third party originators close more transactions via understanding their applicant's financial abilities. I can create alternative or additional opportunities (and income) by knowing which type of loan is best for the borrower
aaacorrespondent@gmail.com

 

 

 

[headlines]
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Top Stories  September 21 - September 25
(Opened Most by Readers)

(1) New "Same Day ACH" Goes into Effect Sept. 23, 2016
           Receiving Wide Support
http://leasingnews.org/archives/Sep2015/9_25.htm#ach

(2) New Hires---Promotions in the Leasing Business
              and Related Industries
http://leasingnews.org/archives/Sep2015/9_25.htm#hires

(3) Interim Rent: Proper Accounting Function for
         Short Term Advances --- Or Is It a Scam?
  By Tom McCurnin, Leasing News Legal News Editor
http://leasingnews.org/archives/Sep2015/9_21.htm#interim

(4) Caterpillar to Cut More than 10,000 Jobs
Major Lessor of Construction Equipment to Cut $1.5 billion
http://leasingnews.org/archives/Sep2015/9_25.htm#caterpillar

(5) Funders Taking New Broker Business List
      BSB, Bankers Capital, Forum Leasing, TimePayment
http://leasingnews.org/archives/Sep2015/9_21.htm#funders_taking

(6) Archives - September 25, 2000
         Announcement Debbie Monosson Becomes President
http://leasingnews.org/archives/Sep2015/9_25.htm#president

(7) “Words Not to Use in Your Resume”
     Career Crossroad---By Emily Fitzpatrick/RII
http://leasingnews.org/archives/Sep2015/9_21.htm#corssroad

(8) Archives: September 23, 2005
         Dave Murray is Back!
http://leasingnews.org/archives/Sep2015/9_23.htm#archives

(9) Purchase, Renewal, Return ("PRR") Clauses
         by Christopher Menkin
http://leasingnews.org/archives/Sep2015/9_21.htm#prr

(10) Canadian Finance and Leasing Association
Annual Conference Report by Hugh Swandel
http://leasingnews.org/archives/Sep2015/9_23.htm#canadian

 



 

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Changes in the Commercial Finance and Leasing Industry
by Christopher Menkin, Editor


 
Leasing News will be introducing weekly columns on credit and technology as there are major changes happening in the finance and leasing industry, primarily regarding the “small ticket” marketplace.

First, at one time I defined the “small ticket” marketplace as being under $100,000 transactions, following the example of TimePayment, who writes leases from $500 to $100,000. The larger ticket companies consider small ticket under $250,000. Maybe they are correct, as what I once considered the small ticket marketplace has changed. For instance, Financial Pacific is doing larger deals at very competitive rates. More importantly, recent credit algorithms and use of social media have raised the lending limits up to $250,000 for alternate finance as well as small ticket leasing. Certainly there is a lot of both corporate and personal cash that is hoarded and begging to be put to use, perhaps creating the push to lend or lease higher dollar amount transactions.

The major change is the growth of Equipment Finance Agreements, Business Loans, Working Capital Loans, and Cash Advance. There are over 50 major Financial Technology (FinTech) companies who gather money from private investors as well as banks and investment groups. (1) It is now coming to established commercial finance and leasing companies.

Today, most leasing companies now have Finance or Capital in their name, with many abandoning leasing from their logo. The growth has seen Direct Capital, Pawnee, Marlin Business Services, as well as new companies and smaller companies, such as BSB Leasing, having a sister company involved in this business loan, working capital venture.

We have also experienced this at Leasing News where we have such advertisers as Channel Partners, Rapid Advance, OnDeck, Quick Bridge
Funding, to name just a few.

In addition, there are many non-leasing lenders who exhibit at both the National Association of Equipment Leasing Brokers and National Equipment Finance Association Conferences, all pushing their non-leasing products. And it is paying off for them to attend, as evidenced by this broker who wrote Leasing News after meeting face-to-face several of the sources:

"Surprisingly, I'm doing a lot of working capital loans now. I never thought I would do many because I thought the rates were too high. I have learned now that we also have "A" rate lenders who provide unsecured working capital loans and we have "B" lenders and "C" lenders. There are 3 tier even in that product and on the "A" deals, I can get terms up to 5 years and monthly payments instead of daily debits like so many of them do. Funding Circle is an ‘A’ tier lender and a member of the NAELB.

"I have enjoyed working with them and my customers have been happy with the loans I got them there. It just took understanding this product and learning all the different ways each of these lenders do things.

"I am comfortable now with selling this product."

Another broker emailed:

"Working capital loans have become so popular now because it is next to impossible for a small business to get a loan from the bank. I did as many working capital loans as I did leases. It really made for a nice month and they are still coming. I have two right now that are in for approvals that will total around $300K. Been lucky that they have been businesses with good credit and principals who had good scores."

To others, the lack of worrying about financial statements, personal credit of a partner, type of equipment, equipment deliver, site inspection, and the process being cumbersome, has been a deterrent.

The easy cash advance where the broker is just someone who refers to a company who does all the selling, all the work, even takes the applications, negotiates the terms, sends in the contract, etc.

Another telltale sign comes from the new Certified Finance and Lease Professional membership growth. The new members are now mostly employees of large companies, who support and pay their way. Congratulations to the CLFP program finally getting the recognition they deserve, but is another indicator, along with the diminishing membership of the National Association of Equipment Leasing Brokers. More now find it profitable to work and receive the benefits of a larger company than being an independent. Originally, the new members would split deals with established brokers as they were learning the business. They learned the trade this way and brought new blood to the association and business to established brokers.

With the change with new technology getting involved into creating sales, the independent can’t afford the software, training, and up keep. The Millenniums have a different attitude than the generation before it. They are more comfortable working for someone else, enjoying their freedom away from work with a different sense of lifestyle than their parents. This is not criticism, as I am very proud of this generation.

As reported in Leasing News, the NAELB regional conference recently held in Atlanta "…did not attract many ‘new’ brokers but numerous former presidents and board members were present. The actual attendance was 102 with 39 brokers and 63 Funders/Associates."

A long time funder for small ticket leasing wrote Leasing News," For several reasons I am very concerned about the future of the broker driven equipment leasing/finance industry and try, without much success, to avoid sinking into the old geezer mode of 'back in the day' observations. I have enjoyed the great diversity of the hard working folks in this industry and hope there is a future for the many entrepreneurs that must be 'jacks of all trades and master of a bunch' to succeed.

"The recession cost the loss of an entire generation of future brokers.  Unlike the past, I no longer receive the calls from start-up brokers who were going out on their own after years of experience learning their craft while working for another broker, bank, funding source, or captive. These were the folks that disappeared to other industries after being let go during the recession’s deep down/right sizing. Most all 'new' brokers now are non-industry types with little or none of the unique knowledge available through hands on experience. Our industry sorely lacks that missing generation of apprentices."

And the new brokers are focusing in on business loans, cash advance, working capital, where there is no need to know the ins and outs of leasing, including the processing, as almost all the "selling" is done by the FinTech companies.

The change in credit and the technology is to be discussed in future
Leasing News editions by Charles Anderson and Ben Carlile.

(1) The 50 Best Fintech Innovators Report
http://www.leasingnews.org/PDF/Fintech2015.pdf

 

 

[headlines]
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Leasing Industry Help Wanted

 

Press Release    
WE'RE HIRING at Our Minneapolis Headquarters
Credit Manager
This position will be responsible for underwriting small ticket working capital applications up to $250,000 in a fast paced and high volume environment. The candidate will make independent decisions on commercial credit applications through evaluation of business and personal credit reports, financial statements and other credit information. More
Collections Representative
This position will function as the primary contact for customer concerns regarding loan collection issues. The candidate will act as a liaison between the customer, Channel Partners Capital and 3rd Party Collection Agencies. More
Please email cover letter and resume to: careers@channelpartnersllc.com
 



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

Please see our Job Wanted section for possible new employees.

 

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NAELB Lease Broker School Report
by Gary Greene, CLFP, BPB, Managing Director

The first year of operations and classes for the National Association of Equipment Leasing Broker School was successful.

After several years of planning and development work, we hosted our first classroom session in November 2014. It was our ‘proof of concept’ and we got lots of great feedback from our graduates. Since then, we’ve hosted 3 more sessions of our 36-hour program which is dedicated to training equipment lease brokerage. Our graduates continue to provide us with positive comments that help us make the curriculum better each time our school is presented.

Our students have come from a wide variety of business backgrounds.  A surprising number of them have already been through other financial training programs. They each come to the NAELB School for training focused on the unique business of capital equipment leasing.

I have the great pleasure of working with Bud Callahan, CLFP, Linda Kester and Joe Bonanno, Esq., CLFP, who have each shown true commitment to the ideal in their own classroom presentations. We also have a small team of other dedicated folks working behind the scenes to help us administer and promote the school, and of course, our dedicated NAELB Mentors who really help us to support our graduates in their first year of post-graduation operation of their brokerages. Our mentors are unique in that they assist our graduates in getting good business funded for their clients and develop direct funding relationships and ever-increasing independence from the mentor themselves!

We’ve received tremendous support not only from the NAELB Board but also many Funding Sources as we put together the business plan and curriculum.  The NAELB recognizes the School as important for the professionalism and success of new brokers in what remains a dynamic and challenging industry.

We are looking forward to our fifth classroom session in connection with the NAELB’s upcoming Western Regional Conference in Anaheim the 2nd week of November. It will be a bit of an ‘anniversary’ celebration for us as it will be almost exactly 1 year after our very first class!

It is a great time to be a professional lease broker!

 

 

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“How Do I Find Out Why I Was Not Hired?”
Career Crossroad---By Emily Fitzpatrick/RII

Q: I was recently rejected for a job opening. Is it appropriate to ask the company why I was not hired, and if so, how would I go about this?

A: It is appropriate to request feedback from a hiring manager; however, 95% of the time the employer will not share much of their decision-making process with a Candidate. There are many reasons for this, including legal issues. How you request this information is the key – strategically. If you humbly and professionally show a genuine interest in improving your job search skills, a hiring manager may be willing to share some feedback.

Note that an employer will be more likely to provide advice via phone rather than electronically (an email) due to concerns that any written response might be used as evidence against them if a hiring decision were to be contested.   

The goal is to initiate a conversation, send a brief email (sample below) asking if you could schedule a phone appointment to get some constructive input. To prepare for this conversation, develop questions regarding the interview itself, e.g. "Do you think I could enhance my interviewing style?", "Were there specific qualifications for this position that I am missing in my background?"

Do not sound bitter or argumentative – there decision has been made, and you do not want to sound desperate. Remain professional at all times and be appreciative. 

SAMPLE EMAIL TO INITIATE A CONVERSATION

Dear ---------------,
Thank you for taking the time to interview me for the --------------- position, I enjoyed our conversations in discussing the organization and position with you. I just received your --------------- (email, note, a phone call) letting me know that I was not selected.

 
Would you be available for a brief discussion on how I could improve upon my candidacy? Any feedback you could share would be appreciated. 

Again, thank you for your time and consideration. 

Best regards, 
Full Name
Phone
Email

By doing this, you may get some helpful information that will improve your chances of landing a new role. Furthermore, do not hesitate to request consideration within other departments of the company just make sure you demonstrate your strong interest in becoming a part of the organization.

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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(Terry retired January 1, 2015.  To honor him and his many years of writing for readers of Leasing News, is repeating several of his columns
that are still meaningful today.Here is July 23, 2007.)

Blanket Liens

Article 9 of the UCC requires the lender to file a financing statement (UCC1) on any collateral taken as security for a loan. This financing statement must be filed in the State where the customer has filed its charter papers. For instance corporations like to file their corporate papers in Delaware because of the favorable tax laws and limited liability companies like to file in Nevada because of favorable treatment. However, you must discover the state in which they have filed their charter papers and file the UCC1 in that state. Lessors are allowed to file financing statements on leases without fear that the filing may be used as evidence that a loan was made instead of a lease (Article 9-505).

In addition to a specific filing on equipment, a blanket lien is a financing statement on all of the currently owned assets of a loan customer plus any after acquired assets. This filing poses many problems for leasing. The first problem comes from a customer who takes title on a purchase of equipment and then proceeds to request a lease. If the leasing company purchases the assets from the customer in a sale-lease-back arrangement (even if it is within a few days of the original purchase), the equipment falls under the blanket lien of the lender and title is encumbered.

Therefore, the customer cannot pass clear title on the equipment involved in the sale-leaseback. Prior to arranging to pay a customer for these new assets, you must run a UCC search to determine any blanket lien holders and obtain lien releases from them or you become a secondary or worse lien holder in a default.

Next there is a possibility that the sales tax authority may require a second sales tax due to the passing of title for the second time. Some States will allow that the Sales tax was paid but most do not. So be sure you check the sales tax requirements in the State that the transaction is consummated. If at all possible, try and have the deal unwound through the dealer and pay the vendor to create clear title.

If a blanket lien exists, in order to have priority over the blanket lien holder, a lessor must file a purchase money security interest (PMSI) within twenty days of the date on which the lessee takes possession of the first piece of the equipment. There is only a "too late" but there is not a "too early" so file your liens as soon as possible.

On many bargain purchase option leases where a filing of a financing statement is critical I am beginning to see Lessors include blanket liens in the master lease to add additional collateral on weak deals. The recommended language states:

“To secure payment of all amounts due to Lessor under each Schedule and all other agreements Lessee has with Lessor, to the extent permitted by law, Lessee hereby grants to Lessor a lien on all now owned or hereafter acquired or arising accounts, payment intangibles, instruments and other rights to receive payments of Lessee, (ii) all general intangibles (including without limitation, contract rights and intellectual property), chattel paper, documents, supporting obligations, inventory, equipment, letter of credit rights, commercial tort claims, investment property, rights, remedies, guarantees and collateral evidencing, securing or otherwise relating to or associated with the foregoing, including without limitation all rights of enforcement and collection.”

However, including this language in a true lease would just be one more item that proves the real intent of the lessor was to act as a lender. The filing of financing statements covers a lot of issues so make yourself aware of the requirements and the purpose so that you understand the real value and consequences of this Article 9 non-compliance.

 


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

 

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Insurance Certificates are Often Virtually Worthless

 
All adept secured lenders and equipment lessors (“lenders”) have provisions in their credit agreements requiring the lessee or borrower (“debtor”) to maintain personal property insurance protecting the lender’s interests in the event the equipment is lost, damaged or destroyed. And virtually all adept lessors under “true” leases require the debtor to maintain liability insurance naming them as “additional insured” to protect them against claims of vicarious personal-injury and property-damage liability caused by the equipment, since they are the legal owners of the equipment.

Some of these lenders merely obtain a certificate of insurance (typically on a one-page Acord® form) to satisfy themselves that the proper insurance is in place and that they have the status of loss-payee or additional insured, but do not understand that insurance certificates are not binding evidence of insurance. Insurance certificates are not issued by the insurer, but by a clerk employed by the local agent or broker. They are issued to lenders for information purposes only (and most certificates contain this disclaimer at the top of the certificate). In order to obtain legal loss-payee or additional-insured status, the lender must make sure that those rights are expressly granted in the insurance policy itself or in an endorsement added to the policy and signed by the insurer. Thus, the lender needs to obtain a copy of the policy to make sure it contains the necessary language, or, if it doesn’t, request the broker or agent to obtain a signed endorsement from the insurer (except perhaps in small-ticket transactions, where spending this time is not feasible).

This is so even if the certificate states that the lessor or lender is a loss payee or additional insured. The local broker’s or agent’s clerk could make a mistake in drafting the certificate, and given the well-established principle that certificates are issued for informational purposes only, the lessor or lender would face an almost impossible uphill battle pursuing a claim that the insurer is vicariously liable for the negligence of the broker or agent.  (Having said this, it is always good practice to require that the certificate contain, as applicable, loss-payee or additional insured language.)

A final note: With respect to property insurance, the lessor or lender should require “lender’s loss payee” status, not merely “loss payee” status. The difference is potentially huge. “Lender’s loss payee” status allows the lessor or lender to enforce the insurance policy if the policy is voided due to fraud by the debtor.

Smart lending makes good luck.

 WITT LAW
Michael J. Witt
4342 Oakwood Lane
West Des Moines, IA 5026
Web: www.Witt-Law.com
Email: MWitt@Witt-Legal.com
Call:  (515) 223-2352

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


Receivables Management LLC
John Kenny

• End of Lease Negotiations & Enforcement 
• Third-Party Commercial Collections

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

(Leasing News provides this ad as a trade for investigative
reporting provided by John Kenny)

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Sample of Usury Laws in United States
by Bill Phillips, Esq.
Marks & Associates


These states are particularly troublesome where usury
and licensing are concerned:

California: Willful violation of the finance lender licensing laws is punishable by a fine of up to $10,000 and imprisonment for up to one year. Violators can be subject to a civil penalty of $2,500 per violation.

Colorado: Charging over 45% interest is a felony and carries a minimum one year prison sentence and a fine of $1,000.00.

Florida: Charging an interest rate exceeding 25% is a second degree misdemeanor and charging an interest rate exceeding 45% is a third degree felony.

Kentucky: Failure to obtain the loan license when necessary is a misdemeanor. The statute also provides that any loan contract made in violation of this statute shall be void and the lender shall have no right to collect any principal, charges or recompense whatsoever.”

Maryland: Failure to obtain a required lending license is a misdemeanor subject to fines and/or imprisonment not exceeding 3 years.

Massachusetts: The criminal usury rate is 20%. Violation of the criminal usury statute is punished by imprisonment in the state prison for not more than ten years or by a fine of not more than ten thousand dollars, or by both such fine and imprisonment.

Michigan: Any person guilty of criminal usury may be imprisoned for up to 5 years and/or fined up to $10,000.00. Possession of usurious loan records may also result in imprisonment and a fine. If the borrower is a “business entity” but the lender is not a bank, credit union or similar institution, the maximum interest rate is 25% and that rate is subject to criminal penalties.

Minnesota: Any person who violates the loan licensing statute is guilty of a “gross misdemeanor” and loans made without a license are void. The borrower is not liable to pay any amount under the loan and can obtain a refund of any money paid on the loan.

Montana: Persons who fail to obtain a necessary license for the purchase of installment sale contracts are guilty of a misdemeanor and punishable by a fine and/or imprisonment.

New Jersey: In addition to its civil usury rates New Jersey’s criminal usury rates are: (a) 50% for to loans to corporations, limited liability companies and limited liability partnerships; and (b) 30% to other borrowers Violation of criminal usury laws subjects the lending party to criminal usury liability and a fine up to $250,000.

Rhode Island: The maximum interest rate any entity may charge may not exceed the greater of 21% per annum or 9% above a published index. Violation of the usury statute can result in forfeiture of the entire principal and interest and imprisonment for not more than five years.

Tennessee: Tennessee’s usury rate is a variable published “formula rate”. The willful collection of usury is a misdemeanor punishable by up to eleven (11) months, twenty-nine (29) days in jail or a fine not to exceed two thousand five hundred dollars ($2,500), or both.

State usury and licensing laws differ significantly from state to state. These are just a few examples. Your transactions may not be impacted by the laws referenced above even if you have customers in these states. Factors include your type of financing product, interest rate, type of customers, size of transactions, collateral and whether you are a bank, credit union, unaffiliated financing company or broker.

It is important to understand the risks as well as the rewards of entering into a transaction in a new state.

 

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

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Great Dane/Purebred
West Des Moines, Iowa  Adopt a Dog


Joni
Female
Spayed
Declawed: No
Housetrained: Unknown
No Small Kids
Location:    foster
Adoption Price:    $100.00

adoptions@furryfriendsrefuge.org

Furry Friends Rescue
West Des Moines facility

We are located at:
1211 Grand Ave.
West Des Moines, IA 50265
515-222-0009

Our hours are:
Weekdays: 3 to 8 p.m.
Weekends: 11 a.m. to 5 p.m.

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

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Leasing News: The 2015 Toronto International Film Festival
by Fernando Croce

Celebrating its 40th anniversary, the Toronto International Film Festival remains one of the most respected fests not just because of the quality and variety of entries from all the corners of the world, but also because it allows audiences an early glimpse at many of the movies that will make news in the upcoming few months. Here are some of its most anticipated titles.

Anomalisa: A unique mix of cerebral despair and sardonic humor, Oscar-winning screenwriter Charlie Kaufman ("Eternal Sunshine of the Spotless Mind") returns to the director's chair in this tale of loneliness and unlikely romance, performed entirely in stop-motion puppetry. The story follows the emotion blossoming tentatively between a motivational speaker (voiced by David Thewlis) and a shy hotel guest (Jennifer Jason Leigh), in a strange and strangely beautiful vision of our perpetual search for human connection.

The Assassin: Better known for his languid dramas, Taiwanese master Hou Hsiao-hsien ("Flowers of Shanghai") takes a surprising turn into martial-arts territory with this gorgeous period piece. Set in the 9th-century, the intricate story follows a comely, black-clad assassin (Shu Qi) who's assigned with the killing of a powerful lord she once loved. Never less than expert with her blade, she finds herself at odds with her feelings as her mission reaches its goal. Deservedly winning the Best Director award at Cannes, this is a sumptuous visual feast from beginning to end.

Beasts of No Nation: The remarkable story told by acclaimed Nigerian-American author Uzodinma Iweala gets a robust screen adaptation in this tale of violence and innocence. Set in an unnamed African country in the midst of a brutal civil war, the story centers on a young boy (Abraham Attah) who flees his village after the death of his parents, only to find himself recruited by rebel forces under the tutelage of a volatile commandant (a magnetic performance by Idris Elba). Cary Fukunaga ("True Detective") directs.

Demolition: Canadian director Jean-Marc Vallée follows the critical success of "Dallas Buyers Club" and "Wild" with another fluidly emotional study of a troubled protagonist. Jake Gyllenhaal stars as a New York banker who seems numbed by life until his wife is killed in an accident. As his grief takes the form of random acts of destruction, he forges a bond with an eccentric woman (Naomi Watts), who joins him in his mission to find himself. Blending family tragedy with unexpected humor, Vallée's film is once again a showcase for strong performances.

45 Years: The past intrudes into a marriage in this exceptional drama featuring two of the festival's greatest performances. British acting icons Charlotte Rampling and Tom Courtenay star as a married couple whose 45th anniversary is just around the corner. Celebrations begin to crumble, however, as an incident that took place before they met comes to the surface and causes new tensions to grow between them. Directed by Andrew Haigh with subtle, nuanced moments that speak volumes, the narrative builds to quietly devastating revelations.

High-Rise: Cult British director Ben Wheatley ("Kill List") offers his most ambitious and accomplished project yet with this gleeful adaptation of J.G. Ballard's novel. Set in the 1970s, the story unfolds in a modern apartment tower where residents ranging from aristocratic architects to bellicose middle-class documentaries simmer and clash. Tom Hiddleston stars as a respectable doctor navigating his way between floors as the social order quickly descends into barbarism. Anarchically dismantling conventional values, Wheatley 's film is a subversive blast.

Jafar Panahi's Taxi: Last seen turning his own imprisonment into art in "This Is Not a Movie" and "Closed Curtain," the great Iranian filmmaker Jafar Panahi takes his reflexive vision to the streets in this multi-layered yet breezy film. Playing himself as a good-humored chronicler of his (and his nation's) predicaments, Panahi drives through Tehran in a taxi cab, talking to friends and clients that include a seller of pirated DVDs and a pair of grouchy old women carrying fishbowls. The result is a vibrant snapshot of contradictory life that's nevertheless full of hope.

Office: One of the most eccentric-sound movies of the festival, this 3-D musical from Hong Kong action director Johnnie To ("Drug War") lives up to its strangeness as a delightful romp about business intrigue. Set in a huge corporate building where financial crises are never far off, the breathlessly paced story traces the crisscrossing paths of powerful CEOs and stockholders as well as struggling and romantic young upstarts. Featuring a cast that includes Sylvia Chang and Chow Yun-fat and endlessly inventive visuals and songs, To's movie is a pop dazzler.

Spotlight: Surely one of the films to turn up at next year's Academy Awards ceremony, this engrossing newspaper drama chronicles a shocking true-life story with straightforward polish. Set in 2001, it follows a group of diligent Boston Globe reporters as they uncover offenses involving the local Catholic Church. As they piece together evidence in a style that's reminded critics of "All the President's Men," a web of scandal emerges. With a superb cast that includes Michael Keaton and Mark Ruffalo, this is director Tom McCarthy's most acclaimed film yet.

Sunset Song: A specialist in highly personal, stylistically and emotionally flowing films, the great British filmmaker Terence Davies ("The Long Day Closes," "The House of Mirth") tackles Lewis Grassic Gibbon's classic Scottish novel in this lush, exquisitely rendered drama. Agyness Deyn stars as a comely, vivacious farm lass in the years leading up to World War I, struggling with her domineering father (Peter Mullan) while finding love with a tenderhearted beau (Kevin Guthrie). A profound vision of tragedy and grace, this may be the festival's best film.

 

[headlines]
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News Briefs---

Verona man arrested, allegedly stole identity of New York Mets executive in a Lease Ponzi scam
http://www.northjersey.com/news/crime-and-courts/verona-man-arrested-allegedly-stole-identity-of-new-york-mets-executive-1.1419330

Former La Jolla Bank officials admit bribes, taxpayers absorb $1 billion loss
http://fox5sandiego.com/2015/09/25/former-la-jolla-bank-officials-admit-bribes-taxpayers-absorb-1-billion-loss/

Boehner departure sparks renewal urgency for Ex-Im Bank backers
http://www.reuters.com/article/2015/09/25/usa-boehner-eximbank-idUSL1N11V27S

Captives, independents see solid gains in auto loan, lease accounts
http://www.autonews.com/article/20150923/FINANCE_AND_
INSURANCE/309239952/captives-independents-see-solid-gain
s-in-auto-loan-lease-accounts

Lane strategy has CarMax primed to buy off-lease units
Company dealerships turned 477,522 Units by June 30th
http://www.autoremarketing.com/wholesale/lane-strategy-has-carmax-primed-to-buy-off-lease-units

How Pope Francis turned around troubled Vatican bank
"bank's profits $3.9 MM 2013/ $75.5 MM last year 
http://www.cbsnews.com/news/how-pope-francis-turned-around-troubled-vatican-bank/

Narendra Modi, Indian Premier, Courts Silicon Valley to Try to Ease Nation’s Poverty
http://www.nytimes.com/2015/09/28/technology/narendra-modi-prime-minister-of-india-visits-silicon-valley.html?_r=0

North America's largest independent material handling lessor
Pacific Rim Capital Celebrates Its 25th Anniversary
http://www.prnewswire.com/news-releases/pacific-rim-capital-celebrates-its-25th-anniversary-300149347.html

 

 


[headlines]

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



--You May Have Missed It

Does leasing a containerized data center make sense?
http://www.zdnet.com/article/does-leasing-a-containerized-data-center-make-sense/


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

SparkPeople--Live Healthier and Longer



You Asked: ''What Are the Benefits of Drinking More Water?''
http://www.sparkpeople.com/blog/blog.asp?
post=you_asked_what_are_the_benefits_of_drinking_more_water


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

John W. Knight
  The game was tied in the bottom of nine
A runner on third and two out
In the dead still air a mosquito's whine
Was all you could hear, then a shout

"Do something Ben, murder the ball,
For crying out loud get a hit."
Ben strode to the plate to answer the call
The now restless fans knew this was it 

He dug in his right foot then positioned his left
And tapped the plate twice with his bat
Then he pulled it back slowly as to measure its heft
And tensed his whole frame like a cat 

The pitcher glared in, the Ump hunkered down
Then the ball on its way like a shot
Ben pulled the trigger, his body unwound
And the ball hit the bat with a "Thock" 

This is the sum that the game's all about
This instant is not just a dream
The split second physics, a hit or an out?
Each player and fan poised to scream

 


[headlines]

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


Sports Briefs----

 

Ben Roethlisberger Injury: Updates on Steelers Star's Knee and Return--to miss at least 4 weeks
http://bleacherreport.com/articles/2152543-ben-roethlisberger-injury-updates-on-steelers-stars-knee-and-return

Jets' Brandon Marshall makes 'worst play in NFL history'
http://sports.yahoo.com/blogs/nfl-shutdown-corner/jets--brandon-marshall-makes-ill-advised-pitch--fumbles-away-ball-183803886.html

Tom Brady throws 400th career touchdown pass
http://www.sbnation.com/nfl/2015/9/27/9357719/tom-brady-touchdown-milestone-400

Few questions remain about Tom Brady and the Patriots’ dominance
http://www.boston.com/sports/football/patriots/2015/09/27/few-questions-remain-about-tom-brady-and-the-patriots-dominance/4155jfEgs6pZxZPlJcuPZO/story.html?p1=takeover

Raiders hold off Browns for big 27-20 road victory
http://www.contracostatimes.com/raiders/ci_28886109/raiders-hold-off-browns-27-20

Cowboys' loss shows Brandon Weeden is out of his league
http://www.dallasnews.com/sports/dallas-cowboys/20150927-bob-sturm-cowboys-loss-shows-brandon-weeden-is-out-of-his-league.ece

49ers, Kaepernick horrible in 47-7 debacle at Arizona
http://www.mercurynews.com/49ers/ci_28886484/49ers-kaepernick-horrible-47-7-debacle-at-arizona

Seahawks’ offense overcomes slow start in rout of bumbling Bears
http://www.seattletimes.com/sports/seahawks/seahawks-grading-the-game-offense-overcomes-slow-start-in-rout-of-bumbling-bears/

Bills nearly flawless in rout of Dolphins
http://www.usatoday.com/story/sports/football/nfl/bills/2015/09/27/bills-nearly-flawless-rout-dolphins/72762344/

Ducks down: Oregon unranked for 1st time since 2009
http://espn.go.com/college-football/story/_/id/13754070/oregon-ducks-associated-press-top-25-first-2009

Leafs make more cuts to roster including Marner

http://www.torontosun.com/2015/09/27/leafs-make-more-cuts-to-roster-including-marner

 

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


California Nuts Briefs---

Nearly burned off map, Mountain Ranch fights back
http://www.sacbee.com/news/state/california/fires/article36
716694.html#emlnl=Morning_Newsletter


[headlines]
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“Gimme that Wine”

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

Staglin family raises $4.8 million for brain health
http://napavalleyregister.com/lifestyles/food-and-cooking/wine/staglin-family-raises-million-for-brain-health/article_9d77992a-738a-51e5-b997-8cfca6e19142.html

Amazon France opens online wine service
http://www.decanter.com/wine-news/amazon-france-opens-online-wine-service-275764/

How Uber Is Changing the Way Drunk People Take Wine Tours
http://munchies.vice.com/articles/how-uber-is-changing-the-way-drunk-people-take-wine-tours

Free Mobile Wine Program
http://leasingnews.org/archives/Feb2010/2_26.htm#mobile

Wine Prices by vintage
http://www.winezap.com
http://www.wine-searcher.com/

US/International Wine Events
http://www.localwineevents.com/

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

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

This Day in American History

     1542 - California is discovered by Portuguese navigator Juan Rodriguez Cabrillo who reached San Diego Bay. His birth date is unknown but is generally recognized as 1499. The Cabrillo National Monument marks his landfall and Cabrillo Day is still observed in California (in some areas on the Saturday nearest Sept 28). Cabrillo left Navidad, Mexico on June 27, and landed at what is now known as Ballast Point, San Diego, CA. He continued his explorations and discovered Santa Catalina Island, San Pedro Bay, the Santa Barbara Channel, San Francisco Bay, and other West Coast landmarks. Other Europeans had encountered the Pacific Ocean previously, including Vasco Nunez de Balboa, who had laid eyes on the Pacific in 1513, and Ferdinand Magellan, who had sailed across the Pacific in 1520-21 during the first circumnavigation of the world.  Cabrillo died at San Miguel Island, CA, Jan 3, 1543.
(Lower part of: http://memory.loc.gov/ammem/today/sep28.html )
    1781 - American forces in the Revolutionary War, backed by a French fleet, began their siege of Yorktown Heights, Va.
    1787 - The newly completed US Constitution was approved by Congress to be sent to the state legislatures to be ratified.
    1836 – The first of 3 early snows for the year hit the northeast.  Hamilton, NY had 4 inches and Ashby, MA had 2 inches.
    1850 – Brigham Young, Mormon leader, was named first governor of the territory of Utah by Pres. Fillmore.
    1856 – Kate Douglas Wiggin (d. 1923) was born at Philadelphia, PA. She helped organize the first free kindergarten on the West Coast in 1878 at San Francisco and, in 1880, she and her sister established the California Kindergarten Training School. After moving back to the east coast, she devoted herself to writing, producing a number of children’s books including “The Birds’ Christmas Carol”, “Polly Oliver’s Problem” and “Rebecca of Sunnybrook Farm”.
    1867 – Toronto becomes the capital of Ontario
http://www.lonelyplanet.com/destinations/north_america/toronto/history.htm
http://www.city.toronto.on.ca/archives/index.htm#more
http://www.blackhole.on.ca/index_history.html
  1886 – The Statue of Liberty was dedicated in New York Harbor and women were barred from the ceremony because of concerns of over- crowding and rough for the ladies.  But a group of women chartered a boat and circled the island singing and shouting women’s rights messages.
    1892 – The first night game in US football took place between Wyoming Seminary and Mansfield State Normal.
    1895 - At a convention in Atlanta, three Baptist groups merged to form the National Baptist Convention. It is today the largest African-American denomination in America and the world.
    1901 - Birthday of Ed Sullivan (d. 1974) in NYC: A well-known columnist, who lived in Port Chester, New York, and, in his day, was the King of TV variety shows.  Sullivan started his media career in 1932 as a sportswriter for the Daily News in New York. His popular variety show, “The Ed Sullivan Show” (“Toast of the Town”), ran from 1948 until 1971. It included such sensational first time public appearances from such stars as Elvis Presley and the Beatles. It is fair to say that in his day, he owned New York.
    1901 – William S. Paley (d. 1990), the founder of CBS, was born in Chicago.  Paley's father was an immigrant who ran a cigar company. As the company became increasingly successful, Paley became a millionaire, and moved his family to Philadelphia in the early 1920s.  William had graduated from the Wharton School of the University of Pennsylvania.  In 1927, Paley's father, brother-in-law and some business partners bought a struggling Philadelphia-based radio network of 16 stations called the Columbia Phonographic Broadcasting System.  The intention was to use his acquisition as an advertising medium for promoting the family's cigar business. Within a year, under William's leadership, cigar sales had more than doubled, and, in 1928, the Paley family secured majority ownership of the network from their partners. Within a decade, William S. Paley had expanded the network to 114 affiliate stations.  During World War II, Paley served in the Office of War Information, under General Eisenhower. It was while based in London during the war when Paley came to know and befriend Edward R. Murrow, CBS's head of European news. In 1946, Paley promoted Frank Stanton to president of CBS. CBS expanded into TV and rode the post-war boom to surpass NBC.
    1909 – Cartoonist Al Capp (d. 1979) was born Alfred Gerald Caplin in New Haven, CT.  He is best known for the satirical strip “Li’L Abner”.
    1912 - W.C. Handy's “Memphis Blues” is published, changing the course of American popular music.
http://memory.loc.gov/ammem/today/sep28.html
    1918 - MILLER, OSCAR F., Medal of Honor
Rank and organization: Major, U.S. Army, 361st Infantry, 91st Division. Place and date: Near Gesnes, France, 28 September 1918. Entered service at: Los Angeles, Calif. Birth: Franklin County, Ark. G.O. No.: 16, W.D. 1919. Citation: After 2 days of intense physical and mental strain, during which Maj. Miller had led his battalion in the front line of the advance through the forest of Argonne, the enemy was met in a prepared position south of Gesnes. Though almost exhausted, he energetically reorganized his battalion and ordered an attack. Upon reaching open ground the advancing line began to waver in the face of machinegun fire from the front and flanks and direct artillery fire. Personally leading his command group forward between his front-line companies, Maj. Miller inspired his men by his personal courage, and they again pressed on toward the hostile position. As this officer led the renewed attack he was shot in the right leg, but he nevertheless staggered forward at the head of his command. Soon afterwards he was again shot in the right arm, but he continued the charge, personally cheering his troops on through the heavy machinegun fire. Just before the objective was reached he received a wound in the abdomen, which forced him to the ground, but he continued to urge his men on, telling them to push on to the next ridge and leave him where he lay. He died from his wounds a few days later.
    1918 - SCHAFFNER, DWITE H., Medal of Honor
Rank and organization: First Lieutenant, U.S. Army, 306th Infantry, 77th Division. Place and date: Near St. Hubert's Pavillion, Boureuilles, France, 28 September 1918. Entered service at: Falls Creek, Pa. Birth: Arroya, Pa. G.O. No.: 15, W.D., 1923. Citation: He led his men in an attack on St. Hubert's Pavillion through terrific enemy machinegun, rifle, and artillery fire and drove the enemy from a strongly held entrenched position after hand-to-hand fighting. His bravery and contempt for danger inspired his men, enabling them to hold fast in the face of 3 determined enemy counterattacks. His company's position being exposed to enemy fire from both flanks, he made 3 efforts to locate an enemy machinegun which had caused heavy casualties. On his third reconnaissance he discovered the gun position and personally silenced the gun, killing or wounding the crew. The third counterattack made by the enemy was initiated by the appearance of a small detachment in advance of the enemy attacking wave. When almost within reach of the American front line the enemy appeared behind them, attacking vigorously with pistols, rifles, and hand grenades, causing heavy casualties in the American platoon. 1st Lt. Schaffner mounted the parapet of the trench and used his pistol and grenades killing a number of enemy soldiers, finally reaching the enemy officer leading the attacking forces, a captain, shooting and mortally wounding the latter with his pistol, and dragging the captured officer back to the company's trench, securing from him valuable information as to the enemy's strength and position. The information enabled 1st Lt. Schaffner to maintain for S hours the advanced position of his company despite the fact that it was surrounded on 3 sides by strong enemy forces. The undaunted bravery, gallant soldierly conduct, and leadership displayed by 1st Lt. Schaffner undoubtedly saved the survivors of the company from death or capture.
    1918 - STOWERS, FREDDIE, Medal of Honor
Corporal Stowers, a native of Anderson County, South Carolina, distinguished himself by exceptional heroism on 28 September 1918, while serving as a squad leader in Company C, 371st Infantry Regiment, 93rd Infantry Division. His company was the lead company during the attack on Hill 188, Champagne Marne Sector, France, during World War I. A few minutes after the attack began, the enemy ceased firing and began climbing up onto the parapets of the trenches, holding up their arms as if wishing to surrender. The enemy's actions caused the American forces to cease fire and to come out into the open. As the company started forward and when within about 100 meters of the trench line, the enemy jumped back into their trenches and greeted Corporal Stowers' company with interlocking bands of machine gun fire and mortar fire causing well over fifty percent casualties. Faced with incredible enemy resistance, Corporal Stowers took charge, setting such a courageous example of personal bravery and leadership that he inspired his men to follow him in the attack. With extraordinary heroism and complete disregard of personal danger under devastating fire, he crawled forward leading his squad toward an enemy machine gun nest, which was causing heavy casualties to his company. After fierce fighting, the machine gun position was destroyed and the enemy soldiers were killed. Displaying great courage and intrepidity, Corporal Stowers continued to press the attack against a determined enemy. While crawling forward and urging his men to continue the attack on a second trench line, he was gravely wounded by machine gun fire. Although, Corporal Stowers was mortally wounded, he pressed forward, urging on the members of his squad, until he died. Inspired by the heroism and display of bravery of Corporal Stowers, his company continued the attack against incredible odds, contributing to the capture of Hill 188 and causing heavy enemy casualties. Corporal Stowers' conspicuous gallantry, extraordinary heroism and supreme devotion to his men were well above and beyond the call of duty, follow the finest traditions of military service and reflect the utmost credit on him and the United States Army.
    1920 - Eight members of the 1919 Chicago White Sox were indicted by a grand jury in Chicago on charges that they conspired to fix the 1919 World Series and allowed the Cincinnati Reds to win. According to Wikipedia, on this day, Eddie Cicotte and Shoeless Joe Jackson confessed their participation in the scheme to the grand jury. White Sox owner Charles Comiskey immediately suspended the eight. They were acquitted, but were nevertheless banned from baseball for life by the new and first Commissioner of Baseball, Kennesaw Mountain Landis.
    1928 - Glen Gray's orchestra recorded “Under a Blanket of Blue”, with Kenny Sargeant on vocals.
    1930 - Lou Gehrig's errorless streak ends at 885 consecutive baseball games. The winning pitcher is Babe Ruth, beating the Red Sox 9-3.
    1934 - Birthday of French sex symbol Brigitte Bardot, born Camille Javal, Paris, France.
http://www.triviatribute.com/brigittebardot.html
http://www.jon-aristides.com/brigitte.html
http://www.silverscreensirens.com/brigitte.htm
    1937 - President Franklin D. Roosevelt dedicates Bonneville Dam on Columbia River,  Oregon.
http://www.ohwy.com/or/b/bonnedam.htm
http://www.cqs.washington.edu/crisp/hydro/bon.html
    1938 – Birthday of Ben E. King (d. 2012) born Benjamin Earl Nelson, Singer, songwriter, Henderson, NC.
    1939 - America's most noted woman pilot, Jacqueline Cochran, wrote Eleanor Roosevelt to suggest women pilots could release American men pilots for combat duty in the war that was certainly coming. It would take until July 2, 1941 for a meeting to be scheduled between them.  Mrs. Roosevelt then asked President Franklin Roosevelt to join the discussion. The President agreed to Cochran's plan but politics would hold up implementation of the WASP program for another year.
    1941 - Ted Williams of the Boston Red Sox, starting the day with a batting average of .3995, went six-for-eight in a doubleheader against the Philadelphia Athletics to finish the season with a batting average of .406.   This is the last time a Major Leaguer finished the season with a batting average above .400.  Williams rejected manager Joe Cronin's suggestion to sit out the day and have his average rounded up to .400. He went four-for-five in the first game to raise his average to .4040 and got two hits in three at-bats in the nightcap.
    1942 - BAUER, HAROLD WILLIAM, Medal of Honor
Rank and organization: Lieutenant Colonel, U.S. Marine Corps. Born: 20 November, 1908. Woodruff, Kans. Appointed from: Nebraska. Citation: For extraordinary heroism and conspicuous courage as Squadron Commander of Marine Fighting Squadron 212 in the South Pacific Area during the period 10 May to 14 November 1942. Volunteering to pilot a fighter plane in defense of our positions on Guadalcanal, Lt. Col. Bauer participated in 2 air battles against enemy bombers and fighters outnumbering our force more than 2 to 1, boldly engaged the enemy and destroyed 1 Japanese bomber in the engagement of 28 September and shot down 4 enemy fighter planes in flames on 3 October, leaving a fifth smoking badly. After successfully leading 26 planes on an over-water ferry flight of more than 600 miles on 16 October, Lt. Col. Bauer, while circling to land, sighted a squadron of enemy planes attacking the U.S.S. McFarland. Undaunted by the formidable opposition and with valor above and beyond the call of duty, he engaged the entire squadron and, although alone and his fuel supply nearly exhausted, fought his plane so brilliantly that 4 of the Japanese planes were destroyed before he was forced down by lack of fuel. His intrepid fighting spirit and distinctive ability as a leader and an airman, exemplified in his splendid record of combat achievement, were vital factors in the successful operations in the South Pacific Area.
    1944 - ROEDER, ROBERT E., Medal of Honor
Rank and organization: Captain, U.S. Army, Company G, 350th Infantry, 88th Infantry Division. Place and date: Mt. Battaglia, Italy, 27-28 September 1944. Entered service at: Summit Station, Pa. Birth: Summit Station, Pa. G.O. No.: 31, 17 April 1945. Citation: for conspicuous gallantry and intrepidity at risk of life above and beyond the call of duty. Capt. Roeder commanded his company in defense of the strategic Mount Battaglia. Shortly after the company had occupied the hill, the Germans launched the first of a series of determined counterattacks to regain this dominating height. Completely exposed to ceaseless enemy artillery and small-arms fire, Capt. Roeder constantly circulated among his men, encouraging them and directing their defense against the persistent enemy. During the sixth counterattack, the enemy, by using flamethrowers and taking advantage of the fog, succeeded in overrunning the position Capt. Roeder led his men in a fierce battle at close quarters, to repulse the attack with heavy losses to the Germans. The following morning, while the company was engaged in repulsing an enemy counterattack in force, Capt. Roeder was seriously wounded and rendered unconscious by shell fragments. He was carried to the company command post, where he regained consciousness. Refusing medical treatment, he insisted on rejoining his men although in a weakened condition, Capt. Roeder dragged himself to the door of the command post and, picking up a rifle, braced himself in a sitting position. He began firing his weapon, shouted words of encouragement, and issued orders to his men. He personally killed 2 Germans before he himself was killed instantly by an exploding shell. Through Capt. Roeder's able and intrepid leadership his men held Mount Battaglia against the aggressive and fanatical enemy attempts to retake this important and strategic height. His valorous performance is exemplary of the fighting spirit of the U.S. Army.
    1945 - Robert Todd Duncan (1903-98), a baritone of Washington, DC, became the first African-American opera singer to sing a white role with a white cast, appearing as Tonio in “I Pagliacci”, and then as Escamillo in “Carmen” on September 30 in the New York City Opera Company's presentation at the City Center of Music and Drama, New York City.
    1951 – The Yankees’ Allie Reynolds pitched his second no-hitter of the season, blanking the Red Sox, 8-0.  In the second game of the doubleheader, the Yanks clinched the AL pennant, their third in a row.
    1951 – CBS launches the first color TVs for sale to the general public, but the product is discontinued less than a month later.
    1954 - Top Hits
“Sh-Boom” - The Crew Cuts
“Hey There” - Rosemary Clooney
“Shake, Rattle and Roll” - Bill Haley & His Comets
“I Don't Hurt Anymore” - Hank Snow
    1958 - "To Know Him Is To Love Him" by the Teddy Bears, composed and arranged by 18 year old Phil Spector is released on Dore Records. The title is taken from the inscription on Spector's father's tombstone. The song makes it up to Number One by the end of the year.  Spector also sang the song with the other Teddy Bears, Marshall Loeb and Annette Kleinbard.
    1958 - With 7 hits in his last 11 at-bats, Red Sox outfielder Ted Williams wins his sixth and final batting title, becoming the first 40-year old to lead the league in hitting. The Splendid Splinter's .328 batting average beats out his teammate Pete Runnels, who goes 0-for-4 today and ends up with .322.
    1961 - “Hazel” premiered on TV, based on a comic strip of the same name about a maid working for the Baxter family who gets into everyone's business. Hazel was played by Shirley Booth, and the Baxters were played by Don DeFore, Whitney Blake and Bobby Buntrock. “Hazel” moved from NBC to CBS after the third season and Hazel switched families from George to younger brother, Steve Baxter. These Baxters were played by Ray Fulmer, Lynn Borden and Julia Benjamin. Buntrock and Booth remained. This very successful series also featured Maia Powers and Ann Jillian.
    1961 - On NBC, Richard Chamberlain sang the top-10 hit song "Theme from Dr. Kildare (Three Stars Will Shine Tonight)", and played the part of the handsome, young doctor on NBC. Raymond Massey co-starred in the medi-drama. A year into the show's run, Chamberlain's "Theme from Dr. Kildare" became a hit. On MGM, he also sang "Love Me Tender" and "All I Have to Do is Dream" in 1962 and 1963.
    1961 - A military coup effectively ends the United Arab Republic, the union between Egypt and Syria.
    1962 – US Circuit Court of Appeals orders James Meredith admitted to U of Mississippi.
http://www.olemiss.edu/depts/english/ms-writers/dir/meredith_james/
    1962 - Top Hits
“Sheila” - Tommy Roe
“Ramblin' Rose” - Nat King Cole
“Green Onions” - Booker T. & The MG's
“Devil Woman” - Marty Robbins
    1963 - The legendary New York disc jockey Murray The K receives a copy of The Beatles' "She Loves You" and plays it on the radio. It is believed to be the first Beatles song ever played in the U.S,
    1963 - The Beach Boys' "Little Deuce Coupe" peaks at #15 on the singles chart.
    1968 - The Beatles' "Hey Jude" hits #1 on the singles chart, a position it will hold for 9 weeks. At 7 minutes 11 seconds, it was the longest song ever to hit the Billboard Hot 100 chart, an honor it held until Richard Harris' "MacArthur Park" in 1972 clocked in at 7:20.
    1970 - Top Hits
“Ain't No Mountain High Enough” - Diana Ross
“Lookin' Out My Back Door/Long as I Can See the Light” - Creedence Clearwater Revival
“Julie, Do Ya Love Me” - Bobby Sherman
“There Must Be More to Love Than This” - Jerry Lee Lewis
    1970 - Eric Burdon and War are awarded a Gold record for "Spill the Wine".
    1973 - The Rolling Stones appear on the premiere of Don Kirschner's Rock Concert on ABC, performing "It's Only Rock N' Roll (But I Like It)," marking their first appearance on US television in six years.
    1974 - "Rock Me Gently" by Andy Kim topped the charts and stayed there for a week.
    1974 - Bad Company's self-titled LP hits #1
    1974 – Nolan Ryan of the California Angels pitched his third of seven career no-hitters, striking out 15 and beating the Minnesota Twins, 4-0, in Anaheim.
    1975 - For the first time in Major League history, four pitchers combined on a no-hitter when Vida Blue, Glenn Abbott, Paul Lindblad, and Rollie Fingers of the Oakland A’s blanked the Angels, 5-0, on the final day of the season.
    1976 - World heavyweight boxing champion Muhammad Ali won a unanimous 15-round decision over Ken Norton at Madison Square Garden in New York City.
    1978 - Top Hits
“Boogie Oogie Oogie” - A Taste of Honey
“Kiss You All Over” - Exile
“Hopelessly Devoted to You” - Olivia Newton-John
“I've Always Been Crazy” - Waylon Jennings
     1982 - Poisoning of store merchandise, the first of its kind to have resulted in numerous deaths, took place in and around Chicago, IL.  In a three-day period form September 29 to October 1, 1982, several people died after taking Tylenol, a brand of acetaminophen, which they had bought at local drugstores and supermarkets. A murder who was never apprehended had removed the bottles from store shelves, opened them, added cyanide to the capsules of Tylenol, and replaced them in the stores. The poisonings led to the introduction of wraps and seals on all pharmaceutical products and many other products as well.
    1985 - Phil Collins' "Don't Lose My Number" peaks at #4 on the singles chart.
    1986 - Top Hits
“Stuck with You” - Huey Lewis & The News
“Friends and Lovers” - Gloria Loring & Carl Anderson
“Walk This Way” - Run-D.M.C.
“In Love” - Ronnie Milsap
    1988 – Orel Hershiser of the Dodgers threw ten shutout innings against the San Diego Padres extending his streak of scoreless innings to 59 and breaking the record set by Don Drysdale in 1968.
    1988 - The first American women to ascent Mount Everest were Stacy Allison of the Northwest American Everest Expedition and Peggy Luce, was who part of the same expedition, who completed her ascent two days later. Both used the South Col route.
    1989 - Jimmy Buffett publishes a book of short stories entitled, "Tales from Margaritaville."
    1989 - Thunderstorms over northeastern Florida drenched Jacksonville with 4.28 inches of rain between midnight and 6 AM EDT. Unseasonably cool weather prevailed in the northeastern U.S. Five cities reported record low temperatures for the date, including Binghamton, NY with a reading of 30 degrees. Morning lows were in the 20s in northern New England. Unseasonably mild weather prevailed in the northwestern U.S., with afternoon highs in the upper 70s and 80s. In Oregon, Astoria reported a record high of 83 degrees
    1991 - R.E.M.'s "Shiny Happy People" peaks at #10 on the singles chart.
    1991 - Dire Straits' "On Every Street" enters the LP chart.
    1991 - "Good Vibrations" by Marky Mark & the Funky Bunch topped the charts and stayed there for 2 weeks.
    1991 - Garth Brooks becomes the first Country artist to enter the Billboard Hot 200 album chart at number one. His "Ropin' the Wind", a collection of Pop and Country tunes, had advance orders of over 4 million copies.
    1995 – Greg Harris of the Montreal Expos became the first pitcher to pitch with both hands in the 20th century. He faced four batters, two from his usual right side and two from the left, in the 9th inning of a 9-7 loss to Cincinnati.
    2001 - In the first home game at Wrigley since the terrorist attacks on America, Sammy Sosa, after hitting his 59th home run of the season, pulls out a small American flag and waves it as he circles the bases. After scoring and making a curtain call from the dugout, the Cub slugger continues to wave Old Glory.
    2001 - On a night he hits his 68th round tripper of the season in quest of Mark McGwire's single season home run record, Barry Bonds is walked for the 163rd time breaking 'Big Mac's' 1998 National League record for bases on balls. The major league record of 170 walks held by Babe Ruth was broken later that year by Bonds who finished with 177.  Bonds also set the MLB HR record, finishing with 73.
    2003 - Ron Santo, the team's radio color commentator joins Hall of Famers Ernie Banks and Billy Williams becoming third player to have his number retired by the Cubs. The former third baseman, who spent 14 of his 15-year career with the Chicago (1960-73), will have his uniform #10 below Ernie Banks' on the left-field foul pole.
    2003 – Derek Jeter was named by owner George Steinbrenner to be the 11th captain in Yankees history.
    2004 - A Beverly Hills tribute concert in honor of Ray Charles, featuring Stevie Wonder, Michael McDonald, James Ingram, and Patti Austin, raises $15 million for Atlanta's African-American institution, Morehouse College.
    2008 – The New York Metropolitans closed out the Shea Stadium era with a 4-2 loss to the Florida Marlins.
    2012 – Homer Bailey of the Reds pitched the seventh no-hitter of the season, beating the Pirates, 1-0. The seven no-hitters this year tie the modern record set in 1990 and 1991.
    2014 - For the second straight season, a pitcher tossed a no-hitter on the last day of the regular season. After Henderson Alvarez last year, Jordan Zimmerman did the trick as the Washington Nationals beat Miami, 1-0, after rookie left fielder Stephen Souza made a leaping catch to rob the last hitter and preserve the no-no.  It was the first no-hitter in Nats history, although they recorded four such games when they were the Montreal Expos.

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Top Stories

(chronological order)

- ELFA Release Two Financial Models
   on Two Proposed Lease Accounting Changes
- California SB 197 --- Do Pass as Amended
   From Committee (Ayes 10, Noes 0)
- Tom McCurnin on Wall of Famous Palm Restaurant
- Jeff Rudin Family Adopts Mindy
- Top Five Leasing Company Web Sites
  in North America
- Leasing News Bulletin Board Update
   Hawkins Counter Sues $50,000 Judgement
Fed Chair Asks Cobra Capital for a Survey
- Apple Moves to Direct Financing
     Leasing News Exclusive
- How Many Types of Leases?
- OnDeck Capital Hit with Several Law Suits
- President of EAR Sentenced to Five Years
- Stick Mobility--Yoga to the Next Level
  New Exercise for Individuals or Groups
- President of EAR Sentenced to Five Years
- Does Thomas Anderson Believe Latest Press Release?
    Balboa Capital Receives High Marks in Customer Service
- Dale Kluga Sees Alternate Finance Bubble Ahead
   Concerned History is Repeating Itself
- 79 page 10Q SEC Filing Marlin Business Services
    What Was Not Fully Covered in the Press Release
- "Call to Action"
  Scott A. Wheeler, CLFP, Book a Big Hit
- Marlin Business Bank Loan Website Requirements - Really?
- The top 50 brands in Quick Service and Fast Casual
- Will Voice Mail Become Part of the Past?
- FinPac, Alumni, Friends Get Together, Puget Sound
- 10 Tips to Boost Equipment Sales with Leasing
- Feds Approve CIT Acquiring OneWest Bank
- Ascentium Capital Continues to Outpace its Competitors
- Scott Wheeler's Latest Book Released
  "Call to Action"
- Charlie Chan on Balboa Capital
- The Volume Produced by Alternate Finance is Astounding
   Changing the Way Credit Decision Are Being Made
- NAELB Leasing School Says it is Time
- All Wireless Phones to Have Anti-Theft Devices
- Dan Baldwin Forms "Cloud Broker Association"
- CLFP Foundation Breaks Record, Plus 18 New Members
- FDIC Cases Against Failed Bank Directors & Officers 26 to Date
- Senior Vice President Sentenced to Federal Prison
    Loss to Bank was $991,680
- Web App with Calculator for Vendors- One Month Free Trial
- Equipment Finance Decision Maker Survey Results:
   Vendor & Small Biz
- California Proposed Law Update:
    Third Party Originators: No License Needed
- Bank Officer Gets One Year/$174,000 Judgment
- Bank of America to close drive-up tellers at 12 branches
- First American Equipment Makes it 40 CLFP's
- Ironic that Peek is at Bank of America and Thain is at CIT
- 182 Bank Officers Plus Investigated by SIGTARP
- Element Financial Tearing Up the US Market
- Which States Finance the Most Equipment
- New IdentityTheft.gov Website
- Lease One Tagged for Fraud in Lease Commitment
     by Tom McCurnin, Leasing News Legal Editor
- Three New Bulletin Board Complaints
    US Business Funding, Newport Beach, California
- Verhelle Founds Harvard Partners, LLC
- Business Loans/Cash Advance Increase
- Subject: Need a corporation 3-7 years old? Reaction
- Financial Pacific Leasing Digitizes
   End-to-End Transaction Lifecycle with DocuSign & eOriginal
- What You Didn’t See in the Marlin Leasing Press Release
- Directions to Stop Unwanted Calls and Texts to Your Mobile Phone
- "Your lease rates are too high"
- Bulletin Board Complaint
   Balboa Capital, Irvine, California
- Provide “Added Value” by Protecting Your Customer
    Get Repeat Customer/Vendor Business with These Tips
      By Christopher Menkin
- Reader Complaint About LEAF Financial Investment (Collection)
- 2015 U.S. Digital Future in Focus
     by comScore
- Report: “The Impact of Alternative Financing on the
    Equipment Leasing and Finance Industry"
- The Equipment Leasing and Finance Foundation Releases
 study "Digital Documents in the Equipment Finance Industry”
- Bulletin Board Complaint Matrix Business Capital
    First Response to Cease & Desist
- US Business Funding, Newport Beach, California
  Bulletin Board Complaint $5,915 Deposit Made in 2013
- Loan/Lease Regulations --- Update
   Don’t Have a License? Not Caught, You’re Lucky, so Far
- Update--Balboa Files: "It was an Operating Lease"
   By Tom McCurnin and Frank Peretore 
- Leasing Brokers: When May You Collect a Commission?
- Bulletin Board Complaint
    Integrity Financial Groups, Alpine, Utah
- “Capital” or “Finance” in Name, Better Have a License
- Bulletin Board Complaint
  Brian Acosta/Matrix Business Capital
- Maricle Found Guilty in Not Returning Advance Fees  
- Balboa Capital Sued in Federal Court for
        Bait and Switch Sales Tactics
- Details, Details...How Important are they?
   Very, When the Lessor Sneaks in a Blanket Lien
- What is Leasing?
    Legal Definitions by Leasing News Legal Editor Tom McCurnin
- Invest in Your Country
  U.S. Savings Bonds
- How to be a “Leasing Expert Witness”
    and Make Extra Income
- 2014 Survey Reports Expert Witness Hourly Fees
    Record All-Time Highs
- Your Photograph on LinkedIn.com
Use a Password Generator
- Banks Turn Toward Leasing for More Profit
- Why Leasing News is Different
- Take Your Banker to Lunch
- Look Out!!! --Two Evergreen/PRR Clause Lessors Merge
   Onset Financial/Mazuma Capital
- Lease Police Tips on Judging Vendors
- Netiquette: Rules of Behavior For Email and the Internet
- Alert: Rudy Trebels Back Soliciting Broker Business
- HL Leasing/John Otto--Update
- NorVergence- Year end, 2013
- Twelve Lawyers Against Evergreen Clause Abuse
- Wants to Go After Lessors and Their Attorneys
   Re: Evergreen Clause Abuses
- Sample of Usury Laws in United States
- Balboa Capital Class Action Case Settled--$5 million?
- Old Cowboy On His Horse
- Leasing Brokers: When May You Collect a Commission?
- Is Long Term Leasing Dead?
- 5 Ways Women Are Better Bosses Than Men
- Balboa Capital, Irvine, California
   $20,543.22 Bulletin Board Complaint
   Alleged “Bait and Switch”
- Female Lease Finance Association Presidents
- Broker’s Responsibility to Obtain
    California Lender’s License
- The Day that Albert Einstein Feared May Have Finally Arrived
- Equipment Finance Agreements Explained/Barry S. Marks
- Royal Links "True Lease" Court Ruling
- "The Memory Shock" –New Book by Barry Reitman
- Mazuma and Republic Bank Get Snared on PRR Provision
   by Tom McCurnin, Esq.
- 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
- Republic Bank out of leasing?
- Charles Schwartz and Allied Health
- Copier Wars---It's more than the lease payment
    by Christopher Menkin
- Leasing Gypsies
- Verifying Tax Returns
- 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