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Friday, July 30, 2021


Today's Leasing News Headlines

Balboa Capital Reports 93% Year-Over-Year Increase
    in Q2 Originations, Hires 25 New Employees
New Hires/Promotions in the Leasing Business
    and Related Industries
Leasing Industry Ads
    These Companies had Excellent Second Quarter, 2021
Six-Month Leasing/Finance Associations'
    Membership Count and by Category
LinkedIn posts first $10 billion Year, 5 Years
  After Microsoft Deal, But Profits Remain a Mystery
    By Tod Fisher, Geekwire
Pfizer Gets a Booster Shot from its COVID-19 Vaccine
    Pizer's Annual Revenue since 2016
DLL Closes Eighth U.S. Securitization Transaction
    at $1 Billion
Kwipped Data Confirms Post-Pandemic Recovery Trend
    for Restaurant/Food Services Industry
Bringing Up Baby/Deep Cover/Mirror
  Nightmare Alley/Pickup on South Street
     Restored Classics Chosen by Fernando Croce
Alaskan Malamut
    Roseville, California  Adopt-a-Dog
Shifting and Transitioning into a Post Pandemic World
    ELFA Innovation Roundtable  August 26, 2021
News Briefs---
Marlin Business Services Report $10.3M 2nd Quarter
    Compared to Net Loss of $5.9 million Previous Q Last Year
Google and Facebook Mandate Vaccines
    For Employees at U.S. Offices
COVID Resurgence Shuts down Twitter’s SF Bay Area Offices
    and New York Offices
Biden Announces COVID-19 Vaccine Rules for Federal Workers
    Get Vaccinated or Get Tested Regularly
Las Vegas to Require Masks Indoors
    Including on Casino Floors
SBA will directly handle PPP loan forgiveness
     so banks don’t have to
McDonald's emerges stronger from the pandemic
   drive-thru orders, carryout and, increasingly, delivery

You May have Missed---
FT Partners Q2 2021 Fintech Insights
    Global Financing and M&A Statistics (87 pages)


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

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

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

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


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

Balboa Capital Reports 93% Year-Over-Year Increase
in Q2 Originations, Hires 25 New Employees

Leading direct lender posts strong Q2 numbers, expands staff
to meet growing demand for its small business funding solutions.

COSTA MESA, CALIFORNIA - Balboa Capital, a leading provider of equipment financing and small business loans in the United States, today announced financial results for its fiscal 2021 second quarter ending June 30, 2021. In Q2 2021, the company achieved 93% origination growth over Q2 2020. Additionally, the company added 25 new employees during Q2 2021, a 56% increase in hiring over Q2 2020.


Phil Silva, President of Balboa Capital, said, “Despite the challenges that small businesses faced last year, they are rebounding in 2021 as the economy continues to accelerate and build upon this wave of momentum

 “There has never been a better time for our nation’s resilient business owners to have easy access to growth capital, and Balboa Capital continues to deliver. The strong demand for our small business funding products helped us post impressive quarter-over-quarter growth. We are proud of this performance because it supports our strategic goals, reinforces our position as a leading independent financing company, and enables us to keep providing small business owners with funding that will fuel the success of their businesses.”

Mr. Silva noted that Balboa Capital expanded its staff to meet the needs of its customers and equipment vendor partners.

“Providing responsive account management, attentive customer service and delivering easy and convenient funding requires top-notch talent, he said. “We expanded our sales, operations, funding and customer service departments in Q2 with some truly talented, team-oriented and experienced individuals.”

About Balboa Capital 
Balboa Capital is a technology-driven financing company that provides business owners with fast, hassle-free solutions to fuel their growth and success. The company specializes in small business loans, equipment financing, commercial financing, equipment vendor financing, and franchise financing. Balboa Capital developed an intuitive online platform that simplifies the entire financing process. Calculators provide instant estimates, applications can be completed and submitted in a matter of minutes, and sophisticated credit scoring technology provides instant decisions. To learn more, visit https://www.balboacapital.com.

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




[headlines]
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New Hires/Promotions in the Leasing Business
and Related Industries


Michael Ash was promoted to Senior Vice President, Managing Director, Capital Markets & Regional Originations, Signature Financial, New York, New York. "In this position, Ash will focus on further building the Capital Markets business through the acquisition of loans and leases from Capital Markets clients (Buy Side) while retaining his current responsibilities for the syndication of transactions by Signature Financial (Sell Side). Additionally, he will continue to lead the regional originations sales team, which provides support for Signature Bank’s New York-area bankers while originating assets independently." He joined the firm August, 2013, as Capital Markets Director, promoted January, 2019, Group Director, Regional Originations and Syndications.  Previously, he was Syndication Manager, Vice President, U.S. Bancorp Equipment Finance (October, 2010 - August, 2013); Syndication Manger, Wells Fargo Equipment Finance, Inc. (1995 - October, 2010); Vice President, Charter Financial now Wells Fargo Equipment Finance (1995 - 2000); Area Vice President, CIT Group (1991 - 1995).  Education: NYU Stern School of Business, MBA, Finance (1995 - 2000).  Lehigh University, Bachelor of Arts (BA) (1967 - 1991).
https://www.linkedin.com/in/michael-ash-5472255/


Steve Ayers was hired as Vice President, Commercial Banking Officer, D.L. Evans Bank, Salt Lake City, Utah.  Previously, he was Vice President, Commercial Banking Officer, Branch Manager, Altabank (December, 2018 - July, 2021); Vice President, Lease Credit and Syndication Officer, Growth Funding Equipment Finance, Bank of American Fork, a Division of People's Intermountain Bank (December, 2017 - December, 2018); Vice President, Commercial Officer, Capital Community Bank (October, 2016 - December, 2017); Lease Manager, Vice President, Prime Alliance Bank (August, 2012 - October, 2016);
Commercial Loan Officer, Vice President, Bank of Utah (August, 2010 - August, 2012); Vice President, Commercial Officer, AmericanWest Bank (March, 2007 - August, 2010); Credit Analyst/Commercial Loan Officer, Vice President, Zions Bank (August, 2000 - March, 2007). Volunteer: Scout Master/Varsity-Venture Leader, Boy Scouts of America (February, 1997 - December, 2019). Education: Pacific Coast Banking School, University of Washington (2014 - 2016). University of Washington, Extension Certificate, Executive Leadership (2014 - 2016). University of Utah, David Eccles School of Business, Bachelor's Degree, Finance (1998 - 1999).  Salt Lake Community College, Associate's degree, Business/Commerce, General (1994 - 1998).
https://www.linkedin.com/in/steve-ayers-9a193750/

Bobby Campbell was promoted to Senior Vice President, Managing Director, Operations and Strategic Development, Signature Financial, Melville, New York. "(He)...will be responsible for overseeing Signature Financial’s overall operations, reporting, technology and systems as well as interfacing with Signature Bank’s accounting, finance, information technology and auditing groups. Campbell also will spearhead strategic development initiatives for Signature Financial, including advancing technology to enhance business efficiencies and elevate the client experience as well as new business platform planning among other strategic efforts."  He joined the firm May, 2010 as Capital Markets Account Manager, promoted August, 2015, Vice President, Capital Markets, promoted September, 2018, Director, Capital Markets.  Previously, he was Specialty Lending Finance Manager, Capital One (May, 2010 - August, 2012); Proprietary Equity and Options Trader, Kershner Trading Group and Avatar Securities (2008 - April, 2010); NYSE Specialist, Spear, Leeds and Kellogg (April, 2001 - August 2007). Education: Duke University, BA, Economics (1996 - 2000).  Activities and Societies: Quarterback, NCAA Division/Football.
 https://www.linkedin.com/in/bobby-campbell-a248b66/


Megan Lyman was hired as Business Lending Sales and Relationship Management Manager, Wells Fargo, Des Moines, Iowa.  She joined Wells as Business Lending Sales Support,  September, 2012; promoted October 2013, as Loan Administration Manager. Previously, she was Manager and Iowa Area Sales Trainer, Cellular Advantage, Inc. (April, 2004 - September, 2011); Rooms Manager, Renaissance Savery Hotel (February, 2002 - April, 2004); Front Office Manager, Four Points by Sheraton (May, 2001 - March, 2002).  License: Iowa Assisted Living Association Administrator, Iowa Assisted Living Association.  Issued October, 2011. No Expirations Date.  Volunteer: Secretary, Capital City Price (January, 2008 -July, 2010). Civil Rights and Social Action.  Education: College of DuPage, General Education (1999 - 2001). Explored secondary education and hospitality management. Glenbard South High School, Diploma (1996 - 1999).  Activities and Societies: Yearbook Editor, Badminton Team, Concert Choir. https://www.linkedin.com/in/megan-lyman-a4134112/


Stewart Moore was hired as Vice President, Business Development, Sertant Capital, Newport Beach, California. He is located in Birmingham, Alabama. Previously, he was Senior Vice President and Area Manager, Sterling National Bank, Equipment Finance (January, 2020 - August, 2020); Area Manager, Senior Vice President, Santander Bank, Corporate Equipment Finance (September, 2017 - January, 2020); Area Manager, Commerce Bank Equipment Finance (March, 2015 - September, 2017); Area Manager, U.S. Bank Equipment Finance (August, 2010 - February 2015); Director/Territory Manager, Wachovia/Wells Fargo Equipment Finance (April, 2006 - August, 2010); Area Manager, Key Equipment Finance (February, 2000 - April, 2006); Territory Manager, Fleet Capital Leasing (1998 - 2000); Territory Manager, GE Capital (1995 - 1998). Education: University of Alabama at Birmingham. MBA, Business (2004 - 2007).  University of Alabama. B.S., Marketing (1984 - 1989). Activities and Societies: Alpha Tau Omega, VP, Rush Chairman, Emphasis Committee. https://www.linkedin.com/in/stewart-moore-0951a525/


Kevin Ronan was promoted to Senior Vice President, National Sales Director for Equipment Finance Business, CIT Bank, New York, New York.  He is located in Brookfield, Connecticut.  He joined the CIT Group January, 2012, Director, Originations; promoted March, 2015, Equipment Finance, Capital Markets, Buy Side.  “Previously he was Vice-President RBS Asset Finance (March 2010 - 2012), and was Senior Level Business Direct and Indirect, Originations Sales Leader (January, 2009 - 2011), Senior Vice-President, Commercial Sales Leader, Asset Management, GE Capital (December, 2004 - December, 2008), Vice-President, NE Regional Sales manager, GE Capital (April, 1997 - December, 2004), Vice-President, Region Account Executive, General Electric (April, 1993 - December, 1997). Pace University - Lubin School of Business MBA, Finance 2009 – 2012. Pace University - Lubin School of Business 1981 – 1985
http://www.linkedin.com/in/ktronan


Kevin White was hired as Director and Senior Syndicator for Capital Markets, Key Equipment Finance, Superior, Colorado. "He will be responsible for management of the buy desk." Previously, he was Capital Markets Sales, Buy Side, Bridge Capital Leasing (April, 2015 - July, 2021); Vice President, Indirect Originations, Siemens Financial Services, Inc. (September, 2010 - April, 2015); AVP, Managed Assets Group, JP Morgan Chase (March, 2010 - September, 2010); Director, Syndication, CIT (October, 1988 - November, 2008).  Education: Western New Mexico University, B.S., Business Management (1982 - 1984).
https://www.linkedin.com/in/kevin-wyatt-67b69710/

 

[headlines]
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Help Wanted Ads



[headlines]
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Six-Month Leasing/Finance Associations'
Membership Count and by Category

Leasing News has been collecting this information for over 20 years with the purpose of not only promotion the associations, but informed companies and individuals on which association to participate by examining by category who is joining.

Member companies enjoy a strong return on their membership investment and access to exclusive benefits, including cutting-edge industry information, popular business and professional development events, a powerful federal and state advocacy agenda and effective industry promotion tools. In 2021, ELFA is celebrating 60 years of advancing equipment finance! Learn about the value of an ELFA membership at www.elfaonline.org/join.

Amy Vogt
Vice President, Communications and Marketing

The American Association of Commercial Finance Brokers (AACFB) was formerly the National Association of Equipment Leasing Brokers (NAELB). The association, which celebrates its 30th anniversary this year, was founded on the promotion of a strong code of ethics and continuing education. AACFB serves as a great resource for those in the commercial finance industry, providing ample opportunities to network through an active online forum, searchable funding source directory, and events – whether in person or virtual. Members also have access to a host of savings plans for industry specific needs such as credit reporting and background checks as well as saving on email marketing, office supplies, restaurants, hotels, and software.

Education is always just a click away on the AACFB website where members can access the quarterly newsletter, Commercial Break and dozens of educational training videos and webinar recordings. In addition, limited legal services are also a benefit of membership. Last but not least, AACFB offers members year-round access to a community of commercial finance professionals willing to share their experience and expertise with one another. Seasoned members mentoring and guiding less experienced members is a hallmark of the AACFB member experience.

For more information on how to join the AACFB, contact Director of Membership & Programs, Natasha Pitcock or Executive Director, Monica Harper via email at info@aacfb.org or call 800-996-2352. Visit the AACFB website at https://www.aacfb.org/home

Monica Harper, Executive Director

“We hope to add 50 new members this year (or more). Just want to offer as much value as possible to our members, and the industry for
 that matter, which will be good for everyone long term."

Chad Sluss, MSA 
Executive Director / CEO
csluss@nefassociation.org


Association for Government Leasing & Finance

8 Individuals
12 Limited
34 Basic Company Members with 107 total people
7 Industry Leader Companies with 213 total people

Arianna Bender / Program Manager

 

No response received

Chart by History

It should be noted there was an East Coast (EAEL) and West Coast (WAEL) association that eventually joined as one, which today has become the National Equipment Finance Association (NEFA). At one time, there were members who belong to both.

 


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

LinkedIn posts first $10 billion year, 5 years
after Microsoft deal, but profits remain a mystery
By Tod Fisher, Geekwire


The way they were: In this Microsoft photo from 2016, Jeff Weiner, left, then LinkedIn’s CEO, poses with Microsoft CEO Satya Nadella and LinkedIn co-founder Reid Hoffman, now on the Microsoft board.

Microsoft’s biggest acquisition just joined the ranks of its biggest businesses.

Five years after Microsoft announced its intent to acquire LinkedIn for more than $26 billion, the business social network has surpassed $10 billion in annual revenue for the first time. Microsoft announced the milestone Tuesday afternoon in conjunction with its fiscal fourth quarter earnings report.

LinkedIn revenue rose 46% for the quarter to nearly $3 billion.

On a conference call with analysts, Microsoft CEO Satya Nadella called it “a testament to how mission-critical the platform has become to help people connect, learn, grow and get hired over the course of their careers.”

It’s also a testament to the power of multiple revenue streams. LinkedIn makes money from both subscriptions and advertising.

In the latter category, Microsoft said LinkedIn’s quarterly advertising revenue surpassed $1 billion for the first time in the recent quarter, up 97%. In the past year, LinkedIn has benefitted in part from advertisers shifting spending from Facebook.

“In the past five years since our acquisition, revenue has nearly tripled and growth has accelerated,” Nadella said.  “LinkedIn has become a leader across multiple secular growth areas spanning B2B advertising, professional hiring, corporate learning and sales intelligence.”

That’s about as close as Nadella gets to a victory lap.

LinkedIn was a huge bet, early in his tenure as Microsoft CEO. It was also his chance to salvage Microsoft’s mergers-and-acquisitions track record following multi-billion-dollar write-offs taken by the company on the Nokia and a Quantive deals that were initiated under Nadella’s predecessor, Steve Ballmer.

At the time, Nadella cemented the deal with Jeff Weiner, then LinkedIn’s CEO, by promising the company independence as an operating unit inside Microsoft.

Nadella made it clear that LinkedIn’s independence hasn’t kept it from working with other parts of Microsoft. He cited as examples LinkedIn’s integrations with Office, Dynamics 365 and the new Microsoft Viva employee experience platform.

The $10 billion revenue threshold is considered a key milestone of success inside Microsoft. Other businesses that have crossed that threshold in recent years at the company including gaming and security.

LinkedIn now has 774 million members, and user sessions were up 30% in the quarter compared with a year ago.

Even with all the growth, it’s not clear if LinkedIn is profitable, at least not officially.

Microsoft stopped reporting LinkedIn’s operating profits publicly in its 2019 fiscal year. LinkedIn was profitable earlier in its life as a standalone public company, before posting a $165 million loss on $3 billion in revenue in 2015, prior to the Microsoft acquisition.

LinkedIn ran at a loss initially inside Microsoft due to long-term costs associated with the acquisition, as we reported at the time. But it looked to be on a trajectory toward profitability before Microsoft stopped disclosing LinkedIn’s operating profits.



[headlines]
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Pfizer on Wednesday reported its second quarter results, beating top- and bottom-line expectations and raising its guidance for 2021 yet again. The U.S. pharmaceutical giant reported a net profit of $5.56 billion on revenue of $18.98 billion for the second quarter of 2021, mainly thanks to its COVID-19 vaccine. BNT162b2, as the drug is officially called, accounted for 41 percent of Pfizer’s revenue for the quarter, dwarfing any other drug in Pfizer’s vast portfolio.

Due to additional supply agreements signed since the company’s last earnings report, Pfizer, which developed the vaccine in cooperation with German biotechnology company BioNTech, now expects to deliver 2.1 billion doses of the mRNA vaccine this year, raising its revenue guidance for the drug from $26 billion to $33.5 billion. Thanks to that increase, the company raised its overall revenue guidance to $78 to $80 billion, which would represent 86 to 91 percent year-over-year growth.

The drug maker stands to make a sizeable profit from its vaccine breakthrough, as it expects an adjusted income before tax margin in the high 20s for BNT162b2 , even after accounting for the 50-percent gross profit split with BioNTech.

By Felix Richer, Statista



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

DLL Closes Eighth U.S. Securitization Transaction
at $ 1 Billion

Wayne, PA.- Leading global vendor finance company, DLL announced the closing of “DLLAD 2021-1”, a U.S. securitization transaction issuing notes totaling $ 1 billion. The notes are backed by loans and leases secured with food and agriculture related equipment.

The transaction is rated F1+/P-1 or AAA/Aaa by Fitch Ratings and Moody’s, respectively.


Chris Morris, US Treasurer at DLL, commented, “We are very pleased that, despite a busy new issue U.S. ABS (Asset Backed Securities) market, investors continued to put trust and confidence in our portfolio. This securitization saw the highest number of investors for a DLL U.S. ABS transaction so far.”
 

Marc Dierckx, DLL Chief Financial Officer and member of the Executive Board adds: “With our securitization strategy we aim to diversify our funding base. Our investor base is growing and well balanced. In total we have more than doubled the number of investors investing in DLL over the past 3 years. Considering the effects of the Coronavirus pandemic on the securitization market, this is something to be really proud of."

About DLL
DLL is a global asset finance company for equipment and technology with a managed portfolio of almost EUR 35 billion. Founded in 1969 and headquartered in Eindhoven, the Netherlands, DLL provides financial solutions to the Agriculture, Food, Healthcare, Clean Technology, Construction, Transportation, Industrial, Office Equipment and Technology industries in more than 30 countries. DLL partners with equipment manufacturers, dealers and distributors, as well as end-customers on a direct basis, to enable businesses to more easily access equipment, technology and software. The company also delivers insights and advice to partners and customers that drive smarter and more economical methods of use. DLL combines customer focus with deep industry knowledge to deliver sustainable solutions for the complete asset life cycle, including commercial finance, retail finance and used equipment finance. DLL is a wholly owned subsidiary of Rabobank Group. To learn more about DLL, visit www.dllgroup.com.

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

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

KWIPPED Data Confirms Post-Pandemic Recovery Trend
for Restaurant/Food Services Industry

Wilmington, NC  — Purchasing activity and financing approval rates in the foodservice equipment industry are rebounding at a rapid pace, evidence that restaurants are staging a strong comeback from the Covid-19 pandemic, according to data released this month by KWIPPED Inc., which runs an online B2B equipment marketplace and fuels equipment-financing deals through its SaaS solution, APPROVE.


Travis Sherbine, KWIPPED’s Chief Growth Officer, declared, “Our tech supports equipment rentals, purchases and financing for hundreds of restaurant and foodservice equipment sellers, and we work with a large network of equipment finance companies, so our data offers a comprehensive perspective of macro and micro trends in the foodservice equipment market.”

The following trends are based on more than 8,000 foodservice equipment requests for quotes (RFQs) over the past two years:

Demand for foodservice equipment (measured in RFQs) dropped drastically during restaurant shutdowns caused by the Covid-19 pandemic but has bounced back in 2021. KWIPPED’s data shows:

  1. RFQs decreased by 49% over the period running from just prior to the onset of the pandemic in Q1 of 2020 to Q4 2020, when they reached their lowest level.
  2. From that 2020 low point to Q2 2021, KWIPPED’s marketplace data shows a 140% increase in RFQs for foodservice equipment, indicating a strong rebound in the industry.
  3. Momentum has been strong in 2021, as KWIPPED data shows a 39% increase in RFQs from Q1 2021 to the present (Q2 2021).

Specific equipment categories experiencing the largest recovery numbers include commercial refrigeration, beverage machines and mobile equipment that can support outdoor service and events such as mobile cold storage units and food trucks.

“The mobile equipment category is absolutely exploding due to the reopening of public events like sports, festivals and concerts,” said Sherbine.

As lenders tightened their approval criteria during the pandemic, restaurant and food service equipment financing virtually disappeared, but the data shows a strong resurgence that continues to trend toward pre-pandemic levels:

  1. There was a 58% decrease in finance application approval rates from Q4 2019 to Q2 2020, when approval rates reached a low point.
  2. Finance application approval rates increased 76% from Q2 2020 to present (Q2 2021).
  3. Approval rates have increased 37% from Q1 2021 to present (Q2 2021).

 “All of the finance companies in our lender network have told us they are approaching pre-pandemic approval levels, and our internal data confirms it. Not many industries escaped the negative impacts of Covid-19, but the restaurant and hospitality industries were hit as hard as any other, and it’s really great to see them bouncing back,” Sherbine said.

“We feel that leveraging the collective capacities of a network of lenders is a really smart way to optimize approvals and ensure restaurants and foodservice businesses are getting the lowest possible rates—and we consider it a privilege to help the industry recover.”

About KWIPPED
KWIPPED, Inc. is a technology company specializing in B2B equipment e-commerce. KWIPPED developed and maintains the world’s first online B2B equipment marketplace (www.kwipped.com) where equipment suppliers and lenders compete to serve the needs of equipment buyers. KWIPPED developed the APPROVE software solution, (www.kwipped.com/approve), built from the best practices driving our marketplace, to empower equipment sellers to increase their own equipment sales. KWIPPED’s worldwide headquarters is located in Wilmington, NC. 

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

[headlines]
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Watch at Home:
Ferndo's Reviews

The latest batch of restored classics from Criterion include giddy comedies, hard-hitting crime dramas, corrosive film-noir and poetic visions. Revisit these cinematic marvels or discover them for the first time.

Bringing Up Baby (Howard Hawks, 1938): Cary Grant and Katharine Hepburn team up in this uproarious classic, which continues to be fresh and funny more than eight decades after its release. Grant plays paleontologist David Huxley, who has his hands full with a humorless fiancée (Virginia Walker), a society matron (May Robson) who he needs to impress, and a prehistoric skeleton he needs to piece together. His mild-mannered world is turned upside-down when he meets Susan Vance (Hepburn), a free-spirited woman with a yen for impulsive adventures. Together, they step into a comic maelstrom that includes frightened hunters, tipsy gardeners, mischievous dogs, and even a prowling leopard named Baby. Directed by the great, versatile Howard Hawks, this is one of classical Hollywood’s most sustained bursts of inspired silliness, a screwball masterpiece.

Deep Cover (Bill Duke, 1992): One of the most underrated crime thrillers of the Nineties, this engrossing underworld journey gives Laurence Fishburne one of his best and most intense roles. He stars as Russ Stevens, a Los Angeles police officer who must assume a new identity to infiltrate a gang of dangerous drug dealers. After becoming friends with powerful cocaine trafficker David Jason (a scene-stealing Jeff Goldblum), Stevens starts to dive deeper and deeper into this dark netherworld. But will he go to far? A veteran of dynamic African-American stories, director Bill Duke brings bold visual control and a jaundiced eye to the thin line between justice and transgression. Anchored by Fishburne’s vividturn, this powerful sleepersizzles with brutal suspense and subversive political commentary.

Mirror (Andrei Tarkovsky, 1975): The brilliant, challenging Russian director Andrei Tarkovsky (“Solaris”) was never one to shy away from uncompromising visions, and this unique drama may be the most uncompromising of all his films. Nominally, the plot deals with the emotions of a poet named Alexei (Ignat Daniltsev) toward his art and nation, as well as his mother, Maria (Margarita Terekhova). However, Tarkovsky uses plot just as a clothesline on which he hangs lyrical visions across several time periods. Hopping around from the 1930s to the war to the Sixties and Seventies, the film suggests a free-floating consciousness that mixes gorgeous compositions with newsreel footage and rough home movies. With strong emotions guiding the viewers through obscure images, this transcendental work was clearly an influence on “The Tree of Life.” With subtitles.

Nightmare Alley (Edmund Goulding, 1947): With Guillermo Del Toro’s remake coming soon, this is a good time to discover the original carnival drama that’s become a cult classic. In arguably his strongest performance, Tyrone Power stars as Stan Carlisle, a drifter whose latest path takes him to a traveling show full of colorful characters. There’s mind-reader Zeena (Joan Blondell) and her tippling husband Pete (Ian Keith), as well as strongman Bruno (Mike Mazurki) and his girlfriend Molly (Colleen Gray). Stan and Molly run away together and start a nightclub act, where they meet a swindler named Lilith (Helen Walker). To give any more away would dilute the fascination of the film, with its film-noir turns and disturbing cynicism. Mixing the lurid and the handsome, this is a daring view of humanity’s circus.

Pickup on South Street (Samuel Fuller, 1953): One of American cinema’s legendary, dynamic mavericks, writer-director Samuel Fuller (“The Big Red One”) serves up one of his best films with this subversive tale of espionage and underworld honor. Richard Widmark is marvelously wormy as Skip McCoy, a New York City small-time pickpocket who stumbles upon a matter of national security when he steals the wallet of a moll named Candy (Jean Peters). With a piece of top-secret microfilm at hand, he finds himself pursued both by FBI agents and Candy’s spy boyfriend, Joey (Richard Kiley). Full of jagged action and film-noir toughness, Fuller’s film slyly envisions America as a nation ultimately protected by those most marginalized by its authorities. Thelma Ritter delivers a movie-stealing performance as a seasoned informant running out of time.

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Alaskan Malamute
Roseville, California  Adopt-a-Dog


Betty PHOENIX

Female
Adult
3-to-4 YEARS OLD
75 LBS.
Spayed
Vaccinations up-to-date
House-Trained: Yes
Prefers a Homewithout other dogs, cats
Adoption Fee: $250.00

Meet Betty PHOENIX
Phoenix is a super sweet young girl (about 3-4 years old) who knows and responds pretty consistently to basic commands (sit, wait, and down) and is eager to please. She loves splashing in her pool (or anything water related) and running around the yard. She is just as happy being active - chasing a ball or running alongside the bike on leash - as she is napping on her bed or in the pool. She is an inside dog, loves to snuggle and lay with her human friends - loves people and a very very happy girl.

Does NOT do well with other dogs (does not fit well with three other existing Malamutes in current home). Would do best in a home as an only dog. Phoenix weighs about 75 pounds, is in exceptional physical condition, and has all of her shots up to date.

She is a fluffy ball of love looking for her furrever family!! If you think this might be you, please COMPLETE OUR APPLICATION @T HAVENDOGRESCUE.ORG
 https://www.havendogrescue.org/adoption-application-1

Haven Dog Rescue
P.O. Box 7804
Roseville, CA 95747
HavenDogRescue@gmail.com
(916) 740-0042
https://www.facebook.com/HavenDogRescue?ref=hl                 

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Sign up today for the virtual ELFA Innovation Roundtable, focused on "Shifting and Transitioning into a Post Pandemic World." on August 26, noon-2:30pm Central Time, The registration fee is $395 for ELFA members  and $495 for nonmembers.

"Our innovator community is filled with brilliant people who are curious and actively seeking the next breakthrough. How are other industry leaders thinking about innovation in equipment finance? What are the challenges to solve now and where do we go next? Find out what is on the mind of your peers, share ideas and discover new approaches for tackling your innovation challenges. This session is a community-driven, highly interactive discussion of the technology and innovation topics that are top of mind for equipment finance leaders."
 
WHO SHOULD ATTEND:
"The Innovation Roundtable is designed for all equipment finance professionals, from emerging talent to seasoned leaders. If you’re interested in accessing cutting-edge knowledge, engaging diverse voices in the industry innovation discussion, and building your action plan for the future, this event is for you!"
 
WHY ATTEND:
"You’ll have the opportunity to engage with TomorrowZone CEO & Founder Deborah Reuben and other senior leaders from ELFA’s Technology Innovation Working Group in a facilitated discussion on the people, process and technology sides of innovating in this new world."
 
Gain insights into how industry peers are dealing with the shifts as we transition into a post pandemic world. We will be exploring the following themes.
 
(1) Disruptive innovations at the point of sale
(2) How are technology adoption pain points evolving and what can you do about it?
(3) Reimagining business process and business models - what's possible now given tech advances and behavioral shifts in the market?
(4) Considerations for developing innovative workplace culture in the emerging post-COVIS mixed-mode workplace.
(5) Cyber Security and the rapid pace of cyber-criminal innovation. How should we balance the desire for frictionless customer experience against the need for security?
 
Featuring Panelists from the ELFA Technology Innovation Working Group:

· Garland Brooks II Brooks, Business Enablement & Sales   
      Optimization  at Dell Technologies
· Jillian Munson, Technology Project Manager at Innovation Finance
      USA LLC
· Rafe Rosato, Chief Innovation Officer at DLL Group
· Tawnya Stone, Vice President, Strategic Technology at GreatAmerica Financial Services
 
Hosted & Facilitated by Deborah Reuben, CLFP, CEO & Founder of
    TomorrowZone
 
AGENDA:
12:00 - 2:00pm Central Time: Unconference Session
• Welcome and setting the stage for our interactive discussion
• Panelists weigh in on topics
• Facilitated roundtable discussions
• Recap, takeaways, and close
 
2:05 – 2:30: Optional hang out
• After a quick break, you are welcome to come back and hang out with us for a fun facilitated networking opportunity.

Register:
https://cvdata.elfaonline.org/cvweb

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News Briefs---

Marlin Business Services Report $10.3M 2nd Quarter
    Compared to Net Loss of $5.9 million Previous Q Last Year
https://d18rn0p25nwr6d.cloudfront.net/CIK-0001260968/10fab8b2-286e-4ee7-bf30-e5f5dd04aebf.html

Google and Facebook Mandate Vaccines
    For Employees at U.S. Offices
https://www.npr.org/2021/07/28/1021798222/google-mandates-vaccines-for-workers-pushes-back-return-to-office-date

COVID Resurgence Shuts down Twitter’s SF Bay Area Offices
    and New York Offices
https://www.cbsnews.com/news/twitter-closes-new-york-san-francisco-offices-with-rise-in-covid-cases/

Biden Announces COVID-19 Vaccine Rules for Federal Workers
    Get Vaccinated or Get Tested Regularly
https://www.latimes.com/politics/story/2021-07-29/biden-considers-vaccine-mandate-federal-workers?utm_id=34215&sfmc_id=1646692

Las Vegas to Require Masks Indoors
    Including on Casino Floors
https://www.yahoo.com/lifestyle/las-vegas-require-masks-indoors-191738780.html

SBA will directly handle PPP loan forgiveness
     so banks don’t have to
https://www.washingtonpost.com/business/2021/07/29/ppp-loan-forgiveness-portal/

McDonald's emerges stronger from the pandemic
   drive-thru orders, carryout and, increasingly, delivery
https://www.chicagobusiness.com/restaurants/mcdonalds-emerges-stronger-pandemic



[headlines]
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You May Have Missed---

FT Partners Q2 2021 Fintech Insights
    Global Financing and M&A Statistics (87 pages)
https://ftpartners.docsend.com/view/pnfggkc5qgp9ef2s


[headlines]

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Sports Briefs---

With Biles Out, Sunisa Lee Seizes
     the Moment and Captures Gold
https://www.nytimes.com/2021/07/29/sports/olympics/sunisa-lee-gymnastics-olympics.html

SF Giants take another series from Dodgers,
    hit trade deadline in first place in NL West
https://www.eastbaytimes.com/2021/07/29/sf-giants-take-another-series-from-dodgers-hit-trade-deadline-in-first-place-in-nl-west/

49ers’ Nick Bosa undecided on COVID vaccine,
     on track to play in season opener after ACL tear
https://www.eastbaytimes.com/2021/07/29/49ers-nick-bosa-undecided-on-covid-vaccine-on-track-to-play-in-season-opener-after-acl-tear/

SEC invites Oklahoma and Texas to join
    powerhouse conference in 2025
https://www.washingtonpost.com/sports/2021/07/29/sec-invites-oklahoma-texas/

Oakland A’s swing shocking trade for Marlins’
    Marte, send former top prospect in return
https://www.eastbaytimes.com/2021/07/28/oakland-as-swing-shocking-trade-for-miami-outfielder-send-former-top-prospect-in-return/

Schwartz leaves Blues for Seattle
    and $5.5 million a year
https://www.stltoday.com/sports/hockey/professional/schwartz-leaves-blues-for-seattle-and-5-5-million-a-year/article_e32f3c5e-44b8-5885-bd84-5858500230dc.html


[headlines]
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California Nuts Briefs---

In Major Change, California Recommends
     Everyone Wear Masks Indoors Again
https://www.sfchronicle.com/health/article/In-major-change-California-recommends-everyone-16346634.phpm

This School District is Likely the First Large District
    in SF Bay Area to Require Teacher Vaccinations
https://www.sfgate.com/bayarea/article/San-Jose-Unified-School-District-teacher-vaccine-16347325.php

Mendocino is running out of water.
    The solution might involve a very old train
https://www.sfchronicle.com/bayarea/article/California-s-most-picturesque-town-is-running-16343175.php

‘Liquidation of Cows.’ How the Drought Creates Chaos
     on California Ranches, Dairy Farms
https://www.sacbee.com/news/california/water-and-drought/article252752283.html


[headlines]

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“Gimme that Wine”

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

U.S. Wine Volume Projected To Decline In 2021,
     But Premium Brands Make Strides
https://www.shankennewsdaily.com/index.php/2021/07/28/29119/impact-databank-u-s-wine-volume-projected-to-decline-in-2021-but-premium-brands-make-strides/

The World's Most Expensive Sauvignon Blancs
https://www.wine-searcher.com/m/2021/07/the-worlds-most-expensive-sauvignon-blancs

Robledo Family Winery seeks to increase
     local production from 300 to 50,000 cases
https://www.northbaybusinessjournal.com/article/industrynews/robledo-family-winery-seeks-to-increase-production-from-300-to-50000-cases/


Free Wine App

https://www.nataliemaclean.com/mobileapp/

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

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This Day in History

     1637 - The first Synod was held at Mr. Shepard's church, Cambridge (then Newtowne), Massachusetts to condemn the preaching of Anne Hutchinson, the first female religious leader in the American colonies. Eighty-two errors in her teachings were enumerated and condemned. The synod adjourned on September 22, 1637. Hutchinson was bought to trail on the strength of this condemnation and was exiled from the Massachusetts Bay Colony. Moving the following year to Rhode Island, then to New York, Anne and her family were killed by Indians in 1643.
    1645 - Dutch and Indians signed peace treaty in New Amsterdam (NY). 
    1770 - Anglican clergyman and hymn writer John Newton wrote in a letter: 'The exercised and experienced Christian, by the knowledge he has gained of his own heart and the many difficulties he has had to struggle with, acquires a skill and compassion in dealing with others.’
    1776 - A few days before, in the Battle of Long Island, N.Y., American forces commandeered by Gen. Israel Putnam and Gen. John Sullivan were defeated by the British under Gen. Sir William Howe and Gen. Sir Henry Clinton. Howe took Gen. Sullivan ***prisoner. On Aug 30, the Americans evacuated Long Island and crossed to Massachusetts. General Washington took advantage of a heavy fog to evacuate Long Island after a defeat. Adverse winds kept the British fleet from intervening
    1778 - American forces withdrew from Rhode Island after an unsuccessful attempt, led by John Sullivan, to recapture Newport from the British ***
    1780 - General Benedict Arnold betrayed the US when he promised secretly to surrender the fort at West Point to the British army. Arnold, whose name has become synonymous with traitor, fled to England after the botched conspiracy. His co-conspirator, British spy Major John Andre, was hanged.
    1781 - The French fleet of 24 ships under Comte de Grasse arrived in the Chesapeake Bay to aid the American Revolution. The fleet defeated British under Admiral Graves at battle of Chesapeake Capes.    1813 - Creek Indians massacred over 500 whites at Fort Mims, Alabama. 
    1820 - Birthday of George F. Root (d. 1895), Sheffield, MA.  American sacred music editor and composer. Root helped edit 75 musical collections, as well as composing several hundred original sacred melodies. One of these, “JEWELS,” is the tune to which is commonly sung the hymn, "When He Cometh."
    1838 - The first African American magazine, “Mirror of Freedom,” begins publication in New York City.
    1839 - A hurricane moved from Cape Hatteras, NC to offshore New England. An unusual feature of the hurricane was the snow it helped produce, which whitened the Catskill Mountains of New York State. Considerable snow was also reported at Salem, NY.
    1856 - Wilberforce University was established in Xenia, Ohio under auspices of the Methodist Episcopal Church. In 1863, the university was transferred to the African Methodist Episcopal (AME) Church.
    1862 - The battle actually started yesterday but today at the Second Battle of Bull Run.  The maneuvers of Gen. Stonewall Jackson and his teamwork with Gen. Lee were too much for the 45,000 Union troops under Gen. John Pope, who broke and retreated to Washington, D.C.  Union losses were 1724 killed, 8372 wounded, 5958 missing. Confederate losses stood at 1481 killed, 7627 wounded, 89 missing. It is believed the almost 6,000 soldiers missing deserted and fled from the army.
http://memory.loc.gov/ammem/today/aug30.html
((http://lcweb2.loc.gov/cgi-bin/query/r?ammem/cwar:@field
(NUMBER+@band(cwp+4a40399 
))
http://memory.loc.gov/ammem/today/jan21.html
    1890 - Congress approved the inspection of meat. It provided for the inspection of salted pork, and bacon intended for export, as well as the inspection of export swine, cattle, sheep, and other ruminants, due primarily to complaints of foreign buyers. It did not apply to meat in the United States. Importers of American Leasing meat were objecting to not only the quality, but to the “disease” brought by American meat products. Upton Sinclair's book, “The Jungle,” 1905, exposed the horror of meat packing in Chicago, which led the Pure Food and Drug Act and inspection of meat facilities and quality standards.
    1893 - Frances Folsom Cleveland (Mrs. Grover Cleveland) was the first First Lady to have a baby at the White House when she gave birth to a baby girl, Esther.  The first child ever born in the White House was a granddaughter to Thomas Jefferson in 1806.
    1894 - Independent Christian evangelist and educator Bob Jones, Sr. was converted at age 11 to a vital Christian faith. Licensed to preach by the Methodists at 15, Jones maintained a lifelong fundamentalist view of the Bible. In 1926, at age 32, he founded Bob Jones University.
    1901 - Birthday of Roy Wilkins (d. 1981), St. Louis, MO.  Grandson of a Mississippi slave, civil rights leader, active in the National Association for the Advancement of Colored People (NAACP), retired as its executive director in 1977.
http://www.tccom.com/wilkins/
    1907 - Birthday of actress Shirley Booth, born Mary Ford (d. 1992), Brooklyn. She won the 1950 Tony award for her work in “Come Back Little Sheba” and the 1953 Tony for “Time of the Cuckoo.” Her later years were spent as Hazel on the TV sitcom of the same name.
    1908 - Birthday of singer-leader Willie Bryant (d. 1964), born Chicago. Once employed Ben Webster, Benny Carter, Teddy Wilson, and many others.  Later, as a disc jockey, he was known as the "Mayor of Harlem."
    1918 - Birthday of Baseball Hall of Fame outfielder, Theodore Samuel (Ted) Williams (d. 2002), San Diego, CA.  He played his entire 19-year career, primarily as the Boston Red Sox left fielder from 1939 to 1960; his career was interrupted by military service during World War II and the Korean War as a Marine jet fighter pilot and wingman of future senator John Glenn, narrowly escaping death when he had to crash land his plane just prior to its explosion. Nicknamed "Teddy Ballgame," "The Kid," "The Splendid Splinter," and "The Thumper," Williams is regarded as the greatest hitters in baseball history.  Williams was a nineteen-time All-Star, a two-time recipient of the American League MVP, a six-time AL batting champion, and a two-time Triple Crown winner. He finished his playing career with a .344 batting average, 521 home runs, and a .482 on-base percentage, the highest of all time. His career batting average is the highest of any MLB player whose career was played primarily in the live-ball era, and ranks tied for 7th all-time (with Billy Hamilton). Williams's involvement in the Jimmy Fund helped raise millions in dollars for cancer care and research. In 1991, President George H. W. Bush presented Williams with the Presidential Medal of Freedom, the highest civilian award bestowed by the United States government. He was selected for the MLB All-Time Team in 1997 and the MLB All-Century Team in 1999. He later managed the Washington Senators/Texas Rangers.  At his 1966 induction into the National Baseball Hall of Fame, in his acceptance speech, he advocated for the inclusion of Negro Leagues stars into the Hall:  “I've been a very lucky guy to have worn a baseball uniform, and I hope someday the names of Satchel Paige and Josh Gibson in some way can be added as a symbol of the great Negro players who are not here only because they weren't given a chance."  Paige was the first inducted in 1971. Gibson and others followed, starting in 1972 and into the 21st century.
    1924 - Trumpeter Kenny Dorham (d. 1972), born McKinney, TX.
http://www.jazztranscriptions.com/dorhambio.html
http://members.tripod.com/~hardbop/dorham_discography.html
    1935 – Birthday of singer John Phillips (d. 2000), Parris Island, SC.  Lead singer of The Mamas & The Papas: “Monday Monday,” “California Dreamin',” “Creeque Alley;” songwriter: “California Dreamin',” “San Francisco [Be Sure to Wear Flowers in Your Hair];” actress MacKenzie Phillips' father.
    1943 - WALSH, KENNETH AMBROSE, Medal of Honor
Rank and organization: First Lieutenant, pilot in Marine Fighting Squadron 124, U.S. Marine Corps. Place and date: Solomon Islands area, 15 and 30 August 1943. Entered service at: New York. Born: 24 November 1916, Brooklyn, N.Y. Other Navy awards: Distinguished Flying Cross with 5 Gold Stars. Citation: For extraordinary heroism and intrepidity above and beyond the call of duty as a pilot in Marine Fighting Squadron 124 in aerial combat against enemy Japanese forces in the Solomon Islands area. Determined to thwart the enemy's attempt to bomb Allied ground forces and shipping at Vella Lavella on 15 August 1943, 1st Lt. Walsh repeatedly dived his plane into an enemy formation outnumbering his own division 6 to 1 and, although his plane was hit numerous times, shot down 2 Japanese dive bombers and 1 fighter. After developing engine trouble on 30 August during a vital escort mission, 1st Lt. Walsh landed his mechanically disabled plane at Munda, quickly replaced it with another, and proceeded to rejoin his flight over Kahili. Separated from his escort group when he encountered approximately 50 Japanese Zeros, he unhesitatingly attacked, striking with relentless fury in his lone battle against a powerful force. He destroyed 4 hostile fighters before cannon shellfire forced him to make a dead-stick landing off Vella Lavella where he was later picked up. His valiant leadership and his daring skill as a flier served as a source of confidence and inspiration to his fellow pilots and reflect the highest credit upon the U.S. Naval Service. 
    1949 - Top Hits
You're Breaking My Heart - Vic Damone
Room Full of Roses - The Sammy Kaye Orchestra (vocal: Don Cornell)
Some Enchanted Evening - Perry Como
I'm Throwing Rice (At the Girl that I Love) - Eddy Arnold
    1952 - Captain Leonard W. Lilley of the 4th Fighter Interceptor Wing scored his first aerial victory. He went on to become an F-86 Sabre ace.
    1956 - White mob prevents enrollment of blacks at Mansfield High School, Texas, as school busing and desegregation comes to major conflicts across the nation..
http://www.tsha.utexas.edu/handbook/online/articles/view/MM/jcm2.html
    1957 - Top Hits
Love Letters in the Sand - Pat Boone
Tammy - Debbie Reynolds
Whole Lot of Shakin' Going On - Jerry Lee Lewis
(Let Me Be Your) Teddy Bear - Elvis Presley
    1959 - Bobby Darin's "Mack the Knife" debuts on the pop charts. The song from the "Three Penny Opera" will be Darin's biggest hit.  The song has become a popular standard recorded by many artists, including a US and UK number one hit for Darin in 1959.   In 2003, the Darin version was ranked #251 on Rolling Stone’s “500 Greatest Songs of All-Time” list.   Pop mogul Simon Cowell named "Mack the Knife" as "the best song ever made".  Darin's versions were inducted by the Library of Congress in the National Recording Registry in 2016.
    1961 - No. 1 Billboard Pop Hit: "Michael," the Highwaymen. The five members were all freshmen from the same fraternity at Wesleyan University at Middletown, Conn. The song debuts at No. 100 on the Hot 100.
    1961 - 24-year-old Gene Chandler records "Duke of Earl" for Vee Jay Records. It will become the label's first number one and first million seller next February. 
    1962 - A presidential hot line was installed between the White House, Washington, DC, and the Kremlin, Moscow, during the administration of President John F. Kennedy.
    1963 - Two months after signing an agreement to establish a 24-hour-a-day "hot line" between Moscow and Washington, the system goes into effect. The agreement came just months after the October 1962 Cuban missile crisis, in which the United States and Soviet Union came to the brink of nuclear conflict. 
    1963 - ABC-TV's American Bandstand airs its final weekday show, becoming a weekly, rather than daily, show and moving to Saturdays for the rest of its run.
    1965 - No. 1 Billboard Pop Hit: "Help!" The Beatles. The song is released in the U.S. two weeks before the film "Help!" opens in New York.
    1965 - The Beatles perform at their second Hollywood Bowl show of 1965, seven songs of which will make it to the eventual Beatles at the Hollywood Bowl LP released in 1977.
    1965 - Top Hits
I Got You Babe - Sonny & Cher
Help! - The Beatles
California Girls - The Beach Boys
Yes, Mr. Peters - Roy Drusky & Priscilla Mitchell
    1968 - The Beatles' "Hey Jude" is released.
    1968 - The Beatles record "Dear Prudence"
    1968 - The Democratic Convention comes to and end Reportedly Chicago's finest invade McCarthy's headquarters, dragging staffers from their beds and severely beating them. CBS TV-anchor Walter Cronkite tells prime-time television viewers: "I want to pack my bags & get out of this city." On August 29, Vice President Hubert H. Humphrey was nominated for president and Senator Edmund S. Muskie of Maine was named the vice-presidential candidate. The convention, which began August 26, was the most violent in U.S. history. Antiwar protestors clashed with police and national guardsmen. Hundreds of people, including bystanders and members of the press, were beaten by police, some in full view of television cameras. George Wallace and Gen. Curtis E. LeMay would become third party candidates. On November 5, Richard M. Nixon would be elected president along with Spiro T. Agnew as vice president. The popular vote was Nixon 31,785,480; Humphrey, 31,275,166; Wallace 8,906,473. The actual decision was by the electoral vote with Nixon 302; Humphrey, 191 and George Wallace, 45. The Republicans gained four seats in the House, five in the Senate, although Democrats still held majorities of 58-42 in the Senate and 2453-192 in the House. The Republicans gained five governorships in the election.
    1969 - The second annual Isle of Wight Festival takes place in England just two weeks after the triumphant Woodstock concert, featuring Bob Dylan, The Who, The Band, Joe Cocker, Free, Richie Havens, The Moody Blues, The Nice, Tom Paxton, Pentangle and The Pretty Things.
    1972 - John Lennon and Yoko Ono were joined by Stevie Wonder, Roberta Flack and Sha Na Na at a fund raising concert for the One To One charity at New York's Madison Square Gardens. Several of the performances were later included on Lennon's, "Live in New York City" album. 
    1973 - Top Hits
Brother Louie - Stories
Live and Let Die - Wings
Let's Get It On - Marvin Gaye
Everybody's Had the Blues - Merle Haggard
    1974 - The last episode of the regular TV series “The Brady Bunch.” The first show was aired September 26, 1969, starring Robert Treed as widower Mike Brady, who has three sons, and is married to Carol (played by Florence Henderson), who has three daughters; Housekeeper Alice was played by Ann B. Davis; sons Greg (Barry Williams), Peter (Christopher Knight) and Bobby (Mike Lookinland) and daughters Marcia (Maureen McCormick), Jan (Eve Plumb) and Cindy (Susan Olsen) experienced the typical crises of youth. The programs steered clear of social issues and portrayed childhood as a time of innocence. The program continues to be very popular in reruns in after-school time slots. There were also many spin-offs. “The Brady Kids,” ( 1972-74), a Saturday morning cartoon, ”The Brady Bunch Hour” (1976-88), a variety series, “The Brady Brides,” (1981), a sitcom about the two older daughters adjusting to marriages and the “Bradys” (1990), a short-lived dramatic series. “A Very Brady Christmas” (1988) was CBS's highest rated special for the season. In 1995, “The Brady Bunch Movie,” appealed to fans who had watched the program 25 years before.
    1975 - James Taylor's "How Sweet It Is (To Be Loved By You)" peaks at #5 on the pop singles chart.
    1975 - KC and the Sunshine Band's "Get Down Tonight" tops the Billboard chart.
    1975 - Orleans enters the Billboard Hot 100 for the first time with "Dance with Me", which would climb to #6. They would return a year later with "Still the One" (#5) and again in 1979 with "Love Takes Time" (#11).
    1975 – Former Teamsters boss Jimmy Hoffa disappeared without a trace.  Hoffa disappeared after he had gone out to a meeting with mob bosses Tony Provenzano and Anthony Giacalone, two leaders in the Genovese family with whom Hoffa had been at odds since his release from prison. The meeting was due to take place at the Machus Red Fox restaurant in Bloomfield Twp, MI, the site of the wedding reception of his son James.  Speculation since has been rampant, including several books and movies purporting to reveal what happened.  The truth is that nothing definitive has been revealed, including exhaustive federal agency investigations.
     1980 - Pat Benatar's "You Better Run" peaks at #42 on the pop singles chart.
    1980 - "Sailing" by Christopher Cross was Billboard's top single. The record would sweep the Grammy Awards the next spring when it won for Song of the Year and Record of the Year.
    1981 - Top Hits
Endless Love - Diana Ross & Lionel Richie
Slow Hand - Pointer Sisters
Stop Draggin' My Heart Around - Stevie Nicks with Tom Petty & The Heartbreakers
(There's) No Gettin' Over Me - Ronnie Milsap
    1981 - Jockey Bill Shoemaker rode John Henry to a nose victory to win the inaugural running of the Arlington Million, the first $1 million horse race, at Arlington Park in Illinois.
    1982 - A tropical depression brought torrential rains to portions of southern Texas. Up to twelve inches fell south of Houston, and as much as eighteen inches fell southeast of Austin. The tropical depression spawned fourteen tornadoes in three days. (David Ludlum) Record cold gripped the northeastern U.S. Thirty-one cities in New England reported record lows, and areas of Vermont received up to three inches of snow
    1983 - Colonel Guion Bluford, mission specialist on the third flight of the Space Shuttle Challenger, became the first African American astronaut to fly in outer space.
    1986 - Steve Winwood's "Higher Love" hits #1 on the singles chart; Mick Jagger's "Ruthless People" peaks at #51 and David Lee Roth's "Yankee Rose" peaks at #16.
    1987 - Eight cities in California and Oregon reported record high temperatures for the date, including Redding, CA and Sacramento, CA where the mercury hit 100 degrees.
    1988 - Thunderstorms drenched Georgia and the Carolinas with heavy rain, soaking Columbia, SC with 4.10 inches in three hours. Fresno, CA was the hot spot in the nation with a record high of 109 degrees. Duluth, MN tied their record for the month of August with a morning low of 39 degrees
    1989 - Billy Joel fires Frank Weber as his manager after discovering an alleged $90 million Weber had embezzled from his savings. Weber was the brother of Joel's ex-wife and former business manager Elizabeth Weber Small.
    1989 - Top Hits
Right Here Waiting - Richard Marx
Cold Hearted - Paula Abdul
Hangin' Tough - New Kids on the Block
Are You Ever Gonna Love Me - Holly Dunn
    1990 - Paul Anka, who was born in Ottawa, Canada, is naturalized as an American citizen in Las Vegas. During the ceremony, his illegally parked car was towed away. 
    1990 - Seattle Mariners become the first team to have father-son teammates, signing Ken Griffey to play with son, Ken Griffey Jr .
http://bigleaguers.yahoo.com/mlb/players/4/4305/
http://www.griffeyjr.com/ 
http://griffeyjr.com/biography
    1993 - "Late Show with David Letterman" debuted on CBS-TV. CBS remodeled the Ed Sullivan Theater (on 54th Street in New York City) for Letterman, who had just spent over a decade on NBC ("Late Night with David Letterman"). The first musical guest to appear on the new show was Billy Joel. The show first started February 1, 1982 with the top ten lists, mail bag, stupid pet tricks, participation by the TV crew, neighbors, and on the new show, this was carried forward along with surprise people in the audience such as Paul Newman with his tow gun salute, Martha Stewart. The show also featured his Canadian side-kick and very popular “hip” musician Paul Shaffer.
    1994 - Top Hits
I’ll Make Love To You - Boyz II Men
Stay (I Missed You) (From "Reality Bites") - Lisa Loeb
Wild Night - John Mellencamp With Me Shell Ndegeocello
Fantastic Voyage - Coolio
    1997 - The Houston Comets defeated the New York Liberty, 65-51, to win the first WNBA title. Houston was led by the new league's Most Valuable Player, Cynthia Cooper, who scored 25 points.
    1998 - Toms River becomes the first American team since 1993 to win the Little League World Series as Chris Cardone hits home runs in consecutive at-bats, including a game- deciding two-run shot beating Kashima, Japan, 12-9.  The title game was punctuated by a standout performance by future MLB Home Run Derby champion Todd Frazier, who went 4-for-4 with a lead-off homer, and was also the winning pitcher.
    1999 - Top Hits
Bailamos - Enrique Iglesias
Genie In A Bottle - Christina Aguilera
Summer Girls - LFO
Unpretty - TLC
    2000 - As Braves come to bat in the bottom of the ninth inning trailing the Reds, 4-2, a power spike causes most of the lights to go out at Turner Field, causing a 12-minute delay. As the Atlanta crowd waits for play to resume it is treated to a rendition of the song, "The Night the Lights Went Out in Georgia."
    2002 - After marathon negotiation sessions to avoid a players' strike just hours away, Bud Selig announces the players union and owners have reached a settlement on a new four-year CBA without the need of a work stoppage. The new agreement, called 'historic' by the commissioner, gives the owners the economic restraints they wanted as the players are assured no teams will be contracted until 2007 season with a revenue sharing plan will gradually be implemented during the span of the contract.
    2002 - Bruce Springsteen fans flock to stores for the release of "The Rising," the Boss' first album with the E Street Band since 1987.
    2003 - Top Hits
Shake Ya Tailfeather - Nelly, P. Diddy & Murphy Lee
Crazy In Love - Beyonce Featuring Jay-Z
Right Thurr - Chingy
P.I.M.P. - 50 Cent
    2005 - In the long tradition of Bronx Bombers, Alex Rodriguez becomes only the second right-handed batter in Yankees history to hit 40 homers in a season. The Yankee's third baseman joins Joe DiMaggio, who hit 46 homers in 1937, making it the only time ‘Joltin' Joe' reached the 40 mark.
    2013 - Wikileaks discloser Bradley [later Chelsea] Manning convicted of 17 espionage charges.
    2017 - Hackers reveal they have stolen data from HBO, including episodes and scripts of Games of Thrones.
    2020 – Former President Barack Obama gave the eulogy at the funeral of congressman John Lewis, with former presidents George W. Bush and Bill Clinton in attendance at Ebenezer Baptist Church in Atlanta. 
****In New Hampshire, a band of four hundred men, suddenly assembling in arms, and conducted by John Sullivan, an eminent lawyer and a man of great ambition and intrepidity, gained possession by surprise of the castle of Portsmouth, and confined the royal garrison till the powder-magazine was ransacked and its contents carried away.  Extremely controversial in his day, Somersworth's John Sullivan became the first "president" of New Hampshire. He served three terms in the role we now call governor. Sullivan cut his teeth as a young lawyer in Portsmouth, NH and became the first attorney in Durham. His goal in life was to be wealthy and his litigious pursuit of debtors in his hometown led to angry mobs surrounding his house. He served courageously, some say brazenly, in Revolutionary War battles, though he had been a friend of exiled British NH governor John Wentworth, whom he later replaced. Captured by the British, Sullivan became a courier between the two sides for which he was severely criticized. Sullivan joined the Seacoast NH uprising at Fort William and Mary in 1774, then served in a number of failed battles. George Washington was not fond of Sullivan but called on him often. Major General Sullivan was among the troops at Quebec, and a leader at Trenton, Brandywine and Germantown. Washington called on him again in 1779 to literally wipe out all Native American settlements that threatened colonists in New York and Pennsylvania. Sullivan's March, as it was called, devastated Indian populations there as his troops destroyed all native housing and crops. He served in both the first and second Continental Congress. After the war he returned to his law practice and was made a federal judge, though he was often too ill, often from alcohol, to serve. The NH town and county of Sullivan are among the many places dedicated in his name.

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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

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Daily Puzzle

How to play:
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Refresh for current date:
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Credits and Collections 102
Customer Relation Management Keeps Score
Dan Harkey Observations
Employment Web Sites
Equipment Leasing Haiku by Paul Bent
Fernando's Review
Financial Technology 102
From the Desk of Michael Witt, Esq.
Leasing 102
Leasing Cases by Tom McCurnin
Observations from the Front Porch by Jim Acee
Online Newspapers
Placards
Recruiter Hal T. Horwitz Speaks Out
Sales Make it Happen
San Francisco Valley Leasing
The Secret of Our Success
The Top Performer’s Corner
To Tell the Truth
TV Reviews by Kit Menkin
Ultimare Hire by Ken Lubin, ZRG Partners
View from the Top
Why I Became a CLP


Ten Top Stories each week opened the most by readers
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“Complaints” Bulletin Board (click here)

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Top Stories

(chronological order)

- Podcast Interview with Paul Menzel on Leadership
  and How He Leads Others to Perform
    The Alta Group Leadership Development
- Our Leasing/Finance Life is Changing
  Not Just Because of FinTech, Perhaps the Convenience
    By Kit Menkin
- First Commonwealth Bank Announces
  Entry into Equipment Finance Business
    Hires CLFP Cindy Spurdle Award Winner to Run it
- Maxim Commercial Capital States,
    "We Love Trucks!"
- News from Wheeler Business Consulting
   Growing Economy for Banking, Financing, and Leasing
   By Scott Wheeler, CLFP
- Balboa Capital Announces $50 Million
    Corporate Note Financing
- 18 New CLFP's Bringing Total to 1022
    Two Academies in June, one in August
- CLFP's by Company
    Members with Two or More
- Report Finds Legal Cannabis Sales Have
    Raked in $8 Billion in Taxes
- Robert L. Hornby update New York Disclosure Law
  Chair, Equipment Leasing and Finance
    Chesa Shahinian & Giantomas PC
- Will Disclosing Rates Kill the MCA Business
  and Equipment Financing? Reaction from
    Bud Callahan, CLFP, BPB
- Will Disclosing Rates Kill the MCA Business
    and Equipment Financing? By Kit Menkin
- Stories from the Past at Leasing News, May 24, 2012
    CLP Foundation Announces New Executive Director
- Truth in Financing Comes to Another State
    Joining California, New York maybe New Jersey & Connecticut
- The Top Eight Leasing/Finance Company Websites
    in North America
- Motor Vehicle Dealers License May Be Required
   for Lessors in New York
    By Sloan Schickler, Esq. and Edward P. Kaye, Esq.
- USA Traffic Ranks – May 20, 2021
    Top Alexa Ratings in Leasing and Equipment Finance
- Key Equipment Finance employees
    achieve preeminent industry credential
- ELFA Announces Randy Haug Will Receive
    2021 David H. Fenig Distinguished Service in Advocacy Award
- Visualizing the Recent Explosion in Lumber Prices
     The Market’s Current Environment
- The Mysterious FDIC $3.4 Million Fine & Restitution Against
   Umpqua Bank and Financial Pacific
      By Christopher Menkin, Editor/Publisher, Leasing News
- More on Financial Pacific and FDIC Fine
   Against Umpqua Bank and Restitution Penalty
- AACFB Hosts Successful Virtual Expo
    175 Attendees and 33 Exhibitors
- CLFP Foundation Surpasses 1,000 Members
    57 Pass 8-Hour Exam
- Where Apartment Rents Are Falling Fastest -- Chart
    Year-over-Change Rental Price for One-Bedroom Apartments
- Electric Vehicle Market to Hit Ludicrous Mode -Chart
    Projected Number of Electric vehicles Driving Global up to 2030
- FDIC Fines Umpqua Bank $1.8 Million
    for Financial Pacific subsidiary dba Financial Pacific
- John Boettigheimer Comments on CV Holdings
    and Centra Story in Monday's Leasing News
- Chesswood Group First Quarter Up 5% from 4Q 1010
    Declares 59% Dividend Increase
- It's about Time!
   Placard
- Well Known Leasing Attorney Stephen Jenkins
    Passes Away at Age 67
- Cash-flooded Bank Balance Sheets
  May Come Back to Haunt U.S. Banks
    By Yoel Minkoff, Seeking Alpha News Editor
- Part 3 - Disclosures for Non-Traditional Finance Products
 and Beyond by Ken Greene, Esq.
    What You Don’t Know May Hurt You
- Part 2- Ken Greene, Esq. Report on SFNet Webinar
    State Financial Disclosure Legislation:
      What You Don’t Know May Hurt You
- Part 1 - - Ken Greene, Esq. Report on SFNet Webinar
 State Financial Disclosure Legislation:
    What You Don’t Know May Hurt You- Marlin Business Services Reports 1st Quarter
   Net Income of $6.9 Million
- North Mill Equipment Finance Continues to Expand
   with Fourteen New Staff Members
- American Association of Commercial Finance Brokers
    Announces New Board Members
- Maxim Commercial Capital Reports
   Strong Q1 2021 Demand
- Amur Equipment Finance Successfully Completes
   Largest Ever Term Securitization
- Cash Advance Firm to Pay $9.8M to Settle FTC Complaint
    It Overcharged Small Businesses
- ELFF Reports Equipment Finance Industry Confidence
   at All-Time High in April
- Small Business Owners Struggle
   to Find Qualified Workers
- Sale of Marlin Expected 1st Quarter, 2022, Depending on
  Sale of Marlin Bank, Other Regulations and Requirements
   President/CEO Hilzinger Expected to Retire after Completion
- Infographic: 2021 Section 179 Business Vehicles
   A visual look at the Section 179 tax deduction and
- 2021 World Leasing Yearbook
    Includes lists of Funders by Country
- Currency and Mazo Capital Solutions
    (888) 702-9292
- North Mill Restructures Working Capital Solutions
    and Expands Customer Benefits
- Merchants Bank Equipment Finance recognized
   for 30 years of membership
- Chesswood Announces the Merger of its Blue Chip Leasing
    Subsidiary with Vault Credit Corporation
- Looks Like One More Once for California  SB 1235
    to Put Financial Disclosures on Commercial Transactions
- “Bill Requiring Certain Financing Disclosures,"
    Making its Trip through the Connecticut Senate
- Section 179 at a Glance for 2021
    CrestCapital.com
- Trebels Group Found Guilty $350,000
    Dallas School Bus Sale/Leasebacks
- Current Regulations in United States
     Not Official, Compiled from Many Sources, Needs Updating
- How to find out your Social Selling Score on LinkedIn
    By Melanie Goodman, The Link Tank
- The Most Popular Websites Since 1993
- Marlin Business Services 2Q $5.9 Million Loss
    Compared to $11.8 Million Loss 1Q
- Pictures from the Past:
    Paul Menzel and Jim Merrilees. 1992
- Nine Steps to Handle Irate Customers Effectively
- New York Follows California’s Lead
  By Passing Small Business Truth-in-Lending Act
- Business is a Mess
- The Law to Change Financial Disclosure in California
    Under Construction, Perhaps Delayed
- Marlin Business Services Lets Go Another 25 Employees
    Form 8-K Notice
- Balboa Capital Added to Good Guys: Companies
   Who Notify Lessee in Advance of Lease Expiration
- RISC rolls out employment site
    tailored for repossession industry
- Credit Grantors Scramble to Catch Up in Decision Making
  COVID-19 Changing Business Dynamics
- Crestmark Vendor Finance to Halt Business
   From 7/1/2020 to 7/19/2020
- Popular Barry Shafran Out as President/CEO
   Chesswood Group Limited, Pawnee Parent among others
- Country singers Chase Rice and Chris Janson
    are taking heat for packed outdoor concerts in Tennessee
- ELFA Announces New Networking Tools
    for Equipment Finance Professionals in ELFA Engage App
- Leasing/Finance Companies Doing Well
   Despite COVID-19 Pandemic
- Government Leasing is a Wide Open Marketplace
   Growing Under Tight Local, State and Federal Budgets
- Prime Commercial Lending Offers New Financing Options for Cannabis
- Companies with 2 or More CLFP’s/Associates Adds 30 New Members
- Pawnee Leasing Back in Business
   Sends Notice to Their Brokers
- Letter from Sender of Pawnee Leasing Back in Business
- NVLA Executive Director Moves Down the Road
- COVID-19 downturn hits lending industry
- Marlin Business Services Announces Further Staff Cuts
- Specialists in cannabis and hemp company leasing
- Report: 85 Percent of Independent Restaurants
    Could Close Without Direct Aid
- Back to Business Not Yet
- NY Based Finance Companies Deceived Small Businesses,
    with Merchant Cash Advance, one at 4,000 percent Interest
- New York Attorney General's Office Wins Major Case
    Against Northern Light Systems Leasing and Affiliates
- Dr. Dan Geller Predicts US Being Pushed
  into a Prolonged Recession
- Mapped: The Wealthiest Person in
   Every U.S. State in 2020
- How Vaccines Eradicated Common Diseases
- Be Prepared for What May be a Bankruptcy Lifeline
   for Small Businesses to Survive COVID-19
- Top Six Leasing/Finance Company Websites
   in North America
- Equipment Broker School Sign Ups Surged
  Includes report MCA, Funders, Business Loans, Leasing Marketplace
- Credit reports are now free, every week
- Jeff Rudin, Quail Capital, Two Dogs
  One from Leasing News Adopt a Dog
- Ralph Mango Remembers the Start of FinTech
- Balboa Capital Gets Excellent Review over Other Companies
  By DBRS Morningstar Confirms Three Securitizations
- Chesswood Posts $19.8 Million Loss 1st Quarter
   Reports on Pawnee/Staffing and Expenses
- DBRS Morningstar Places 10 Amur Equipment Finance
   Securities Under Review with Negative Implications
- A Posting to Our Employees Today, Chris Enbom, CLFP
= Rapid Finance, Bethesda, Maryland
   Fora Financial Asset, NY, NY
   Rating Changes by Kross Bond Rating Agency
- Ending the Crisis in Sales Management Part III
= From Great to Mediocre (or worse) by Steve Chriest Parr II
- A Crisis in Sales Management by Steve Chriest Part I
- The Direction of Leasing News in the Pandemic
- Balboa Capital Opens Broker Division
  Hires Viki Shamus to Run It
- Marlin Sends out Press Release Net Loss $11.8M 1st Quarter
   Credit Losses $52.1 Million, $30.4 million Increase from 12/31/2019
- Marlin Business Services Files Revealing 8-K
     "Operating Under COVID-19 Pandemic”
- “In the middle of every difficulty lay opportunity”
   Kris Roglieri, National Alliance of Commercial Loan Brokers
- Leasing Readers Communicate What is Going On
- Open Letter to  Loan Brokers and Originators
- California DBO Continues to Seek Comments
 on SB 1235
- Don’t Get Caught Doing Business in California
   If You Are Required to Have a License or Don’t File Annual Report
- NewLane Finance Takes a New Lane
   By Christopher Menkin, Editor
- 5 Things the Finance World Can Learn From Marketers
- "We’re still getting residuals from a company 14 years later.”
     Phil Dushey, President, Global Financial Services
   for $429,000 as a Result of Lying to Lessee
- Four Types of Interim Rent
- FinTech #102  by Christopher Menkin
   Menkin has an Epiphany
- Alternate Finance Companies - Subprime
- FICO Score: Excellent to Bad
- Reader Complaint About LEAF Financial Investment (Collection)
- How to be a “Leasing Expert Witness”
    and Make Extra Income
- 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
- Lease Police Tips on Judging Vendors
- Alert: Rudy Trebels Back Soliciting Broker Business
- "The real U.S. Bank Equipment Finance story"
- The Day that Albert Einstein Feared May Have Finally Arrived
- California License Web Addresses
- Settlement Costs vs. Litigation Costs