Add me to mailing list    |           |      Search

Advertising | All Lists | Archives | Classified Ads | This Day In American History


Monday, April 26, 2010

Baseball player Kosuke Fukudome born April 26, 1977) Osaki, Soo District, Kagoshima, Japan. He joined the Chicago Cubs in December, 2008 and is presently an outfielder.


Rosanne Wilson, CLP, Joins Leasing News Advisory Board
   Classified Ads---Sales
 Small Ticket Market Healthy No Matter What
Bank Beat---Seven Illinois Banks Fail
  Classified Ads---Help Wanted
Top Stories April 19-23
 Cartoon---Hiring at Balboa Capital
  Leasing 102 by Mr. Terry Winders, CLP
 Bellevue, Washington--Adopt at Dog
  Classified ads—Collector/Collections/Consultant
News Briefs---
'Girls Gone Wild' owes $233,000 to CIT
 Supreme Court Ruling Goes Against Collection Industry
   You May have Missed---
     Sports Briefs---
      Today's Top Event in History
       This Day in American History
    Spring Poem
       Daily Puzzle
   Weather, USA or specific area
     Traffic Live----

######## surrounding the article denotes it is a “press release”


Rosanne Wilson, CLP, Joins Leasing News Advisory Board

A long time friend and supporter of Leasing News, Rosanne Wilson is the most recent to join the Advisory Board.

She most recently served five years on the Board of Directors of the National Association of Equipment Leasing Brokers (NAELB); one year as a Director and four years as treasurer. She is a “Best Practice Broker,” and is also a member of the Better Business Bureau, Beaverton Chamber of Commerce and Who's Who in Business Leaders.

Rosanne has been a Certified Lease Professional for twelve years, serving the last two years on the CLP Foundation Board of Directors. She is a mentor with the Certified Leasing Professional Foundation as well as a volunteer to grade tests for CLPs. She has been on the "Honor Roll" of the Better Business Bureau for 20 years.

Rosanne has been active in the equipment leasing industry since 1985. Rosanne founded 1st Independent Leasing, Inc. in 1990 and is currently celebrating her 20th year in business. She spent the prior 12 years with TransAmerica Financial Services and was the Branch manager of the Portland, Oregon office.

She is married and has 2 children and 4 grandchildren. Her hobbies include travel with her husband, spending time with her family and 3 cats, and gardening.

From Christopher "Kit" Menkin, Publisher/Editor:

“Over five years ago I wanted to have Rosanne Wilson on the Advisory Board, but she had said she was devoting her time to the National Association of Equipment Leasing Brokers on the board of directors, and to please wait for her retirement on the board.

"She has been one of the earliest supporters of Leasing News, a great friend, another person who tells it like it is, not a “yes man,” and is very bright, a hard worker, and I have waited this long as I think she will be very helpful to Leasing News and is worth the long wait!!!

"The entire Leasing News Advisory Board was very happy to learn she is now on board with her "positive energy," as Ed Castagna called it, or "I’m sure that your input will be valuable," as Bruce Kropschot called it, Chairman Bob Teichman said, " We’re lucky to have you join us," Ginny Young, "It’s great having you join us," Bruce Lurie: "Sounds like it’s going to be fun so congratulations," Ken Greene, "This has become quite an illustrious group,. or as Phil Dushay seems have summed it up, "Finally this group is getting some class.

Leasing News
Chairman, Advisory Board
Bob Teichman, CLP Teichman Financial Training, Sausalito, CA.
Advisory Board
Edward Castagna Nassau Asset Management, Westbury, NY.
Steve Crane, CLP Bank of the West, Walnut Creek, CA.
Dale Davis Endeavor Financial Services, Costa Mesa , CA

Phil Dushey Global Financial Services, Manhattan, NY.
Ken Greene, Esq. Universal City / Kentfield, California
Shawn D. Halladay The Alta Group, Salt Lake City, UT
Robert S. Kieve Empire Bradcasting, San Jose, CA.
Bruce Kropschot Kropschot Financial Services, The Villages, FL.
Bruce Lurie Douglas-Guardian Services Corporation, Houson, TX.
Andrew Lea, M.A. Point Richmond, Calif.
Allan Levine Madison Capital, LLC., Owings Mills, MD
Don Myerson BSB Leasing, Colorado,Hawaii
Armon L. Mills, CPA San Diego Business Journal, San Diego, CA.
Dan Pulcrano Metro Newspapers, San Jose, California
Pacific Rim Partners & Sunrise Tankers, San Francisco, CA.
Ginny Young former Brava Capital, Orange, CA.
Rosanne Wilson, CLP 1st Independent Leasing, Beaverton, OR.

Christopher Menkin Saratoga, California


Classified Ads---Sales

Boston, MA
Senior leader in companies of varying size and scope, including start-ups. My current focus is sales, as a leader or as an individual contributor.
Cherry Hill, NJ
College grad seeking entry level sales position for equipment leasing and financing in small to mid-size ticket markets. Have 6 months experience in the industry and self-motivated. Contact Matt at 609-280-2178 or
email at

Aggressive, competitive self-starter with vendor/direct equipment
leasing and asset-based lending experience. Success in business banking sales and financial planning.
Email: | Resume

Minneapolis, MN
16 years leasing experience from micro to large ticket market, variety of equipment. Most recently calling on vendor telecom dealers in Upper Midwest.

Montgomery, AL
Individual with 10 years advertising sales exp. & 7 years insurance sales exp. Wants independent contractor situation in Alabama.
Work with leasing company or broker.334-590-5133

Orange County, CA
20+ years in leasing sales & sales management.
Have estab. existing remote office with Lessee /Vender following.
Looking for a partnership w/funding source.

Philadelphia Metro Area - 30 Years experience Healthcare sales/ management- 3 years experience newly create "small-ticket" healthcare division. Good success - Mitch Utz 215-460-4483
Pittsburgh , PA
Aggressive self starter looking for leasing position w/10 plus yrs sales exp., plus banking experience 814-227-4592

Pittsburgh, PA
Over 25 years of leasing experience including Captive, Dealer, Broker, and Third Party. Multiple equipment types. Seeking a Territory or National Sales position.

San Francisco Bay Area:
Business Development “Hunter” with transferable book of business in multiple segments: commercial construction, technology, fitness, etc. Years of managerial experience: can also be a “player/coach”.

15 year lease vet looking for plact to take business.great references. all major equipment types. open to compensation. please contact if interested.

For a full listing of all “job wanted” ads, please go to:

Other e-Mail Posting Sites:



Small Ticket Market Healthy No Matter What

It appears Richard Latour, President and Chief Executive Officer, Microfinancial/TimePayment ((NASDAQ: MFI) now joins Paul Menzel, CLP, President, Financial Pacific, who said the small ticket marketplace is alive and doing well. Not many seem to have this viewpoint.

Microfinancial/TimePayment, perhaps the only active major leasing company that goes down to $500 lease transactions, had a very good first quarter, earning $12.3 million compared to $10.9 million the first quarter of 2009.

Richard Latour, President and CEO of Microfinancial

“As we navigate through one of the worst economic environments in our history, we are continuing to grow our business,"

Latour said. "During the first quarter, we processed over 15,600 applications representing over $101 million, an increase of approximately 7% and 4% respectively over the fourth quarter of 2009. Our net investment in leases at the end of the first quarter was approximately $126 million, an increase of 23% over the same period last year. In addition, we approved 366 new vendors bringing our total vendor count to approximately 5,200."

New since last year was the hiring of Mark Sullivan from Wells Fargo, as well as other changes made under Latour's direction. Cash went from $391,000 to $1,381,000. While others, such as Marlin Business Services, profit came from insurance and Evergreen leases, according to their SEC filings, revenues on leases went up from $6,789,000 to $8,122,000, and expenses went down from $3,572,000 to $3,200,000. During this period, the company also increased its provision for credit losses from $5.4 million to $6.9 million.

". Despite an increase in charge offs for the quarter, this is our thirteenth consecutive quarter of increased cash received from customers," Latour said. "We continue to believe that our conservative leverage ratio, strong cash flow, and availability under our revolving line of credit provide us with the opportunity to grow a well diversified portfolio.”

Full SEC filing:


Bank Beat---Seven Illinois Banks Fail


Seven Illinois Banks were closed last week on the end of Friday by the FDIC, four in Chicago, estimated to cost $973.4 million to the insurance fund. The total failures this year is 57, ten in Illinois.

Amcore Bank, National Association, Rockford, Illinois was closed with Harris National Association, Chicago, Illinois, to assume all of the deposits. This is a large bank with 58 branches founded September 17, 1931. Most branches were in Winnebago County (41); Kane County (6), Cook County (5), Dupage County (5), McHenry County (4) Lake, and in the State of Wisconsin: Dane County (9), County (3), Saulk County (3), Green and Milwaukee (1 each).

From December 30, 2008 Amcore had gone from 1,266 full-time employees to 838; bank equity had dropped from $311.1 million to $97.3 million, losing $90,5 million in 2008 to losing $213.1 million in 2009 ($145.7 million in real estate: $101,030 million construction and land development,.55 million secured by farm land, $11.4 secured by 1-4 residential property, $3.8 multi-family property, $28.8 secured by nonfarm nonresidential property. In addition $22.4 million in commercial and industrial loans, $14.8 million in loans to individuals. Tier 1 risk-based capital ratio: 3.94%.

As of December 31, 2009, Amcore Bank, National Association had approximately $3.8 billion in total assets and $3.4 billion in total deposits.

The FDIC estimates that the cost to the Deposit Insurance Fund (DIF) will be $220.3 million.

Broadway Bank, Chicago, Illinois, was closed with MB Financial Bank, National Association, Chicago, Illinois, to assume all of the deposits.

The bank had four branches in Chicago itself and 59 full time employees. Founded in May 7, 1979, the end of year net equity in 2008 was $75.2, but dropped to $30.27 million 2009. The bank lost $13.3 million in 2008 and $75.3 million in 2009 ($33.9 million construction and land development, $185,000 secured by farm land, $5.3 in 1-4 family residential property, $6.7 multifamily, $10.2 nonfarm nonresidential property. $693,000 commercial and industrial loans, $569,000 other loans; a total charge off of $57.67 million. Tier 1 risk-based capital ratio: 3.27%

As of December 31, 2009, Broadway Bank had approximately $1.2 billion in total assets and $1.1 billion in total deposits.

The FDIC estimates that the cost to the Deposit Insurance Fund (DIF) will be $394.3 million.

The four branches of Lincoln Park Savings Bank, Chicago, Illinois, were closed with Northbrook Bank and Trust Company, Northbrook, Illinois, to assume all of the deposits As of December 31, 2009, Lincoln Park Savings Bank had approximately $199.9 million in total assets and $171.5 million in total deposits.

Founded January 1, 1946 by James Kane Sr., the Kane family had remained in charge for three generations, with the elder grandson James Kane III its president and CEO and his brother Edward Kane, the Chief Lending Office. In an effort to keep the family bank open, Lincoln Park went from 64 full time employees in 2008 to 75 full time employees in 2009. The net equity decreased from $12.8 in year-end 2008 to $7.7 million in 2009 after losing $7.5 million in 2008 and $9.2 million in 2009 (total charges off were $4.8 million with $3.8 million construction and land development, $446,000 secured by multi-family residential property, $346,000 by 1-4 family residential property, $183,000 to individuals, $103,000 credit cards).Tier 1 risk-based capital ratio 2.43%. Core capital (leverage) ratio 1.67% .

The FDIC estimates that the cost to the Deposit Insurance Fund (DIF) will be $48.4 million.

The sole branch of Wheatland Bank, Naperville, Illinois was closed with Wheaton Bank & Trust, Wheaton, Illinois to assume all the deposits. As of December 31, 2009, Wheatland Bank had approximately $437.2 million in total assets and $438.5 million in total deposits. Wheaton Bank & Trust will pay the FDIC a premium of 0.4 percent to assume all of the deposits of Wheatland Bank.

In December, 2009, the bank sued its former CEO claiming he had been making loans to substandard borrowers, specially claiming he was personally profiting because these substandard clients were from another lender the he owned money. Sykes founded the bank with a group of friends in 2006 and the bank was founded February 5, 2007. The bank emphasized commercial real estate lending, more than doubling its assets to nearly $500 million at a time in which many other banks were pulling back on real estate lending.

In an effort to keep a lid on the real estate loans, the bank had gone from 16 full time employees year-end 2008 to 21 full time employees by year-end 2009 as equity year-end 2008 was $38.2 million and 2009 a minus $6 million from $12.7 million construction and land development, $2.8 million 1-4 family residential property, $1.2 million construction and industrial loans, to $412,000 nonfarm nonresidential property loans.) Tier 1 risk-based capital ratio -1.67%. Core capital (leverage) ratio -1.30%

The FDIC and Wheaton Bank & Trust entered into a loss-share transaction on $300.2 million of Wheatland Bank's assets.

The FDIC estimates that the cost to the Deposit Insurance Fund (DIF) will be $133.0 million.

The two branches of Peotone Bank and Trust Company, Peotone, Illinois, were closed with First Midwest Bank, Itasca, Illinois to assume the deposits. PEOTONE BANCORP, INC. Peotone Bancorp is the owner of both Peotone Bank, Illinois and Legacy Bank, Scottsdale, Arizona.

Legacy Bank, Scottsdale, Arizona had a "cease and desist order" are reportedly controlled by an ownership group that had seven banks closed on July 2, 2009 that cost the FDIC $314 million.

It appears is a large mortgage company called the Legacy Group. Legacy has 23 employees and net equity has dropped from $15 million year-end 2008 to $7 million, with loss of $5 million 2008 and $8.6 million 2009 ($3.3 million charge off in construction and loans, $2.9 million in commercial and industrial loans; Tier 1 risk-based capital ratio 4.79%.

At this time, it is only Peotone that has been closed. As of December 31, 2009, Peotone Bank and Trust Company had approximately $130.2 million in total assets and $127.0 million in total deposits. The FDIC and First Midwest Bank entered into a loss-share transaction on $57.5 million of Peotone Bank and Trust Company's assets. There were 42 full time employees.

Founded January 1, 1916 the net equity had dropped from $10.3 million year-end 2008 to $4.1 million following a profit of $917,000 year-end 2008 to a $6.69 million loss year-end 2009 with $2.8 million in charges offs ($1.8 million commercial and industrial loans, $824,000 in 1-4 family residential property, $126,000 other loans, $78,000 loans to individuals. Tier 1 risk-based capital ratio 4.16%

The FDIC estimates that the cost to the Deposit Insurance Fund (DIF) will be $31.7 million.

The three branches of New Century Bank, Chicago, Illinois, were closed today by the Illinois Department of Financial and Professional Regulation — Division of Banking with MB Financial Bank, National Association, Chicago, Illinois, to assume all of the deposits. As of December 31, 2009, New Century Bank had approximately $485.6 million in total assets and $492.0 million in total deposits.

They had lost 9 full time employees ending up with 70 the end of 2009. Net equity had dropped from $24.7 million year-end 2008 to $13.3 million year-end 2009; after two years of loss: $18.7 million in 2008 and $12.3 million in 2009 ( $2.5 million charge off: $1.5 million in commercial and industrial loans, $391,000 loans secured by 1-4 family residential property, $265,000 secured by nonfarm nonresidential property, $66,000 multi-family residential; $19,000 loans to individuals). Tier 1 risk-based capital ratio 3.34%.Core capital (leverage) ratio 2.70%

The FDIC estimates that the cost to the Deposit Insurance Fund (DIF) will be $125.3 million.

The sole branch of Citizens Bank & Trust Company of Chicago, Chicago, Illinois was closed with Republic Bank of Chicago, Oak Brook, Illinois taking over the deposits. As of December 31, 2009, Citizens Bank & Trust Company of Chicago had approximately $77.3 million in total assets and $74.5 million in total deposits.

Founded January 31, 2000, the bank had gone from 25 full time employees the end of 2008 to 20th end of 2009, net equity dropping from $3.9 million to $2.35 million 2009. The bank lost $1.2 million in 2008 and $1.6 million in 2009. The main category loss was commercial and industrial loans $867,000, but also had lost $400,000 in construction and land development, $97,000 in 1-4 family home residential and $34,000 "other loans." Tier 1 risk-based capital ratio 3.93%. Core capital (leverage) ratio 2.94%.

The FDIC estimates that the cost to the Deposit Insurance Fund (DIF) will be $20.9 million

54 Bank Ratings State of Washington:

List of Bank Failures

Bank Beat:

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


Leasing Industry Help Wanted


We are looking for experienced business development
 professionals with established vendor / client
 contacts in general manufacturing equipment,
 road maintenance, material handling , radio/TV broadcasting
and other hard collateral.
We have openings for in-house business development positions 
and Independent Sales Associates.

Contact or send resumes to: John Martella SVP
800 800 8098 ext 5209 or direct: 248 743 5209

Please see our Job Wanted section for possible new employees.


Top Stories April 19-23

Here are the top ten stories opened by readers:

(1) Balboa Capital, Irvine, California
Bulletin Board Complaint

(2) Archives--April 21, 2000
Bob Rodi Launches Internet Leasing Software

(3) NAELB Conference a Huge Success

(4) TCF grows niche by niche

(5) Archives, April 19, 2000
Ken Greene Business News

(6) Jim Raeder back in Leasing Business?
by Christopher Menkin

(7) Leasing 102 by Mr. Terry Winders, CLP
Two Kinds of Capital Leases for GAAP

(8) Puget Sound Leasing, Bellevue Up-Date

(9) Now is the Time for Government Leasing

(10) Sales Make it Happen by Christopher “Kit” Menkin
Leasing Sales Tea Party

(This ad is a “trade” for the writing of this column. Opinions
contained in the column are those of Mr. Michael Witt, Esq.)


Balboa Capital


Leasing 102

by Mr. Terry Winders, CLP


Definition: Usury is defined as the act of lending money at an unreasonably high interest rate; this rate is defined at the state level. Repayment of loans or leases (under Article 9) at a usurious rate makes repayment excessively difficult to impossible for borrowers. This is also called "loan sharking" or "predatory lending".

Usury has recently come back into legal conversations due to the emergence of payday loans and sub-prime lending. These types of loans are aimed at those who are at greater risk of defaulting, those with lower incomes. However, usury is beginning to be applied in many States to leases that fail to be true leases under Article 2A and fall into Article 9.

The usury laws, predatory lending, and loan sharking rules use to apply more to local banks. Since the passing of a federal law stating that the state usury laws do not apply to banks that label themselves with the words "national", these banks have been able to offer loans above the state usury limit. These "national" banks are allowed to apply interest rates a number of points higher than the Federal Reserve Discount Rate. The Federal Reserve Discount Rate is the rate banks get when borrowing directly from the Federal Reserve Bank for short term funds.

There are a number of different lending tactics that are considered predatory lending or leasing. Some lessor’s dispute whether these are unethical, often citing that lessees have choices of who they get their leases from.

Below are the most common practices labeled "predatory".

Fees & lease rate. Common complaints on predatory lending and leasing involve fees incurred which are not included in the lease rate. Lessees may not know they have a no-fee lease line of credit, or may not be able to get a no-fee lease line of credit. Lessor’s may take advantage of this by offering a reasonable lease rate, but tacking on a fee. The lease rate may appear attractive, but the fee is not considered in the lease rate, if it were the rate would appear significantly higher.

Risk-based leasing: This is the practice of charging higher lease rates to the lessees who are labeled as high-risk, meaning there is a higher risk that the lessee will not be able to pay back the lease and thus default. Lessor’s argue they need the higher lease rates in order to offset the losses from those that default. Business groups, however, counter that the higher lease rates themselves make it more difficult for the individuals to pay back the lease, and the lessors are simply price-gouging.

Key Man Insurance: Lessor’s will push single premium key man insurance stating that the insurance will pay off the lease if the owner passes away. The cost of the insurance is often added to the lease, making it more appealing since it does not have to be paid in one lump sum. This makes the lease more expensive, and compounds the interest of the insurance over the life of the lease.

It is difficult to understand the usury laws of most States but it is becoming imperative that commercial equipment leasing companies check with legal counsel on the limits and requirements it the States that they operate. The most common limit seems to be 5 points above the federal discount rate. $1 out leases and bargain purchase option leases are under attack in an ever increasing number of States and it is only going to get worse. So check before you lease in a new State because in some States in is a felony if the lease rate is twice the usury rate. It also changes fairly often so you need to stay on top of it if you are not into true leasing. Remember true leases with high purchase options or no purchase options are not affected by usury.

Mr. Terry Winders, CLP, has been a teacher, consultant, expert witness for the leasing industry for thirty years and can be reached at or 502-327-8666. He invites your questions and queries.

Previous #102 Columns:

Little Rock, Ark.


Meet and learn from Mr. Terry Winders, CLP

Leasing #102 columnist for Leasing News,
long time educator and trainer

Sales and Operations
click here for course information and to register

June 9, 10, until Noon on the 11th
Little Rock, Arkansas
Hosted by Arvest Equipment Finance

$395.00 Paid in Advance for first person from company
$345 with each additional attendee 

"Certified Leasing Professionals attending this seminar will earn CPEs (Continuing Professional Education)
Credits toward their recertification"

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


Rancho Santa Fe---Adopt-a-Dog


Breed: Pug / Mix
Gender: Female
Size: Small
Age: 5 years
Introduce to: Kids 0+, Dogs, Cats
ID #: 10165793

“Happy is a 5-year old Pug. She came to the Seattle Humane Society by her owner who could no longer care for her. She is very sweet, quiet at first and then wants to snuggle with you. Happy enjoys the company of other dogs and even cats. Come meet Happy at the Seattle Humane Society today!

“As with all of our dogs, Happy has been spayed, micro-chipped, vaccinated and behavior tested. She will go home with a certificate for an examination by a King County veterinarian and an identification tag. PLUS, most dog adoptions include six weeks of training in one of our on-campus dog behavior courses - a great way to start off on the right paw!

“Introduce to kids, dogs (req), cats. (BEH)”

This pet comes with an implanted 24PetWatch microchip and free registration into the 24PetWatch pet recovery service. For more information call 1-866-597-2424.

This pet also is eligible for 30 days of pre-paid pet health insurance. For more information please visit or call 1-866-375-PETS.

Adoption Hours
Monday - Sunday: 12:00 pm to 6:00 pm

VISIT Our Pets in Person
Seattle Humane Society
13212 SE Eastgate Way
Bellevue, Washington 98005-4408

Adopt-a-Pet by Leasing Co. State/City

Adopt a Pet


Classified ads—Collector/Collections/Consultant

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

Collector: Milwaukee, WI
We specialize in ATM machine reposession and remarketing. We can get you top dollar for your inventory.

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

Collector: Saint Louis, MO
Complete commercial collection agency. Licensed bonded in all states and will out performed any other agency!
Call 1-800-659-7199 ext.315
  Consultant: Burlington, CT
We provide our clients with a full range of consulting services such as portfolio conversions, reconciliation, custom programming and leasing operations utilizing InfoLease.
Consultant: Europe
15 years doing deals/running own technology leasing company – looking to advise/ lead new entrants to take advantage the European market opportunity. or
Consultant: Henderson, NV
Focus on new business development and process efficiencies to create incremental revenue and profitability. Executive level vendor experience, and satisfied outsourcing clients. Incredible track record.

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

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

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

Communications: Chassell, MI

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

mail projects etc. Fees are negotiable.
Go to


Leasing Industry Outsourcing
(Providing Services and Products)

All "Outsourcing" Classified ads (advertisers are both requested and responsible to keep their free ads up to date:

How to Post a free "Outsourcing" classified ad:


News Briefs----

'Girls Gone Wild' owes $233,000 lease payments to CIT

Supreme Court Ruling Goes Against Collection Industry


You May have Missed---

Pat Tillman film a haunting blindside ( 1 & 2, next to finish)


Sports Briefs ---

Goodell's done well with discipline, but he's created a double standard

Oregon RB Blount decides to join Titans over 49ers

Beloved former Warriors owner Mieuli dies

Who will be the top picks in the 2011 Draft?


Today's Top Event in History

1971 - The U.S. command in Saigon announces that the U.S. force level in Vietnam is 281,400 men, the lowest since July 1966. These figures were a direct result of President Richard Nixon's new "Vietnamization" strategy, which he had announced at the Midway Conference in June 1969. This strategy was a three-pronged program to disengage the United States from the war in Vietnam.


This Day in American History

    1607 - Ships under the command of Capt. Christopher Newport sought shelter in Chesapeake Bay. The forced landing led to the founding of Jamestown on the James River, the first English settlement. An expedition of English colonists, including Capt. John Smith, went ashore at Cape Henry, Va., to establish the first permanent English settlement in the Western Hemisphere.
    1655 - Dutch West Indies Co. denied Peter Stuyvesant's desire to exclude Jews from New Amsterdam.
    1777-- Sybil Ludington, age 16, rode through towns in New York and Connecticut to warn that the Redcoats were coming... the redcoats were coming to Danbury, CN. All very Paul Reverish, except Sybil completed HER ride, and SHE thus gathered enough volunteers to help beat back the British the next day. Her ride was twice the distance of Revere's. No poet immortalized (and exaggerated) her accomplishments. Revere did NOT complete his ride; two other men actually did most of the warning ride. Her hometown was renamed after her.  
    1785-birthday of John James Audubon, American artist and naturalist, best known for his Birds of America , born at Haiti. Died Jan 27, 1851, at New York, NY.
    1798-birthday of Jim Beckwourth, black American mountain man, born at Virginia and died in 1867(?) at Denver, Colorado Territory. Marrying a series of Indian women, Beckwourth lived with the Crow Indians for about six years. He went further west, establishing a route through the Sierras to the newly discovered gold fields of California, where he was immortalized by journalist Thomas Bonner. He later served as a guide and interpreter for US troops in the Cheyenne War of 1864. He died mysteriously during a return visit to the Crow.
    1819-One of the most popular “groups” started as Washington Lodge 1, Odd Fellows Lodge, in Baltimore, MD. It was organized by Thomas Wildey and acted under a charter obtained from the Duke of York Lodge of England. In 1821, Wildey organized the Grand Lodge of Maryland, of which he became grand master, and the Grand Lodge of the United States, of which, he became grand sire. At the time of his death in 1861, there were more than 200,000 members of the Independent Order of Odd Fellows in 42 states.
    1822-birthday of Frederick Law Olmsted, known as the "father of landscape architecture in America," Olmsted participated in the designing of Yosemite National Park, New York City's Central Park and parks for Boston, Hartford and Louisville. Born at Hartford, CT, died at Waverly, MA, Aug 28, 1903. Olmsted's home and studio, Fairsted Estate outside of Boston, is now preserved as a National Historic Site and is open to the public: 99 Warren St, Brookline, MA 02146.
    1834 - Killer frosts were reported in the Deep South. The frost was quite severe around Huntsville AL, and highlighted a backward spring in the South that year.
    1865 -- John Wilkes Booth, Lincoln's assassin, is shot dead near Bowling Green, Virginia.
    1865 - Confederate General Joseph Johnston officially surrenders his army to General William T. Sherman at Durham Station, North Carolina. After the surrender of General Robert E. Lee's force on April 9, Johnston's army was the last hope of the Confederacy.
    1882--Birthday of Jessie Redmon Fauset - U.S. black editor, teacher, and writer. JRF was probably the first black women to receive the Phi Beta Kappa. Because of her fine writing ability, W. E. B. DuBois invited her to join the NAACP staff as literary editor of its publication Crisis. Fauset then played a major role in the literary tradition of the Harlem Renaissance by encouraging young writers. Her much praised personal writings often dealt with racial prejudice. She was a high school teacher.
    1895—birthday of pianist Charles “Cow Cow” Davenport, Anniston, AL
    1886-blues singer Ma Rainey ( Gertrude Pridgett) born Columbus, GA. During her heyday in the 1920's, she was billed as the "Mother of the Blues" and served as a model for the more famous Bessie Smith. The best known of her 90-odd recordings is "See See Rider Blues" made in 1925 with Louis Armstrong on cornet. The song has been revived countless times by blues, jazz and rock musicians. Ma Rainey died in 1939 at the age of 53. Her life inspired the 1985 Broadway musical "Ma Rainey's Black Bottom."
    1893-birthday of Anita Loos, American author and playwright, born at Sisson, CA. She is best remembered for her book Gentlemen Prefer Blondes , published in 1925. Loos, a brunette, died at New York, NY, Aug 18, 1981.
    1908-drummer Dave Tough born Oak Park, IL.
    1914--Author Bernard Malamud born Brooklyn, New York, best known for The Fixer and the baseball novel The Natural. Died 1986.
    1920—Birthday of platinum blonde singer , Peggy Lee, one of the great U.S. jazz singers, stylists, and composers, born Norma Deloris Egstrom in Jamestown, North Dakota. Some of her best known renditions "Why Don't You Do Right," "Fever," “Big Spender,” “Manana,” "Is That All There Is?" She sued Disney corporation for just compensation for her work on the movie The Lady and the Tramp for which she got only $3,500 for composing or co-composing all of the music, as well as playing four of the major roles, and singing three of the hits. She signed the contract before videos came into existence and the case became celebrated for revealing film studio's inventive bookkeeping methods that kept films from showing a profit even though it wa one of the highest grossing movies of the period. The courts awarded her $3.8 million. The film grossed $160 million with another $72 million from the videos. Michael Eisner, the new president of Disney who collected up to 582 million dollars a year in salaries and bonuses fought the Lee suit through the courts. Lee was 70 when the verdict was rendered but Eisner continued with an appeal. She died January 21, 2002.
    1921- flutist Jimmy Giuffre Birthday
( listen to the “Train and the River”)
    1921-birthday of pianist Dave “Fat Man” Williams, New Orleans, LA

    1921-birthdayof alto saxophonist Preston Love, Omaha, NE.
    1922—birthday of pianist Dorothy Donegan, Chicago, IL
    1924-sax player Teddy Edwards born, Jackson, MS
    1924-birthday of tenor saxophonist Teddy Edwards, Jackson, MS
    1931 - NBC radio presented "Lum and Abner" for the first time. The popular program continued for 24 years on the air, not all of them on NBC. In fact, all four networks (CBS, ABC, Mutual and NBC) carried the program for a period of time. "Lum and Abner" hailed from the fictitious town of Pine Ridge. Fictitious, that is, before 1936, when Waters, Arkansas, changed its name to Pine Ridge
    1931 -- Baseball's Lou Gehrig hits a home run but is called out for passing a runner; the mistake costs him the American League home run crown — he and Babe Ruth end up tied for the season.
    1932 - The Texaco fire chief, Ed Wynn, was heard on radio's "Texaco Star Theater" for the first time. Wynn, a popular vaudeville performer, demanded a live audience to react to his humor if he was to make the switch to radio. The network consented and Wynn became radio's first true superstar. He would later make the switch to TV.,+Ed
    1937 - During the Spanish Civil War, the German military tests its powerful new air force, the Luftwaffe, and the principles of Blitzkrieg, on the Basque town of Guernica in northern Spain. Although the independence-minded Basque region opposed General Francisco Franco's Nationalist forces in the Spanish Civil War, Guernica itself was a small rural city of only 5,000 inhabitants that declared nonbelligerence in the conflict. With Franco's approval, the cutting-edge German aircraft began their unprovoked attack at 4:30 p.m., the busiest hour of the market day in Guernica. For three hours, the German planes poured down a continuous and unopposed rain of bombs and gunfire on the town and surrounding countryside. One-third of Guernica's 5,000 inhabitants were killed or wounded, and fires engulfed the city and burned for days. The indiscriminate killing of civilians at Guernica aroused world opinion and became a symbol of fascist brutality. Unfortunately, by 1942, all major participants in World War II had adopted the bombing innovations developed by the Nazis at Guernica, and by the war's end, in 1945, millions of innocent civilians had perished under Allied and Axis air raids.
    1938-birthday of singer/guitarist Duane Eddy, Chicago, IL. Scores of young musicians took up the guitar after hearing his distinctive "twangy" sound, which came from playing the melody on the bass string of his instrument. Beginning in 1958, he had 25 hits on the Billboard Hot 100 chart. Among the most popular were "Rebel Rouser," "Because They're Young" and "Dance With the Guitar Man," all three of which sold more than a million copies. Duane Eddy had not had a record on the charts in North America since 1964, but in 1986 he returned as a guest artist on the Art of Noise's Grammy-Award-winning hit, "Peter Gunn." Eddy had first recorded, and had a hit with the TV theme, in 1960. His sound influenced countless rock guitarists, and opened the door to the electric guitar-dominated bands of the '60s and '70s
    1941-the Chicago Cubs became the first major league team to install an organ in their ballpark. Roy Nelson played a pre-game program.
    1942-birthday of singer Bobby Rydell, Philadelphia, PA. (real name is Robert Lewis Ridarelli), . At the age of eight he won an amateur contest run by bandleader Paul Whiteman, and it was Whiteman who gave him his stage name. He was just 17 when he had his first of two dozen chart records, "Kissin' Time," in 1959. Rydell's other hits included "Wild One" and "Volare." He starred in the movie "Bye Bye Birdie" in 1963.
    1944-Montgomery Ward Chairman Sewell Avery was physically removed from his office when federal troops seized Ward's Chicago offices after the company refused to obey President Franklin D. Roosevelt's order to recognize a CIO union. Government control ended May 9, shortly before the National Labor Relations Board announced the United Mail Order Warehouse and Retail Employees Union had won an election to represent the company's workers.
    1947---Birthday of Donna de Varona - U.S. swimmer, holder of 37 national swimming titles and two Olympic gold medals. She set a number of world records. Considered one of the finest exponents of the difficult 400-medley races that combined backstroke, butterfly, breaststroke, and freestyle, the Olympics did not hold the event for the women, just the men before 1964. She has been a battler for equal rights for women athletes. Verona cofounded and served as president of the Women's Sports Foundation.
    1951-Birthday of Sally Ride, the first U.S. astronaut into space who was also a woman. She was a crew member of the 7th and 13th space missions in 1983 and 1984. Ride holds a Ph.D. in physics. As part of the commission investigating the 1986 Challenger disaster, she declared the shuttle to be unsafe and refused to go back into space until after it was radically redesigned, claiming other astronauts felt the same way. It was redesigned but she was never given another space flight. After writing a report advocating the establishment of a lunar base, she became head of the Space Institute of the University of California (San Diego) in 1989.
    1951--DUKE, RAY E. Medal of Honor
Rank and organization: Sergeant First Class, U.S. Army, Company C, 21st Infantry Regiment, 24th Infantry Division. Place and date: Near Mugok, Korea, 26 April 1951. Entered service at: Whitwell (Marion County), Tenn. Born: 9 May 1923, Whitwell, Tenn. G.O. No.: 20, 19 March 1954. Citation: Sfc. Duke, a member of Company C, distinguished himself by conspicuous gallantry and outstanding courage above and beyond the call of duty in action against the enemy. Upon learning that several of his men were isolated and heavily engaged in an area yielded by his platoon when ordered to withdraw, he led a small force in a daring assault which recovered the position and the beleaguered men. Another enemy attack in strength resulted in numerous casualties but Sfc. Duke, although wounded by mortar fragments, calmly moved along his platoon line to coordinate fields of fire and to urge his men to hold firm in the bitter encounter. Wounded a second time he received first aid and returned to his position. When the enemy again attacked shortly after dawn, despite his wounds, Sfc. Duke repeatedly braved withering fire to insure maximum defense of each position. Threatened with annihilation and with mounting casualties, the platoon was again ordered to withdraw when Sfc. Duke was wounded a third time in both legs and was unable to walk. Realizing that he was impeding the progress of 2 comrades who were carrying him from the hill, he urged them to leave him and seek safety. He was last seen pouring devastating fire into the ranks of the onrushing assailants. The consummate courage, superb leadership, and heroic actions of Sfc. Duke, displayed during intensive action against overwhelming odds, reflect the highest credit upon himself, the infantry, and the U.S. Army.
    1952 - Air Force Major William H. Wescott, 51st Fighter-Interceptor Wing, scored his fifth aerial victory to become the 12th ace of the Korean War. His F-86 Sabre "Lady Francis/Michigan Center" was also used by Colonel "Gabby" Gabreski for one of his victories.
    1954-ESTOCIN, MICHAEL J. Medal of Honor
Rank and organization. Captain (then Lt. Cmdr.), U.S. Navy, Attack Squadron 192, USS Ticonderoga (CVA-14). Place and date: Haiphong, North Vietnam, 20 and 26 April 1967. Entered service at: Akron Ohio, 2() July 1954. Born: 27 April 1931, Turtle Creek, Pa. Citation. For conspicuous gallantry and intrepidity at the risk of his life above and beyond the call of duty on 20 and 26 April 1967 as a pilot in Attack Squadron 192, embarked in USS Ticonderoga (CVA-14). Leading a 3-plane group of aircraft in support of a coordinated strike against two thermal power plants in Haiphong, North Vietnam, on 20 April 1967, Capt. Estocin provided continuous warnings to the strike group leaders of the surface-to-air missile (SAM) threats, and personally neutralized 3 SAM sites. Although his aircraft was severely damaged by an exploding missile, he reentered the target area and relentlessly prosecuted a SHRIKE attack in the face of intense antiaircraft fire. With less than 5 minutes of fuel remaining he departed the target area and commenced in-flight refueling which continued for over 100 miles. Three miles aft of Ticonderoga, and without enough fuel for a second approach, he disengaged from the tanker and executed a precise approach to a fiery arrested landing. On 26 April 1967, in support of a coordinated strike against the vital fuel facilities in Haiphong, he led an attack on a threatening SAM site, during which his aircraft was seriously damaged by an exploding SAM; nevertheless, he regained control of his burning aircraft and courageously launched his SHRIKE missiles before departing the area. By his inspiring courage and unswerving devotion to duty in the face of grave personal danger, Captain Estocin upheld the highest traditions of the U.S. Naval Service.
    1956---Top Hits
Heartbreak Hotel/I Was the One - Elvis Presley
The Poor People of Paris - Les Baxter
Ivory Tower - Cathy Carr
Blue Suede Shoes - Carl Perkins
    1959--- Yomiuri Giant Sadaharu Oh hits the first of his homers in Japan.
1961-Roger Maris of the New York Yankees hit his first home run of the season against Paul Foytrack of the Detroit Tigers. Maris went onto hit 60more homers, breaking Babe Ruth's record for the most home runs in a season.
    1962-Ranger IV impacted the moon at 5,963 miles per hour. It was launched on April23fromthe Atlantic Missile Range, Cape Canaveral and traveled an estimated 229,541 miles.
    1964---Top Hits
Can't Buy Me Love - The Beatles
Twist and Shout - The Beatles
Do You Want to Know a Secret - The Beatles
Understand Your Man - Johnny Cash
    1965-in the third round of the NBA draft, the New York Knicks selected Dick Van Arsdale. With the next pick, the Detroit Pistons drafted Dick's twin brother, Tom. Both went on to distinguished careers.
    1967-Mama Cass Elliot gives birth to a daughter she names Owen Vanessa. She never told anyone who the father is.
    1968--LEE, MILTON A. Medal of Honor
Rank and organization: Private First Class, U.S. Army, Company B, 2d Battalion, 502d Infantry, 1st Brigade, 101st Airborne Division (Airmobile). place and date: Near Phu Bai, Thua Thien province, Republic of Vietnam, 26 April 1968. Entered service at: San Antonio, Tex. Born: 28 February 1949, Shreveport, La. Citation: For conspicuous gallantry and intrepidity in action at the risk of his life above and beyond the call of duty. Pfc. Lee distinguished himself near the city of Phu Bai in the province of Thua Thien. Pfc. Lee was serving as the radio telephone operator with the 3d platoon, Company B. As lead element for the company, the 3d platoon received intense surprise hostile fire from a force of North Vietnamese Army regulars in well-concealed bunkers. With 50 percent casualties, the platoon maneuvered to a position of cover to treat their wounded and reorganize, while Pfc. Lee moved through the heavy enemy fire giving lifesaving first aid to his wounded comrades. During the subsequent assault on the enemy defensive positions, Pfc. Lee continuously kept close radio contact with the company commander, relaying precise and understandable orders to his platoon leader. While advancing with the front rank toward the objective, Pfc. Lee observed 4 North Vietnamese soldiers with automatic weapons and a rocket launcher Lying in wait for the lead element of the platoon. As the element moved forward, unaware of the concealed danger, Pfc. Lee immediately and with utter disregard for his own personal safety, passed his radio to another soldier and charged through the murderous fire. Without hesitation he continued his assault, overrunning the enemy position, killing all occupants and capturing 4 automatic weapons and a rocket launcher. Pfc. Lee continued his 1-man assault on the second position through a heavy barrage of enemy automatic weapons fire. Grievously wounded, he continued to press the attack, crawling forward into a firing position and delivering accurate covering fire to enable his platoon to maneuver and destroy the position. Not until the position was overrun did Pfc. Lee falter in his steady volume of fire and succumb to his wounds. Pfc. Lee's heroic actions saved the lives of the lead element and were instrumental in the destruction of the key position of the enemy defense. Pfc. Lee's gallantry at the risk of life above and beyond the call of duty are in keeping with the highest traditions of the military service and reflect great credit on himself, the 502d Infantry, and the U.S. Army.
    1969, the Beatles entered the British charts with "Get Back." It had been recorded on the roof of the Apple Records building in London.
    1971 - The U.S. command in Saigon announces that the U.S. force level in Vietnam is 281,400 men, the lowest since July 1966. These figures were a direct result of President Richard Nixon's new "Vietnamization" strategy, which he had announced at the Midway Conference in June 1969. This strategy was a three-pronged program to disengage the United States from the war in Vietnam.
    1972---Top Hits
The First Time Ever I Saw Your Face - Roberta Flack
Rockin' Robin - Michael Jackson
I Gotcha - Joe Tex
Chantilly Lace - Jerry Lee Lewis
    1977-- The disco haven, Studio 54, was opened in an abandoned opera house in New York by Steve Rubell and Ian Schrager. It became the centre of the jet-set disco society, attracting the likes of Andy Warhol, Bianca Jagger and Liz Taylor. Disco - up-tempo, heavily-orchestrated dance music - was hugely popular in the 1970's. It was rooted in rhythm-and-blues, but the idea of disco dance clubs is generally thought to have originated in homosexual bars and clubs in New York.
    1980-Studio 54 was closed for liquor license violations, several months after owners Steve Rubell and Ian Schrager were jailed for tax evasion. It reopened under new management in 1981.
    1980---Top Hits
Call Me - Blondie
Ride like the Wind - Christopher Cross
With You I'm Born Again - Billy Preston & Syreeta
A Lesson in Leavin' - Dottie West
    1984 - Severe thunderstorms associated with an intense cyclone spawned a total of forty-seven tornadoes in two days from Louisiana to Upper Michigan. The tornadoes killed 16 persons and injured 259 others
    1984-the great Count Bill Basie passes away at the age of 79, Hollywood, FL. I took my three kids to his last concert at the Circle Star in San Carlos, California. After leaving the revolving bandstand in his electric “cart,” I introduced the three of them to one of my favorite jazz musicians. I hope they never forget the moment, as I have not. Kit Menkin
    1986--- 5150, the first Van Halen album to feature Sammy Hagar, tops the charts for the first of four weeks. The album is named after the New York police code for the criminally insane and Eddie Van Halen's recording studio.
    1987 - Twenty-two cities in the central and western U.S. reported new record high temperatures for the date. The afternoon high of 83 degrees at Astoria OR smashed their previous record by 13 degrees. Sacramento CA hit 94 degrees.
    1987 - Tennis star Chris Evert won her 150th career tennis tournament. She beat Martina Navratilova in Houston, Texas.
    1988---Top Hits
Where Do Broken Hearts Go - Whitney Houston
Devil Inside - INXS
Wishing Well - Terence Trent D'Arby
I'll Always Come Back - K.T. Oslin
    1988-“China Beach” premiered on TV. The stories revolved around the lives of the women serving at a Da Nang armed forces hospital during the Vietnam War. The theme and background music of the series evoked plenty of nostalgia from the turbulent era. The ABC drama was created by William Boyles, Jr, and John Sacret Young. The cast featured Dana Delany, Michael Boatman, Nancy Giles, Jeff Kober, Robert Picardo, Concetta Tomei, Brian Wimmer, Marg Helgenberger, Chloe Webb, Nan Woods, Megan Gallagher, Ned Vaughn and Ricki Lake.
    1988-the Boston Bruins snapped a string of 18 straight Stanley Cup playoff series losses to the Montreal Canadiens, dating back to 1943, by ousting the Habs, four games to one. Boston used two goals each from Cam Neely and Steve Kasper and strong goaltending from Rejean Lemelin to defeat Montreal,4-1.
    1989 - Thirty-three cities in the central and southeastern U.S. reported record high temperatures for the date. Afternoon highs of 91 degrees at Evansville IN and Nashville TN equalled April records. Thunderstorms produced severe weather from Iowa to Kentucky, with more than ninety reports of large hail and damaging winds. Thunderstorm winds gusted to 90 mph at Berwick IA.
    1990 - Twenty-nine cities from the Carolinas to the Great Lakes Region and western New England reported record high temperatures for the date as readings soared into the 80s and lower 90s. Record high temperatures included 95 degrees at Baltimore MD and 92 degrees at Allentown PA. The record high of 89 degrees at Alpena MI was the third out of six straight record highs for that location, and smashed their previous record for the date by ten degrees.
    1991 - Severe thunderstorms in the central U.S. spawned fifty-five tornadoes from northeastern Texas to Iowa and eastern Nebraska killing twenty-one persons. Early evening thunderstorms over south central Kansas spawned a violent (F-5) tornado whiched traveled 45 miles from southwest of Wichita to north of El Dorado. It killed seventeen persons, including thirteen at the Golden Spur Mobile Home Park in Andover. The tornado also caused 62 million dollars damage to McConnell Air Force Base as it crossed the south side of Wichita.
    2000- The St. Louis Cardinals set a major league record by hitting 50 home runs in April. Homers by pitcher Rick Ankiel, Jim Edmonds and Fernando Tatis in the 7-0 victory over the Brewers help to break the mark established by the 1997 Indians with 49.
    2001- Hideo Nomo just misses becoming the fifth pitcher since 1900 to hurl two no-hitters in a single season as former Gold Glove right fielder Darren Lewis just misses catching Torii Hunter's blooper in the top of the seventh inning. The hit, which many consider a questionable call by the scorer, is the only hit given up by the Red Sox right-hander in the 2-0 victory over the Twins. 2001 -After 2 1/2-years in the post, Kevin Malone resigns as the general manager of the Dodgers. Despite having the league's largest payroll, Los Angeles has failed to make the playoffs during his tenure.
    2004-Record heat hit the Bay Area with 91 reported in SF. 93 degrees was reported in San Jose.
    2005 --With three home runs during his first three trips to the plate, Alex Rodriguez becomes only the 11th major league player to bat in 10 or more runs in a game. The highest paid player in baseball history is one RBI shy of the American League record of 11 set by fellow Yankee Tony Lazzeri in 1936 and two short of the major league mark of 12 shared by Jim Bottomley (1924) and Mark Whiten (1993) of the Cardinals.

NBA Finals Champions This Date

•  Boston Celtics


Spring Poem


  by W.H.Auden

For us like any other fugitive,
Like the numberless flowers that cannot number
And all the beasts that need not remember,
It is today in which we live.

So many try to say Not Now,
So many have forgotten how
To say I Am, and would be
Lost, if they could, in history.

Bowing, for instance, with such old-world grace,
To a proper flag in a proper place,
Muttering like ancients as they stump upstairs
Of Mine and His or Ours and Theirs.

Just as if time were what they used to will
When it was gifted with possession still,
Just as if they were wrong
In no more wishing to belong.

No wonder then so many die of grief,
So many are so lonely as they die;
No one has yet believed or liked a lie,
Another time has other lives to live.




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?



Daily Puzzle

How to play:

Refresh for current date:






See USA map, click to specific area, no commercials



Traffic Live---

Real Time Traffic Information

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



Independent, unbiased and fair news about the Leasing Industry.