Information, news, and entertainment for the commercial
alternate financing, bank, finance and leasing industries

Subscribe to Leasing News - FreeSearch | All Lists | Columnists | Site Map
Advertising| Archives | Classified Ads | This Day In American History

Email the Editor

Moniday, April 24, 2023

Today's Leasing News Headlines

Toto, I Don’t Think We’re In Kansas Anymore!
    By Ken Greene, Leasing News Advisor Emeritus  
New Hires/Promotions in the Leasing Business
    and Related Industries
Leasing and Finance Industry Help Wanted
    Spring into a New Career.  WE'RE HIRING!
Top Ten Leasing News Read by Readers
    April 17 to April 21
What Tom McCurnin Learned from 40 Years
     in Banking and Leasing  - Sixth and final part
Commercial Finance and Leasing Associations
    Information including contacts
CAN Capital Reaches Impressive Milestone,
  Providing Access to Over $8 Billion
    in Working Capital to U.S. Businesses
Shepherd/Australian Mix
    Austin, Texas Adopt a Dog
NVLA 2023 Annual Conference
  October 11-13, 2023  Austin, Texas
    Early Bird Registration Available
News Briefs ---
First Republic Earnings Report to
    Shed Light on Depth of Bank Crisis
Car Dealer Markups Helped Drive
    Inflation, Study Finds
How Teslas and other major EVs
    perform on a California road trip
Canada Lands Volkswagen Battery Plant
    With Billions in Subsidies
The Crypto Detectives Are Cleaning Up
    tracking the flow of funds has become a big business

You May Have Missed ---
The age at which people give up
     on homeownership, and more!

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

Sports Briefs
   California News
    "Gimme that Wine"
 This Day in History
   Daily Puzzle
     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, but from 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.


Toto, I Don’t Think We’re In Kansas Anymore
by Ken Greene, Leasing News Advisor Emeritus

On February 13, 2023, the Kansas Senate became the latest legislative body to introduce a bill to pull the proverbial curtain away from the wizards of ours, the financial industry.Mind you, this is only a bill, so it will undoubtedly go to committee(s) and a few other layers of legislative review before it even begins to make sense, but this is a breakdown of the bill as it stands.
Kansas Senate Bill No. 245:

Let’s start with the easy stuff.

Exemptions include:

  • Depository institutions
  • Subsidiaries or service companies owned or controlled by depository institutions and regulated by federal banking institutions (hello California, are you paying attention?)
  • Lenders regulated under the Federal Farm Credit Act.
  • Loans secured by real property.
  • Leases: Note this does not specify whether the lease must be an operating lease. I’m guessing the answer to that question is a resounding “yup”.
  • A purchase money obligation incurred as all or part of the price of the collateral, or for value given to enable the business to acquire rights in or the use of such collateral. [Query whether this does not cover so many three-party (lender, vendor, borrower/lessee) loan and lease transactions. There are a few other states with this exception. It is difficult to believe that this means what it seems to say, as it would swallow up a large part of the commercial finance industry. More on that another time]
  • Certain motor vehicle dealers or rental companies where the loan or open-end credit plan is less than $50k.
  • Providers who consummate no more than 5 commercial financing products in the state in a 12-month period.

   What you need to disclose:

  • Total amount of funds provided;
  • Total amount disbursed if less that total amount of funds;
  • Total amount to be paid to provider;
  • Total dollar cost of commercial financing product
  • Manner, frequency and amount or estimated amount of payments; and
  • Prepayment costs.

   What you don’t need to disclose or do:

  • No need to disclose APR (do I hear a huge sigh of relief?)
  • No need to disclose interest rates. (another?)
  • No specific format as in California. No rows, columns, font requirements, etc.
  • No need to keep the disclosures to one page.
  • No need for signatures. You just need to send the disclosures before you consummate the transaction..

But brokers must register. It’s not all peaches and cream in Kansas.  Although there is no need for lenders to register or get licensed, brokers must register with the commissioner. However, it is much easier than California. To register:

  • Pay a $100 registration fee ($50 renewal fee each year).
  • Disclose whether any officer, director or manager has been convicted of a felony involving fraud, dishonesty or money laundering.
  • Designate an agent for service of process.
  • Get a $10,000 surety bond.

     Violations of the new law (if passed) are $500 per violation, not to exceed $20,000. Violations do not affect the enforceability of the underlying agreement. And, there is no private right of action for violations. Only the attorney general can enforce compliance.

         The Senate bill is certainly a rough draft. It will no doubt be tweaked and, if approved, enhanced by voluminous, explanatory regulations. For now, click you heels together and repeat after me “There’s no place like California….there’s no place like California.”

Ken Greene
Law Office of Kenneth Charles Greene
5743 Corsa Avenue Suite 208
Westlake Village, California 91362
Tel: 818.575.9095
Fax: 805.435.7464



New Hires/Promotions in the Leasing Business
and Related Industries

Meagan Atwell was hired as Senior Sales Coordinator, Sonoma Capital Corporation, Calgary, Alberta, T2T 3V6 Canada. She is located in Winnipeg, Manitoba, Canada. Previously, she was Account Specialist, March, 2015 - April, 2023).

Zane Burgess was hired as Business Development Officer,  Pathward, Dallas and Fort Worth Area.  Previously, he was Senior Vice President, Auxilior Capital; Senior Vice President, American Bank Equipment Finance (March, 2022 - January, 2023)[ Senior Vice President, Director of Equipment Finance and Leasing, Century Bank (June, 2019 - March, 2022); Vice President, Equipment Finance Specialist, Bancorp South Equipment Finance (September, 2018 - June, 2019); Senior Vice President, CBI Equipment Finance, Inc. (October, 2017 - September, 2019).  He began his career at BOK Financial Equipment Finance, Inc. starting May, 2007, as Vice President, promoted President, February, 2008.       

Fran Miles was hire as Director of Business Development, Trio Capital, Mount Laurel, New Jersey. He is located in Cherry Hill, New Jersey. Previously, he was Regional Account Manager, Marlin Capital Solutions,  October, 2021 - April, 2023). He joined TD Equipment Finance, March, 2011, Vice President, promoted November, 2012, Vice President, Product Manager, November, 2012; VP/Founder, Latitude Equipment Liaising, Inc. (September, 2007 - March, 2011); He joined Marlin Business Services Corp. February, 1998, Senior Account Executive, promoted September, 2004, Regional Manager. He began his career at Advanta Business Services Credit Operations (1989 - 1990), promoted Credit Analyst (1990 - 1994), promoted Account Executive (1994 - 1998).

Matt Ross, CLFP, was hired as Executive Vice President, Head of Sales, SLR Equipment, Wilton, Connecticut. He is located in Napa, California. Previously, he was Senior Vice President, Head of Direct Sales at Mitsubishi HC Capital (U.S.A.) (February, 2020 - April, 2023); Senior Vice President, Business Development, CHG - Meridian (November, 2018 - February, 2020); General Manger and Senior Vice President of Sales, Summitt Funding Group, Inc. (April, 2017 - February, 2020). Full Bio:

Jared Train was hired as Account Executive, SunLeaf, Lake Forest, California. He is located in Rancho Santa Margarita, California. Previusluy, he was Business Development Officer, Business and Commercial Banking, Wells Fargo (November, 2021 - April, 2023); Vice President of Sales, Partner Capital Group (September, 2020 - October, 2021). He joined Balboa Capital, May, 2015, Account Executive I, promoted September, 2015, Account Executive II, promoted May, 2016, Account Manager, promoted June, 2018, Sales Manager.


Leasing and Finance Industry Help Wanted
Highly Trained Operation Staff/Work from Home
Excellent Compensation/Marketing Support


Top Ten Leasing News Read by Readers
April 17 to April 21

(1) Ascentium, Balboa $11.5 Million Dispute
By Christopher Menkin

(2)  New Hires/Promotions in the Leasing Business
and Related Industries

(3) New Hires/Promotions in the Leasing Business
and Related Industries

(4) If They Throw You to the Wolves

(5) A State-by-State Analysis of License Requirements
for Lenders and Brokers - Update

(6) New Hires/Promotions in the Leasing Business
and Related Industries

(7) Just about everyone can get money
from Facebook class settlement

(8) Financing Cannabis Funding Sources
Many Work with Third Party Originators

(9) Remember to Always Ask for Referrals
Sales Makes it Happen by Scott Wheeler, CLFP

(10)  American Association of Commercial Finance Brokers
2022 Membership Count and by Category


What Tom McCurnin Learned from 40 Years
in Banking and Leasing  - Sixth and final part

Before Tom retired, he wrote 13 California Department of Business Oversight cases where the broker or lessor were fined for not being licensed, several of which were from out of state. (1) They were highly read.

In wrapping up, he also wrote advice/memoirs. As editor, I chose the sequence, saving what I thought was the best advice for last.
- Kit Menkin, editor

Part 6
Understand the Regulations - Appoint a Compliance Officer

I don’t want to dive into politics, but since the election of Donald Trump, the present administration has abandoned federal regulations for financial institutions. At first blush, this sounded like a great idea, but there were unintended consequences. The abject failure of the Consumer Financial Protection Bureau (CFPB) to regulate the explosion in finance companies has caused two states (California and New York) to undertake their own regulation of the financial services industry.  California has a comprehensive licensing statute with interest rate disclosure, to be further developed this year by the California Department of Business Oversight. New Jersey to follow. New York may have interest rate disclosure by 2020. 

The California Department of Business Oversight (DBO) has enacted licensing requirements and interest rate disclosure.  It is aggressively policing its requirements as a direct result of the federal government backing out of the space. With licensing, there are a number of other regulations which must be understood by licensees. 

▪ Appoint a Compliance Officer. Most financial institutions have appointed a person to be in charge of regulatory compliance. It is this person’s job to make sure that the company complies with all regulations. Of course, this person should consult appropriate lawyers who know regulations and should attend conferences on the subject. 

▪ Timely File Annual Reports In California, these reports are due in March. If you’ve moved or not received your reminder card, you still have to renew your license. There may be significant fines for letting the license expire. 

▪ Deals Done Without a License Will Subject You To Fines. If your company has done California loans without a license, or while the license was expired, expect to be fined. The fine can be as large as $2,500, but is usually significantly less. Nevertheless doing a couple hundred deals will probably warrant a five figure fine. 

▪ Understand the Regulations. Along with your license, the DBO has enacted about 20 pages of regulations.  They are not difficult to read and understand. Somebody at your company should read them and report back to management. The current trip wires for the DBO are paying commissions to unlicensed brokers or if you are a broker, receiving commissions while not being licensed. 

▪ Understand the Regulations of Other States. Most good leasing attorneys can conduct a 50 state survey of licensing requirements. Some states have no lending license requirements, except for small dollar, less than $10,000 commercial loans. Other states have that threshold at $5,000. Your compliance officer should know all the requirements for loans and leases made by your company in the states you operate. 

Part One
Good Business Practices Matters

Part Two
Understand Your Debtor - Embrace Settlement    

Part Three
Picking an Attorney - Risk Management

Part Four
Collection of Payment Stream

Part Five
Lease Documentation: Make it Clear

  1. Leasing Cases by Tom McCurnin


Commercial Finance and Leasing Associations
Information including contacts

American Association of Commercial Finance Brokers (AACFB)

The American Bankers Association (ABA)

American Financial Services Association

Association for Govermental Leasing & Finance 

Canadian Finance & Leasing Association

Certified Leasing and Finance Professional Foundation

The Electronic Payments Associations 

Equipment Leasing and Finance Association

Equipment Leasing and Finance Foundation

Franchise Brokers Association

Independent Community Banks of America

Institute of International Container Lessors

Information Technology Resellers Associations


National Equipment Finance Association

National Vehicle Leasing Association

Secured Finance Network

Truck Renting and Leasing Association


(Updates please email:


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

CAN Capital Reaches Impressive Milestone,
Providing Access to Over $8 Billion
in Working Capital to U.S. Businesses

CAN Capital, Inc., an innovator in alternative small business finance, announced today that it recently reached a significant milestone – providing access to over $8 billion in working capital to U.S. Small Businesses, loans originated by WebBank. For 25 years, CAN Capital’s technology, data-driven models, experienced team, and customer-focused delivery have enabled the company to become a leader in alternative finance servicing small businesses.

CAN Capital’s milestone reflects the success of its mission to unlock capital for even more small businesses. The company facilitated over 208,000 funding contracts, enabling more than 85,000 merchants to access the working capital they need to take their businesses to the next level.

Ed Siciliano, CAN Capital’s CEO, says, “Everyone at CAN is excited about this milestone; it speaks to the value that we feel we have brought to the SMB market for decades. Having said that, we are constantly working to improve how we service our customers and partners with the benefit of having outstanding employees.”

CAN Capital, Inc., established in 1998, is the pioneer in alternative small business finance. As a technology-powered financial services provider, CAN Capital uses innovative and proprietary risk models combined with daily performance data to evaluate business performance and facilitate access to Capital for entrepreneurs in a fast and efficient way. CAN Capital, Inc. makes Capital available to businesses through business loans made by WebBank and makes equipment financing available through equipment loans and leases offered by various providers of such products. ©2023 CAN Capital, Inc. All rights reserved.

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


Shepherd/Australian Mix
Austin, Texas Adopt a Dog

Harry Potter
74 lbs.
6 years, 7 months
Location: Teac Building 4/5
Adoption Fee: $25.00

Wanting a bit of magic in your life? Meet Harry Potter, a fetch extraordinaire who's looking for his new home!

He's very smart and brought us a lot of joy," says Harry Potter's previous owner.

- When you're ready to hit the Quidditch pitch, bring Harry along! He loves to fetch and run around, making him a promising seeker.
- Though he's used to riding in flying cars, Harry makes a great companion for any street-level car rides you may have!
- Harry's got a few spells under his belt, too: he knows sit, stay, and down, plus he's house-trained.

Come meet Harry today so he can charm his way into your heart!

Find out More:

Austin Pets Alive
156 West Cesar Chavez
Austin, TX 78703


NVLA 2023 Annual Conference
October 11-13, 2023  Austin, Texas
Early Bird Registration Available

Information and Early Registration



News Briefs---

First Republic Earnings Report to
    Shed Light on Depth of Bank Crisis

Car Dealer Markups Helped Drive
    Inflation, Study Finds

How Teslas and other major EVs
    perform on a California road trip

Canada Lands Volkswagen Battery Plant
    With Billions in Subsidies

The Crypto Detectives Are Cleaning Up
    tracking the flow of funds has become a big business


You May Have Missed---

The age at which people give up
on homeownership, and more!


Sports Briefs---

Warriors survive Stephen Curry blunder to tie series with Kings

The NFL Is Struggling to Walk the Ethical High Wire of Sports Betting


California News Briefs---

S.F. is struggling. Sacramento is booming. So why are both of their downtowns flailing?


Gimme that Wine


Gloria Ferrer vineyards a Sonoma County pioneer
     in using AI to monitor crops

The 15 Best Wines In 2023 So Far

Archaeologists uncover elaborate ancient
winery among Roman ruins

Oregon State researchers make breakthrough in
   understanding the chemistry of wildfire smoke in wine


This Day in American History


This Day in History

     1704 – The Boston News-Letter was established, becoming the first successful newspaper in the colonies.
    1766 - Robert Bailey Thomas (d. 1846), founder and editor of “The Farmer's Almanac” (first issue for 1793) was born at Grafton, MA.
    1800 - Congress approved an act providing "for the purchase of such books as may be necessary for the use of Congress ... and for fitting up a suitable apartment for containing them." President James Madison approved the bill that appropriated $5000 for that purpose. Thus began one of the world's greatest libraries: Library of Congress.
    1836 - Birthday of West Point Graduate, Lieutenant George N. Bascom (d. 1862) , Owingsville, KY.  He was assigned to search out Apache chief Cochise and is believed to be responsible for an 1861 raid on an Arizona ranch. He arrested Cochise at Apache Pass, but the chief escaped and declared war, launching a reign of terror known as the Apache Wars. Bascom died the year following his Apache adventure when he became a casualty of the Civil War battle at Fort Craig, Valverde, NM.
    1847 - At the conclusion of the Mexican War, the Mormon Battalion of the Army of the West established Fort Moore overseeing the pueblo of Los Angeles. The fort was named in honor of their captain who had perished in the Battle of San Pascual.
   1862 - Union Captain David Farragut leads a flotilla past two Confederate forts on the Mississippi River south of New Orleans. Moving at 2:00 a.m., Farragut lost one ship but successfully ran past the strongholds. He scattered some Confederate ships and sailed to New Orleans.  On May 1, he captured the city without having to fire one shot. In July, he was promoted to Rear Admiral.
    1873 - Free lunches for the poor and sick were offered by the New York Diet Kitchen Association, who opened at 410 East 23d Street, New York City. Beef, tea, soup, milk, cooked rice, eggs and oatmeal were served. The first president was Mrs. A.H. Gibbons.
    1885 – Annie Oakley was hired by Nate Salsbury to be a part of “Buffalo Bill’s Wild West.”
    1886 - The first African-American Catholic priest and who was assigned to work in the United Sates was Reverend Augustus Tolton. He was ordained at the College of Propaganda, Rome, Italy, and opened a mission in Quincy, IL, in the diocese of Springfield, IL.
    1888 – Eastman Kodak was founded in Rochester, NY.
    1895 – Joshua Slocum, the first person to sail single-handedly around the world, departed Boston aboard the sloop "Spray."
    1897 – The first White House reporter was appointed:  William Price of the Washington Star.
    1899 - Two women and one son lived to tell the story of being picked up by a tornado and carried more than a fourth of a mile, flying far above the church steeples, before being gently set down again. The young boy and one of the ladies said they had the pleasure of flying alongside a horse. The horse "kicked and struggled" as it flew high above and was set down unharmed about a mile away.
    1901 - The American League made its debut as a major league with a schedule of four games. Three were rained out, but the Chicago White Stockings beat the Cleveland Blues, 8-2, to get the season under way. 14,000 saw the game played at the Chicago Cricket Club.  There were eight charter teams in 1901 and the next year the original Milwaukee Brewers moved to St. Louis to become the Browns.  All eight original franchises remain in the American League, although only four remain in the original cities (Detroit, Chicago, Boston, and Cleveland). The eight original teams and their successors:

  • Baltimore Orioles went bankrupt and became defunct after 1902 season, were sold, moved in 1903 to New York, became the New York Highlanders who became the New York Yankees in 1913.
  • Boston Americans became the Red Sox in 1908.
  • Chicago White Stockings became the White Sox in 1903.
  • Cleveland Blues became the Indians in 1915.
  • Detroit Tigers
  • Milwaukee Brewers became the St. Louis Browns in 1902, the Baltimore Orioles in 1954.
  • Philadelphia Athletics became the Kansas City Athletics in 1955, the Oakland Athletics in 1968.
  • Washington Senators became the Minnesota Twins in 1961

Note:  the current Milwaukee Brewers were founded in 1969 as the Seattle Pilots, an expansion team in the American League. After only one season, the Pilots relocated to Milwaukee, becoming known as the Brewers and playing their home games at Milwaukee County Stadium which was the home of the Milwaukee Braves until they relocated to Atlanta in 1966.  The Braves had moved from Boston in 1954.  In 1998, the Brewers joined the National League.
    1902 - Professional baseball gets its start in Durham, North Carolina as the Tobacconists (renamed the Bulls 11 years later) played an exhibition game against Trinity College (now Duke University). The Bulls, except for 1971-80, when minor league baseball didn't exist in the city, continue to
play in Durham, now as the AAA affiliate of the Tampa Bay Rays, in the International League.
    1905 - Birthday of Robert Penn Warren (d. 1989) at Guthrie, KY. American poet, novelist, essayist and critic. America's first official poet laureate, 1986-88, Warren was awarded the Pulitzer Prize for his novel “All the King's Men,” as well as for his poetry in 1958 and 1979.
    1905 – The Washington Senators executed a triple play while defeating the New York Highlanders, 4-3.
    1907 - Hersheypark, founded by Milton Hershey for the exclusive use of his employees, opened. 
    1908 - Severe thunderstorms spawned eighteen tornadoes over across the Central Gulf Coast States claiming the lives of 310 persons. The state of Mississippi was hardest hit. A tornado near Hattiesburg, MS killed 143 persons and caused more than half a million dollars’ damage. Four violent tornadoes accounted for 279 of the 310 deaths. The deadliest of the four tornadoes swelled to a width of 2.5 miles as it passed near Amite, LA. The tornado also leveled most of Purvis, MS.
    1908 – Mr. & Mrs. Jacob Murdock became the first to travel across the US by car.  They left LA in a Packard and arrived in NYC in 32 days, 5 hours, 25 minutes.
    1912 - First Keystone Kops film, titled "Hoffmeyer's Legacy.”
    1913 - The Woolworth Building in New York City became the tallest structure in the world, with the exception of the Eiffel Tower in Paris. It formally opened at 7:30pm when President Woodrow Wilson at the White House, Washington, DC, pressed a telegraph key that rang a bell in the engine room and dining hall and lit the electric lights on the 55 floors. The architect was Cass Gilbert. It would not be until 1931 that the 1,250 Empire State Building would open and overtake the Woolworth Building as the world’s tallest.
    1917 – Congress passed the Liberty Loan Act, authorizing the Treasury to issue a public subscription for $2 billion in bonds for the war
    1919 - League of Women Voters was established by Carrie Chapman Catt during the last meeting of the National American Woman Suffrage Association, approximately six months before the Nineteenth Amendment gave women the right to vote. Catt was also the founder and at the time the President of the International Alliance of Women. The League of Women Voters began as a "mighty political experiment" aimed to help newly enfranchised women exercise their responsibilities as voters. Its official formation was symbolically timed to coincide with the 50th anniversary of women's voting rights, equal to that of men, established for the first in the world in the territory of Wyoming in 1869.
    1923 - President Warren G. Harding witnesses the first shutout ever thrown at Yankee Stadium as Babe Ruth homers in a 4-0 victory over the Senators.
    1926 - Great Chicago jazz impresario Joe Sega born Philadelphia, PA.
    1928 - Tenor saxophone player Johnny Griffin (d. 2008) born Chicago, IL.
    1928 - Herbert Grove Dorsey of the U.S. Coast and Geodetic Survey received a patent for the fathometer, which measures the depth of water. The device measured the depth by means of a series of electrical sounds and light signals.
    1934 – Actress Shirley MacLaine was born Shirley MacLean Beaty in Richmond, VA.   A six-time nominee, she won the Academy Award for Best Actress for “Terms of Endearment” (1983).  MacLaine received the 40th AFI Life Achievement Award in 2012, and received the Kennedy Center Honors for her lifetime contributions to American culture through the performing arts in 2013.
    1936 - Benny Goodman Trio cuts “China Boy,” Chicago, IL
    1936 - The first unscheduled event to be televised as it occurred was an outdoor scene of firemen answering at alarm in Camden, New Jersey. The pictures were taken by engineers from the RCA-Victor Company, Camden.
    1937 - Tenor sax player Joe Henderson (d. 2001) born Lima, OH.
    1940 - Birthday of mystery writer Sue Grafton (d. 2017), Louisville, KY.
    1942 - Singer and actress Barbra Streisand was born in Brooklyn, New York. One of the world's most popular performers, Streisand first came to attention as the star of the 1962 Broadway musical "I Can Get It For You Wholesale." Her stage success led to a recording contract with Columbia. Then in 1964 came the role with which she is most associated - the lead in "Funny Girl." Her recording of the ballad "People" from that show was her first big hit and firmly established her as a recording artist as well as a stage star. Streisand made her movie debut in the film version of "Funny Girl" in 1968. Her subsequent films have included "The Owl and the Pussycat," "The Way We Were" and "Yentl." The theme from "The Way We Were" was a million-seller for Barbra Streisand in 1973.
    1943 - Birthday of Richard M. Daley, former mayor of Chicago, in Chicago.  At 22 years (1989-2011), he was the longest-serving Chicago mayor, surpassing the tenure of his father, Richard J. Daley.
    1944 - United Negro College Fund was founded by Frederick D. Patterson, then president of what is now Tuskegee University, Mary McLeod Bethune, and others.  In 2005, the UNCF supported approximately 65,000 students at over 900 colleges and universities with approximately $113 million in grants and scholarships. About 60% of these students are the first in their families to attend college, and 62% have annual family incomes of less than $25,000. UNCF also administers over 450 named scholarships.
    1944 - SQUIRES, JOHN C., Medal of Honor
Rank and organization: Sergeant (then Private First Class), U.S. Army, Company A, 30th Infantry, 3d Infantry Division. Place and date: Near Padiglione, Italy, 23-24 April 1944. Entered service at: Louisville, Ky. Birth: Louisville, Ky. G.O. No.: 78, 2 October 1944. Citation: For conspicuous gallantry and intrepidity at risk of life above and beyond the call of duty. At the start of his company's attack on strongly held enemy positions in and around Spaccasassi Creek, near Padiglione, Italy, on the night of 23-24 April 1944, Pfc. Squires, platoon messenger, participating in his first offensive action, braved intense artillery, mortar, and antitank gun fire in order to investigate the effects of an antitank mine explosion on the leading platoon. Despite shells which burst close to him, Pfc. Squires made his way 50 yards forward to the advance element, noted the situation, reconnoitered a new route of advance and informed his platoon leader of the casualties sustained and the alternate route. Acting without orders, he rounded up stragglers, organized a group of lost men into a squad and led them forward. When the platoon reached Spaccasassi Creek and established an outpost, Pfc. Squires, knowing that almost all of the noncommissioned officers were casualties, placed 8 men in position of his own volition, disregarding enemy machinegun, machine-pistol, and grenade fire which covered the creek draw. When his platoon had been reduced to 14 men, he brought up reinforcements twice. On each trip he went through barbed wire and across an enemy minefield, under intense artillery and mortar fire. Three times in the early morning the outpost was counterattacked. Each time Pfc. Squires ignored withering enemy automatic fire and grenades which struck all around him, and fired hundreds of rounds of rifle, Browning automatic rifle, and captured German Spandau machinegun ammunition at the enemy, inflicting numerous casualties and materially aiding in repulsing the attacks. Following these fights, he moved 50 yards to the south end of the outpost and engaged 21 German soldiers in individual machinegun duels at point-blank range, forcing all 21 enemy to surrender and capturing 13 more Spandau guns. Learning the function of this weapon by questioning a German officer prisoner, he placed the captured guns in position and instructed other members of his platoon in their operation. The next night when the Germans attacked the outpost again he killed 3 and wounded more Germans with captured potato-masher grenades and fire from his Spandau gun. Pfc. Squires was killed in a subsequent action.
    1945 - Creedence Clearwater Revival, drummer Doug Clifford was born in Palo Alto, CA. "Proud Mary," a single from their second album, made Creedence into a superstar band in 1969. Their blending of rhythm-and-blues with Cajun and other southern music forms resulted in more than a dozen hits during the next three years. The band broke up in 1972 when leader John Fogerty left for a solo career.
    1945 – The second Commissioner of Major League Baseball was appointed by the owners.  A. B. “Happy” Chandler resigned his Senate seat from Kentucky to succeed the late Kenesaw Mountain Landis, baseball’s first commissioner who was appointed by the owners following the Black Sox Scandal in 1920.  His most significant action as commissioner was the approval of Jackie Robinson’s contract with the Brooklyn Dodgers, effectively integrating Major League Baseball. He also established the first pension fund for Major League players, earning him the title "the players' commissioner." Baseball owners were upset with Chandler's governance and did not renew his contract in 1951 as a result.
    1945 – Delegates from 45 countries gathered in San Francisco to begin the planning of the United Nations.
    1949 - Dick Powell starred in "Richard Diamond, Private Detective" on NBC radio. The show stayed on the air for four years. Later, it would have a three-year run on TV starring David Janssen in the title role.
    1950 - The first African-American basketball player in the NBA, Charles Henry Cooper, was drafted by the Boston Celtics. He played for the team on November 1, 1950, in Fort Wayne, IN.
    1951 - WILSON, HAROLD E., Medal of Honor
Rank and organization: Technical Sergeant, U.S. Marine Corps Reserve, Company G, 3d Battalion, 1st Marines, 1st Marine Division (Rein.). Place and date: Korea, 23-24 April 1951. Entered service at: Birmingham, Ala. Born: S December 1921, Birmingham, Ala. Citation: For gallantry and intrepidity at the risk of his life above and beyond the call of duty while serving as platoon sergeant of a rifle platoon attached to Company G, in action against enemy aggressor forces on the night of 23-24 April 1951. When the company outpost was overrun by the enemy while his platoon, firing from hastily constructed foxholes, was engaged in resisting the brunt of a fierce mortar, machine gun, grenade, and small-arms attack launched by hostile forces from high ground under cover of darkness, T/Sgt. Wilson braved intense fire to assist the survivors back into the line and to direct the treatment of casualties. Although twice wounded by gunfire, in the right arm and the left leg, he refused medical aid for himself and continued to move about among his men, shouting words of encouragement. After receiving further wounds in the head and shoulder as the attack increased in intensity, he again insisted upon remaining with his unit. Unable to use either arm to fire, and with mounting casualties among our forces, he resupplied his men with rifles and ammunition taken from the wounded. Personally reporting to his company commander on several occasions, he requested and received additional assistance when the enemy attack became even more fierce and, after placing the reinforcements in strategic positions in the line, directed effective fire until blown off his feet by the bursting of a hostile mortar round in his face. Dazed and suffering from concussion, he still refused medical aid and, despite weakness from loss of blood, moved from foxhole to foxhole, directing fire, resupplying ammunition, rendering first aid, and encouraging his men. By his heroic actions in the face of almost certain death, when the unit's ability to hold the disadvantageous position was doubtful, he instilled confidence in his troops, inspiring them to rally repeatedly and turn back the furious assaults. At dawn, after the final attack had been repulsed, he personally accounted for each man in his platoon before walking unassisted l/2 mile to the aid station where he submitted to treatment. His outstanding courage, initiative, and skilled leadership in the face of overwhelming odds were contributing factors in the success of his company's mission and reflect the highest credit upon T/Sgt. Wilson and the U.S. Naval Service
    1952 - Raymond Burr made his TV acting debut on the "Gruen Guild Playhouse" in an episode titled, "The Tiger." Not long after this start, Burr would be seen in the hugely popular "Perry Mason" and much later in "Ironside."
    1953 – Sir Winston Churchill was knighted by Queen Elizabeth II.
    1954 - Keeping an eye on the new trends, an article in this week's Billboard is entitled "Teenagers Demand Music With A Beat - Spur Rhythm And Blues."  Recalling “Rate a Record” on American Bandstand, the common reply was, “I give it a 98.  It’s got a good beat and it’s easy to dance to!”
    1954 – LA Rams QB in Super Bowl XIV, Vince Ferragamo, was born in Torrance, CA.
    1957 - 16-year-old Ricky Nelson releases his first record, "Teenager's Romance" with his cover of Fats Domino's "I'm Walkin'" on the flip side. The disc sold nearly 60,000 copies within three days and eventually went over a million. The hit, though, was "I'm Walkin'."  The white fusion with black R&B was about to happen.  Later in his career just prior to his death, Nelson teamed with Fats in rock ‘n’ roll revival concerts.
    1957 - The Palo Alto superintendent of schools announced the appointment of the first African-American principal on the peninsula. The new principal, Willis A. Williams, will head Palo Alto's Addison Elementary School.
    1958 – Dion and The Belmonts released “I Wonder Why,” becoming the group's first national pop chart hit.  It was released as Laurie Records' first single, number 3013.
    1959 - James Brown made his debut at the Apollo Theatre in New York.
    1959 - "Your Hit Parade," the Saturday night pop music show which had been broadcast regularly on radio and then on TV since 1935, went off the air.  The final Top 5:  Elvis Presley, "I Need Your Love Tonight" (#5), Brook Benton, "It's Just A Matter Of Time" (#4), Ricky Nelson, "Never Be Anyone Else But You" (#3), Dodie Stevens, "Pink Shoe Laces" (#2), and the Fleetwoods at #1 with "Come Softly To Me."
    1959 - Mack Charles Parker was lynched in Montgomery, Alabama. He was accused of raping a pregnant white woman in Pearl River County, MS.  Three days before he was to stand trial, he was kidnapped from his jail cell in the Courthouse by a mob, beaten and shot. His body was found in the Pearl River 10 days later. Following an investigation by the FBI, the men who killed him were released as neither the prosecutor nor the judge accepted the findings. Despite confessions, nobody was indicted for the killing. Historian Howard Smead called the killing the "last classic lynching in America."  Other than the victim’s identification of Parker as her assailant, later discredited as a possible cover-up of her infidelity, there was no evidence linking Parker to the crime.  The book "Blood Justice" covers this event in American history and lays the platform for the beginnings of the Civil Rights Movement in this area.

    1959 – The Drifters released "There Goes My Baby."  The song reached number two on the Hot 100 and number one on the Billboard R&B chart and on Cash Box for two weeks.
    1961 - Del Shannon's "Runaway" hit #1 on the Billboard Hot 100, enabling him to finally quit his job as a carpet salesman.
    1961 – President Kennedy accepted responsibility for the Bay of Pigs fiasco.  The Cuban Revolution of 1952-1959 had forced President Batista, a US ally, into exile. He was replaced by the Communist movement led by Castro, which severed the country's formerly strong links with the US after expropriating the assets of US corporations and developing links with the Soviet Union, with whom, at the time, the United States was engaged in the Cold War.  President Eisenhower, concerned at the direction Castro's government was taking, in March 1960, allocated $13.1 million to the CIA to plan Castro's overthrow. The CIA proceeded to organize the operation with the aid of various Cuban counter-revolutionary forces, training them in Mexico. Following his election in 1960, President John Kennedy was informed of the invasion plan and gave his consent.  On April 16, the main invasion landed at a beach named Playa Giron in the Bay of Pigs, initially overwhelming a local revolutionary militia. Castro decided to take personal control of the Cuban Army's counter-offensive. On April 20, the invaders finally surrendered, with the majority of troops being publicly interrogated and put into Cuban prisons.  The failed invasion strengthened the position of Castro's dictatorship and strengthened ties with the USSR. This led eventually to the Cuban Missile Crisis of 1962.
    1962 - Top Hits
“Good Luck Charm” - Elvis Presley
“Mashed Potato Time” - Dee Dee Sharp
“Young World” - Rick Nelson
“Charlie's Shoes” - Billy Wal
    1962 - The first coast-to-coast telecast by satellite was made by the Massachusetts Institute of Technology's Lincoln Laboratory field station at Camp Parks, Ca.  It transmitted airwaves to the two-year-old orbiting balloon Echo I, which bounced them back to earth. They were received at Millstone Hill, Westford, MA.  The pictures were of poor quality but were recognizable.
    1962 - Mets manager Casey Stengel is fined $500 dollars by Commissioner Ford Frick for appearing in a beer ad.
    1962 - Dodger Sandy Koufax ties a Major League record striking out 18 batters in a nine inning game as the Dodgers rout the Cubs, 10-2 at Wrigley Field.  It was the second time in his career that he fanned that many.  Since, there have been four pitchers who have struck out 20 in a nine-inning game:  Kerry Wood, Roger Clemens, Randy Johnson (twice), and Max Scherzer.
    1963 - 18-year-old Brenda Lee married Ronnie Shacklett, one year her senior, in Nashville, six months after meeting him at a Jackie Wilson concert. The two are still together.
    1963 - Guard Bob Cousy of the Boston Celtics ended a 23-year career in the NBA by scoring 18 points against the Los Angeles Lakers and leading the Celtics to a fifth consecutive championship. Cousy made a brief comeback in the 1969-70 season but played only seven games. He went on to coach Boston College to a record 117 wins and 38 losses.
    1965 - "Game of Love," by Wayne Fontana and The Mindbenders, made it to the top spot on the Billboard music chart. "Game of Love" stayed for a short visit of one week, before Peter Noone and Herman's Hermits took over the top spot with "Mrs. Brown You've Got a Lovely Daughter."  By the end of the year, Fontana would leave the band and would go on to some solo success in the UK, while the rest of the group would enjoy a #2 hit in the US the following year with "A Groovy Kind Of Love."
    1965 – Casey Stengel managed his 3000th game as a Major League manager.  His career record is 1,905–1,842, and he won 7 World Series.  He was a member of the 1922 World Series champion New York Giants as an outfielder, also hitting the first World Series homer at Yankee Stadium.
    1967 – Gen. William Westmoreland stated that the enemy had "gained support in the United States that gives him hope that he can win politically that which he cannot win militarily."
    1968 - Louis Armstrong was at #1 in the UK with the single "What A Wonderful World." At 66 years of age, it made him the oldest act ever to score a UK #1. The song stalled at #32 in the US, but Louis is also the oldest person to reach #1 on the Billboard chart, a feat he accomplished in 1964 with "Hello Dolly."
    1969 - Chicago bluesman Muddy Waters recorded a live album called "Fathers and Sons." Appearing with him was a host of white blues singers, including Paul Butterfield and Mike Bloomfield. Waters had a tremendous influence on many British rock 'n' rollers, including the Rolling Stones, whose name is taken from one of Waters' songs.
    1969 - The singing family, The Cowsills, received a gold record for their hit single, "Hair," from the Broadway show of the same name.
    1970 - Top Hits
“Let It Be” - The Beatles
“ABC” - The Jackson 5
“Spirit in the Sky” - Norman Greenbaum
“Is Anybody Goin' to San Antone” - Charley Pride
    1970 - Having been invited to a White House dinner by Tricia Nixon, daughter of the President, the Jefferson Airplane's Grace Slick brought radical Abbie Hoffman with her with a plan to secretly dose Tricia with LSD during the meal. Hoffman is turned away at the door by Secret Service agents, causing Slick to leave as well.
    1972 – Almost certainly a Hall of Famer, the Atlanta Braves’ 3B Chipper Jones was born in Deland, FL.  His entire career was with the Braves during which he compiled a .303 batting average with 468 HRs.  He was a member of the Bobby Cox Braves that won a record 14 consecutive NL East titles and the 1995 World Series.
    1974 – The NFL granted a franchise to the Tampa Bay Buccaneers.  Remember the creamsicle unis?
    1976 - Saturday Night Live producer Lorne Michaels appears on the show and offers the Beatles "a certified check for $3,000" to reunite & sing three songs. "You divide it up any way you want," he said, "If you want to give Ringo less, it's up to you."
    1976 - Wings' "At The Speed Of Sound" went to #1 on the US album chart. It was Paul McCartney's fifth #1 after he left The Beatles.
    1978 - Top Hits
“Night Fever” - Bee Gees
“If I Can't Have You” - Yvonne Elliman
“Can't Smile Without You” - Barry Manilow
“Every Time Two Fools Collide” - Kenny Rogers & Dottie West
    1979 - Governor George Busbee of Georgia issued a proclamation declaring Hoagy Carmichael's "Georgia On My Mind" the new official state song. Ray Charles sang his famous version at the ceremony.
    1980 - US military operation to save 52 hostages in Iran ends in disaster. The hostages are subsequently split up to deter another similar attempt. During the operation, three of the eight helicopters of the airborne operation failed. At the staging area inside Iran, the mission was canceled, but during the withdrawal, one of the remaining helicopters collided with one of the six C-130 transports, killing eight and injuring five.
    1981 - IBM's first personal computer was released. Although IBM was one of the pioneers in making mainframe and other large computers, this was the company's first foray into the desktop computer market. Eventually, more IBM-compatible computers were manufactured by IBM's competitors than by IBM itself. It was at this period that Bill Gates “spun off” a new operating system, he called Windows XP, the first non-Windows (DOS) based operating for “personal use.”
    1981 – Bill Shoemaker won his 8,000th race, 2000 more than any other jockey.
    1985 - There were a reported 832,602 millionaires in the United States on this day, according to researchers. The average millionaire was 57 years old. A majority (85 percent) held college degrees. 20 percent were retired and 70 percent were self-employed.  In the most recent census, the average household income with husband and wife is $51,751. Woman with no husband: $28,116. Man with no wife: $31,267. Foreign born: $38,929. Hispanic: $31,767. Black: 30,439. Asian and Pacific: $55,521
This source has 4 million names of American, Canadian and UK billionaires.
Here is history of wealth in American:
    1986 - Top Hits
“Kiss” - Prince & The Revolution
“Manic Monday” - Bangles
“Addicted to Love” - Robert Palmer
“Cajun Moon” - Ricky Skagg
    1989 - Twenty cities in the central U.S. reported record high temperatures for the date. Russell, KS was the hot spot in the nation with a reading of 101 degrees. Evening thunderstorms produced severe weather from Colorado to Wisconsin. Hail four and a half inches in diameter was reported at Sargeant, NE.
    1990 – Michael Milken pleads guilty to 6 felonies involving securities laws violations.
    1991 - Garth Brooks dominated the Academy of Country Music awards with a record six trophies. He was voted Entertainer of the Year and Top Male Vocalist, and also won for Best Single and Best Album. Brooks' "The Dance" also gave him Best Song and Best Video awards.
    1992 - The Cleveland Orchestra sued Michael Jackson for $7 million after discovering the singer used part of their recording of Beethoven's Ninth Symphony on his hit album “Dangerous.”
    1993 - Top Hits
“Informer” - Snow
“Freak Me” - Silk
“Nuthin But A "G" Thang” - Dr. Dre
“I Have Nothing” (From "The Bodyguard" - Whitney Houston
    1996 - Canadian Shania Twain won the top album trophy for "The Woman in Me" and was named Best New Female Singer at the annual Academy of Country Music Awards. "The Woman in Me" had earlier won the country album Grammy and Twain was the Best New Country Artist at the American Music Awards the previous January.
    1996 – Minnesota Twins-24, Detroit Tigers-11 in the highest scoring Major League game in 17 years.
    1998 - Dodger backstop Mike Piazza ties a Major League record, hitting his third grand slam of the month. The blast highlights a nine-run second inning which leads Los Angeles to a 12-4 victory over the visiting Cubs.
    1998 - Hitting a solo homer off the Giants' Orel Hershiser at 3Com Park, Geoff Jenkins becomes the first Brewer player ever to homer in his first Major League game. The rookie joins Chuck Tanner, who accomplished the feat in 1955 as a member of the Braves, as the only players in Milwaukee baseball history to homer in their first game.
    1998 - Top Hits
“Too Close” - Next
“All My Life” - K-Ci
“Let s Ride” - Montell Jordan Featuring Master P
“Frozen” - Madonna
“You’re Still The On” - Shania Twain
    2001 - Paul Orfalea (53), founder of Kinko's copy store chain, gave a $8.5 million donation to San Francisco City College to support child care.
    2004 – The US lifted economic sanctions imposed on Libya 18 years previously, as a reward for its cooperation in eliminating weapons of mass destruction.
    2005 - Cardinal Joseph Ratzinger was inaugurated as the 265th Pope of the Roman Catholic Church, taking the name Pope Benedict XVI.
    2007 - President George W. Bush was denied a luxury suite at the Imperial Hotel in Vienna when Mick Jagger, in town with the Stones on a tour, booked it first.
    2013 - Americans learned the FBI and CIA had previous intelligence from Russia warning U.S. intelligence agencies about Tamerlan Tsarnaev's extremist connections before the Boston Marathon bombings.
    2015 - Scientists discovered a huge magma reservoir under Yellowstone National Park that feeds the magma chamber heating the park's geothermal features.  Although no volcanic eruption is likely for thousands of years, such an event would dwarf all others to date.

NBA Champions
    1963 - Boston Celtics
    1967 - Philadelphia 76ers



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



How to Play



Alerts and Flags
Bank Beat
Brian Link Observations
Career Crossroads-Emily Fitzpatrick/RII
Charlie Chan sayings
Computer Tips and Social Media
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
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
Wine Reviews by Kevan Wilkinson

Ten Top Stories each week opened the most by readers
(click here)

“Complaints” Bulletin Board (click here)

Connect with Leasing News