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Leasing News is a web site that posts information, news, and
entertainment for the commercial bank, finance and leasing industry
kitmenkin@leasingnews.org
Monday, August 19, 2013
Today's Equipment Leasing Headlines
Broker-Lessor Jeff MacDonald Passes Away
Classified Ads---Collections
Story Credit Lessors
---Updated
Leasing 102 By Mr. Terry Winders, CLP
Short Term Leasing
“Not Doing Well in My Job Search”
Career Crossroad---By Emily Fitzpatrick/RII
Classified Ads---Help Wanted
The List—June & July, 2013
--- Mergers, Acquisitions & Changes
"The Good, the Bad and the Ugly"
U.S. Bank Links up with Square Wallet
Placard---Partnership
Leasing News Advisor
Rosanne Wilson, CLP, BPB
Top Stories August 12-August 16
(You May Have Missed One)
The 10 Websites Americans Spend the Most Time
by Samuel Weigley 247wallst.com
Leasing Attorneys
Coonhound
Beaverton, Oregon Adopt-a-Dog
News Briefs---
SEC says Anchor BanCorp settling fraud lawsuit
Anchor BanCorp: Associated Bank forced bankruptcy
Struggling Bank Seeks Return to Normal
Who is Janet Yellen?
Hiding in Plain Sight: Failure to Scrub Patient Data from Digital Copiers Returned to Leasing Company Results in $1.2 Million Health Insurance Portability and Accountability Act (HIPAA) Settlement
Fed Says It Will Collect $440 Million in Fees From Banks
Broker/Funder/Industry Lists |
Features (collection)
Top Ten Stories Chosen by Readers |
Top Stories last six months
www.leasingcomplaints.com (Be Careful of Doing Business)
www.evergreenleasingnews.org
You May have Missed---
SparkPeople--Live Healthier and Longer
Sports Briefs---
California Nuts Brief---
"Gimme that Wine"
This Day in American History
SuDoku
Daily Puzzle
GasBuddy
Weather, USA or specific area
Traffic Live----
######## surrounding the article denotes it is a “press release”
and was not written by Leasing News nor information verified, but from the source noted. When an article is signed by the writer, it is considered a “by line.” It reflects the opinion and research of the writer.
Please send to a colleague. Spread the news.
Also ask them to join
our mailing list or bookmark our site.
We are free
[headlines]
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Broker-Lessor Jeff MacDonald Passes Away
Well-known San Diego, California Broker-Lessor Jeff MacDonald, Mesa Leasing, passed away in his sleep. According to his longtime friend and attorney Ellen Stern, he recently had not been in very good health; "His passing in his sleep was a blessing," she said.
An obituary has not been posted. He leaves his long-time wife Dina, three daughters and several grandchildren. Ms. Stern said a memorial is in the planning stages for August 30th, Friday, "... as a purposeful celebration of his life and to allow all of those he touched with his warmth and wonderful sense of humor to come together in his honor."
According to Leasing News Evergreen list of companies who always notified lessees regarding the end of their lease, he started Mesa Leasing in 1999, incorporated, 2000, and last up-date had four employees, downsizing recently (due to the economy). Mesa Leasing was active in the small ticket leasing market in Arizona, California, Idaho, Oregon, Nevada, Utah, and Washington. Mesa Leasing is a member of the National Association of Equipment Leasing Brokers.
His Linkedin.com profile states Mr. MacDonald was a graduate of Brigham Young University, Idaho, 1973; 1985 received a BBA in computers from National University. He previously was a manager at Topa Thrift and Loan.
Leasing News will publish information on the Memorial for readers who may want to attend.
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Classified Ads---Collections
(These ads are “free” to those seeking employment
or looking to improve their position)
Long Grove, Illinois
Financial services professional with a proven track record of positively impacting corporate finances through effective management of cash flow, collections and financial assets. Strategic thinker capable of analyzing financial issues and processes in order to implement changes that improve efficiency and profit margins. Well-versed in all aspects of corporate financial affairs. roborgaard@aol.com | Resume
Free Posting for those seeking employment in Leasing:
http://www.leasingnews.org/Classified/Jwanted/Jwanted-post.htm
All “free” categories “job wanted” ads:
http://www.leasingnews.org/Classified/Jwanted/Jwanted.htm
 |
((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)
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Story Credit Lessors
---Up-Dated
These companies specialize in "C" and "D" credits, often new businesses, or businesses where the principal(s) have Beacon score around 600 or previous difficulties; meaning to become comfortable with the credit and financial situation you need to learn the "story" to make a positive decision, often requiring further security, shorter term, or additional guarantors. Many of these companies may also have programs for “A” and “B” rated companies, but their specialty is not being a “cookie cutter” and often require full financial statements and tax returns as well as a “story about the company, its history, goals, circumstances” to fully understand the full financial picture.
Also listed below the dollar amounts are companies that who are known for accepting "subprime leasing."
To qualify for this list, the company must be a funder (as qualified by Leasing News and on the “Funder List” and not a "Broker/Lessor" or "Super Broker/Lessor", along with an acceptable Better Business Bureau Rating and no history of complaints at Leasing News, as well as notifying lessees in advance when the lease will end and what the residual will be, specifically not automating extra lease payments, or insisting their discounter follow the same policy. We reserve the right to not list a company who does not meet these qualifications.
We encourage companies who are listed to contact us for any change or addition they would like to make. Adding further information as an "attachment" or clarification of what they have to offer would be helpful to readers is very much encouraged.
Story Credit Lessors
http://www.leasingnews.org/Story_Credit/Story_Credit.htm
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Leasing 102
By Mr. Terry Winders, CLP
Short Term Leasing
One market that always stands out in a poor economy is short term leasing. It may be viewed as an extension of “renting;” and perhaps this may also become more popular should new accounting rules, as presently proposed, become effective.
Short term leasing requires a strong understanding of equipment values and usually a good remarketing effort. Some lessors have aligned themselves with a vendor or remarketer that can take one to two year old equipment and get retail price for it. If the Lessor knows in advance how to sell off lease equipment or can be reasonably assured that it will net the wholesale value then a short term lease can lead to some interesting income.
The new accounting changes would seem to only allow off balance sheet treatment for very short terms and some strong customers are looking for terms of one year with renewal options. They seem to be willing to pay higher rent but it does create a residual risk to be assumed by the Lessor. In some cases to help the game along Lessor’s are changing the document from a lease agreement to a rental agreement. However, not to be confused with a two party lease strong disclaimers are required for equipment performance including a pass through of vendor’s warrantees.
There is the opportunities to release the off lease equipment from short term leases but once again the danger is the Article 2A requirement of a two party lease where the Lessor in a two party lease or rental may be subject to claims for equipment performance unless the document contains strong disclaimers and requires the lessee to acknowledge the equipment is being provided as is where is and the user is required to provide all maintenance and insurance over the term.
This is not a market I expect to see banks get involved in and also unless the leasing company is strongly financed they will be difficult to borrow money from to finance this type of activity. Independents and Captives will dominate and it looks like it will be a large market with the advent of the new accounting rules if they maintain their course as resented in the position papers.
I know that it would appear that this would only work on hard goods with a long life but it has worked in some soft markets when the Lessor is well connected with many users of the same equipment. So once again it appears there is another reason to focus on a few well-chosen markets. One last comment on the return! A lot of lessee’s renew the lease/rental and therefore if your rent is high enough perhaps an evergreen renewal after the first year would be successful.
The trick is to determine what reasonable value, or residual, to take on to determine the rent stream. Only renewal options are offered with No purchase options. Return condition requirements are specified and there should be restrictions on actual hours of use, or other definable use issues. If the actual use exceeds the allowable use, additional rent is required. Because of the short term nature of the lease, rates are not a consideration; all emphasis is on the rent payment.
When selecting the residual the Lessor needs to look at the life cycle of the equipment and determine from the vendor and the manufacturer when the next year’s model will be available and if there are any expected improvements or price changes expected. Then based on how long the equipment has been available its value becomes tied to its use and age. If you purchase it in the early stages of the model year its value may remain strong after the initial new depreciation is taken, whereas, if you buy it in the last few months prior to the new equipment being placed on the market, its loss in value will be much higher faster.
A leasing company needs to understand that on occasion the value of any equipment can change due to a many factors. The focus should be on the “bucket” at year end. When you sell for a gain, it goes into the bucket. When you sell at a loss, it comes out of the bucket. At year end is there anything left in the bucket? If the answer is yes, you had a good year. Way too many Lessor’s focused on a loss due to a bad residual assumption and forget the gains on their other assumptions. So much so that they do not ever want a loss, so they only take very conservative (too low) residual assumptions and it hurts business.
Mr. Terry Winders, CLP, has been a teacher, consultant, expert witness for the leasing industry for thirty-five years and can be reached at terrywinders11@yahoo.com or 502-649-0448
He invites your questions and queries.
Previous #102 Columns:
http://www.leasingnews.org/Conscious-Top%20Stories/Leasing_102/Index.htm
Mr. Terry Winders available as a consultant regarding assisting attorneys in resolving disputes or explaining procedures or reviewing documents as utilized in the finance and leasing industry. He is the author of several books, including DVD's, as well as weekly columnist to Leasing News. He also performs audits of leasing companies as an expert on documentation, and has acted as an expert witness on leasing for litigation in legal and tax disputes, including before the IRS. He also has taught the senior bank examiners, how to review a bank leasing department, for the Federal Reserve in Washington D.C. and has trained the examiners for the FDIC on how to prepare a lease portfolio for sale. 502.649.0448/terrywinders11@yahoo.com |
(This ad is a “trade” for the writing of this column. Opinions
contained in the column are those of Mr. Terry Winders, CLP)
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“Not Doing Well in My Job Search”
Career Crossroad---By Emily Fitzpatrick/RII
Question: I feel like I am failing in my new job search - Any advice or positive words you can provide?
Answer: Well, I am sure you are just frustrated that you are not getting the results you were expecting. It is still a tough market out there for those seeking a new role. Additionally:
1. Companies are looking for a perfect fit to ensure the Candidate will meet their expectations and requirements
2. Base salaries have decreased since the market took a turn; though the industry appears to be on the rise - be realistic in your compensation goals
Before making another submittal, please make sure your resume is stellar. Just this past week I reviewed resumes from top-notch candidates that were TERRIBLE. There were resumes FULL of spelling, grammar and layout errors - Astonishing! I have covered the importance of a resume numerous times, review previous articles. If you need specific advice, feel free to contact us.
Make sure you are avoiding the following characteristics that will almost guarantee failure:
Procrastinating:
Potential opportunities will escape
Wasting Time or not Using your Time Efficiently:
Focus on goal-oriented tasks
Being Negative:
Will rob you of energy to move enthusiastically
toward your objective and goals
Resisting:
Do not be resistant to ideas and changes
(e.g. update that resume!)
Being Unorganized:
Can lead to loss of control of your goals
Please note: We are looking for an AVP of Credit for one of our bank-owned leasing Clients in the Chicago-land area (North of Chicago), please contact us ASAP-- if interested or know of someone who has at least 4 years of Small Ticket Leasing Credit Expertise.
Emily Fitzpatrick
Sr. Recruiter
Recruiters International, Inc.
Phone: 954-885-9241
Cell: 954-612-0567
emily@riirecruit.com
Invite me to Connect on LinkedIn
www.linkedin.com/pub/emily-fitzpatrick/4/671/76
Also follow us on Twitter #RIIINFO
Career Crossroads Previous Columns
http://www.leasingnews.org/Conscious-Top%20Stories/crossroad.html
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Leasing Industry Help Wanted
Los Angeles, California www.maximcc.com |
 |
|
1 year experience preferred, salary/benefits |
| www.cflbc.com
Commercial Finance & Leasing Bank of Cardiff, Inc, a finance lender licensed pursuant to the California Finance Lenders Law, license #603G469 |
For information on placing a help wanted ad, please click here:
http://www.leasingnews.org/Classified/Hwanted/Hwanted-post.htm
Please see our Job Wanted section for possible new employees.
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The List—June & July 2013
--- Mergers, Acquisitions & Changes
"The Good, the Bad and the Ugly"
June 2013
CapitalSource, Chevy Chase, MD (06/13) Healthcare Finance No Longer in Business, Readers Respond Why
http://leasingnews.org/archives/Jun2013/6_11.htm#readers
Financial Pacific, Federal Way, WA (06/13) Sold to Umpqua Holdings.
http://leasingnews.org/archives/Jun2013/6_06.htm#flexpoint
CapitalOne Commercial Leasing, McLean, Virginia
(06/12) Raids SunTrust for employees.
http://leasingnews.org/archives/Jun2013/6_13.htm#more
July, 2013
Integrity Financial Groups, Murray, Utah (07/12) New complaint
http://leasingnews.org/archives/Jul2012/7_09.htm#bbc
Gets arrested again: http://leasingnews.org/archives/Jul2013/7_02.htm#hawkins
Cole Taylor Equipment Finance, Towson, Maryland (07/12) Edward A. Dahlka, Jr., leads new bank finance division. http://leasingnews.org/archives/Jul2012/7_16.htm#cole_taylor
Balboa Capital, Irvine, California (07/12) $20,543.22 Bulletin Board Complaint, Alleged “Bait and Switch”
http://leasingnews.org/archives/Jul2013/7_19.htm#bbc
Ability Capital Solutions, Long Beach, California (07/13)
$21,049 Bulletin Board Complaint http://leasingnews.org/archives/Jul2013/7_24.htm#bbc
CapitalSource, Chevy Chase, MD (07/13) merges with PacWest.
http://leasingnews.org/archives/Jul2013/7_24.htm#merger
Alphabetical Order
http://www.leasingnews.org/list_alpha_new.htm
Chronological Order
http://www.leasingnews.org/list_chron_new.htm
| Working Capital Loans $10,000-$250,000 | |
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U.S. Bank Links up with Square Wallet
Leasing News has been writing about the growing use of mobile payments using smart phones with Dwolla, GoBank, Mobile, and others, including ACH from their online bank. In July, Wells Fargo began their person-to-person payment program, “SurePay.” The latest is U.S. Bank adding the Square Wallet app to their customers via their iOS and Android smartphones. It links their U.S. Bank credit, debit, or prepaid account to the process.
"Customers can discover nearby businesses using Square wallet, and pay at the point of sale with their mobile device by simply saying their name," the announcement states." Square’s technology automatically manages the transaction from the customer’s U.S. Bank payment account to the merchant. Transactions are completed without the cashier ever having the customer’s account number and other sensitive data."
Square Wallet was founded in 2009, headquartered in San Francisco, California. It charges businesses either a flat $275 per month or no monthly fee but a 2.75% per swipe. The app tells you what stores, merchants, or companies accept Square Wallet payment.
While this relates primarily to retail, it is not a stretch to foresee this application for loan payments. Given the high incidence of PGs on so many small ticket leases, it may be a way to improve penetration as well.
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Leasing News Advisor
Rosanne Wilson
Rosanne Wilson, CLP, B.P.B.
A long-time friend and supporter of Leasing News, Rosanne Wilson, CLP, B.P.B., joined the Leasing News Advisory Board in 2010.
Rosanne is currently in her second term as president of the CLP Foundation and has served on the CLP Foundation's Board of Directors for 5 years.
Rosanne most recently completed 5 years serving on the Board of Directors of the National Association of Equipment Leasing Brokers (NAELB); one year as a Director and four years as Treasurer.
Rosanne has been a Certified Lease Professional for 15 years, serving the last two years as President of the CLP Foundation. She is also a “Best Practices Broker”, a Master Member of the NAELB, and an accredited member of the Better Business Bureau for 20 years. She currently serves as the Chair of the NAELB Membership Committee, as well as serving on the Screening Committee and the Funder Task Force. In addition, she is a 23 year member of the Beaverton Chamber of Commerce and is listed in the Who’s Who of Business Leaders. Rosanne enjoys mentoring brokers who are new to the industry as she believes in helping others become successful in this business and instill in them a strong sense of ethics.
Rosanne has been active in the equipment leasing industry since 1985. Rosanne founded 1st Independent leasing, Inc. in 1990 and is currently celebrating her 23nd year in business. Previously, she spent 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.
Rosanne Wilson, CLP
1st Independent Leasing, Inc.
3800 SW Cedar Hills Blvd., Suite 165
Beaverton, OR 97005
(800) 926-0851 or Fax: (503) 626-1631
rosanne@1stindependentleasing.com
"It's the Lease We Can Do"
www.1stindependentleasing.com
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Top Stories August 12-August 16
(You May Have Missed One)
Here are the top stories opened by readers:
(1) Apology to Ability Capital Solution
And Mr. Brian Acosta, CLP
http://leasingnews.org/archives/Aug2013/8_16.htm#apology
(2) Congress Considering Eliminating "Interest" Write-Off
---What You Can Do!
http://leasingnews.org/archives/Aug2013/8_13.htm#congress
(3) Leasing 102 by Mr. Terry Winders, CLP
Qualifying Lessee’s Credit
http://leasingnews.org/archives/Aug2013/8_13.htm#qualifying
(4) Sales Makes it Happen by Steve Chriest
Talent Crisis Looms in the Future
http://leasingnews.org/archives/Aug2013/8_16.htm#talent
(5) AOL's Armstrong fires worker during conference call
http://www.nypost.com/p/news/business/conference_gal
(Tie) (6) Documentation Fees, Semantics and a War Story
by Michael J. Witt, Esq.
http://leasingnews.org/archives/Aug2013/8_13.htm#fees
(Tie) (6) Maybe It's Time to Become a 'Consultant'?
Career Crossroad---By Emily Fitzpatrick/RII
http://leasingnews.org/archives/Aug2013/8_13.htm#crossroad
(8) More and More Leases are being paid by ACH
by Christopher Menkin
http://leasingnews.org/archives/Aug2013/8_14.htm#ach
(9) New Hires--Promotions
http://leasingnews.org/archives/Aug2013/8_16.htm#hires
(10) The Financial Waves Take Down another Small Bank
Without Access to Capital They Sink
http://leasingnews.org/archives/Aug2013/8_13.htm#bank_beat
(11) Top 10 ACH Providers by topcreditcardprocessors.com
http://leasingnews.org/archives/Aug2013/8_14.htm#top
John Kenny Receivables Management • Credit Investigations • Asset Searches • Skip-tracing • Third-party Commercial Collections john@jkrmdirect.com | ph 315-866-1167| www.jkrmdirect.com |
(Leasing News provides this ad as a trade for investigations
and background information provided by John Kenny)
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The 10 Websites Where Americans Spend the Most Time
by Samuel Weigley 247wallst.com
10.
ESPN
Pct. of all time spent online: 0.6%
Desktop visitors: 38.7 million
Mobile visitors: 34.6 million
ESPN has made a push into mobile during the past year. Between December 2011 and December 2012, mobile engagement based on unique visitors grew 59%, more than any other of the top 25 Web properties, except for Pandora'
9.
Craigslist
Pct. of all time spent online: 0.7% (tied for 8th highest)
Desktop visitors: n/a
Mobile visitors: n/a
Craigslist claims that more than 60 million people in the United States visit its sites each month, leading to 50 billion page views each month
8.
Tumblr
Pct. of all time spent online: 0.7% (tied for 8th highest)
Desktop visitors: n/a
Mobile visitors: n/a
Tumblr is not among the 25 largest Web properties in the United States, but those who go on the site spend a lot of time there. Consuming 5.7% of all time on social media, more time is spent on Tumblr than any other social media property, except for Facebook
7.
eBay
Pct. of all time spent online: 0.9%
Desktop visitors: 77.7 million
Mobile visitors: 39.5 million
EBay Inc. (NASDAQ: EBAY) has benefitted from the large growth in online retailing. In the fourth quarter of 2012, revenue in the marketplace division — the e-commerce segment of the company — grew 16% compared with the same quarter in 2012. EBay also owns PayPal, an online payment processor. The service generated $1.54 billion in revenue during the fourth quarter of 2012, an increase of 24% compared to the prior year. PayPal processed roughly 700 million payments during the quarter and had 123 million users.
6.
Amazon
Pct. of all time spent online: 1.0%
Desktop visitors: 128.2 million
Mobile visitors: 80.5 million
Similar to eBay, Amazon.com Inc. (NASDAQ: AMZN) has been a huge beneficiary of the increase in online retail purchases. During the most recent holiday season, sales conducted by a third-party on the website were up 40% from the same time in 2011. Amazon also is directly challenging Hulu and Netflix Inc. (NASDAQ: NFLX) with its Prime Instant Video service.
5.
AOL
Pct. of all time spent online: 2.5%
Desktop visitors: 117.6 million
Mobile visitors: 62.4 million
4.
Microsoft
Pct. of all time spent online: 4.9%
Desktop visitors: 170.9 million
Mobile visitors: 55.2 million
3.
Yahoo!
Pct. of all time spent online: 7.0%
Desktop visitors: 185.8 million
Mobile visitors: 92.2 million
2.
Google
Pct. of all time spent online: 10.0%
Desktop visitors: 193.8 million
Mobile visitors: 113.7 million
1.
Facebook.com
Pct. of all time spent online: 10.8%
Desktop visitors: 150.3 million
Mobile visitors: 97.7 million
Responsible for 10.8% of all time on the Internet, more time is spent on Facebook than any other site. Of all the time spent on the different social networking sites, 83% is spent on Facebook. Facebook Inc. (NASDAQ: FB) also has made very significant inroads in mobile, with time on Facebook’s smartphone applications making up 23% of all time on apps.
Full Story:
http://247wallst.com/special-report/2013/03/04/the-10-websites-where-americans-spend-the-most-time/
|
Los Angeles, California www.maximcc.com |
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Leasing Attorneys
| Birmingham, Alabama The lawyers of Marks & Weinberg, P.C. have over 30 years experience in dealing with virtually every type of equipment financing and are recognized throughout the industry for prompt, practical solutions and exemplary service. They offer cost-conscious, effective lease enforcement and good counsel. Email: Barry@leaselawyer.com Website: www.leaselawyers.com |
California, National: city: Riverside Ellen Stern - get results, reasonable pricing; numerous industry contacts, nearly 30 yrs exp.in SoCal, 20 yrs equip.: CFL license specialist, documentation, work-outs, litigated collections, recoveries; deal-maker. Email: leaselaw@msn.com |
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Connecticut, Southern New England: EVANS, FELDMAN & BOYER, LLC Collections, litigation, documentation, portfolio sales and financing, bankruptcy. We represent many of the national and local leasing companies doing business in this state. Past chairman EAEL legal committee. Competitive rates. email: rcfeldman@snet.net |
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| Los Angeles, Southern CA Seasoned attorney representing secured creditors in auto finance and truck/equipment lease industry. Bankruptcy and State Court litigation. Vincent V. Frounjian (818) 990-0605 or email: vvf@pacbell.net. |
Encino, California: Statewide “ELFA” |
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Los Angeles, Statewide: CA. "ELFA" Aggressive creditors rights law firm specializing in equipment leasing handling collection matters on a contingency, fixed fee or hourly cbasis. email:RGarwacki@prodigy.net |
Los Angeles -statewide: CA "ELFA" |
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 Los Angeles- Statewide, CA Lawyer specializing in banking and leasing issues statewide. Documents and litigation. Tom McCurnin, Barton, Klugman & Oetting. Voice: (213) 617-6129 Cell:(213) 268-8291 Email: tmccurnin@bkolaw.com |
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Long Beach, CA |
Long Beach CA. |
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Illinois |
Law Firm - Service, Dallas, TX. "ELFA" Mayer regularly practices in leasing, secured financing, project development and finance and corporate finance. email: dmayer@pattonboggs.com Website: www.pattonboggs.com |
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| National: The OMEGA Network Group-nationwide legal representation of small and mid ticket equipment lessors-flat fee bankruptcy & replevin, contingent collection, billable litigation (704-969-3280) tong_92@yahoo.com |
National: Coston & Rademacher: Business attorneys serving the lease-finance industry since 1980. Transactional, documentation, corporate/finance, workouts, litigation, bankruptcy, portfolio management. Chicago-based national practice. Jim Coston, CLP (Members: ELFA, NEFA). |
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| St. Louis County , MO. - statewide: Schultz & Associates LLP., collections, negotiation, and litigation. Also register and pursue recovery on foreign judgments. Contingency and reasonable hourly rates. Ronald J. Eisenberg, Esq. (636) 537-4645 x108 reisenberg@sl-lawyers.com www.sl-lawyers.com |
NJ,De,Pa: Specializing in leased equipment/secured transactions. Collections, replevins/workouts reasonable rates. Sergio Scuteri/Capehart & Scratchard, PAsscuteri@capehart.com / www.capehart.com | ||
| New York and New Jersey Peretore & Peretore, P.C. documentation, portfolio purchase & sale, replevin, workouts, litigation, collection, bankruptcy. Aggressive. Over 25 years experience.www.peretore.com |
Thousand Oaks, California: |
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Coonhound
Beaverton, Oregon Adopt-a-Dog
Ellie Mae
Id#18899082
Spayed
Up-to-date with routine shots
House trained
Primary colors: Black, Yellow, Tan, Blond or Fawn
Coat length: Short
"Ellie Mae is a super sweet girl. Everyone who meets her, loves her! She loves people and kids and could be hugged and petted and hang out all day long. She even likes other dogs and cats. She also does well with livestock. Ellie is crate trained and loves long walks but she always needs to be on a leash because she is 100% hound and just cannot help but follow her nose. Ellie Mae's one quirk is that she obsessively tries to get to small critters (rats, moles, etc.) For this reason, she is going to do best as an urban dog who visits a securely fenced dog park for off-leash exercise. Ellie loves to go for walks, but she's also a couch potato and love to lounge around in the house. She's just a dog who's full of love and affection.
"Ellie Mae was found wandering stray in a rural area and it appeared as if she had been nursing puppies as recently as that day. The area was searched but no puppies were ever found. We cringe when we think that poor Ellie Mae may have been taken from her puppies and dumped by her owner....sigh. We spayed her, wormed her and treated her for fleas. Like all of our dogs, she has also been vaccinated and microchipped. We think Ellie Mae is 6.5 to 7 years old.
"This is a really great girl and she deserves to have a home and family who love and spoil her for the rest of her life! Adoption Process: We are not first come first served. Indigo Rescue focuses on finding good matches between dogs and families to ensure lifelong adoptions. We deliver all dogs to their new homes.
"All of our dogs are in foster homes. We have adoption events at the Beaverton PetSmart every other Saturday where you can meet many of our dogs at once.
Click Here for our Calendar of Events:
http://www.petfinder.com/calendar/index.cgi?
Or, if you're interested in a particular dog, you can send an e-mail via the e-mail link. with answers to the questions below. If the dog seems compatible with your situation we'll set up a time for you to meet the dog.
Indigo Rescue, Beaverton, OR
503-626-7222
heather@indigorescue.org
Adopt-a-Pet by Leasing Co. State/City
http://www.leasingnews.org/Conscious-Top%20Stories/Adopt_Pet.htm
Adopt a Pet
http://www.adoptapet.com/
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1 year experience preferred, salary/benefits |
| www.cflbc.com
Commercial Finance & Leasing Bank of Cardiff, Inc, a finance lender licensed pursuant to the California Finance Lenders Law, license #603G469 |
News Briefs----
SEC says Anchor BanCorp settling fraud lawsuit
http://www.idahostatesman.com/2013/08/16/2709727/sec-says-anchor-bancorp-settling.html
Anchor BanCorp: Associated Bank forced bankruptcy
http://www.miamiherald.com/2013/08/14/3562053/anchor-bancorp-associated-bank.html
Struggling Bank Seeks Return to Normal
http://www3.cfo.com/article/2013/8/bankruptcy_anchor-bancorp-financial-crisis-tarp-us-treasury-recapitalization-cfo-fraud
Who is Janet Yellen?
http://www.washingtonpost.com/blogs/wonkblog/wp/2013/08/16/janet-yellen-called-the-housing-bust-and-has-been-mostly-right-on-jobs-does-she-have-what-it-takes-to-lead-the-fed/
Hiding in Plain Sight: Failure to Scrub Patient Data from Digital Copiers Returned to Leasing Company Results in $1.2 Million Health Insurance Portability and Accountability Act (HIPAA) Settlement
http://www.natlawreview.com/article/hiding-plain-sight-failure-to-scrub-patient-data-digital-copiers-returned-to-leasing
Fed Says It Will Collect $440 Million in Fees From Banks
http://www.bloomberg.com/news/2013-08-16/fed-to-collect-440-million-from-70-banks-for-regulatory-costs.html
[headlines]
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--You May Have Missed It
Ferrari sells for record $27.5 million
http://money.cnn.com/2013/08/18/autos/pebble-beach-ferrari/index.html?hpt=hp_t2
Laraki Epitome 1,100-hp supercar revealed
http://autos.yahoo.com/photos/laraki-epitome-1-100-hp-supercar-slideshow/laraki-epitome-supercar-photo-1376859512025.html
Supercar drives at Pebble Beach
http://autos.yahoo.com/photos/supercar-drives-at-pebble-beach-1376857202-slideshow/
http://www.2luxury2.com/2013-pebble-beach-tour-delegance-the-elegance-of-the-automobile-in-motion/
Saw many of them, and they also drove down streets in Carmel-by-Sea and they were very loud---but exciting! An older Austin-Martin was the prettiest and loudest to me, quadruple exhausts! And some old Packards, who's drivers and passengers looked older than the actual car: A classic.
[headlines]
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SparkPeople--Live Healthier and Longer
Important Lessons Pain Can Teach You--Slideshow
http://www.sparkpeople.com/resource/slideshow.asp?show=103
[headlines]
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Baseball Poem
The Batter |
|
From the book |
|
by Paul B. Janeczko, Carole Katchen (Illustrator) |
He approaches the plate,
ponderous,
swinging smoothly
in slow motion
knowing his choice is simple:
swing or not.
As he paws
the back line of the batter's box,
matching concentration and stare
with the pitcher,
he knows
indecision
or
hesitation
makes failure likely.
Pitcher rocks.
Batter waits.
Then, in the time it takes
a happy heart to beat,
decides.
[headlines]
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Sports Briefs----
Cowboys most valuable NFL team; only one team lost money
http://www.forbes.com/sites/mikeozanian/2013/08/14/the-most-valuable-nfl-teams/
Pine Valley named world’s greatest golf course for 30th straight year
http://www.golf.com/tour-and-news/pine-valley-named-world%E2%80%99s-greatest-golf-course-30th-straight-year?xid=ob_news
MLB to expand instant replay in 2014
http://www.sacbee.com/2013/08/15/5653551/mlb-to-expand-instant-replay-in.html
Former 49er Alex Smith is ready to start over with Chiefs
http://www.sacbee.com/2013/08/15/5652136/former-49er-alex-smith-is-ready.html
http://www.thepostgame.com/blog/training-day/201308/hill-san-francisco-49ers-dan-brown-roger-craig-jerry-rice-nfl-running
[headlines]
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California Nuts Briefs---
SF Bay Area home sales hit seven year high
http://www.mercurynews.com/business/ci_23869987/bay-area-home-sales-hit-seven-year-high
Study gives glimpse of San Diego biz climate
http://www.utsandiego.com/news/2013/aug/13/chamber-commerce-survey-economy-jobs/
Officials urge temporary fix to open troubled Bay Bridge span Labor Day weekend
http://blogs.sacbee.com/capitolalertlatest/2013/08/officials-urge-temporary-fix-to-open-troubled-bay-bridge-span-labor-day-wee.html
[headlines]
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“Gimme that Wine”
http://www.youtube.com/watch?v=EJnQoi8DSE8
In Burgundy, Winemakers Who Don’t Own Land
http://www.nytimes.com/2013/08/21/dining/in-burgundy-winemakers-who-dont-own-land.html?ref=dining
Cracking the Case On Counterfeit Wines
http://www.wine-searcher.com/m/2013/08/cracking-the-code-of-counterfeit-wine
Central Coast Pinot Noir crop looks big
http://westernfarmpress.com/grapes/central-coast-pinot-noir-crop-looks-big
How to Make it in the wine business
http://www.marketwatch.com/story/how-to-invest-in-a-winery-2013-08-13
TOP 10 ALTERNATIVE USES FOR CORK
http://www.thedrinksbusiness.com/2013/08/top- -10-alternative-uses-for-cork/
Free Mobile Wine Program
http://leasingnews.org/archives/Feb2010/2_26.htm#mobile
Wine Prices by vintage
http://www.winezap.com
http://www.wine-searcher.com/
US/International Wine Events
http://www.localwineevents.com/
Winery Atlas
http://www.carterhouse.com/atlas/\
Leasing News Wine & Spirits Page
http://two.leasingnews.org/Recommendations/wnensprts.htm
[headlines]
----------------------------------------------------------------
This Day in History
http://darter.ocps.net/classroom/revolution/benn.htm
http://www.matmice.com/home/hockey
http://www.virtualvermont.com/history/benbattle.html
http://www.revolutionaryday.com/usroute7/bennington/
1780-In the Battle of Camden, S.C., American forces under Gen. Horatio Gates were defeated by the British under Gen. Charles Cornwallis. Baron Johann de Kalb, a Prussian officer who was commissioned a general in the Continental Army, was mortally wounded in the battle. Gates suffered disastrous losses. Nearly 1,000 Americans killed and another 1,000 captured by the British. British losses about 325. One of America's worst defeats in the war. General Washington replaced gates with Nathaniel Greene, who is credited with “brilliance” in turning the war situation around as outlined on his birthday, August 7.
http://www.multied.com/Bio/RevoltBIOS/KalbJohann.html
http://home.sprintmail.com/~robtmarj/thecollinsfamily.html
http://www.co.dekalb.ga.us/history.htm
1812 -- A mass meeting in NYC denounces the War of 1812.
1812-Brigadier General William Hull surrendered Detroit to British forces under General Isaac Brock, making no attempt to defend the city though the attacking force was smaller than his own. Hull was court-martialed two years later for yielding without resistance.
http://www.factmonster.com/ce6/people/A0824487.html
http://www.cr.nps.gov/museum/exhibits/revwar/image_gal/indeimg/hullgen.html
1813- Sarah Porter - U.S. educator. SP created Miss Porter's school in Farmington, CN, one of the outstanding school for girls in the nation. Raised in an exceptional family that produced a president of Yale College allowed her to study the classics to an extended degree, this brilliant woman started her successful school in 1843.Initially she kept the school small teaching Latin, French, German, chemistry, natural science, mathematics, history, geography, and music in addition to the basic subjects. She gradually added staff and accommodations but took pains to maintain the schools standards which were unique in the nation for their excellence. , She also demanded strong characters. She was also way ahead of her times by insisting on daily exercise for the girls.
1829- Taking the country by storm, Robert Hung of Boston, MA, brought the Siamese twins Chang and Eng into the United States. They were born on April 15, 1811, in Bangesau, Siam, of a Chinese father and a -Siamese mother. They were joined at the waist by a cartilaginous band about four inches long and eight inches in circumference. They grew to be about 5 feet 2 inches in height, and, since they faced in the same direction, could walk, run, and swim. They were exhibited throughout the United States and later in Europe. They were married in April, 1843 to two sisters, Sarah and Adelaide Yates. Chang had 10 children and Eng nine children. They died within three hours of each other on January 17,1874. The name “Siamese twins,” meaning twins whose bodies are connected in any of a variety of ways, is derived from them.
http://engandchang.twinstuff.com/
http://bullseyedesigns.com/sideshow/people/twins/chang_eng.htm
1861- Several newspapers in the Union states were brought to court for alleged pro-Confederate sympathies, including the Brooklyn Eagle, the New York Journal of Commerce, and the New York Daily News. On August 19, an editor for the Esses County Democrat in Haverhill, Massachusetts was tarred and feathered for his Southern leanings expressed in the newspaper.
1881--WILLIAMS, MOSES Wartime Medal
Rank and organization: First Sergeant, Company I, 9th U.S. Cavalry. Place and date: At foothills of the Cuchillo Negro Mountains, N. Mex., 16 August 1881. Entered service at. ------. Birth: Carrollton, La. Date of issue: 12 November 1896. Citation: Rallied a detachment, skillfully conducted a running fight of 3 or 4 hours, and by his coolness, bravery, and unflinching devotion to duty in standing by his commanding officer in an exposed position under a heavy fire from a large party of Indians saved the lives of at least 3 of his comrades.
1915-Birthday of singer Al Hibbler, Little Rock, AR
1909 - A dry spell began in San Bernardino County of southern California that lasted until the 6th of May in 1912, a stretch of 994 days! Another dry spell, lasting 767 days, then began in October of 1912. http://www.arjazz.org/artists/hof/1995/95_al_hibbler.html
1922- Louis Lomax, author, born.http://www.alan-lomax.com/about_bio.html
1916 - Altapass NC was deluged with 22.22 inches of rain in 24 hours to establish a state record
1926-Birthday of pianist Mal Waldron, New York City
http://www.enjarecords.com/mal-waldron.htm
http://www.jazzinbelgium.org/guest/waldron.htm
1929—Pianist Bill Evans birthday
http://www.downbeat.com/artists/window.asp?action=new&aid=50&aname=Bill+Evans
http://members.aol.com/gsonjazz/evans/be-home.htm
http://www.billevans.org/BBS/index.asp
1931-Birthday of Eydie Gorme - U.S. pop vocalist. EG was a popular nightclub and recording star. She often appeared with her husband Steve Lawrence, but she maintained a much better separate recording career that kept her near the top of the charts for a long, long time. The duo had a TV show (1959).
1936 -- Jesse Owens leaves Berlin Olympics with four gold medals. 1938 - Benny Goodman and his band, and a quartet, brought jazz to Carnegie Hall in New York City. When asked how long an intermission he wanted, Benny said, "I don't know. How much does Toscanini get?"
1942 - For Columbia Records, Kay Kyser and the band recorded "A Zoot Suit", about the problems associated with wearing the garish, fashion.
1942 - A TWA transport carrying film actress Carole Lombard, her mother, and 20 other passengers, crashed near Las Vegas, Nevada. All aboard were killed.
1944 - General Dwight Eisenhower was appointed Commander-in-Chief of the Allied Expeditionary Force and asked to plan the launch of a second front in Western Europe.
1950-Nat “King” Cole with the Stan Ken Band, records “ Orange Colored Sky, “ Los Angeles.
1950-Birthday of drummer Alvin Queen, New York City.
1951—Top Hits
Too Young - Nat King Cole
Come on-a My House - Rosemary Clooney
My Truly, Truly Fair - Guy Mitchell
Hey, Good Lookin' - Hank Williams
1952-SHUCK, WILLIAM E., JR.
Rank and organization: Staff Sergeant, U.S. Marine Corps, Company G, 3d Battalion, 7th Marines, 1st Marine Division (Rein.). Place and date: Korea, 3 July 1952. Entered service at: Cumberland, Md. Born. 16 August 1926, Cumberland, Md. Citation: For conspicuous gallantry and intrepidity at the risk of his life above and beyond the call of duty while serving as a squad leader of Company G, in action against enemy aggressor forces. When his platoon was subjected to a devastating barrage of enemy small-arms, grenade, artillery, and mortar fire during an assault against strongly fortified hill positions well forward of the main line of resistance, S/Sgt. Shuck, although painfully wounded, refused medical attention and continued to lead his machine gun squad in the attack. Unhesitatingly assuming command of a rifle squad when the leader became a casualty, he skillfully organized the 2 squads into an attacking force and led 2 more daring assaults upon the hostile positions. Wounded a second time, he steadfastly refused evacuation and remained in the foremost position under heavy fire until assured that all dead and wounded were evacuated. Mortally wounded by an enemy sniper bullet while voluntarily assisting in the removal of the last casualty, S/Sgt. Shuck, by his fortitude and great personal valor in the face of overwhelming odds, served to inspire all who observed him. His unyielding courage throughout reflects the highest credit upon himself and the U.S. Naval Service. He gallantly gave his life for his country.
1953-Birthday of Kathie Lee Gifford - U.S. TV personality who starred for many years in the hit daytime show Live with Regis & Kathie Lee. She retired from the show in 2000 to concentrate on her acting and singing.
1953-Birthday of singer James “JT” Taylor, South Carolina.
1958-Birthday of Madonna Louis Veronica Ciccone, known popularly as “Madonna, “ born Bay City, MI.
1952-Baritone saxophonist Gerry Mulligan, with Chet Baker, cuts first piano less quarter, Los Angeles (Pacific Jazz is born!!!)
1957--- Buddy Holly and The Crickets, still being billed by the band name only, begin a six-night engagement at Harlem's famed Apollo Theater, the first white rock act to play the venue. Although crowds boo a little at first -- many, including the venue, assumed they'd be seeing R&B vocal group The Crickets -- by the third night of the engagement Buddy's energy and songs have won them over.
1957-- Ricky Nelson releases "Be-Bop Baby"
1957-- The Everly Brothers release "Wake Up Little Susie," which becomes their number one big hit, although banned by many radio stations as it is about a girl who falls asleep at a party and wakes
up the next day.
1959—Top Hits
A Big Hunk o' Love - Elvis Presley
My Heart is an Open Book - Carl Dobkins, Jr.
There Goes My Baby - The Drifters
Waterloo - Stonewall Jackson
1961 - Mickey Mantle signed the contract that made him the American League's highest paid baseball player. "The Mick" played the 1961 season for $75,000. In the National League, Willie Mays, made more money than any other baseball player with a contract for $85,000.
1962-Two years and four days after joining, Pete Best was fired from The Beatles by manager Brian Epstein, who was told by record producer George Martin that he wanted to use a more experienced session drummer on the band's recordings. . Incredibly, Epstein then asks Best to fulfill his commitment and play the group's show that night in Cheshire's Riverpark Ballroom, but when he doesn't show, the group is ready with a replacement: Johnny Hutchinson of fellow Merseybeat group The Big Three. John, Paul and George had long admired the work of Rory Storm And The Hurricanes' drummer Ringo Starr, who jumped at the chance to join them Fans will react badly to the news, pummeling the group at their next few shows, sending petitions to local papers, and shouting "Pete Best forever, Ringo never!" at the Cavern. After his dismissal, Pete Best would never have any further communication with his former mates.
1962-The first single by Little Stevie Wonder, "I Call It Pretty Music" was released. Marvin Gaye played drums on the track that failed to gain much attention. Twelve year old Stevie would have his first hit a year later with "Fingertips Pt. 2".
1962-Peter, Paul and Mary released their first US Top 10 hit, "If I Had a Hammer".
1962- Detroit harmonica prodigy "Little" Stevie Wonder releases his first single, "(I Call It Pretty Music, But...) The Old People Call It the Blues," featuring another newcomer, Marvin Gaye, on drums. It fails to chart.
1964 - In New York City, "Hello Dolly!" starring Carol Channing opened at the St. James Theatre. A musical adaptation of Thornton Wilder's play, "The Matchmaker", the show, was called the "possible hit of the season" by critics. "Hello Dolly!" played for 2,844 performances, before returning to in the 1990s with, again star, Carol Channing.
1965 - Reportedly, the San Francisco Giants continued to pay Willie Mays $105,000 a year. In exchange, he gave them a .317 batting average, a slugging percentage of .645, and 52 home runs in return. In 1965, Willie took home the MVP award.
1967—Top Hits
Light My Fire - The Doors
All You Need is Love - The Beatles
Pleasant Valley Sunday - The Monkees
I'll Never Find Another You - Sonny James
1968-- The Jackson Five perform their first official live gig, opening for Diana Ross and the Supremes at the (Great Western) Forum in Los Angeles.
1969-The second day of three for The Woodstock Music and Art Fair on Max Yasgur's farm in Bethel, New York. Over 400,000 attend, most without tickets, which prompts officials to say the festival is open and free. Those up on stage include Jimi Hendrix, Santana, Sly and the Family Stone, the Who, the Grateful Dead, Joan Baez, Janis Joplin, Joe Cocker, Canned Heat, Crosby, Still Nash & Young and the Jefferson Airplane among others. Things that helped make Woodstock a unique event included, but were not limited to, rampant drug use, not enough food, and sanitation, three deaths, two births and four miscarriages. (1969)
1975—Top Hits
Jive Talkin' - Bee Gees
One of These Nights - Eagles
Someone Saved My Life Tonight - Elton John
Wasted Days and Wasted Nights - Freddy Fender
1976 - A&M Records released the album, "Frampton Comes Alive". The double LP soon reached the top spot of the album charts for a 17 week stay. Its first year out, it sold 19 million copies.
1977- TCB (Taking Care of Business), Elvis Presley leaves Earth, as he was pronounced dead at the Memphis Baptist Hospital at 3:30pm, Eastern time, at the age of 42. In the first “Men in Black,” we see him leave our planet. Here it is the anniversary of his death is an occasion for pilgrimages by admirers to Graceland, his home and gravesite at Memphis, Tennessee. (official site for “live” coverage and movies: http://www.elvis-presley.com). After an examination of the body, it is revealed that Presley's body contained butabarbital, codeine, morphine, pentobarbital, Placidyl, Quaalude, Valium and Valmid. It had been five years since the King had a US Top Ten hit with the number 2 song, "Burning Love". His last US number 1 was 1969's "Suspicious Minds". He left an estate valued at 4.9 million dollars, which by 1993 had grown to between 50 and 100 million.
1979--The biggest single of the summer is The Knack's "My Sharona," which goes gold. The success of the group is the gimmick of Beatle-esque posturing which the group treats as tongue-in-cheek. The Knack disbands less than two years later.
1983-Paul Simon and actress Carrie Fisher get married. They would divorce in 1985
1983—Top Hits
Every Breath You Take - The Police
Sweet Dreams (Are Made of This) - Eurythmics
She Works Hard for the Money - Donna Summer
He's a Heartache (Looking for a Place to Happen) - Janie Fricke
1984 - The U.S. Jaycees voted to admit women to full membership in the organization.
1984 - At the 11th annual American Music Awards, Michael Jackson received eight awards, including favorite pop and soul male vocalist, pop and soul album winner for "Thriller", pop and soul video winner for "Beat It" and best pop song for "Billie Jean".
1985-Madonna and actor Sean Penn get married in Malibu, as helicopters with photographers hovered overhead. They would divorce in 1989
1985 - Hugh Hefner took the staples out of "Playboy" magazine, ending its 30-year tradition of stapling centerfold models in the bellybutton. The decision made the centerfold more difficult to remove it.
1984-Los Angles federal jury acquits auto maker John Z DeLorean on cocaine charges.
http://www.dead-or-alive.org/dead.nsf/dnames-nf/DeLorean+John
http://www.dmcnews.com/biblio.html
http://babbtechnology.com/thecar/index.htm
1986- Madonna's "True Blue," album goes #1 for 5 weeks & her single "Papa Don't Preach," goes #1 for 2 weeks
1988- IBM introduces software for artificial intelligence.
1991—Top Hits
(Everything I Do) I Do It for You - Bryan Adams
P.A.S.S.I.O.N. - Rhythm Syndicate
Every Heartbeat - Amy Grant
She's in Love with the Boy - Trisha Yearwood
1999—Top Hits
Genie In A Bottle- Christina Aguilera
Bills, Bills, Bills- Destiny s Child
Tell Me It s Real- K-Ci
Summer Girls- LFO
2001-- After piloting the team 13 games above .500 in spite of numerous injuries to key players, manager Jimmy Williams is fired by the Red Sox. The ousted skipper is replaced by the club's well respected pitching coach, Joe Kerrigan.
2001- Barry Bonds' second home run of the game and 53rd of the season breaks the franchise record established by his godfather, Willie Mays. With his first homer, the left fielder eclipses the National League record for home runs by a left handed batter established in 1947 by another Giant, Johnny Mize.
2002 -after four days of delaying the decision, the executive board of the Major League Players' Association votes 57-0 to set an August 30 strike date. All eight previous negotiations since 1972 have resulted in work stoppages in the national pastime.
2003- The USPS unveils a new commemorative postage stamp of recently-deceased composer Henry Mancini, famous for the Pink Panther theme and several other film works.
2009- With his 3-for-4 performance in the Yankees' 10-3 loss in Seattle, Derek Jeter passes Luis Aparicio for most hits ever compiled by a major league shortstop. The New York infielder, collecting career hits #2,673 and #2,674 his first two at-bats, surpasses the Hall of Famer's total, who spent his 18-year career, ending in 1973, with the White Sox, Orioles, and Red Sox.
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SuDoku
The object is to insert the numbers in the boxes to satisfy only one condition: each row, column and 3x3 box must contain the digits 1 through 9 exactly once. What could be simpler?
http://leasingnews.org/Soduku/soduko-main.htm
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Daily Puzzle
How to play:
http://www.setgame.com/set/puzzle_frame.htm
Refresh for current date:
http://www.setgame.com/set/puzzle_frame.htm
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http://www.gasbuddy.com/
http://www.gasbuddy.com/GB_Map_Gas_Prices.aspx
http://www.gasbuddy.com/GB_Mobile_Instructions.aspx
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Weather
See USA map, click to specific area, no commercials
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Traffic Live---
Real Time Traffic Information
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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
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