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Leasing News is a web site that posts information, news, and
entertainment for the commercial bank, finance and leasing industry

Collector, Atlanta, GA

Experienced, calling 11-90 day delinquent customers, assisting Asset Re-marketer with delinquency reporting, weekly reporting to home office.

Sales, Chicago, Atlanta

Work out of main office and satellite. Heavy phone sales calling on both independent dealers and end users (cold/warm calling), marketing, weekly reporting to management. Outside territorial salespeople will also be considered.

Contact: Michael Testa 312-881-3133
Financing for Commercial Truck & Trailer, Exotic, High Line, Vintage & Classic Automobiles, Taxi, Livery & Paratransit

Wednesday, August 27, 2014

Today's Equipment Leasing Headlines

Napa Valley Open for Business
    Archives: August 27, 2004
Dash in waters of ABOT Refineries, Kuwait
   Classified Ads---Sales
Are Accurint Reports a Consumer Credit Report?
    Will This Change Their Use?
 By Tom McCurnin, Leasing News Legal Editor
ELFA Reports July Business Fell 13% from June
  But Historically this is Normal report Industry Leaders
Sales Make it Happen by Robert Teichman, CLP
     Sales Isn't Just for the Salesperson
  Leasing Industry Ads---Help Wanted
    Leasing Portals
  (Business to Business including Finance/Leasing)
California Governor Signs Bill Requiring "Kill Switch"
    Use a Password Generator
Chart: The Top 10 Apps in the States
  Mobile Apps by Unique Visitors
Leasing News Icon for Android Mobile Device
Banks with the highest Texas ratios in Q2'14
   SNL Financial Report
North Mill Equipment Finance SVP Publishes Book
  “The Attic and Other Stories:
  A Collection of Supernatural Tales”
   Poodle (Miniature)
Napa, California Adopt-a-Dog
   Classified ads—Back Office
News Briefs---
Boeing wins $8.8 billion BOC aviation order on Asian demand
 Mortgage delinquencies keep falling
  Compare Over 200 Credit Cards

Broker/Funder/Industry Lists | Features (writer's columns)
Top Ten Stories Chosen by Readers | Top Stories last six months (Be Careful of Doing Business)
Leasing News Icon for Android Mobile Device

  You May have Missed---
   SparkPeople--Live Healthier and Longer
    Sports Briefs---
      California Nuts Brief---
       "Gimme that Wine"    
          This Day in American History
           Daily Puzzle
               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 and ask them to subscribe to our news
editor or bookmark us ( as each news edition
appears on our web site.



Napa Valley Open for Business

Despite the aftershocks, Napa Valley, California, and the surrounding counties report that the overwhelming majority of hotels, restaurants, shops, and wineries are open for business.  Weather is great, harvest under way, tourism is up.  Despite media claims, please don’t change your plans.  Best to double-check, if you have reservations, but local San Francisco Bay Area media reports business is back, despite the earthquake aftershocks, normal for California. Local TV news reports all schools are open Wednesday.




Archives: August 27, 2004
Dash in waters of ABOT Refineries, Kuwait

My son Dash is in the first line, second from left, the one with mustache and tattoos.  Picture taken Tuesday, he writes, as in addition to his duties as an electrician this “team” boards vessels in the waters and inspects them for security purposes.




(Not posed, taken by a shipmate, 
leaving Norfolk, Virginia, his home port)
Chief Electrician, USS Laramie
By email, he is in the Mediterranean delivering fuel oil
and aviation fuel and other supplies to US Navy.
I am very proud of him.
 Kit Menkin


Classified Ads---Sales

(These ads are “free” to those seeking employment
or looking to improve their position)

Boston, Mass.
Accomplished Sales & Relationship Management Professional with business development experience in the financial services industry. Recognized by market leaders as industry expert in Professional Practice financing, as well as Residential Mortgage Lending. Keen insight and understanding of transaction process and financial requirements of customer. Proven record of exceeding sales goals.
Work Remotely
Business Development - Are you looking to enter/increase your Healthcare lending? Let me identify and qualify healthcare (all verticals) vendors, distributors, and end users who utilize leasing/financing as a tool to sell equipment for you. Many years experience - contact Mitchell Utz at or 
(215) 460-4483.

Free Posting for those seeking employment in Leasing:

All “free” categories “job wanted” ads:



Are Accurint Reports a Consumer Credit Report?
Will This Change Their Use?
By Tom McCurnin
Leasing News Legal Editor

Recent Litigation Suggests That Most Accurint Reports Are Covered by the FCRA, Which May Give Rise to a Lessor’s Duty to Disclose the Accurint in a Credit Declination. Accurint Agrees to Modify Reports in 2015.

The bottom line to this class action is that the ubiquitous Accurint Report which we all thought was the poor man’s credit report, probably is a credit report and should be treated as such.

Berry v LexisNexis 3:11 CV 754 (E.D. Va. 2014)

The ever-present Accurint report—what would we do without it?  It’s cheap, easy to obtain, and provides invaluable information about the other side.  The user doesn’t need permission to run the report, qualifying as a user is super-easy, the subject doesn’t know the user has run the report, and there is little the subject can do to change the report.  More importantly, if a creditor runs such a report, and it takes a credit action on the report, there are no duties imposed on the creditor with respect to the Accurint report—because it’s not a credit report. 

Ahh, those were the good old days.  All this is about to change—for the worse. 

Over the past four years, there have been several lawsuits trying to establish that the LexisNexis product, Accurint, is in fact a consumer credit report, for four reasons:  (1) The entities ordering the reports must pre-qualify for receipt of credit information; (2) The entities must obtain consent from the customer to run the reports; (3) If credit is declined, the entity has specific duties under Regulation B relative to the contents of the report; and (4) Consumers have no means to contest inaccurate Accurint reports, a feature under the Fair Credit Reporting Act, but not available to subjects of an Accurint report.

Under FCRA and Reg B. all principal reasons for the credit declination need to be disclosed, to a maximum of four reasons., five if the fifth is too many credit pulls.

If information which contributed to the credit declination was found in a credit report, the creditor has to provide the applicant with the name of the credit report, the address, phone number and that the applicant has the right to obtain a free copy and can dispute the information in the credit report. 

Most of the cases have failed to have Accurint fall under these guidelines, due to the fact that there is no “credit” information in an Accurint report, only a compilation of public records. 

One case against LexisNexis in California failed.  Liberi v Taitz 2012 WL 10919115 (C.D. Cal. 2012) held that LexisNexis was not supplying consumer credit reports.  That case, by a “Birther” is currently on appeal.  I’m not altogether sure what the connection between Accurint and President Obama’s birthplace is, but I must confess I think the logic of most “Birthers” is flawed.

Another case was Adams v LexisNexis 2010 WL 1931135 (D. N.J. 2010) which held that the plaintiff could allege that LexisNexis was supplying consumer credit reports.  There was no specific finding in the case that it was doing so, although the case has some terrible dicta that might suggest that LexisNexis is a consumer credit reporting agency. LexisNexis quickly settled that suit on undisclosed terms. 

Berry Class Action Case

But in the Berry decision, the plaintiffs were more persistent, perhaps because a class action attorney fee settlement was the pot of gold at the end of the rainbow. The facts follows: 

Gregory Berry is a consumer residing in Virginia.  Berry alleged that LexisNexis is a consumer reporting agency and that the Accurint Report is a consumer credit report.  The complaint alleges that in 2004, LexisNexis split the report function into two entities, Accurint and Securint, the latter being governed by the Fair Credit Reporting Act.  However, the complaint alleged that the two reports are identical. 

The claim was that although there was no “credit” information contained in an Accurint report, the information could be used by credit professionals to make credit decisions.  The report has addresses, truncated social security numbers, bankruptcies (both inside and outside the 10 year bar date) and other information. 

The Complaint sought class certification.  Surprisingly, one of the classes is a class of consumers who sued in the Adams decision above, so the Berry decision resurrected the Adams class. 

Surprisingly, LexisNexis did not contest the allegations, and instead filed an Answer in June 2012.  The parties quickly entered into settlement negotiations, which were protracted.  Nine months later, in March 2013, the parties had inked a deal, and presented the settlement to the Court for preliminary approval.  It has since been modified but the essence of the settlement includes these deal points, all of which have been approved by the court:

• LexisNexis will split the product lines into two types, those reports covered by FCRA and those which are exempt.
• The FCRA governed report, to be called a “Credit and Collections Report” and will be available to credentialed users. 
• Other reports will be available to non-credentialed users which presumably will have less information.  

Thus, by LexisNexis’ own admission, which has been approved by the Court, the Credit and Collections Accurint Report is a consumer credit report.  What are the ramifications of this admission and settlement?

First, equipment lessors that order any Accurint Report may have to disclose, upon credit declination, the existence of the report and contact information for Accurint, so the customer may dispute the contents.  This is similar to current law for the contents of a consumer credit report.  I’m not sure that Accurint is presently set up for allowing consumers free access to its reports. 

Second, if an equipment lessor declines on the basis of an Accurint report and does not disclose the report and the contact information, it is subject to damages under the FCRA.  I’m not saying the lessor will be sued, only that there exists a possibility of such a suit, based on the facts of the Berry decision. 

Third, equipment lessors should expect that Accurint will modify its business model to only allow credentialed users access to the FCRA report, “Credit and Collections Report” within the next year. 

Fourth, non-credentialed users, like lawyers, are probably not at risk for using the reports and certainly will have safe harbor after the product line is split in 2015. 

The bottom line to this class action is that the ubiquitous Accurint Report which we all thought was the poor man’s credit report, probably is a credit report and should be treated as such.

The argument is that even though the report only contains public information, that information is used in credit determinations, and there is no way to dispute the contents of the report. 

Accurint Berry Complaint

Accurint Berry Answer

Accurint Stipulated Injunction

Tom McCurnin is a partner at Barton, Klugman & Oetting in Los Angeles, California.

Tom McCurnin
Barton, Klugman & Oetting
350 South Grand Ave.
Suite 2200
Los Angeles, CA 90071
Direct Phone: (213) 617-6129
Cell (213) 268-8291
Visit our web site at
Previous Tom McCurnin Articles:

Previous Tom McCurnin Articles:




ELFA Reports July Business Fell 13% from June
But Historically this is Normal report Industry Leaders

Before looking at this as negative news, since the Equipment Leasing and Finance Association (ELFA) has been taking the MFLI-25, July has always been lower than the month of June; particularly this time when June was $9.0 billion. According to the records kept, there was never a July that was higher than June business.


John Boettigheimer
Centra Leasing, Inc

"While business was weaker than expected in July, we have seen an extremely busy August.  When you combine the July-August months and average them, they are much stronger than I would expect for typical Summer funding months."


Christopher A. Enbom
Allegiant Partners

 "July, 2014 was up from July of 2013, which is good news.  I do not, however, put too much emphasis on any given months’ total, but look instead to broader trends which are still positive."

David T. Schaefer, CLP
Chief Executive Officer
Orion First Financial

“It is common to see a slow down around the summer months as small business owners and others enjoy their vacations.  The modest year over year growth is still a bit disappointing as we have seen higher growth in the last few quarters.  We still remain optimistic about continued growth but expect lower than what you would expect coming out of a recession.”

Elaine Temple
BancorpSouth Equipment Finance

 “The month-over-month drop in new business volume was expected as business volume is typically lower in July and August.  The year-over-year growth of 4 percent is encouraging and reflects that the economy is in a recovery, but a slow recovery.”

Allan Levine
Madison Capital

"Madison Capital had a great summer. It has been the best in years. In short, both equipment and vehicle lines, from a direct lending basis, have been strong. And, there has been an uptick in Madison’s indirect business as well. Historically, we do a large percentage of business in the last 5 months of the year. If history repeats itself, this should be a record year."

Woody Sutton, CAE, ELFA President and CEO, summed it up, ""After a solid second quarter that saw an overall increase in U.S. GDP and strong business investment, new business volume in the equipment finance sector continued to hold steady in July. Credit performance is mixed: monthly delinquencies were up (as a result of a single respondent-outlier) but charge-offs remained at historically low levels. For now, most ELFA member companies report good, if not spectacular, growth, and conditions appear favorable for this to continue into the late summer and early fall."


ELFA June Charts

MLFI-25 New Business Volume (Year Over Year Comparison)
click to make larger

Aging of Receivables:

click to make larger

Average Losses (Charge-offs) as a % of net receivables
(Year Over Year Comparison)

click image to make larger

Credit Approval Ratios As % of all Decisions Submitted
(Year Over Year Comparison)

click image to make larger

Total Number of Employees
(Year Over Year Comparison)

click image to make larger


ELFA MLFI-25 Participants

BancorpSouth Equipment Finance
Bank of America
Bank of the West
BB&T Bank
BMO Harris Equipment Finance
Canon Financial Services
Caterpillar Financial Services
De Lage Landen Financial Services
Dell Financial Services
Direct Capital Corporation
EverBank Commercial Finance
Fifth Third Equipment Finance
First American Equipment Finance, a City National Bank Company
GreatAmerica Financial Services
Hitachi Credit America
HP Financial Services
Huntington Equipment Finance
John Deere Financial
Key Equipment Finance
LEAF Commercial Capital
M&T Bank
Marlin Leasing
Merchants Capital
PNC Equipment Finance
RBS Asset Finance
SG Equipment Finance
Siemens Financial Services
Stearns Bank
Susquehanna Commercial Finance
TCF Equipment Finance
US Bancorp Equipment Finance
Verizon Capital
Volvo Financial Services
Wells Fargo Equipment Finance



Sales Make it Happen by Robert Teichman, CLP

Sales Isn't Just for the Salesperson

Finally, the equipment is verified, the deal is booked, the vendor and the salesperson are paid, and the documentation department closes the file. Now the customer will be the responsibility of the billing department for the rest of the lease. Right?


Success in the equipment leasing business depends on continuing to increase the number of transactions written. You can achieve that by writing many new deals, and constantly trying to find new customers, or you can reach the goal by developing and improving relationships you have already established.

Many salespeople in our business believe that equipment leasing is a "deal" business. It isn't. It is "relationship business." Studies have proved time and time again that it is far easier and less costly to sell to existing customers than to develop new ones.

But how do you maintain relationships when most companies buy equipment only occasionally? Certainly, you stay in close touch with your customer. You call your contact person often. You know when the company makes decisions on its capital budget and you contact them then. But did you know that your documentation officer can be your best friend? After all, it is usually the documentation person who is the last one to talk to your customer when the lease is booked.

Since some leases take considerable time to close, your customer may have decided to get some more equipment by then. During the last conversation when the lease closes, the documentation officer could ask if the customer is satisfied with the service, and could then ask if the customer has any additional equipment financing needs. You might be surprised to learn that more equipment is on its way.

Sometimes we lose sight of the fact that selling is not limited to the salesperson. Closing a deal requires the cooperation of Sales, Credit and Documentation. And while the salesperson acts as the Relationship Manager, the other members of the Production Team do their part to help retain the customer's good will and promote future business.

In a successful equipment leasing company, everybody sells.

Bob Teichman, CLP
Teichman Financial Training
"Education & training for leasing and financing personnel"
Tel: 415 331-6445

(Associate Editor Ralph Mango writes: to underline Bob’s very relevant point, when I was at AT&T Capital Leasing Services, I was part of an AT&T Capital team in ’94 looking to implement plans to improve the customer experience.  Among our findings was the fact that over 80% of customer interactions were with non-sales staff, very few of whom had been trained in customer relationship technique.  We quickly undertook the requisite educational and sensitivity training that resulted in significant increases in existing customer volume across an increased number of AT&T business units.)


Leasing Industry Help Wanted


Collector, Atlanta, GA

Experienced, calling 11-90 day delinquent customers, assisting Asset Re-marketer with delinquency reporting, weekly reporting to home office.

Sales, Chicago, Atlanta

Work out of main office and satellite. Heavy phone sales calling on both independent dealers and end users (cold/warm calling), marketing, weekly reporting to management. Outside territorial salespeople will also be considered.

Contact: Michael Testa 312-881-3133
Financing for Commercial Truck & Trailer, Exotic, High Line, Vintage & Classic Automobiles, Taxi, Livery & Paratransit

For information on placing a help wanted ad, please click here: 
Please see our Job Wanted section for possible new employees. 



Leasing Portals
(Business to Business including Finance/Leasing)

One site is free, the other two require a subscription for "leads" or "sources." Portals were the original browsers that are now much broader, such as Google or Yahoo. They basically link users to other reference sites. These portals are aimed specifically at business sites and network.



California Governor Signs Bill Requiring "Kill Switch"

California Governor Jerry Brown signed a bill, the first in the country, to require opt-out "kill switches" on smartphones. As of July 15, 2015, all smartphones to be sold in the State of California are required to have them.  The bill was introduced by Senator Mark Leno (D-San Francisco). It was originally part of New York Attorney General Erick Schneiderman and San Francisco District Attorney George Gascon to make it mandatory across the United States, in an effort to halt the theft of these devices. More than 3.1 million Americans had smartphones stolen in 2013, according to a Consumer Reports survey. Violent crime was often involved in personal thefts.

Several smartphones have a fingerprint switch, The state of Minnesota has a kill-switch feature, but it needs to be enabled by the user under default settings, whereas the California law has it mandatory. Most smartphones require a password. Surveys indicated the passwords are rarely used, as users state it often slows down the process. recently reported that a new milestone in the worldwide market for smartphones was reached when 300 million units were shipped in the second quarter, a new record. According to the IDC Worldwide Quarterly Mobile Phone Tracker, smartphone vendors shipped a total 301.3 million units worldwide in 2Q, a year-over-year rise of 25.3 percent from 2Q 2013′s 240.5 million.

Dominating in terms of mobile OS, Android and iOS’ collective market share swelled to 96.4 percent in 2Q, IDC highlighted, “leaving little space for competitors.”  Whether the technology can be added to existing smartphones was not made public.

There are also programs that will protect smartphones/tables/laptops:


John Kenny 
Receivables Management

• End of Lease Negotiations & Enforcement
• Fraud Investigations
• Credit Investigations • Asset Searches 
• Skip-tracing • Third-party Commercial Collections | ph 315-866-1167|

(Leasing News provides this ad as a trade for investigations
and background information provided by John Kenny)


Use a Password Generator

This is primarily for computer, laptop and perhaps tablet users, as most smartphones will find the suggestion of having many passwords or as long as 15 spaces too cumbersome.

To prevent your passwords from being hacked by social engineering, brute force or dictionary attack method, you should notice that:

1. Do not use the same password for multiple important accounts.

2. Use a password that has at least 15 characters, use at least one number, one uppercase letter, one lowercase letter and one special symbol.

3. Do not use the names of your families, friends or pets in your passwords.

4. Do not use postcodes, house numbers, phone numbers, birthdates, ID card numbers, social security numbers, and so on in your passwords.

5. Do not use any dictionary word in your passwords.

6. Do not let your Web browsers (FireFox, Chrome, Safari, Opera, IE) store your passwords, since all passwords saved in Web browsers can be revealed easily.

7. Do not log in to important accounts using the computers of others, or when connected to a public Wi-Fi hotspot, Tor, free VPN or web proxy.

8. Do not send sensitive information online via HTTP or FTP connections because messages in these connections can be sniffed with very little effort. You should use encrypted connections such as HTTPS and SFTP whenever possible.

9. It's recommended to change your passwords every 10 weeks.

10. It's recommended that you remember a few master passwords, store other passwords in a plain text file and encrypt this file with 7-Zip, GPG or a disk encryption software such as BitLocker, or manage your passwords with a password management software such as iPassword Generator.

11. Turn on 2-step authentication whenever possible.

12. Do not store your critical passwords in the cloud.


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


Chart: The Top 10 Apps in the States
  Mobile Apps by Unique Visitors

According to ComScore, people use these apps so often that nearly 2 out of every 3 smartphone users fail to download a new app each month.


Leasing News Icon for Android Mobile Device

As an icon works on a computer, this one connects to, which is designed for a portrait reading, versus a landscape (but can be read either way). 

Open in the mobile devicde, then click the link to download the icon. Your mobile device has a download section, as your computer does, find the .apk file and open it. It will be placed with all icons and you can drag it to your face or page you want on your mobile device. 

You can also copy and email it to your email program on your mobile device, and download direct (you can also ask us to email to you, which you can download).


Bookmark Leasing News



Banks with the highest Texas ratios in Q2'14
SNL Financial Report
By Tahir Ali

By state, Georgia continues to hosts the most institutions with an adjusted Texas ratio above 100% at 33 as of June 30, three less than in the first quarter of 2014. Illinois ranked second with 20 institutions and Florida was third with 18 institutions.

The number of banks and thrifts with an adjusted Texas ratio above 100% continued to decrease in the second quarter, falling to 157 at June 30, compared to 181 in the first quarter. The median Texas ratio among those institutions above 100% also improved to 155.38% at June 30, compared to 156.14% in the prior quarter. Since hitting a peak of 510 institutions above the 100% mark in the fourth quarter of 2010, the count has fallen steadily every quarter.

A high Texas ratio does not imply failure, but the ratio is a good measure of a bank's ability to absorb future losses. SNL defines the adjusted Texas ratio as nonperforming assets plus loans 90 days or more past due — excluding delinquent government-guaranteed loans and other real estate owned covered by loss-sharing agreements with the FDIC — divided by tangible equity plus reserves. Institutions that reported negative tangible equity are excluded from the analysis.

Of the seven bank failures during the second quarter, five reported an adjusted Texas ratio above 100% in the quarter prior to failure. Berwyn, Ill.-based AztecAmerica Bank, posted an adjusted Texas ratio of 606.96% at March 31, while Cincinnati-based Columbia Savings Bank came in at 348.73%; Fort Lauderdale, Fla.-based Valley Bank at 299.79%; Bel Air, Md.-based Slavie Federal Savings Bank (MHC) at 245.87%; and Moline, Ill.-based Valley Bank at 214.77%.

As of June 30, First City Bank of Florida reported the highest adjusted Texas ratio among active commercial and savings banks at 593.18%. However, this was down from 627.13% at March 31. The company's nonperforming assets fell by $3.0 million quarter over quarter and the bank reported a net income of $51,000, after six straight quarters of losses totaling $1.1 million.

Capitol City Bank & Trust Co. posted the second-highest adjusted Texas ratio at 590.96% at the end of the second quarter although this was a decrease from the first quarter's 614.14%. The bank reported an additional $1.3 million in adjusted nonperforming assets. However, this was offset by a $720,000 decline in adjusted loans 90 days past due and an increase in tangible equity of $537,000 quarter over quarter.

Meanwhile, Eastern Savings Bank FSB reported an adjusted Texas ratio of 571.92% for the second quarter, third highest on the list. The bank's adjusted nonperforming assets fell by $11.03 million in the quarter, which helped push the thrift's adjusted Texas ratio down from the 608.16% reported at March 31. The company has been steadily shrinking since the second quarter of 2010 when it reported $894.2 million in assets, compared to the $410.2 million it reported at June 30, 2014.





North Mill Equipment Finance SVP Publishes Book
“The Attic and Other Stories:
A Collection of Supernatural Tales”

“The Attic” is a collection of 13 ghost stories and other supernatural tales by David Evans Katz, Senior Vice President, Capital Markets and Strategic Finance, North Mill Equipment Finance, a subsidiary of Colford Capital. Many of the stories have been published in print magazines such as All Hallows, the literary journal of The Ghost Story Society, Zahir – Unforgettable Tales, and Skyline Literary Magazine.  Four are published in this edition for the first time.

Print Length: 176 pages

The Attic is downloadable to all eBook readers (iPad, iPhone, Kindle, Android, etc.) and is available at and other eBook retailers.

Mr. Katz is also the author of the novels “The Real McCoy” and “Sin of Omission” (Koenisha Publications).



Poodle (Miniature)
Napa, California Adopt-a-Dog

ID#: 7303807
Breed: Poodle (Miniature)
Sex: Male
Color: White
Age: Adult
Size: Small 25 lbs. (11 kg) or less

DJ's Info...
I am already neutered, housetrained, purebred, up to date with shots, good with kids, and good with dogs.

DJ's Story...

DJ is a 6 year old male Miniature Poodle mix looking for a forever home. He is approximately 15lbs. He is neutered and up to date on vaccinations. He gets along with everyone!!! All his life he has lived with children...... ages 3-18 years. He is shy with new doggie friends but does well once he is introduced and gets used to them. DJ is a sweet little guy who loves to cuddle any chance he can get! His favorite hobbies are to play fetch, chew on his bones, take walks, and.... Cuddle (of course)

If you would like to know more about DJ or meet him, please contact Brett @ 707-815-4037

Rescue Group: Whiskers, Tails and Ferals
Pet ID #: 7303807
Phone: (707) 258-2287
1370 Trancas St #206
Napa, CA 94558

Adopt a Pet




Classified ads—Back Office

Leasing Industry Outsourcing
(Providing Services and Products)

Back Office

Back Office: Atlanta, GA
Let Tax Partners handle your sales and use tax compliance duties w/less risk and cost than in-house. Largest tax compliance firm
in US
Back Office: 58 Calif. counties
Property tax, assessment appear representation and
consulting, including hearing appearances.  
Ken Sullivan 800-540-3900
Backoffice: Dallas, TX 
Property Tax and sales and use tax administration services performance is guaranteed and we will save you time and money or our service is free.
Back Office: Gig Harbor, WA
Orion First Financial provides comprehensive lease/loan account servicing, collection/workout solutions and strategic advisory services. Contact David T. Schaefer
Back Office: Laughlin, NV
20 years experience on funder/broker sides. Looking for a relationship where I act as credit shop for smaller brokers when financial statements are involved.
Back Office: National Property Tax Compliance Services to the leasing industry. Over 60-years experience and fifty Lessors as clients. References and free quotes available,
Back Office – National
Spending too much time on processing credit applications, preparing lease documents and other administrative tasks and not enough time marketing and growing your business? Call us!407.964.1232
Backoffice: New Rochelle, NY
Proactive management/administration of commercial/consumer vehicle lease/finance portfolios covering insurance, titles,
registrations, sales/property taxes, tickets, collections, accounting, vehicle disposition. Since 1975
Back Office: Northbrook, IL
Our staff of CPA's and lease professionals can handle any or all portfolio responsibilities incl. portfolio mgmt, invoicing, sales/property/income tax, accounting, etc. 
Back Office: San Rafael, CA
We can run your back office from origination to final payoff. 30 years experience in commercial equipment lease and loan portfolio management.
Back Office - Portland, OR 
Keep more of your hard-earned commissions! Middle-Market, Small-Ticket for brokers, nationwide, 20+years experience, negotiable splits. Contact us for more information at (888)745-9481 or
Back Office -Portland 
Portfolio Financial Servicing Company is a leading provider of private label primary and backup servicing for lease and loan contracts. 800-547-4905

Portfolio Servicing: Portsmouth, NH
Servicing without all the subcontracting. Payments, billing, collection, legal, recovery, accounting, tax. Leading systems; highly recognized professionals. Call 855.EENGINE
Web Site


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

How to Post a free "Outsourcing" classified ad:





News Briefs----

Boeing wins $8.8 billion BOC aviation order on Asian demand

Mortgage delinquencies keep falling

Compare Over 200 Credit Cards




--You May Have Missed It

Which State Would You Like to Live In


SparkPeople--Live Healthier and Longer

The Keys to Conquering Cholesterol
Do's and Don'ts for a Healthy Heart


Baseball Poem

Smallest Red Sox fans
With shirts too wide for shoulders,
named "ARCIAPARR."

--Kurt Blumenau, Emmaus, PA

The field is empty
The baseball game has ended
No more cheering crowds

--Mary Catherine Harmon, Milford, NY

Ball falls harmlessly
Dark October night cool, crisp
Last man coming home

--Patrick Lethert, Woodbury, MN

Bonds swings the maple,
Pac bell is a roar, the long
winter is no more.

--Perry Dugger, Madisonville, KY

My fifty-third spring;
Once again I carefully
Oil up the old mitt.

--Larry Bole, New York, NY

Pitchers and catchers
Report in February
Spring training begins

--James Bernhardt



Sports Briefs----

Seahawks, Pete Carroll collectively penalized, fined for CBA violation

Was USC player's heroic act a hoax?



California Nuts Briefs---


“Gimme that Wine”

Most wineries not insured for quake losses

Quake Cleanup Continues in Napa

New York Grape Grower Survey Reveals Huge Losses

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This Day in History

    1633 - Irish Catholic Cecil Calvert, 27, sent two ships, the Ark and the Dove, from Ireland to establish a colony in America as a refuge for fellow Catholics. His work later earned Lord Calvert the nickname, "Colonizer of Maryland."
    1637 – Coincidentally, Charles Calvert, 3d Baron Baltimore, English politician, 2nd Proprietor of Maryland was born.  It is unknown if they were related.  Charles died in 1715.
      1650 - History records the first expedition, lead by Englishman, who crossed the Allegheny Mountains at Fork Henry, at the falls of the Appomattox River, VA, and returned on September 4. The party consisted of Captain Abraham Wood and his servant, Henry Newcombe; Edward Bland, merchant, and his servant, Robert Farmer, Elias Pennant and Sackford Brewster, and two guides, Oyeocker, a Nottaway chief, and Pyancha, an Appamattuck war captain.
    1655 - Accomac, VA, was the site of the first play presented in the North American col­onies. The play was “Ye Bare and Ye Cubb”, by Phillip Alexander Bruce. Three local residents were arrested and fined for acting in the play. At the time, most colonies had laws prohibiting public performances; Virginia, however, had no such ordinance. The actors, Cornelius Watkinson, Philip Howard, and William Darby, were accused of sedition and were summoned to appear in court on November 16, 1665, “in those habiliments that they then acted in and give a draught of such verses or other speeches and passages which were then acted by them.“ They were found not guilty, and Edward Martin, who had informed on them, was ordered, “to pay all the expenses of the presentment.”
    1655 - New Amsterdam and Peter Stuyvesant bar Jews from military service. The first Jew to settle in North America, Jacob Barsimson, arrived on Manhattan Island, first of 24 Jewish immigrants in 1654. In September, three Jews fleeing the Spanish Inquisition in Brazil, arrived in New Amsterdam, and more followed. Their right to stay was upheld by the Dutch West India Company, against the wishes of Governor Peter Stuyvesant. They founded Congregation Shearith Israel, with Saul Brown as first rabbi.
    1776 - In the Battle of Long Island, NY, in what is now Brooklyn, American forces commanded by Gen. Israel Putnam and Gen. John Sullivan were defeated by the British under Gen. Sir William Howe and Gen. Sir Henry Clinton. Howe took Gen. Sullivan prisoner. On August 30, the Americans evacuated Long Island and crossed to Manhattan. The British recognized the strategic importance of New York as the focal point for communications between the northern and southern colonies. General George Washington also recognized this, and in April of 1776, he marched his troops from Boston to New York. He positioned his troops on the western end of Long Island in anticipation of the British arrival. When the British fleet arrived, they had 45,000 troops against Washington's 20,000. The British attacked, forcing Washington to cross the East River into Manhattan. Washington left 3,000 men to defend Fort Washington, then headed north.
    1805 - Sallie Chapman Gordon Law birthday.  She organized a 12-bed hospital in Memphis for Confederate soldiers and somehow managed to care for the wounded of the great battle of Shiloh in 1862. When Memphis was taken by the Union forces, Law converted her assets into medicinal drugs which she smuggled into the South.
    1832 – The Black Hawk War ended when Chief Black Hawk of the Sauk nation, surrenders to U.S. authorities.
    1849 - Austin College was chartered in Texas at Huntsville under Presbyterian sponsorship. In 1876, the school campus was moved to Sherman, TX.
    1859 - W.A. “Uncle Billy” Smith discovered oil in a shaft being sunk by Colonel E.L. Drake at Titusville, in western Pennsylva­nia. Drilling had reached 69 ft, 6 inches when Smith saw a dark film floating on the water below the derrick floor. Soon 20 bar­rels of crude were being pumped each day. The first oil was refined to make kerosene for lighting, replacing whale oil. Later, it was refined to make gasoline for cars. The first gas station opened in 1907.
    1862 - Confederate female spy Belle Boyd released from Old Capital Prison in Washington, DC
    1871 - Birthday of Theodore Dreiser, American novelist, at Terre Haute, IN. As part of the Chicago group, he was an exponent of American naturalism in literature. His first novel, “Sister Carrie,” (1900), was suppressed by his publisher on moral grounds.  Dreiser's finest achievement is widely considered to be his novel, “An American Tragedy“(1925), a college requirement. He died December 28, 1945, at Hollywood, CA.
    1872 - Mary Anderson birthday: Swedish-born Director of the Woman's Bureau of the U.S. Dept. of Labor for more than 20 years. Arrived in the U.S. at 16 not knowing a word of English, worked as a cook, stitched shoes in a factory for 18 years of ten-hour days, and with a fierce determination, educated herself in the evenings. She became active in her local of the International Boot and Shoe Union
    1873 - American lawyer Horatio G. Spafford's four daughters drowned when their passenger ship, while crossing the Atlantic, collided with another and sank. The following month, as his own ship passed over the spot of the earlier tragedy, Spafford penned the words to the enduring hymn, "It is Well With My Soul."
    1877 - Birth of Lloyd C. Douglas, American Lutheran clergyman and religious novelist. Douglas published his first best-seller, "Magnificent Obsession," in 1929, followed later by "The Robe" (1942) and "The Big Fisherman" (1948).
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    1879 - Birthday of African-American Publisher Robert Lee Van.
    1893 - The first of three great hurricanes that year struck South Carolina, drowning more than 1000 persons in a tidal surge at Charleston.
    1900 - U.S. Army physician James Carroll allowed an infected mosquito to feed on him in an attempt to isolate the means of transmission of yellow fever. Carroll developed a severe case of yellow fever, helping his colleague, Army pathologist Walter Reed, prove that mosquitoes transmit this often-deadly disease.
    1905 - Mary Jane Ward birthday.  Author of the chilling “Snake Pit” (1946) about life in an insane asylum. She commented: "There was no attempt to write any sort of fact. Juniper Hills, from tubs to tunnel, was built and peopled by a mind that was on vacation."
    1908 - Sarah J. Rooke, a telephone operator, disregards her personal danger to alert and save most of the people of Folsom, New Mexico, from flood waters. She died when the flood washed away the building as she was desperately trying to reach more residents.
    1908 - Birthday of Lyndon Baines Johnson, the 36th president of the US who succeeded to the presidency following the assassination of John F. Kennedy. Johnson's term of office: Nov 22, 1963—Jan 20, 1969. In 1964, he said: “The challenge of the next half-century is whether we have the wisdom to use [our] wealth to enrich and elevate our national life—and to advance the quality of American civilization.” He perhaps would have been remembered as one of the greatest presidents of his time for all the domestic acts, laws, events, but all of this was overshadowed by his posture to show he was not weak on communism and the poor military advice he took. He died a few years after leaving office, a broken and very unhappy man. Johnson was born near Stonewall, TX, and died at San Antonio, TX, Jan 22, 1973. His birthday is observed as a holiday in Texas.
    1909 - Tenor sax player Lester Young birthday

    1916 – Birthday of actress/comedian Martha Raye (born Margey Reed) in Butte, MT.  She was honored in 1969 with an Academy Award as the Jean Hersholt Humanitarian Award recipient for her volunteer efforts and services to the troops.  During World War II, the Korean War and the Vietnam War, she travelled extensively to entertain American troops despite her lifelong fear of flying.  She was a star of the 1930s and 1940s and enjoyed a revival in television in the 1970s.  She died in Los Angeles on October 19, 1994 after a long history of cardiovascular disease.
    1918 – Battle of Ambos Nogales – US Army, stationed at Nogales, AZ, against Mexican Carrancistas and their German advisors, stationed at Nogales, Mexico in the only battle of World War I fought on American soil.
      1921 - J.E. Clair, who owned the Acme Packing Company, bought a pro football franchise for Green Bay, WI. He wanted to pay tribute to those who packed the meat at his processing plant, thus: the Green Bay Packers. (Note, they are usually not referred to as “Green Bay
Packers, “but THE Green Bay Packers, as is the Bronx, the Fed, and other such Americanisms.)
    1923 - Birthday of trumpet player Idress Sulieman,
born St. Petersburg, FL.
    1935 – Birthday of pitcher Ernie Broglio, most famous for being traded by the Cardinals to the Cubs for future Hall of Famer Lou Brock on June 15, 1864, in Berkeley, CA.
    1937 – Singer Tommy Sands, Frank Sinatra’s first son-in-law born in Chicago, his kind of town.  His biggest hit was called "Teen-Age Crush" went over big with the young audience and went to No.2 on the Billboard Hot 100 and No. 1 on the Cashbox chart.   This led to a film contract that produced mostly forgettable movies.  In 1960, Sands married Nancy Sinatra, from whom he was divorced in 1965. At that point in his career, Frank had him "blacklisted" in the entertainment industry.
    1939 - Singer Allan Jones recorded "I'm Falling in Love with Someone" on Victor Records.
    1942 – The Captain, Daryl Dragon, of The Captain and Tennille, born in LA.
    1943 – Actress Tuesday Weld, Dobie Gills’ girlfriend Thalia Menninger, born Susan Ker Weld in NYC.
    1946 - Top Hits
“To Each His Own” - Eddy Howard
“Surrender” - Perry Como
“They Say It's Wonderful” - Frank Sinatra
“New Spanish Two Step” - Bob Wills
    1947 - Dan Bankhead becomes the Major Leagues’ first black pitcher. He doesn't do well in a relief stint, giving up ten hits and six runs in three and third innings in a 16-3 loss to the Pirates, but the Dodger rookie hits a home run in his first major league at-bat.
    1951 - *HARTELL, LEE R., Medal of Honor.
Rank and organization: First Lieutenant, U.S. Army, Battery A, 15th Field Artillery Battalion, 2d Infantry Division. Place and date: Near Kobangsan-ni, Korea, 27 August 1951. Entered service at: Danbury, Conn. Birth: Philadelphia, Pa. G.O. No.: 16, 1 February 1952. Citation: 1st. Lt. Hartell, a member of Battery A, distinguished himself by conspicuous gallantry and intrepidity at the risk of his life above and beyond the call of duty in action against an armed enemy of the United Nations. During the darkness of early morning, the enemy launched a ruthless attack against friendly positions on a rugged mountainous ridge. 1st Lt. Hartell, attached to Company B, 9th Infantry Regiment, as forward observer, quickly moved his radio to an exposed vantage on the ridge line to adjust defensive fires. Realizing the tactical advantage of illuminating the area of approach, he called for flares and then directed crippling fire into the onrushing assailants. At this juncture a large force of hostile troops swarmed up the slope in banzai charge and came within 10 yards of 1st Lt. Hartell's position. 1st Lt. Hartell sustained a severe hand wound in the ensuing encounter but grasped the microphone with his other hand and maintained his magnificent stand until the front and left flank of the company were protected by a close-in wall of withering fire, causing the fanatical foe to disperse and fall back momentarily. After the numerically superior enemy overran an outpost and was closing on his position, 1st Lt. Hartell, in a final radio call, urged the friendly elements to fire both batteries continuously. Although mortally wounded, 1st Lt. Hartell's intrepid actions contributed significantly to stemming the onslaught and enabled his company to maintain the strategic strongpoint. His consummate valor and unwavering devotion to duty reflect lasting glory on himself and uphold the noble traditions of the military service.
    1952 - Birthday of comedian Pee-Wee Herman , very popular for his 1950 “look,” until he went to the movies by himself.
    1954 - Top Hits
“Sh-Boom” - The Crew Cuts
“The Little Shoemaker” - The Gaylords
“Hey There” - Rosemary Clooney
“I Don't Hurt Anymore” - Hank Snow
    1961 - Hitting his 51st home run, against the Kansas City A's, Roger Maris has the most homers in major league history at this point in the season.
    1962 – Mariner 2 unmanned spacecraft is launched to Venus by NASA.            
    1962 - Top Hits
“The Loco-Motion” - Little Eva
“Things” - Bobby Darin
“You Don't Know Me” - Ray Charles
“Wolverton Mountain” - Claude King
    1964 - Hurricane Cleo battered Miami and the South Florida area. It was the first direct hit for Miami in fourteen years. Winds gusted to 135 mph, and the hurricane caused 125 million dollars damage.
    1965 - Elvis Presley's manager Colonel Tom Parker contacts Beatles manager Brian Epstein to let him know that Elvis will agree to meet the Beatles in his Los Angeles mansion on Perugia Way. When the group arrive, stoned on marijuana, The King is in the darkened living room, surrounded by his entourage, sitting on an L-shaped couch, looking at the TV with the sound off, fooling around on a bass guitar. "Hi, Elvis," says the group, almost all at once. "Hey, you guys want a drink?" Elvis offers.
 The four sit down to watch TV with Elvis and are taken with his early-model remote control, still a novelty. The group is also thrilled by the King's pool table, and plays a few games with the Mafia, while Presley's jukebox plays Charlie Rich's "Mohair Sam" over and over. Priscilla is presented to the group and then quickly whisked away, dressed, according to Paul, "in a purple gingham dress, with a gingham bow in her very beehive hair, with lots of makeup."
 Awed somewhat by each other's presence, conversation does not come easily, but John thinks to ask if Elvis is working on a new movie. "I sure am," he replies. "I play a country boy with a guitar who meets a few gals along the way, and I sing a few songs." "We all looked at one another," remembers John. "Finally Presley and Colonel Parker laughed and explained that the only time they departed from that formula - for Wild in the Country - they lost money."
 Paul offers to give Elvis some lessons on the bass; the group eventually falls into a very informal, brief, and anticlimactic jam session. Everyone seems pleased with the experience, however: John Lennon, upon leaving, tells Jerry Schilling to make sure Elvis knows that "if it hadn’t been for him, the Beatles would be nothing."
    1965 - Columbia Records releases Bob Dylan's second electric album, "Highway 61 Revisited." Hits include "Like a Rolling Stone" and "Ballad of a Thin Man."
    1966 - The Association's "Cherish" is released.
    1967 - While studying with the Maharishi in Bangor, North Wales, the Beatles receive news that manager Brian Epstein has been found dead in his Belgravia, London home (a death later attributed to an accidental overdose of the sleeping pill Carbitrol, taken with brandy). The Maharishi puzzles the Beatles somewhat by counseling them that Brian's death is cosmically unimportant; nevertheless, they immediately return to London. On the same day, London's Sunday Express newspaper reports that former band drummer Pete Best now works in a bakery, where he pulls down a weekly salary of eighteen pounds.
      1968 - Police and anti-war demonstrators clash at Chicago's Democratic National Convention, polarizing all sides to the issue of the war in Viet Nam, as Hubert Humphrey, President Lyndon Johnson's vice-president, is chosen as the presidential nominee. Protesting the riot, members of the convention's Wisconsin delegation attempt to march to the convention, but police turn them back. Julian Bond, denied his seat in the Georgia state legislature, seconds the nomination of Eugene McCarthy, adding that he has seen such police behavior only in Mississippi, Alabama and Georgia. Some say the fight about Viet Nam is still going on today with bitterness remaining in many veterans’ hearts against those who did not support the war or their country: right or wrong.
    1970 - Top Hits
“Make It with You” - Bread
“Spill the Wine” - Eric Burdon & War
“War” - Edwin Starr
“Don't Keep Me Hangin' On” - Sonny James
    1970 - The Troubadour in Los Angeles, CA was the venue of singer Elton John's first concert appearance in America and a record company executive for UNI records (a division of MCA) signed Elton to a recording contract. There were many singers who got their start here, including Neil Diamond.
    1970 - Elko, NV, was deluged with 3.66 inches of rain in just one hour, establishing a state record.
    1971 - Birthday of Janet Evans US swimmer (Olympics-1992)
    1975 - No. 1 Billboard Pop Hit: “Get Down Tonight,'' KC and the Sunshine Band.
    1977- Supertramp's  "Give a Little Bit" peaks at #15 on the pop singles chart while Crosby, Stills and Nash's "Just A Song Before I Go" peaks at #7.
    1977 – Jackson Browne releases “Runnin’ on Empty”. 
    1977: Jimmy Buffett marries his second wife, Jane Slagsvol of Columbia, SC, who had co-written two of his songs, "Something So Feminine About A Mandolin" and "Kick It In Second Wind." They remain married today.
    1978 - Top Hits
“Grease” - Frankie Valli
“Miss You” - The Rolling Stones
“Boogie Oogie Oogie” - A Taste of Honey
“Talking in Your Sleep” - Crystal Gayle
    1981 - Divers probing the wreckage of the luxury cruise ship "Andrea Doria" recovered two safes from the purser's office. The "Andrea Doria" sank in a collision with the Swedish liner "Stockholm" on July 25, 1956, off Nantucket. What was in the safes? Oh, only about a million dollars in cash and jewelry.
    1981 - National Centers for Disease Control announces high incidence of Pneumocystis & Kaposi's sarcoma in gay men
    1982 - Oakland Athletics outfielder Rickey Henderson stole his 119th base of the season in a game against the Milwaukee Brewers, thereby breaking Lou Brock's major league record for most stolen bases in one season set in 1974. Henderson added three more steals in the game, which Oakland lost, 5-4.
    1982 - Crosby, Stills & Nash's "Daylight Again," the group's first album since the 1977 "CSN," is certified gold. On the album is the current Top 20 tune "Wasted on the Way."
    1984 - The Menetta Lane Theatre in Greenwich Village opened. It was the first new off-Broadway theatre to be built in 50 years in New York City. The ribbon cutting was done by "America's First Lady of the Stage", Helen Hayes.
    1984 - A new face joined the group of journalists on CBS-TV's "60 Minutes". Diane Sawyer became the fifth reporter on the top-rated TV newsmagazine. Mike Wallace, Morley Safer, Harry Reasoner and Ed Bradley welcomed Sawyer to the show.
    1986 - Top Hits
“Papa Don't Preach” - Madonna
“Higher Love” - Steve Winwood
“Venus” - Bananarama
“Strong Heart”- T.G. Sheppard
    1986 - Nolan Ryan of the Houston Astros notched career win #250, by leading the Astros to a 7-1 victory over the Chicago Cubs.
    1987 - Paul Molitor's 39-game hit streak comes to an end as he waits in the on-deck circle watching pinch hitter Rick Manning single home the winning run in a 1-0, 10-inning victory over the Indians.
    1987 - No. 1 Billboard Pop Hit:  “La Bamba,'' Los Lobos. Ritchie Valens hit No. 22 with the song in 1959 just one day before he died in the same plane crash that killed Buddy Holly and the Big Bopper. The Los Lobos version of “La Bamba'' was recorded for the film of the same name with Lou Diamond Phillips in the lead role.
    1987 - Washington D.C. soared to a record hot 100 degrees, while clouds and rain to the north kept temperature readings in the 50s in central and southeastern New York State.
    1988 - Elton John's "I Don't Want To Go On With You Like That" peaks at #2 on the pop singles chart while Pat Benatar's "All Fired Up" peaks at #19.
    1989 - Chuck Berry performs Johnny B Goode for NASA engineers and scientists in celebration of Voyager II's encounter with the planet Neptune.
    1997 - In honor of first baseman Jim Thome's birthday, the Indians begin pulling up their socks to just below the knees. The Tribe will win 17 of 27 games en route to clinching American League East flag while sporting this new look.
    1998 - Top Hits
“The Boy Is Mine”- Brandy
“The First Night”- Monica
“Crush”-Jennifer Paige
    2001 - Joining Babe Ruth (1920 -21 and 1927-28) and Mark McGwire (1996-99), Sammy Sosa (1997-2001) becomes the third player in baseball history to hit 50 homers in a season four times.  Babe didn’t have any help!
    2002 - The first video streaming coverage of a major league baseball game takes place on the internet. Approximately 30,000 fans visit to see the Yankees defeat the Rangers, 10-3.
    2003 – Mars makes is closest pass to Earth, in nearly 60,000 years, passing 34,646,418 miles (55,758,005 km) distant.
    2003 – Singer Janis Ian marries her girlfriend, Nashville defense lawyer Patricia Snyder, in Toronto, Canada where gay marriages are legal.
      2006 - Barry Manilow's TV special “Barry Manilow: Music and Passion” was presented with an Emmy Award for Best Individual Variety Performance. The following day Manilow underwent surgery to repair torn cartilage in both hips and faced a six week recovery.
    2006 – Comair flight 5191 crashes on takeoff from Lexington, KY Blue Grass Airport, killing 49.



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