Add me to mailing list | Change email  Search
Advertising | All Lists | Archives | Classified Ads | This Day In American History

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

Senior Credit Analyst

Choose Location
Anaheim, CA, Tigard, OR, Federal Way, WA

Middle Market Credits $500,000 to $5MM
including Equipment Leases and Financings
and Recourse and Non-recourse Lines of Credit
-Five or More Years Credit Underwriting Exp.
Some Relocation Provided
click here for more information

Financial Pacific Leasing - Commercial
A subsidiary of Umpqua Bank

Friday, August 21, 2015

Today's Equipment Leasing Headlines

Leasing News Bulletin Board Update
Hawkins Counter Sues $50,000 Judgement
From Complaint Posted November 28, 2012 (1)
Top Stories  August 17 - August 21
(Opened Most by Readers)
Wow! California SB 197 Major Changes!
Looks Like a Very Smart Leasing Attorney Got Involved
    by Christopher Menkin
Position Wanted –Credit
Work Remotely or Relocate for Right Opportunity
“Wants to work in bank in credit capacity”
Career Crossroad---By Emily Fitzpatrick/RII
Leasing Industry Ads---Help Wanted
Ascentium Capital/Umpqua Bank
Place a Help Wanted Ad
The Information and Cost
Leasing 102 by Mr. Terry Winders, CLFP
  Personal Guarantees
Equipment Leasing Books
Credit unions adding branches to satisfy demand
  SNL Finance Exclusive Report
Immigrants Are Sending Billions Home Each Year
  Mobile Growing, but Banks Dominate Sending Industry
Hotel Wi-Fi: Weigh the risk
  Also Applies to all Public WiFi
  Sacramento, California Adopt-a-Dog
NAELB’s 2015 Eastern Regional Is A Can’t Miss!
And NAELB’s making an offer you just can’t refuse…

News Briefs---
Ex-bank president jailed for scamming bailout program
  Gets Reduced Sentence to 30 Months for Cooperating
50 Companies That May Be the Next Start-Up Unicorns
131 start-ups boasting $1 Billion Valuation
New generation of young farmers increasingly
  college educated, but indebted

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 a copy of Leasing News to a colleague and ask them
to subscribe. It’s easy. All they have to do is put “subscribe” in
the subject line and email:



Leasing News Bulletin Board Update
Hawkins Counter Sues $50,000 Judgement
From Complaint Posted November 28, 2012 (1)

Jason R. Good and Good, Inc. won a $52,832.88 judgement against Dallin B. Hawkins dba Integrity Financial Groups, an individual, April 16, 2013. (2) It took until April 18, 2015 to serve him, as Dallin Hawkins has moved several times and evidently no longer has a separate physical office. Reportedly he was served in his parole officer's office, where he is on probation for the several DUI's he was also convicted in Utah.

A bench warrant was authorized for him to appear. He did not, but late afternoon called the law office of Stephen B. Elggren, PC, Sandy, Utah, who was representing Good. He reportedly answered questions, also alleging that he works for Integrity Financial on a commission basis. Late the same afternoon, he showed up at the Elggren's law office with a claim for $25,000 in damages against Good, Inc., therefore considered a counterclaim.

The countersuit basically concerned an attempt by representatives
of Mr. Good to obtain the $25,000 deposit from Dallin Hawkins (3). An exhibit to the document contained a Murray City Police Incident Report dated 9/28/12 (4).

Marty Hughes, President, Surf City Saw dba SCS Inc., Huntington Beach, California, told Leasing News he is waiting to see what happens, as he would like take Dallin Hawkins to small claims court regarding the return of a deposit of $3,800. (5)

There may be others also interested in the outcome of Jason R. Good's judgement and response to the counterclaim.

(1) November 28, 2012

(2) Clark County Judgment

(3) Motion to Set Aside Judgement

(4) Murray City Police Incident Report

(5) Surf City Saw Complaint


Top Stories  August 17 - August 21
(Opened Most by Readers)

(1) OnDeck Capital Hit with Several Law Suits
   Regarding Alleged Misstatements of Profitability

(2) Apple Moves to Direct Financing
       Leasing News Exclusive

(3) Archives: August 17, 2001 Heller Financial Corporation
     “GE to close Heller by September First”

(4) President of EAR Sentenced
          Gets Five Years Plus

(5) How Many Types of Leases?
  More than Three!

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

(7)  Leasing 102 by Mr. Terry Winders, CLFP
       Are Your Sales People Happy

(8) Leasing Portals
   (Business to Business including Finance/Leasing)

(8) Data Analytic Online Lenders/Our Next Industry Meltdown
  Fed Chair Asks Cobra Capital for a Survey

(Tie) (10) California SB 197 Status
  Ordered to Third Reading

(Tie) (10) Farmer’s Almanac winter forecast is grim;
   Pacific NorthWest to be Hit Hard



Wow! California SB 197 Major Changes!
Looks Like a Very Smart Leasing Attorney Got Involved
by Christopher Menkin

Several sections were amended in the California Assembly, and sent back to the Senate Committee on Banking and Finance.  A major bank, finance, and leasing attorney told Leasing News:" If the funders are permitted to pay a commission to an unlicensed broker, this will encourage the non-licensing of brokers.  We should be encouraging brokers to be licensed, not the other way around."

These amendments aim the bill squarely at nonprofessionals who do not need to be licensed to make a referral and receive a commission. It certainly makes the licensee have more responsibilities and open
for any misrepresentation they make or the referrer makes.

It also may affect those unlicensed, to be determined it appears by the
Commissioner, who also may have had input on the amendments.
It may restrict the advertising and negotiating ability of non-licensed
individuals who work for a non-licensed company.

First, one of the defining changes is the law now does not cover companies, but "a person that is not licensed pursuant to this division."  It then makes the “individual” libel rather than the company itself, in my view. The notification to the borrower, or lessee, if Capital Lease, remains the same, meaning a letter is written that they are receiving a commission and the licensee must keep records of this for a yearly audit.

Also added, "The bill would make a licensee liable for any misrepresentation made to a borrower in connection with a loan made to that borrower by that licensee. The bill would authorize the commissioner to adopt regulations imposing conditions on this referral activity, as specified.” This is very important, as the strongest changes then put the burden on the licensee as well as the referrer.

“The bill would prohibit any person receiving compensation in connection with a referral that leads to the consummation of a commercial loan from engaging in specified acts and would authorize the commissioner to order this person to desist and refrain from engaging in the business or further violating those provisions governing such referral.”

“A licensee shall be liable for any misrepresentation made to a borrower in connection with a loan made to that borrower by that licensee.”

The strongest changes appear to be: “The following activities by an unlicensed person are not authorized by this section…

“1) Participating in any loan negotiation.

(2) Counseling or advising the borrower about a loan.

(3) Participating in the preparation of any loan documents, including credit applications.

(4) Contacting the licensee on behalf of the borrower other than to refer the borrower.

(5) Gathering loan documentation from the borrower or delivering the documentation to the licensee.

(6) Communicating lending decisions or inquiries to the borrower.

(7) Participating in establishing any sales literature or marketing materials.

(8) Obtaining the borrower’s signature on documents.

(d) The commissioner may adopt regulations under this section to impose conditions on the referral activity authorized under this section. The commissioner may classify persons, loans, loan terms, referral methods, and other matters within his or her jurisdiction, and may prescribe different requirements for different classes of loans.”

There are some other amendments.  Enclosed is the latest comparison of the proposal law:




Position Wanted –Credit
Work Remotely or Relocate for Right Opportunity

Each Week Leasing News is pleased, as a service to its readership, to offer completely free ads placed by candidates for jobs in the industry.  These ads also can be accessed directly on the website at:

Each ad is limited to (100) words and ads repeat for up to 6 months unless the candidate tells us to stop. Your submissions should be received here by the end of each week.

Please encourage friends and colleagues to take advantage of this service, including recent graduates and others interested in leasing and related careers. 

Will relocate for the right opportunity and can work remotely. I have (25+) years in making credit decisions, as well as helping sales team and third party originators close more transactions via understanding their applicant's financial abilities. I can create alternative or additional opportunities (and income) by knowing which type of loan is best for the borrower

Orlando, Florida
As a Commercial Credit Analyst/Underwriter, I have evaluated transactions from sole proprietorships to listed companies, across a broad spectrum of industries, embracing a multitude of asset types. Sound understanding of balance sheet, income statement and cash flow dynamics which impact credit decisions. Strong appreciation for credit/asset risk.
407 430-3917


(Leasing News provides this ad as a trade for appraisals and equipment valuations provided by Ed Castagna)


Wants to work in bank in credit capacity”
Career Crossroad---By Emily Fitzpatrick/RII

Question: I have been in credit throughout my career with non-banking institutions. I am currently interested in getting into a credit role with a bank. So far, I have not been successful in even securing an interview! Can you provide some insight?
Answer: Typically, someone interested in the banking industry has determined this early in their career and have worked themselves up the ladder; often beginning as an intern and/or through a training program.
Banks are typically looking for:

    • Candidates that have been formally bank-credit trainee
    • Candidates that possess a bachelor’s degree (a master’s degree is a plus!)
    • Candidates that are continuously being educated/certified in credit/risk policies, etc...
    • Candidates that have been in a credit/risk role dealing with the same business products and services that the bank does (e.g. commercial credit, consumer credit, mortgage lending, collections, etc…) In other words, banks have certain niches in which they specialize in and/or have many divisions/business units/subsidiaries that specialize in various products and services – they want Candidates that have credit experience with those types of products

If you do not meet any of the above criteria and are not new to the workforce:

  • take some junior college courses on credit/banking
  • work for a finance or thrift company
  • work in collections or business approving accounts

Education is the key as it develops a well-rounded personality and increases your knowledge and creativity.
It is not an impossible feat; however, you will be competing with many that do meet their requirements. Be ready to present a compelling reason why you would be someone to consider for the role!

Emily Fitzpatrick
Sr. Recruiter
Recruiters International, Inc.
Phone:  954-885-9241
Cell:  954-612-0567
Invite me to Connect on LinkedIn
Also follow us on Twitter #RIIINFO

Career Crossroads Previous Columns


Leasing Industry Ads---Help Wanted
Several Positions Available

Senior Credit Analyst

Choose Location
Anaheim, CA, Tigard, OR, Federal Way, WA

Middle Market Credits $500,000 to $5MM
including Equipment Leases and Financings
and Recourse and Non-recourse Lines of Credit
-Five or More Years Credit Underwriting Exp.
Some Relocation Provided
click here for more information

Financial Pacific Leasing - Commercial
A subsidiary of Umpqua Bank


For information on placing a help wanted ad, please click here:

Please see our Job Wanted section for possible new employees.


Place a Help Wanted Ad
The Information and Cost

Leasing News Reaches Your Audience!

The idea is to attract an applicant to learn more, either to click to a full description on your web site or to a full job description attachment (free, no charge). The ad also can advertise the abilities of your company.

The ad will appear at the top of Leasing News edition as well as on the web site, which section also is reproduced in the news edition. Your ad is also in the section of News Briefs, often the second most read area of the news edition. The above the masthead is also shared on a rotational basis with the other employment ads. Your ad often appears twice in each news edition.

You can have a brief ad which clicks to a full description and/or email address.


Logo on top is free, as well as the web address and information about the address at the bottom. Lines are $595 for the first four and $40 for each additional line or space. The ad will appear for 21 days. For returning advertisers during the year, Leasing News offers 30 days and a reduced rate.


Leasing News reserve the right to refuse advertising,
particularly to a company that has appeared in the complaint bulletin board or evergreen abuse list.


(Terry retired January 1, 2015.  To honor him and his many years of writing for readers of Leasing News, is repeating several of his columns that are still meaningful today. Here is November 20, 2006.)

Personal Guarantees

One of the hardest requirements for lease salespersons to deal with is requesting personal guarantees. Usually, but not always, it is because you need to add additional strength to the credit decision. On some occasions, it is because the language it a lease agreement does not allow for additional collateral, down payments, or loan covenants and you need additional protection. This is especially true in companies with a limited or small group of owners. If ownership is vested in a small group, they have the ability to make all kinds of decisions that may leave you holding the bag if business begins to go south.

One of the most effective ways a lease has to compete with loans, that have the ability to require down payments or other credit enhancements, is to request a personal guarantee. 

This guarantee allows you to litigate the individual in addition to the business. This puts all the guarantors’ personal assets at risk to cover any short fall after the equipment has been repossessed and sold. However, understanding the requirements of each State is important because some States require you to complete litigation against the company prior to requiring the guarantor to step up to the plate. In these States, the use of “Co- Lessee” is preferable, over a guarantor, so you can request past due payments and shortfalls immediately.

Requesting a guarantee usually sounds like you do not believe the business can live up to the agreement and some lessees take offence to the request so the approach is very critical. One way is to explain that you want them to have complete freedom to manage their business assets without interference, so if they give you a guarantee they can move assets and cash in any manner they wish. Most loans require loan covenants or indentures in companies with tight cash or limited ownership. All you need is a personal guarantee to back up the success of the company.

Previous #102 Columns:





Equipment Leasing Books


Scott A. Wheeler, CLFP, a thirty-four year veteran in the commercial equipment leasing and finance industry, has compiled his favorite sales tips into an easy-to-read format for veteran and novice commercial equipment leasing and finance professionals.

"'Call to Action,' 134 pages, is designed to assist individuals to think outside of their current comfort zone, to increase their productivity, and to enhance their personal value proposition," Scott Wheeler explains. "Each chapter in this book touches upon a significant area in the finance and leasing industry. The sales tips are followed by call to action exercises to stimulate group discussions and individual reflection.

"Professionals throughout the equipment finance and leasing industry will benefit greatly from using this book as a reference guide and workbook for self-improvement."

$19.95 at Amazon

A portion of each sale will be donated to the Chris Walker Educational Fund – dedicated to the education of professionals in the commercial equipment leasing and finance industry.

Scott is a well-known author for several leasing publications, including Leasing News, plus issues a weekly newsletter as well as conducts a school for training entrepreneurs to become independent leasing brokers.

Scott A. Wheeler, CLFP
Wheeler Business Consulting
1314 Marquis Ct.
Fallston, Maryland 21047
Phone: 410 877 0428
Fax: 410 877 8161

Unstoppable: The Story of Asset-based Finance
and Leasing in Canada

Hugh Swandel, Senior Managing Director-Canada, The Alta Group, recommends "Unstoppable: The Story of Asset-based Finance and Leasing in Canada."

Published September 9, 2014 it is available in Kindle
at CDN$9.99 or Hardcover CDN$25.99.

"Unstoppable tells the previously untold story of a business that has grown to be the largest source of debt financing to Canadian consumers outside of the traditional bank loan. This book covers the rollercoaster ride of asset-based finance, now a $300 billion business, through interviews with business trailblazers such as Jim Pattison and Steve Hudson, who led the industry for the past half century. It is an entertaining and personal business history that will inspire both students of business history and entrepreneurs alike. Unstoppable shows how this form of finance helped to grow Canada’s former industrial economy."

Special Study for Corporate Counsel on Equipment Leases,
2014 ed.

by Alan Gutterman  (2014)
Author | Attorney and Business Counselor

Special Study for Corporate Counsel on Equipment Leases helps counsel negotiate and document equipment lease agreements for companies that choose to lease rather than purchase equipment.

 Book with CD-ROM  $390.00 Thomson Reuters


The Successful Equipment Lease Broker
by Joshua Fant (December, 2010)

He is a real estate broker in the Greater Seattle area.
He was a leasing broker from January, 1999 to August, 2005.
Book may be dated. 14 day return policy (also to their book store).

$39.95 Barnes & Noble


Start Your Own Leasing Company!
By Paul Sutton (2014)  111 pages-Fourth edition.

Company appears to have a collection of “how to”
books. They have return policy for printed books only.
Book: $44.95   Download $19.46


The Certified Lease & Finance Professionals' Handbook
Authored by Certified Lease & Finance Professionals

Raising the standards of the Equipment Leasing and Financing Industry through continued education, testing and conduct.

Edition: 4 (Feb 04, 2015)  $59.96


Equipment Leasing
Publisher: Matthew Bender
Three Volume Set; loose leaf; updated with revisions
Updated Yearly
$1,333 Print
$1,177 eBook
(with yearly up-date savings plan)


Credit unions adding branches to satisfy demand
SNL Finance Exclusive Report
By Ken McCarthy and Tahir Ali

The total number of credit union branches across the U.S. is on the rise for the second consecutive year after declines in the previous two years.

As of July 30, there were 27 more branches opened than closed in the U.S in 2015. In 2012 and 2013 combined the industry lost a net of 241 branches, an SNL analysis found.

One of those credit unions adding branches of late is United Federal Credit Union. The company has a net gain of six branches thus far in 2015 after its branch count was flat last year. Stacy Fillmore, vice president of national sales and service for United Federal, told SNL the recent growth is being driven by membership requests. She added that future growth will not be limited to stand-alone buildings. In 2015, United Federal added two in-store branches — one in Nevada and one in Arkansas — inside Wal-Mart SuperCenters. The heavy customer traffic in those locations allows the company a chance to add more members, she said.

Michigan is fifth in the country in terms of the number of total credit union branches with 1,026, according to SNL data. Fillmore said St. Joseph, Mich.-based United Federal is always looking at what the competition is doing while at the same time surveying its members to gauge their wants and needs. "We want to be competitive and convenient," she said. "Of course, we're always watching the industry and our competitors, but more than anything we depend on our own research."

Ancin Cooley, principal with Synergy Bank Consulting Inc. in Elgin, Ill., told SNL that banks tend to use branching as a part of a larger deposit growth strategy whereas small credit unions use additional branches to grow their brand and establish better footing in the communities they serve. Credit unions tend to operate and thrive better in situations with diverse socio-economic conditions, he said.

As the cost of delivering mobile transaction solutions declines, both banks and credit unions will be able to offer the same technology solutions to their customers and/or members, Cooley said. He believes the companies that are shedding branches because they think mobile is the wave of the future are missing the benefits of having a physical presence. "I deal with Apple primarily through my phone for small stuff like buying new music or paying for subscriptions. However, when I need something fixed or I need to make a big purchase I go to the store," he said.

Pablo DeFilippi, vice president of membership and business development for the National Federation of Community Development Credit Unions, told SNL that as of year-end 2014, community development CUs reported having 914 branches, which represented a year-over-year net increase of 61. He said CDCUs tend to be much more "high touch" than their mainstream counterparts — both credit unions and banks — and as a result, maintaining or expanding their footprints is a big part of the business model.

"CDCUs are exploring innovative strategies to expand their presence in [low-to-moderate income] markets, such as partnering with community-based organizations to share space and provide access to their clients on site," he said. "Some are also working with local governments to embed their services in social services hubs."

Fillmore said United Federal has plans to expand its branch footprint further. She said the company has had three ground-breakings so far this year with more in the pipeline. She pointed specifically to Nevada, where the credit union has been focused on the Carson City and Reno markets. The company is also looking for an expanded presence in Arkansas and North Carolina, and reviewing branch locations in its home state of Michigan to ensure its current sites provide customer convenience, she said.

In terms of the size of the new branches, Fillmore said it always comes down to the market and the specific location. For example, in Springdale, Ark. the company decided to branch in the Wal-Mart store due to the heavy foot traffic it experiences. "We didn't feel that we needed a large branch in that market," she said.

Minnesota has seen the most net openings so far this year with eight more branches opened than closed. On the flip side, Pennsylvania has 10 fewer branches now than it started with at the beginning of 2015. Texas, which has more credit unions than any state in the country with 1,632, has experienced a net gain of four branches in 2015.

Fillmore said even with the advent of new technology, the credit union has found that many of its members prefer face-to-face transactions. "In some of our branches, transaction volume is actually increasing, and very few are decreasing," she said. "But most of our membership uses multiple channels."

Cooley believes that Florida and other Southeastern states will continue to see more branches built purely due to demographics and the "snow-bird effect." Florida saw net growth of 18 credit union branches in 2014 and six already this year, the SNL analysis found.

Cooley said he has found that people do not do business with a bank or credit union but instead with "that nice customer service person named Gladys or John" that has been helping them for 20 or 30 years. "The data may suggest that millennials don't like going into branches, but I'd say as they get older and life happens they are going to want a familiar face," he said.




Immigrants Are Sending Billions Home Each Year
Mobile Growing, but Banks Dominate Sending Industry

by Evan Bakker,

Over the past few centuries, the world has become increasingly globalized. Immigrants are pouring into developed countries like the US, where many jobs pay higher rates than in their home markets.

As migrants shuffle around the globe, they have family members and friends back home who they continue to support through cross-border money transfers, called remittances.

Three remittance companies — Western Union, MoneyGram, and Ria — have dominated this market for years, operating a combined 1.1 million retail locations across 200 countries to facilitate cash pickups. However, digital-first players are emerging, leveraging mobile and online platforms to compete with the legacy firms on scale and fees. Fees remain a huge pain point for migrants sending money home, and offering lower fees gives startups a huge advantage.

Banks actually dominate the remittance market, while MTOs, including Western Union and MoneyGram, have about half as much market share as financial institutions.

Digital-first MTOs use mobile and online channels to send money, bypassing costly agent-send networks. They also use more efficient and cost-effective computer modeling to meet compliance standards.



Hotel Wi-Fi: Weigh the risk
Also Applies to all Public Wi-Fi

by Carol Kando-Pineda
Counsel, Division of Consumer & Business Education, FTC

When you travel, have you used your hotel’s Wi-Fi – maybe to pay a few bills or catch up on a report you need to read? You may want to think twice before logging in to accounts over hotel Wi-Fi. Hackers are using security vulnerabilities in hotel Wi-Fi to steal people’s passwords and other sensitive information. Here’s how it works: as a hotel guest, you try to get online using their Wi-Fi network and get a pop-up for a software update. But the network has been compromised. When you click to accept the download, you unknowingly load software designed to damage your computer or steal your information.

During your next hotel stay, consider whether you absolutely must share your login info over the Wi-Fi network. Weigh for yourself whether it’s worth the risk. If you decide to use a public network, take precautions:

When using a public Wi-Fi network, log in or send personal information only to websites you know are fully encrypted. Look for https in the web address – the “s” stand for secure. To be safe, your entire visit to each site should be encrypted – from the time you log in to the site until you log out. If you think you’re logged in to an encrypted site but find yourself on an unencrypted page, log out right away.

Don’t stay permanently signed in to accounts. When you’ve finished using an account, log out.

Do not use the same password on different websites. It could give someone who gains access to one of your accounts access to many of your accounts.

Many web browsers alert users who try to visit fraudulent websites or download malicious programs. Pay attention to these warnings, and keep your browser and security software up-to-date.

Some Wi-Fi networks use encryption: WPA2 is the strongest.

If you regularly need to access online accounts through public Wi-Fi networks, you may want to use a virtual private network (VPN). VPNs encrypt traffic between your computer and the internet, even on unsecured networks. You can get a personal VPN account from a VPN service provider. Some organizations create VPNs to provide secure, remote access for their employees. What’s more, VPN options are available to encrypt information you send through mobile apps. If you work out of hotels frequently, you may want to obtain your own mobile hotspot, which encrypts traffic between your device and the Internet and uses the cellular network instead of public Wi-Fi.

Installing browser add-ons or plug-ins can help. For example, Force-TLS and HTTPS-Everywhere are free Firefox add-ons that force the browser to use encryption, if available, on popular websites that don’t normally encrypt.

Always delete the history of the browser, when finished, especially if using a hotel business computer.


Receivables Management LLC
John Kenny

• End of Lease Negotiations & Enforcement 
• Third-Party Commercial Collections | ph 315-866-1167

(Leasing News provides this ad as a trade for investigative
reporting provided by John Kenny)


Sacramento, California Adopt-a-Dog

The Havanese is the Natonal Dog of Cub
 and the country's only native breed
  (Havana + Havanese)

House Trained
Current on Vaccinations

“Trooper was one of 9 Havanese we rescued from a backyard breeder/hoarder. They were among 80+ dogs on the property who had been neglected. Despite their start in life, they have all shown to be super sweet dogs! Here is what his foster mom has to say about this cutie:

“Trooper is a smart, happy, playful boy who enjoys having a companion dog to romp around with. He likes going for walks and is nice and polite on a leash. He gets very attached to a favorite human and will happily follow his person from room to room. He can be slow to warm up to people but once he does he is sweet and affectionate. Because he had a rough start in life he is best suited for an experienced dog owner who has the time and patience to expose him to new places and situations which will help him continue to build his confidence.

The Havanese is a small, sturdy dog of immense charm. The native dog of Cuba, he is beloved as a friendly, intelligent and playful companion. He is slightly longer than tall, with a long, untrimmed, double coat. The Havanese has a short upper arm with moderate shoulder layback and a straight topline that rises slightly from the withers to the croup. The plumed tail is carried arched forward up over the back. The unique springy gait is a result of the breed's structure and playful, spirited personality. These characteristics of temperament, coat, structure and gait are essential to type.

The long, silky, wavy coat is practically non-shedding.The Havanese is trainable and intelligent and possesses a naturally affectionate temperament, which making the breed an ideal family pet. Although a toy dog, they remain energetic and require some form of daily exercise. The breed's non-shedding coat makes it suitable for allergy sufferers, but regular grooming is necessary to keep the coat in top condition.

“Please email right away if you would like to learn more about this dog......and visit our website to learn more about our rescue group. Adoption fees range from $150-$250 for dogs. THE DOGS SHOWN ON THE SITE ARE IN FOSTERCARE - WE DO NOT HAVE A SHELTER TO VISIT. EMAIL is the best way to reach us. We are a volunteer run, very small organization - so please be patient when waiting for a response, but feel free to check back in if you haven't heard from us in a day or so - thank you so much for considering a rescued pooch!”

Sacramento Independent Rescuers
Sacramento, CA 95838

Contact Form:


Adopt a Pet



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

NAELB’s 2015 Eastern Regional Is A Can’t Miss!
And NAELB’s making an offer you just can’t refuse…

PHILADELPHIA - NAELB events are great opportunities to learn the latest and best practices in Equipment Leasing and Financing.  At the 2015 Eastern Regional, September 11-12 at the Atlanta Marriott Marquis, you’ll meet with potential business partners, enjoy social activities, and experience all that Atlanta has to offer.

Speaking of offers:  NAELB will apply 50% of the Conference Registration Fee towards the cost of dues to join NAELB for any non-NAELB attendee that comes to the Eastern Regional Meeting and then joins NAELB within 30 days of the Conference. Leverage all the learning and contacts you gain with a full NAELB Membership (and all that comes with it) for a fraction of the cost!

 You just can’t miss the great education sessions this Conference offers. Recent additions to the lineup have made the program even more exciting and valuable. Here’s a look at the education sessions scheduled.

1:00 – 2:00 PM                   THE NAELB VALUE PROPOSITION
                                     Sheri Bancroft, Mike Parker and Pete Sawyer,
                                               NAELB Board Members

                                              Why be a member of the NAELB? How
                                                to get the maximum value from your

                               Scott Wheeler, Wheeler Business Consulting                                                  
The evolution of a broker business, to include one-man origination (sales organization), building a staff:  sales, operations and credit and moving from brokering to discounting to small internal portfolio. Thinking long term and building wealth, to include topics such as systems matter; providing value to all stakeholders; building a meaningful balance sheet; having a long-term strategy for all economic times; defining, establishing and solidifying the ‘Right Partners’

4:00 – 5:00 PM                   REAL WORLD MARKETING TACTICS
                                              Jacklynn Manning, Fora Financial

Learn relevant marketing techniques that you can put into practice today.  Discover how to get the most mileage out of your marketing efforts, with minimal cost.


1:00 – 2:00 PM            STATE OF THE INDUSTRY

Panel will include: Matt Evans, Marks & Associates, P.C., Brian Huey, LeaseSource Financial Services, Inc., Joe Leonard, Oakmont Capital Services, Mike Miller, NCMIC Finance Corporation, and Matt Mosley, Financial Pacific Leasing, Inc.


Panel will include: Chuck Brazier, TradeRiver USA (Supply Chain Finance), Beth Malin, Pinnacle Specialty Capital (Factoring and Purchase Order Finance), Jeff Schubert, RapidAdvance (Working Capital Loans) and Chris Mitchell, Hitachi Business Finance (Asset Based Lending)

This session will introduce the equipment professional to a myriad of alternative forms of financing and show how these products can benefit both the equipment finance professional and their clients. Each of the lenders on this panel has a different solution for helping a client’s cash flow. They will highlight opportunities for increasing the broker’s revenue and enhancing the overall client relationship by positioning the broker as a single source for all of their client’s financial needs, while simultaneously providing additional options to help close more equipment deals. Presenters will be given 10 minutes each to discuss the products in a purely informational format and ten minutes for questions will be provided.

                            FINANCIAL STATEMENTS
Chris Knauf, Knauf Consulting & Joe Upson, Heritage
  Global Capital

This session will provide comprehensive, educational information to assist you in closing more transactions by teaching you to prepare solid packages and submitting them to funders in formats that will better guarantee approvals. Topics will include help in identifying funder specialties, required documents and formats. The second portion of this session will provide detailed information to help you become more knowledgeable in analyzing financial statements.


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



News Briefs----

Ex-bank president jailed for scamming bailout program
  Gets Reduced Sentence to 30 Months for Cooperating 

50 Companies That May Be the Next Start-Up Unicorns

New generation of young farmers increasingly college educated, but indebted

Senior Credit Analyst

Choose Location
Anaheim, CA, Tigard, OR, Federal Way, WA

Middle Market Credits $500,000 to $5MM
including Equipment Leases and Financings
and Recourse and Non-recourse Lines of Credit
-Five or More Years Credit Underwriting Exp.
Some Relocation Provided
click here for more information

Financial Pacific Leasing - Commercial
A subsidiary of Umpqua Bank




--You May Have Missed It

Five myths about wildfires


SparkPeople--Live Healthier and Longer

Smarter Sips: Try These Low-Cal Beverages for Summer


Baseball Poem

Hammerin' Hank 
by D. Roger Martin © 

Published: 70 on the 70's (1979) 

You did it, Henry.
You took The Babe's untouchable record
and stuffed it in your pocket.
Not bad for a gangling
black kid from Mobile.
The TV cameras were set to roll,
the reporters were poised
and the stage was set
with you and Al Downing
in the multi-million dollar spotlight.
Your teammate, Tom House,
caught the home run ball in the bullpen,
which was good economics.
That could have been
and expensive ball to buy back.
"A black Babe Ruth," they said you were.

Now it's your record
that stands casting its shadow-
a distant target
for future sharpshooters,
probably as yet, unborn.
And doesn't it make you wonder, Henry,
if things have really changed
since Jackie Robinson
courageously showed the world
there was another color of man
who could play this game.
Will any of us live long enough
to hear some wise scribe say,
"Here's a kid who
really has a chance to be
a white Henry Aaron."



Sports Briefs----

Moore: Cowboys find little clarity at running back in snooze fest vs. 49ers

Loss of Nelson leaves the Packers scrambling

Raiders lose weather-interrupted exhibition to Vikings

Chargers keep Rivers clean in exhibition win

Giants’ Madison Bumgarner closing in on Babe Ruth’s home run total

49ers and Ticketmaster sued over claims of monopolizing ticket sales


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


California Nuts Briefs---

SF Bay Area adds 24,700 jobs in July

Packed planes boost tourism spending in Sonoma County

Another S.F. company leases in Oakland as migration intensifies

July was Earth's hottest month on record; scientists say climate change is worsening California drought


“Gimme that Wine”

Farewell to Clos Pepe

Free Mobile Wine Program

Wine Prices by vintage

US/International Wine Events

Leasing News Wine & Spirits Page


This Day in American History

     1675 - Catholic holy orders were conferred by Gabriel Diaz Vara Calderon, Bishop of Santiago de Cuba, on a visit to St. Augustine, FL. Minor orders were conferred on seven candidates.
(see age of missions: )
    1676 - The first court-martial in a colony was held in Newport, RI by Governor Walter Clarke, Deputy Governor John Crayton and their assistant, Edmund Calvary, who was the attorney general. Quanpen, a Native American sachem, also known as Sowagonish, was found guilty of participation in King Philip’s War against the colonists and ordered shot on August 26. Others who had participated in the war were sentenced to various penalties.
      1682 - The Duke of York awarded Englishman William Penn the three "lower counties" in the American colonies which later became the state of Delaware.
(Lower half of: )
    1718 - New Orleans was founded by French settlers from Canada and France. The Canadians generally brought their wives and families with them. French officers, however, usually younger sons of nobility, refused to marry below their rank, inspiring the plea of one of the early governors to France: “Send me wives for my Canadians, they are running in the woods after Indian girls.” Thus Cajuns were born. By the way, Creole meant “native”, born in Louisiana and has nothing to do with race.
    1781 - A small force of Pennsylvania militia was ambushed and overwhelmed by an American Indian group, which forced George Rogers Clark to abandon his attempt to attack Detroit.
    1814 - British forces invaded and raided Washington, DC for two days, burning the Capital, the president’s house and most other public buildings. President James Madison and other high US government officials fled to safety until British troops (not knowing the strength of their position as military is in disarray) departed the city two days later. They set the fires in retaliation for the American burning of the parliament building in York (Toronto), the capital of Upper Canada.
    1851 - The San Francisco Committee of Vigilance broke down the jailhouse doors, kidnapped the prisoners, and hanged Whittaker and McKenzie from the second story of the Committee's rooms. Sam Brannan addressed the crowd after the hangings.
    1853 - First potato chips prepared by Chef George Crum, Saratoga Springs, NY. Crum was a Native American/African-American chef at the Moon Lake Lodge resort in Saratoga Springs, New York, USA. French fries were popular at the restaurant and one day a diner complained that the fries were too thick. Although Crum made a thinner batch, the customer was sill unsatisfied. Crum finally made fries that were too thin to eat with a fork, hoping to annoy the extremely fussy customer. The customer, surprisingly enough, was happy - and potato chips were invented! Crum's chips were originally called Saratoga Chips and potato crunches. They were soon packaged and sold in New England.  Crum later opened his own restaurant. William Tappendon manufactured and marketed the chips in Cleveland, Ohio, in 1895. In the 1920s, the salesman Herman Lay sold potato chips to the southern USA (selling the chips from the trunk of his car). In 1926, Laura Scudder (who owned a potato chip factory in Monterey Park, California) invented a wax paper potato chip bag to keep the chips fresh and crunchy, making potato chips even more popular.
    1857 – The Panic of 1857 hit the United States, setting off one of the most severe economic crises in United States history.
    1858 – The Richmond Daily Dispatch reported 90 blacks were arrested for learning.
    1862 - The C.S.S. Alabama was commissioned at sea off Portugal's Azore Islands, beginning a career that would see over 60 Union merchant vessels sunk or destroyed by the Confederate raider. The ship was built in secret in the in Liverpool shipyards, and a diplomatic crisis between the US government and Britain ensued when the Union uncovered the ship's birth place.
    1869 - Cornelius Swarthout of Troy, NY, was issued a patent for a “waffle iron.”
    1887 – Harry Hooper (1887-1974) was born in Bell Station, CA.  Hooper played most of his 17 years with the Boston Red Sox and was inducted into the Baseball Hall of Fame in 1971.  With Duffy Lewis and Tris Speaker, they formed what many believe to be the greatest outfield in MLB history.
    1891 – Thomas Edison patented the motion picture camera
    1893 - Fire in the south of Chicago left 5,000 people homeless.
    1895 - Birthday of Carol Weiss King (1895-1952), attorney who specialized in outstanding legal briefs. Primarily a researcher, her briefs were argued by other attorneys before the U.S. Supreme Court in at least a dozen major cases that changed immigration laws and deportation regulations as well as the civil rights of those accused of criminal acts, such as the right of a fair trial before a fair jury in one of the Scottsboro Boys appeals.
        1904 – Wee Willie Keeler of the New York highlanders hit two inside-the-park HRs, helping defeat the St. Louis Browns, 9-1 at Hilltop Park in New York.
    1906 - A cloudburst deluged Guinea, VA, with more than nine inches of rain in just forty minutes.
    1907 – Christy Mathewson pitched for the third day in a row, beating the Pirates, 7-4, allowing just one hit over the last six innings.
    1908 – The New York Giants played a doubleheader, sweeping the Pirates.  In what many believe to be among the first electronic transmissions of a Major League game, the doubleheader was watched in New York on electric diamonds known as "Compton's Baseball Bulletin" at Madison Square Garden and the Gotham Theatre. Bulletins displayed all remaining games.
    1909 - Sax player Paul Webster (1909-66) birthday in Kansas City, MO.  Jazz Trumpeter in Jimmy Lunceford's orchestra 1935-43 and with Cab Calloway 1944-52.
    1912 - Parcel post service was authorized. Previously the weight limit of mail had been four pounds. The rates of the parcel post service depended upon the weight of the package and the distance traveled. This was a boon to mail order catalogues and to people living in the rural areas.
    1912 – New York City threw one of its famed ticker tape parades to honor US Olympians from the 1912 Olympics, among them Jim Thorpe.
    1912 – Alaska became an organized territory of the US.
    1916 – 21 year-old Babe Ruth fired his 7th shutout of the season, a three-hitter that beat the Tigers.
    1925 - Birthday of pianist Louis Teicher (1924-2008) composer of Ferrante and Teicher fame, in Wilkes-Barre, Pa.
    1932 - Amelia Earhart became the first woman to fly across the U.S. non-stop, from Los Angeles to Newark.
    1932 - Charles H. Calhoun, Sr. and Jr., at the third hole of the Washington Golf Club, Washington, GA, while playing with a foursome, both shot a hole in one.     
    1936 – President Franklin Roosevelt authorized the FBI to pursue fascists and communists.
    1938 – Virgil Trucks, future Major Leaguer, pitching for Andalusia of the Alabama-Florida League, struck out his 418th batter for the season, the record for organized baseball in the 20th century.
    1939 - Louis "Lepke" Buchalter, leader of Murder, Incorporated, turned himself in to New York City columnist Walter Winchell, who turned the underworld leader in to FBI Director J. Edgar Hoover.
    1943 - No. 1 Billboard Pop Hit:  “In the Blue of the Evening”, Tommy Dorsey Orchestra/Frank Sinatra.
    1944 – Germany’s Army by now has sustained 400,000 men killed, wounded or captured, plus 1,300 tanks, 1,500 artillery, and 3,500 aircraft destroyed.
    1945 - BACON, NICKY DANIEL, Medal of Honor
Rank and organization: Staff Sergeant, U.S. Army, Company B, 4th Battalion, 21st Infantry, 11th Infantry Brigade, Americal Division. Place and date: West of Tam Ky, Republic of Vietnam, 26 August 1968. Entered service at: Phoenix, Ariz. Born: 25 November 1945, Caraway, Ark. Citation: For conspicuous gallantry and intrepidity in action at the risk of his life above and beyond the call of duty. S/Sgt. Bacon distinguished himself while serving as a squad leader with the 1st Platoon, Company B, during an operation west of Tam Ky. When Company B came under fire from an enemy bunker line to the front, S/Sgt. Bacon quickly organized his men and led them forward in an assault. He advanced on a hostile bunker and destroyed it with grenades. As he did so, several fellow soldiers including the 1st Platoon leader, were struck by machine gun fire and fell wounded in an exposed position forward of the rest of the platoon. S/Sgt. Bacon immediately assumed command of the platoon and assaulted the hostile gun position, finally killing the enemy gun crew in a single-handed effort. When the 3d Platoon moved to S/Sgt. Bacon's location, its leader was also wounded. Without hesitation S/Sgt. Bacon took charge of the additional platoon and continued the fight. In the ensuing action he personally killed 4 more enemy soldiers and silenced an antitank weapon. Under his leadership and example, the members of both platoons accepted his authority without question. Continuing to ignore the intense hostile fire, he climbed up on the exposed deck of a tank and directed fire into the enemy position while several wounded men were evacuated. As a result of S/Sgt. Bacon's extraordinary efforts, his company was able to move forward, eliminate the enemy positions, and rescue the men trapped to the front. S/Sgt. Bacon's bravery at the risk of his life was in the highest traditions of the military service and reflects great credit upon himself, his unit, and the U.S. Army.
    1945 – Returning from combat in World War II, Cleveland’s Bob Feller attracted a home crowd of 46,477, who watched him strike out 12 and yield only four hits in a 4-2 win over Detroit’s ‘Prince’ Hal Newhouser. He will get nine starts during the remainder of the year, and his five wins will include a one-hitter and two 4-hitters. With the war now over, fans are clamoring for entertainment and it is clear Feller is still baseball's number one ticket seller.  
    1947 - Margaret Truman, daughter of U.S. President Harry S Truman, presented her first public concert. Margaret sang before 15,000 people at the Hollywood Bowl. The concert did not get great reviews. In fact, the critics didn’t like Margaret’s singing at all. And Margaret’s dad didn’t like the critics, and said so, from the White House.
    1949 - Birthday of American composer Stephen Paulus (1949-2014) in Summit, NJ.

    1949 – NATO was organized.
    1950 - President Harry Truman orders the Army to take over the railroads to stop a possible strike.
    1950 - Edith Spurlock Sampson (1898-1979), the first African-American delegate to the United Nations when she was appointed alternate delegate to the fifth General Assembly. Her first assignment, on September 28, 1950, was to the Social, Humanitarian and Cultural Committee.

    1950 - HANDRICH, MELVIN O., Medal of Honor
Rank and organization: Master Sergeant, U.S. Army, Company C, 5th Infantry Regiment. Place and date: Near Sobuk San Mountain, Korea, 25 and 26 August 1950. Entered service at: Manawa, Wis. Born: 26 January 1919, Manawa, Wis. G.O. No.: 60, 2 August 1951. Citation: M/Sgt. Handrich, Company C, distinguished himself by conspicuous gallantry and intrepidity above and beyond the call of duty in action. His company was engaged in repulsing an estimated 150 enemy who were threatening to overrun its position. Near midnight on 25 August, a hostile group over 100 strong attempted to infiltrate the company perimeter. M/Sgt. Handrich, despite the heavy enemy fire, voluntarily left the comparative safety of the defensive area and moved to a forward position where he could direct mortar and artillery fire upon the advancing enemy. He remained at this post for 8 hours directing fire against the enemy who often approached to within 50 feet of his position. Again, on the morning of 26 August, another strong hostile force made an attempt to overrun the company's position. With complete disregard for his safety, M/Sgt. Handrich rose to his feet and from this exposed position fired his rifle and directed mortar and artillery fire on the attackers. At the peak of this action he observed elements of his company preparing to withdraw. He perilously made his way across fire-swept terrain to the defense area where, by example and forceful leadership, he reorganized the men to continue the fight. During the action M/Sgt. Handrich was severely wounded. Refusing to take cover or be evacuated, he returned to his forward position and continued to direct the company's fire. Later a determined enemy attack overran M/Sgt. Handrich's position and he was mortally wounded. When the position was retaken, over 70 enemy dead were counted in the area he had so intrepidly defended. M/Sgt. Handrich's sustained personal bravery, consummate courage, and gallant self-sacrifice reflect untold glory upon himself and the heroic traditions of the military service.
    1951 - Top Hits
“Too Young” - Nat King Cole
“Because of You” - Tony Bennett
“My Truly, Truly Fair” - Guy Mitchell
“Hey, Good Lookin’” - Hank Williams
    1951 - St. Louis Browns owner Bill Veeck, one of baseball’s greatest showmen, allowed fans attending a game against the Philadelphia Athletics to participate in the strategy decisions normally made by the team’s manager. More than 1,000 fans were given cards reading ”YES” and “NO: and were asked to vote on what the Browns should do at various points in the game. It worked; St. Louis won, 5-3. With iPads, Andriods, and Wi-Fi, guess what Bill Veeck could do today.
    1951 – Returning from a demotion to the minors due to a severe lack of hitting, Mickey Mantle made his first appearance in a 2-0 Yankees win over the Indians.
    1954 – At the height of McCarthyism, President Eisenhower signed the Communist Control Act, outlawing the Communist Party.
    1956 - Little Richard plays the Cotton Club in Lubbock, TX, making an indelible impression on audience member Buddy Holly.
    1957 - The Dodgers use eight pitchers in one game tying a major league record. Johnny Podres gives up three home runs in the third including Hank Aaron's first grand slam.
    1957 - No. 1 Billboard Pop Hit:  “Tammy”, Debbie Reynolds. The song is featured in the film “Tammy and the Bachelor'' and is nominated for an Academy Award.
    1959 - A headline in Billboard reads, "Rock and Roll Ain't Ready For The Ol' Rockin' Chair Yet." The story says rock & roll was losing popularity a year ago, but the record buyers now like Elvis Presley, Fats Domino and Lloyd Price along with newcomers, the Drifters, Everly Brothers and Ricky Nelson.
    1959 - Phil Phillips' "Sea Of Love" hits #2 on the pop charts.
    1959 - Top Hits
“The Three Bells” - The Browns
“Sea of Love” - Phil Phillips
“Lavender-Blue” - Sammy Turner
“Waterloo” - Stonewall Jackson
    1959 - The Browns, who were Jim Brown and his sisters Maxine and Bonnie, had the top tune in the US with "The Three Bells". The record is an English version of a French song originally titled "Les Trois Cloches", written in 1945.
    1959 – In what would eventually lead to construction of Shea Stadium, in Queens, New York City Parks Commissioner Robert Moses allocated $150,000 for a preliminary study on building a stadium.
    1959 - Hiram L Fong was sworn in as the first Chinese-American senator while Daniel K Inouye was sworn in as the first Japanese-American Representative, both from Hawaii.
    1960 - Birthday of Calvin Edward “Cal” Ripken, Jr., former baseball player, born Havre de Grace, MD.
    1961 - No. 1 Billboard Pop Hit:  “Wooden Heart (Muss I Denn)'', Joe Dowell. The song is a cover of a song Elvis Presley sang in the film “G.I. Blues.''
    1961 – Satchel Paige, well into his 50’s, signed with Portland of the PCL. In 25 innings for the Beavers, he will have a 2.88 ERA.
    1963 - Little Stevie Wonder is the first artist to make the Number One position on the pop single chart, the pop albums chart and the R&B singles chart all at one time. In fact, nobody had made the pop single and album charts at the same time. The music from "Wonder World" is the album, "The Twelve Year- Old-Genius" and the single, "Fingertips, Part Two."
    1963 - The Little League World Series is televised for the first time. With ABC's Wide World of Sports providing coverage of the championship game, Grenada Hills (CA) beats Stratford (CT), 2-1.
    1963 - After a couple of flop singles for smaller record companies, The Ronettes scored their only Top Ten hit with their first effort for Phil Spector, "Be My Baby". None of their other records, including "Baby I Love You", "The Best Part of Breaking Up", "Walking In the Rain" and "Is This What I Get for Loving You?" could crack the US Top 20.
    1963 - Darlene Love's biggest solo hit, "Wait Til' My Bobby Gets Home" enters the Billboard chart, where it will top out at #26. She had greater success when she sang for The Crystals, The Blossoms and Bob B. Soxx and The Blue Jeans.
       1964 - Taking him up on his telegram invitation to help out in any way he can in America, Beatles manager Brian Epstein meets Elvis Presley manager "Colonel" Tom Parker for the first time when they have lunch at the Beverly Hills Hotel.
    1964 - "Where Did Our Love Go?" by the Supremes topped the charts and stayed there for 2 weeks.
    1966 - The U.S. premiere of the motion picture “Help!”, starring The Beatles, was held for thousands of moviegoers wanting to see the group’s first, color, motion picture. Their first film, “A Hard Day’s Night”, had been produced in black and white.
    1967 - Patti Harrison convinces her husband George and the rest of the Beatles to attend a lecture at the Park Lane Hilton given by Maharishi Mahesh Yogi. They go and send a note to him requesting a private audience. In the meeting, the Beatles offer themselves as disciples. He accepts and invites them to an indoctrination course for spiritual regeneration two days later. They attend along with Mick Jagger and his girlfriend Marianne Faithfull. Brian Epstein is invited but declines. Afterwards, John Lennon compares the experience as "going somewhere without your trousers."
    1967 - Top Hits
“All You Need is Love” - The Beatles
“Pleasant Valley Sunday” - The Monkees
“Baby I Love You” - Aretha Franklin
“I’ll Never Find Another You” - Sonny James
    1967 - Big Brother and the Holding Company, Bo Diddley, Bukka White, and Salvation Army Banned @ The San Francisco Avalon Ballroom
Original Poster by Bob Fried
    1967 - Keith Moon, drummer for the Who, drives his Lincoln Continental (not a Rolls Royce, as is often thought), into the swimming pool at the Holiday Inn in Flint, MI to celebrate his 21st birthday, earning the entire band a lifetime ban from the chain.
    1967 - DAY, GEORGE E., Medal of Honor
Rank and organization: Colonel (then Major), U.S. Air Force, Forward Air Controller Pilot of an F-100 aircraft. Place and date: North Vietnam, 26 August 1967. Entered service at: Sioux City, Iowa. Born: 24 February 1925, Sioux City, Iowa. Citation: On 26 August 1967, Col. Day was forced to eject from his aircraft over North Vietnam when it was hit by ground fire. His right arm was broken in 3 places, and his left knee was badly sprained. He was immediately captured by hostile forces and taken to a prison camp where he was interrogated and severely tortured. After causing the guards to relax their vigilance, Col. Day escaped into the jungle and began the trek toward South Vietnam. Despite injuries inflicted by fragments of a bomb or rocket, he continued southward surviving only on a few berries and uncooked frogs. He successfully evaded enemy patrols and reached the Ben Hai River, where he encountered U.S. artillery barrages. With the aid of a bamboo log float, Col. Day swam across the river and entered the demilitarized zone. Due to delirium, he lost his sense of direction and wandered aimlessly for several days. After several unsuccessful attempts to signal U.S. aircraft, he was ambushed and recaptured by the Viet Cong, sustaining gunshot wounds to his left hand and thigh. He was returned to the prison from which he had escaped and later was moved to Hanoi after giving his captors false information to questions put before him. Physically, Col. Day was totally debilitated and unable to perform even the simplest task for himself. Despite his many injuries, he continued to offer maximum resistance. His personal bravery in the face of deadly enemy pressure was significant in saving the lives of fellow aviators who were still flying against the enemy. Col. Day's conspicuous gallantry and intrepidity at the risk of his life above and beyond the call of duty are in keeping with the highest traditions of the U.S. Air Force and reflect great credit upon himself and the U.S. Armed Forces.
    1967 – Abbie Hoffman and the Yippies (Youth International party) temporarily disrupted trading at the NYSE by throwing dollar bills from the viewing gallery, causing trading to cease as brokers scrambled to grab them.
    1968 - Lightning struck the Crawford County fairgrounds in northwest Pennsylvania killing two persons and injuring 72 others.
    1968 - Steppenwolf's "Born To Be Wild" hits #2 on the pop chart.
    1969 - ANDERSON, RICHARD A., Medal of Honor
Rank and organization: Lance Corporal, U.S. Marine Corps, Company E, 3d Reconnaissance Battalion, 3d Marine Division. Place and date: Quang Tri Province, Republic of Vietnam, 24 August 1969. Entered service at: Houston, Tex. Born: 16 April 1948, Washington, D.C. Citation: For conspicuous gallantry and intrepidity at the risk of his life above and beyond the call of duty while serving as an assistant team leader with Company E, in connection with combat operations against an armed enemy. While conducting a patrol during the early morning hours L/Cpl. Anderson's reconnaissance team came under a heavy volume of automatic weapons and machine gun fire from a numerically superior and well concealed enemy force. Although painfully wounded in both legs and knocked to the ground during the initial moments of the fierce fire fight, L/Cpl. Anderson assumed a prone position and continued to deliver intense suppressive fire in an attempt to repulse the attackers. Moments later he was wounded a second time by an enemy soldier who had approached to within 8 feet of the team's position. Undaunted, he continued to pour a relentless stream of fire at the assaulting unit, even while a companion was treating his leg wounds. Observing an enemy grenade land between himself and the other marine, L/Cpl. Anderson immediately rolled over and covered the lethal weapon with his body, absorbing the full effects of the detonation. By his indomitable courage, inspiring initiative, and selfless devotion to duty, L/Cpl. Anderson was instrumental in saving several marines from serious injury or possible death. His actions were in keeping with the highest traditions of the Marine Corps and of the U.S. Naval Service. He gallantly gave his life in the service of his country.
By virtue of an act of Congress approved 24 August 1921, the Medal of Honor, emblem of highest ideals and virtues is bestowed in the name of the Congress of the United States upon the unknown American, typifying the gallantry and intrepidity, at the risk of life above and beyond the call of duty, of our beloved heroes who made the supreme sacrifice in the World War. They died in order that others might live (293.8, A.G:O.) (War Department General Orders, No. 59, 13 Dec. 1921, sec. I).     
    1969 - Three-day Wild West Festival at Kezar Stadium in Golden Gate Park, San Francisco with Janis Joplin, Turk Murphy, Jefferson Airplane, the Dead, Country Joe, Santana, Sly and the Family Stone and the Youngbloods.
    1969 - Arlo Guthrie's movie, “Alice's Restaurant” opens in New York and Los Angeles.
    1969 - John Lennon writes "Cold Turkey", a song about kicking his heroin addiction. He rehearsed the song all afternoon and recorded it that evening with the help of Ringo Starr and Klaus Voorman. When it was released, critics hated it and the BBC refused to play it, yet somehow it still made the UK Top 20 and the US Top 30.
    1970 - "Make It with You" by Bread topped the charts and stayed there for a week.
    1971 - Ernie Banks hits his final home run of his career as the Cubs beat the Reds, 5-4. Mr. Cub's 512th home run comes in the first inning off Jim McGlothlin.
    1971 - Illinois State Attorney Edward Hanrahan and 13 police officers and police officials are indicted on charges of conspiring to obstruct justice by attempting to thwart criminal prosecution of 8 Chicago patrolmen who raided the apartment of Fred Hampton. This follows August 21 when Panther George Jackson is killed in San Quentin prison during an abortive breakout attempt (three prisoners and three guards are killed in the attempt. Six prisoners are subsequently put on trial for the incident (Fleeta Drumgo, David Johnson, Hugo L.A. Pinell (Yogi), Luis Talamantez, Johnny Spain, and Willie Sundiata Tate). Spain was convicted of murder. The others were either acquitted or convicted of assault. In a side to this story: white attorney Stephen M. Bingham is officially charged with murder in deaths of 2 convicts and 3 guards at San Quentin. Bingham is charged with smuggling guns to George Jackson used in an August 21, 1971 San Quentin breakout attempt. Bingham subsequently flees the country, returning in 1984 to face charges. He was acquitted of murder and conspiracy in 1986.
    1973 - No. 1 Billboard Pop Hit:  “Brother Louie”, Stories.
    1974 - Santana's "Greatest Hits" LP enters the charts.
    1975 - Top Hits
“Fallin’ in Love” - Hamilton, Joe Frank & Reynolds
“One of These Nights” - Eagles
“Get Down Tonight” - K.C. & The Sunshine Band
“Rhinestone Cowboy” - Glen Campbell
    1975 - Los Angeles Dodger Davey Lopes set a major league baseball record when he stole his 38th consecutive base. It was in the 12th inning of a game against the Montreal Expos that Lopes got his famous steal. The Dodgers still lost in 14 innings, 5- 3.
    1978 - Bruce Springsteen appears on the cover of "Rolling Stone."
    1979 - The Cars perform at New York's Central Park for an audience of a half million people
    1981 - Mark David Chapman was sentenced from 20 years to life imprisonment for his self-admitted murder of former Beatle John Lennon.
    1985 - Huey Lewis and The News reached the top of the charts with "The Power of Love". The song spent 2 weeks at #1 on the "Billboard Hot 100".
    1983 - Top Hits
“Every Breath You Take” - The Police
“Sweet Dreams (Are Made of This)” - Eurythmics
“She Works Hard for the Money” - Donna Summer
“Love Song” - The Oak Ridge Boys
    1983 – The Orioles’’ Tippy Martinez picked off three runners in the 10th inning as the Blue Jays took long leads trying to take advantage of his new battery mate, Lenn Sakata, an infielder with no professional catching experience pressed into service behind the plate. The converted catcher got revenge as his three-run homer in the bottom of the frame won the game, 7-4.
    1985 - Dwight Gooden of the New York Mets became the youngest pitcher to win 20 games in a season. Gooden defeated the San Diego Padres, 9-3. He was 20 years, nine months and nine days old.
    1987 - Autumn-like weather prevailed across the north central and northeastern U.S. Seven cities reported record low temperatures for the date, including Saint Cloud, MN with a low of 37 degrees. Temperatures in Florida soared to 98 degrees at Pensacola and 99 degrees at Jacksonville. Thunderstorms produced heavy rain in the Southern High Plains Region, with 5.40 inches at Union, NM, and 7.25 inches reported west of Anthony, NM
    1987 - "Who's That Girl" by Madonna topped the charts and stayed there for a week
    1987 - Donny Osmond released "I'm In It For Love", his first single in 10 years. The record did not crack the Billboard Top 40, but Donny would be back with "Soldier of Love", which reached #2 in 1989.
    1989 - Pete Rose is banned from baseball for life by Commissioner Bart Giamatti for gambling, after weeks of legal wrangling.  Although the 5-page document signed by both parties includes no formal findings, Giamatti says that he considers Rose's acceptance of the ban to be a no-contest plea to the charges.  Rose was permitted to withdraw permanently from baseball rather than face further punishment.  Eight days later, Giamatti (b. 1938) died of a heart attack.
    1991 - Tom Petty and the Heartbreakers' "Learning to Fly" hits #28 on the pop singles chart.
    1991 - Top Hits
“(Everything I Do) I Do It for You” - Bryan Adams
“It Ain’t Over ’Til It’s Over” - Lanny Kravitz
“Fading Like a Flower (Every Time You Leave)” - Roxette
“You Know Me Better Than That” - George Strait
    1992 - "End of the Road (From Boomerang)" by Boyz II Men topped the charts and stayed there for 13 weeks.
    1992 – Hurricane Andrew, category 5, flattened Homestead, FL in one of the US’ worst.
    1996 - The New York Yankees dedicated a monument to the late Mickey Mantle at Monument Park in Yankee Stadium. The new monument joined three others honoring Babe Ruth, Lou Gehrig and Miller Huggins. Mantle died August 13, 1995.
    1999 - Mariner Ken Griffey Jr. joins Babe Ruth, Ralph Kiner, Duke Snider, Ernie Banks, Harmon Killebrew and Mark McGwire as the only players to hit 40 homers in four consecutive seasons.
    2006 – Hall of Famer Jerry Rice, according to ESPN, the greatest player in NFL history, officially retired after 21 years.
    2007 - Mark Lindsay of Paul Revere and the Raiders opens Mark Lindsay's Rock And Roll Cafe in his native Portland, OR.
    2008 - Scoring at least one run in every inning, Hawaii wins the Little League World Series beating Mexico, 12-3. To advance to the championship game, Waipahu scored six runs in the last inning (sixth), overcoming a four-run deficit, to beat Lake Charles, Louisiana in the semi-finals, 7-5.
    2011 – Suffering from the debilitating illness that would eventually take his life, Steve Jobs stepped down as Apple CEO in favor of Tim Cook.
    2014 - A 6.0 magnitude earthquake struck Napa, CA, the largest earthquake to strike northern California since the 1989 Loma Prieta quake.




The object is to insert the numbers in the boxes to satisfy only one condition: each row, column and 3x3 box must contain the digits 1 through 9 exactly once. What could be simpler?





Daily Puzzle

How to play:

Refresh for current date:






See USA map, click to specific area, no commercials



Traffic Live---

Real Time Traffic Information

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