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For more info click here

Bank of the Ozarks

Recognized as the top performing bank in the United States,
based on financial performance, five years in a row
(2011, 2012, 2013, 2014, and 2015).

Friday, August 19, 2016

Today's Equipment Leasing Headlines

Pat Roberts of M&R Leasing
  Passes Away
New Hires---Promotions in the Leasing Business
  and Related Industries
Leasing Industry Ads---Help Wanted
California: Ascentium Capital/Bank of Ozarks: Nationwide
Personalizing Your Online Experience
  FinTech #102 by Brittney Holcomb
It's Only Going to Get Harder for New Apps
   to Get Noticed - Chart
Five Biggest Small Business Loan Mistakes
Karen Sams, National Federation Independent Business
Leasing/Finance Conferences Schedule 2016
Hell or High Water/Pete's Dragon/High Rise
April & the Extraordinary World/Woman in the Dunes
Film/Digital/DVD Reviews by Fernando Croce
Labrador Retriever/Hound Mix
Littleton, Colorado  Adopt-a-Dog
Attorneys Who Specialize in
Banking, Finance, and Leasing
News Briefs---
Despite Global Economic Volatility,
   Small Business Borrowing Remains Strong
Federal Reserve Launches Facebook Page
  Now on Line
As mortgage rates stall,
 it's worth looking into getting rid of PMI
Avant Loses 30% of its Staff, Including CEO’s Wife;
  Here’s Why You Don’t Have to Worry
Michigan Unemployment Rate Dips to Lowest in 15 Years
  4.5 Percent in July
How Lending Club's Biggest Fanboy Uncovered Shady Loans
"If you knew where to look inside the loan co., things were worse..."
Calif. Judge Rejects Uber’s $100M Labor Deal With Drivers
$100M settlement drivers as contractors may not be enough
Lava From Hawaii Volcano Cascades Into Sea
"creating new land and stunning show for visitors"

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Pat Roberts of M&R Leasing
Passes Away

“Shiver me Timbers.”
   Western Association of Equipment Leasing Newsline, 1994
"It's hard to believe 9 years have passed and I'm still
plugging along writing leases.  What great memories of the past 25 years in UAEL and leasing!"
Leasing News, February 4, 2004


Once very active in The Western Association of Equipment Leasing, Pat Robert, operator of M&R Lasing, Lakewood, Colorado passed away. She was on the Board of Directors and often in the running to become the association's first female president. An obituary was not available at press time.


"There will be a Memorial Service for Pat on Friday August 26th at 11:00am, with a reception to immediately follow at the church:

A Grace Place Church
7462 S. Everett St.
Littleton, CO 80128

Gordon Roberts and Family"


New Hires---Promotions in the Leasing Business
and Related Industries

Brian Albach was hired as VP, Business Development, Bibby Financial Services USA, Greater Chicago area.  Previously, he was Vice President, Business Development Officer, The Park National Bank (January, 2016 – August, 2016); SVP, Regional Sales Manager, Republic Business Credit, LLC (January, 2011 – January, 2016); Senior Vice President, Sales & Marketing, Bibby Financial Services (January, 2006 – January, 2011); VP Sales, United Financial of Illinois (January, 2000 – July, 2005); Sales, Comdisco, (September, 1993 – September, 2000). Education: University of Illinois at Chicago, Bachelor of Science (B.S.), Marketing, Accounting (1992 – 1994).
Niles West High School.

Lynn Alstad was appointed President & CEO, Capella Equipment Finance, New York. Previously, she was Vice President-Relationship Manager, Bank Leumi Leasing Corporation (1998 – July, 2016); Senior Contract Specialist, GE Capital (1991 – 1998); Portfolio Program Manager,  JWP Credit Corporation (1986 – 1991); Leasing Operations Specialist, Oce Credit Corporation (1987 – 1990); Consultant, Drexel Burnham Lambert  (1985 – 1987).

Ken Andreozzi was hired as Senior Vice President, Wintrust Commercial Finance, part of Wintrust Financial, Frisco, Texas. He is based in Philadelphia, Pennsylvania.  Previously, he was Vice President of Sales, Mining Finance, People's Capital and Leasing Corp. (May, 2011 – July, 2016); SVP, GE Capital (March, 2008 – April, 2011); VP of Sales, Merrill Lynch Capital (2002 – 2008); VP of Sales, Transamerica (2001 – 2001); VP of Sales, Bell Atlantic TriCon Capital (1984 – 1994); VP of Sales, Bell Atlantic TriCon Capital (1984 – 1994). Education: Philadelphia University, Philadelphia University, BS, Business (1977 – 1981).

Jeff Appleton was hired as Vice President, Specialty Finance-Equipment and SBA Group, JPMorgan Chase & Co., Greater Atlanta area. Previously, he was Business Development Officer, Wells Fargo Bank (July, 2009 – December, 2014); Director, Bridge Finance Group (May, 2006 – November, 2008); Vice President, GE Capital, Siemens Financial, FINOVA, Ernst & Whinney (1982 – 2005). Education: Mercer University, Bachelor’s Degree (1977 – 1981) Activities and Societies: Lambda Chi Alpha, Mercer University, Bachelor's Degree, Biology-Accounting Minor (1977 – 1981).

Susan Baker was hired as Vice President, Underwriter, at Triumph Healthcare, Portland, Oregon. Previously, she was Examiner, Cascade Credit Svc (November, 2014 – August, 2016); Dental Portfolio Administrator, Pacific Continental Bank (November, 2012 – September, 2014); Portfolio Review Officer, US Bank (July, 2011 – December, 2012); VP AB Portfolio Specialist, Bank of America Business Capital (February, 2010 – November, 2010); Underwriter, US Bank (June, 2009 – February, 2010); VP, Sr. Underwriter, Textron Financial Corporation (November, 2004 – November, 2008); Underwriter, GMAC-RFC Health Capital (March, 2001 – August, 2004); AVP, Underwriter, OCAH (2000 – 2001); Education: George Fox University,
MBA, Management (1998 – 2000). University of Oregon, Charles H. Lundquist College of Business, BS, Accounting (1988 – 1992). Activities and Societies: Alpha Kappa Psi, David Douglas High School (1984 – 1988).

Patrick Ballard was hired as Sr. VP of Government Programs and Business Development, Vision Financial Group, Inc., Athens, Georgia. Previously, he was Commander (CEO-level Logistics, Supply Chain, Operations Manager, Project Management)
"I'm wondering if you could tell me if there is a resource for leasing trends in government spending? I just retired from the USAF and was hired by VFG ( to stand-up their government programs. Also, do you know if there are a lot of ELF businesses that have added a GSA Schedule to their portfolio?"  He can be reached at:
His biography and accomplishments can be found:

Fredric Fial was hired as Vice President at CG Commercial Finance Phoenix, Arizona.  Previously he was Senior Vice President Sales, Nations Equipment Finance (February, 2015 – June, 2016); Vice President, Western Alliance Equipment Finance (March, 2013 – January, 2015); Vice President, Western Alliance Equipment Finance (March, 2013 – January, 2015); Vice President, M&I Equipment Finance Company (December, 1987 – February, 2011); Assistant Vice President, United Bank of Arizona, Equipment Finance division
(November, 1984 – November, 1987); Senior Assistant-Operations Control, Greyhound Leasing & Financial Corp. (1982 – 1984). Organizations: Turnaround Management Association, Starting March, 2015. Education: Arizona State University, Master of Business Administration (MBA), Finance, General (1983 – 1987). Activities and Societies: Beta Gamma Sigma. Arizona State University, Bachelor of Science (BS), Finance, General (1976 – 1981). North Miami Beach Senior High, High School Diploma, General Studies (1972 – 1976).

Sabrina Freeman was hired as AVP, Commercial Portfolio Manager at Bridge Funding Group, Inc., BankUnited, Hunt Valley, Maryland.  Previously, she was Leasing Analyst at SunTrust Equipment Finance & Leasing Corp., SunTrust (August, 2011 – January, 2013) Business Operations Associate, TEKsystems (November, 2004 – January, 2011). Education: Strayer University-Maryland, MBA, Finance (2012 – 2014). Morgan State University, B.S, Business Administration (2001 – 2008).

Jack Lampert, CFA, was hired as Syndication Manager, SVP, Food and Beverage, City National Bank; based in Orange County, California. Previously, he was Senior Vice President, GE Capital Markets, Inc. (October 2001 – July 2016); Director of Capital Markets, Heller Financial (January, 2000 – October, 2001); Managing Director, Capital Markets, Fleet Bank / Bank of America (January, 1990 – January, 2000); Certifications: Chartered Financial Analyst, CFA Institute. Education: Chapman University, The George L. Argyros School of Business and Economics, MBA, Business Administration and Management, General (1982 – 1985). California State University-Long Beach - College of Business Administration, B.S., Finance (1981). Activities and Societies: SAE

Michael G. Magnusson was hired as CEO of AeroCentury. Previously, he served as President, Saab Aircraft Leasing (June, 2001- August, 2016).  He started with the company May, 1984 as Director of Marketing; promoted January, 1990, Onsite Manager; promoted, June, 1995, VP Marketing. Languages: Spanish, Swedish. Education: Royal Institute of Technology (Stockholm), Master's degree, Aerospace, Aeronautical and Astronautical Engineering (1975 – 1981). Associacion Escuelas Lincoln.

Jason Miles was promoted to Manager, Graybar Financial Services, St. Louis, Missouri.  He joined the firm in March, 1997 as Inside Sales Representative; promoted March, 1998, Regional Sales Manager; promoted, May, 2011, National Sales Manager. Education: Truman State University, Finance, Rutgers University. Lindenwood University Finance.

Randy Montrose, CLFP, was appointed Treasurer, Franklin Equipment, LLC, Groveport, Ohio. He remains as Senior Vice President of Skyjack Financial Services, Skyjack Inc. (April, 2011 – Present). Previously, he was President - Owner/Partner, Equipment Leasing Specialists, Inc. (May, 1987 – April, 2011); Account Executive, Congress Leasing (March, 1983 – April, 1985). Associations: Certified Lease & Finance Professional, CLFP Foundation (1994 – Present). Captive & Vendor Council Steering Committee Member, Equipment Leasing and Finance Association (October, 2014 – Present).

Olayinka “Ola” Sanusi was hired as Vice President Relationship Manager at Wintrust Commercial Finance (WCF), part of Wintrust Financial, Frisco, Texas."(He)...will be located in San Francisco focusing on direct originations in the west region. Previously, he was Vice President Relationship Manager, JPMorgan Chase & Co. (February, 2015 – August, 2016). He joined GE 2006 in the Information Technology Management Leadership Program; promoted September, 2007, Global IT Tax Leader; promoted, September, 2008, Corporate Audit Staff - Financial Associate Auditor; promoted, September, 2010, Corporate Audit Staff - Financial Audit Manager; promoted, October, 2011, Corporate Finance, Vice President.  Honors & Awards: GE Corporate Audit Staff Top Auditor Nomination (2009, 2010). Executive GE Corporate Audit Staff Top Auditor Award (NBCU, 2009). GE Plastics DBA Team of the Year (Infrastructure, 2006). Atlantic 10 Academic All- Conference Football. Education: University of Massachusetts, Bachelor’s Degree, Computer Systems Engineering, Minor in Business Management and Math. Activities and Societies: Varsity Football.

Kevin Schrader was hired as Senior Vice President, MB Business Capital, Vancouver, Washington. He is based in Portland, Oregon. “(He)… will source asset based lending opportunities for MB Business Capital in the Washington, Oregon and Idaho markets.” Previously he was at GE Capital where he joined the firm July, 2009 and worked his way up to Senior Vice President; promoted April, 2014, Managing Director. “Prior to GE, he originated new business at LaSalle Business Credit/Bank of America Business Capital. He has also held positions at Wells Fargo Capital Finance, Diversified Business Credit and Price Waterhouse. Kevin is a member of the Turnaround Management Association (TMA) and the Association for Corporate Growth (ACG). Schrader received his Bachelor of Science in Business from St. Paul Minnesota, University of St. Thomas.”

Benjamin "Ben” Steller, ASA, was hired as Vice President, Asset Management at Stonebriar Commercial Finance, Plano, Texas.  Previously, he was Managing Senior Appraiser, Great American Group (June, 2012 – July, 2016); VP North American Operations, Die Cast Machinery, LLC (February, 2012 – June, 2012. Education: University of Wisconsin-Milwaukee, Bachelor of Business Administration (BBA), Production and Operations Management (1998 – 2002); American Society of Appraisers, Accredited Senior Appraiser, Machinery & Technical Specialties. Completed ASA Continuing Education Courses ME201, 202, 203, 204. Current USPAP Certification.

Melissa Young was hired as Vice President of Leasing, Bank of Ozarks, Little Rock, Arkansas. Previously, she was Lease Account Manager, Murphy-Hoffman Company (MHC Kenworth) (April, 2009 – August, 2016). Rental Manager, MHC Truck Leasing, Inc. (January, 2006 – April, 2009); Account Manager, The Cashion Company (January, 2000 – October, 2005); Account Manager, The Hagan Agency Insurance (May, 1999 – January, 2000). Certifications: Property & Casualty Insurance License, Arkansas Insurance Department (July, 2011 – July, 2015). Registered Public Notary, Pulaski County, Arkansas (September, 2011 – September, 2021). Education: Central Baptist College, Bachelor of Science in Organizational Management, Business Administration and Management, General (2003 – 2005). University of Central Arkansas, Bachelor of Business Management, Business Administration and Management, General (1998 – 2003).





Leasing Industry Help Wanted

Nationwide Sales Positions Available
  Medical, Commercial and Industrial
 Transportation, FF&E, Technology

Superior pricing - Superior Buying window
 - Superior back office - Superior stability

For more info click here

Bank of the Ozarks

Recognized as the top performing bank in the United States,
based on financial performance, five years in a row
(2011, 2012, 2013, 2014, and 2015).



Personalizing Your Online Experience
FinTech #102 by Brittney Holcomb

Personal touch goes a long way. Think about how you feel when you want into a restaurant you frequent and the staff knows your name and your favorite drink.

Some businesses are so caught up in trying to adopt all these new online features that, more often than not, they lose sight of what is really important, making a lasting connection with the consumer.

As business owners, technology has a tendency to make us very cut and dry. We lose the story of our business or whatever makes us unique when we fail to portray it properly online.

Some personalization features financial companies have adopted to help increase their online engagement with their consumers include: Live chat, Onsite polls, Social media, & Mobile Apps.

As highlighted previously with mobile advertising, businesses need to be more responsive to their consumers in real time. When a potential client is online and inquiries about your services or a product feature, they expect rapid answers. If we aren’t there to answer their questions, they will most likely try somewhere else.

By creating a more user focused website content strategy, financial companies are finding ways to work about the ‘quick response’ expectations of their consumers.

We need to create our content strategy around frequent questions we know our potential clients are asking. You may say ‘How am I supposed to anticipate what they are asking?’ and the answer is quite simple…just ask. 

A lot of leasing and financial businesses have started to integrate online polls on their website, or an email marketing blast containing a questionnaire to gain from their consumers. There are also tools online you can use to research search volume of specific keywords and phrases that are related to your business so you can tell what kind of search queries your users are looking up.

Content is an important piece that is often overlooked when it comes to developing a website or marketing strategy.

What small businesses, leasing, and financial companies need to understand is that visitors are more likely to bounce off your site when they feel the content is not really targeted towards their search criteria. So in every case, content is a very important piece not to overlook when developing your website.

Just to paint the picture even better, let’s assume you offer equipment financing for an array of different industries. Instead of just having a generic ‘equipment financing’ product page, why not build out a content page for your website highlighting how your equipment financing product works for every industry?  Like a “manufacturing equipment financing” page or a page on “financing solutions for healthcare and medical equipment.”

We always circle back to how important the trust factor is in the financial industry. Building more personalized, industry focused, and even geographical location-focused content on your website, helps you establish trust with new clients right out of the gate. When a visitor lands on your page and they feel that your website is speaking directly to their specific needs, then you have already crossed the first hurdle in the sales cycle.

A lot of financial businesses have a tendency to want to put a solid website content strategy into effect, but sometimes fall into the trap of “automation.”

In order for your company to provide a personalized online experience to your consumer, there must be an actual person behind the strategy.

Regardless of what black hat marketing agencies may be feeding you,  automation is the worst thing you could do to your content strategy. Being dedicated to your website content strategy, or designating someone to do it for you, helps understand data and how it affects the big picture of the company’s overall goals. Once you assess the data you can find what parts of your website need work and what parts are working well for converting consumers into clients.

It takes an actual person to understand your visitors and develop a website design and content strategy that tells a story and portrays the personalization feature to your website visitors. The ‘set it and forget it’ strategy is not an option when it comes to building and maintaining your website’s user experience.

When financial businesses start to implement a more personalized website experience for their consumers they see higher conversion rates, increased revenue, and increased user retention. Create a memorable and lasting online experience for those who visit your website. It will then become the gift that keeps on giving.


Brittney Holcomb is the Director of Paid Search at The Finance Marketing Group. She works exclusively with finance companies and banks to help better develop their business online through digital marketing strategies. Brittney has been trained by some of the top leaders in the industry giving her a vast knowledge she is able to pass along to her client base.


Previous Financial Technology Articles





It's Only Going to Get Harder for New Apps
to Get Noticed – Chart

by Jeff Dunn, www.businessinsider

It’s harder than ever for a new app to stand out. People simply aren’t using as many apps as they used to, and recent research has shown that the top 1% of the App Store’s paid app publishers collect 94% of the platform’s revenue.

Yet, as this chart from Statista shows, the field is only going to get more crowded. According to app research platform Sensor Tower, the number of active apps in the App Store is projected to nearly double by the end of 2020. Sensor Tower thinks we’ll hit more than 5 million at that point, well over the current 2.5 million or so that’s out there today.

Even with Apple’s new revenue splitting policies, this could make discoverability an even bigger puzzle for aspiring app developers to solve. (This is also not counting Android apps, many of which are not duplicates of Apple apps. Editor)


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


Five Biggest Small Business Loan Mistakes
Karen Sams, National Federation Independent Business

Most businesses require some type of loan at some point. But borrowing can be risky, and the wrong decision can seriously damage your business. Read on for expert advice on the most common small business loan mistakes and how to avoid them.

1. Choosing the wrong type of loan.

The first step in acquiring capital is understanding the best loan to meet your needs.

“There are over 44 different types of financing available to small business owners, and not every one of them is right for each situation,” says Gerri Detweiler, head of market education at Nav in Sarasota, Florida. “The wrong loan can devastate your firm’s finances, so it’s worth taking some time to make sure you understand what will work best for your current situation.”

For example, credit lines can help with short-term cash flow, but equipment should be purchased using longer-term loans with collateral. offers a reference chart to help small business owners better understand which loans to consider for different circumstances.

2. Borrowing to cover operational costs that don’t increase   

Cash-strapped small business owners might be tempted to borrow money to cover payroll or even their own salaries. But this is a bad idea.

“That is just a Band-Aid,” says Bryan Clayton, CEO of GreenPal in Nashville, Tennessee. Clayton recommended small business owners make sure the funds will be used to fuel growth, not just maintain current operations.

“Ask yourself, ‘Why?’ five times when you’re considering taking on debt to run your business,” he says. “[If it won’t] fuel growth [and it’s just] to keep the lights on, that’s never a good idea.”

3. Accepting a loan without understanding its cost.

Just like consumer loans, business loans come with different terms and interest rates. Unfortunately, small business lenders don’t have to follow the same regulations that consumer lenders do.

“Small business lenders aren’t required to disclose the annual percentage rate like consumer lenders are,” Detweiler says. “Sometimes the cost of loans ends up being much higher than the business owner realizes.”

Detweiler recommends that small business owners educate themselves on how different terms can impact the total amount they end up paying. “Cheaper isn’t always better,” she says. “If you need money fast for a short-term need, for example, you’ll likely pay more for it. But if it allows you to take advantage of a profitable opportunity that won’t be around if you wait, it may be worth it.” On the other hand, if you have a long-term capital need, you may need a lower cost, long-term alternative such as a bank loan or SBA loan. Otherwise, high rates over an extended period of time could hurt your cash flow, Detweiler says.

4. Relying too much on short-term loans and credit lines.

While short-term loans and lines of credit are often the easiest loans to obtain, they are also the most expensive. Rob Wilson, CEO of lending firm C7a in Freeport, Maine, urges small business owners to constantly evaluate their credit profiles to ensure their borrowing needs haven’t outgrown short-term options.

“The telltale signs you are ready for a longer-term working capital loan is when lines or short-term debt are being continually rolled over to maintain a permanent balance due,” he says.

5. Believing money will solve every problem.

Small business owners should be careful to avoid borrowing to mask deeper problems with operations or sales, Detweiler says. Think critically about whether a loan is really the best strategy for solving problems.

“Sometimes business owners look for financing to try to fix a problem that could be solved without taking on an additional financial obligation,” she says. “For example, maybe your cash crunch is really a sales problem, and you or your sales team need to focus on closing sales.”




Leasing/Finance Conferences --- 2016


NAELB 2016-2017 President Mike Parker said, "Attendees can expect outstanding education and networking activities in Cincinnati. For example, we learned a lot from our attempt at a Speed Dating session during the 2016 NAELB Annual Conference and we're looking forward to offering a chance for brokers to meet with Funders and Service Providers in a speed dating setting on Friday to better plan their exhibit hall time on Saturday morning.” 
added .

Advantage Funding
Bankers Capital
Bryn Mawr
Channel Partners
Cobra Capital
Financial Pacific
First Federal
First Lease
Marlin Leasing
NFS Leasing
North Mill
Rapid Advance
United Financial

Registration and Events

o Broker Member $125
o Additional Broker Member   $115
o Associate Member $260
o Additional Associate Member $200
o Funder Member $260
o Additional Funder Member $200

o Broker Non-Member $200
o Associate Non-Member $360
o Funder Non-Member $360

CFLA 2016 Program

Hotel Accommodations


First delegate $1,390
Second delegate $1,325
Third delegate $1,260
Fourth delegate FREE
Additional delegate $1,260
Daily rate - Wednesday $585,
Thursday $775, Friday $295
Chairman's Banquet Only $185
Companion’s registration $365

First time $1,390
Second-time + $1,810
Daily rate - Wednesday $715,
Thursday $905, Friday $425
Chairman's Banquet Only $285
Companion's registration $525
Students $25



Second Annual Conference
Announcing Our Second Annual 
October 4th - 6th, 2016
Red Rock Casino & Resort
Las Vegas, Nevada

Kris D. Roglieri

National Alliance of Commercial Loan Brokers
by Kris Roglieri, Co-Founder of NACLB


Go to our website for more information:

Brokers - Get Reconized For Your Achievements
Nominate yourself today. Must be registered to attend conference
in order to be considered


Christopher "Kit" Menkin, Leasing News, will be speaking at the “Reporters Viewpoint” panel discussion to address the whole conference about the state of the leasing industry. He is looking forward to meeting readers as well as the Financial Technology and Business Loan Funders not familiar with Leasing News who are attending the conference.


Go to our website for more information:


October 5 – 7
Chicago Marriott Magnificent Mile
Chicago, Illinois

Attendee Registration Rate


List of Exhibitors


October 6-8, 2016
NEFA 2016 Funding Symposium
Radisson Blu Mall of America

"The Women in Leasing LinkedIn Group would like to cordially invite you to our October luncheon at Cedar + Stone, Urban Table in the JW Marriott Hotel (Bloomington, MN) on Thursday, October 6th from 12:00pm – 2:00pm. The lunch is being co-hosted by ECS Financial Services and Financial Pacific Leasing, an Umpqua Bank company.

"If you plan on attending the 2016 NEFA Funding Symposium, the restaurant is located on the opposite side of the host hotel in the Mall of America.

"Please RSVP no later than Thursday, September 22nd to Shari Lipski @"


Information on 2016 Funding Symposium

The NEFA conference hotel is just five miles from the Minneapolis-Saint Paul International Airport which has direct flights to one hundred and fifty-five other cities and connections to hundreds more. It’s also convenient to both downtown Minneapolis and downtown Saint Paul.

Chairperson for the 2016 Funding Symposium is Jim Peach, CLFP, VP/Sales Manager, Stearns Bank, in Albany, Minnesota. Working with a dedicated team of volunteers, the Chairperson pulls together the educational lineup of the conference.

Said Jim Peach, “we get great feedback from the attendees following each NEFA conference and we’ve used that to focus our educational sessions on things that are both timely and important to NEFA Members.”


Bonus Workshop, October 6, 10:00am to 3pm
Funding Symposium Lead by Scott Wheeler, CLFP
Free: $750 Values

For more information, visit: 
or call: 847-380-5050.


October 23 -25th
2016  55th Annual Conference
Palm Desert Springs
Palm Desert, California

More Information plus Register 

Monday, September 19, 2016
Last day to receive the special ELFA convention rate for your accommodations at the JW Marriott Desert Springs.

Monday, October 10, 2016
Last day for mail-in and online registrations. After this date registrations can be made on-site. Please note: There are no refunds of registration fees after this date.

Keynote speaker Joe Scarborough will provide timely analysis 
and insight into the upcoming presidential and congressional elections.


October 23 – 26
Las Vegas, Nevada
(85% of exhibit space/sponsorship booked)

October 24-26, 2016
100th Anniversary Annual Meeting
American Financial Services Association
The Breakers Palm Beach
Palm Beach, Florida

Join us for the latest on the political landscape, compliance and regulatory challenges, business trends, and enjoy plenty of networking opportunities.

Sessions will cover the overall industry challenges as well as operational issues relevant to specific market sectors. The final day of the meeting - called Spotlight Compliance - will shine light on the ever changing legal, regulatory and compliance realms that are so important in today's financial businesses.

 AFSA’s 350 members include consumer and commercial finance companies, vehicle finance/leasing companies, mortgage lenders, credit card issuers, industrial banks and industry suppliers. The association was founded in 1916 as the American Association of Small Loan Brokers. The group formed to promote state laws that would make small loans more readily available to average Americans, who had few options at the time to receive small personal loans.


November 11-12, 2016
2016 Western Regional Meeting
Doubletree by Hilton Hotel Anaheim-Orange County
Orange, CA

 (Sorry, no further information available)



Fernando's View
By Fernando F. Croce

A tense thriller (“Hell or High Water”) and a family fantasy (“Pete’s Dragon”) give audiences a contrasting double-bill in theaters, while DVD releases offer gleeful satire (“High-Rise”), exceptional animation (“April and the Extraordinary World”) and an elemental classic (“Woman in the Dunes”).

In Theaters:

Hell or High Water (CBS Pictures): Jeff Bridges is in fine, leathery form in this rugged and moody crime thriller, in which Scottish director David Mackenzie (“Starred Up”) provides a beady-eyed look at New Mexico. Bridges plays Marcus, a grizzled veteran lawman who’s determined to crack down on one last case. Said case involves Toby (Chris Pine) and Tanner (Ben Foster), brothers who take part in a series of bank robberies when they learn that their family ranch is about to be foreclosed. As their heists turn more unpredictably brutal, it’s clear that the desperadoes are destined for a final showdown with the sheriff. But who will make it out alive? Reminding more than one reviewer of “No Country for Old Men,” Mackenzie’s film is an electrifying mosaic of family devotion and frontier justice.

Pete’s Dragon (Walt Disney Pictures): Remakes are often unnecessary, hit-and-miss affairs, but this re-imagining of Disney’s 1977 fantasy easily improves on the original with a finely calibrated balance of whimsy and poignancy. The eponymous Pete (played by Oakes Fegley) is a 10-year-old orphans whose life in the woods gets the attention of forest ranger Grace (Dallas Bryce Howard). She hears about his pet dragon but dismisses it as a tall tale… until the friendly green behemoth materializes, turning the local community upside down. An offbeat choice for the project, indie director David Lowery (“Ain’t Them Bodies Saints”) succeeds in keeping the fanciful special effects grounded in honest characters and emotions, including a delightful turn by Robert Redford as Grace’s fable-spinning father. The result is a movie to complement the season’s other magic fantasy, Spielberg’s “The BFG.”

Netflix Tip: A durable character actor with a distinctively gruff presence, David Huddleston (1930-2016) left behind decades of forceful work. So check out Netflix for some of his most famous roles, which include “Bad Company” (1972), “Blazing Saddles” (1974), “Santa Claus: The Movie” (1985), and perhaps his most famous part as the eponymous tycoon in “The Big Lebowski” (1997).


High-Rise (Magnolia): Having established himself as a savage and cunning stylist, writer-director Ben Wheatley ("Kill List," "A Field in England") tackles his most ambitious project yet in this gleefully unnerving adaptation of J.G. Ballard's surreal novel. Taking place in a building tower in 1970s London, the film serves up a satirical cross-section of characters and then observes them slip into barbarian mode as the norms of society short-circuit. Among them is a young doctor who becomes the audience's bewildered surrogate (Tom Hiddleston), a brutish apartment-dweller (Luke Evans) and his pregnant wife (Elisabeth Moss), and the building's haughty architect (Jeremy Irons). With pitch-black humor, Wheatley whips up a rollicking vision of anarchy simmering right under the modernist surfaces of normalcy. Not for every taste, but a unique ride for game viewers.

April and the Extraordinary World(Universal): Proving once more that American or Japanese studios don't hold a monopoly on magical animation, this French-Belgian-Canadian fantasy thriller overflows with originality and freshness. Set in the 1940s in an alternate universe in which Europe is a vast, dust-covered industrial world and a war for American lumber rages on, the film centers on April (voiced by Marion Cotillard), an orphan girl who, with the help of a talking cat named Darwin (Philippe Katerine), must venture from Paris to Berlin. Not an easy task, especially as hot-air balloons and spinning contraptions fill the air, and a mysterious dark cloud creeps in the distance, seemingly capturing the world's most intelligent minds. With a sense of marvel that brings to mind the Tintin comic-strip or Jules Verne's adventures, this is a thrilling joy to behold.

The Woman in the Dunes (Criterion): Though not as well-known as such fellow ‘60s Japanese directors as Akira Kurosawa or Nagisa Oshima, Hiroshi Teshigahara left his own imprint on the decade with a string of strange and provocative projects. This 1964 allegorical drama is his most famous film, a visceral enigma that was nominated for Best Foreign Language Picture. The story begins as a teacher (Eiji Okada) ventures into the desert to collect insects and finds himself stranded in a remote village, where he meets a young widow (Kyoko Kishida) who leaves in a house at the bottom of a sand pit. The two develop an intense relationship, even as the teacher continues to plan an escape. With a palpable feeling for elemental claustrophobia as well as for the characters’ shifting emotions, Teshigahara creates a haunting experience. With subtitles.


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News Briefs---

Despite Global Economic Volatility,
   Small Business Borrowing Remains Strong

Federal Reserve Launches Facebook Page
  Now on Line

As mortgage rates stall,
 it's worth looking into getting rid of PMI

Avant Loses 30% of its Staff, Including CEO’s Wife;
  Here’s Why You Don’t Have to Worry

Michigan Unemployment Rate Dips to Lowest in 15 Years
  4.5 Percent in July

How Lending Club's Biggest Fanboy Uncovered Shady Loans
"If you knew where to look inside the loan co., things were worse..."
Calif. Judge Rejects Uber’s $100M Labor Deal With Drivers
$100M settlement drivers as contractors may not be enough

Lava From Hawaii Volcano Cascades Into Sea
"creating new land/ a stunning show for visitors"




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Target spending $20M on third bathrooms in transgender debate


Baseball Poem

Hustle and Energy

During tryouts
high school
baseball coach
what it takes to
make the team
freshman believe him

Written by Dan Zamudio

“Catcher in the Wry”

Baseball Poems

Published by McFarland and Company



Sports Briefs----

Police discredit Ryan Lochte’s robbery story,
   say swimmers owe Rio an apology

Helen Maroulis beats Japanese legend for first gold
   in U.S. women’s wrestling history 

Reigning runner-up Christian McCaffrey can end
    Stanford's Heisman drought

49ers QB Colin Kaepernick resumes throwing during practice

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California Nuts Briefs---

Soberanes Fire Update:
Bigger Still With 79K Acres Consumed On Day 28

Member of Olympic fencing team loses new home in Clayton Fire

'Brady Bunch' star sells Calif. beach cottage

People tossed a few pet goldfish into a lake, and now
  they're taking over the ecosystem and growing to massive sizes


“Gimme that Wine”

Distilling The Story Of California Wine, One Label At A Time

Strong Packaging Creates Strong Wine Sales

Direct Wine Shipments Now Available for Pennsylvania Residents

 Total U.S. Wine Sales Stay Strong

Mechanics Bank names Dan Aguilar Senior Vice President and Regional Manager, Commercial Banking in Napa

California wine industry's economic impact growing, study finds

Treasury Wine's $800 million pot of gold in luxury wines as Asia booms

Wine scientist reveals how food, music and temperature can affect its taste

1671 Reasons Why We Will Never Be Bored By Italian Wine

Free Mobile Wine Program

Wine Prices by vintage

US/International Wine Events

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This Day in American History

     1692 - In Salem in the Massachusetts Bay Colony, five people, one woman and four men, including a clergyman, were executed after being convicted of witchcraft.
    1779 - Americans under Major Henry Lee took the British garrison at Paulus Hook, New Jersey.
    1782 - The last major engagement of the Revolutionary War, the Battle of Blue Licks, occurred almost ten months after the surrender of the British Cmdr. Cornwallis following the Siege of Yorktown. On a hill next to the Licking River in what is now Kentucky (but was then in Kentucky County, VA), a force of about 50 American and Canadian Loyalists along with 300 Indians ambushed and routed 182 Rebel Kentucky militiamen. It was the last victory for the Loyalists and Natives during the frontier war.
    1792 - Benjamin Banneker (1731-1806) published his first Almanac.  In February 1791, Major Andrew Ellicott hired Banneker to assist in the initial survey of the boundaries of the new federal district, which the 1790 federal Residence Act and later legislation authorized. Formed from land along the Potomac River that the states of Maryland and Virginia ceded in accordance with the Residence Act, the territory that became the original District of Columbia was a square measuring 10 miles on each side, totaling 100 square miles. Ellicott's team placed boundary stones at every mile point along the borders of the new capital territory. During this effort, Banneker also kept a series of journals that contained his notebooks for astronomical observations, his diary and accounts of his dreams.  The title page of an edition of Banneker's 1792 “Pennsylvania, Delaware, Maryland and Virginia Almanack and Ephemeris” stated that the publication contained:  “the Motions of the Sun and Moon, the True Places and Aspects of the Planets, the Rising and Setting of the Sun, Place and Age of the Moon, &c.—The Lunations, Conjunctions, Eclipses, Judgment of the Weather, Festivals, and other remarkable Days; Days for holding the Supreme and Circuit Courts of the United States, as also the useful Courts in Pennsylvania, Delaware, Maryland, and Virginia.  In addition to the information that its title page described, the almanac contained a tides table for the Chesapeake Bay region listing times for high water or high tide at Cape Charles and Point Lookout, Virginia and Annapolis and Baltimore, Maryland.  These locations remain today as those for which National Weather Service tidal information is regularly quoted.
    1812 - Lucy Brewer, alias George Baker and Louisa Baker, concealed her gender and served on board the USS Constitution as a US Marine in its battle with HMS Guerriere. Brewer is the pen name of a writer who purported to be the first woman in the US Marine, serving aboard the Constitution. Brewer's adventures were probably written by Nathaniel Hill Wright (1787–1824) or Wright's publisher, Nathaniel Coverly. ‘She’ thus became the first woman to serve as a US Marine. This also was considered by historians to be the most important naval action of the war that took place in the Atlantic Ocean about 750 miles east of Boston. The American loss was 14 killed or wounded; the British, 79 killed or wounded and Congress awarded $50,000 to Captain Isaac Hull and his crew for the victory over Guerriere.  According to the book, “The Female Marine”, original title: “The Adventures of Lucy Brewer”, Brewer supposedly grew up on a farm near Plymouth, MA and, at age 16, fell in love with a boy named Henry. When she became pregnant, Henry refused to marry her, and she set out for Boston. In Boston, Lucy was tricked into prostitution after her baby died in childbirth. This series of seduction and betrayal precisely follows the strict line of the romance genre—until, that is, motivated by a patriotic desire to fight in the War of 1812, Lucy tricked her way onto the Constitution, pretending to be a man named George Baker.  She served valiantly for three years and in many naval battles against the British before being honorably discharged, all the while keeping her true gender a secret.
    1814 - The British land in Maryland to invade Washington, DC.
    1814 - Mary Ellen "Mammy" Pleasant (1814-1904) birthday, whereabouts uncertain.  She was an early African-American activist who used her fortune to further the abolitionist movement. She worked on the Underground Railroad across many states and then helped bring it to California during the Gold Rush Era. She was a friend and financial supporter of John Brown, and was well known in abolitionist circles. After the Civil War, she took her battles to the courts in the 1860s and won several civil rights victories, one of which was cited and upheld in the 1980s and resulted in her being called “The Mother of Human Rights in California.” She is often called the mother of black civil rights in California. Much of her life is clouded in legend which says that she freed slaves who were being held illegally in free California. She worked to win the rights at African-Americans to have their testimony accepted in court (1863) and helped to end discrimination on California streetcars in Pleasant v. North Beach and Mission Railroad Company (January 1868).

    1818 – Capt. James Biddle takes possession of Oregon Territory for U.S.
    1846 – Gen. Stephen W Kearney's US forces captures Santa Fe, NM
    1848 - "New York Herald" printed an item about the discovery of gold in California.
    1854 - The First Sioux War began when seven US Army soldiers killed Lakota chief Conquering Bear and, in return, were massacred near Fort Laramie, WY.
    1870 – Bernard Baruch (1870-1965) was born in Camden, SC.  He was an American financier, investor, statesman, and political consultant. After his success in business, he devoted his time toward advising Presidents Wilson and Roosevelt on economic matters and became a philanthropist
    1871 - Birthday of Orville Wright (1871-1948), aviation pioneer, at Dayton, OH. There has been controversy as to who launched the first air plane flight in the United States, but he certainly is the one he made flying famous, with his brother Wilbur, at Kitty Hawk, NC.
    1873 – Mt. Whitney, the second highest peak in the US, was con­quered for the first time by a trio of American climbers, Charles D. Begole, A.H. Johnson and John Lucas.
    1883 - Birthday of Coco Gabrielle Chanel (1883-1971) in Samur, France.   French dress designer. The Museum of Modern Art in New York has a full showing of her “work” which is fascinating to view, including jewelry and perfume bottles. Coco Chanel was the preeminent Parisian haute couture and premier arbitrator of western women's fashions for almost six decades. Coco Chanel almost single-handed changed women's wardrobes from works of architectural wonders to clothes that allow a woman to move. Her clothes were first designed for working girls, but soon wealthy women flocked to her small shop to find the clothes that freed them from the abusive corsets. Chanel, for the first time in history, presented women with clothing that fit a woman's body and did not force a woman to fit her designs. She was also one of the first women to make it big in the women's fashion industry. She presented bobbed hair, trench coats, jersey dresses, sweaters, bell-bottom slacks/trousers as well as the classic straight-line skirt as knee length with a boxy jacket that allowed freedom of motion. She retired in 1939 but came back in 1954 when Dior and others started a "romantic" fashion that threatened to return women's clothing to the turn of the century. She raised hems, introduced the chemise dress, the classic Chanel suit look we know today as a simple boxed jacket with a straight skirt with enough room to walk and climb, and, of course, the staple in every wardrobe, "the little black dress." In 1922 she developed a fragrance that is still one of the most highly sold fragrances in the world: Chanel #5. She was orphaned at age six. Her early years are obscure but there were no wealthy men behind her when she opened a small millinery shop in Paris in 1913 and within a very short time, her comfortable clothing had made her the rage of post-World War I Paris. At her height, she employed 3,500! She was described by Vogue as "a revolutionist, a non-conformist, a lone rebel who let women out of the prison of tight corsets. She led women to cut their hair in the 1920's, raise hemlines, stripped away trimmings and feathers, and produced a simplicity that freed women.  Coco Chanel said in a 1954 interview, "There are too many men in this business and they don't know how to make clothes for women. All this fantastic pinching and puffing. How can a woman wear a dress that's cut so she can't lift up her arm to pick up a telephone?" One of the most influential of women's clothing in America.
    1886 - The Christian Union was founded by Baptist clergyman Richard G. Spurling (1858-1935) at the Barney Creek Meeting House in Monroe County, Tennessee. In 1923, this Pentecostal denomination changed its name to the Church of God. Headquartered today in Cleveland, Tennessee, its current membership is nearly 500,000 in 14 congregations.
    1893 - Frank J. Wisner, owner of Cripple Creek Brewing, served the first “Black Cow” root beer float in Cripple Creek, CO. Inspired by the moon-lit view of the snow-capped Cow Mountain which reminded him of vanilla ice cream floating on top of the pitch-black mountain, he added a scoop of ice cream to his Myers Avenue Red root beer and began serving it as the “Black Cow Mountain Ice Cream Root Beer Float.” Kids loved it and short­ened the name to “Black Cow.” Cripple Creek Brewing, now located in Warrenville, IL, celebrating its 107th anniversary, sells beverages based on the original formulas, including Myers Avenue Red root beer.
    1895 – Outlaw John Wesley Hardin was killed by an off-duty policeman in a saloon in El Paso, TX.
    1900 – Rube Waddell threw two complete games as Milwaukee swept a doubleheader from the Chicago White Stockings, 2-1 and 1-0. After throwing 17 innings in the first game, the colorful southpaw was coaxed by skipper Connie Mack, who promised him a few days off to go fishing to pitch the nightcap.  He hurled a five-inning one-hitter.    
    1902 - Birthday of Ogden Nash (1902-71), American writer, best remembered for his humorous verse, at Rye, NY.  “Undeniably brash/Was young Ogden Nash/ Whose notable verse/Was admirably terse/ And written with panache.”
    1905 - Birthday of drummer Tommy Benford (1905-94), Charleston, WV.
    1906 - Birthday of trombone player/guitarist/arranger Eddie Durham (1906-67), San Marcos, TX.,e/discography.html
    1906 – Philo Farnsworth (1906-71) was born near Beaver, UT.  He was an inventor whose early work involved the first fully functional all-electronic image pickup device (video camera tube), the "image dissector," as well as the first fully functional and complete all-electronic television system. He was also the first person to demonstrate such a system to the public. Farnsworth developed a television system complete with receiver and camera, which he produced commercially in the firm of the Farnsworth Television and Radio Corporation, from 1938 to 1951, in Fort Wayne, Indiana. He asked his high school science teacher, Justin Tolman, for advice about an electronic television system he was contemplating. He provided the teacher with sketches and diagrams covering several blackboards to show how it might be accomplished electronically. He asked his teacher if he should go ahead with his ideas, and he was encouraged to do so.  Later in 1924, Farnsworth applied to the US Naval Academy, where he was recruited after he earned the nation's second highest score on academy tests. However, he was already thinking ahead to his television projects and, upon learning the government would own his patents if he stayed in the military, he sought and received an honorable discharge within months, under a provision in which the eldest child in a fatherless family could be excused from military service in order to provide for his family.
On September 7, 1927, Farnsworth's image dissector camera tube transmitted its first image, a simple straight line, to a receiver in another room of his laboratory at 202 Green Street in San Francisco.  Pem Farnsworth recalled in 1985 that her husband broke the stunned silence of his lab assistants by saying, "There you are — electronic television!"  In 1999, Time magazine included Farnsworth in the "Time 100:  The most Important People of the Century.”
    1907 - Birthday of sax player Joe Rushton (1907-64), Evanston, IL.,,487951,00.html?

    1909 - First edition of “The Little Red Songbook” published in Spokane, WA.  Also known as “I.W.W. Songs” or “Songs of the Industrial Workers of the World,” it is a compilation of tunes, hymns, and songs used by the Workers (I.W.W.) to help build morale, promote solidarity and lift the bleak spirits of the working-class during the Labor Movement.
    1909 - The first car race to be run on brick occurred at the Indianapolis Motor Speedway.
    1912 - Jimmie Shields (d. 1982), one of the most popular Irish tenors in Canada during the 1930's, was born in St. Catharine’s, Ontario. Shields rose to further fame in the US from 1937 to 1941 when he appeared with the orchestras of Eddie Duchin and Morton Gould. He also appeared on several leading radio shows, and, in 1939, had his own weekly program on NBC, "Enna-Jettick Melodies." Shields was a regular performer on the CBC from 1948 until his retirement in 1964.
    1913 - Birthday of Harry Mills (1913-82), leader singer of the famed Mills Brothers, Piqua, OH
    1915 - The Boston Braves opened their new ballpark, Braves Field, with a 3-1 victory over the St. Louis Cardinals. The Braves called this park home through the 1952 season when they moved to Milwaukee.
    1915 - Birthday of famed writer Ring Lardner, Jr., (1915-2000), son of fabled baseball writer and humorist Ring Lardner. Lardner, Jr., was an Academy Award winning screenwriter (Oscar for “Woman of the Year” and “M*A*S*H”) and he also wrote for television. He was a member of the Hollywood Ten, a group of film industry executives sent to federal prison in 1950 for their refusal to tell the House Un-American Activities Committee if they were members of the Communist Party. He served nine months, and was blacklisted for many years.
    1917 - Team managers John McGraw and Christy Mathewson were arrested for breaking New York City's blue laws. The crime was their teams were playing baseball on Sunday.
    1918 - Pianist Jimmy Rowles (1918-96) birthday in Spokane, WA.
    1918 – Walter Johnson beat St. Louis, 4-3, in 14 innings. The Big Train worked in 15 extra-inning games, including two of 18 innings, one of 16 innings, and another of 15 innings.
    1921 - Birthday of Gene Roddenberry (1921-91), the creator of the popular TV series “Star Trek,” at El Paso, TX. Turning from his first career as an airline pilot to writing, he created one of the most successful TV science fiction series ever. The original series, which ended its run in 1969, lives on in reruns, and the “Star Trek: The Next Generation,” “Star Trek Deep Space Nine” and “Star Trek: Voyager” series have continuing popularity. Eight films also have been spawned from the original concept.
    1921 - At the age of 34, Ty Cobb becomes the youngest player to reach 3000 hits when he singles of off Red Sox hurler Elmer Myers.
    1927 - Henry and Edsel Ford drove the fifteen millionth Model T off the assembly line at the Highland Park plant in Michigan, officially ending Model T production. Production in England ended on August 19; in Ireland on December 31. After revolutionizing the automobile market, sales of the Model T had started to falter due to its failure to keep up with the competition. Total world Model T production: 15,458,781.
    1928 - Canadian pop singer Norman Brooks (1928-2006) was born in Montreal. He is best known for singing in the style of Al Jolson. Brooks played Jolson in the 1956 film "The Best Things in Life Are Free," and also starred in "The Magic of Jolson" on Broadway in 1975. His 1953 recording of "Hello Sunshine" was a substantial hit.
    1929 - "Amos and Andy," the radio comedy program, made its debut on NBC starring Freeman Gosden and Charles Correll.  This popular TV show ran on CBS (1951–53) and continued in syndicated reruns (1954–66). CBS finally gave in to pressure from the NAACP and the growing civil rights movement and withdrew the program. It would not be shown to a nationwide audience again until 2012.
    1931 – Jockey Bill Shoemaker (1931-2003) was born in Fabens, TX.  For 29 years he held the world record for total professional jockey victories with 8833.  In retirement, and after being paralyzed in a Ford Bronco rollover, Shoemaker authored three murder mysteries: “Stalking Horse (1994), “Fire Horse” (1995), and “Dark Horse” (1996)
    1934 - Roberto Walker Clemente (1934-72), Baseball Hall of Fame outfielder, was born at Carolina, Puerto Rico. Clemente, one of the game's best and most exciting outfielders, played his entire career with the Pittsburgh Pirates, lead­ing them to a World Series in 1971 and collected 3,000 hits. While on a mission of mercy to deliver supplies to victims of a Nicaraguan earthquake on New Year’s Eve, 1972, he perished in a plane crash off the Nicaraguan coast. He was immediately inducted into the Hall of Fame in 1973 after the mandatory 5-year waiting period was waived.
    1934 – The first soap box derby was held in Dayton, OH.
    1939 – NJ record was set when 14.8” of rain fell at Tuckerton.
    1940 - The new Civil Aeronautics Administration awarded honorary license #1 to Orville Wright.
    1940 – The B-25 Mitchell bomber, the workhorse of the Doolittle Raid two years later, was launched.  Nearly 10,000 Mitchells rolled from the lines of North American Aviation and served in every theater of World War II.  My father, Army Air Force S/SSgt Vincent Mango, was a tail gunner on one that flew over 65 missions including cover for the raids on Monte Cassino and the diversion at Calais on D-Day.  The B-25 was also the star of the film version of Joseph Heller’s “Catch-22.”
    1942 - First offensive action in the Guadalcanal where J.F. Junkin, Army air pilot, shoots down a German flown aircraft (allies of the Japanese) in the Solomon Islands, after Carlson's Raiders, a special guerrilla unit led by Lt. Col. Evans Fordyce Carlson, landed on Makin Island, at the northern end of the Gilbert Islands, with orders to destroy the radio station on the island. In 40 hours, every Japanese member of a force of 350 was killed, 1000 gallons of gasoline were set aflame, and the island was rendered militarily useless.
    1943 - Singer Billy J. Kramer was born William Ashton, in Bootle, England. It was Beatles' manager Brian Epstein who brought Kramer together with a Manchester band, the Dakotas, and introduced them to the songs of John Lennon and Paul McCartney. Billy J. Kramer and the Dakotas had their first hit in 1963 with Lennon and McCartney's "Do You Want to Know a Secret." Kramer's other chart records included "Little Children" and "Trains and Boats and Planes." Kramer and the Dakotas parted company in 1966, with Kramer turning to performing in small English clubs.
    1944 - NAKAE, MASATO, Medal of Honor.
Private Masato Nakae distinguished himself by extraordinary heroism in action on 19 August 1944, near Pisa, Italy. When his submachine gun was damaged by a shell fragment during a fierce attack by a superior enemy force, Private Nakae quickly picked up his wounded comrade's M-1 rifle and fired rifle grenades at the steadily advancing enemy. As the hostile force continued to close in on his position, Private Nakae threw six grenades and forced them to withdraw. During a concentrated enemy mortar barrage that preceded the next assault by the enemy force, a mortar shell fragment seriously wounded Private Nakae. Despite his injury, he refused to surrender his position and continued firing at the advancing enemy. By inflicting heavy casualties on the enemy force, he finally succeeded in breaking up the attack and caused the enemy to withdraw. Private Nakae's extraordinary heroism and devotion to duty are in keeping with the highest traditions of military service and reflect great credit on him, his unit, and the United States Army.
    1946 - William Jefferson Clinton, 42nd US President (1993—2001), was born at Hope, AR. Left in disgrace due to lying and having an affair with one of his young interns; however, remained popular with those who forgave him. His autobiography was read by over a million people. Accordingly, he appointed more women to important government posts than all the presidents in history combined. There is no controversy that he liked women.
    1946 - Woody Herman Band, directed by Igor Stravinsky, records his”Ebony Concerto” in Los Angeles.
    1946 - Nat King Cole records “For Sentimental Reasons”, Capital 304.
    1950 - Gillette paid $800,000 for TV rights to the World Series. Radio rights will add another $175,000 more.
    1950 - ABC-TV airs the first children's shows.
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    1953 – Maybe this is the reason…The CIA and MI6 helped overthrow the government of Mohammad Mosaddegh in Iran and reinstated the Shah Mohammad Reza Pahlavi. 
    1954 - Top Hits
“Sh-Boom” - The Crewcuts
“The Little Shoemaker” - The Gaylords
“Hey There” - Rosemary Clooney
“I Don't Hurt Anymore” - Hank Snow
    1954 - Ralph J. Bunche (1903-71), diplomat and first Black winner of Nobel Peace Prize, was named undersecretary of the United Nations.
    1955 – WINS 1010 radio in NYC announced it will no longer play "copy" white cover versions of R&B songs by black artists.  DJs must play Fats Domino's "Ain't It a Shame," not Pat Boone's.  Early rock ‘n’ roll was littered with this practice of black artists releasing hits and white singers immediately ‘covering’ and having, in many cases, bigger hits.
    1955 – Hurricane Diane was the first hurricane to cause at least $1 billion in damage.
    1957 - New York Giants vote to move their franchise to San Francisco in 1958.  The move was coordinated with the move of hated rivals, the Brooklyn Dodgers, to LA that same year.  The vitriol of the New York rivalry has intensified since as the Dodgers have won five World Series and 9 NL pennants while the Giants have won 3 and 6, respectively.
    1958 - The production of the elegant Packard line came to a halt on this day. Studebaker-Packard attributed the decision to lagging luxury car sales, but many Packard fans were disgruntled by the decision, which came shortly after Packard's acquisition of Studebaker. Many wondered why Packard, with its reputation for high-quality cars and knowledgeable management, would buy the debt-ridden Studebaker Company. Studebaker management assumed the company reins after the merger, not Packard. It was common to call the new car a “stupid-baker.”
    1960 – US U-2 pilot Francis Gary Powers was convicted of espionage in Moscow.
    1962 - Top Hits
“Breaking Up is Hard to Do” - Neil Sedaka
“The Loco-Motion” - Little Eva
“You Don't Know Me” - Ray Charles
“Wolverton Mountain” - Claude King
    1962 - Homero Blancos plays the finest round in US competitive golf history, shooting a 55 at the Premier Invitational Golf Tournament held in Longview, TX.
    1962 - Peter, Paul and Mary released their first US Top 10 hit, "If I Had a Hammer."
    1963 - National Association of the Advancement of Colored People Youth Council begins sit-ins at lunch counters in Oklahoma City, Oklahoma.
    1964 - The Beatles opened their first US tour at the Cow Palace in San Francisco. Others to cross the stage include Jackie DeShannon and the Righteous Brothers.
    1967 - The Beatles' "All You Need Is Love" hits #1 the pop charts. On the same day, Ringo Starr and his wife Maureen have a baby boy named Jason.
    1967 - PLESS, STEPHEN W., Medal of Honor
Rank and organization: Major (then Capt.), U.S. Marine Corps, VMD-6, Mag-36, 1st Marine Aircraft Wing. Place and date: Near Quang Nai, Republic of Vietnam, 19 August 1967. Entered service at: Atlanta, Ga. Born: 6 September 1939, Newman, Ga. Citation: For conspicuous gallantry and intrepidity at the risk of his life above and beyond the call of duty while serving as a helicopter gunship pilot attached to Marine Observation Squadron 6 in action against enemy forces. During an escort mission Maj. Pless monitored an emergency call that 4 American soldiers stranded on a nearby beach were being overwhelmed by a large Viet Cong force. Maj. Pless flew to the scene and found 30 to 50 enemy soldiers in the open. Some of the enemy were bayoneting and beating the downed Americans. Maj. Pless displayed exceptional airmanship as he launched a devastating attack against the enemy force, killing or wounding many of the enemy and driving the remainder back into a Treeline. His rocket and machinegun attacks were made at such low levels that the aircraft flew through debris created by explosions from its rockets. Seeing one of the wounded soldiers gesture for assistance, he maneuvered his helicopter into a position between the wounded men and the enemy, providing a shield which permitted his crew to retrieve the wounded. During the rescue the enemy directed intense fire at the helicopter and rushed the aircraft again and again, closing to within a few feet before being beaten back. When the wounded men were aboard, Maj. Pless maneuvered the helicopter out to sea. Before it became safely airborne, the overloaded aircraft settled 4 times into the water. Displaying superb airmanship, he finally got the helicopter aloft. Major Pless' extraordinary heroism coupled with his outstanding flying skill prevented the annihilation of the tiny force. His courageous actions reflect great credit upon himself and uphold the highest traditions of the Marine Corps and the U.S. Naval Service.
    1968 - After 58 episodes, the final “Monkees” TV show airs on NBC. Since the its initial run, almost every major cable network has aired re-runs of the show, including a popular stint on CBS from 1969-1972
    1969 - Trumpeter Miles Davis began recording sessions in New York for what would eventually become the ground-breaking jazz-rock fusion album "Br*tches Brew." Among the musicians taking part were Chick Corea, Wayne Shorter and Joe Zawinul. There were no rehearsals and Davis gave the musicians only minimal directions.
    1969 - 'Never say die' Hurricane Camille let loose a cloudburst in Virginia resulting in flash floods and landslides which killed 151 persons and caused $140 million in damage. Massies Hill, VA received 27 inches of rain.
    1970 - Top Hits
“(They Long to Be) Close to You” - Carpenters
“Make It with You” - Bread
“Spill the Wine” - Eric Burdon & War
“Don't Keep Me Hangin' On” - Sonny James
    1972 - NBC-TV presented "The Midnight Special" for the first time. John Denver was the host for the first show. Wolfman Jack was the show's announcer. "The Midnight Special" proved to be a ratings success.
    1974 - During an anti-American protest in Nicosia, Cyprus, US Ambassador Rodger P. Davies was fatally wounded by a bullet while in the American embassy.
    1976 - The Republican National Convention nominates President Gerald Ford for reelection in a narrow victory over former governor Ronald Reagan of California. Senator Robert J. Dole of Kansas was nominated for the vice-presidency.  
    1977 - Fleetwood Mac's reunion album "The Dance" is released. The disc was taken from two shows that were recorded live at a Warner Brothers soundstage a few months earlier.
    1978 - Top Hits
“Three Times a Lady” - Commodores
“Grease” - Frankie Valli
“Miss You” - The Rolling Stones
“Talking in Your Sleep” - Crystal Gayle
    1978 - Alicia Bridges enters the soul chart with "I Love the Nightlife." Though the single will only reach as high as #31 in its seventeen weeks on the chart, the song's title will become a disco-era catch-phrase.
    1980 - Christopher Cross comes from nowhere and has one of the biggest hits of the year off his debut album which goes platinum on this date. He has three top fifteen hits, including the Number One, "Sailing." He will take home five Grammies in February
    1984 - Lee Trevino wins the PGA
    1986 - Top Hits
“Papa Don't Preach” - Madonna
“Higher Love” - Steve Winwood
“Venus” - Bananarama
“You’re the Last Thing I Needed Tonight” - John Schneider
    1986 - The temperature at San Antonio, TX, soared to an all-time record high of 108 degrees
    1987 - It was on this day that consumer reporter David Horowitz was held at gunpoint on camera. During a KNBC-TV newscast in Burbank, CA, Horowitz was forced to read the assailant's rambling note. The news director took the program off the air until police could get the gunman off the set. Horowitz was unharmed.
    1988 - Raleigh, NC reported a record hot temperature reading of 103 degrees. Afternoon thunderstorms in Oklahoma produced wind gusts to 75 mph in southern Pittsburg County. Thunderstorms in Indiana produced 4.50 inches of rain at Morgantown
    1990 - White Sox Bobby Thigpen records his 40th save as the Chicago White Sox beat the Rangers, 4-2. He becomes the only eighth reliever to reach this milestone in Major League history.
    1991 - Hurricane Bob was located 30-35 miles east of Cape Hatteras NC, and was at its peak intensity of 115 mph. Damage from Bob was estimated at $1.5 billion, making it the 15th costliest hurricane in U.S. History. A total of 18 people died in the storm.
    1991 – In the Crown Heights Riot in Queens, NYC, Black groups targeted Hasidic Jews for three days after two black children were hit by a car driven by a Hasidic man.
    1992 - When Mariner second baseman Bret Boone, the grandson of Ray Boone (1948-60) and son of Bob Boone (1972-90) makes a start against the Orioles, he becomes part of the first three-generation family to play in the Major Leagues.  Brett’s brother, Aaron, also played 12 seasons with a number of clubs.
    1992 - IBM and Sears, Roebuck & Co. announce they are working together to create a voice-and-data network service called "Advantis." The two companies had already been working together since the mid-1980s to create the online service Prodigy. With their entry into Internet provider services, the companies expected to generate at least $1 billion a year in revenue.
    1999 – “Saturday Night Live” creator Lorne Michaels received a star on the Hollywood Walk of Fame.
    2004 - Google Inc. stock began selling on the Nasdaq Stock Market. The initial price was set at $85 and ended the day at $100.34 with more than 22 million shares traded.
    2009 - U.S. Army officer William Calley publicly apologized for the My Lai massacre during the Viet Nam War.
    2014 - Community Health Systems Inc., a private hospital company, revealed that Social Security numbers and other personal data were stolen for 4.5 million patients in April and June; the company believes the attack is the work of Chinese hackers.
    2014 - Google will be launching a paid subscription-based music service featuring YouTube music video content; the service will be separate from the company's existing subscription music service on Google Play.



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