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

Wednesday, August 31, 2016

Today's Equipment Leasing Headlines

Broker/Lessor Receives Early Payoff from Lessee
But Doesn't Pay Funder for Three Months
July, 2016 --The List
"The Good, the Bad and the Ugly"
Leasing Industry Ads---Help Wanted
Ascentium Capital
Sales Make it Happen by Steve Chriest
“How to Overcome Vendor Working with Another Company”
Financial and Sales Training
(For our "Lease School/Franchisors" list, please click here)
Open Plan Office Space
– An Interview with Chris Lunny from Facebook
General Electric Moves into
Temporary Headquarters in Boston
Net Income Rises to $43.6 Billion
At FDIC-Insured Institutions In Second Quarter 2016
Community Bank Net Income Rises to $5.5 Billion
Shepherd/Chow Chow Mix
Scottsdale, Arizona  Adopt-a-Dog
Leasing News Classified Ads
Lessee Advocate and Consulting
News Briefs---
CEO Lessor of Medical, Telecommunication, Info Tech,
  Banned for Company Expenses Spent at Walt Disney World
Apple CEO Tim Cook blasts EU’s demand for $14.5B in taxes
  Steve Jobs Opened Factor in Cork, Ireland 36 Years Ago
Motivating Your Sales Force – Tips from the Floor
By: Cheryl Winokur Munk

Broker/Funder/Industry Lists | Features (writer's columns)
Top Ten Stories Chosen by Readers | Top Stories last six months (Be Careful of Doing Business)
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Broker/Lessor Receives Early Payoff from Lessee
But Doesn't Pay Funder for Three Months

This Bulletin Board Complaint was referred to Leasing News via the Funder of the lease. Payments by the lessee were being made ACH.  It was not until three ACH payments were withdrawn did the lessee realize the lease was not paid off.  Upon calling the broker/lessor, the lease was paid off.  During this time the three payments added up to over $7,500.  The broker/lessor kept the difference of the payoff amount after three months and refused to reimburse the lessee.

There was no issue over a residual as the lease had a $1.00 purchase option. Technically it is a “capital lease,” which is basically a “loan.” 

It is not uncommon for early payoffs to be made by a broker/lessor, who often is responsible for personal property tax as well as the sales tax on the early payoff (especially in California).  In this case, the broker/lessor was in Arizona and the lessee was in Southern California.  The broker/lessor also was not licensed by the California Department of Business Oversight or in Arizona. (1)

When the lease was executed, the out of state funder was not licensed in California, but is today licensed.  Does the law extend to the current complaint?  Why did the lessee call the funder or broker/lessor when the first ACH payment was made after the early payoff was made to the broker/lessor? It took three ACH payments before they realized no payoff was made.

The amount in Small Claims Court for a commercial case is $5,000.  The cost for an attorney and court action could easily be $5,000 to $10,000, depending on the time involved with all parties as well as "discovery" and "depositions."  The lessee was willing to take the matter to Superior Court as well as the California Department of Business Oversight.

There is also the issue that the funder has a "Representation and Warrants” agreement with the broker/lessor.

At this time, both Leasing News and the Funder are putting pressure on the broker/lessor, holding the lessee off from filing court and DOB action.

(1) Arizona: All "advance fee loan brokers" must register annually with the state. Includes "commitment fees." Stiff penalty and on line form for a complaint for the state to investigate. Arizona Revised Statutes, sec. 06-1303-1310 (1996)

Registration process:



July, 2016 --The List
"The Good, the Bad and the Ugly"

Balboa Capital, Irvine, CA (07/16) Tagged for Quarterly Payment Scam

Ascentium Capital, Kingwood, Texas (07/16) Strong 2nd Quarter, $225.4 million during 2Q16 which includes a record month in June with origination volume representing 30% growth over the same period last year.

IMCA Capital, Los Angeles, CA (07/16) Changes name and operation
to "Currency," joins Aggregate Funding Source group:




Leasing Industry Help Wanted



Sales Make it Happen by Steve Chriest

“How to Overcome Vendor Working with Another Company”

"If the vendor says they are already working with a lease company and doesn't need your services, how does a broker counter that argument?”

It's often difficult to hear this from a prospective vendor you've targeted and with whom you could do good business. My advice is not to follow the advice of those who would counsel you to ask question after question in an effort to present your capabilities to the prospect. That approach may work in a few instances, but sophisticated buyers won't stand long for the obvious pushy sales approach.

Instead, I recommend something like this approach. "I, as much as anyone, appreciate customer loyalty. What would you change about your current vendor relationship if you could?" An answer with specifics to this question will tell you what your prospect wants to accomplish, fix or avoid in a vendor relationship. If this door opens, it's your job to connect your capabilities to what the prospect wants to accomplish, fix or avoid. That may be all that's needed to motivate the prospect to give you a chance to demonstrate your capabilities. 

You should, however, be prepared for this answer: "I'm perfectly happy with our vendor, and I wouldn't change anything." The prospect may really mean it! If that's the case, I've always found it best to thank the prospect for her time, and ask permission to keep in touch, since especially today, everything changes, and sometimes things change sooner than later.  

I advocate leaving the prospect appointment with win-win feelings. Your prospect will likely appreciate your respect for her time and your professional and mature approach. You can feel good about the fact that you may not win today with this prospect, but you win personally by losing fast. You're now free to pursue other potential vendors who are looking to improve their relationships with lenders. The good news is that everything changes, and when things change you want the prospect to remember you and take your call.



Steve Chriest is the CEO of Open Advance and author of “Selling to the E-Suite, The Proven System for Reaching and Selling Senior Executives and Business Acumen 101.”  He recently re-named his company from Selling-Up.  He produces video and radio blogs, as well as continuing as a columnist for Leasing News since 2005.
Sales Makes It Happen Articles:


Financial and Sales Training 
(For our "Lease School/Franchisors" list, please click here)

These individuals act as a consultant in 75% or more of their main business, actually training staff or individuals of a leasing company. These are not schools or franchisors, which can be viewed by clicking

Adrian Miller
Wheeler Business Consulting, LLC

Full List:


((Please Click on Bulletin Board to learn more information))
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Open Plan Office Space
– An Interview with Chris Lunny from Facebook

Open plan office space is factoring into the discussion on workplace wellness, talent retention, and knowledge worker productivity. We recently spoke to Chris Lunny from Facebook about the open floor plan in the Facebook HQ building. Chris is the Director of Facilities, Culinary and Security with Facebook. He oversees Facebook’s global real estate portfolio. Chris is also a licensed attorney and lives in Mill Valley with his wife, daughter, and dog Ludwig. You can also hear Chris speak at the CoreNet Global EMEA Summit in Amsterdam this September.


Question 1:  Facebook made news last year when Mark Zuckerberg introduced FB’s newest HQ building to the world via a live video stream. This no doubt expanded the discussion about workspaces and new ways of seeing the office space, given Facebook HQ’s open office floor plan. What were the significant reasons for Facebook wanting to operate in an open floor plan? And how has the open office environment changed the working experience at Facebook?

Chris Lunny
Director of Facilities, Culinary, Security

“Since its inception, Facebook has always been an open office plan
company. From Mark’s dorm room, to the house he rented in Palo Alto, to our first commercial offices, the team has always been seated in that fashion. We feel that this type of seating fosters collaboration and teamwork. Since it was just a few engineers sitting around a kitchen table, the company has grown significantly both in size, as well as the types of business conducted. While the offices today continue to remain primarily open, we offer a variety of different work environments to accommodate all types of work styles.”

Question 2: Since the building opened, what is the biggest lesson learned to date?

“Building 20 consists of a workspace bordered by an oval walking path that runs along the perimeter of the building. While we thought through the navigation of the office quite a bit before implementing this plan, one of the take-a-ways for our future buildings was that we needed to break up the open space even more.  Our next building will have a central “main street” run down the middle of the building with easy access to different teams.”

Question 3: What advice would you give to organizations that are contemplating an overhaul of their work environment and considering an open-­‐plan workspace?

“You can’t please everyone all of the time. While open plan works for the majority of our workforce, others prefer quieter, more secluded areas. Others might need private areas for phone calls and client meetings. The key is to provide a variety of options so that depending on the type of work that the employee wants to undertake, they can find the right space for it.
Join us at a CoreNet Global Summit this year in Amsterdam September 13, 2016, to hear more about how Facebook is attracting and retaining talent while staying true to their startup roots. Get additional workplace and talent solutions from other companies like Cisco, Unilever, Deloitte, Capital One, The Hartford, Cornell University, Google, the General Services Administration and more!

Or Join us in Philadelphia October 14 – 19



General Electric Moves into
Temporary Headquarters in Boston

200 to 300 employees are to be located in the temporary headquarters in Fort Point at 41 Farnsworth Street.

GE is building a much larger, three-building campus in the same neighborhood. General Electric Co.’s planned headquarters in Boston’s Seaport District includes a new 12-story glass building with a dramatic “solar veil” — a photovoltaic system angled over the roof and extending down its southern facade — and a wall of vertical wooden “fins” fronting Fort Point Channel.




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

Net Income Rises to $43.6 Billion
At FDIC-Insured Institutions In Second Quarter 2016

Community Bank Net Income Rises to $5.5 Billion

  • Loan Balances Increase $182 Billion During the Quarter
  • Net Operating Revenue of $179 Billion Is 3.3 Percent Higher Than a Year Ago
  • Community Banks Post Strong Growth in Lending and Revenues
  • Deposit Insurance Fund’s Reserve Ratio Surpasses 1.15 Percent Benchmark

“The banking industry reported largely positive results in the second quarter. However, the low interest rate environment continues to pose challenges for the industry.”
-- FDIC Chairman Martin J. Gruenberg

Commercial banks and savings institutions insured by the Federal Deposit Insurance Corporation (FDIC) reported aggregate net income of $43.6 billion in the second quarter of 2016, up $584 million (1.4 percent) from a year earlier. The increase in earnings was mainly attributable to a $5.2 billion (4.8 percent) increase in net interest income and a $981 million decline in expenses for litigation reserves at a few large banks. Banks increased their loan-loss provisions by $3.6 billion (44.2 percent) compared to a year ago, partly in response to rising levels of troubled loans to commercial and industrial borrowers, particularly in the energy sector. Financial results for the second quarter of 2016 are included in the FDIC’s latest Quarterly Banking Profile released today.

Of the 6,058 insured institutions reporting second quarter financial results, 60.1 percent reported year-over-year growth in quarterly earnings. The proportion of banks that were unprofitable in the second quarter fell to 4.5 percent from 5.8 percent a year earlier. This is the lowest percentage since the first quarter of 1998.

“Income and revenue both increased from a year ago, loan growth remained strong, the number of unprofitable banks was at an 18-year low, and there were fewer banks on the problem list. Community banks reported strong net income, revenue, and loan growth,” Chairman Gruenberg said.

“However, challenges continue,” he said. “Revenue growth remains sluggish as a prolonged period of low interest rates has put downward pressure on net interest margins. This has led some institutions to reach for yield, increasing their exposure to interest-rate risk.

“More recently, persistent stress in the energy sector has resulted in asset quality deterioration at banks that lend to oil and gas producers. We likely have not yet seen the full impact of low energy prices on the banking industry, particularly for consumer and commercial and industrial loans in energy-producing regions of the country.

“We will continue to closely monitor the environment in which banks operate, and we will remain vigilant as we conduct our supervision of the industry.”
Highlights from the Second Quarter 2016 Quarterly Banking Profile

Community Banks Post Strong Growth in Lending and Revenues: The 5,602 insured institutions identified as community banks reported a $41.2 billion increase in total loans and leases during the second quarter. During the past 12 months, loans and leases at community banks were up $122.8 billion (9.1 percent). Net operating revenue of $22.8 billion at community banks was $1.5 billion (7.1 percent) higher than a year earlier.

Net Operating Revenue of $179.3 Billion Is 3.3 Percent Higher Than a Year Ago: Loan growth helped lift revenue at most banks, as net interest income rose $5.2 billion (4.8 percent) compared to the second quarter of 2015. Noninterest income was $600 million (0.9 percent) higher, as trading income increased $1.4 billion (24.9 percent).

Loan Balances Increased by $182 Billion During the Quarter: Total loan and lease balances increased $181.9 billion during the second quarter. For the 12 months ended June 30, loans and leases increased $574.1 billion (6.7 percent). Residential mortgages increased $42.4 billion (2.2 percent) during the quarter, while real estate loans secured by nonfarm nonresidential real estate properties rose $26.9 billion (2.1 percent), and credit card balances increased $22.3 billion (3.1 percent).

Noncurrent Commercial and Industrial Loans Rose Again, While Total Noncurrent Loan Balances Declined During the Quarter: The amount of loans and leases that were noncurrent – 90 days or more past due or in nonaccrual status – fell $4.8 billion (3.4 percent) during the three months ended June 30. Noncurrent loans to commercial and industrial borrowers increased $2.1 billion (8.9 percent) during the quarter, largely as a result of weakness in loans to the energy sector. Net charge-offs of loans to commercial and industrial borrowers were $1.1 billion (100.3 percent) higher than a year ago, as total net charge-offs of all loans were $1.2 billion (13.1 percent) higher than in second quarter 2015.

“Problem List” Continues to Shrink: The number of banks on the FDIC’s Problem List fell from 165 to 147 during the second quarter. This is the smallest number of problem banks in more than seven years and is down significantly from the peak of 888 in the first quarter of 2011. Total assets of problem banks fell from $30.9 billion to $29.0 billion during the second quarter. Two banks failed during the quarter.

Deposit Insurance Fund’s Reserve Ratio Surpasses 1.15 Percent Benchmark: The DIF increased $2.8 billion during the second quarter, from $75.1 billion at the end of March to $77.9 billion at the end of June, largely driven by $2.3 billion in assessment income. The DIF reserve ratio rose from 1.13 percent to 1.17 percent during the quarter. Under previously approved FDIC regulations, once the reserve ratio exceeds 1.15 percent, lower regular assessment rates will go into effect. As a result of lower rates, the FDIC estimates that regular assessments paid by banks to the FDIC will decline by about one-third.

Quarterly Banking Profile Home Page (includes previous reports and press conference webcast videos)
Insured Institution Performance, Second Quarter 2016
Community Bank Performance, Second Quarter 2016
Deposit Insurance Fund Trends, Second Quarter 2016
Chairman Gruenberg's Press Statement
DIF Press Release

Congress created the Federal Deposit Insurance Corporation in 1933 to restore public confidence in the nation’s banking system. The FDIC insures deposits at the nation’s banks and savings associations, 6,058 as of June 30, 2016. It promotes the safety and soundness of these institutions by identifying, monitoring and addressing risks to which they are exposed. The FDIC receives no federal tax dollars—insured financial institutions fund its operations.

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

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



Shepherd/Chow Chow Mix
Scottsdale, Arizona  Adopt-a-Dog


Current on Vaccinations
Prefers a home without cats

"Chow Shep mix, loves dogs and kids! (will need high fenced yard). One of the best dogs ever!"

Lucky Paws Rescue
Kelly Perry – Executive Director, Owner
6423 East Thomas Road
Scottsdale, AZ 85251
P: 480-941-4135

Shelter Hours:
Shelter and adoptions are available by appointment ONLY


Most Influential Lawyers
in Equipment Finance and Leasing
Stewart Abramson
Andrew Alper

Thomas V. Askounis

Julie Babcock
Joe Bonanno, CLFP
Bill Carey
Richard Contino
James Coston, CLFP
Jonathan Fleisher
Marshall Goldberg
Kenneth Charles Greene, Esq.
Michael A. Leichtling
Malcolm C. Lindquist
Barry Marks, Esq., CLFP
David G. Mayer
Allan J. Mogol
Frank Peretore
John G. Sinodis
Ellen Michelle Stern
Mark Stout
Kevin Trabaris
Allan Umans
Mark Wada
Michael J. Witt
Irwin Wittlin


 Complete List with Biographies 


News Briefs---

CEO Lessor of Medical, Telecommunication, Info Tech,
  Banned for Company Expenses Spent at Walt Disney World 

Apple CEO Tim Cook blasts EU’s demand for $14.5B in taxes
  Steve Jobs Opened Factor in Cork, Ireland 36 Years Ago

Motivating Your Sales Force – Tips from the Floor
By: Cheryl Winokur Munk

Receivables Management LLC
John Kenny

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

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reporting provided by John Kenny)




--You May Have Missed It

What is your phone telling your rental car?


Baseball Poem

That is the Question?
2B or not 2B,
to take second
or be picked
off in disgrace
To be the
king of steal
or wander on
the baselines

Written by Robert L. Harrison
"Green Fields and White Lines," baseball poems,
McFarland & Company



Sports Briefs----


Jerry Rice to Colin Kaepernick: 'All lives matter. ...
 I respect your stance but don't disrespect the Flag'


California Nuts Briefs---

Message to Tech Firms From Palo Alto Mayor: Go Away. Please.

What NOT to do in San Francisco

Freedom Bridge in Santa Clara faces demolition
    despite bicyclists' protests

Monte Sereno: New beekeeping ordinance approved


“Gimme that Wine”

St. Helena’s Duckhorn Wine sold to San Francisco investor

Get a taste of Sonoma during Wine Country Weekend

Angwin winery importing Napa Valley soil for hillside vineyard

History runs deep in soils of Yakima Valley wine country

Free Mobile Wine Program

Wine Prices by vintage

US/International Wine Events

Leasing News Wine & Spirits Page


This Day in American History

      1685 - Caves used for dwellings were ordered evacuated and filled in by the Governor’s Council of Pennsylvania.  Early settlers in Pennsylvania, New York and Massachusetts lacked sawmills, even saws, as well as facilities for cutting and using stone.  Many poor and rich lived in caves dug into the sides of hills.
    1728 - Catholic nuns pioneered education in Louisiana. Only nine years after the founding of New Orleans, Ursuline nuns arrived in Louisiana to serve the sick and to teach and train the “casket girls.” These orphaned girls, who carried their belongings in caskets or small trunks, arrived from France as prospective wives of settlers. They received a dress in a casket as a gift for their immigration, introducing a new element into Louisiana society. Since these girls were not inmates of penal institutions, as were many of the predecessors, mostly had been arrested for prostitution as women had few ways of making money. It became and has remained an honor to be descended from a casket girl. The Ursuline Convent in New Orleans provided the best female education obtainable in the colony. Through the years, the nuns not only instructed young ladies from well-to-do families, but also housed, fed, and taught orphan girls. Sisters of the Sacred Heart founded schools such as St Michael’s Convent in Convent, Louisiana, where the small cypress desk displayed in this gallery was used. Views about female education varied with time and circumstances. Girls were often taught at home by mothers or tutors. Some were taught by French governesses or in small private schools. Others attended Common Schools in neighboring towns and boarded with family or friends.
Although fathers in isolated areas might consider female education dangerous, wealthy parents sometimes sent their daughters to France. Young ladies also enrolled in southern or eastern boarding schools, particularly as female seminaries proliferated in the nineteenth century. Regardless of circumstances, most parents viewed female education only as a preparation for marriage, motherhood, and home management.
    1803 – Lewis and Clark began their expedition from Pittsburgh, PA.
    1827 - Birthday of Anna Bartlett (1827-1915) on Long Island, NY.  She was an author of numerous books and novels and author of the hymn "Jesus Loves Me, This I Know." Collaborated on several books with her sister Susan Bogert Warner.
    1842 - Birthday of Mary Corinna Putnam Jacobi (1842-1906) in London.  Deciding to continue her medical training in France, became the first woman to enter "Ecole de Medecine." Graduating with honors, she returned to New York City to become a lecturer in Dr. Elizabeth Blackwell's Medical College and open a private practice. Because of her European training, she felt American women were not getting the quality of medical training they should and she became an exacting instructor as well as the organizer of the Association for the Advancement of the Medical Education of Women to improve the standards of women's medical training. She published more than 100 titles.
    1851 - Clipper "Flying Cloud" set new record by sailing from New York to San Francisco in 89 days.
    1864 - General William T. Sherman launches the attack that finally secures Atlanta, Georgia, for the Union, and seals the fate of Confederate General John Bell Hood's army, which is forced to evacuate the area. The Battle of Jonesboro was the culmination of a four-month campaign by Sherman to capture Atlanta.  Confederate General William Hardee's corps moved to block Sherman at Jonesboro, and attacked the Union troops on August 31, but the Rebels were thrown back with staggering losses. The entrenched Yankees lost just 178 men, while the Confederates lost nearly 2,000. On September 1, Sherman attacked Hardee. Though the Confederates held, Sherman successfully cut the rail line and effectively trapped the Rebels. Hardee had to abandon his position, and Hood had no choice but to withdraw from Atlanta. The fall of Atlanta was instrumental in securing the reelection of Abraham Lincoln in the fall.
    1865 - The Federal government estimated the Civil War had cost about $8 billion. Human costs have been estimated at more than one million killed or wounded.
    1870 - Maria Montessori (d. 1952) was born in Chiaravalle, Italy.  She founded the Montessori education philosophy, which became very popular
in the United States.   
    1875 - Birthday of Edward Stewart (Eddie) Plank (1875-1926), Baseball Hall of Fame pitcher, Gettysburg, PA. Plank won more games than any other left-handed pitcher in American League history during a 17-year career, with a 326-194 record and an ERA of 2.35.

    1881 - The first National tennis championship matches were held at Newport Casino, Newport, RI, by the United States Lawn Tennis Association, which introduced the first national uniform conditions. The single match was won by Richard Dudley Sears, who defeated W.E. Glyn 6-0, 6-3 and 6-2. The doubles were won by Clarence Monroe Clark and Frederick W. Taylor
    1886 – At Charleston, SC, the first major earthquake, magnitude 7.3, in the recorded history of the eastern US occurred around 9:50 pm.  Though a num­ber of smaller eastern US quakes had been described and recorded since 1638, this affected persons living in an area of some 2 million square miles. The epicenter was 15 miles northwest of Charleston, where 41 people died, 90 percent of the city’s 6,965 brick buildings were damaged, and nearly all of its 14,000 chimneys were broken off at the roof. Altogether, the earthquake claimed some 100 lives. A series of earthquakes beginning on December 16, 1811, were the most severe in the U.S. history---they changed the course of the Mississippi River and created many new lakes---but the epicenter was in a sparsely populated region and caused no known damage.
    1887 - Thomas Edison patented the Kinetoscope, the first device for producing motion pictures.
    1888 - Prostitute Mary Ann Nichols, the first victim of London serial killer “Jack the Ripper,” was found murdered and mutilated in Whitechapel’s Buck’s Row. The East End of London saw four more victims of the murderer during the next few months, but no suspect was ever found.  In 1892, with no leads found and no more murders recorded, the Jack the Ripper file was closed.
    1895 - A football team from Latrobe, PA defeated a squad from Jeanette PA, 12-0, which history has regarded as the first professional football game. Latrobe quarterback John Brallier was paid $10 expense money.
    1896 - Klondike Eldorado Gold Discovery: Two weeks after the Rabbit/Bonanza Creek claim was filed, gold was discovered on Eldorado Creek, a tributary of Bonanza. More than $30 million worth of gold (worth some $600-$700 million in today's dollars) was mined from the Eldorado Claim in 1896.
    1900 -  Mrs. Adolph Ladenburg rides a horse astride in the society spa of Saratoga, NY, and causes a scandal which fortunately doesn't last long because one writer said of the incident, "Farm women have been riding astride as long as there have been horses."
    1903 - A Packard made the first completed automobile trip from San Francisco to New York City. The trip took 52 days.
    1903 – One of television’s early stars, Arthur Godfrey (1903-83), was born in NYC.  No TV personality in 1950s America enjoyed more clout or fame than Godfrey, until an infamous on-air incident involving the up-and-coming Julius LaRosa undermined his folksy image and triggered a gradual decline. At the peak of his success, Godfrey helmed two CBS weekly series and a daily 90-minute television mid-morning show, but, by the early 1960s, his presence had been reduced to hosting the occasional TV special.
    1903 – Iron Man Joe McGinnity won both games of a doubleheader for the third time this month. He struck out nine batters in the opener to win. The two games totaled three hours and three minutes.
    1904 – The first African-American Olympic medalist was George C. Poage of the Milwaukee Athletic Club, Milwaukee, WI, who participated in the Third Olympiad at St. Louis, MO. He placed third in the 400-meter hurdles on August 31 and third in the 200-meter hurdles on September 1.
    1907 – Birthday of Edgar Sampson (1907-73) in New York City.  Great jazz arranger and also composer of “Blue Lou,” “Stompin’ at the Savoy,” “Don’t Be that Way,” much other swing literature.
    1908 – Writer William Saroyan (1908-81) was born in Fresno, CA.  “The Human Comedy.”  In the preface to “The Time of Your Life,” which won the 1940 Pulitzer Prize for Drama, which he refused, he urges:  “In the time of your life, live so that in that good time there shall be no ugliness or death for yourself or for any life your life touches. Seek goodness everywhere, and where it is found, bring it out of its hiding place and let it be free and unashamed.” Saroyan left school at the age of 15 but continued his education by reading and writing on his own, living on his writing from 1920. His stories of the Great Depression celebrated the joy of living in spite of poverty and insecurity. I worked with his brother who was controller at KGO-TV and a very generous man.
    1909 - The A.J. Reach Company was granted a patent for its cork-centered baseball, which will replace the hard rubber-cored one.
    1910 - Glenn Hammond Curtiss flew his biplane over Lake Erie from Euclid Beach Park, Cleveland, OH, to Cedar Point, Sandusky, OH. He flew at an altitude between 400 and 500 feet. The trip took 78 minutes nonstop over a distance of 70 miles to make the first flight over water.
    1913 – Ray Dandridge (1913-94), who many consider the finest 3B in Negro League history, was born in Richmond, VA.  He is one of two Negro League third baseman selected to the Baseball Hall of Fame, inducted in 1987.
    1917 – At Fenway Park, Babe Ruth won his 20th, beating the Philadelphia A’s, 5-3.   He finished with a 24-13 record and a 2.01 ERA.  He recorded 6 shutouts and 35 complete games, a total that has only been exceeded once in Major League history since, by Bob Feller in 1946.   This followed 1915 when he was 18-8, 2.44 and 1916 at 23-12, 1.75.   
    1918 - Birthday of Kenneth S. (Kenny) Washington (1918-71) at Los Angeles, CA. After gaining All-American football honors at UCLA where he was a teammate of Jackie Robinson, Washington and Woody Strode became the first blacks to play in the NFL after World War II, signing with the Los Angeles Rams and breaking the league’s color barrier. He played three seasons and then retired to a career in business.
    1918 – Alan Jay Lerner (1918-86) of the songwriting team of Lerner and Loewe was born in NYC.  He created some of the world's most popular and enduring works of musical theatre for both the stage and on film. He won three Tony Awards and three Academy Awards, among other honors.  Their first hit was “Brigadoon” (1947), followed in 1951 by the less successful “Paint Your Wagon.”  In that same year Lerner also wrote the Oscar-winning original screenplay for “An American in Paris.”  In 1956, Lerner and Loewe unveiled “My Fair Lady.”  “Camelot” followed in 1960.
    1920 - The first ever news program was broadcast by the radio station 8MK in Detroit, Michigan. The station had opened its service on August 20.
    1920 - John Lloyd Wright second son of Frank Lloyd Wright, was issued a patent for "Toy-Cabin Construction," which are known as Lincoln Logs; U.S. patent 1,351,086.  Lincoln Logs were invented sometime around 1916-1917 when John Lloyd Wright was working in Japan with his father.  The mold for the toy was based on the architecture of the Imperial Hotel in Tokyo, designed by the inventor's father. The foundation of the hotel was designed with interlocking log beams, which made the structure "earthquake-proof".  The toy and its inventor entered the Toys Hall of Fame in 1999. 
    1923 – Giants owner Charles Stoneham was indicted by a federal grand jury for perjury and mail fraud. He had denied any ownership in two bucket-shop operations that had been found guilty of stock frauds; creditors of the two firms claimed he retained financial interests in both. Other NL owners were rumored to be forming a pool to buy him out, but Stoneham stayed out of jail and in the NL.  The team eventually passed upon his death in 1936 to his son, Horace, who would oversee the relocation of the Giants to San Francisco before selling the team in 1976.
    1928 - Bertolt Brecht's “The Three-penny Opera" ("Die Dreigoschenoper") with music by Kurt Weill was premiered in Berlin with Lotte Lenya.  By 1933, when Weill and Brecht were forced to leave Germany by the Nazi regime, the play had been translated into 18 languages and performed more than 10,000 times on European stages.  Songs from “The Threepenny Opera” have been widely covered and become standards, most notably "Die Moritat von Mackie Messer" ("The Ballad of Mack the Knife") and "Seeräuberjenny" ("Pirate Jenny"). In 2015, the Library of Congress added "Mack the Knife" by Louis Armstrong and Bobby Darin to the National Recording Registry.
    1928 - Birthday of Academy Award-winning actor James Coburn (1929-2002) at Laurel, NE. He rose to fame as the knife thrower in “The Magnificent Seven” and became known for his tough-guy roles in films such as “The Great Escape,” “In Like Flint,” and “Our Man Flint.”  He received an Oscar for his supporting role in 1999’s “Affliction.” 
    1934 - The first College All-Star Football Game, matching the defending NFL champion against team of college seniors from the previous season, was played at Chicago’s Soldier Field. Organized by sportswriter Arch Ward, the same writer who thought of the first Major League All-Star Game, the game was an annual charity affair played through 1976.   In the first game, the Chicago Bears and the All-Stars played to a 0-0 tie before a crowd of 79,432.
    1935 - In an attempt to stay out of the growing turmoil in Europe, the United States passed the first Neutrality Act.  Also, the act of exporting US arms to belligerents was prohibited by an act signed by President Roosevelt.
    1935 – Frank Robinson was born in Beaumont, TX.  Robinson attended McClymonds HS in Oakland, California, where he was a basketball teammate of NBA Celtics Hall of Famer Bill Russell, and a baseball teammate of future Major Leaguers Vada Pinson and Curt Flood. The only player to win league MVP honors in both the National and American Leagues, he won the Triple Crown, was a member of two World Series champions (the 1966 and 1970 Baltimore Orioles) and retired with the fourth-most career home runs at the time of his retirement (he is currently ninth). Robinson was elected to the Baseball Hall of Fame in 1982.  Robinson was the first African-American manager in Major League history, managing the Cleveland Indians during the last two years of his playing career, compiling a 186–189 record. He went on to manage the SF Giants, Baltimore Orioles, and the Montreal Expos/Washington Nationals.
    1936 – Birthday of Marva Collins (1936-2015) in Monroeville, AL.  She founded Chicago’s Westside Preparatory School in 1975 in Garfield Park, Illinois, that transforms so-called “unteachable” ghetto children into scholars.
    1938 - Frank Sinatra, 23, cuts “All or Nothing at All” with James Band, Columbia records.
    1939 - At noon, despite threats of British and French intervention, Nazi leader Adolf Hitler signs an order to attack Poland, and German forces move to the frontier. That evening, Nazi S.S. troops wearing Polish uniforms staged a phony invasion of Germany, damaging several minor installations on the German side of the border. They also left behind a handful of dead German prisoners in Polish uniforms to serve as further evidence of the alleged Polish attack, which Nazi propagandists publicized as an unforgivable act of aggression. At dawn the next morning, 58 German army divisions invaded Poland all across the 1,750-mile frontier. Hitler expected appeasement from Britain and France--the same nations that had given Czechoslovakia away to German conquest in 1938 with their signing of the Munich Pact. However, neither country would allow Hitler’s new violation of Europe’s borders, and they presented Germany with an ultimatum: Withdraw by September 3 or face war with the Western democracies. At 11:15 a.m. on September 3, a few minutes after the expiration of the British ultimatum, Prime Minister Neville Chamberlain appeared on national radio to announce solemnly that Britain was at war with Germany. Australia, New Zealand, and India immediately followed suit. Later that afternoon, the French ultimatum expired, and at 5:00 p.m. France declared war on Germany. The European phase of World War II began.
    1940 – St. Cecilia HS football coach, Vince Lombardi (27), married Marie Planitz at Our Lady of Refuge Church in The Bronx.
    1943 – USS Harmon, a destroyer, the first Navy ship to be named after a black person, was commissioned.  It was named after Mess Attendant Leonard Roy Harmon (1917-42) who was posthumously awarded the Navy Cross for his actions on the USS San Francisco at Guadalcanal where he was killed in action.
    1945 - Van Morrison is born in Pottinger, Northern Ireland. His biggest hit is the top 10 song “Domino,'' released in 1970.
    1945 – World renowned violinist and conductor Itzhak Perlman was born in Tel Aviv in what was then known as Palestine, part of the British Empire.  Coincidentally, he made his US debut on “The Ed Sullivan Show” on the same night as The Rolling Stones.
    1946 – Two-time Super Bowl-winning New York Giants head coach, Tom Coughlin, was born in Waterloo, NY.  After a long career as a college and NFL coach, he took over the New York Giants in 2004 and resigned after the 2015 season.  Including the postseason, his NFL coaching record is 182-157.
    1949 – Actor Richard Gere was born in Philadelphia.
    1950 - KOUMA, ERNEST R., Medal of Honor
Rank and organization: Master Sergeant (then Sfc.) U.S. Army, Company A, 72d Tank Battalion. Place and date: Vicinity of Agok, Korea, 31 August and 1 September 1950. Entered service at: Dwight, Nebr. Born: 23 November 1919, Dwight, Nebr. G.O. No.: 38, 4 June 1951. Citation: M/Sgt. Kouma, a tank commander in Company A, distinguished himself by conspicuous gallantry and intrepidity at the risk of his life above and beyond the call of duty in action against the enemy. His unit was engaged in supporting infantry elements on the Naktong River front. Near midnight on 31 August, a hostile force estimated at 500 crossed the river and launched a fierce attack against the infantry positions, inflicting heavy casualties. A withdrawal was ordered and his armored unit was given the mission of covering the movement until a secondary position could be established. The enemy assault overran 2 tanks, destroyed 1 and forced another to withdraw. Suddenly M/Sgt. Kouma discovered that his tank was the only obstacle in the path of the hostile onslaught. Holding his ground, he gave fire orders to his crew and remained in position throughout the night, fighting off repeated enemy attacks. During 1 fierce assault, the enemy surrounded his tank and he leaped from the armored turret, exposing himself to a hail of hostile fire, manned the .50 caliber machine gun mounted on the rear deck, and delivered pointblank fire into the fanatical foe. His machine gun emptied, he fired his pistol and threw grenades to keep the enemy from his tank. After more than 9 hours of constant combat and close-in fighting, he withdrew his vehicle to friendly lines. During the withdrawal through 8 miles of hostile territory, M/Sgt. Kouma continued to inflict casualties upon the enemy and exhausted his ammunition in destroying 3 hostile machine gun positions. During this action, M/Sgt. Kouma killed an estimated 250 enemy soldiers. His magnificent stand allowed the infantry sufficient time to reestablish defensive positions. Rejoining his company, although suffering intensely from his wounds, he attempted to resupply his tank and return to the battle area. While being evacuated for medical treatment, his courage was again displayed when he requested to return to the front. M/Sgt. Kouma's superb leadership, heroism, and intense devotion to duty reflect the highest credit on himself and uphold the esteemed traditions of the U.S. Army.
    1950 - Top Hits
“Mona Lisa” - Nat King Cole
“Play a Simple Melody” - Bing Crosby
“Sam’s Song” - Bing & Gary Crosby
“Goodnight Irene” - Red Foley and Ernest Tubb
    1950 - First baseman Gil Hodges of the Brooklyn Dodgers became the sixth player in Major League history to hit four home runs in one game. He was one of my favorite baseball players, and I got his autograph, too. He added a single as the Dodgers beat the Boston Braves, 19-3.
    1951 - *LYELL, WILLIAM F., Medal of Honor
Rank and organization: Corporal, U.S. Army, Company F, 17th Infantry Regiment, 7th Infantry Division. Place and date: Near Chup'a-ri, Korea, 31 August 1951. Entered service at: Old Hickory, Tenn. Birth: Hickman County, Tenn. G.O. No.: 4, 9 January 1953. Citation: Cpl. Lyell, a member of Company F, distinguished himself by conspicuous gallantry and outstanding courage above and beyond the call of duty in action against the enemy. When his platoon leader was killed, Cpl. Lyell assumed command and led his unit in an assault on strongly fortified enemy positions located on commanding terrain. When his platoon came under vicious, raking fire which halted the forward movement, Cpl. Lyell seized a 57mm. recoilless rifle and unhesitatingly moved ahead to a suitable firing position from which he delivered deadly accurate fire completely destroying an enemy bunker, killing its occupants. He then returned to his platoon and was resuming the assault when the unit was again subjected to intense hostile fire from 2 other bunkers. Disregarding his personal safety, armed with grenades he charged forward hurling grenades into 1 of the enemy emplacements, and although painfully wounded in this action he pressed on destroying the bunker and killing 6 of the foe. He then continued his attack against a third enemy position, throwing grenades as he ran forward, annihilating 4 enemy soldiers. He then led his platoon to the north slope of the hill where positions were occupied from which effective fire was delivered against the enemy in support of friendly troops moving up. Fearlessly exposing himself to enemy fire, he continuously moved about directing and encouraging his men until he was mortally wounded by enemy mortar fire. Cpl. Lyell's extraordinary heroism, indomitable courage, and aggressive leadership reflect great credit on himself and are in keeping with the highest traditions of the military service.
    1953 - Birthday of American composer Peter Scott Lewis, born San Rafael, CA.
    1954 - Hurricane Carol swept across eastern New England killing sixty persons and causing $450 million damage. It was the first of three hurricanes to affect New England that year
    1955 - William G. Cobb of the General Motors Corporation gave a publicly demonstration of a solar-powered car. It had 12 photoelectric cells made of selenium which converted light into electric current.  The current powered a tiny electric motor with a drive shaft connected to the rear axle by a pulley. It was to be the car of the future, with full production before 1960.
    1958 - Top Hits
“Nel Blu Dipinto Di Blu (Volare)” - Domenico Modugno
“Little Star” - The Elegants
“My True Love” - Jack Scott
“Blue Blue Day” - Don Gibson
    1958 - Fidel Castro, Che Guevara and their rag-tag rebel army begin their destruction of the US-supported and Mafia-controlled dictatorship. Juan Batista said he could control the “minor rebellion” and the US believed him, as well as decades of other dictators in Central and South American countries, who were supported because they were “anti-Communist.”
    1959 – The Dodgers’ Sandy Koufax established the National League strikeout record of 18 in a 5–2 win over the Giants in front of nearly 83,000 fans at the LA Coliseum, the largest ever to see a Major League game.  It broke the record held by Dizzy Dean.
    1963 - The Ronettes single, "Be My Baby" enters the charts.  Written by Jeff Barry, Ellie Greenwich and Phil Spector.  In 2004, the song was ranked 22 by Rolling Stone in its list of The 500 Greatest Songs of All Time and described as a "Rosetta stone” for studio pioneers such as The Beatles and Brian Wilson who declared, “… 'Be My Baby' the greatest pop record ever made—no arguments here.”  In 1999, it was inducted in the Grammy Hall of Fame, and in 2006, the Library of Congress honored the Ronettes' version by adding it to the US National Recording Registry.
    1963 - "My Boyfriend's Back" by the Angels topped the charts and stayed there for 3 weeks.
    1966 - Top Hits
“Summer in the City” - The Lovin’ Spoonful
“Sunny” - Bobby Hebb
“See You in September” - The Happenings
“Almost Persuaded” - David Houston
    1968 - Cream's "Fresh Cream" enters the LP chart. It contains the hit single, "Sunshine of Your Love."
    1968 - Decca Records releases what has been called The Rolling Stones most political song, "Street Fighting Man." The number was written after Mick Jagger attended a March 1968 anti-war rally at London's US embassy, during which mounted police attempted to control a crowd of 25,000. The single proved to be very popular, but was kept out of the US Top 40 (reaching #48) because many radio stations refused to play it based on what were perceived as subversive lyrics.
    1968 – Former Major League pitcher Hideo Nomo was born in Japan.  Nomo pitched in 13 seasons in the Majors with 8 different teams, before retiring in 2008. He was 1995’s Rookie of the Year and he twice led the league in strikeouts.  He also threw two no-hitters and until 2015 had been the only Japanese pitcher in the Majors to do so.
    1970 – Debbie Gibson was born in Brooklyn.
    1971 – The low of 84 degrees and high of 108 degrees at Death Valley, CA, were the coolest of the month. The average daily high was 115.7 degrees that August, and the average daily low was 93.4 degrees
    1973 – Paul McCartney receives a Gold record for “Live and Let Die.”
    1974 – Top Hits
“(You’re) Having My Baby” – Paul Anka
“I Shot the Sheriff” – Eric Clapton
“Tell Me Something Good” – Rufus
“The Grand Tour” – George Jones
    1974 – “The Partridge Family’’ television show ends, leaving David Cassidy free to pursue a solo music career.
    1974 – Carole King’s ‘Jazzman’ released in US.
    1976 – “Alice” premiers on TV. Linda Lavin played the title role in this CBS comedy that was based on the 1975 film “Alice Doesn’t Live Here Anymore.” Alice Hyatt was the new girl in town---a widow raising her son while trying to make ends meet by waitressing at a diner. She had dreams of making it big as a singer. Nine years later, Alice was able to leave her “temp” job for a gig. Lavin’s co-stars were: Vic Tayback as diner owner Mel Sharples, Philip McKeon as Alice’s son Tommy, Beth Howland as the waitress Vera Gorman, Polly Holiday as sassy waitress Flo Castleberry, Diane Ladd as Flo’s replacement Belle Dupree, Celia Weston as waitress Jolene Hunnicutt, Martha Raye as Mel’s mother Carrie and Marvin Kaplan as customer Henry Bessmyer. The last telecast aired on July 2, 1985.
    1976 - George Harrison is found guilty of "subconscious plagiarism" of the Chiffons hit "He's So Fine" in his "My Sweet Lord.”
    1980 - Pat Benatar's "Crimes of Passion" LP enters the chart. The album features her signature song "Hit Me with Your Best Shot."
    1982 - Top Hits
“Eye of the Tiger” - Survivor
“Hurts So Good” - John Cougar
“Abracadabra” - The Steve Miller Band
“Fool Hearted Memory” - George Strait
    1984 - Lightning ignited several forest fires in Montana, one of which burned through 100,000 acres of timber and grassland.
    1985 - Bryan Adams' "Summer of '69" peaks at #5 on the pop singles chart while Billy Joel's "You're Only Human (Second Wind)" peaks at #9
    1985 - California's "Night Stalker" killer Richard Ramirez was captured by residents of an East Los Angeles neighborhood. His highly publicized home invasion crime spree terrorized the residents of the greater Los Angeles area, and later the residents of the San Francisco area, from June 1984 until August 1985.
    1987 - The largest preorder of albums in the CBS Records history occurred when 2.25 million copies of Michael Jackson’s "Bad" album were shipped to record stores. The LP was the follow up to "Thriller", the biggest Jackson-seller of all time which sold 35 million copies. The "Bad" album was successful by normal standards, but flopped compared to "Thriller," selling only 13 million copies.
    1987 - Eight cities in Washington and Oregon reported record high temperatures for the date, including Eugene, OR and Portland, OR with afternoon highs of 102 degrees. The high of 102 degrees at Portland smashed their previous record for the date by twelve degrees. Frost was reported in South Dakota. Aberdeen, SD established a record for the month of August with a morning low of 32 degrees, and Britton, SD dipped to 31 degrees.
    1988 - Five-day power blackout of downtown Seattle begins.
    1988 - Arbitrator George Nicolau ruled against the Major League owners in the "Collusion II” case, agreeing with the players' contention that the owners conspired to fix the free agent market after the 1986 season. Twelve players were granted no-risk free agency after the season, as well as monetary compensation.
    1989 - Thunderstorms developing along a stationary front spread severe weather from Minnesota to Indiana through the course of the day and night. Thunderstorms in Minnesota produced baseball size hail near Saint Michael and Hutchinson, and drenched Moose Lake with nine inches of rain in six hours. Tucson AZ hit 100 degrees for a record 79th time in the year, surpassing a record established the previous year.
    1989 - Arbitrator Thomas Roberts ordered the Major League owners to pay $10.5 million in damages as a result of their collusion against free agents after the 1985 season.
    1990 - Ken Griffey, Jr, 20, and Ken Griffey, Sr., 40, made Major League history by becoming the first father and son to play together in the same game. They played for the Seattle Mariners in a game against the Kansas City Royals.  Junior entered the Baseball Hall of Fame in 2016.
    1990 - Top Hits
“Vision of Love” - Mariah Carey
“Come Back to Me” - Janet Jackson
“If Wishes Came True” - Sweet Sensation
    1991 - Metallica's self-titled album debuts at No. 1 on Billboard's pop album chart.
    1995 - The Rock and Roll Hall of Fame and Museum opens in Cleveland. The city is argued to be the birthplace of rock beginning in the rooms of radio station WMMS, where disc jockey Alan Freed coined the term “rock 'n' roll'' in the early 1950s.
    1996 - Oklahoma State University defeated Southwest Missouri State University, 23-20, in the first Division I-A college football game to be decided in overtime. The game was tied, 17-17, at the end of regulation time. Under new rules effective that year, Southwest Missouri State go the ball first in overtime and kicked a 47-yard field goal. Oklahoma State then got the ball and answered with a 13-yard touchdown run.
    1997 - Lady Diana Spencer, former wife of Charles, Prince of Wales, was killed along with her companion Dodi Fayed in a car accident in Paris. Tests conducted by French police indicated that the driver, who also perished in the crash, was intoxicated and likely caused the accident while trying to escape the paparazzi photographers who were following them.
    2001 - Due to the fact Little League World Series star pitcher Danny Almonte is 14 years old, not 12 as required by the organization's rules, the Raulindo Paulino All-Stars are stripped of all its wins. The team, which had captured the heart of the community, finished third in Williamsport and were given a parade in New York and honored before a game at Yankee Stadium.
    2001 - Former minor leaguer Lawrence “Crash” Davis (1919-2001) died after a year-long bout with cancer. The 82-year old got a late-life shot of celebrity because of the 1988 movie “Bull Durham”, in which the main character played by Kevin Costner bore his name. Davis played 2B for the Philadelphia A’s, 1940-42. After serving in the Navy during World War II, he returned to pro baseball in 1946 but never made it back to the majors. In 1948, he hit .315 with the Durham Bulls and set a Carolina League record with 50 doubles.
    2002 - Losing their 13th consecutive game at Shea Stadium to Randy Wolf and the Phillies, 1-0, the Mets complete the worst month at home in National League history. The Amazins' join the Seattle Pilots (August, 1969) and the Tigers (September, 1996) as teams that have not won a home game in a calendar month with at least ten games.
  2011 - Severe damage to homes and infrastructure occurs as wildfires sweep through the U.S. states of Oklahoma and Texas  



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- George Davis Passes Away
- Top Five Leasing Company Websites
  in North America
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   Response from Friends in Leasing & Finance
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  55 CLFPs, the Company with the Most in the Industry
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CLFP Foundation Adds 36 New CLFP's
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that Brokers Need Licenses and Lessors Can’t Pay Unlicensed Brokers
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   in the IFC Credit Bankruptcy “Approved Disbursements?”
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  on Lease Payoff Quote
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   Bulletin Board Complaints
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   Menkin has an Epiphany
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- FICO Score: Excellent to Bad
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   CLFP Foundation Announce Collaboration
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   by New FASB and IFRS Lease Accounting Rules
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    and Make Extra Income
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    Record All-Time Highs
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   Re: Evergreen Clause Abuses
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- Balboa Capital, Irvine, California
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- Female Lease Finance Association Presidents
- Broker’s Responsibility to Obtain
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  ---Automatic Evergreen Payment---PPR
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    by Christopher Menkin
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- Special Report: Part I
   Could Church Kiosks, Royal Link Carts, NorVergence results been avoided?

   The use of “Equipment Finance Agreements”
- Special Report: Part II
    Bank of the West

   Equipment Lease Agreement (EFA)
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