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######## surrounding the article denotes it is a “press release,” it was not written by Leasing News nor has the information been verified, but from the source noted. When an article is signed by the writer, it is considered a “byline.” It reflects the opinion and research of the writer.

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Review of a Top Producer Database Management
By Scott Wheeler, Sales Makes it Happen

Earlier in 2023, I helped review the database of a top producer. The database was a living document with constant alterations to track his prospects, opportunities, and clients. The information was all up-to-date. His contacts were current - sales representatives within vendors were marked by tenure, sales volume, territory, and financing activity.

The originator had a multi-dimensional ranking system for his vendors and end-users; and qualifying matrices to move vendors and end-users up and down through the ranking system. The database tracked competitors and his ability to compete.

His CRM provided him with the necessary tools to maximize his time, organization, and personal production. His sales volume within his company was always 50% greater than his peers. His database management skills allowed him to outperform his internal peers and external competitors.

As a top producer, you should have a robust, ever-changing database that is current and meaningful. It is well worth the time and effort to be organized. A meaningful database allows an originator to be proactive in the market, rather than reactive.

A meaningful database allows an originator to be more efficient, better prepared, and professional. A meaningful database allows an originator to work smarter and to maximize his income.

The databases of top producers reflect these changes with new clients, new prospects, and ranking systems that place past clients into proper categorizations.

A strong database reflects current market conditions.

A low ranked 2022 prospect may suddenly become a top priority in the third quarter of 2023.

Conversely, a top 2022 client may now be a low-ranked opportunity. The market has changed. Prospects' and clients' requirements change. An originator's capabilities and priorities may change. Therefore, an originator's database should also reflect change.

Scott A. Wheeler, CLFP
Wheeler Business Consulting
1314 Marquis Ct.
Fallston, Maryland 21047
Phone: 410 877 0428
Fax: 410 877 8161
Email: scott@wheelerbusinessconsulting.com
Web: www.wheelerbusinessconsulting.com

Wheeler Business Consulting is working with individual originators and sales teams throughout the industry to ensure that they are well positioned in the market, capturing their fair share of business, and outperforming the competition. To schedule a one-on-one meeting contact Scott Wheeler at: scott@wheelerbusinessconsulting.com

Sales Makes it Happen articles:
http://www.leasingnews.org/Legacy/index.htm

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New Hires/Promotions in the Leasing Business
and Related Industries

Steven Holben, CLFP, was promoted to Senior Director Digital Strategy and Ordinations, Mitsubishi HC Capital, Inc. He is located in Carol Stream, Illinois. He joined the company April, 2023 as Director of Digital Sales Strategy. Previously, he was at ENGS Commercial Finance Co., starting July, 2015, promoted December, 2020, Director, Digital Sales Strategy
https://www.linkedin.com/in/steven-holben-clfp-581015a/details/experience/
https://www.linkedin.com/in/steven-holben-clfp-581015a/

Zachary Thompson was hired as Senior Account Executive, Reliant Capital, Costa Mesa, California. He is located in Mission Viejo, California. Previously, he was Senior Finance Manager, Navitas Credit
Corporation (July, 2022 - July, 2023); Sr. Finance Manager, Amur Equipment Finance (December, 2019 - June, 2022); Started at Anuva Capital July, 2015, Outside Sales, promoted Vendor Management, May, 2017, promoted July, 2018 Vice President of Sales
https://www.linkedin.com/in/zachary-thompson-thc/details/experience/
https://www.linkedin.com/in/zachary-thompson-thc/

Sarah Zeiher was announced by Honour Capital co-founders Brian Slipka and Shea as Vice President – Strategic Operations & Technology, Minneapolis, Minnesota. She joined the company in this position June, 2023. Previously, she was Vice-President, Lease Operations, CoBank (September, 2019 - July, 2022); Vice President, Wells Fargo (April, 2003 - September, 2019).
https://www.linkedin.com/in/sarah-zeiher-950b184

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Leasing and Finance Industry Help Wanted
We Are Growing Our Senior Sales Team Now!
www.topmarkfunding.com/careers

Embracing Strategic Risk-Taking:
Igniting Career Growth through Bold Choices
By Ken Lubin, ZRG Partners

In the ever-evolving landscape of today's professional world, the age-old adage "no risk, no reward" holds more truth than ever before. Strategic risk-taking, the deliberate pursuit of calculated opportunities beyond one's comfort zone, has emerged as a powerful catalyst for fostering remarkable career growth and development. Thinking about the art of strategic risk-taking and exploring how venturing into uncharted territories can propel your career to new heights.

The Power of Calculated Risks: At first glance, the idea of deliberately stepping into the unknown might seem daunting. However, it's precisely these calculated risks that set the stage for monumental achievements. Taking on new projects or roles that challenge your existing skill set can be the catalyst for unlocking untapped potential and acquiring fresh skills. While the path may be less certain, the journey itself becomes a transformative experience, fostering adaptability and resilience - qualities that are highly sought after in today's dynamic job market.

Stepping Out of the Comfort Zone: Comfort zones, while inherently reassuring, can also be confining. Remaining stagnant within the confines of familiarity can inadvertently hinder professional growth. By embracing strategic risk-taking, you're not only embracing the thrill of new challenges but also expanding your horizons. Venturing beyond your comfort zone introduces you to novel perspectives, allowing you to broaden your skill set and develop a broader range of competencies.

Learning Through Experience: In the realm of strategic risk-taking, every new endeavor serves as a learning laboratory. The experiences gained from taking calculated risks contribute to an ever-expanding toolkit of problem-solving abilities, innovation, and strategic thinking. Each obstacle surmounted and each goal achieved refines your ability to navigate complex situations, ultimately enhancing your career prospects.

Navigating the Terrain: While the notion of risk-taking might conjure images of recklessness, it's crucial to emphasize that strategic risk-taking is a methodical process. It involves comprehensive research, careful evaluation of potential outcomes, and a clear understanding of your own strengths and weaknesses. Crafting a well-informed plan and seeking advice from mentors or colleagues can mitigate unnecessary pitfalls and guide your journey toward success.

Seizing Opportunities for Career Growth: Strategic risk-taking opens the door to a multitude of opportunities for career growth and advancement. By actively seeking out challenges, you're positioning yourself as a forward-thinker who is unafraid to tackle uncharted territory. This proactive stance can catch the attention of supervisors and decision-makers, potentially leading to promotions, raises, and a reputation as an invaluable asset within your organization.

In a world that rewards innovation and agility, strategic risk-taking has evolved from a daring concept to an essential career strategy. The pursuit of calculated opportunities beyond one's comfort zone not only ignites personal and professional growth but also positions individuals as pioneers in their fields.

Embracing strategic risk-taking equips you with a formidable set of skills, experiences, and achievements that can catapult your career to unprecedented heights. So, why wait on the sidelines? Take that leap, embrace the unknown, and embark on a journey that will redefine your career trajectory. After all, the greatest rewards often lie just beyond the boundaries of familiarity.

Ken Lubin
Managing Director
ZRG Partners, LLC
Americas I EMEA I Asia Pacific
C: 508-733-4789
https://www.linkedin.com/in/klubin

The Ultimate Hire Collections:
http://leasingnews.org/Conscious-Top%20Stories/ultimate.htm

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Report on Household Debt and Credit
Data from New York Federal Reserve Bank
by WalletHub

The top news by the New York Fed revealed that U.S. households paid off roughly $170 billion in debt during the past quarter. WalletHub’s Household Debt Report adjusts data for inflation to accurately show how debt compares to historical levels. You can find key highlights below.

Key Stats:

Consumers paid down a total of $170 billion in debt during Q2 2023 – 21% more than in Q1 2023 and 5% less compared to Q2 2022.

Total household debt fell to $17.13 trillion in Q2 2023, and WalletHub now projects that U.S. households will end the year with $350+ billion more debt than they started with.

The average household owed a total of $143,762 at the end of Q2 2023, only $14,339 below WalletHub’s projected breaking point for household finances.

Household mortgage debt decreased by roughly $161 billion in Q2 2023 - the sixth biggest Q2 paydown since 2004.

Auto loan debt increased by $3 billion in Q2 2023 – the first second-quarter increase since 2020.

Debt from home equity lines of credit (HELOC) fell by $2.7 billion in Q2 2023 - the 15th consecutive Q2 paydown but the fifth smallest overall.

Full Report with graphs by Wallet Hub:
https://wallethub.com/edu/d/household-debt-report/120725

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Downtown Travel Has Not Recovered
from COVID-19, Data Show
By Mathew W. Daus, Esq.

Downtown activity in major cities continues to lag behind pre-COVID-19 days, perhaps the most lasting side effect of remote work. A study of near real-time traffic activity in downtown areas indicates that most of the largest U.S. cities have yet to return to pre-2020 levels. The report and analysis, which looked at 20 downtown districts, was conducted by INRIX, a traffic and transportation technology firm.

San Francisco, a longtime epicenter of the tech and financial worlds, remains one of the most lagging downtowns, a sign of just how intensely (and permanently) the city’s workers transitioned to remote work during the pandemic. Traffic activity in San Francisco is still down 41 percent below 2019 levels, according to the report.

While New York City, the most job-dense downtown, is the outlier. Traffic activity in the Big Apple is only five percent below 2019 levels. New York City is also notable for having a variety of job types, beyond just the information, finance and professional services sectors — known as IFPS at the U.S. Bureau of Labor Statistics. These sectors, plentiful in cities like San Francisco, Seattle and Washington, D.C., are some of the most adaptable to a work-from-anywhere posture.

That abrupt transition left office space uncomfortably dark, and downtowns eerily quiet. Some of the effects of this transition has been, yes, reduced greenhouse gas emissions from car travel and less time spent in traffic, but also depressed downtown economies as restaurants, shops and other services struggle. Public transit has also failed to recover with ridership still down 45 percent in San Francisco; 43 percent in Chicago; 35 percent in Washington, D.C.; and 28 percent in New York.

Matthew W. Daus, Esq.
Partner and Chairman, Windels Marx Transportation Practice Group
President, International Association of Transportation Regulators,
Transportation Technology Chair, University Transportation Research Center
Contact: mdaus@windelsmarx.com
156 West 56th Street | New York, NY 10019
T. 212.237.1106 | F. 212.262.1215

Full Report:
https://www.govtech.com/fs/downtown-travel-has-not-recovered-from-covid-19-data-shows

Correction
Broken Links Can Be Fixed by Clearing Your Browser

Dale Kluga, CPA
Founder & President, Cobra Capital nka
Providence Equipment Finance

"Yes it is Kit. After the banking industry debacle from unrealized losses on investment securities occurred this past spring and after we successfully completed my 7 year contract with record returns, the bank reluctantly decided to exit all national businesses and return to their core local community banking business.

“We thank all of our Cobra Capital and PEF partners for their support over the last 23 years and of course our loyal PEF staff and all the support provided by the bank over the last 7 years.

“It was a great run and we had a lot of fun delivering our trademarked ‘Solutions that work’ services for all of our stakeholders."

Dale
dalekluga@gmail.com
630-675-0828
Dalekluga.com

Please publish letter from Providence Bank & Trust President PDF

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

TBF Celebrates 25 Years as Innovator in
Equipment Finance

Company Celebration of Anniversary

Company’s pioneering work in commercial debt buying has expanded to other finance sectors,
through many economic cycles

HIGHWOOD, IL. Twenty five years ago, Robert Boehm and his sons Brett and Adam founded TBF Financial (TBF) with the goal of pioneering commercial debt buying in the equipment leasing industry. The company succeeded and now equipment finance businesses routinely sell off all or a portion of their distressed accounts after charge-off.

Brett Boehm, now CEO of the company, said, “Debt buying was mostly unheard of in the commercial finance industry before TBF launched in 1998,” said, “Our principals believed we could buy charged-off equipment leases for prices that would be attractive to sellers yet also provide TBF with a margin of profit.”

TBF founders Robert Boehm (center) and sons Adam (left)
and Brett (right) at 25th anniversary celebration.

This business model worked, and today TBF customers not only include equipment finance companies and banks but also fintechs, online small business lenders and merchant cash advance (MCA) businesses.

“Debt buying and selling has become an established practice in commercial finance,” Boehm explained.

Headquartered on Chicago’s North Shore, TBF acquires commercial debt from finance businesses across the nation. The company has managed commercial debt through every economic cycle over the past 25 years, including previous inflationary markets, he noted.

How It Works

TBF buys pools of non-performing commercial accounts after they have been worked internally and reached the charge-off stage. These accounts include loans, equipment leases, lines of credit, MCAs and commercial credit cards. They may have personal guarantees or no personal guarantees, be secured or unsecured, pre-agency or post-agency, or pre-litigation and/or reduced to judgment.

Boehm said the company offers competitive pricing that is based on decades of historical data and the assets’ fair market value. “We always have cash on hand to close the deal immediately,” he added.

For sellers, the key benefit is immediate cash at closing but that’s not the only consideration. Selling off all or a portion of commercial debt allows collections teams to focus on accounts earlier in the delinquency cycle when recoveries are more likely. It also reduces the risk of lower payoffs in the future, Boehm said.

What happens to accounts post-sale? TBF provides assurances that the sellers’ debtors will be treated fairly and respectfully.

“We work professionally with debtors over time to collect as much as possible. Our hope is that the debtor will someday be in a better position to do business again with the seller as a customer in good standing. We also maintain accounts and do not resell them, which enables sellers to repurchase an account should any significant changes occur post-sale,” Boehm said.

For more information, please visit

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This Day in History

1679 - The “Le Griffon,” a two-masted armored square-rigger built by the explorer Robert Cavelier, Sieur de La Salle, at Cayuga Creek, near the Niagara River in New York, was launched in the Great Lakes, the first such ship to sail here. It was of 60 tons burden and sailed Lake Erie and Lake Michigan. It sank on September 18, 1679, only a month in operation, during a gale in Mackinaw Strait, and is believed to be resting in Mississagi Strait, Manitoulin Island, Canada. Road transportation was very poor, and the best, fastest means of transportation of not only people, but supplies, was by water. The majority of the population lived around waterways.
1727 - French Ursuline nuns first arrived at New Orleans, where they set up the first Catholic charitable institution in America. It comprised an orphanage, a girl's school and a hospital
1742 - Birthday of Nathaniel Greene (d. 1786), born at Patowomut, RI. A statue of him was placed at the US Capitol in 1870 by Rhode Island. Many historians rank him second only to Washington as a military leader. Born to a Quaker family, who organized the Kentish Guards, and his life is right out of movie “The Patriot,” which may have been based on his life. Some trivia facts, because of a stiff knee, the men would not let him lead the troops, so he followed with the general rank of soldiers. He worked his way up to brigadier general, then major general, and commandeered the army of occupation in Boston. He was chosen by Washington to run administration, a post he did not like, and resigned to replace General Horatio Gates, whose army had been badly beaten at Camden, S.C. By skill preparation and a series of brilliant maneuvers, according to historians, Greene push the British back into Charleston and Savannah (just like in the movie, “The Patriot”). Georgia was so grateful for his saving so many farms and lives, they gave him a plantation near Savannah, where he went to live in 1785.
http://memory.loc.gov/ammem/today/aug07.html

- In the French and Indian War (1754-1763), Captain Demere capitulated to the Cherokee Indians at Fort Loudon, Tennessee. He surrendered under condition that his troops be allowed to retreat unimpeded. On August 10, the garrison was ambushed and massacred by Indians while retreating to Fort Prince George in South Carolina. To fully understand the life in this period, American Indians were constantly fighting and killing each tribe, very similar to Africa in the last century, as they fought for dominance. Perhaps similar to European culture as the French, English, Germans, and Spanish for centuries warred with each other. The Indians, as did the Europeans, allied with the British, the French, the Dutch, especially if another tribe had aligned themselves with the opposing side. They also did not follow the European custom of war or truce, especially fighting what was then modern warfare of armor, cannon, rifles and horses, unknown to the Indians until introduced by the Spanish and English. All Indians were not to be trusted. Physically alcohol went right to their brain and soon they became very dependent on rum, whiskey, and wine, which they had never produced before.
1782 - At Newburgh, NY, General George Washington ordered the creation of a Badge of Military Merit. It was the first honor badge for enlisted men and noncommissioned officers. The badge consisted of a purple cloth heart with silver braided edge. Only three are known to have been awarded during the Revolutionary War: Sergeants Daniel Bissell, William Brown and Elijah Churchill of Connecticut regiments, decorated on May 9, 1783, for singularly meritorious action in the Revolutionary War. They were entitled “to wear on facings over the left breast, the figure of a heart in purple cloth or silk, with narrow lace or bindings.” The award was re-instituted on the bicentennial of Washington's birth, Feb 22, 1932, and recognizes those wounded in action.
1789 - The first lighthouse built after American independence was located at Cape Henry, Virginia at the entrance of Chesapeake Bay. The first lighthouse keeper was Laban Goffigan. The original fuel for illumination was fish oil, followed later by whale oil, colza oil, lard oil, kerosene, gas, and finally, electricity. With the advent of inexpensive radar, many lighthouses have been sold or demolished in the United States as too costly to maintain.
1794 - The Whiskey Rebellion broke out in western Pennsylvania among farmers opposed to a federal excise tax on liquor passed in 1791. Farmers of Washington and Allegheny counties attacked federal officers. Washington issued a proclamation ordering the insurgents to go home and calling out a militia of 13,000 from four states. He issued another proclamation on September 24 and ordered the militia to suppress the uprising. “The report of the commissioners marks their firmness and abilities, and must unite all virtuous men, by shewing that the means of conciliation have been exhausted.” For a time, Washington led this force in person. By mid-November the trouble was over. Two men were convicted of treason but Washington pardoned them.
1801 - The Great Religious Revival of the American West began at a Presbyterian camp meeting in Cane Ridge, Kentucky.
1807 - The launch of the Clermont, a steamboat, designed by Robert Fulton, began its trip to Albany, NY. It made the 150-mile journey in 32 hours and returned in 30 hours, quite a feat in its day. The Clermont was the first steamboat to make regular trips.
1847 - George Page, Washington, DC, received a patent for a plow for pulverizing the soil. Page's design used a revolving single disk on the side of the plow. This invention revolutionized farming.
1849 - Wright and Co. of San Francisco asked Gov. Riley for permission to mint $5 and $10 gold coins to relieve money famine
1852 - Birthday of Franklin L. Sheppard (d. 1930), Philadelphia. Presbyterian organist and hymnbook editor. It was Sheppard who composed the hymn tune “TERRA PATRIS,” to which we sing "This is My Father's World."
1856 - Justice Terry was released by the Committee of Vigilance and immediately took refuge aboard the Navy vessel "John Adams" in San Francisco Bay.
1882 - Hatfields of south West Virginia and the McCoys of east Kentucky feud, 100 wounded or die.
1887 - Birthday of pianist Charles Luckyth “Lucky” Roberts (d. 1968), Philadelphia, PA.
1880 - Theophilius Van Kannel of Philadelphia, PA received a patent for a revolving door. The first building to install a revolving door was an office building in Philadelphia.
1903 - Birthday of Rudol C. Ising (d. 1993), co-creator with Hugh Harmon of “Looney Tunes” and “Merrie Melodies,” at Kansas City, MO. Ising and Harmon's inital production, Bosko the Talk-Ink Kid(1929) was the first talkie cartoon synchronizing dialogue on the soundtrack with the action on screen. Ising received an Academy award in 1948 for “Milky Way,” a cartoon about three kittens. During World War II, he headed the animation division of the Army Air Forces movie unit developing training films.
1904- Birthday of Ralph Bunche (d. 1971), American statesman, UN official, the first African American Nobel Peace Prize recipient, at Detroit, MI.
1904 - A flash flood near Pueblo, CO, washed a train from the tracks killing 89 passengers. A bridge, weakened by the floodwaters sweeping through the valley below, gave way under the weight of the train dashing all but the sleeping cars into the torrent drowning the occupants. Rail service was frequently interrupted in the Rocky Mountain Region and southwestern U.S. that summer due to numerous heavy downpours which washed out the railroad beds delaying trains as much as five days.
1905 - The mercury soared to 127 degrees at Parker, AZ, to tie the state record established at Fort Mohave on the 15th of June in 1896.
1910 - Pianist/Bandleader/Boogie Woogie Champ Freddie Slack (d. 1965) birthday, Westby, WI.
http://www.parabrisas.com/d_slackf.html
    1913 - Birthday of guitarist George Van Eps (d. 1998), Plainfield, NJ.
1923 - Birthday of trumpet player Idrees Sulieman (d. 2002), St Petersburg FL.
1918 - New York City's hottest day and night with 102 and 82 minimum. Philadelphia reached a record of 108.
1926 - Birthday of satirist Stan Freberg (d. 2015), Pasadena, CA. He began his career doing cartoon voices and, in 1951, had a record hit with "John and Marsha," a parody of soap operas. Freberg's 1953 recording of "St. George and the Dragonet" and "Little Blue Riding Hood" was a double-sided million seller. Freberg later turned to producing radio and TV commercials.
1929 - Babe Ruth ties record by hitting grand slams in consecutive games.
1934 - US Court of Appeals upheld lower court ruling striking down government's attempt to ban controversial James Joyce novel "Ulysses."
1936 - Birthday of saxophone player Rahsaan Roland Kirk (d. 1977), Columbus OH.
1937 - Birthday of trombone player George Bohanon, Detroit MI.
1937 - Trumpet player Bunny Berigan Band records classic version of “I Can't Get Started.” (Victor 36208). It was released in a two side shellac and a large 12 inch shellac, due to his long and famous trumpet solo.
1939 - Birthday of singer Ron Holden (d. 1997), Seattle, WA.
1940 - Largest amount paid for a stamp at that time: $45,000 for one 1856 British Guiana.
1941 - Birthday of sax player Howard Johnson, Montgomery, AL.
1942 - Birthday of singer B.J. Thomas, born in Hugo, OK. His easy, middle-of-the-road style was featured on the million-sellers "Hooked on a Feeling" in 1968 and "Raindrops Keep Fallin' on My Head," from the movie "Butch Cassidy and the Sundance Kid," in 1970. In 1975, Thomas topped both the pop and country charts with "(Hey, Won't You Play) Another Somebody Done Somebody Wrong Song." He later concentrated on gospel, and more recently pure country material.
1942 - The U.S. Marines Landed on Guadalcanal. The American offensive in the Pacific in World War II began at Guadalcanal, Solomon Islands, by the Marines under Lieutenant General Alexander Archer Vandergrift. The Marines landed at Floria, Gavutu, Guadalcanal, Tanambogo, and Tulagi. The overall commander was Vice Admiral Robert Lee Ghormley, South Pacific Commander. This was considered the turning point of the war as US Allies had to win this geography for defense purposes and to raise morale at home and on the European front. It was a key strategy of the War in the Pacific that was documented at “Victory at Sea” with the music of Richard Rodgers.
1943 - Birthday of singer Lana Cantrell, Sydney, Australia.
1947 - Balsa raft Kon Tiki crashes into a Polynesian archipelago reef.
1948 - Hank Williams made his first appearance on the "Louisiana Hayride" radio show over station KWKH in Shreveport. Although Williams was virtually an alcoholic, he was booked regularly on the show. And in 1949, came a contract with the Grand Ole Opry. Williams was fired from the Opry in 1952 because of his perpetual drunkeness.
1949 - "Martin Kane, Private Eye" was first heard on Mutual radio. William Gargan starred on the Sunday afternoon program.
1951 - Birth of Randy Shilts (d. 1994), Davenport, IA. Gay San Francisco author and journalist whose groundbreaking books in the '80s exhaustively chronicled for the first time the spread of the AIDS epidemic and the Reagan Administration's deadly indifference to it.
1953 - The first Navy-Marine Corps Medal for Heroism awarded to a woman was present to Staff Sergeant Barbara Olive Barnwell, of Pittsburgh, PA, Marine Corps Reserve, in Washington, DC. She saved Private First Class Frederick G. Romann form drowning on June 7, 1952, at Onslow Beach, Camp Lejeune, NC..
1954 - Billboard magazine runs an article about Elvis Presley, calling him "a potent new chanter who can rock a tune for either the Country or the R&B markets."
1956 - 57,000 people, the largest minor league baseball crowd in history, watched former Negro Leagues star and Major Leaguer Satchel Paige pitch of the Miami Marlins in an International League game against the Columbus Jets. The game was played at the Orange Bowl and Miami won.
1957 - Paul Anka makes his first network TV appearance on “American Bandstand” where he performs his current hit, "Diana".
1959 - US satellite Explorer VI transmitted the first picture of Earth from space. For the first time, we had a likeness of our planet based on more than projections and conjectures.
1963 - The film, “Beach Party,” with Frankie Avalon and Annette Funicello, opens in American theatres. Music is provided by Dick Dale and the Del Tones.
1963 - Jackie Kennedy becomes the first First Lady to give birth since First Lady Frances Cleveland (1893 and 1895). Cleveland was 27 years younger than her long-time bachelor president-husband who she married in his first term. He was defeated, but won the next election, the only president to do so). "Mrs. Kennedy gave birth to their third child, Patrick Bouvier Kennedy. He suffered from a serious lung ailment and was rushed to the Children's Hospital in Boston. Patrick died two days later and Mr. and Mrs. Kennedy grew closer as they grieved the death of their son. Sadly, another tragedy befell her as she was still recovering from this terrible loss. On November 22, 1963, President Kennedy and Mrs. Kennedy were in Dallas, Texas. As their car drove slowly past cheering crowds, shots rang out. President Kennedy was killed and Jacqueline Kennedy became a widow at age thirty-four. She planned the President's state funeral, which was watched by millions around the world who shared her grief and admired her courage and dignity."
http://www.cs.umb.edu/jfklibrary/jbk-biography.html
1964 - Congress approved the Gulf of Tonkin Resolution,” pertaining to the war in Vietnam, which gave President Lyndon Johnson authority” to take all necessary measures to repel any armed attack against the forces of the United States and to prevent further aggression.”
1965 - Herman's Hermits reached number one in the US with a silly little song called "I'm Henry VIII, I Am". The tune was actually written in 1911 and had been popularized by Cockney comedian Harry Champion.
1966 - Race riot in Lansing, Michigan.
1966 - Third-Annual San Francisco South-of-Market and North Beach Children's Adventure Day Camp benefit with Quicksilver Messenger Service, Big Brother and the Holding Company, and The Grateful Dead held at Fillmore Auditorium. Gary Goodrow of The Committee was master of ceremonies.
1970 - Christine McVie became the first female member of the British rock band Fleetwood Mac. McVie was the wife of the group's bass guitarist, John McVie, and had previously performed with the blues rock band Chicken Shack. Christine joined Fleetwood Mac shortly after one of the group's original members, Peter Green, had left. When Fleetwood Mac was formed in 1967, it played blues classics and blues-influenced original material. But after the departure of Green, the group began performing more melodic rock songs. The band's commercial breakthrough came with the 1975 album "Fleetwood Mac," which sold four-million copies.
1970 - Four people, including presiding judge, killed in courthouse shootout in San Rafael, California. Police charged that Angela Davis provided weapons.
1970 - Jonathan Jackson (the younger brother of George) and three others killed in attempt to seize radio station in Marin County, Calif. to expose injustice.
1971 - HAGEN, LOREN D., Medal of Honor.
Rank and organization: First Lieutenant, U.S. Army, Infantry, U.S. Army Training Advisory Group. Place and date: Republic of Vietnam, 7 August 1971. Entered service at: Fargo, N. Dak. Born: 25 February 1946, Fargo, N. Dak. Citation: 1st Lt. Hagen distinguished himself in action while serving as the team leader of a small reconnaissance team operating deep within enemy-held territory. At approximately 0630 hours on the morning of 7 August 1971 the small team came under a fierce assault by a superior-sized enemy force using heavy small arms, automatic weapons, mortar, and rocket fire. 1st Lt. Hagen immediately began returning small-arms fire upon the attackers and successfully led this team in repelling the first enemy onslaught. He then quickly deployed his men into more strategic defense locations before the enemy struck again in an attempt to overrun and annihilate the beleaguered team's members. 1st Lt. Hagen repeatedly exposed himself to- the enemy fire directed at him as he constantly moved about the team's perimeter, directing fire, rallying the members, and resupplying the team with ammunition, while courageously returning small arms and hand grenade fire in a valorous attempt to repel the advancing enemy force. The courageous actions and expert leadership abilities of 1st Lt. Hagen were a great source of inspiration and instilled confidence in the team members. After observing an enemy rocket make a direct hit on and destroy 1 of the team's bunkers, 1st Lt. Hagen moved toward the wrecked bunker in search for team members despite the fact that the enemy force now controlled the bunker area. With total disregard for his own personal safety, he crawled through the enemy fire while returning small-arms fire upon the enemy force. Undaunted by the enemy rockets and grenades impacting all around him, 1st Lt. Hagen desperately advanced upon the destroyed bunker until he was fatally wounded by enemy small arms and automatic weapons fire. With complete disregard for his personal safety, 1st Lt. Hagen's courageous gallantry, extraordinary heroism, and intrepidity above and beyond the call of duty, at the cost of his own life, were in keeping with the highest traditions of the military service and reflect great credit upon him and the U.S. Army.
1971 - After having half-a-dozen Top 20 hits in the US, The Bee Gees finally scored their first number one with "How Can You Mend A Broken Heart". Barry and Robin Gibb had written the song for crooner Andy Williams, but he turned it down.
1972 - Yogi Berra, Sandy Koufax, Lefty Gomez and Early Wynn were among eight players inducted into the Baseball Hall of Fame. Koufax, age 37, became the youngest ever to be inducted.
1976 - No. 1 Billboard Pop Hit: "Don't Go Breaking My Heart," Elton John & Kiki Dee. The song is the first on which John sings to hit No. 1 on the British charts.
1981 - After 128 years of publication, "The Washington Star" ceased operation. Only one daily newspaper remained to serve the nation's capital: "The Washington Post."
1984 - Jim Deshales becomes 1,000th playing Yankee.
1985 - Barbara Streisand records "The Broadway Album."
1986 - A judge in Los Angeles dismissed a lawsuit against heavy metal rocker Ozzy Osbourne by the parents of a teenage suicide victim. The 19-year-old youth killed himself while listening to Osbourne's "Suicide Solution."
1986 - No. 1 Billboard Pop Hit: "Glory of Love," Peter Cetera. Cetera was a member of the group Chicago until 1982.
1987 - "Back to the Beach" opened at theatres around the country. The film reunited Frankie Avalon and Annette Funicello, who played middle-aged parents with rebellious kids -- kids like Frankie and Annette had played in their "Bikini Beach" movies in the 1960s.    1988 - Thirty-eight cities in the north central and northeastern U.S. reported record low temperatures for the date. Youngstown, OH, hit 100 degrees, and for the second day in a row, Flint, MI, reached 101 degrees, equaling all-time records for those two cities.
1989 - Phoenix records the 62nd straight day with 100 degree plus temperatures, setting a new record. Twenty-four cities, mostly in the southwestern U.S., reported record high temperatures for the date. Afternoon highs of 105 degrees at Cedar City, UT, and 114 degrees at Moab, UT, were all-time records for those locations
1990 - Five days after the Iraqi invasion of Kuwait, US President George Bush ordered the military buildup that would become known as Desert Shield to prevent further Iraqi advances. This was a watershed day in the Middle East. Iraq announced that it had annexed the kingdom of Kuwait, moving over 200,000 troops into the tiny, oil-rich country. As Iraq declared Kuwait to be its 19th Providence, U.S. President George Bush (I) warned Iraqi President Saddam Hussein, “A line has been drawn in the sand.” An ordered trade and financial boycott had not worked and American forces began moving into Saudi Arabia. On August 9, a naval blockade would begin and by November 8, 230,000 American troops would be in Saudi Arabia. CNN would bring us the war “live” and the “see all, expose all” of satellite transmissions would bring instantaneous sight and sound to the entire world. The BBC had been doing this for years, building a worldwide audience, but CNN would bring dramatic pictures and “You Are There.”
1991 - A last-minute entry who didn't have the opportunity to play a practice round, John Daly won the PGA Championship at Crooked Stick Golf Club in Indiana by three strokes over Bruce Lietzke. Daly endured a wealth of personal problems in the ensuing years, including marital difficulties and alcoholism. but he continued to thrill tournament crowds with his prodigious drives and his “grip it and rip it” approach to the game.
1995 - Alanis Morissette's biting "You Oughta Know" soars to No. 1 on Billboard's Modern Rock chart and is the most requested tune on rock radio.
1997 - Garth Brooks played to a crowd estimated at between 250,000 and 900,000 -- with an HBO audience of more than 15 million. The crowd at the free concert, was the largest ever for a concert in New York's Central Park. Said Garth of the preparations required, “We rehearse indoors at a place here in New York. Then we rehearse with no sound for the camera guys, so they will hopefully be in the vicinity of what's going on. And then the rest of it's really, man, just fly by the seat of your pants. You know, once the show starts, all the rules are out the window.” Police estimated 250,000 were there - the promoters said the crowd was three times that size. Billy Joel and Don McLean made guest appearances. The show was meant to coincide with the release of Brooks' album "Sevens," but because of a dispute between the singer and his record company, EMI, it didn't come out until three months later.
1998 - A pair of major explosions near U.S. embassies in Kenya and Tanzania killed 224 people, including 12 Americans. “Clearly, this is a terrorist attack,” U.S. State Department spokesman Lee McClenny said.
2001 - "Black Betsy," Shoeless Joe Jackson's 40-ounce warped hickory bat, is won by 30-year-old businessman Rob Mitchell in a 10-day eBay auction. The $577,610 price tag is believed to be the largest amount ever paid for a baseball bat.2003 - Albert Pujols joins Jose Canseco as the only other player in Major League history to hit 30 home runs and drive in 100 runs during his first three seasons.
2007 – Barry Bonds broke the Major League career me run record when he hit the 756th of his career to surpass Henry Aaron.
2014 – By court order, student athletes can now profit from the commercial use of their names and images. NCAA had previously retained all revenues from such deals but students will now have profits placed in trust to be received upon leaving school.
2014 – Former Reagan press secretary James Brady died at age 73. Brady’s death was ruled a homicide due to a gunshot made 33 years earlier by John Hinckley who was found to be insane. Hinckley had attempted to assassinate President Reagan.

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