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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


Healthcare, Commercial and Industrial

We are a premier small ticket and middle market full service equipment finance company. Our compensation programs are aggressive and include full insurance benefits, matching 401k, etc.

Positions are available for well experienced industry
professionals with an established book of business
originating equipment finance transactions.

Please email your resume to
or call directly at 973-768-7501

Bank of the Ozarks was recognized as the top performing bank
in the United States, based on financial performance,
five years in a row, 2011-2015.
• Rated as “well capitalized” –
the highest available regulatory rating
• Publicly traded company on the
NASDAQ Global Select Market, symbol OZRK
• Headquartered in Little Rock, Arkansas
• Chartered in March 1903, a 111-year heritage

256 Offices, 18.5 billion in assets, second quarter
2016 net income of over 54 million

Bank of the Ozarks

We are an equal opportunity employer and give consideration for employment to qualified applicants without regard to race, color, religion, sex, national origin, sexual orientation, disability status, protected veteran status, or any other characteristic protected by federal, state, and local law. Member FDIC.


Thusday, December 8, 2016

Today's Equipment Leasing Headlines

Website Back Online
 Email Not Working
Jim & Chris Broom of Direct Capital
  Reportedly Resigned Today from CIT
Alert: Ameritek Office Solutions, Lafayette, LA
   Alleged Vendor
Allegiant Partners Close $57 Million Line
   Now Managing 3,000 Contracts
Looks Like Some Alternate Finance Companies Changing
  to Special Banks, But Some May Not Want to be Regulated
More Machines to be Leased or Financed
  The Future Looks Good for Banks, Finance and Leasing Companies
New Hires/Promotions in the Leasing Business
   and Related Industries
Leasing Industry Ads---Help Wanted
   Looking for Sales Executives
Sales Makes it Happen --- by Tom Martin
Effectively Qualifying Lessees for More Efficiency, More Profitability
The Universities Churning Out the Most Billionaires
  Chart --- Global Universities & Total Wealth (2016-2017)
Fernando's Reviews
Hacksaw Ridge and Elle
Walnut Creek, California  Adopt-a-Dog
Leasing News Classified Ad
News Briefs---
East West Bank Exits the Dental Lending Market
Over 100 Group Practices and DSO's Effected
SmartBiz Loans Ranked Number One Provider
   of Traditional SBA 7(a) Loans Under $350,000
Hawaiian Airlines to retire B767s by late 2018
  They Operate Eight B767-300s
Will stadiums soon be able to lease their Wi-Fi
    networks from equipment vendors?

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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Website Back on Line
 Email Not Working

The Leasing News website migration took longer than expected to get up and running. Our webhost for many years sold their main business, forcing us to move our various web files elsewhere. Still having problems with email.

Rick Jones will now be up dating the archives, as well as columns and top stories, in the days ahead.

Thank you for your patience.

           Kit Menkin, editor/publisher



Jim & Chris Broom of Direct Capital
Reportedly Resigned Today from CIT

Chris Broom

Jim Broom

(More news to follow)

Inside Direct Capital and CIT Group
by Christopher Menkin


Alert: Ameritek Office Solutions, Lafayette, LA
   Alleged Vendor

Looking for any experience or information regarding Ameritek Office Solutions, Lafayette, Louisiana.

Company's website:

1001 W Pinhook Rd,
bldg. 3, suite 203
Lafayette, LA 70503

Vendor Profile (info deleted for privacy purposes): PDF

According to the vendor profile, there are 25 employees doing $1,750,000 a year. The website “Creditability” states the company has 10 employees, generating $890,000 in annual revenue (how old the report is not known). (1). LinkedIn shows the Leonard Espree's Vendor Profile title as "Major Account Executive (April, 2013-Present.) It also states he was Document Imagining Sales Manager (April, 2002 - April, 2008).

There are some other actions in an internet search, such as a worthless check charge (3), but most important is the Louisiana Secretary of State ordered Ameritek Office Solutions Corporation "inactive" on November 20, 2015, naming Leonard Espree President, Treasurer, and Director. The form shows Espree registered the corporation originally as President 8/21/2000, stating the corporation was revoked 11/16/2006, Reinstatement 1/25/2010, and Administration Termination, 11/20/2016 (4)

Leasing News was informed by a funder, with offices in Canada: "There were 4 deals in total that came in. None of the deals funded but two of them had documents signed and were ready to fund."

"Each of the applications came in online and was for a larger company with multiple offices. The legal name, address was all legitimate information. The contact person was not."

Leasing News attempted to reach Mr. Espree for a comment, but he did not respond to email or a LinkedIn email request.

Any experience or information, please contact:

(1) Ten Employees


(3)  Espree, Leonard
       Charge: Issuing Worthless Checks

(4) Secretary of State Certificate


Please Click on Bulletin Board to learn more information
Leasing News provides this ad “gratis” as a means
to help support the growth of Lease Police



Allegiant Partners Close $57 Million Line
Now Managing 3,000 Contracts

Now doing business as AP Equipment Financing, Allegiant Partners, has increased their senior credit facility BMO Harris Bank to $57 million. The company no longer accepts third party originations, owning Work Truck Direct, a medium-duty specialty truck dealer based in Bend, Oregon.

Growing from originations of $38 million in 2013, at this time in 2016,
they have completed $75 million in total equipment costs with 45 employees in California, Oregon and Washington.

Bob Bomben, Director at BMO Harris Bank in Chicago commented, “We appreciate the professionalism of AP Equipment Financing’s staff. We understand AP’s vision and we are proud to be funding a cutting-edge company. AP has invested heavily in its technology, operations, sales, and marketing capabilities since we began our banking relationship in 2010. It has been a pleasure to be a part of their growth and success.”

Chris Enbom, CLFP, CEO, Allegiant Partners dba AP Financing, added, " BMO Harris Bank has been very responsive to our needs and has allowed us to invest in growth, a reason why we have grown quickly over the past several years."



Looks Like Some Alternate Finance Companies Changing
to Special Banks, But Some May Not Want to be Regulated

Financial technology firms may have a way to avoid regulation by 50 different state regulators after the Office of the Comptroller of the Currency announced plans to begin issuing national banking charters on Friday. This gives them usury protection as well as having to follow
the various state laws.

It may be FinTech companies may want to continue seeking a state bank charter in a state that makes them able to continue operating outside the banking system.  It may be there will be those who want to partner with existing banks or provide services to banks and other financial companies, without the national banking requirements.  In either case, it does appear they will not be covered by the Federal
Reserve Financial Insurance program.

More information may be found here (17 pages):




More Machines to be Leased or Financed
The Future Looks Good for Banks, Finance and Leasing Companies
by Kit Menkin

Amazon announced its plans for a new physical store concept earlier. The news was all over TV as well as grocery store unions making vocal protests. It is a step above what many supermarkets now offer, a non-check line, where you check out your food and purchases yourself on a self-reading device.

The Amazon Go stores go a step further, with no live cashiers or registers, but instead the shopper uses an app to automatically add products to a digital chart. You don't even have to use cash, a check, or even a mobile device to make payment as the charge goes right to your Amazon account. Think of the cash flow for Amazon!

The first store is set to open in Seattle, Washington, in early 2017. If all goes well, the plan is 2,000 Amazon Go stores across the US in the next ten years. That’s a lot of stores compared to 2,800 operated by the Kroger Co., now the nation’s largest full-service grocery retailer.

We are in for continued fast delivery of fast food, groceries, restaurants fare, as well as driverless cars, driverless trucks, automated farming, even grapes will be picked by machine! (Of, I forgot, they are many growers now using automation to pick wine grapes).




New Hires/Promotions in the Leasing Business
and Related Industries

Clint Aldeman was promoted to Sales Support Specialist, GreatAmerica Financial Services, Cedar Rapids.  He first joined the firm February, 2013, as Accounts Payable Funding Specialist (February, 2013-August, 2014); rejoined the firm June, 2015 as Funding Specialist. He was at Charles Schwab from October, 2014 to June, 2015). Previously, he was Accounts Payable/Funding Specialist, Great America Financial Services (February, 2013 – August, 2014); Assistant Customer Service Manager, Bank of the West (August, 2010 – February, 2013); Media Consultant, Yellowbook (February, 2010 – July, 2010); Lead Teller, Wells Fargo Bank (May, 2008 – February, 2010); Teller, Metco Credit Union (May, 2007 – May, 2008); New/Used Car Consultant, Pat McGrath Chevyland (February, 2006 – May, 2007); Cashier and Customer service, Menards (August, 2002 – March, 2006); Education: Mount Mercy College, BS, Marketing (2009 – 2011); Mt. Mercy College, BS, Marketing (2009 – 2011); Studies, Bachelor's Degree, Marketing; Marketing (2009 – 2011); Kirkwood Community College, AA, Communications Media/Public Relations (2002 – 2005). Kirkwood Community College, Associate of Arts Degree, Communications/Public Relations (2002 – 2005).

Doug Fletcher was hired as Dealer Development Manager Manitou America, Greater Salt Lake City Area. Previously, he was Business Development Manager, Liebherr Construction Equipment (January, 2014 – December, 2016); Account Executive, Siemens Financial Services (February, 2012 – January, 2012); Regional Sales Manager, SG Equipment Finance USA (2008 – March, 2012); VP Regional Sales Manager, SG Equipment Finance (November, 2008 – September, 2011); Regional Sales Manager, GE Capital (August, 2003 – September, 2008); Education: University of Oklahoma, BS.

John Foss was promoted to Executive Manager National Accounts, Trailcon Leasing, Mississauga, Ontario. He joined the firm April, 2005, as Account Manager.  He previously was Sales Manager, Alex Irvine Chevrolet (May, 2003 – April, 2005); Sales Manager, Alex Irvine Chevrolet (May, 2003 – April, 2005). Organizations: Ontario Trucking Association, Co-chair of the Ontario Trucking Association’s NEXT GENERATION Leadership Education and Development, Starting April 2008. Toronto Transportation Club, Director, Past President (September, 2007 – December, 2014). Education: Northwood University, BBA, Business (1997 – 2001). Automotive Marketing & Management, St. Michael's College School (1993 – 1997).

Erick Livingston ASA was hired as Senior Vice President, Asset Management at Citizens Asset Finance, San Francisco Bay Area Previously, he was at GATX Corporation, joining the firm January, 2001 as Vice President Equipment Management; promoted January, 2008 as Vice President Equipment Group & Business Development; promoted January, 2015, Vice President & Executive Director - Portfolio & Equipment Management.  He joined ATEL Capital Group, January, 1996, as Vice President Asset Management; promoted January, 2001, Vice President Equipment Management. Prior, Product Manager GE Capital (1990 – 1996). Certifications: Accredited Senior Appraiser American Society of Appraisers, American Society of Appraisers, Starting October 2015. Organizations: Equipment Leasing and Finance Association (ELFA). Member of Equipment Management Committee. Education: San Diego State University-California State University, BS, Finance (1982 – 1986). Syosset High School (1979 – 1982).

Jesse McLennan was hired as Director of Recruiting, Alliance Funding Group, Orange, California. Previously, he was Vice President of National Recruiting, Ascentium Capital (June, 2013 – November, 2016); Sr. Corporate Recruiter, Balboa Capital (December, 2009 – June, 2013); Sales Associate, CalFirst (2010 – 2011); Financial Representative (Internship), Northwestern Mutual Financial Network (January, 2009 – May, 2010). Education: California State University-Long Beach - College of Business Administration, California State University, Long Beach,  College of Business Administration, Business Management (2005 – 2010). Activities and Societies: Track and Field; Division Athlete, 1 Pole Vault and Long Jump.

Nikul Patel was promoted to Chief Product and Strategy Officer, Lending Tree. He is based in San Francisco, California.  He joined the firm June, 2012, SVP, Product; promoted, March, 2013, Chief Product Officer; promoted, June, 2015, Chief Operating Officer & Chief Product Officer. He previously was President,, a division of (July, 2010 – June, 2012); COO/VP Products, (May, 2009 – June, 2010); Strategic Business Development Manager, Intel Corporation (June, 1996 – January, 2008); Co-founder and Promoter, Movoto Inc. (October, 2003 – August, 2005); Co-founder, MediSpark (iScribe) (October, 1999 – April, 2001); R & D Engineer, Tata Telecom Ltd. (August, 1993 – December, 1994). Languages: English, Gujarati, Hindi. Education: University of Pennsylvania, The Wharton School, MBA with Honors, Finance (2006 – 2008). Stanford Continuing Studies, SCPM, Program and Portfolio Management (2004 – 2005). Learned the essential skills of forming strategies and converting strategies into actions to achieve results. Florida Atlantic University, MS, Computer Engineering (1995 – 1996). Research: Distributed grid computing and image processing. Awarded "Who's who among students in American Universities and Colleges" as an outstanding student of the year 1995-96. Gujarat University, BS, Electronics and Communication Engineering (1989 – 1993). Gold Medalist, Gujarat University, Electronics and Communication Engineering (1993.) Activities and Societies: L.D. College of Engineering.

Paul J. Phillips has rejoined Pawnee Leasing Corporation, Fort Collins, Colorado as Business Development Manager.  He started at the firm March, 2009 as Regional Marketing Manager, then was promoted to their subsidiary company Windset Capital Corporation, July, 2014. Previously, he was Operations Director, First Pacific Funding (2006 – 2009).

Neil Salvage Jr. was promoted to President of Lending Tree, Charlotte, North Carolina.  He joined the firm July, 2013, General Manager; promoted Chief Revenue Officer, May, 2015. Previously, he was Head of Digital Sales, CBS Local (January, 2012 – June, 2013); Executive Vice President – Advertising, CityGrid Media (June, 2006 – December, 2011); Vice President, Sales, (November, 2004 – June, 2006); Director, Sales, Bellsouth (January, 2003 – October, 2004). He holds several patents.
Education: Webster University, MS, Computer Resources and Information Management (1997 – 1999). University of South Carolina, The Moore School of Business, Bachelor of Science, Business Management (1991 – 1995).

Jim Stanley was promoted to Program Manager, DLL, August, Georgia Area.  He joined the firm August, 2010 as Records Supervisor; promoted January, 2013, Portfolio Analyst; promoted June, 2014, Retail Credit Underwriter; promoted October 2015, Portfolio Analyst. Prior, he was Store Manager, PetSmart (January, 2003 - April, 2009). Education: Simpson College, BA, International Management (1999 – 2002).

Seth Thompson was promoted to Director, Vendor Relationship Development, Cedar Rapids, Iowa. He joined the firm March, 2014 and previous position was Vendor Relationship Manager. Honors & Awards:
100% Club Sales Achievement Award FY15 (April, 2014 – March, 2015) GreatAmerica Financial Services. 100% Club Sales Achievement Award FY16 (April, 2015 – March, 2016), GreatAmerica Financial Services. Education: University of Iowa, Bachelor of Arts (BA), Communication Studies (2011 – 2014). Activities and Societies: University of Iowa Powerlifting Club. Maryville University of Saint Louis (2010 – 2011).

PJ Tue is the Founder, President, CEO at HBM Financial Solutions Ogden, Utah. Previously, he was National Account Manager WK Financial Group, LLC (March, 2016 – December, 2016); Dropbox for Business Sales Representative, MarketStar (August, 2015 – April 2016); Donor Center Technician, Grifols (July, 2012 – May, 20150. Education: Weber State University, Bachelor of Science (B.S.), Criminal Justice/Law Enforcement Administration
(2011 – 2015). Leone High School (2004 – 2007).

Tony Walker was hired as VP of Rainstar Capital Group, Kihei, Hawaii.
Previously, he was Director of Business Development, Funding Hub
(August, 2016 – November, 2016); CEO-Co-Founder, Loyalty Business Funding (February, 2013 – August, 2016); National Sales Director, Genesis Capital (August, 2010 – March, 2013); National Sales Director/Distressed Assets/Off Market Assets/Commercial Real Estate. Genesis Capital (August, 2010 – March, 2013); Distressed Assets/Off Market Assets/Commercial Real Estate/ Distressed Assets/Off Market Assets, Prodigy One Investment Group (July, 2007 – February, 2009). Education: Off Market University (2010 – 2010). 




Healthcare, Commercial and Industrial

We are a premier small ticket and middle market full service equipment finance company. Our compensation programs are aggressive and include full insurance benefits, matching 401k, etc.

Positions are available for well experienced industry
professionals with an established book of business
originating equipment finance transactions.

Please email your resume to
or call directly at 973-768-7501

Bank of the Ozarks was recognized as the top performing bank
in the United States, based on financial performance,
five years in a row, 2011-2015.
• Rated as “well capitalized” –
the highest available regulatory rating
• Publicly traded company on the
NASDAQ Global Select Market, symbol OZRK
• Headquartered in Little Rock, Arkansas
• Chartered in March 1903, a 111-year heritage

256 Offices, 18.5 billion in assets, second quarter
2016 net income of over 54 million

Bank of the Ozarks

We are an equal opportunity employer and give consideration for employment to qualified applicants without regard to race, color, religion, sex, national origin, sexual orientation, disability status, protected veteran status, or any other characteristic protected by federal, state, and local law. Member FDIC.


Specializing in Equipment Financing since 1995”


We are expanding & seeking experienced


National Account Managers


60% Commission and Residuals.

Application Only program to $200,000

No industry or geographic restrictions

Flexibility: work from regional office or home


Send resume to:


Ranked #43 by INC 500


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

Please see our Job Wanted section for possible new employees.


Sales Makes it Happen --- by Tom Martin

Effectively Qualifying Lessees for More Efficiency, More Profitability

What do you as a salesperson or broker gain by being able to quickly qualify a lease prospect? It's pretty simple. You can decide either to pursue the prospect right away or move on to a more promising opportunity.

Four marketing steps will help you to get a signature on a lease contract:
1. Finding – Getting the name of the proper contact to finance a specific piece of equipment
2. Qualifying – Determining if the prospect's needs match what you can offer
3. Developing – Creating the relationship to collect all the data necessary to prepare a proposal
4. Closing – Convincing the prospect to finance the asset with you

Why It's Hard
Inexperienced lease brokers struggle the most with qualifying because they are not sure of what specific funding is (or is not) available for the transaction. After a while, the lease broker will have talked to many funding sources, which bolsters its database by showing the “sweet spot” of each funding source.

The successful broker knows how to phrase both sales and credit questions and—just as importantly—when to ask them. Sales questions address such concerns as a detailed description and cost of the asset, delivery date, term, structure and competition. Credit questions are about the principals, financials, guarantees and additional collateral.

The funding sources look for the broker to qualify the financing opportunity. There are many qualifying questions in the areas of asset, credit, term, structure, competition and so on. It is important for a broker or salesperson to ask the right questions up front before securing any quotes or commitments on the broker's part. 

The Vital Questions
The questions presented here should lead to a form that you as the broker or salesperson can use in phone interviews or meetings with prospects to size up the potential lessee and find it the best fit in regard to funding sources.

  • Is there a detailed description of the equipment to be leased?
  • What will this equipment do for the business? (e.g., increase profit or reduce costs)
  • Is it intended as replacement equipment or an addition? (If the former, what is it replacing?)
  • Who is the vendor? How long has it been in business?
  • Does the customer want to own the equipment at the end of the term?
  • Is residual value at the end of the term a consideration?
  • What is the timing of the acquisition?
  • How long has the prospect been in business and under the current ownership?
  • What is the prospective lessee's business structure? (e.g., S Corp., C Corp., LLC, Sole Proprietorship, Partnership)
  • Who are the owners?
  • Are they willing to guarantee the lease? Is there anything derogatory on their credit report?
  • With respect to credit, what financial statements or tax returns are available?
  • What is the current gross and net income?
  • Who has the prospect had leases or loans with in the past? (This will help to determine potential competitors and the prospect's creditworthiness.)

When the Competition Isn't Obvious
Your competition may not be obvious. The successful lease broker finds out what the prospect's options are and what the prospect thinks about each of them. Through skillful questioning, the broker finds out what the prospect has already ruled out. Moreover, the broker finds out who has turned the deal down—and more importantly, why.

The broker always asks, “Have you considered doing the financing with your local bank?” Often the answer is that the local bank has said no. The broker should find out why. Don't be afraid that the question will make the prospect think of a source of competition that he did not already come up with. The prospect thought of the local bank before you ever found him. If the prospect says he is talking to the local bank, be prepared to offer an advantage that is not based on price.

The lease broker needs to understand what type of transaction is difficult to fund. Here is a partial list of yellow flags:
•  Start-ups—especially restaurants
•  Less than two years in business
•  Negative net worth of lessee
•  Loss in prior year(s)
•  Low FICO score
•  Consumer as lessee
•  Refinance (needed when the customer has low cash flow or low net worth)
•  Select industries such as gaming, water purification, owner-operators of trucks
•  Certain types of assets such as tanning beds, ATM machines, titled vehicles
•  Anything with a value under $5,000
•  Assets with a low residual value such as restaurant equipment or furniture
•  The need for venture capital as opposed to financing of an existing business

Strategies for Larger Transactions
For larger transactions, try to get a commitment fee based on agreed-upon criteria (e.g., good credit, reasonable cash flow, collateral). This discussion of the criteria will usually bring out the inherent problems that need to be overcome quickly. Also, it will get the deal off the market until the broker has had a chance to obtain an approval from a funding source. This conversation will also ensure the prospective lessee's commitment to providing all the needed information, such as the principal's personal statements, tax returns and credit information.

The successful lease broker knows the criteria of its funding sources. The wider the variety of transactions the broker finds, the broader its needs for sources of funding. (For a more detailed discussion, see “How Many Funding Sources Do You Need?” in Leasing Logic , Vol. 15, No. 3, September 2007.)
Initially, it may seem that the route of least resistance is to just place the application. However, it is more efficient for the broker, the funder and the customer to answer all the pertinent questions in advance. Credit people lose patience with the back-and-forth of filling in the gaps to see whether the deal makes sense.

To sum up, it's always easier to continue down the path with the prospect that wants to have the broker place its deal than it is to know when to move on to a more promising prospect. But this determination is vital. Successful brokers have one common trait: they quickly recognize whether the transaction can be placed with one of their funding sources.

In 1969, Tom founded CFI Financial Services, where he has raised capital for privately held lessors, marketed tax advantaged structures to tax and treasury groups within the Fortune 1000, and been successful in many lease transactions. He specializes in arranging financing for lessors as well as providing tax deferrals for lessors.

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



The Universities Churning Out the Most Billionaires
Chart --- Global Universities & Total Wealth (2016-2017)



Fernando's View
By Fernando F. Croce

“Hacksaw Ridge” and “Elle” find a pair of provocative directors returning after extended absences from the big screen, while DVD releases serve up tangy crime (“Hell or High Water”), familial drama (“Mia Madre”), and an eccentric Western (“One-Eyed Jacks”).

Hacksaw Ridge (Summit Entertainment): Mel Gibson brings a typically visceral conviction to this robust World War II tale, which marks the first time he’s directed a film since “Apocalypto” ten years ago. Based on a true story, it follows the trajectory of Desmond T. Doss (played by Andrew Garfield), a young soldier from Virginia whose patriotic duty during wartime clashes ironically with his religious devotion to non-violence. Mocked by fellow grunts for his stance during training, Desmond has to face his biggest challenge after his platoon is sent to Okinawa in one of the bloodiest battles of WWII. Can he make it back from the battlefield alive and with his compassion unshaken? Anchored by Garfield’s earnest performance, this is a vision fascinatingly split between pacifist ideals and blood-spilling struggles. Not for the squeamish, but certainly for fans of impassioned cinema.

Elle (Sony Pictures Classics): Always a provocateur, Dutch maverick Paul Verhoeven (“Basic Instinct”) is in top form in this thorny and surprisingly subtle drama, which features a magnificently complex performance by Isabelle Huppert. The great French actress stars as Michele Leblanc, a high-powered CEO for a video-game company whose life takes a sudden turn after she’s raped by a masked assailant. What follows is an unpredictable web of malicious intrigue that follows Michele’s thorny relationships with various people, including her ex-husband, her son, her mother and most tellingly, her neighbor (Laurent Lafitte). Though structured on the surface as a psychosexual thriller, the film often plays as a jet-black comedy of manners, propelled by Verhoeven’s sardonic edge and by Huppert’s extraordinary mix of frigid control and burning desire. With subtitles.

Netflix Tip:A dependable presence on film and TV, Fritz Weaver (1926-2016) was a rock-solid character actor for nearly six decades. So visit Netflix for some of his most memorable roles, which include “Fail-Safe” (1964), “Marathon Man” (1976), “Demon Seed” (1977), and “Creepshow” (1982).


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

Mia Madre (Music Box): For decades a specialist in small, personal films, Italian writer-director Nanni Moretti (“The Son’s Room”) serves up a sensitively existentialist look into middle-age in this melancholy comedy-drama. The story centers on Margherita (Margherita Buy), a filmmaker whose new project, about proletarian unrest at a factory, keeps getting interrupted by family troubles—namely, her mother Ada’s (Giulianna Lazzarini) failing health. As if that weren’t enough, she also has to deal with the antics of Barry Huggins (John Turturro), the frantic American actor who’s flying to play the factory boss in her movie. Can the increasingly frazzled Margherita keep familial and professional ties together before losing her mind? Moretti’s humanist delicacy and patience get a welcome burst of enthusiastic energy from Turturro’s freewheeling turn. With subtitles.

One-Eyed Jacks (Criterion): Marlon Brando brought his astonishing, unpredictable talent to the director’s chair for this offbeat 1961 Western, the first and last time the screen legend stepped behind the camera. Brando also stars as Rio, an outlaw whose latest bank robbery, along with the betrayal of his mentor Dad (Karl Malden), gets him thrown into a Mexican prison. When finally freed, Rio tracks down his former partner only to discover that he’s become a rich, respected sheriff in California. He plans revenge, but things are complicated when he falls in love with Dad’s virtuous stepdaughter Louisa (Pina Pellicer). Made with an engrossing mixture of beauty and brutality, the film anticipates the genre’s gritty re-invention in the upcoming years while vividly embodying Brando’s eccentric, incomparable mystique.


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"Bacall's adopter must be at least 18 years old with valid state-issued identification. ARF encourages family members to participate in the adoption process, especially children and family dogs. Please visit ARF's web site for information on adoption and to view more cute canines."

Matchmaker Profile

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Walnut Creek, CA
Special Adoption Hours:
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Adopt a Pet




Outsource Lease Syndications
Add a capital markets independent contractor and offer world-class syndications (buy and/or sell) capability for commission-based compensation. 30+ Years’ experience with major lessors (BofA, Chase, Fleet, Verizon).  Sales, underwriting, capital markets and executive background. Ivy League undergrad and MBA. Well known in industry.  Impeccable references. or 
(203) 652-1387



Sometimes Growing Your Profits
Means Thinking Out of the Box

Receivables Management LLC has built their reputation spanning two decades with unmatched Professionalism, Honesty, Integrity and the ability to earn its Equipment Leasing clients an average of 30% on residual income

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



News Briefs----

East West Bank Exits the Dental Lending Market
Over 100 Group Practices and DSO's Effected

SmartBiz Loans Ranked Number One Provider
   of Traditional SBA 7(a) Loans Under $350,000

Hawaiian Airlines to retire B767s by late 2018
  They Operate Eight B767-300s

Will stadiums soon be able to lease their Wi-Fi
    networks from equipment vendors?




--You May Have Missed It

Dog Haus' $500 Million Plan
 to Become a Household Name Selling Hot Dogs/Sausages


American Football Poem

 In 1996. The Ravens, a team that formerly played in Cleveland, Ohio, moved into Baltimore's Memorial Stadium and began to play in the 1996 season. "This is a new beginning and a new era for us," the Baltimore Ravens owner Art Modell told fans at the team's naming ceremony.

The name Ravens was inspired by the poetry of the famous former Baltimore resident Edgar Allan Poe. Ravens can be taught to speak. Poe's raven is thought to have been inspired by the raven Grip in Barnaby Rudge by Charles Dickens. Dickens' bird has many words and comic turns, including the popping of a champagne cork, but Poe felt that Dickens did not make enough of the bird's dramatic qualities.

“Open here I flung the shutter, when, with many a flirt and flutter,

In there stepped a stately raven of the saintly days of yore;

Not the least obeisance made he; not a minute stopped or stayed he;

But, with mien of lord or lady, perched above my chamber door -

Perched upon a bust of Pallas just above my chamber door -

Perched, and sat, and nothing more.


“Then this ebony bird beguiling my sad fancy into smiling,

By the grave and stern decorum of the countenance it wore.

‘Though thy crest be shorn and shaven, thou,' I said, ‘art sure no craven,

Ghastly grim and ancient raven wandering from the Nightly

shore -

Tell me what thy lordly name is on the Night's Plutonian shore!'

Quoth the Raven, ‘Nevermore.'"


The full 18 verse poem:



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This Day in American History

     1776- George Washington's retreating army in the American Revolution crossed the Delaware River from New Jersey to Pennsylvania.
    1850-The first college graduate who was African-American woman was Lucy Ann Stanton of Cleveland, OH, who graduated this day from Oberlin College, Oberlin OH, receiving the Bachelor of Literature degree.
    1861-William “Billy “Durant birthday, almost forgotten by US history. He was a leading producer of carriages at Flint, Michigan; promoter of the Buick car; co founder of Chevrolet and founder, in 1908, of General Motors. He lost, regained and again lost control of GM, after which he founded Durant Motors, went bankrupt in the Great Depression, and operated a Flint bowling alley in his last working years. He died in New York, New York, 1947, basically a penniless man.
    1863- President Abraham Lincoln issued a" proclamation of amnesty and reconstruction," offering full pardon to all southerners who voluntarily took a "prescribed oath." When the Civil War was over, there was great political strife toward forgiving the South and various plans that Abraham Lincoln had in place were ignored, except for this proclamation, which also halted the hanging of Jefferson Davis as hatred was more popular at the time than coming together as one nation. Historian believe that if Abraham Lincoln were not assassinated, he would have changed the history of Southern reconstruction and would have united the nation with this action. President Lincoln issued another proclamation on March 26,1864. President Andrew Johnson issued supplemental proclamations on May 29,1865: September 7,1867; July 4,1868: and December 25,1868.
    1879-Louisiana ratifies a new state constitution, also moving the state capital from
New Orleans to Baton Rouge
    1886-Birthday of Diego Rivera, Mexican painter whose murals became center of political controversy, born at Guanajuato, Mexico. Died in his studio at San Angel, near Mexico City, Nov 25, 1957.
    1894-James Grover Thurber, American humorist and artist, long-time contributor to the New Yorker, born at Columbus, OH. Died at New York, NY, Nov 2, 1961.
    1894-Popeye creator Elzie Crisler Segar was born at Chester, IL. Originally called Thimble Theater, the comic strip that came to be known as Popeye had the unusual format of a one-act play in cartoon form. Centered on the Oyl family, especially daughter Olive, the strip introduced a new central character in 1929. A one-eyed sailor with bulging muscles, Popeye became the strip's star attraction almost immediately. Popeye made it to the silver screen in animated form and in 1980 became a movie with Robin Williams playing the lead. Segar died Oct 13, 1938, at Santa Monica, CA.
    1912-Clarinetist Irving Fazola (Irving H. Prestopnik ) born, New Orleans, La. 
Died 29 March 1949.

    1913-Trumpeter-violinist Ray Nance born Chicago, Ill ( with Duke Ellington from 1940 to 1963).,,472065,00.html?artist=Ray+Nance
    1917 -a severe winter storm struck the Ohio Valley and Great Lakes. Buffalo, NY was buried under 25 inches of snow with wind gusts to 78 mph. 26 inches fell at Vevay, IN with drifts to 14 feet
    1923-Norman Rockwell’s “Christmas,” one of his earliest covers for the Post when they were still in black and red, Norman Rockwell's 1923 Christmas cover for the magazine depicted a trio performing Christmas carols. In Rockwell's biography he reveals that not one of his three models had an iota of musical talent.
    1925-Birthday of Sammy Davis, Jr., born at New York, NY, Sammy Davis, Jr, was the son of vaudevillians and first appeared on the stage at the age of four. He made his first film appearance in Rufus Jones for President in 1931. He then joined the Will Mastin Trio. The popular song-and-dance team was popular on the night club circuit; as Davis matured, his singing, dancing and impersonations became the center of the act. Davis began performing on his own in the 1950s, headlining club engagements, appearing on television variety shows and making numerous records. His Broadway debut came in 1956 in the hit musical Mr. Wonderful, and in the late '50s and early '60s he starred in a number of films, including a series with Frank Sinatra and the Rat Pack. Davis died at Los Angeles, CA, May 16, 1990. Sammy Davis, Jr
    1926-Guitarist Slim ( Eddie Lee Jones) born Greenwood, MS
    1927-bassist George Tucker born Palatka ,FL
    1932-bassist Bob Cranshaw born Evanston IL,,418363,00.html?artist=Bob+Cranshaw
    1937-composer Don Sebesky born Amboy, NJ
    1937-Birthday of James MacArthur ( “Book ‘em Danno.”) Los Angeles, California.
    1938 - The temperature at La Mesa, CA, soared to 108 degrees to set a U.S. record for the month of December.
    1940—Birthday of David Carradine, “grasshopper,” born Hollywood, California.
    1940-The most lopsided victory: The Chicago Bears won the NFL championship by defeating the Washington Redskins, 73-0, the most one-sided victory in the league’s title game. Played at Griffith Stadium, Washington, DC, the Bears won the Ed Thorp Memorial Trophy. This game was also the first professional football championship game broadcast on radio. The Mutual Broadcasting System paid $25,000 for the rights to the game, which was broadcast by Walter Lanier “Red” Barber. 
    1941-Jimmy Dorsey band records, “Tangerine,” Decca 4123
    1941-trumpet/flugelhorn player Franco Ambrosetti born Lugano Switzerland
    1941- America's Pacific fleet lay in ruins at Pearl 
Harbor, President Franklin Roosevelt requests, and receives, a declaration of war against Japan. Leaning heavily on the arm of his son James, a Marine captain, FDR walked haltingly into the House of Representatives at noon to request a declaration of war from the House and address the nation via radio. "Yesterday," the president proclaimed, "December 7, 1941-a date which will live in infamy-the United States of America was suddenly and deliberately attacked by naval and air forces of the Empire of Japan. No matter how long it may take us to overcome this premeditated invasion, the American people in their righteous might will win through to absolute victory." Roosevelt's 10-minute speech, ending with an oath-"So help us God"-was greeted in the House by thunderous applause and stamping of feet. Within one hour, the president had his declaration of war, with only one dissenting vote, from a pacifist in the House. FDR signed the declaration at 4:10 p.m., wearing a black armband to symbolize mourning for those lost at Pearl Harbor. On both coasts, civilian defense groups were mobilized. In New York, Mayor Fiorello LaGuardia ordered the rounding up of Japanese nationals, who were transported to Ellis Island and held in custody indefinitely. In California, antiaircraft batteries were set up on Long Beach and the Hollywood Hills. Reports on supposed spy activity on the part of Japanese Americans began pouring into Washington, even as Japanese Americans paid for space in newspapers to declare unreservedly their loyalty to the United States. War is also declared upon Japan by British, Australia, New Zealand, the Netherlands, the Free French, several South American countries. China declares war upon Germany, Italy and Japan. The latter is a formal declaration only as a de facto state of war has existed between China and Japan for 7 years. Montanan Jeanette Rankin, the first woman elected to Congress and a dedicated lifelong pacifist, casts the sole Congressional vote against the U.S. declaration of war on Japan.
    1941 - Japanese troops occupy the city of Shanghai and capture a small US garrison in the foreign section.
    1941- A US tanker was shelled by a Japanese submarine off Cape Mendocino. During this time period oil fields were fired on as well as small submarines landing, balloon bombs in Oregon, more likely more a "fear" tactic, but it worked as it worked, resulting in many defense projects for landings by Japanese, as well as the inturnment of American citizens of Japanese descent.
    1941 - USS Wake (PR-3), a river gunboat moored at Shanghai, is only U.S. vessel to surrender during World War II.
    1941- The Japanese attack begins with the capture of Bataan Island and the creation of an airstrip for plane refueling. Japanese invasion troops leave Paulau for the Philippines. The main attack begins with massive air bombardment which reduces the American defenses to 17 B-17's and less than 40 fighters. Most of the planes are destroyed on the ground. American General Douglas MacArthur has under his command 130,000 troops (20,000 Americans). His plan to defend the island becomes nonviable after the destruction of the main portion of the his air force and the losses at Pearl Harbor.1941- Fears of offending American public opinion by violating Thailand's neutrality have prevented the British from preparing defenses in Thailand and difficulties with Thai border guards prevent a quick response to the Japanese landings further north.
    1941 - Japanese aircraft attacked Wake Island within hours of the fateful attack on Pearl Harbor. Marines of the 1st Defense Battalion and Marine Fighting Squadron 211 resisted Japanese invasion attempts for over two weeks before finally succumbing to an overwhelming force. A small Japanese landing force leaves Kwajalein escorted by a cruiser and two destroyers.
    1941- Japanese General Yamashita began his attack against the British army at Singapore. General Tomoyuki Yamashita earned the name “Tiger of Malaya” for his masterful capture of Singapore and the whole Malay Peninsula from the British, who had a superior number of troops. Yamashita’s forces landed on the northern Malay Peninsula and southern Thailand on December 8, 1941, and moved rapidly southward toward Singapore, which surrendered on February 15, 1942. The peninsula and Singapore remained under Japanese control throughout the war. Later in the war, while defending the Philippines from Gen. MacArthur‘s return, Yamashita's troops wantonly slaughtered more than 100,000 Filipinos in Manila. He was later tried and executed for war crimes.
    1942 - Eight PT boats (PT 36, PT 37, PT 40, PT 43, PT 44, PT 48, PT 59, and PT 109) turn back 8 Japanese destroyers attempting to reinforce Japanese forces on Guadalcanal.1943- U.S. carriers sank two cruisers and down 72 planes in the Marshall Islands.
    1943-Birthday of James Morrison, Singer, songwriter, known as "The Lizard King," lead singer of The Doors, Jim Morrison is considered to be one of the fathers of contemporary rock. Born at Melbourne, FL, and died at Paris, France, July 3, 1971.
    1944- An American naval force, commanded by Admiral Smith and consisting of 3 heavy cruisers and a destroyer escort, bombarded Iwo Jima.
    1944 - On Leyte, the US 77th Division advances from its beachhead to within 1 mile of Ormoc. Attacks by the Japanese 26th Division, near Buri, are repulsed by other US forces.
    1944---FRYAR, ELMER E. Medal of Honor
Rank and organization: Private, U .S. Army, Company E, 511th Parachute Infantry, 11th Airborne Division. Place and date: Leyte, Philippine Islands, 8 December 1944. Entered service at: Denver, Colo. Birth: Denver, Colo. G.O. No.: 35, 9 May 1945. Citation: For conspicuous gallantry and intrepidity at the risk of his life above and beyond the call of duty. Pvt. Fryar's battalion encountered the enemy strongly entrenched in a position supported by mortars and automatic weapons. The battalion attacked, but in spite of repeated efforts was unable to take the position. Pvt. Fryar's company was ordered to cover the battalion's withdrawal to a more suitable point from which to attack, but the enemy launched a strong counterattack which threatened to cut off the company. Seeing an enemy platoon moving to outflank his company, he moved to higher ground and opened heavy and accurate fire. He was hit, and wounded, but continuing his attack he drove the enemy back with a loss of 27 killed. While withdrawing to overtake his squad, he found a seriously wounded comrade, helped him to the rear, and soon overtook his platoon leader, who was assisting another wounded. While these 4 were moving to rejoin their platoon, an enemy sniper appeared and aimed his weapon at the platoon leader. Pvt. Fryar instantly sprang forward, received the full burst of automatic fire in his own body and fell mortally wounded. With his remaining strength he threw a hand grenade and killed the sniper. Pvt. Fryar's indomitable fighting spirit and extraordinary gallantry above and beyond the call of duty contributed outstandingly to the success of the battalion's withdrawal and its subsequent attack and defeat of the enemy. His heroic action in unhesitatingly giving his own life for his comrade in arms exemplifies the highest tradition of the U.S. Armed Forces.
    1945 - The Toyota Motor Company received permission from the occupation government to start production of buses and trucks--vehicles necessary to keep Japan running. After World War II ended with Japan's surrender on September 3, 1945, Japan remained under Allied occupation ruled by an occupation government. Its war industries were shut down completely. This was the first rumble of the postwar auto industry in Japan.
    1945---Top Hits
It’s Been a Long, Long Time - The Harry James Orchestra (vocal: Kitty Kallen)
That’s for Me - Dick Haymes
It Might as Well Be Spring - The Sammy Kaye Orchestra (vocal: Billy Williams)
It’s Been So Long Darling - Ernest Tubb
    1946-The first snow-melting apparatus using pipes embedded in the sidewalk was test by Best and Company, a department store in New York City, which installed a system of 15 coils comprising 4,530 feet of pipe. A solution of about 67 percent water and 33 percent antifreeze by volume was circulated as protection against freezing temperatures as low as five degrees below zero. The system was put into full operation during a blizzard on December 26.
    1949- As they steadily lose ground to the communist forces of Mao Zedong, Chinese Nationalist leaders depart for the island of Taiwan, where they establish their new capital. Nationalist leader Chiang Kai-shek left for the island the following day. This action marked the beginning of the "two Chinas" scenario that left mainland China under communist control and vexed U.S. diplomacy for the next 30 years.
    1950-Ralph J Bunche becomes the first Black person awarded a Nobel Peace Prize.
    1953---Top Hits
Rags to Riches - Tony Bennett
Many Times - Eddie Fisher
Vaya Con Dios - Les Paul & Mary Ford
There Stands the Glass - Webb Pierce
    1953 - Los Angeles, California became the third largest city in the United States, edging out Philadelphia, Pennsylvania for the distinction in a special census. Today Los Angeles is the second largest United States' city, and the 16th most populated city in the world.
    1953-Singer Diane Schuur born Seattle, WA

    1956-"Singing The Blues" by Guy Mitchell tops the Billboard chart for the first of an eleven week stay. Marty Robbins' version of the same song was released simultaneously and peaked at number 17.
    1958-"The Chipmunk Song" by David Seville and the Chipmunks entered the Billboard Top 40 chart on its way to a four week stint at #1.
    1959-The first movie with scent was “Behind the Great Wall, “ a travelogue of modern China, presented at the De Mille Theatre, New York City. The film depicted a tiger hunt, fishing with cormorants, a May Day parade in Beijing and other scenes. The scent was forced through ceiling vents by the Aromarama process.
    1959 - No. 1 Billboard Pop Hit: "Heartaches by the Number," Guy Mitchell.
    1961-The Supremes begin recording their third single, the Smokey Robinson penned "Your Heart Belongs To Me", which will become the group's first Billboard charting record, peaking at #95.
    1961-The Beach Boys first recording, "Surfin'", is released on Candis Records, a small L-A based company. The song was written by Brian Wilson and his cousin Mike Love and recorded with Brian's brothers, Carl and Dennis and their friend Alan Jardine. Carl played acoustic guitar, Al played double bass and Brian kept time on a garbage can.
    1961---Top Hits
Please Mr. Postman - The Marvelettes
Goodbye Cruel World - James Darren
The Twist - Chubby Checker
Big Bad John - Jimmy Dean
    1961 - "Surfin’", the Beach Boys' first record, was released on Candix Records, becoming a local hit in Los Angeles, California, but only making it to #75 nationally in the Untied States. The surfing music craze wouldn't sweep across America for another year. By the time "Surfin’ Safari" hit Top 40, in September 1962, the Beach Boys were riding a wave of popularity. 
    1962 - International Typographical Union's striking workers closed nine New York City newspapers. The strike lasted 114 days, before it ended on April 1, 1963, affecting a total of 5,700,000 readers. The loss of coverage made people turn on radio and television. The San Francisco Chronicle basically just closed this department as they announced all typeset is now digital, not with film or negatives that made print. Hot lead typesetting, linotype, went out in the early 1960’s.
    1963--19 year old Frank Sinatra Jr. was abducted at gunpoint from his hotel room at Harrah's Casino in Lake Tahoe, California. Two days later, he was released unharmed after his father paid the kidnappers' $240,000 ransom demand. Three amateur criminals were rounded up within a week and later tried, convicted and sent to prison. Today he sings his father's songs at charity and other private events.
    1963 - Lightning caused the crash of a jet airliner killing 81 persons at Elkton, MD
    1964-Nobel Peace Prize awarded to Dr Martin Luther King Jr, 
    1965 - On Broadway, Humphrey Bogart’s wife, Lauren Bacall, opened in "Cactus Flower", also starring Barry Nelson. The production ran for 1,234 performances, and was awarded Best Play honors.
    1967-Traffic's "Mr. Fantasty" LP is released.
    1968---TAYLOR, KARL G., SR. Medal of Honor
Rank and organization: Staff Sergeant, U.S. Marine Corps, Company 1, 3d Battalion, 26th Marine Regiment, 3d Marine Division (Rein), FMF. Place and date: Republic of Vietnam, 8 December 1968. Entered service at: Baltimore, Md. Born: 14 July 1939, Laurel, Md. Citation: For conspicuous gallantry and intrepidity at the risk of his life above and beyond the call of duty while serving at night as a company gunnery sergeant during Operation MEADE RIVER. Informed that the commander of the lead platoon had been mortally wounded when his unit was pinned down by a heavy volume of enemy fire, S/Sgt. Taylor along with another marine, crawled forward to the beleaguered unit through a hail of hostile fire, shouted encouragement and instructions to the men, and deployed them to covered positions. With his companion, he then repeatedly maneuvered across an open area to rescue those marines who were too seriously wounded to move by themselves. Upon learning that there were still other seriously wounded men Lying in another open area, in proximity to an enemy machinegun position, S/Sgt. Taylor, accompanied by 4 comrades, led his men forward across the fire-swept terrain in an attempt to rescue the marines. When his group was halted by devastating fire, he directed his companions to return to the company command post; whereupon he took his grenade launcher and in full view of the enemy, charged across the open rice paddy toward the machinegun position, firing his weapon as he ran. Although wounded several times, he succeeded in reaching the machinegun bunker and silencing the fire from that sector, moments before he was mortally wounded. Directly instrumental in saving the lives of several of his fellow marines, S/Sgt. Taylor, by his indomitable courage, inspiring leadership, and selfless dedication, upheld the highest traditions of the Marine Corps and of the U.S. Naval Service.
    1969---Top Hits
Na Na Hey Hey Kiss Him Goodbye - Steam
Leaving on a Jet Plane - Peter, Paul & Mary
Down on the Corner/Fortunate Son - Creedence Clearwater Revival
Okie from Muskogee - Merle Haggard
    1977---Top Hits
You Light Up My Life - Debby Boone
Don’t It Make My Brown Eyes Blue - Crystal Gayle
How Deep is Your Love - Bee Gees
Here You Come Again - Dolly Parton
    1980 - Former Beatle John Lennon and his wife, Yoko Ono, arrived at New York's Dakota, the apartment house in which they lived, after an early-evening recording session. As they walked through the apartment gates, a lone gunman stopped and fired five bullets into Lennon, killing him almost instantly. The gunman, a crazed fan named Mark David Chapman, did not attempt to escape and was immediately apprehended. Lennon's untimely death set off a week of worldwide mourning, and the murder was considered to be the most shocking in the history of rock music.
    1980-Pat Benatar receives a platinum record for her debut album, "In the Heat of the Night." The former waitress and bank teller was discovered late one night at the Catch a Rising Star club in New York. Her album made it to the Top Ten and the follow up, "Crimes of Passion," will go to #2.
    1984-"Out Of Touch" becomes Hall and Oates' sixth US number one single, confirming their status as the most successful duo in Rock history
    1985---Top Hits
Broken Wings - Mr. Mister
Never - Heart
Say You, Say Me - Lionel Richie
I Don’t Mind the Thorns (If You’re the Rose) - Lee Greenwood
    1987-Ron Hextall of the Philadelphia Flyers became the first goalie in NHL history to shoot the puck into the opposing team’s net in a 5-2 victory over the Boston Bruins.
    1987 - A cold front crossing the northwestern U.S. continued to produce high winds along the coast, and heavy snow blanketed parts of the western U.S. Snowfall totals in the mountains of western Nevada ranged up to 18 inches at Heavenly Valley, and near the Boreal Ski Resort, and winds at Reno NV gusted to 56 mph. Thunderstorms over southern Florida deluged the Florida Keys with up to five inches of rain. Strong winds, gusting to 48 mph at Gage OK, ushered wintry weather into the Central High Plains. Goodland KS, which one day earlier was 63 degrees, was blanketed with two inches of snow.
    1988 - Santa Ana winds buffeted southern California, with gusts to 92 mph reported at Laguna Peak. The high winds unroofed buildings, and downed trees and power lines, igniting five major fires, and numerous smaller ones. Damage was estimated at 15 to 20 million dollars
    1990 - Stevie B's "Because I Love You (The Postman Song)" reaches No. 1 on Billboard's Hot 100, a position it holds for four weeks. Billboard ranks it the top song of 1990.
    1991-The Union of Soviet Socialist Republics ceased to exist, as the republics of Russia, Byelorussia and Ukraine signed an agreement at Minsk, Byelorussia, creating the Commonwealth of Independent States. The remaining republics, with the exception of Georgia, joined in the new Commonwealth as it began the slow and arduous process of removing the yoke of Communism and dealing with strong separatist and nationalistic movements within the various republics. Khrushchev was long buried as were many communist leaders who had threatened to “bury the U.S.”
    1991-Kimberly Bergalis, the first patient believed to have contracted the AIDS virus from a health care professional, died at Fort Pierce, FL. It is theorized she was infected from her dentist while receiving dental care Her case sparked controversy over how the disease is transmitted and incited calls to ban infected health care professionals form the workplace.
    1992-- Barry Bonds signs the richest contract in major league history. Bobby's son will make $43-million over the next six years with the Giants.
    1993-President Clinton signed the North American Free Trade Agreement which cut tariffs and eliminated other trade barriers between the US, Canada and Mexico. The Agreement went into effect Jan 1, 1994.
    1994---Top Hits
On Bended Knee- Boyz II Men
Here Comes The Hotstepper (From "Ready To Wear")- Ini Kamoze
Another Night- Real McCoy 
Always- Bon Jovi 
    1999---Top Hits
Smooth- Santana Featuring Rob Thomas 
Back At One- Brian McKnight
I Wanna Love You Forever- Jessica Simpson 
My Love Is Your Love- Whitney Houston



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  ---Automatic Evergreen Payment---PPR
- Charles Schwartz and Allied Health
- Copier Wars---It's more than the lease payment
    by Christopher Menkin
- Leasing Gypsies
- Verifying Tax Returns
- 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)
- California License Web Addresses
- Settlement Costs vs. Litigation Costs