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Sales Professionals :

Outstanding opportunities for Equipment Finance Leasing professionals with middle market leasing sales backgrounds, an existing or established book of business, and at least 2 plus years experience.  Fast paced environment.  NYC, Long Island, Westchester and National areas available. Lease teams welcome.

Sales Manager :

Seeking a top NYC based sales manager to become part of an excellent executive team. The job would include recruiting salespeople and supervising up to 20.

Credit Analysts :

Seeking Credit Analysts with at least 2-4 years experience. NYC location

E-Mail :


Please visit our website at:

Wednesday, December 28, 2005


Classified Ads---Collector/Controller/Contract Admin.
    Archives-2002--Cartoon-American Express Biz Finance
        IRS sets '06 Mileage Rates
            Cartoon---Marlin Leasing Sorting
Sales make it Happen
-Listening In a Forest
    "Story Credit" List
        Classified Ads---Help Wanted
            Lease/Finance Calculators on Line
World Book-Full Listing of Leasing Companies
    News Briefs---
        You May Have Missed--
California Nuts Brief---
    "Gimme that Wine"
        Calendar Events
Today's Top Event in History
    This Day in American History
        American Football Poem

Friday-Top Stories in 2005

######## surrounding the article denotes it is a "press release"

Classified Ads---Collector/Controller/Contract Administrator

Thomas J. Depping Looking at Houston from his Sierra Cities office


Collector: Boston, MA. Challenging position where my skills, professional experience, organization, leadership, strategic thinking, creativity, energy, passion, competitive nature will enable me to define opportunities and personal development.
Collector: Jacksonville, East Brunswick, FL. 13 years experience with collection, recovery,re-marketing and legal on commercial loans and leases. Expertise with distressed portfolios, Six Sigma trained. Willing to relocate.



Controller: Seattle , WA
CPA w/ Sarbanes Oxley/ 15 years management exp. as CFO/ Controller/5 yrs w/ PWC Extensive exp providing accounting/ tax guidance for the equipment lease industry. Willing to relocate.

Controller: Southeastern, MI.
Controller & Management experience w/ equip lessors &broker. MBA, CPA w/ extensive accounting, management, securitization experience with public and private companies. Willing to relocate.

Controller: Uniondale, NY
I have a strong multifaceted background in all areas of lease accounting combining my years as a Controller of leasing companies and as Vice-President of Leasing for a NY Bank.

Contract Administrator

Contract Administrator: New York, NY.
10+ years in equipment leasing/secured lending. Skilled in management & training, documentation, policy and procedure development & implementation, portfolio reporting. Strong work ethic.
Contract Administrator: Portland, OR.
6+ years small ticket leasing/financing. Documentation/funding
Policy development &implementation, management &training, process mapping, customer service, broker, vendor, portfolio experience.

For a full listing of all "job wanted" ads, please go to:

To place a free "job wanted" ad, please go to:



Archives---2002--Cartoon-American Express Biz Finance



IRS sets '06 Mileage Rates

The OVLA Lessor

Washington - The 2006 optional standard mileage rates used to calculate the deductible costs of operating an automobile for business, charitable, medical or moving purposes were issue Dec. 2 by the IRS.

Beginning Jan. 1, the standard mileage rates for the use of the car (including vans, pickups or panel trucks) will be:

- 44.5 cents per mile for business miles driven;
- 18 cents per mile driven for medical or moving purposes; and
- 14 cents per mile driven in service of charitable organizations, other than activities related to Hurricane Katrina Relief.

The new rate for business miles compares to a rate of 40.5 cents per mile for the first eight months of 2005. In September, the IRS made a special one-time adjustment for the last four months of 2005, raising the rate for business miles to 48.5 cents per mile in response to a sharp increase in gas prices, which topped $3 a gallon.

AAA says the standard reimbursement of 44.5 CPM can not keep pave with the higher gas prices, insurance, bills, and maintenance.

In 2004, AAA calculated driving a 2005 Taurus for 10K miles would cost 69.1 CPM but now says the real CPM is about 2 cents higher, or 71 cents year.

"We promise to continue closely monitoring the situation. The 2006 mileage rates reflect that gas prices have dropped," IRS Commissioner Mark W. Everson said.

The standard mileage rates for business, medical and moving purposes are based on an annual study by private contractor Runzheimer Internation for the IRS of the fixed and variable costs of operating an automobile.



Cartoon---Marlin Leasing Sorting



- -First article in the series on listening.

Sales make it Happen-Listening In a Forest

Sales Make it Happen

Listening In A Forest

It's likely that anyone who has been involved in sales for any period of time has attended some sort of sales training seminar. If not, they have at least read a book or two about selling. How many salespeople have you met who have ever attended a "listening" class, or read a book about listening?

I've known for some time that salespeople, generally, are among the world's poorest listeners. This, however, isn't merely my opinion. A group of sales consultants some time ago actually used a stopwatch to measure the conversational pauses in sales conversations of experienced, professional salespeople. The results were startling. The average time that elapses from the moment a salesperson asks a question, and then rephrases the question, asks another question, or answers his or her own question is less than one second. You cannot listen to an answer you won't wait to hear! Any number of customer surveys cite poor listening skills as a major complaint customers have about salespeople.

Why aren't salespeople good listeners? It may be that they are so busy "selling" that they allow little time for listening. Sales training seminars and books have done a disservice to salespeople by counseling that the most important task of the salesperson is to ask good questions. Good questions play an important role in most sales interactions, but if most salespeople ask questions, and then immediately move onto another question or another topic before a customer answers, it's no wonder they are pegged as poor listeners by their customers.

Listening isn't difficult, and it has come naturally to all of us for thousands of years. Just think about how you would listen if you suddenly found yourself alone, frightened and smack in the center of a dark, thick forest in the middle of the night. You wouldn't need any particular listening skills or a disciplined approach to listening - you would LISTEN with every cell in your body! As adrenalin pumped through your veins, you would be acutely aware of every sound in the forest. You would hear the sounds of wild animals in the distance, the scurrying of smaller animals around you, the wind sweeping through the trees, and the pounding of your rapid heartbeat accented by your accelerated breathing. None of this would escape your attention. If our ancestors weren't adept at listening, and avoiding the dangers of the forest, we wouldn't be here today writing or reading this article!

So, how can salespeople, and the rest of us, become good listeners? It may surprise you to learn that the last thing I would suggest to anyone interested in improving their ability to listen would be to attend a class or read a book that advertises specific techniques or a disciplined approach to listening. Discipline is the last thing required for effective listening.

Next week we'll explore a back-to-basics approach to listening. What you read will probably strike you as counterintuitive, and may even shock you. It will most likely shake the foundation of everything you've been taught about listening.

--- from the desk of a retired, successful leasing company president.



Story Credit Lessors

( for other "Funder", who do not specialize in "Story Credits," click here
for "Super Broker/Lessor," who primarily place leases, click here
for "Broker/Lessor," click here )

These companies specialize in "C" and "D" credits, often news businesses, or businesses where the principal(s) have Beacon score around 600 or previous difficulties; meaning to become comfortable with the credit and financial situation you need to learn the "story" to make a positive decision, often requiring further security, shorter term, or additional guarantors. Many of these companies may also be a "B," but appear otherwise without the "story" to understand the full financial picture.

(To qualify for this list, the company must be a funder and not a "Broker/Lessor" or "Super Broker/Lessor", along with an acceptable Better Business Bureau Rating and no history of complaints at Leasing News. We reserve the right to not list a company who does not meet these qualifications.)

We encourage companies who are listed to contact us for any change or addition they would like to make. Adding further information as an "attachment" or clarification of what they have to offer would be helpful to readers is very much encouraged.

( To apply to be listed, please fill in this form and fax to 408.374.3843)
Story Credit Form

In Business Since
Leasing Association
Broker Qualify

Financial Pacific Leasing
Terey Jennings CLP,

Please Call or see "Prospective Broker" section on website
IFC Credit Corporation
Gary Trebels, CLP
Vice  President
www. .com Phone- 847-663-6501
Fax- 847-324-1672
$250,000 - $15,000,000+
Please Call
Pawnee Leasing Corporation
Scott Woodring, Vice President/Sales & Marketing
$1,000 - $30,000
One year time in business
Pentech Financial Services, Inc.
Peter C. Eaton
Vice President-Intermediary Markets Group
Phone - 608.661.9536
Fax - 608.661.9533
$250,000 - $3,000,000
Contact Peter Eaton
Sunrise International Leasing Corporation
Carrie Halvorson or Jim Teal,
U.S., Canada, Latin America
minimum no hard cap in place for maximums
One year time in business
Boston Financial & Equity Corporation
Debbie Monosson
$100,000 to $1,500,00
A deal in hand and a full package
Creative Capital Leasing Group, LLC
Alister McNeil
$40,000 - $1,000,00
Please call Broker Manager, Todd or Jason
Summit Leasing, Inc.
James, Klemens, Kevin, Mike, Mark
(800) 736-1530
$20,000 - $400,000
Contact us
Dolsen Leasing Company
Joanie Dolsen,
11 Western State
$10,000.00 - $250,000.00
Please call or visit
Allegiant Partners Incorporated
Doug Houlahan ext. 205
Paul Foster ext. 206
Nationwide, including Alaska & Hawaii
$70,000 to $250,000
For Broker qualification please click here
Blackstone Capital Partners, L.P.
Frank Freer
Phone: 949.250.8789
Fax: 949.250.8798
(except LA, AR and AK)
$50,000 to $2,000,000
Please Call
Black Rock Capital
George Booth
US Canada (F)

$50,000 to $3MM

$250,000 average transaction

Please Call
Forum Financial Services, Inc.
Tim O'Connor
972-690-9444 ext. 225
2140 Lake Park Blvd. Suite 112 Richardson , TX 75080
$50,000 to $1.0 million. Our average size transaction is $250,000.
Preferred Range
$100,000 to $500,000

Please visit our website at
or call 972-690-9444 ext. 225

American Leasefund, Inc.
Tom Davis
800.644.1182 - PH
503.244.0845 - FX
Idaho, Montana, Oregon, Washington
$3,500 - $50,000
Please Call
Bankers Capital
Larry LaChance - President
Nartionwide - 50 States
$25,000.00 +
Please contact Larry LaChance
Cobra Capital LLC
Dale Kluga, President

$50,000 to $1MM

$250,000 average transaction

Please call
Agility Solutions
Hal Hayden
(928) 541-0771
$50,000 - $1,000,000
(Master Lease)
Please Call
ABCO Leasing, Inc.
Don Shipley
VP and General Manager
Phone: 800.995.1897
Western U.S.

$25,000 - $350,000

Broker Qualification, contact:  Rowan Clark, Credit Manager
Phone: 800.995.1897

Barrett Capital Corporation
Barry Korn
Cell: 914.954.1900

United States

Vehicles Only

$10,000 minimum

Please Call
Dakota Financial
Michael Green
Managing Partner
310.696.3030 x 24

$10,000 - $200,000

Radiance Capital, LLC
Karl Probst
(206) 443-8451
(see comments)
$5,000 - $50,000
Please Call
TechLease, L.L.C.
Eric Paton,
$20,000, average transaction size is $200,000
Please Call

(A) Pawnee Leasing Corporation; Some times we go higher than $30,000, but our marketplace is from $1,000 to $30,000.

(B) Allegiant.pdf


(D) ABCO Leasing, Inc. in Seattle area has been operating since 1974 serving the broker community. We required full financial disclosure on every transaction. We do story transaction, but do not like to refer to them as "C" of "D" credits. We think of therm as "A" type credits that have not been discovered yet. In actuallity, we do not really like to look at what most describes as "D" credits.

(E) Black Rock Capital comment: We book anywhere between $15 to 20 million per year. We do no "app only" business and require a full financial package for each transaction. Our average size transaction is approximately $250k and, although, we concentrate in printing, packaging (steel rule die industry) and road construction equipment we do not rule out anything that makes sense. More information can be found at

(F) Black Rock Capital (Ireland) Limited and Black Rock Capital (UK) Limited provide the same services for small to middle market corporations in the European Economic Community and the United Kingdom.

(G) Cobra Capital, LLC. Comments: Our registered trademark "Making impossible possible" is our central marketing tagline for both strong and weak credits. I have developed a 10 year history, (from Cobra and my prior company GALCO), with specialty, non-conforming transactions (story credits) and have a solid reputation for candidly responding to our originators and lessees and working diligently to mitigate deal risk rather than making excuses to turn deals down. Our originators prefer our underwriting approach to non-conforming transactions since unlike most non-conforming funders, we prefer to mitigate risk versus jacking our return. Both Originators and Lessee's prefer our candid approach as we are also frequently asked to advise lessee's and lessors on the best way to structure their bank loans and raise capital due to our 25+ year banking and accounting backgrounds as my partner and I are both former bankers and CPA's.
| Partners Bio | LaSalle Bank Reference | Cole Taylor Bank Reference |

(H) Pentech is the lessor partner with Manifest Funding Services for their Navigator, Navigator Plus & Navigator Direct. This is through our sister company Pentech Funding Services, located in San Diego and headed up by Ron Wagner.

(I) Sunrise International Leasing Corporation Comment: The broker program is " informal program as our primary business is still vendor leasing."

(J) Boston Financial & Equity Corporation, most of our leases are venture capital backed startups and turnarounds. We require full financial disclosures, CPA and internal statements, no tax returns. We do not required additional collateral, no PG's or RE needed. Do not send deals with large tax liens, especially if they are payroll taxes.

(K) Dakota Financial is a collateral-based direct funding source that specializes in C & D level transaction for customers who are unable to receive funding from traditional sources. Our nationwide program provides funding for start-ups as well as credit profiles that have prior bankruptcies, judgements, tax liens, repossessions or slow pays. I would say that the average credit score of our transactions is in the mid 500s. We have done many deals in the sub 500 range. Although we do all kinds of equipment, we specialize in trucks (including over the road owner operators), trailers, yellow iron and logging equipment. I encourage you to go to our website, to find out more information including examples of recent funded transactions.

(L) IFC Credit Corporation also services on a regular basis "A" and "B" credits, but it also considers "story credits."  "As you say, we need to become comfortable with the credit and financial situation and learn the "story" to make a positive decision, often requiring further security, shorter term, or additional guarantors. I would describe the B and C type credits we fund as companies having 'checkered earnings'."

(M) Creative Capital Leasing Group: "We are able to fund tough deals, bad credits, BK's, past tax liens, start ups, used equipment, etc., because we look outside the transaction for real estate, and marketable securities to take as additional collateral."

(N) Blackstone Capital Partners, L.P. lends up to 50% of verified auction value for working capital and/or equipment financing requests (we of course include equipment to be acquired in our valuation). Using this formula, allows Blackstone to approve deals on the assets rather than the credit or cash flow that other lenders desire. Also being an asset lender, we are looking for hard assets i.e. yellow iron, machine tool, manufacturing lines, textile etc... We do not care for soft assets such as computers, furniture, restaurant, or "white elephants" (equipment that is too specific to the clients needs and was specially built for them - there would be no resell available and our liquidity if repossessed would be in jeopardy). If you have any questions, please feel free to call, we will do our best to help or seek the answer for you.

(O) Bankers Capital " We will do ANY Type of Equipment, in ANY industry, in ANY state.  We especially like 6-figure transactions with full financial packages no matter how good or bad they look.  We look to structure the story C&D credits with any kind of additional collateral that makes sense.  It could be with 2nd or 3rd mortgages on residential or commercial Real Estate, additional equipment, cash value life insurance, security deposits, vendor agreements.  We look for any way to make the deal work instead of looking for any way to decline the deal."

(P) Financial Pacific Leasing supports a nationwide network of Brokers and Lessors. We specialize in "B" and "C" credits for established companies as well as companies under two years in business.

(Q) American Leasefund, Inc. funds small hard to do transactions under $50,000.00. Most of the transactions are "app only". We look for additional collateral or larger first payments to help the weaker credits. We maintain and service our own portfolio. All of our lessee billings are done via ACH.

(R) Dolsen Leasing has served the 11 Western States since 1958 and specializes in B & C Credits for established and new companies. We require a full financial package and offer both leases and financing for new and used equipment in the range of $10,000.00 to $250,000.00. Specialties include titled vehicles for both existing and new owner operators. Story credits are considered as long as credit has been reestablished and trends are positive. Credit decisions are based on old fashioned common sense, not credit scores, allowing us a very quick turnaround-often the same day. We accept broker business and also have in house salesmen.

(S) We at Summit Leasing consider ourselves to be primarily "B" credit lenders, working almost exclusively through brokers.

(T) TechLease - due to previous experiences, TechLease is vertically focused on three primary sectors: Semiconductor, Media and Aerospace. We fund all deals and hold paper an all equipment under $250,000. Deals over $150,000 we typically want to meet the Lessee face-to-face. We prefer business in California, however we will fund nationwide.

(U) We specialized in start-up business. These are the northern states we do business in AK, AZ, CA, CO, ID, OR, WA. Click here to read our Product overview and Press Realease.

(V) Agility Solutions; we fund all equipment used by Wireless Internet Service Providers.
Click here to see Leasing News story.

(W) Forum Financial Services, Inc., prefer venture capital backed start-ups and middle market to large corporate turnaround companies including companies in bankruptcy and post bankruptcy. Our absolute minimum sales for an established business with financial problems are $10.0 million. (this does not include venture capital backed start-ups).



Classified Ads---Help Wanted

Equipment Finance & Leasing Representative

Job opening in New England

In this position, you will develop and maintain relationships with lease brokers, leasing companies, equipment vendors and direct lessees throughout New England. Must be knowledgeable in indirect/third party transactions ranging from $15K and up and have in-market experience. Please apply on-line at and view posting 5245.

At M&T Bank, we provide an exciting and challenging work environment where performance and innovative thinking are encouraged and rewarded at every level.
With over 700 branches, your career can travel as far as you want to take it!


Job opening in
Baltimore/Virginia Region

In this position, you will develop and maintain relationships with lease brokers, leasing companies, equipment vendors and direct lessees throughout Baltimore/Virginia Region. Must be knowledgeable in indirect/third party transactions ranging from $15K and up and have in-market experience. Please apply on-line at and view posting 5245

At M&T Bank, we provide an exciting and challenging work environment where performance and innovative thinking are encouraged and rewarded at every level.
With over 700 branches, your career can travel as far as you want to take it!


Sales Professionals :

Outstanding opportunities for Equipment Finance Leasing professionals with middle market leasing sales backgrounds, an existing or established book of business, and at least 2 plus years experience.  Fast paced environment.  NYC, Long Island, Westchester and National areas available. Lease teams welcome.

Sales Manager :

Seeking a top NYC based sales manager to become part of an excellent executive team. The job would include recruiting salespeople and supervising up to 20.

Credit Analysts :

Seeking Credit Analysts with at least 2-4 years experience. NYC location

E-Mail :


Please visit our website at:

Senior Funding Manager

Equipment Leasing
Senior Funding Manager
Portsmouth, NH

If you have a minimum of 4 years experience in Credit and Funding in the Leasing industry we'd like to speak with you. For more information, please contact Rick at




Lease/Finance Calculators On Line
Publish interest tables, also computed the rates into factors, where you could then compute "retail" rates from "wholesale" rates.

For instance, on 60 months .025 was 18% or 10% add on ( in advance) and you could then multiply 1.05 ( if you wanted five points) times it and get the retail rate, the selling rate.
They also have books that had first and last and then with residuals.

A reader asked us for a program that would calculate his commission based on a lease factor. Many founders and equipment leasing companies offer these programs on line, for free. Some allow you to download the program Excel can also do this easily, and if there is a reader who knows the formula, please share with us.

In the old days we would take the factor and multiply it by 1.00 with the commission the salesman was seeking. For instance, .0331 and the salesman wanted five points, multiply 1.05 times .0331 and it would be 034755.

Here are some personal financial portals and calculation tools we will be adding to the page:
Microsoft Money
The Motley Fool
Yahoo! Finance

CNN Money has also a financial calculator and other tools, and it's advantage, it is designed with currency converters, and may other programs at work all over the world:
Savings Calculator:
Retirement Calculator:

Here are some simple calculators:

Create a schedule for paying off leases, loans, credit card balances:
Loan Calculator, which works on Palm and other PC programs

Collection of free financial calculator, including stock spread calculator, rent vs. buy
To reach financial goals:

It there is a calculator we have not mentioned on this page, please let us know as we will share with other readers.

*** * ***

Several sites provide this for free.

International Decision Systems
The base version of IDS' front-end lease pricing and bid-tracking software is available as a free download from

Lease Pro works on the Palm Pilot

International Decision Systems, Inc. (IDS) - the global leader in lease
accounting and portfolio management software systems -offers a new pre-tax
version of InfoAnalysis (IA) that is free. The base version of IDS' front-end lease pricing and bid
tracking software is available as a free download from

IDS website visitors who use this product can explore expanded versions of InfoAnalysis on the
site,including one with an inexpensive bid-tracking module and another with all the important
after-tax features and sales pipeline reporting. Visitors who register also are eligible for a free
web-based training session.



World Book-Full Listing of Leasing Companies

(Worth the price just for U.S. listing, and if you have a lead to out of the country, this is the place to begin )



News Briefs----

Bond Market Sparks Recession Fears Plunging Dow

Yahoo Showing Free CBS Sitcoms

Enron's former top accountant in plea deal, plans to testify against top executives

Holiday sales rise, but gift cards seen changing retail landscape

Dallas closing its 5th-driest year

Google gives non-profits a free ride to donors, needy

Dick Clark vs. Regis on New Year's,1,6222544.story?

New attractions, Disney anniversary push theme park attendance up 4.2%



You May Have Missed

Time to buckle down on credit card debt



California News Briefs---

Democrat Joins Schwarzenegger, and the Grumbling Is Bipartisan



"Gimme that Wine"

Warming Up in the Vineyard, Tom Terrific---Eric Asimov

Toast 2006 with New Champagne Cocktails -- And Sparkling Wine to Suit Any Budget

If you want to know if you got a value for your wine, or what the wine price is today, go to Type in the vintage (year) and name of the producer with wine type or geographic area, such as 1995 Chateau Lynch Bages Pauillac. Even 1995 Lynch Bages will work, or 1999 Viader



Calendar Events This Day

Call-A-Friend Day

This is a promotion of Western Electric during the 1920's when they were struggling along with the rest of the country in a depression.

Why this specific day was chosen was not discovered. Anyone with information, please send to us.

National Chocolate Day

There are many chocolate celebration days throughout the year, such as "heart shaped chocolate day," "chocolate cherry day." Evidently all promotions of confectioners.

Holy Innocents Day ( Childermas )

Commemoration of the massacre of children at Bethlehem , ordered by King Herod who wanted to destroy, among them, the infant Savior. Early and medieval accounts claimed as many as 144,000 victims, but more recent writers, noting that Bethlehem was a very small town, have revised the estimates of the number of children killed to between six and 20.

Return a Gift for Cold Hard Cash Day

Now a days, it is usually the day after Christmas when presents not wanted or the wrong size are exchanged. This day was set aside for those who did not want to get in the rush of exchanging gifts, but for getting "cold hard cash."



Today's Top Event in History

    1945- The US Congress officially recognized the Pledge of Allegiance and urged its frequent recitation in America 's schools. The pledge was composed in 1892 by Francis Bellamy, a Baptist minister. At the time, Bellamy, was chairman of a committee of state school superintendents of education, and several public schools adopted his pledge that year as part of the Columbus Day quadricentennial celebration that year. In 1955, the Knights of Columbus persuaded Congress to add the words "under God" to the pledge.



This Day in American History

    1722--Birthday of Elizabeth Lucas Pinckney . Left to manage her father's three plantations in the Carolinas when he was called back to Antigua as military lieutenant general. Not only did she experiment with various crops trying to produce one that would increase the plantations' income - plantations being agricultural businesses, not family farms - she developed a method whereby the touchy indigo plant could be raised in the harsher Carolina climate. The English government was enthusiastic and subsidized its growing as the U.S. government would later subsidize tobacco. Export reached in excess of one million pounds and was a major income source for the entire region. After her marriage, she developed a method for growing silkworms in the Charleston area and manufacturing silk. As a widow she would return to her family's plantations and manage them - successfully, as usual. Two of her sons were prominent in the new United States politics. Her first shipment of 17 pounds of indigo dye caused a furor in London as merchants found it equal to the dye from the French colonies. The English Parliament gave the South Carolina growers a subsidy. France made it a major crime to export indigo seeds but it was too late. Then ELP did the most unusual thing ... and perhaps the most feminist thing: she distributed the seeds from her crop to any colonist planter who wanted them instead of keeping the magic seeds to herself for her other gain. Within five years, the 17 pounds of dye had increased to 40,000 pounds. This output increased in time and became a major source of income for the fledgling United States that desperately needed cash. President George Washington served as one of the pallbearers at her funeral.
    1732 -- The Pennsylvania Gazette carried the first known advertisement for the first issue of Poor Richard's Almanack by Richard Saunders (Benjamin Franklin) for the year 1733. The advertisement promised "many pleasant and witty verses, jests and sayings . . . new fashions, games for kisses . . . men and melons . . . breakfast in bed, &c." America 's most famous almanac, Poor Richard's was published through the year 1758 and has been imitated many times since. From The Autobiography of Benjamin Franklin: "In 1732 I first publish'd my Almanack, under the name of Richard Saunders; it was continu'd by me about twenty-five years, commonly call'd Poor Richard's Almanack. I endeavor'd to make it both entertaining and useful, and it accordingly came to be in such demand, that I reap'd considerable profit from it, vending annually near ten thousand. And observing that it was generally read, scarce any neighborhood in the province being without it, I consider'd it as a proper vehicle for conveying instruction among the common people, who bought scarcely any other books; I therefore filled all the little spaces that occurr'd between the remarkable days in the calendar with proverbial sentences, chiefly such as inculcated industry and frugality, as the means of procuring wealth, and thereby securing virtue; it being more difficult for a man in want, to act always honestly, as, to use here one of those proverbs, it is hard for an empty sack to stand upright."
    1832- The first vice-president of the United States to resign was the famous John C. Calhoun, who had served as vice-president of the US under two presidents (John Quincy Adams and Andrew Jackson ) Mar 4-1825-December 28,1832). Finding himself in growing disagreement with President Jackson, he resigned the office of vice president to fill the vacancy in the Senate caused by the resignation of Robert Young Hayne, senator from South Carolina . He spent most of his subsequent political life as a US Senator from South Carolina , a strong states right and pro-slavery, where he felt he was more effective than being a vice-president under a man he "despised." advocate.
    1832- In Missouri , St. Louis Academy (founded in 1818) was chartered as St. Louis University . It was the first Catholic university established in the U.S. west of the Allegheny Mountains .
    1837- John A. Pitts and Hiram Abial Pitts of Winthrop, ME, received a patent for a " machine for threshing or cleaning grain" employing steam. the machine separated grain from the straw and chaff.
    1846- Iowa becomes 29 th state. The 29th state's name is derived from an American Indian word meaning 'the beautiful land'. It is widely thought that Iowa 's nickname, the Hawkeye State , is in honor of Black Hawk, the famous Indian chief who led the Sauk and Fox tribes against the Iowa area settlers in the Black Hawk War of 1832. Iowa City was the first capital of Iowa . 11 years later, Des Moines , the state's largest city, became the permanent capital. The Iowa state bird is the eastern goldfinch, the state flower, the wild rose, and the state motto: "Our liberties we prize and our rights we will maintain."
    1848- Gaslight was turned on in the White House. James Knox Polk was the president.
    1851- The Young Men's Christian Association was organized in the United States in Boston , MA . It was patented after a similar organization started in London on June 6, 1844. The first gymnasium was opened in New York City in 1869, and in the same year, the first separate boys' department was opened in Salem , MA . The first YMCA branch for African-American members was organized in Washington , DC , in 1853 by Anthony Bowen and Jerome Johnson, who served respectively as president and secretary.
    1856-(Thomas) Woodrow Wilson, 28 th president of the US was born at Staunton , Virginia . Twice elected president (1912 and 1916,) it was Wilson who said, "The world must be made safe for democracy, "as he asked the Congress to declare war on Germany , April 2, 1917. His first wife, Ellen, died August 6, 1914, and married Edith Bolling Galt, December 18, 1915. He suffered a paralytic stroke, September 16, 1919, never regaining his health. There were many speculations about who (possibly Mrs. Wilson?) was running the government during his illness. His second term of office ended March 3, 1921, and he died at Washington , DC , Feb. 3, 1924. Wilson was the last president to be born in Virginia , the state where the most presidents of the US were from: George Washington, Thomas Jefferson, James Madison, James Monroe, William Henry Harrison, John Tyler, Zachary Taylor and Woodrow Wilson.
    1867- David Groesbeck and Company, a member of the New York Stock Exchange, became the first stock brokerage to use a telegraph ticker. It was installed by the Gold and Stock Telegraph Company, New York City , on a lease of $6 a week from Daniel Drew, who also provided maintenance. It is considered the first "maintenance lease" in America . ( no option to purchase).
    1869-Labor Day was inaugurated by the Knights of Labor, a workers' organization formed in Philadelphia , PA. the first states to declare Labor Day a state holiday were Oregon , In February 1887; Colorado , in March 1887; and New York , in May 1887. The annual nationwide observance of Labor Day was sponsored by the American Federation of Labor, which resolved in convention at Chicago, IL, On October 7, 1884, " that the first Monday in September be set aside as a laborer's national holiday." On June 28, 1894, Congress designed the first Monday in September a legal holiday for federal employees and for the District of Columbia . The first Labor Day parade was held in New York City on September 5, 1882, under the auspices of the Central Labor Union. It featured musical bans and 10,000marchers who carried placards reading " Less Work and More Pay," "Less Hours, More Pay." "Labor Pays All Taxes, " "Labor creates All Wealth," "To the Workers Should Belong the Wealth," and "The Laborer Must Receive and Enjoy the Full Fruit of his Labor."
    1881- Jess Willard, Boxer born at Pottawatomie County , KS . The towering Willard, 6' 6 ¼" tall, took the heavyweight title from Jack Johnson in a fight oat Havana , Cuba on April 5, 1915. He defended his title only once in four years and then lost it to Jack Dempsey on July 4, 19191. Died at Los Angeles , CA. December 15, 1968.
    1891- Thomas Alva Edison of Menlo Park , New Jersey , received a patent for a "means of transmitting signals electrically." In the patent, he stated that "signaling between distant points can be carried on by induction without the use of wires connecting such distant points." Marconi in 1894 experimented with hertzian waves to communicate wireless telegraph and Nathan Stubblefield, claimed he invented it earlier
    1897 - The temperature at Dayville , OR , hit 81 degrees to establish a state record for December
    1903-Pianist/composer Earl "Fatha" Hines Birthday
    1903-Birthday of , Fanny "Bobbie" Rosenfeld - celebrated Canadian track and field athlete, named Canada 's woman athlete of the half-century. In the 1928 Olympics, she won a silver and gold. She excelled in almost every sport from hockey to softball and did it on her own since there were no coaches for women at the time. She became a sports columnist.
    1908- Otto Zachow and William Besserdick of Clintonville , WI obtained a patent for a four wheel brake for cars, calling it a "power applying mechanism", quickly adopted by the car industry who were employing a hand brake against one wheel..
    1912- guitarist Billy Markel born Baltimore , MD
    1921--Singer/Band Leader/Disc Jockey/Musician/Politician Johnny Otis was born in Vallejo , California . I listed to him with "Willie and the Hand Jive" as a disc jockey as I grew up in West Los Angeles , California , saw many of his small and large bank performances, the last at the San Jose Fairmont Hotel. He is a painter/sculptor, and still plays music and appears as on radio every Saturday.
    1924 - Iowa experienced it coldest December morning of record. Morning lows averaged 25 degrees below zero for the 104 weather stations across the state
    1938- Ziggy Elman cuts "Fralich in Swing."
    1940- Herb Jefferies cuts "Flamingo" with Duke Ellington Band, Chicago
    1945- The US Congress officially recognized the Pledge of Allegiance and urged its frequent recitation in America 's schools. The pledge was composed in 1892 by Francis Bellamy, a Baptist minister. At the time, Bellamy, was chairman of a committee of state school superintendents of education, and several public schools adopted his pledge that year as part of the Columbus Day quadricentennial celebration that year. In 1955, the Knights of Columbus persuaded Congress to add the words "under God" to the pledge.
    1949- 1949--Top Hits
I Can Dream, Can't I? - The Tommy Dorsey Orchestra (vocal: Jack Leonard)
A Dreamer's Holiday - Perry Como
Dear Hearts and Gentle People - Bing Crosby
Mule Train - Tennessee Ernie Ford
    1952- The Sonotone Corporation, Elmsford , NY , offered for sale a hearing aid using transistors. It weighed 3.5 ounces and was three inches long.
    1954-Denzel Washington actor ("St. Elsewhere," Glory, Malcolm X), born Mount Vernon , NY .
    1955 - Anchorage , AK , was buried under 17.7 inches of snow in 24 hours, a record for that location.     1958 - Albuquerque , NM , received 14.2 inches of snow to establish a 24 hour record.
    1957--Top Hits
Jailhouse Rock - Elvis Presley
At the Hop - Danny & the Juniors
Great Balls of Fire - Jerry Lee Lewis
My Special Angel - Bobby Helms
    1958-- Chipmunks (Alvin, Simon & Theodore with David Seville) hit #1
    1961-The first airline to carry 100 million passengers was American Airlines, New York City, which selected pioneering aviator Lieutenant General James Harold Doolittle, chairman of the board of Space Technology Laboratories, Los Angeles, as the national symbol of the 100,000,000 th passenger and presented him with a crystal bowl this day.
    1965--Top Hits
Over and Over - The Dave Clark Five
I Got You (I Feel Good) - James Brown
The Sounds of Silence - Simon & Garfunkel
Buckaroo - Buck Owens & The Buckaroos
    1967-- Muriel Siebert pays $445,000 plus $7515 initiation fee to become the first woman to own a seat on the New York Stock Exchange.
    1968 - The (double) album named "The Beatles" (called by most, "The White Album") was #1 in the U.S. It was the Beatles' first album on their own Apple label and was #1 for nine weeks. The tracks: "Back in the U.S.S.R.", "Dear Prudence", "Glass Onion", "Ob-La-Di Ob-La-Da", "Wild Honey Pie", "The Continuing Story of Bungalow Bill", "While My Guitar Gently Weeps", "Happiness is a Warm Gun", "Martha My Dear", "I'm So Tired", "Blackbird", "Piggies", "Rocky Raccoon", "Don't Pass Me By", "Why Don't We Do It in the Road", "I Will", "Julia", "Birthday", "Yer Blues", "Mother Nature's Son", "Everybody's Got Something to Hide Except for Me and My Monkey", "Sexy Sadie", "Helter Skelter", "Long, Long, Long", "Revolution I", "Honey Pie", "Savoy Truffle", "Cry Baby Cry", "Revolution 9", and "Good Night".
    1973--Top Hits
The Most Beautiful Girl - Charlie Rich
Goodbye Yellow Brick Road - Elton John
Time in a Bottle - Jim Croce
If We Make It Through December - Merle Haggard
    1978- Ohio State University football coach Woody Hayes punched a player from Clemson University during Clemson's 19-15 victory in the Gator Bowl. Hayes was upset that the Buckeyes were losing, but OSU official were upset, too. They fired Hayes for the incident.
    1978--- 30th hat trick in Islander history (Mike Bossy
    1981-The first child born in the United States through in vitro fertilization was Elizabeth Jordan Carr, born at Norfolk Hospital , Norfolk , VA.
    1981--Top Hits
Physical - Olivia Newton-John
Waiting for a Girl like You - Foreigner
Let's Groove - Earth, Wind & Fire
Love in the First Degree - Alabama
    1987 - A winter storm produced heavy snow in the Upper Mississippi Valley and the Upper Great Lakes Region. Up to twenty inches of snow buried southern Minnesota , and 20 to 40 mph northwesterly winds produced snow drifts six feet high, and reduced visibilities to near zero at times in blowing snow. There were a thousand traffic accidents in Michigan during the storm, resulting in thirty-five injuries.
    1989--Top Hits
Another Day in Paradise - Phil Collins
Don't Know Much - Linda Ronstadt (featuring Aaron Neville)
Rhythm Nation - Janet Jackson
A Woman in Love - Ronnie Milsap



American Football Poem

Oh how mad I was
One Week Ago
When my beloved Colts Failed
To go 14-0

And then a pro Bowl Error
Ruined my day
Not to mention some injuries
Along the way

But I would take any of those moments
In place of Today
A great leader is hurting
As a nation gathers to Pray

I hear you can tell a lot about a man
By what other people say
And when it comes to Mr. Dungy
You will hear nothing but praise

SO my heart goes out
During your time of Loss
And please allow the Lord
To help carry this cross


Heb. 13:6 "The Lord is my helper, I will not fear what man can do unto me!"