CIT Group Wins Approval of Plan to Exit Bankruptcy

More news in Wednesday's edition.

(Regular Edition Follows)

      Add me to mailing list    |           |      Search

Advertising | All Lists | Archives | Classified Ads | This Day In American History



Monday, December 7, 2009

All-time basketball star Larry Joe Bird born December 7, 1956 West Baden, Indiana; 13 seasons with the Boston Celtics, head coach Indiana Pacers 1997-2000; 2003 president of basketball operations for the Pacers.http://www.larrybird.com/Biography.aspx


Correction---Beige Book
  Classified Ads---Legal/Operations/Marketing
   Please Donate or See Who has Donated
    Resource America/LEAF Financial
Leasing 102 by Mr. Terry Winders, CLP
Bank Beat---6 Failures last week/3 in Georgia
   Wells Fargo’s Wachovia Announcement
Top Fifty Banks in the United States
It’s so slow…” Contest entrees
   Top Stories-November 30-December 4
   Classified Ads---Help Wanted
    Placard---Everyone Brings Joy
     Super Broker/Lessor List
Newport Beach, California --- Adopt-a-Pet
News Briefs---
  U.S. Forecasts Smaller Loss Bailout of Banks
   Connecticut Recession Hits Bank Income
  NY aviation firm seeks to purchase ILFC
    Abu Dhabi $1.5B Lease Chicago Parking Meters
   'Tavern Green' fixtures all to go
    Tiger Woods update: 5th mistress
Holidays good time for job hunt
   You May have Missed---
        Sports Brief---
"Gimme that Wine"
    Today's Top Event in History
        This Day in American History
Football Poem
     Daily Puzzle
 Weather, USA or specific area
   Traffic Live----

######## surrounding the article denotes it is a “press release”


Correction---Beige Book

Readers reported the links to the twelve Federal Reserve reporting cities were not opening. To those who tried before they were fixed by Leasing News, the report is being repeated here.

The value is not only knowing what may be happening in a prospective area, but your own area, such as Cleveland. In Bank Beat, AmTrust failed costing the FDIC a predicted $2 billion in insurance funds.

Colleagues who have visited Cleveland report quite a difference in the downtown and several other areas with the economy specifically hitting manufacturing. The Beige Book reports, “Financing remains a major issue for residential and commercial builders.”

The news media says a lot of political pressure was put on regulators regarding AmTrust Bank, but that is true in all of these, both small town and large town, where the investors not only are losing face in the community, but their original investment. Nothing was as embarrassing as the Park Community Bank episode on October 30, 2009 when a major press conference was called in the morning including Timothy Geithner, the U.S. Treasury secretary, U.S. Rep. Danny Davis, U.S. Senator Roland Burris and Oak Park Village President David Pope as well as several bank executives including Park National Chairman Mike Kelly to announce Park National Bank receiving $50 million in federal tax credits from the U.S. Treasury.

At 6pm, the same day, the FDIC closed the bank with US Bank, Minneapolis, Minnesota taking over the 153 branches. The good news, they got the $50 million for the project and are a successful solid run bank.


Beige Book--"Weakness...Commercial Sector"



Classified Ads---Legal/Operations/Marketing

San Diego , CA
Experienced in-house corporate, equipment leasing and financial services attorney seeks position as managing or transactional counsel. Willing to relocate.
Cell Phone: 760-533-4058;
Email: sandidq@msn.com

N. Phoenix, Arizona
Kathleen Gibbons-Erler. Eleven years experience in all office operations, including but not limited to lease processing. Excellent follow up skills. References on Linkedin.com.

Philadelphia/Wilmington, DE
Experienced new business development/marketing professional with expertise in document imaging leasing; Major Account and independent dealer channel activation a strength.  Will travel/relocate.


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

Other e-Mail Posting Sites:



Please Donate or See Who has Donated
(Please click on Kit’s Kettle)



Resource America/LEAF Financial

As complaints still come in regarding the use of “Trigger Leads” by LEAF Financial and the cut-back to a reported 27 employees by LEAF Specialty Finance, the parent company Resource American Leasing filed a notice with the SEC regarding changes in its credit agreement with PNC Bank, extending it another year, but changes the aggregate commitment plus increase the cost and borrowing base:

The Registrant’s indirect subsidiary, LEAF Financial Corporation, and its wholly owned subsidiary, LEAF Funding, Inc., are borrowers pursuant to a $135 million credit agreement dated as of July 31, 2006 with PNC Bank, National Association (as successor to National City Bank). The parties thereto have entered into an amendment dated as of November 30, 2009 that extends the maturity date of the credit agreement until January 29, 2010.

In addition, the amendment reduces the aggregate commitment of the lenders from $135 million to $125 million on December 30, 2009 and then to $115 million on January 19, 2009. The amendment also sets the interest rate for base rate loans to the base rate established by the agent plus 4.00% and for LIBOR loans to LIBOR plus 5.00%. The borrowers' borrowing base shall now be calculated at 87.5% of the sum of the net present value of the borrowers' eligible leases and loans. The Registrant is not an obligor or a guarantor under the credit agreement.”

Resource America, Inc. (NASDAQ:REXI) earlier announced that it will release today, December 7, 2009, after market hours, the fourth fiscal quarter and year ended September 30, 2009.

Investors and other interested parties are invited to listen to the live webcast of its quarterly conference call on Tuesday, December 8, 2009, at 8:30 a.m. EST.

This call will be webcast live and can be accessed by investors and other interested parties from the home page of the Company's website at www.resourceamerica.com. For those unable to listen to the live broadcast, the replay of the webcast will be available following the live call on the Resource America, Inc. website and telephonically beginning at 11:30 a.m. EST on December 8, 2009 until January 8, 2010 by dialing 888-286-8010, passcode 14018877.

Resource America SEC filing:

Trigger Lead Articles:


Leasing 102
by Mr. Terry Winders, CLP


Now that the economy is starting its long way back, how much do you know about commercial equipment leasing for 2010? Do you understand the effects of the past increases in income tax depreciation and expenses on the balance sheet and cash flow of your customers? Do you know the condition of their emotions on how they plan to cope with staying in business try to obtain new equipment at the lowest price to be in position to take advantage of new orders? Do your vendors have the correct lease arrangements to compete? Next year will see a major shift in providing lease and equipment financing for American business and you better be prepared and educated to discuss all of the options available under the new environment that will present itself.

For some of us who have been around leasing since the early 1980’s it is feeling like déjà vu because the market is tight and you will need to understand how tax leasing and equipment finance offers the solutions the customer needs. To save money many businesses took the 50% increase cost recovery (depreciation) provided by the government but many will be in a strange tax position for 2010. If they make money in 2010 the reduce depreciation because of the heavy use of first year depreciation in 2009 will leave them in a quandary for tax expenses in 2010. On the other hand if they are just holding on and not making much money they will not need depreciation so tax leasing will be back in vogue. Just like it was in the early 80’s. It is going to be an interesting market.

For 2010, Section 179 will allow a business to expense up to $134,000 of qualified property until it purchases over $530,000, above which allowable deduction is reduced dollar for dollar and totally phases out at $664,000.  Right now for 2011, the expensing limit goes back to $25,000 with an investment ceiling of $200,000.  My guess is the limitation will be raised to 2010 levels “permanently” in 2010 legislation, but as we stand now it’s 25K. The stimulus increase in first year depreciation is gone for 2010 but the effects will be here for a few years yet. We are back to standard MACRS.

What I have discovered is because of the high tax advantages caused by the stimulus and section 179 there was more interest in bargain option leasing ($1 out) and our industry created a large effort to present this type of leasing and brought hundreds of sales personnel into the business. No training was necessary because it was easy to sell and funding was also much easier. However it appears that for 2010 what was commonly called tax leasing will once again bring the old leasing skills back to the market place and very few current sales people have them. Reliance on residuals, tax documentation with return conditions, and equipment studies will come back as important talents so training will be hot on the minds of management if the budges will allow.

One large problem, however, like it was in the 80’s was where to fund these deals. We have let ourselves be lured away from finding tax leasing sources because of lack of interest theses last few years. Now who is going to fund tax deals and who has the talent to review the equipments use and determine the maintenance requirements? Plus can you afford the training that will be necessary to bring the sales force up to speed on how to obtain the correct information and structure a lease with more than rate as an issue. Or “perhaps” can you not afford to do this training and are you just going to sit on the sidelines and fight for the scraps because you failed to heed the call. Please learn your trade and get to the available seminars to learn about how to sell commercial equipment training!

Mr. Terry Winders, CLP, has been a teacher, consultant, expert witness for the leasing industry for thirty years and can be reached at leaseconsulting@msn.com or 502-327-8666.

He invites your questions and queries.

Previous #102 Columns:

(This ad is a “trade” for the writing of this column. Opinions
contained in the column are those of Mr. Terry Winders, CLP) 



Bank Beat---6 Failures last week/3 in Georgia
Wells Fargo’s Wachovia Announcement

The 66 branches of AmTrust Bank, Cleveland, Ohio were closed Friday after a lot of local political pressure to keep it open. The FDIC arranged for New York Community Bank, Westbury, New York, to assume all of the deposits and this Eastern Bank now enters the arena. The bad news: FDIC estimates that the cost to the Deposit Insurance Fund (DIF) will be $2.0 billion.

AmTrust was originally a savings and loan started on January 1, 1921 and in the last year, September to September, went from 2,325 full-time employees to 1,728. It didn’t help.

Changing to a bank and under new investors, in 1989, Ohio Savings Bank purchased Palm Plaza Savings Bank in Boca Raton, Florida. This purchase resulted in the establishment of the AmTrust Bank division. In April 2007, Ohio Savings Bank was renamed as AmTrust Bank as the bank was going nationwide.

November, 2007 AmTrust Bank announced “Mavent is reviewing loans processed by Ohio Savings for compliance with all local, state and federal high cost laws, portions of the Truth in Lending Act, and Fannie Mae's points and fees threshold test.

“Upon the signing of the agreement, Ohio Savings began submitting loan data for review through the Mavent Compliance Console ... “

The OTS in 2008 warned the bank to improve its numbers, at the same time the idea floated about selling some of its branches, but as time went on the numbers became worse.

In a November, the OTS continued to report AmTrust with "unsafe and unsound banking practices" and gave management a Dec. 31 deadline to shore itself up or face further regulatory action.

The Tier 1 as of September 30, 2009 was 4.15%. Net equity had dropped from $944 million September 30, 2008 to $276.5 million September 30, 2009; net income from a loss of $353 million to a loss of $482.3 million. Net operating income from minus $369.4 million to minus $604 million September 30, 2009 including charges offs of $409 million in 2008 to charges offs of $604 million.

As of October 27, 2009, AmTrust Bank had total assets of approximately $12.0 billion and total deposits of approximately $8.0 billion. New York Community Bank did not pay a premium to assume all of the deposits of AmTrust Bank. In addition to assuming all of the deposits of the failed bank, New York Community Bank agreed to purchase approximately $9.0 billion in assets of AmTrust Bank.

As reported earlier in the story, the cost was high due to the deteriorating situation of the bank. The FDIC estimates that the cost to the Deposit Insurance Fund (DIF) will be $2.0 billion.

Cleveland.com interviewed the major banks in the area who believe the New York bank purchase will increase business in the area. Everyone hopes so as competition may get all the banks lending more loosely (oh, really?)



Georgia Banks—Three fail

There have been many articles in the New York Times as well as the Atlanta-Journal, noted in previous columns, about the banking problems in Georgia, with more banks to fail, as well as bank executives with high perks and lending authority. The Tattnall Bank becomes the 24th to fail in Georgia. Greater Atlantic Bank had a loss the following year of $9.5 million and another $6 million loss this year.

The Buckhead Community Bank, Atlanta, Georgia six branches established February 6, 1998 with 88 full time employees were closed with State Bank and Trust Company, Macon, Georgia, to assume all of the deposits. The bank was the brainchild of Charlie Loudermilk, founder of rent-to-own giant Aaron’s Inc., and the purpose was to grow with the Georgia real estate boom, but is one now of 24 who sustained huge losses once the housing market collapsed and have failed.

As of November 6, 2009, The Buckhead Community Bank had total assets of approximately $874.0 million and total deposits of approximately $838.0 million. The FDIC and State Bank and Trust Company entered into a loss-share transaction on approximately $692 million of The Buckhead Community Bank's assets.

September 30, 2009 Tier 1 risk-based capital ratio: 1.12%. Net equity September 30,2008 was $99.5 million and same period 2008: $8.6 million with net income 2008 September 30 a loss of $3.2 million, 2009 same time period, loss of $59.8 million also making a loss operating income of a minus $59.8 million.

The FDIC estimates that the cost to the Deposit Insurance Fund (DIF) will be $241.4 million.

The two branches of The Tattnall Bank, Reidsville, Georgia, founded October 22, 1900 with 20 full time employees were closed Friday with HeritageBank of the South, Albany, Georgia, to assume all of the deposits, As of September 30, 2009, The Tattnall Bank had total assets of $49.6 million and total deposits of approximately $47.3 million

The Tier 1 as of September 30, 2009 risk-based capital ratio was 2.02%. Net equity was $3.9 million September 30, 2008 to $797,000 September 30, 2009 with income the year before a loss of $803,000 to a September 30, 2009 loss of $2.28 million. Charge off the previous year period were $803,000 and this year period $2.28 million. Net operating income was a minus $2.26 million.

The FDIC estimates that the cost to the Deposit Insurance Fund (DIF) will be $13.9 million.

The four branches of First Security National Bank, Norcross, Georgia established June 25, 1985 with 24 full time employees were closed Friday with State Bank and Trust Company, Macon, Georgia, to assume all of the deposits. State Bank and Trust Company agreed to purchase approximately $118.0 million of the failed bank's assets. As of September 30, 2009, First Security National Bank had total assets of approximately $128.0.

Tier 1 risk-based capital ratio was 2.88% with Net equity September 30, 2008 was $14.1 million and September 30, 2009: $2.48 million. Previous year September 30, 2008 income was a loss of $2.37 million and 2009 $9.71 million.

The FDIC estimates that the cost to the Deposit Insurance Fund (DIF) will be $30.1 million and total deposits of approximately $123.0 million.

The five branches of Greater Atlantic Bank, Reston, Virginia with 46 full time employees were closed Friday with Sonabank, McLean, Virginia, to assume all of the deposits. This is the 130th bank to fail this year, and the first in Virginia. The bank was established May 27, 1887. Greater Atlantic Bank had total assets of approximately $203.0 million and total deposits of approximately $179.0 million. This is the 130th bank to fail this year and the first in Virginia.

Tier 1 risk-based capital ratio on September 30, 2009 was 2.20%. The equity had gone from 7.2 million the same time period in 2008 to minus $1.6 million. Net income in same period in 2009 was a loss of $9.5 million and September 30, 2009 a loss of $6 million.

The FDIC estimates that the cost to the Deposit Insurance Fund (DIF) will be $35 million.

The five branches of Benchmark Bank, Aurora, Illinois with 42 full time employees were closed Friday with MB Financial Bank, National Association, Chicago, Illinois, to assume all of the deposits. The bank was established January 1, 1898 and became the 20th to fail in Illinois. The FDIC and MB Financial Bank, N.A. entered into a loss-share transaction on approximately $139.0 million of Benchmark Bank's assets.

The tier 1 as of September 30, 2000 was one of the worst reported on bank failures, a minus 16.77%. Equity capital had gone from $16.1 million September 30, 2009 to a minus $23.3 million. Net operating capital was a minus $30.7 with a loss of $471,000 September 30, 2008 to a loss of $30.7 million the same time period, 2009.

The FDIC estimates that the cost to the Deposit Insurance Fund (DIF) will be $64 million. http://www.fdic.gov/news/news/press/2009/pr09223.html


Wells Fargo made the announcement: "One hundred and one Wachovia banking branches and 21 Wells Fargo banking stores will be combined into nearby stores." That was a pretty good press release, it means they are closing 132 branches, letting most of the employees go.

The press release went further, "Seriously, we're going to be offering our customers more convenience than ever before with more than 1,000 retail banking stores and over 3,200 ATMs in California!"


List of Bank Failures:

Previous Bank Beat columns:



“It’s so slow…” Contest entrees

"It is slow here I received an approval on a credit application before I submitted it."

Tony Polito CLP
1st Priority Acceptance LLC
Tallmadge, Ohio

"It's so slow, that sales reps are actually returning emails and phone calls!"


"It's so slow my HP 17B forgot how to calculate a yield."

Richard Carney
Gulfstream Business Capital, Inc.
"Financing Business and Technology"
Clearwater, Florida

Please send entries to kitmenkin@leasingnews.org




Leasing News Top Stories-November 30-December 4

Here are the top ten stories opened by readers:

(1) Tiger Woods: Injuries Caused by Wife, Not SUV

(2) Pictures from the Past
Balboa Capital Christmas Party 1991 & 1992

(3) Leasing Companies out of Broker Business

(4) Archives, December 1, 2000
Matsco Purchased by Greater Bay Bancorp

(5) Joanie Dolsen Retires/Co. Exits Broker Biz

(6) People's United: Expanding into Equipment Leasing

(7) CMC and the Long Arm of the Law

(8) Bank Beat---Hillcrest Bank, Hillcrest Bank Leasing
Dubai and its Debt—by Christopher Menkin

(9) “It is so slow…” new Contest submissions

(tie) (10) E.A.R. – Sheldon Player Up-date

(tie) (10) “It is so Slow…” Contest—new entreeshttp://leasingnews.org/archives/December%202009/12-04-09.htm#slow

LeasePolice.com - "Your One Stop Vendor Check"

(Leasing News provides this ad “gratis” as a means
to help support the growth of Lease Police)


Classified Ads---Help Wanted

Quail Equipment Leasing

5 years experience with established vendor relationships. We offer great funding capacity for transactions $10k to $10MM. Quail Company's established for over 30 years. Submit resume to: jrudin@quailcap.com

About the company: Quail Equipment Leasing 17 years in
business with the ability to develop specialized programs for
vendors and unique industries: $10K to $10MM.





Super "Broker/Lessor" List

( for funders specializing in “Story Credits, “ please click here
for Broker/Lessors List "A," please click here, for list "B," pleae click here,
for Captive Lessor list, click here.

for Funder List "A," please click here, for Funder List "B," please click here )

There is no advertising fee or charge for a listing. They are “free.” Leasing News makes no endorsement of any of the companies listed, except they have qualified to be on this specific list.

For those who want to be listed on this form, please fill out Super "Broker/Lessors" Form
and fax to 408-374-3843
or you may e-mail to: kitmenkin@leasingnews.org.

Leasing Associations: All non-profit leasing associations are abbreviated. To see the full name and learn more about the association, please click here.

Business Reports: Companies listed may make any netiquette comment about their company or reports or other information in the footnote section of their listing. Leasing News recommends readers also view the footnote as well as the section itself or searching reports on the business.

It also should be noted that if a BBB report listing is found by a reader, as there may not have been one when this was last up-dated, please send the link to maria@leasingnews.org so Leasing News may up-date this section.

BBB - Better Business Report | CBB - Leasing News Complaint Bulletin Board
| CNI - Current News Information

A -Requires Broker be Licensed | B -Sub-Broker Program | C -Warehouse Line | D -Also a Funder

N/R (not reported)
* (no response---these listing do not come from the company directly, but from our research from many sources. It is our policy not to put anything in this section without confirmation.)

In Business Since
Leasing Association
Business Reports
BSB Leasing, Inc.
Bruce Zwillinger, Vice President
800.945.3372 ext. 306
Application only up to $100,000
Quail Capital Corp
Mohammed Ahsan
888-44Quail X23

$10,000 to $10 million, App only $100K

LPI Healthcare Financial Services, Inc.
Kurt Hess
770-579-2900 ext. 1100
$15,000.00 up to $2,000,000.00
Affiliated Investment Group, Inc.
Jim Lahti , CLP
PH: 512-336-7335
FAX: 512-336-7336


$25,000 min., $250,000 max.

"Ap only" program $25,000 - $75,000

Leasing Solutions, LLC
Steve Geller, CLP
$5,000 +
  * * * *

N/R (not reported)
* (no response---these listing do not come from the company directly, but from our research from many sources. It is our policy not to put anything in this section without confirmation.)

(A) BSB Leasing, Inc has been providing syndication services for brokers nationwide since 1982 and have been funding business directly since 2002 through BSB Direct Finance, LLC. We offer Brokers a complete internet solution for credit submission and tracking and document preparation.

BSB will fund up to $75,000 App Only on our direct line under BSB Direct Finance, LLC and we now offer App Only up to $100,000 through BSB Syndication (our house syndication group.

Broker Qualify - Please Call or see application on-line at bsbleasing.com

(B) Affiliated Investment Group, Inc. is the proud continuation of over 20 years of serving the broker community. We are a balance sheet, cash flow, credit lender. The primary question on every transaction is "what is the likelihood of being paid back". Our motto is "any equipment, for any Lessee, anywhere in the country". Also known as "The Flexible Funding Source" as we look at a deal with the philosophy of "what's right" about it "how can we make it work". We have significant sources of funds from A to B credits.
Broker Qualify - Yes

(C) Quail Capital offers App Only program up to $100K- nationwide. We also have a special California Only “A” credit program with very competitive rate under “California Express Program”.

On the commercial side, Quail Capital specializes in mid market to large structured and complex transactions. Mohammed Ahsan began his days at Westinghouse Credit (then Atlantic Financial, Mitsubishi Bank, Bank of California and First Sierra) as a funder. He has been in the leasing industry for 29 years. His partner Jeff Rudin has over 29 years leasing experience.

In addition to the equipment leasing, Quail Capital is also involved in Asset Based Lending, Franchise Financing, Acquisition Finance, Sale- Lease Back- Working Capital and facilitate the SBA program.

Broker Qualifying- please call.

(D) LPI-HC specializes in working Capital Loans / Equipment Financing for new and established medical professionals with our target market being dentists, medical doctors, veterinarians and physical therapists. We also offer any type of Medical Practice Refinancing for established medical professionals that want to consolidate all their practice debts and improve their cash flow position. "We have the financial solutions to help start and grow a practice with repayment programs designed for medical professionals to manage their money."
Broker Qualify - Please Call
2260 Rushmore Dr .
Suite B-3
Marietta , GA 30062


These companies basically function as a "broker," meaning most of their transactions are sent to other leasing companies or funders. The great majority of their transactions are on a “non-recourse” basis. They may have a “warehouse” line for “housing” a lease transaction or making payments in advance, or building a portfolio to sell, and they also may “keep” leases for their own “in house” portfolio. They are classified as a “Super Broker” because the great majority do not directly “service” accounts, but “sell” the transaction to another. Their intention it not to act as a “funder,” although they may present themselves as one, but to “sell” to another.

An additional description: the majority of their business comes from others, who are acting as a “broker.” These “deals” may come from an independent, a “company,” or even a “lessor” or “funder.”

Most are very experienced in the leasing industry and well-known.

In relation to the rest of the industry categories, this is the smallest. You will only find the “elite” listed here. To date, Leasing News has turned down eight who have requested to be listed due to not having a “satisfactory” Better Business Bureau report (this does not include those listed on the Leasing News Bulletin Board Complaint who have not applied to date.)

It is Leasing News experience that most “advance rentals” or “deposits” have been kept primarily by those acting as “super brokers,” particularly with “tougher” credits or equipment situations.

Their source of business is varied, meaning both new and experienced brokers will come to them because they may not have the "volume" for the source the "super broker" may have; they may be have sufficent years in the leasing business to qualify for many sources: they may be looking for a better rate than their regular sources, or the transaction was originated by another broker and they need to acknowledge that the transaction comes from another broker, called "sub broker," in the trade (most funders will not accept business from that has been “re-brokered.” .” As important, the sender may not have a regular source for the specific transaction they want to place, such as a young privately held company wanted the lease as “corporate only.”  Both parties also realize the sender may “go direct” or grow to that point or utilize the “Super Broker” as a consultant for new sources.

Most important, the transactions may come from a lessor that wants to satisfy their client, and they have a "minimum" that the transaction does not meet; or perhaps their client is to the maximum amount of exposure for them.

For whatever reason, they come to a "super broker" to place the deal on their behalf.

In the question of sub-broker business, we take for granted that the “super broker” not only has a written agreement with the sub-broker but informs the lessor when submitting an application it has come from a sub-broker. A violation of this will have the company removed from the list.

In addition to the above qualifications, the "Super Broker" must have a "clean" Better Business Bureau rating, no Leasing News Bulletin Board complaints or a poor record, and must belong to a national leasing association, as we view this that they are professional and abide by their association standards and code of ethics.

We also will be verifying warehouse lines or "lessor" lines with their bankers (as done with those on the Story Credit List.)

Leasing News reserves the right not to list any company it believes does not meet the qualifications as stated above.


Newport Beach, California --- Adopt-a-Pet


Breed: Poodle (Miniature) / Terrier (Unknown Type, Small) MixSize: Small 25 lbs (11 kg) or less
Color: White
Sex: Male
Age: Young

Oliver is:
already neutered
good with kids
good with dogs
up to date with shots

Oliver’s story…
Oliver is a year old poodle /terrier mix. He is a very fun , lively & playful boy who loves to go on long walks. He also loves to play with his canine buds of all sizes he just wants to have a buddy. Please give sweet Oliver a chance to complete you home!

All Pup Squad Rescue dogs are spayed/neutered, micro-chipped and up-to-date on their shots. They are not placed on a first come, first serve basis but to the home that best suits their needs. Adoption fee and home check required. If interested please email and tell us a little about yourself and your situation.

Or stop by our adoptions every other Saturday from 12-4pm at Urban Pet (7515 Beverly Blvd., LA 90036)at the corner of Gardner and Beverly Blvd.

Rescue Group: Pup Squad Rescue - Newport Beach

Phone: Please email this shelter below!
(They don't list their phone number here)

E-mail: pupsquadrescue@yahoo.com

Adopt-a-Pet by Leasing Co. State/City

Adopt a Pet




News Briefs----

U.S. Forecasts Smaller Loss from Bailout of Banks http://www.nytimes.com/2009/12/07/business/07tarp.html?emc=na

Connecticut Recession Hits Bank Income

NY aviation firm seeks audience for ILFC purchase

Abu Dhabi $1.5 billion Lease Chicago Parking Meters http://www.nytimes.com/2009/12/06/us/06cncmeters.html?_r=1

'Tavern Green' fixtures all to go

Tiger Woods update: 5th mistress



You May have Missed---

Experts: Holidays good time for job hunt



Sports Briefs

With latest victory, Saints look destined to win

Dolphins stun Patriots with late rally

Redskins get kick in the guts

Immaculate it wasn't, but Raiders win memorable one

Gradkowski's home cooking powers Raiders

Dallas Cowboys remain cold in December with 31-24 loss
http://www.dallasnews.com/sharedcontent/dws/spt/football/cowboys/stories/ 120709dnspocowlede.3282c69c7.html

Olindo Mare's kick sends Seahawks to 20-17 win over 49ers

49ers: A kick in the teeth



"Gimme that Wine"

TTB Approves Calistoga AVA: Application Filed in 2004 http://www.winebusiness.com/news/?go=getArticle&dataid=69602

Electronic Wine Taster

2009 Vintage Report Card: Part 1

Roederer to produce new Ultra Brut

Older rum is always better--Eric Asimov

Wine Prices by vintage
US/International Wine Events
Winery Atlas
Leasing News Wine & Spirits Page
The London International Vintners Exchange (Liv-ex) is an electronic exchange for fine wine.



Today's Two Top Events in History

1931- The nation was mired in the depths of the Great Depression. On January 7, the Committee for Unemployment Relief, formed at President Hoover's command in October 1930, released a report that detailed the depths of the nation's woes. According to the committee, some 4 to 5 million Americans were unemployed. However, the Depression only continued to grow worse, which further swelled the unemployment rolls; by 1932, some 13 million Americans were without jobs.


1941- At 7:55 local time in Hawaii, “a date that will leave in infamy,” nearly 200 Japanese aircraft attacked Pearl Harbor, Hawaii, long considered the US “Gibraltar of the Pacific.” The raid, which lasted little more than one hour, left nearly 3,000 dead. Nearly the entire US Pacific Fleet was at anchor there and few ships escaped damage. Several were sunk or disabled, while 200 aircraft on the ground were destroyed. The attack on Pearl Harbor brought about immediate US entry into World War II, a Declaration of War being requested by President Franklin D. Roosevelt and approved by the Congress, December 8, 1941. US Military intelligence had expected the Japanese to attack Luzon and had sent the aircraft carrier Midway in its direction. It escaped being destroyed, but the intelligence of the day, called for the carrier to return as they now expected no attack in Luzon. On December 10, the Japanese invaded Luzon in the Philippines, where Gen. Douglas MacArthur commanded the defending U.S. and Philippine forces. December 11, Germany and Italy, in a pact with the Japanese, declared war against the United States. Misinterpreting the anti-war sentiment in the U.S., they thought we would not want to enter two separate wars, particularly with a decimated U.S. Navy and would leave Asia and Australia for Japan to conquer. They thought American’s weak and without the will, particularly without the weapons to fight back.
( http://memory.loc.gov/ammem/today/dec07.html )



This Day in American History


 1661--Under pressure from the British Parliament, the American Colony of Massachusetts suspended its Corporal Punishment Act of 1656, which had imposed harsh penalties on Quakers and other religious Nonconformists.
    1787-The Federal Constitution was signed by all 30 members of the Constitutional Convention. Thomas Collins, who was president of Delaware at that time, automatically became the first state governor.
    1787 - Delaware became the "First State" when it was first to ratify the proposed United States Constitution. As a result of their quick action, it was admitted first into to the Union. Also known as the Diamond State, Delaware is the smallest of the Southern states and is the second smallest of all 50 states. The state bird of Delaware is the blue hen chicken.
    1787- In Dover, Delaware, the U.S. Constitution is unanimously ratified by all 30 delegates to the Delaware Constitutional Convention, making Delaware the first state of the modern United States. Less than four months before, the Constitution was signed by 37 of the original 55 delegates to the Constitutional Convention meeting in Philadelphia. The Constitution was sent to the states for ratification, and, by the terms of the document, the Constitution would become binding once nine of the former 13 colonies had ratified the document. Delaware led the process, and on June 21, 1788, New Hampshire became the ninth state to ratify the Constitution, making federal democracy the law of the land. Government under the U.S. Constitution took effect on March 4, 1789.
    1796- Electors chose John Adams to be the second president of the United States.
    1801- Abigail Hopper Gibbons birthday- U.S. prison reformer and whose New York home was a stop for runaway slaves. Raised in the Quaker tradition of good works, she was instrumental in established reform in women's prisons in New York, personally assisted and aided a number of assistance programs including a home for indigent infants and children. She nursed for 3.5 years during the civil War and her criticisms and reforms of hospital and surgical conditions earned her the enmity of many Army officers and medical men. Her pre-war anti-slavery campaigns translated into compassionate care for the freed slaves; her home had been a stop for runaway slaves. Her fight for police matrons rather than men guards who often abused and raped women prisoners was one of her most significant campaigns and at age 91 she was victorious in the creation of a women's reformatory in New York City.
   1805 - Having spied the Pacific Ocean for the first time a few weeks earlier, Meriwether Lewis and William Clark cross to the south shore of the Columbia River (near modern-day Portland) and begin building the small fort that would be their winter home.
   1808- James Madison was elected president in succession to Thomas Jefferson.     
   1808-James Madison was elected president of the United States. George Clinton, Republican of New York, was elected vice-president. The electoral vote was Madison, Democratic-Republican of Virginia, 122, Charles Cotesworth Pinckney, a Federalist of South Carolina, 47' George Clinton, 6. In the vice president race the electoral vote was Clinton, 113; Rufus King, Federalist of New York, 47
    1836- Martin Van Buren was elected president of the United Sates. The electoral vote was Van Buren, 170; William Henry Harrison, Anti-Masonic candidate, 73: Sen. Hugh L. White of Tennessee, anti-Jacksonian Democrat, 26; Daniel Webster, Massachusetts Whig candidate, 14; and William P. Mangum of North Carolina, 11. The popular vote was Van Buren, 761,549; Harrison, 549,567; White 145,396; Webster, 41,287. None of the four vice presidential candidates received a majority of the electoral votes. The Senate, for the first and only time, had to choose, naming Richard M. Johnson of Kentucky to the office.
    1842 --The Philharmonic Society of New York, the first permanent orchestra in the U.S., held its first concert. Despite uncomfortable seating, the event was a huge success. They performed works of Beethoven.
    1848- father and son who were senators at the same session were Henry Dodge of Wisconsin and his son Augustus Caesar Dodge of Iowa, who sat this day together to February 22,1855, in the 30 th to 33 rd Congresses. They had previously served as delegates to the House of Representatives in the 27 th and 287 th Congress, From March 4, 1941, to March 3, 1945, prior to the statehood of their territories. Henry Dodge continued to serve in the Senate until March 3, 1857.
    1848-Lt. Lucian Loeser arrived in Washington with 230 ounces [6.5 kg] of gold stuffed into a tea caddy. It was placed on display at the War Department and caused much excitement.
    1865-The Stetson hat is introduced as John Stetson opens one-man hat factory in Philadelphia, Pa. Stetson, the son of a hat maker, had previously attempted to establish himself in the business, but ill health had forced him to travel to Illinois, Missouri, and Colorado. During his travels he had noticed the style of hat favored by westerners and, after a slow start in Philadelphia, he began to design new hats based on the western styles. His business began to expand rapidly. By 1906, he employed 3500 workers and was selling 2,000,000 hats a year. The Stetson hat had a broad brim and its crown was tall, enough to sport ten ornamental braids, known as galloons. It was the mispronunciation of the word galloon, which gave the world the term ten-gallon hat.
    1868-- Jesse James gang robs bank in Gallatin MO, kills 1, take is $700.
    1873-Birthday of American author Willa Cather born at Winchester, VA. Died at New York, NY, April 24, 1947. Best known for her novels about the development of early 20 th -century American life, such as “Pioneers/ and My Antonia. She won a Pulitzer Prize in 1922 for her book One of Ours.
    1874-About 70 blacks were killed when they attacked the courthouse at Vicksburg, Miss. The blacks rioted over the intimidation and ejection of a carpetbag sheriff by the white of Vicksburg. (history does not record whether they were born here or where, thus they a "blacks" to historians )
    1885--- The last spike is driven in the first Canadian transcontinental main line at Craigellachie B.C. in the Eagle Pass. Van Horne makes his famous fifteen-word speech "All I can say is that the work has been well done in every way".
    1909- bandleader Teddy Hill born Birmingham, AL.
    1911-Singer/trumpet player Louis Prima Birthday
    1916-Woodrow Wilson was reelected president of the United States. Thomas R. Marshall was reelected vice president. The election was so close that the out come was uncertain for three days, when it became clear the Wilson had carrier California, but by fewer than 4000. votes. The electoral vote was Wilson, 277; Charles Evans Hughes, Republican, candidate, 254. The popular vote was Wilson, 91,28,837; Hughes, 8,536,380. In congressional elections, the Democrats lost three seats in the Senate but maintained a 53-42 majority, with one seat going to a minor party. In the House the Democrats again narrowed their majority over the Republicans, 21q6-210, with six seats held by minor parties.
    1925 - In Pittsburgh, Pennsylvania, swimmer Johnny Weissmuller set a world record in the 150-yard freestyle with a time of 1 minute, 25 and 2/5 seconds. Johnny went on to star as King of the Jungle, Tarzan, in movies, and setting records with women he met.
    1926-The first gas refrigerator to be successfully introduced into the American market was the Electrolux, which was sponsored by the Electrolux Refrigerator Sales Company of Evansville, Illinois. A tiny gas flame and a tiny flower of water in the refrigerator took the place of all moving parts, circulating a liquid refrigerant that was hermetically seal in rigid steel.
    1927- Ben Pollack records “Waitin' for Katie, “Memphis Blue.” Boom-chick-a-Boom beat is born.
    1931-Birthday of Bobby Osborne, Musician, mandolin, singer with the duo - Osborne Brothers.
    1931- The nation was mired in the depths of the Great Depression. On January 7, the Committee for Unemployment Relief, formed at President Hoover's command in October 1930, released a report that detailed the depths of the nation's woes. According to the committee, some 4 to 5 million Americans were unemployed. However, the Depression only continued to grow worse, which further swelled the unemployment rolls; by 1932, some 13 million Americans were without jobs. 1934 -Converted major league baseball player Billy Sunday, at age 72, began a two-week revival at Calvary Baptist Church in NY City. (Sunday was an evangelist from 1893 until his death in 1935.

    1935 - Severe flooding hit parts of the Houston, TX, area. Eight persons were killed as one hundred city blocks were inundated. Satsuma reported 16.49 inches of rain. The Buffalo and White Oak Bayous crested on the 9th. (6th-8th)
    1939 --Lou Gehrig is elected to the Hall of Fame. The five-year waiting rule is waived after the 'Iron Horse' is diagnosed with amyotrophic lateral sclerosis (ALS).
    1941- At 7:55 local time in Hawaii, “a date that will leave in infamy,” nearly 200 Japanese aircraft attacked Pearl Harbor, Hawaii, long considered the US “Gibraltar of the Pacific.” The raid, which lasted little more than one hour, left nearly 3,000 dead. Nearly the entire US Pacific Fleet was at anchor there and few ships escaped damage. Several were sunk or disabled, while 200 aircraft on the ground were destroyed. The attack on Pearl Harbor brought about immediate US entry into World War II, a Declaration of War being requested by President Franklin D.Roosevelt and approved by the Congress, December 8, 1941. US Military intelligence had expected the Japanese to attack Luzon and had sent the aircraft carrier Midway in its direction. It escaped being destroy, but the intelligence of the day, called for the carrier to return as they now expected no attack in Luzon. On December 10, the Japanese invaded Luzon in the Philippines, where Gen. Douglas MacArthur commanded the defending U.S. and Philippine forces. December 11, Germany and Italy, in a pact with the Japanese, declared war against the United States. Misinterpreting the anti-war sentiment in the U.S., they thought we would not want to enter two separate wars, particularly with a decimated U.S. Navy and would leave Asia and Australia for Japan to conquer. They thought American's weak and without the will, particularly without the weapons to fight back.
( lower half of http://memory.loc.gov/ammem/today/dec07.html )
   1941---SCOTT, ROBERT R . Medal of Honor
Rank and organization: Machinist's Mate First Class, U.S. Navy. Born: 13 July 1915, Massillon, Ohio. Accredited to Ohio. Citation: For conspicuous devotion to duty, extraordinary courage and complete disregard of his own life, above and beyond the call of duty, during the attack on the Fleet in Pearl Harbor by Japanese forces on 7 December 1941. The compartment, in the U.S.S. California, in which the air compressor, to which Scott was assigned as his battle station, was flooded as the result of a torpedo hit. The remainder of the personnel evacuated that compartment but Scott refused to leave, saying words to the effect "This is my station and I will stay and give them air as long as the guns are going.'' 
1941---*TOMICH, PETER  Medal of Honor
Rank and organization: Chief Watertender, U.S. Navy. Born: 3 June 1893, Prolog, Austria. Accredited to: New Jersey. Citation: For distinguished conduct in the line of his profession, and extraordinary courage and disregard of his own safety, during the attack on the Fleet in Pearl Harbor by the Japanese forces on 7 December 1941. Although realizing that the ship was capsizing, as a result of enemy bombing and torpedoing, Tomich remained at his post in the engineering plant of the U.S.S. Utah, until he saw that all boilers were secured and all fire room personnel had left their stations, and by so doing lost his own life.
1941---*VAN VALKENBURGH, FRANKLIN  Medal of Honor
Rank and organization: Captain, U.S. Navy. Born: 5 April 1888, Minneapolis, Minn. Appointed from: Wisconsin. Citation: For conspicuous devotion to duty, extraordinary courage and complete disregard of his own life, during the attack on the Fleet in Pearl Harbor T.H., by Japanese forces on 7 December 1941. As commanding officer of the U.S.S. Arizona, Capt. Van Valkenburgh gallantly fought his ship until the U.S.S. Arizona blew up from magazine explosions and a direct bomb hit on the bridge which resulted in the loss of his life.
1941--*WARD, JAMES RICHARD  Medal of Honor
Rank and organization: Seaman First Class, U.S. Navy. Born: 10 September 1921, Springfield, Ohio. Entered service at: Springfield, Ohio. Citation: For conspicuous devotion to duty, extraordinary courage and complete disregard of his life, above and beyond the call of duty, during the attack on the Fleet in Pearl Harbor by Japanese forces on 7 December 1941. When it was seen that the U.S.S. Oklahoma was going to capsize and the order was given to abandon ship, Ward remained in a turret holding a flashlight so the remainder of the turret crew could see to escape, thereby sacrificing his own life.   1941--YOUNG, CASSIN  Medal of Honor
Rank and organization: Commander, U.S. Navy. Born: 6 March 1894, Washington, D.C. Appointed from: Wisconsin. Other Navy award: Navy Cross. Citation: For distinguished conduct in action, outstanding heroism and utter disregard of his own safety, above and beyond the call of duty, as commanding officer of the U.S.S. Vestal, during the attack on the Fleet in Pearl Harbor, Territory of Hawaii, by enemy Japanese forces on 7 December 1941. Comdr. Young proceeded to the bridge and later took personal command of the 3-inch antiaircraft gun. When blown overboard by the blast of the forward magazine explosion of the U.S.S. Arizona, to which the U.S.S. Vestal was moored, he swam back to his ship. The entire forward part of the U.S.S. Arizona was a blazing inferno with oil afire on the water between the 2 ships; as a result of several bomb hits, the U.S.S. Vestal was afire in several places, was settling and taking on a list. Despite severe enemy bombing and strafing at the time, and his shocking experience of having been blown overboard, Comdr. Young, with extreme coolness and calmness, moved his ship to an anchorage distant from the U.S.S. Arizona, and subsequently beached the U.S.S. Vestal upon determining that such action was required to save his ship.
    1942 - American PT Boats force a Japanese supply convoy to turn back before landing their supplies on Guadalcanal. The convoy is escorted by 7 destroyers led by Captain Sato.
1942- The U.S. Navy launched the USS New Jersey, the largest battleship ever built.
    1944-Franklin D. Roosevelt was reelected president of the United Sates, the only person ever to win a fourth term. Harry S. Truman was elected vice-president. The electoral vote was Roosevelt, 432, Gov. Thomas E. Dewey, Republican, 99. The popular vote was Roosevelt 25,602,504, Dewey 22,006,285. In congressional elections the Democrats lost two Senate seats but held a 56-38 majority. in the House they gained 24 seats for a 242-190 lease, with two seats held by minor parties.
    1952---Top Hits
Glow Worm - The Mills Brothers
Because You're Mine - Mario Lanza
Why Don't You Believe Me - Joni James
Back Street Affair - Webb Pierce
    1952 - On CBS Radio, "My Little Margie", starring Gale Storm and Charles Farrell, made debuted. The television version of the show began on June 16, 1952. "My Little Margie" lasted 3 years on radio. Storm got her own show, titled "The Gale Storm Show" and recorded several hit songs, including "I Hear You Knocking" and "Ivory Tower" between 1955-1957.
   1954-Marty Robbins becomes the first major artist to cover an Elvis Presley tune when he records the Arthur Crudup composition "That's All Right" for Columbia Records. Robbins' effort will pay off in a Top Ten hit on the Billboard Country chart.
    1956-Birthday of Larry Bird, Hall of Fame basketball player, former coach, born West Baden, In.
    1957 - For the first of 6 weeks, Pat Boone was at the top of the pop charts with "April Love". His other number one hits would include "Ain't That a Shame", "I Almost Lost My Mind", "Don't Forbid Me" and "Love Letters in the Sand".
    1960---Top Hits
Are You Lonesome To-night? - Elvis Presley
Last Date - Floyd Cramer
Poetry in Motion - Johnny Tillotson
Wings of a Dove - Ferlin Husky
    1963-"Dominique" by The Singing Nun was the number one record in North America, edging out The Kingsmen's "Louie, Louie". The song would eventually sell over 1.5 million copies and win a Grammy Award for the year's best Gospel song. Her given name was Jeanine Deckers and she would leave the convent in 1967 before taking her final vows, partly to pursue a recording career, but never repeated her earlier success. In 1985, the center for autistic children in Belgium that she helped to found had closed due to lack of funds. In despair over this failure, the 51 year old Deckers and her friend Annie Pescher committed suicide.
1963-The Beatles appear on a UK show called Juke Box Jury, where host David Jacobs presided over a panel of four celebrities who rendered their judgments on the latest Pop record releases. John, Paul, Ringo and George turned thumbs down on Bobby Vinton's "There, I've Said It Again", which was currently number one in the US. They predicted that Elvis Presley's "Kiss Me Quick" would be a hit, but it stalled at #34 in America the following summer.
1963-The Murmaids, an L.A. trio consisting of sisters Carol and Terry Fischer along with Sally Gordon, enter the Billboard chart with "Popsicles and Icicles", which will rise to #3.
    1964---Mario Savio, leader of Berkeley Free Speech Movement, arrested. Univ. of California-Berkeley administration makes a presentation at the Greek Theatre to 18,000 students; followed by strike by 9,000 of the 27,000 students, and a faculty resolution (824 to 115) supporting the rapidly growing Free Speech Movement. I was there with other reporters covering the event.

    1965-- The Roman Catholic and Greek Orthodox churches formally reconciled themselves by reversing a mutual excommunication of each other, dating back (over 900 years!) to July 1054.
    1965 - In a memorandum to President Lyndon B. Johnson, Secretary of Defense Robert McNamara states that U.S. troop strength must be substantially augmented "if we are to avoid being defeated there." Cautioning that such deployments would not ensure military success, McNamara said the North Vietnamese and Viet Cong "continue to believe that the war will be a long one that time is their ally and their own staying power is superior to ours."
    1968---Top Hits
Love Child - Diana Ross & The Supremes
For Once in My Life - Stevie Wonder
I Heard It Through the Grapevine - Marvin Gaye
Stand By Your Man - Tammy Wynette
    1972-Richard M. Nixon was reelected president of the United States in the greatest Republican landslide in history. Spiro T. Agnew was reelected vice—president. The electoral vote was Nixon, 521; Sen. George S. McGovern, Democrat, 17. The popular vote was Nixon 45,767,2118; McGovern 28,352,668. The Democrats picked up two Senate seats for a 57-43 majority. The Republicans gained 13 seats in the House, but the Democrats still led 255-179, with one seat going to an independent.
1982-- Liz Taylor's 7th divorce ( Senator John Warner)
    1973-The Giants sell future Hall of Fame pitcher Juan Marichal to the Red Sox. The high leg-kicking right-handed Dominican will post a 5-1 record for Boston.
    1974 - "Kung Fu Fighting", by Carl Douglas, reached #1 on the pop charts, staying there for two weeks.
    1974-Barry Manilow's first hit, "Mandy" enters the US chart on its way to number one. The song was originally written by Scott English and Richard Kerr as "Brandy", but was changed by Manilow when a group called Looking Glass had a hit with that title six months before..
    1976---Top Hits
Tonight's the Night (Gonna Be Alright) - Rod Stewart
The Rubberband Man - Spinners
You Don't Have to Be a Star (To Be in My Show) - Marilyn McCoo & Billy Davis, Jr.
Good Woman Blues - Mel Tillis
    1976-Bob Seger's fortunes are about to change when he releases the LP "Night Moves". The record would turn out to be his breakthrough album and took him from being a local Detroit favorite, to an internationally known Rock star. "Night Moves" reached #8 on the US album chart and sold over 5 million copies.
    1980 — The San Francisco 49ers erase a 35-7 halftime deficit to record the biggest comeback in NFL history, beating the New Orleans Saints 38-35 in overtime on Ray Wersching's 36-yard field goal.
    1984---Top Hits
Wake Me Up Before You Go-Go - Wham!
Out of Touch - Daryl Hall & John Oates
Better Be Good to Me - Tina Turner
Your Heart's Not in It - Janie Fricke
    1985- "Broken Wings" by Mr. Mister topped the charts and stayed there for 2 weeks.
    1986 - Basketball coach Pat Riley got his 300th coaching victory when the Los Angeles Lakers downed the Golden State Warriors, 132-100. It only took Pat 416 games to reach the milestone.
    1988 - An outbreak of cold arctic air brought up to 18 inches of snow to the Colorado Rockies, with 14 inches at Boulder CO, and seven inches at Denver. Heavy snow blanketed New Mexico the following day, with 15 inches reported near Ruidoso.
    1991-"Black or White" becomes Michael Jackson's 12th US number one hit, tying him with The Supremes for the third most, behind The Beatles (20) and Elvis Presley
    1996- "Un-Break My Heart" by Toni Braxton topped the charts and stayed there for 4 weeks.
    1999-Earvin “Magic” Johnson, a star of the Los Angeles Lakers basketball team, announced his retirement because he was infected with the HIV virus that causes AIDS. A professional basketball player for 12 seasons, Johnson admitted to having had many unprotected sexual contacts. Johnson changed his mind and signed a one-year, $14,600,000 contract with the Lakers, but retired again on Nov. 2, 1992.
    1999-Alan Kaufman, SF poet, published his anthology of poetry: "The Outlaw Bible of American Poetry." His book “Jew Boy,” an autiobiography, and “the New Generation” have received rave reviews from both readers and professional critics.





Football Poem

Silver Lining to the Clouds of Doubt

When things go wrong, as they sometimes will,
When the road you're trudging seems all up hill,
When the funds are low and the debts are high,
And you want to smile but you have to sigh,
When care is pressing you down a bit,
Rest if you must, but don't you quit.

Life is queer with its twists and turns
As every one of us sometimes learns,
And many a failure turns about
When he might have won had he stuck it out;
Don't give up though the pace seems slow-
You might succeed with one last blow.

Often the goal is nearer than
It seems to be to a faltering man.
Often the struggler has given up,
When he might have captured the victor's cup.
And he learned too late, when night slipped down,
How close he was to the golden crown.

Success is failure turned inside out.
The silver lining to the clouds of doubt-
And you never can tell how close you are,
It may appear when it seems afar;
So stick to the fight when you're hardest hit-
It's when things seem worst that you mustn't quit!





The object is to insert the numbers in the boxes to satisfy only one condition: each row, column and 3x3 box must contain the digits 1 through 9 exactly once. What could be simpler?




Daily Puzzle

How to play:

Refresh for current date:







See USA map, click to specific area, no commercials




Traffic Live---

Real Time Traffic Information

You can save up to 20 different routes and check them out with one click,
or type in a new route to learn the traffic live