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Interviewing Leasing Professionals With Proven Track Record and Established Book of Business. Envision Provides: 1) Established Funding Sources, 2) Fun Working Environment, 3) Full Benefits (Health Insurance, 401k), 4) Aggressive Commission Structure.
Resumes To:, Contact: Jeff Edwards (949) 225-1712

Envision Capital Group is dedicated to providing the best in class products and service to our employers, customers, vendors and partners in the small and middle ticket commercial finance industry. With over 50 years of combined experience we have the knowledge, skills, abilities and relationships to help you reach your goals.

Friday, December 11, 2009

Rockabilly, pop and country music singer Brenda Mae Tarpley (born December 11, 1944,Lithonia, Georgia), better known as Brenda Lee; 37 US chart hits during the 1960s.She is best known for her 1960 hit "I'm Sorry," and 1957's "Rockin' Around the Christmas Tree," a perennial US holiday standard for more than 50 years.


Brican America Statement to Leasing News
  Classified Ads---Sales Manager
Laurie Bakke President Western Finance & Lease
  Kettle Count (press time)--Stand with us
   Alexa Report---Now US & Worldwide Statistics
Pioneer Capital/FP Holding Stock Sale
   Classified Ads---Help Wanted
  Cartoon---That’s our Mission…
View from the Top--by Steve Chriest
    Expect More from Sales Professionals
“It is so Slow…” Contest to End December 16th
  Happy Birthday Bode Ace Menkin
Bankruptcy Filings Increase Nearly 20%
 ELFA Ralph Petta “Tax Extenders Act of 2009”
  IFA Urges Passage of Small Business Proposals
    LA Lawyer Pleads Guilty Passport Fraud/Tax Evasion
  Bellevue, Washington ---Adopt-a-Pet
News Briefs---
  Canadian Western to buy National Leasing
   Mortgage rates and refinances are up
    Defaults Risk to Linger in 2010
  BofA Repays $45 Billion in TARP Funds
   Geithner defends extension of bank bailout
    GE chief attacks executive ‘greed’
  Just How Much Was Tiger Swinging?
   Las Vegas hotel rates hit rock bottom
    Airport napping rooms
Happy Hanukah!!!
   You May have Missed---
    Califorinia Nuts
    Sports Briefs
     "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”


Brican America Statement to Leasing News:

"There is a detailed public record of filings made in the litigation involving NCMIC and Brican. That record speaks for itself and Brican invites any interested party to read the entire file and raw its own fact based conclusions applying sound principles of law cited. Brican does not believe it appropriate to publicly comment on the merits of a pending lawsuit, especially one which will go to trial in approximately a month. Notwithstanding, Brican also believes that is not acting in a manner that demonstrates it wishes to or does provide fair, adequate and balanced professional reporting. Therefore, Brican will not be goaded into trying its case in this website. To the extent that any person, party or entity (i) causes a false or misleading publication to occur in any setting related to this case, or (ii) which has the effect of defaming any person affiliated with Brican, or (iii) by making statements that have the intended effect of interfering with business relations, Brican shall take all legal action appropriate against all such persons, parties or entities who direct such tortuous actions."

The above is from Brican America regarding NCMIC Finance Corporation dba Professional Solutions Financial Services (PSFS), Clive, Iowa legal claim against Brican for $38 million involving 1672 leases being heard in U.S. District Court Southern District of Florida (Miami) before Magistrate Judge John J. O'Sullivan...

"...mediation will take place before Michael A. Hanzman, Esq. (the “Mediator”) on December 11, 2009, commencing at 1:00 p.m., at the offices of Berger Singerman, P.A, 350 East Las Olas Boulevard., 10th Floor, Fort Lauderdale, FL 33301. The mediation is in respect of all disputes and controversies between Plaintiff NCMIC FINANCE CORPORATION d/b/a PROFESSIONAL SOLUTIONS FINANCIAL SERVICES and Defendant BRICAN AMERICA, INC., as well as any and all matters connected to, related to and arising from the above-referenced proceedings."

Leasing News acknowledges and appreciates the Brican America statement as their viewpoint was sought before the October 5, 2009 story was printed.

The complaint centers on:

"15. In fact, there was at least one additional agreement, a "Marketing Agreement," which related to the Goods or Leases provided to the Lessees, that Brican gave to each of the Lessees, which was not included in the documents that were provided to PSFS for each of the leases."

In the October 5, 2009 alert, both sides were presented: the original complaint and the response:

Copy of complaint:

Brican Response:

Since then, there have been several motions and presentations, including that of Brican America corporate officer Jean-Francois Vincens, a French and Canadian citizen, according to his deposition, here in the United States on a visa. It is not Leasing News intention to be misleading, but to bring to readers attention the story in a fair manner, specifically not making any comment, but quoting court documents, such as Jean-Francois Vincens 141 page deposition (on 64 page PDF) that appears at the end of this article, page 88:

"It says, 'if Brican fails to honor its financial commitment pursuant to this agreement, then all related agreements can be canceled by the client.' Do you see that?
A. Yes.

Q. So at the time the understanding was that if the client didn't receive the marketing money it could stop payment for the equipment, correct?
A. Yes

Q. Has that always been the case?
A. What do you mean?

Q. In other words, that was the arrangement in 2006?
A. Uh-huh.

Page 144

11. When Professional Solutions was asked to finance the equipment and they were sent information about the potential lessee, were marketing or advertising agreements sent to SPFS?
A. No.

Q. To your knowledge, was this agreement ever officially rescinded or terminated?
A. To my understanding it was lost?

Q. It was lost?
A. Yes.

Q. What do you mean it was lost?
A. It was lost by Professional Solutions, We get them a copy of it

Q. Was it ever terminated?
A. No, not to my knowledge.

Page 145
Q. The physical agreement was lost?
A. Yes.

There is a 77 page deposition of Sandra Ellzey, a bookkeeper for Brican America (the entire deposition is at the end of the article:)

Page 13:
23. Q. And how did you find out that it was Viso that was purchasing advertising?
25. A. At the time, the first day I found out, which
Page 14:
1. was the first day I was hired, Jack was not there and Jeff gave me two or three pages of printouts that showed all the people that had just been mailed advertising checks. He briefly explained that those were for advertising and at the time Viso--it wasn't Viso at that time. It was PBLEI.
7. Q. What is that?
A. PBLEI, Palm Beach Lasik and Eye Institute, which is one in Wellington. He told me these have been mailed out and that was pretty much the first, you know, introduction to the marketing agreements I had.
Q. Did you have any responsibility with regards to the marketing agreements?
A. In regards to drafting it?
Q. No, I'm sorry. Did you have any responsibility with monitoring the flow of the paperwork or the flow of payments for advertising?
A. Well, yes. As far as the flow of payments, we would send out the quarterly payments to clients. We had to make sure we had the information as to who was paid for the advertising and then we would cut the checks accordingly.

Paula Barkley was with Wells Fargo for 18 years, then worked for NCMIC from December, 1994 to July, 2009, and in her deposition said she was "fired" and is now back working for Wells Fargo. She discusses various companies, including Brican America-Canada, and is questioned about marketing agreements:

Page: 36
"8. Did you know that there were marketing agreements in place?
10. A. Yes
11. Q. Okay. How do you know that there were marketing agreements?
13: A. The first one that I saw---when the agreement came in, the first one I saw I wentto Todd and I said. I don't know what this is. It's in my---it's with my lease.
17. Q. And when was that.
18. A. Maybe a year ago. Year and a half ago, maybe.
20. Q. Oaky. And what happened next?
21. A. He said that he already knew abut it and that it was okay.
Page 37.
6. Q. All right. Did he ask you to do anything else in terms of obtaining more copies? of marketing agreements?
9. A. No. If they came in they were just put with the file.
Page 40.
23. Did you know who Viso, V-i-s-0, Lasik L-a-s-i-k, was?
25. A. Yes
Page 41
1. Q. Who are they?
2. A. It is the marketing agreement company.
3. Q. And you learned that from seeing the documents?
5. A. Seeing the documents and discussion with Jean and Todd.
7. Q. What did Jean and Todd tell you about Viso Laski?
9. Just pretty much that it was the marketing area. We talked abut how the screens show an image and those images, companies pay for it, and then those doctors get reimbursed for showing those.
18. Did you understand that the marketing agreement provided that it was going to give to the lessee a sum of money?
21. yes.

Leasing News tried to make a fair representation and certainly there was a lot more information in the depositions and one of the reasons they are included hereof readers to have the opportunity to read them in entirety.

Brican America Mediation Hearing

Vincens deposition 141 page deposition (on 64 page PDF 8.9mb)

Sandry Ellzey deposition 77 pages (5.6mb)

Paula Barkley deposition 71 pages (3mb)



Classified Ads---Sales Manager

Bayville, NJ
Dedicated individual seeking a account management position, 3 years leasing experience and 15+ years sales experience. Resume furnished upon request,
email Frank at .

Fort Myers, Florida
Very experienced and strong skills with both Captive and Specialty Sales Management. Over 25 years , will relocate and travel---successful and team player.

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

Other e-Mail Posting Sites:



Laurie Bakke President Western Finance & Lease


Laurie Bakke, one of Leasing News named "Most Influential Women In Leasing" is now President at Western Finance & Lease, Inc. (WFL).

“WFL is a bank owned finance company with primary focus on national vendor relationships and direct end-user originations," Bakke said." We are a small ticket lessor that specializes in transactions ranging between $10,000 - $400,000. The company is headquartered in Devils Lake, North Dakota, has been transacting lease and finance transactions for 16 years and has 32 members on its team.

“We are located in North Dakota, Washington, Texas, New Mexico, Minnesota and Florida. Industries include, but are not limited to, agriculture, outdoor power, lawn & tree maintenance, construction, technology, telecom and energy management. Originally from North Dakota, I am fortunate enough to now have the ability to spend time with my family in North Dakota and Washington.

“In my opinion, Western Finance & Lease is one of the best kept secrets in the industry!!"

Laurie A. Bakke
Western Finance & Lease, Inc.
701-665-1615 (direct)
206-369-3867 (cell)
701-665-1715 (fax)

"Laurie Bakke--athlete, sailor, Athletic Hall of Fame - 2000. After learning the finance and leasing business at ITT Commercial Finance, including Manager, Quality Control and Credit Manager, she joined NordFinance, Inc., a subsidiary of Nordbanken, AB, Sweden's largest financial institution, credit manager, vice-president Vendor program, finally named President. She then joined Irwin Commercial Finance as Executive Vice President and General Manager. She brought her vendor and operation skills to Huntington National Bank as Vice President, Vendor Finance. She has served on the board of directors of the Equipment Leasing and Finance Association and on the board of trustees for the Leukemia & Lymphoma Society."

Most Influential Women in Leasing



Kettle Count (press time): $1,100

Please help me make the $2,500 goal. Please contribute. If you like reading Leasing News, now is the time to stand with us.

Honor Roll lists the Donors.
(Several have contributed as “anonymous,”
feature, and others have said they have
already made donations locally)

Donations to the Leasing News Kettle can go to the Salvation Army in your town.



Free subscription. December Home page article:

  • Video interview with Ingemar Lanevi, Treasurer, NetApp
    "Why does NetApp lease equipment?"

  • Publisher Michael Keeler article on "How to Fix Poor End of Term Performance."

  • Free handbook: "20 best practices for improving financial performance and SOX compliance."

"Our Target Audience”

“Our research is intended to serve finance, procurement, operations, and IT executives and the leasing professionals that serve them. We believe these executives are underserved and overworked. Because they have many other responsibilities besides leasing, they do not have the time to develop and maintain expertise in the many dimensions of leasing and leasing operations. We can help them succeed by putting practical know-how at their fingertips."

Michael Keller short Biography:
"Since 2003, Michael has served Ecologic Leasing Serves as the President and CEO. With offices in the US and Canada, Ecologic Leasing Services offers busy executives of Fortune 1000 lessees a comprehensive and turnkey set of lease administration services: leasing operations management, lessor relationship management including an automated competitive lessor marketplace, lease portfolio management including asset management, and web-based leasing software to streamline the equipment finance process."

Full biography:

To subscribe:




Alexa Report---Now US & Worldwide Statistics

Alexa Ranks Leasing News #1

Alexa with the help of Google has now divided reports into Worldwide and into specific countries.

The lower the company is in the list, the more readers they have.

Leasing News is reporting the results in both “World Wide” and United States, as that is Leasing News major market:

Alexa Ranks Leasing Media Web Sites
World rankings

175,641  Leasing News
755,986 Monitor Daily
1,374,984 Ind Community Bankers of America
1,186,981 The Journal for Asset Finance
1,404,762* National Assoc. of Equip Leasing Brokers
2,504,143  eLessors Networking Association
2,236,251  Commercial Finance Association
2,561,884 World Leasing News
4,598,067  Exec Caliber-Jeffrey Taylor
3,497,165   CLP Foundation
3,671,100 National Equipment Finance Association
4,724,001  Institute of International Container Lessors
6,354,211 Equip. Leasing & Fin Fndn
8,449,914  Assoc of Government Leasing  Financing
11,920,501 Leasing Notes
19,227,526 Lean -Lease Enforcement Att Net
11,807,265 Leasing Press
13,346,887 Lease Assistant
no data
no data
no data Lessee Advocate

Alexa Ranks Leasing Media Web Sites
US rankings

1. 41,066  Leasing News
2. 175,154 Monitor Daily
209,142 Ind Community Bankers of America
270,076* National Assoc. of Equip Leasing Brokers
710,234 World Leasing News
7. 768,611  eLessors Networking Association
959,705  Exec Caliber-Jeffrey Taylor
no data  Commercial Finance Association
  no data   CLP Foundation
no data National Equipment Finance Association
  no data  Institute of International Container Lessors
no data Equip. Leasing & Fin Fndn
  no data  Assoc of Government Leasing  Financing
no data Leasing Press
no data Leasing Notes
no data Lease Assistant
no data Lean -Lease Enforcement Att Net
no data
  no data Lessee Advocate

David G. Mayer's Business Leasing and Finance News is not included in the Alexa report list as it does not have its own individual site and Alexa finds Patton Boggs, LLP Attorneys at Law.  The rating is not valid as it includes all those who visit and communicate with the law firm.  When Business Leasing and Finance News has its own individual web site, it will be included in the Alexa survey.

*It should be noted that NAELB web site "list serve" requires logging onto their site, meaing their e-mails are counted as a visit to the site, whereas they are "list serve" communication.  These are technically visits to the web site, but primarily to use "list serve."

The Alexa tool bar works on most browsers. They are partnered with Google.

You may download their free tool bar A graph and analysis of the last three months are available.

Pioneer Capital/FP Holding Stock Sale

From Len Ludwig:

“Your reporting about me and some of my associates has been fairly accurate, which I appreciate. I remain optimistic that my team will salvage some good from this complicated situation and, consequently, I am willing to discuss related matters directly with you if/when you wish. This activity could be helpful in adding some positive connotations to the descriptions of our industry, which is important to most of us. At the very least, I am hopeful that it will be a positive boost to our collective self image.

“My partners and I are proceeding, one step at a time, down the path to reconstruct the company. It is slow, painful and methodical. We are dealing with many of the creditors and many of the other constituents, along with the bankruptcy trustee—simultaneously. The next step on our mission is to conduct a public sale on behalf of creditors of IFC Credit Corporation of the issued and outstanding common stock of FP Holdings, Inc. and Pioneer Capital Corporation of Texas.

“It would be appropriate, and it would be appreciated, if you would print the attached Notice of this sale in Leasing News. Please let me know if this is practical and what the associated expenses will be.

“Thank you for your consideration."

Regards, Len.

Len Ludwig
4500 SW Kruse Way Suite 350
Lake Oswego, OR 97035
D 503.675.3133
C 503.330.7513
F 503.675.3136

(Note: The Pioneer Capital Corporation reportedly has a very clean portfolio, with decisions and operations run by John Boettigheimer. Editor)

PLEASE TAKE NOTICE that Arthur Levinson and Leonard Ludwig, as creditors of IFC Credit Corporation, will sell (1) 500 shares of common stock in FP Holdings, Inc., and (2) 60,000 shares of common stock in Pioneer Capital Corporation of Texas (collectively, the "Collateral"), each to the highest qualified bidder in public as follows:

Day and Date: Monday, December 21, 2009
Time: 10:00am
Place: Greenberg Trauig, LLP
77 West Wacker Drive Suite 2100
Chicago, Il. 60601-1731

Interested bidders may participate in the auction in person or by telephone. For building security purposes, participants planning to attend in person are asked to send the name(s) of the person(s) attending to Telephone participants should dial (888) 439¬ 7617, and enter passcode 408547, at least ten minutes prior to the start of the auction.

Ten percent (10%) of the prevailing bid amount will be due in certified funds or cash at the conclusion of the auction, with the remaining amount due in certified funds or cash on or before 5:00 p.m. on Monday, December 28, 2009.

There is no warranty relating to title, possession, quiet enjoyment, or the like in this disposition.

Inquiries regarding the Collateral or the sale should be directed by email to sale info


Classified Ads---Help Wanted

Interviewing Leasing Professionals With Proven Track Record and Established Book of Business. Envision Provides: 1) Established Funding Sources, 2) Fun Working Environment, 3) Full Benefits (Health Insurance, 401k), 4) Aggressive Commission Structure.
Resumes To:, Contact: Jeff Edwards (949) 225-1712

Envision Capital Group is dedicated to providing the best in class products and service to our employers, customers, vendors and partners in the small and middle ticket commercial finance industry. With over 50 years of combined experience we have the knowledge, skills, abilities and relationships to help you reach your goals.

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:

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.

Last CallAll advertising rates at Leasing News will be going
up January 1, 2010 due to added costs in operation.





Expect More from Sales Professionals

Summary: You are more likely to get better production from sales professionals when you set high performance expectations that include more than sales quotas and that are designed to help them succeed in what is being called the “new economic normal.”

Well meaning executives often encourage their sales professionals to take just one idea, “one nugget” from a two or three day sales training workshop, and to incorporate that idea into their daily sales activities.

Unfortunately, this is a low expectation approach that often robs the executives of the best potential performance of their sales teams. This point was brought to my attention recently in a sales training workshop I facilitated on selling to senior executives.

A workshop participant agreed that an inordinate amount of the right kind of preparation is required if disaster is to be avoided in making senior executive-level sales calls. I asked her if she would commit to using our process and tool to prepare for an upcoming important meeting with senior executives at a key account. She agreed.

The results she reported, in her words, prove my point:

1. The planning process helped focus the message and focus on what solution impact our proposal would have on the customer’s business. We were able to keep the message concise and brief.

2. Time spent on reviewing the pre-call planning worksheet was a tremendous help in preparing for the call.

3. We were able to ask for specific commitment – the customer answered the question, “Where do we go from here?”

4. We got the pricing discussion out on the table up front.

5. I took charge of the meeting, and assigned specific ownership and tasks. I even had the confidence to do this with a higher-level internal manager who attended the meeting.

6. I was able to keep all participants in the meeting focused and “on task.”

7. We as a team were thoroughly prepared for the E-level meeting.

These are tangible, substantial results of a commitment by a sales professional to use more than just a “nugget” she learned in a sales training workshop. This sales professional saw the value in using a process for planning and executing an executive-level sales call, and used the entire process for a fruitful outcome.

Setting appropriate expectations for sales professionals that requires them to replace an ad hoc approach to selling with an integrated process, elevates how they play the game of sales, and provides them with an opportunity to improve sales revenue and build customer relationships that last.

Tell us what you think

Steve Chriest, CEO

Steve Chriest is the former president of a successful national leasing company.

Steve is a regular contributor to executive-level publications such as Customer Think and Customer Management IQ. Steve recently completed his first book, Selling The E-Suite, The Proven System For Reaching and Selling Senior Executives, in which he translates his experiences as a CEO into a practical guide for selling to senior executives. Steve can be reached at:

Previous Columns:


Last Call---Will not be repeated until 2010---


“It is so Slow…” Contest to End December 16th


Contest will be closing on December 16th in order to be able to send prizes in time for Christmas. What readers are seeing are the ones that are accepted as entrees for the contest.

Over a hundred have been submitted to this date.

Those that have submitted, and not made the list, please try again.

Chronological order:

“Business is so slow, I cannot pay attention.”

David M. Rothenberg
Lease One Systems
St. Louis, Missouri

"It is so slow that the US Congress is moving faster."

Joe O'Hara
OFE Leasing, Inc
Holmes, Pennsylvania

"It is so slow here motel six will not even leave the light on."

Tony Polito CLP
1st Priority Acceptance LLC
Tallmadge, Ohio

"It's so slow that it takes 60 days to get a decline!"

Bob Teichman, CLP
Teichman Financial Training
Sausalito, California

"It is so slow the San Francisco news still says the 49ers may go to the playoffs."

Izzy Finster
Kurtzman Leasing
“Happy Chanukah”


Happy Birthday Bode Ace Menkin

Born December 10, 2005 Madera, California AKC

When he was small, he let the grandkids jump on him, pull his ears, and he would lick them back. He still does. I think he believes he is the fourth brother.

Rigorous training:

Sue and Katie first lesson in the swimming pool:

He still follows me, is with my all the time, in the office, the car, but he certainly loves Sue and the grandkids.


Bankruptcy Filings Increase Nearly 20%

Court records show bankruptcy filings in the U.S. rose 19.6% in November from a year earlier, reports Bloomberg News. Total filings for individuals and companies rose to 115,000, according to data compiled by Automated Access to Court Electronic Records, a service of Jupiter ESources LLC in Oklahoma City released last week.

So far this year, more than 1.3 million Americans have sought court protection from creditors. "All the fundamentals are there for a very difficult bankruptcy environment," says Zach Pandl, an economist at Nomura International Securities Inc. in New York. "Conditions are getting worse in the labor market, and small businesses are distressed, with limited access to credit and a big debt overhang."


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

Equipment Leasing and Finance Association Comments
on H.R. 4213, “Tax Extenders Act of 2009”

Statement by ELFA Interim President Ralph Petta

“The Equipment Leasing and Finance Association applauds House action extending for one year until December 31, 2010 the Subpart F provision for active financial services income. This rule addresses concerns about U.S. competitiveness and fairness by applying to U.S. financial services companies the same general U.S. rule that defers current U.S. tax on other active trade or business income. Like their foreign-based competitors, U.S. financial services firms—including manufacturers and leasing companies—will only pay a current tax in the country where their foreign operations are located.”

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

IFA Urges Passage of Small Business Proposals

WASHINGTON, —The International Franchise Association today released a support letter signed by 55 other business trade groups calling for swift action by Congress on legislation to increase access to credit for small businesses. Many of these provisions were among the measures suggested this week by President Obama in his speech at the Brookings Institution.

“We are pleased that the President continued to acknowledge that the lack of credit availability for small businesses is slowing the recovery efforts and stalling the significant job creation potential of small business entrepreneurs,” said IFA President & CEO Matthew Shay. “Small businesses cannot be the engine of our economy if they have to line up in a queue and wait to see if they can gain access to credit. Congress needs to act swiftly and restart the flow of credit to America’s job-creating small businesses or else these entrepreneurs will be left to sit on the sidelines.”

In a letter to members of Congress, IFA and 55 other business groups identified immediate steps that could improve credit access, including an increase in the maximum loan size and the maximum guaranteed portion of Small Business Administration (SBA) loans and called for by President Obama.

The groups urged passage of legislation proposed by Sen. Mary Landrieu (D-LA) and Sen. Olympia Snowe (R-ME), the Chair and Ranking Member of the Senate Small Business Committee, to increase the maximum size of SBA 7(a) and 504 loans from $2 million to $5 million. These bills would also provide a commensurate increase in the statutory maximum guaranteed portion of SBA 7(a) loans.

The groups also urged support appropriations to extend the Small Business Administration (SBA) loan provisions of the America Recovery and Reinvestment Act (ARRA) through all of Fiscal Year 2010. SBA estimates that $479 million in appropriations is needed to fund the extension of the higher guaranty percentages and waiver of borrower fees for the balance of the fiscal year.

“These stimulus provisions have been so successful that the money allocated thus far has been exhausted,” Shay said. “The depletion of funds is proof that the SBA programs were, and continue to be, critically important for our nation’s credit-worthy entrepreneurs.”

Shay added that the Recovery Act provisions have made a real difference for small businesses, but the recovery has not been completed.

“Lenders were returning to the SBA programs and providing loans of all sizes to the nation’s small businesses – and this momentum needs to continue,” he said. “We urge Congress to quickly provide the appropriations necessary to extend the ARRA provisions so small businesses can access the funds they need to hire, expand inventory, purchase machinery and equipment or real estate.”

About The International Franchise Association
The International Franchise Association, the world’s oldest and largest organization representing franchising, is the preeminent voice and acknowledged leader for the industry worldwide. Approaching a half-century of service with a growing membership of more than 1,250 franchise systems, 10,000-plus franchisees and more than 500 firms that supply goods and services to the industry, IFA protects, enhances and promotes franchising by advancing the values of integrity, respect, trust, commitment to excellence, honesty and diversity. For more information, visit the IFA Web site at

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

Los Angeles Lawyer Pleads Guilty to Passport Fraud
and Tax Evasion in Connection with Kickback Scheme

Defendant Failed to Report More than $35 Million in Income Hidden Overseas

MATTHEW G. KRANE, 55, of Los Angeles, California, pleaded guilty today in U.S. District Court in Seattle to Tax Evasion and False Statement in a Passport Application. KRANE was indicted along with the former Chief Executive Officer of Quellos Group L.L.C. (“Quellos”) and an attorney and principal of the investment firm in June 2009. The case against CEO Jeffrey I. Greenstein, 47, of Mercer Island, Washington, and attorney Charles H. Wilk, 51, of Seattle involves an illegal tax avoidance scheme using overseas accounts. Under the terms of the plea agreement entered today, KRANE will serve up to five years in prison for his two convictions. U.S. District Judge Ricardo S. Martinez scheduled the sentencing for March 2010. Trial for Wilk and Greenstein is scheduled for September 2010.

According to the indictment, Greenstein and Wilk allegedly provided kickbacks to KRANE in exchange for his assistance in enrolling a wealthy client in the tax shelter scheme. The client had more than $1 billion in capital gains in 2001, and Greenstein and Wilk promised KRANE a cut of the fees. The client was never informed of the kickback arrangement. Between March 2001, and October 2001, the men drafted false fee agreements that made it appear that the wealthy client was paying $46 million to Quellos to participate in the tax shelter strategy. In fact, nearly $36 million of that fee was actually diverted by Wilk and Greenstein to an offshore account controlled by KRANE. In his plea agreement, KRANE admits he failed to pay taxes on the income.

Additionally, KRANE admitted today that in February 2008, he applied for a passport in a false name, using false personal information such as a false Social Security Number and California Driver’s License number. At the time he attempted to obtain the false identity, KRANE was aware of the investigation into the Quellos tax avoidance scheme.

The case is being investigated by the Internal Revenue Service Criminal Investigation (IRS-CI).

The case is being prosecuted by First Assistant United States Attorney Mark Bartlett and Assistant United States Attorney Katheryn Kim Frierson.


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


Bellevue, Washington ---Adopt-a-Pet

Name: Jingee
Breed: Retriever, Labrador / Mix
Gender: Female
Size: Large
Age: 8 years, 10 months
Introduce to: Kids 12+ yrs, Dogs, Cats
ID #: 7117989

"Jingee, an 8-year-old Labrador Retriever mix, is ready to snuggle her way into your heart! Jingee is a smart, gentle, cute and adorable lady with black fur. She understands basic commands like sit, and stay. She loves walks and playing with toys. Some shelters do not consider pets over 3-years old adoptable, but we know Jingee is a good, sweet, and calm companion who deserves a person of her own to love.

"As with all of our dogs Jingee has been micro-chipped, vaccinated, spayed and behavior tested. She will go home with a certificate for an examination by a King County veterinarian and an identification tag. PLUS, most dog adoptions include six weeks of training in one of our on-campus dog behavior courses - a great way to start off on the right paw.

"Introduce to kids 12+, dogs (req), cats.

"Jingee is currently in foster care and not at the shelter, if you would like to meet with her please email"

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News Briefs----

Canadian Western to buy National Leasing

Mortgage rates and refinances are up

Defaults Risk to Linger in 2010

Bank of America Repays $45 Billion in TARP Funds

Geithner defends extension of bank bailout

GE chief attacks executive ‘greed’

Just How Much Was Tiger Swinging?,,20325232,00.html

Las Vegas hotel rates hit rock bottom

Airport napping rooms let you sleep your layover away



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Sports Briefs----

Notre Dame confirms that Brian Kelly will be its new coach

Browns shock Steelers as '08 champs lose fifth straight game

49ers' Alex Smith improving but still flawed

Cardinals ready for Gore & more

Brady Rib injury added to finger, shoulder

Vince Young unable to finish practice


California Nuts Briefs---

First Openly Gay chosen Assembly speaker

Governor Schwarzenegger threatens to veto education bill


"Gimme that Wine"

Sample-sized Wine Bottles Aid Online Sales

New Zealand Struggles to Keep Wine Prices Up

Châteauneuf That’s Easy on the Jam---Eric Asimov

WBM Video Interview with Danny Brager of The Nielsen Company: Part 4, Varietals

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

1985 - Hugh Scrutton is killed in his computer store in Sacramento, California, by a mail package that explodes in his hands. By the time he was finally apprehended, the "Unabomber"-so named because his earliest attacks were directed at universities-had been responsible for the deaths of 3 people and the injuries of 23 others. After two months of surveillance, the FBI finally arrested Ted Kaczynski in 1996. Inside his cabin were bombs and writings that tied him to the crimes. In January 1998, while awaiting trial, Kaczynski tried to commit suicide in his cell. Still, he resisted his lawyer's attempts to plead insanity and instead pleaded guilty. Although prosecutors originally sought the death penalty, Kaczynski eventually accepted a life sentence with no right to appeal.


This Day in American History



    1620 -103 Mayflower pilgrims landed at Plymouth Rock.
    1816-Indiana became the 16th state of the Union.
    1846- in one of the most unusual battles in military history, US soldiers of the Mormon Battalion were attached by a herd of wild longhorn bulls while camped on the San Pedro River in Arizona just 10 miles from present-day Tombstone. Men and mules were injured and wagons damaged. Several of the bulls were shot and killed. Lieutenant George Stoneman, one of the injured soldiers, later became Governor of California in 1883-87.
    1844- Dr. Horace Wells, a dentist of Hartford, CT, was the first to discover the anesthetic property of nitrous oxide ( laughing gas ). On this date, while under the influence of gas, he had one of his teeth extracted by Dr. John M. Riggs The use of the gas was not successful, as he did not know that it had to be combined with oxygen, a discovery that was not made until 24 years later. Holy Cow.
    1862-Union General Burnside's engineers finally began to assemble the bridges around Fredericksburg, Virginia. . He had replaced General George McClennan as head of the army of the Potomac. Confederate snipers in Fredericksburg picked away at the builders, so Yankee artillery began a barrage that reduced to rubble many of the buildings along the river. Three regiments ran the sharpshooters out of the town, and the bridge was completed soon after. By evening on the 11th, the Union army was crossing the Rappahannock. By the next day, the entire army was on the other side and Burnside planned the actual attack. The Battle of Fredericksburg, which took place on December 13, was an enormous defeat for the Army of the Potomac. Ten percent of Burnside's soldiers were casualties. Lee lost less than 5,000 men while Burnside lost 12,600.
    1863- birthday of Annie Jump Cannon, American astronomer and discoverer of five stars, was born at Dover, DE. Author and winner of the National Academy of Science Draper Medal, she died at Cambridge, MA, Apr 13,1941
    1872-Already appearing as a well-known figure of the Wild West in popular dime novels, Buffalo Bill Cody makes his first stage appearance on this day, in a Chicago-based production of The Scouts of the Prairie. Cody's work as a scout in the western Indian wars laid the foundation for his later fame. From 1868 to 1872, he fought in 16 battles with Indians, participating in a celebrated victory over the Cheyenne in 1869. One impressed general praised Cody's "extraordinarily good services as trailer and fighter . . . his marksmanship being very conspicuous." Later, Cody again gained national attention by serving as a hunting guide for famous Europeans and Americans eager to experience a bit of the "Wild West" before it disappeared. As luck would have it, one of Cody's customers was Edward Judson, a successful writer who penned popular dime novels under the name Ned Buntline. Impressed by his young guide's calm competence and stories of dramatic fights with Indians, Buntline made Cody the hero of a highly imaginative Wild West novel published in 1869. When a stage version of the novel debuted in Chicago as The Scouts of the Prairie, Buntline convinced Cody to abandon his real-life western adventures to play a highly exaggerated version of himself in the play. Once he had a taste of the performing life, Cody never looked back. Though he continued to spend time scouting or guiding hunt trips in the West, Cody remained on the Chicago stage for the next 11 years. Buffalo Bill Cody was the hero of more than 1,700 variant issues of dime novels, and his star shone even more brightly when his world-famous Buffalo Bill's Wild West Show debuted in 1883. The show was still touring when Buffalo Bill Cody died in 1917.
    1882-The first theater lit by electric lights was illuminated in Boston, Massachusetts. Some 650 lamps were used to light the theater and stage for a performance of a Gilbert and Sullivan operetta. The light bulb had been invented by Thomas Edison in 1879 and had first been installed in a building in 1881.
    1882-birthday of the great Fiorello La Guardia, popularly known as the “Little Flower,” Fiorello H. La Guardia was not too busy as mayor of New York City to read the “funnies” to radio listeners during the New York newspaper strike. He said of himself: “When make a mistake it’s a beaut!” La Guardia was born at New York, NY, and died there Sept 20,1947.
    1913-Birthday of Mary Virginia Martin: American stage star born at Weatherford, TX. She is best known for her title role in the Broadway and television productions of Peter Pan. She won Tony awards for her starring roles in South Pacific and Peter Pan. She died Nov 3, 1990, at Rancho Mirage, CA.
    1919- the citizens of Enterprise, Alabama erected a monument to the boll weevil.
    1917- 19 black soldiers hanged for alleged participation in Houston riot
    1922 Perez Prado Birthday
    1923-Marky Markowitz born, Washington, DC, great trumpet player.
    1930-Brought another ominous sign that the nation was sliding towards a prolonged and difficult economic slump, as New York's branch of Bank of the United States announced that it had gone belly-up. Up until its downfall, the Bank held the savings of some 400,000 depositors, including a number of immigrants; its subsequent demise imperiled the finances of roughly one-third of New York and stood as the nation's single worst bank failure.
    1931-Birthday of Rita Moreno, the first performer to win all four major entertainment awards: 1962 Academy Award for her work in the movie West Side Story; 1975 Tony for Gomez in The Ritz; Grammy for her recording work with The Electric Company; and Emmies for her work in The Muppet Show and The Rockford Files.
    1932 - Very cold weather prevailed along the West Coast. San Francisco received 0.8 inch of snow, and at the airport the temperature dipped to 20 degrees. At Sacramento CA, the mercury dipped to 17 degrees to establish an all-time record low for that location. Morning lows were below freezing from the 9th to the 15th at Sacramento, and the high on the 11th was just 34 degrees. The cold wave dealt severe damage to truck crops and orange groves in the Sacramento Valley.
    1939 - Actress Marlene Dietrich records her hit song "Falling in Love Again." Dietrich also became a U.S. citizen in 1939. Born in Berlin, Dietrich came to the United States in 1930 to make movies after considerable success on the German screen. She allegedly refused several offers to return to Germany to star in Nazi films. She became a U.S. citizen in 1939 and worked tirelessly during and after World War II to sell war bonds and entertain troops. She was awarded the Medal of Freedom and named Chevalier of the French Legion of Honor.
    1941-Adolf Hitler declares war on the United States, bringing America, which had been neutral, into the European conflict. The bombing of Pearl Harbor surprised even Germany. Although Hitler had made an oral agreement with his Axis partner Japan that Germany would join a war against the United States, he was uncertain as to how the war would be engaged. Japan's attack on Pearl Harbor answered that question. The failure of the New Deal, argued Hitler, was the real cause of the war, as President Roosevelt, supported by plutocrats and Jews, attempted to cover up for the collapse of his economic agenda. "First he incites war, then falsifies the causes, then odiously wraps himself in a cloak of Christian hypocrisy and slowly but surely leads mankind to war," declared Hitler-and the Reichstag leaped to their feet in thunderous applause.
    1941 - A Japanese invasion fleet attacked Wake Island, which was defended by 439 US marines, 75 sailors and 6 soldiers. The defenders sank 4 Japanese ships, damaged 8 and destroyed a submarine.     1942 - Japanese Admiral Tanaka's "Tokyo Express" again attempts the delivery of supplies to the Japanese forces on Guadalcanal. The cargo is dropped over board and only 1/4 of it reaches the troops on shore. Machine gun fire from US PT boats sinks much of it. One of the Japanese destroyers is sunk by the defenders as well.
    1943-Birthday of John Kerry, US Senator from Massachusetts, “Reporting for Duty” he told the Democratic convention in his bid for presidency.
    1948---Top Hits
Buttons and Bows - Dinah Shore
On a Slow Boat to China - The Kay Kaiser Orchestra (vocal: Harry Babbitt & Gloria Wood
A Little Bird Told Me - Evelyn Knight
One Has My Name (The Other Has My Heart) - Jimmy Wakely
    1950-George “Gabby’ Hayes veteran of Western movies, hosted two series: the first was a 15 minute show; the second a half-hour Saturday morning show On both shows Hayes showed clips from old westerns.
    1951 - Joe DiMaggio announced his retirement from baseball. Joltin’ Joe played only for the New York Yankees during his 13-year career. His lifetime batting average was .325; and his streak of 56 games batted safely in, still stands as a record. Joe’s two brothers, Vince and Dom, were also major-league players.
    1952 - An audience of 70,000 people watched from 31 theatres as Richard Tucker starred in "Carmen". The event was the first pay-TV production of an opera. Ticket prices ranged from $1.20 to $7.20.
I went to summer camp with his son for several years in White Mountain, New Hampshire. Tucker was a famous Broadway/opera star in his day.
    1956---Top Hits
Singing the Blues - Guy Mitchell
A Rose and a Baby Ruth - George Hamilton IV
Rock-A-Bye Your Baby with a Dixie Melody - Jerry Lewis
Singing the Blues - Marty Robbins
    1959--- The Yankees trade Hank Bauer, Marv Throneberry, Don Larsen and Norm Siebern to the Kansas City A's for outfielder Roger Maris and two other players.
    1960 -- Baltimore quarterback Johnny Unitas failed to throw a touchdown pass in a 10-3 loss at Los Angeles, snapping his NFL record streak of 47 consecutive games with a scoring toss.
    1961-Motown Records achieves their first number one song when The Marvelettes' "Please Mr. Postman" reaches the top. The session musicians on the track included 22 year old Marvin Gaye on drums.
    1961-Elvis Presley started a 20 week run at the top of the Billboard album chart with "Blue Hawaii", his seventh US #1 album.
    1961- The first American troops were sent to Vietnam. President John Fitzgerald Kennedy ordered this day 425 helicopter crewmen to be sent to Viet Nam to provide support and training for South Vietnamese forces. Historians consider this the first day of the war in Vietnam. Politicians do not.
    1961- Elvis Presley's "Blue Hawaii" album goes to #1 & stays #1 for 20 weeks
    1961- "Please, Mr. Postman" by Marvelettes, released
    1964---Top Hits
Ringo - Lorne Greene (Bonanza)
Mr. Lonely - Bobby Vinton
She’s Not There - The Zombies
Once a Day - Connie Smith
    1964 -- Sam Cooke, rocker, slain at Bates Motel. One of the most popular and influential RandB singers of his generation, dies under violent and mysterious circumstances in Los Angeles. According to court testimony, Cooke, who was married to Barbara Campbell, picked up a 22 year old woman named Elisa Boyer at a party. He promised her a ride home but they ended up at a motel. Boyer claims Cooke forced her into the motel room and began ripping her clothes off. She managed to escape with his clothes while he was in the bathroom. He pursued, wearing only a sports coat and shoes. While she called police from a phone booth, Cooke began pounding on the door of the office of the motel's manager, Bertha Franklin. He demanded to know where Campbell was and allegedly broke the door open. Cooke reportedly assaulted Franklin, who shot him three times, and kept coming at her, who then beat Cooke with a stick. By the time police arrive, Sam was Cooked.
    1965 -The third Acid Test was held at the Big Beat night club in Palo Alto. It featured the Warlocks band (future Grateful Dead), a light show, and Stewart Brand's "America Needs Indians" slide show.
    1965-Ray Charles' "Crying Time" enters the Hot 100 where it stays for 39 weeks, making it to #6. It is his 44th chart entry.
    1967- Frank Sinatra records with the Duke Ellington Band, Hollywood, California Reprise FS1024
    1968-The Labor Department announced that the nation's unemployment rate had dwindled to 3.3%, the lowest mark in 15 years.
    1971-The Godfather of Soul, James Brown, has his 32nd album released this week, "Revolution of the Mind," subtitled "Live at the Apollo, Volume Three." It opens with a song whose title only James Brown could have come up with, "It's a Brand New Day So Open Up the Door and Let a Man Come In to Do The Popcorn."
    1971-Carly Simon's "Anticipation" is released.
    1972---Top Hits
I Am Woman - Helen Reddy
If You Don’t Know Me by Now - Harold Melvin & The Bluenotes
You Ought to Be with Me - Al Green
Got the All Overs for You (All Over Me) - Freddie Hart & The Heartbeats
    1972-Genesis plays their first date in the U.S. at Brandeis University in Massachusetts. The group, which has yet to place an LP in the Top 200, consists of Peter Gabriel, Phil Collins, Steve Hackett, Mike Rutherford and Tony Banks.
    1973 - Ron Santo was traded to the Chicago White Sox from cross-town rivals, the Chicago Cubs. Santo became the first major-league baseball player to invoke the rule which permits 10-year veterans of a club to refuse to be traded. He turned down a trade to the California
    1973 - Karen and Richard Carpenter received a gold record for their single, "Top of the World". Angels.
    1976 - Al Stewart debuted on the "Billboard" "Hot 100" with "Year of the Cat". It peaked at #8, but not until March 1977.
    1976-Bob Seger releases the LP "Night Moves". The album turned out to be his big breakthrough album -- reaching #8 on the chart and selling over 5 million copies.
    1980---Top Hits
Lady - Kenny Rogers
More Than I Can Say - Leo Sayer
Another One Bites the Dust - Queen
Smoky Mountain Rain - Ronnie Milsap
    1980- “Magnum, PI “ premiered on CBS starring Tom Selleck in the title role of Thomas Magnum, private investigator in Hawaii Other cast regulars were John Hillerman as Jonathan Quayle Higgins, Roger E. Mosley as Theodore Calvin (“TV’) and Larry Martetti as Orville “Rick’ Wright. Final episode aired May 1,1988. “Magnum” fans enjoy an open house at “Magnum Memorabilia’ (the nonprofit research/production foundation and full-service fan information clearinghouse) in celebration of this day every year. Episode viewings and costume/prop exhibits are featured. Contact for more information.
    1981 - It was Muhammad Ali’s 61st -- and last -- fight. He lost to future champ Trevor Berbick.
    1982 - Toni Basil reached the #1 one position on the pop music charts for the first time, with her single, "Mickey". The chorus: “Hey Mickey, you’re so fine, you’re so fine, you blow my mind, hey Mickey, hey Mickey.” Romantic, huh?
    1983-Thoroughbred John Henry became the first race horse to earn more than $4 million when he won the Hollywood Turf Cup under jockey Chris McCarron.
    1985 - Hugh Scrutton is killed in his computer store in Sacramento, California, by a mail package that explodes in his hands. By the time he was finally apprehended, the "Unabomber"-so named because his earliest attacks were directed at universities-had been responsible for the deaths of 3 people and the injuries of 23 others. After two months of surveillance, the FBI finally arrested Ted Kaczynski in 1996. Inside his cabin were bombs and writings that tied him to the crimes. In January 1998, while awaiting trial, Kaczynski tried to commit suicide in his cell. Still, he resisted his lawyer's attempts to plead insanity and instead pleaded guilty. Although prosecutors originally sought the death penalty, Kaczynski eventually accepted a life sentence with no right to appeal.
    1985 -General Electric acquires RCA Corp & its subsidiary, NBC
    1985-The Unabomber kills his first victim . Hugh Scrutton is killed in his computer store in Sacramento, California, by a mail package that explodes in his hands. By the time he was finally apprehended, the "Unabomber"-so named because his earliest attacks were directed at universities-had been responsible for the deaths of 3 people and the injuries of 23 others.
    1985 - With the season still in progress, the Chicago Bears declared their intention to appear in and win the Super Bowl. Members of the team, known as Chicago Bears Shufflin’ Crew, released their "Superbowl Shuffle". The Bears went on to defeat the New England Patriots in the Super Bowl, 46-10. “You better start makin’ Your Superbowl plans. But don’t get ready or go to any trouble, Unless you practice The Superbowl Shuffle.”
    1988---Top Hits
Look Away - Chicago
How Can I Fail? - Breathe
I Don’t Want Your Love - Duranduran
If You Ain’t Lovin’ (You Ain’t Livin’) - George Strait
   1989-The Recording Industry Association of America certifies four Led Zeppelin albums as multi-Platinum: "Presence" (2 million), "Led Zeppelin" (4 million), "Physical Graffiti" (4 million) and "In Through The Out Door" (5 million).
    1989 - Strong Santa Ana winds developed across southern California and parts of central California. Winds in Kern County of central California gusted to 100 mph near Grapevine. The high winds reduced visibilities to near zero in the desert areas, closing major interstate highways east of Ontario CA
    1993 - Snoop Doggy Dogg’s "Doggy Style" was number one on U.S. album charts. The rest of the top five: 2-"Vs.", Pearl Jam; 3-"Music Box", Mariah Carey; 4-"The Spaghetti Incident?", Guns N' Roses; 5-"The Beavis & Butt-Head Experience", Various artists.
    1995 - "Gangsta's Paradise" from the movie "Dangerous Minds" by Coolio featuring L.V. tops the year-end Billboard Hot 100 singles chart followed by TLC's "Waterfalls" and Stone Temple Pilots' "Creep."
    1995 - "Cracked Rear View" by Hootie and the Blowfish tops the year's album chart followed by Garth Brooks' "The Hits" and "II" by Boyz II Men.
    1996-Following the example of America Online, Prodigy announced it would provide unlimited use of its service for a flat fee of $19.95 per month. Prodigy, like other proprietary online services, was struggling to stay afloat in the face of competition from Internet service providers. Ultimately, Prodigy embraced the competition and transformed itself into an Internet access provider.
    1997 - Negotiators from around the world (more than 150 countries) agreed on a package of measures that for the first time would legally obligate industrial countries to cut emissions of waste industrial (greenhouse) gases that scientists say are warming the Earth's atmosphere.
    2000-- Alex Rodriguez signs the richest contract in sports history, a ten-year deal with the Rangers worth $252 million. The quarter billion dollars doubles the previous high of $126 million paid by the NBA's Timberwolves to Kevin Garnett in a six-year agreement signed in October, 1997.
    2002--Musicologist and author Rob Durkee compiled a list of The Top Ten Christmas Songs of All Time (according to sales and radio air play)
1. White Christmas - Bing Crosby - 1942
2. Silent Night - Bing Crosby - 1936
3. Rudolph the Red-Nosed Reindeer - Gene Autry - 1949
4. The Little Drummer Boy - Harry Simeone Chorale - 1958
5. Jingle Bell Rock - Bobby Helms - 1957
6. The Christmas Song - Nat King Cole - 1946
7. The Chipmunk Song - David Seville and the Chipmunks - 1958
8. Rockin' Around the Christmas Tree - Brenda Lee - 1958
9. Blue Christmas - Elvis Presley - 1957
10. Jingle Bells - Bing Crosby / The Andrews Sisters - 1943
    2003-- Andy Pettitte inks a three-year, $31.5 million deal with his 'hometown' Astros. The thirty-one year old Texan, who compiled a 149-78 won-loss record with a 3.94 ERA during his nine-year stint in pinstripes turned down better offers to stay with the Yankees or go to the rival Red Sox.
    2003 - MTV gives viewers a glimpse into the holiday season at the home of Ozzy Osbourne and his family with "The Osbourne Family Christmas Special." A wide range of celebrity guests join in on the festivities, including Jessica Simpson, who duets with Ozzy on "Winter Wonderland," and newlyweds Dave Navarro and Carmen Electra, who are shown baking holiday cookies.
    2008- The Red Sox unveil their new, but familiar “Hanging Sox” logo. Originally sown on uniforms in 1931, the pair of red socks will now appear on most of the club's letterhead and signs diminishing the use of the circular trademark which contain the words "Boston Red Sox".



Football Poem

Hope Is a Tattered Flag
by Carl Sandburg

Hope is a tattered flag and a dream of time.
Hope is a heartspun word, the rainbow, the shadblow in white
The evening star inviolable over the coal mines,
The shimmer of northern lights across a bitter winter night,
The blue hills beyond the smoke of the steel works,
The birds who go on singing to their mates in peace, war, peace,
The ten-cent crocus bulb blooming in a used-car salesroom,
The horseshoe over the door, the luck piece in the pocket,
The kiss and the comforting laugh and resolve—
Hope is an echo, hope ties itself yonder, yonder.
The spring grass showing itself where least expected,
The rolling fluff of white clouds on a changeable sky,
The broadcast of strings from Japan, bells from Moscow,
Of the voice of the prime minister of Sweden carried
Across the sea in behalf of a world family of nations
And children singing chorals of the Christ child
And Bach being broadcast from Bethlehem, Pennsylvania
And tall skyscrapers practically empty of tenants
And the hands of strong men groping for handholds
And the Salvation Army singing God loves us






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(chronological order)

-Joanie Dolsen Retires/Co. Exits Broker Biz
-Blue Bridge Financial by Brian Gallo
-Beige Book--"Weakness...Commercial Sector"

-Franchise 50% Access to Credit #1 Problem
-People's United: Expanding into Equipment Leasing
-Operation Lease Fleece Winter Up-Date-
-E.A.R. – Sheldon Player Up-date
-CMC and the long arm of the law
-Operation Lease Fleece: Update
- FDIC Insurance in the Red/Lending down 2.8%
     by Christopher Menkin
- ELFA October survey
- City Business License Enforcement
- SG Equipment joins EAR law suits: $2.7 Million
- More Struggles Ahead For Auto Industry: Fitch
-Another Funder cuts Employees: LEAF Specialty   
LEAF Financial “Trigger Leads,” others calls  
- “Just Because You are (still) Paranoid…”
   By Barry Marks and Ellen Dover
- CIT's Q3 Net Loss Tops $1 billion
- MicroFinancial/TimePayment 3rd Q Highlights
- What’s Happening at McCue-NetSol?    
   by Christopher Menkin
- ZRG Partners Leasing Employment Index
- Loan Officers Say Q3 Credit Standards Tightened
- Approaching Banks with Leasing Programs
   by Barry S. Marks, CLP
- Chase To Increase Small Business Lending by $4BB
- Leasing News is Number #1 in Alexa Report
- Gondas: Once Richest in leasing/LA Charity's suffer
- Marlin Leasing and Evergreen Clauses
- Sheldon Player Caught w/$900,000 Cash in Duffle Bag
- Construction/ Printing Equipment Repo's Up, Trucking/Machine Tool Repo's Decline
- NACM Credit Manager Index "Good News"
- Advantage Funding hires two
- Marlin Cuts Expenses to Produce Profit
- Equipment Acquisition Resources -Busted!
- Evans Bank to Keep $36.2 million Leasing portfolio
- NACM Launches Web-based Tools Credit and Finance
- Bluestar Financial Group/Small Ticket Leasing
- President Obama SBA plan:
- Leasing "Flat" at TCF Financial
- ELFA State of the Equipment Finance Industry
- Beige Report-"Weak or Declining Loan Demand"
- MicroFinancial 3rd Q $1.2MM YTD $2.9MM
- GATX Profit Falls 73%
- US Bancorp Leasing Biz Up and Down
- Bank CEO admits Key Equipment Finance shrinking?
Tygris "merges" with EverBank Financial
- by Christopher Menkin
- Lease Police Alert--New Jersey and Louisiana
From Bankers View, Clouds Lifting over California
- by Kevin Dobbs, SNL Financial
- Commerce National Returns TARP
- Friends of Lisette
- NorVergence BK Pre-Trial Date Set & What's New
- Direct Capital Exits Broker Marketplace
- Leasing News #1 in Alexa Report
- Why I became a CLP...
- CLP President in the News Again
- BBB: Rating Leasing Companies
- If you had Lease Police...
- Turmoil still exists at Puget Sound Leasing
- Direct Capital Down to 200
- TechLease, L.L.C., Morgan Hill, CA closes
- No Official Word on Macquarie Group buying Relational
- Top 11 metro areas (Where the business are)
- How to Build a Positive Credit Report
Bulletin Board Complaint
- Benchmark Financial Groups, Aliso Viejo, CA
Bulletin Board Complaint
- Benchmark Financial Groups, Aliso Viejo, CA
Confidence swells at US Bancorp
- by Kevin Dobbs, SNLi
- Irwin Bank Closed by FDIC
- IFC Credit Bankruptcy-Up-date
- Lombard Exits Broker Marketplace
The Age of the Super Broker
- by Christopher Menkin
- HL Leasing/Gordon Roberts Bizzare Twist
- Credit Availability Still Slowing Expansion & Leasing
- OfC Capital, Roswell, GA Exits Leasing
- Triad Leasing & Financial, Boise, files BK
- LeasePolice.Com/Vision Commerce Alliance
- CHG-MERIDIAN purchases El Camino Resources
- Gallo's Form Blue Bridge Financial, LLC.
- Churchill Group/Churchill Leasing Closed
- MericapCredit closing down
- How to handle Vendor Points
- The $40,000 Church Kiosk
- Operation Lease Fleece: Up-Date
- CMC Mastercrook Ron Fisher in Jail
- Top 25 Most Influential People Leasing Industry-Final
- Settlement Costs Vs. Litigation Costs
- Stress Relief
- California License Web Addresses
Lease/Loan State License Requirements