CORRECTION

 New York Commercial Disclosure Regulations Approved
By Ken Greene, Leasing News Editor

A significant typo appeared in Tuesday's story regarding the NY Commercial Disclosure Regulations.

The first bullet point should read "less than" rather than "which exceed".

The story was corrected Tuesday morning, we apologize for any inconvenience.

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On February 1, 2023, the New York State Department of Financial Services (“DFS”) adopted final regulations related to its new Commercial Finance Disclosure Law (“CFDL”) found in Article 8, Sections 801-811 of the New York Financial Services Law.

As a reminder, here are the major provisions of the CFDL:

• The law only applies to transactions less than $2.5 million;
• Banks and similar financial institutions are exempt;
• True (operating) leases are exempt;
• Commercial transactions secured by real property are exempt;
• Anyone who makes no more than 5 transactions in New York in a 12-month period is exempt;
• Certain vehicle dealers (for transactions which exceed $50k) are exempt;
• Disclosures must be made at the time of extending a specific offer; and
• Generally, the disclosures must include the amount of financing, APR, repayment amounts, term, finance charge, and description of collateral, if any.

         Pursuant to the 53 pages of regulation, the CFDL:

• Applies only to transactions where the recipient is in New York;
• Exemptions extend to all majority owned subsidiaries of banks (because they are subject to consolidated oversight);
• Does not require disclosure of broker compensation in the disclosure forms, but still requires disclosure of broker fees in writing;
• Requires that APR be calculated in accordance with either the United States Rule or Appendix J of Reg Z;
• Allows for a digital signature by the recipient on the disclosure forms;
• Has font, rows and column requirements virtually identical to California law;
• Limits the duties of brokers to transmittal of disclosures and providing financer with evidence of transmission. There does not appear to a document retention requirement like the one in California.

The New York regulations are quite similar to the California rules.

One important difference between the two is the $2.5 million threshold for New York versus the $500k threshold in California. Another major distinction between the two is the express inclusion of bank subsidiaries in the New York law, whereas the California regulations are unclear on this issue.

The compliance date for these regulations is six months after publication of the Notice of Adoption in the State Register. That appears to have happened already, so prepare for compliance on or before August 1, 2023.

Ken Greene Leasing & Finance Observations
https://leasingnews.org/Pages/greene_observations.html

Ken Greene
Tel: 818.575.9095
Fax: 805.435.7464
ken@kengreenelaw.com
Alternate: kengreenelaw@outlook.com

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Leasing Software Companies
Odessa, Inc updated info

Company Name Year Founded Website	Employees	CEO	Additional Services Offered	Yearly Volume	Major Clients
Odessa 50 S 16th St, Ste 1900 Philadelphia, PA 19102 (215) 231-9800 www.odessainc.com Founded 1998	1,250	Madhu Natarajan, CEO	The Odessa Platform is an end-to-end asset finance solution, delivering comprehensive functionality that enables self-service, automation, and business agility. Odessa’s platform-philosophy means reduced cost and complexity associated with traditional upgrades and legacy providers – by delivering 4x annual platform releases, customers can easily adapt, go to market faster with new products, and remain nimble.	Privately Held	Major customers: Dell, HPE, PNC Bank, Truist, Lenovo, Fiserv, DLL, GE HFS, Société Générale

Leasing Software Companies
Full list

Alfa Systems	Experian - scorex
Aspket	Ivory Consulting
Better Programs  (Turbo-Lease)	LeaseQuery
Capital Stream	LTI Technology Solutions
Cassiopae	NetSol Technologies, Inc.
Constellation Financing Systems Inc.	Odessa Technologies, Inc.
CSC TCI	Preferred Business Solutions
CT Lien Solutions	Shaw Systems
	Solifi
Cyence International	Systems for Financial Accntng
Dominion Leasing Software	Vision Commerce

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AACFB Webinar
Getting Ahead with the Help of Data

Join us for this free webinar, Wednesday, February 15, 2023, at 3:00 p.m. (ET) when financial technology experts Allen Jones with Copernicus and Scott Nelson with Tamarack Technology will share their tips for using technology to get ahead in business.

 

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New Hires/Promotions in the Leasing Business
and Related Industries

AP Equipment Financing Hires Zack Marsh as SVP of Accounting

BEND, OR. – AP Equipment Financing has hired Zack Marsh, CLFP, as the Senior Vice President of Accounting and Analysis. In this role, Zack will be responsible for managing the accounting and treasury operations of the organization including financial analysis, planning and budgeting.

Mr. Marsh comes to AP with over 20 years of experience in the equipment finance and leasing industry and is an active member of the Equipment Leasing and Finance Association. Zack has served as the inaugural chair for the Emerging Talent Advisory Council and is currently involved with the Equipment Leasing and Finance Foundation where he serves as vice chair of the board and is a trustee.

“I have been fortunate to get to know several members of the AP team through the years and knew the company and its people were first class.” Says Zack Marsh. “They have shown a successful business model that continues to improve and expand, have an energetic and knowledgeable team and are active in their support of our industry. I am excited to join this group of rockstars to help them continue to grow the company and look forward to furthering my leasing knowledge and experience along the way as well.”

AP is now actively managing a portfolio of nearly 13,000 contracts and $635 million of receivables. With AP’s continued year-over-year growth, Mr. Marsh’s role will be pivotal in maintaining the organization’s strong financial management and guiding it towards continued success.

“Zack Marsh brings a wealth of experience and expertise to his role as Senior Vice President of Accounting and Analysis.” Says Chris Lerma, CLFP, President of AP. “I have known Zack for many years and some of our staff have served with him on ELFA committees. I have no doubt that Zack will be instrumental in AP’s aggressive growth goals and his presence will contribute to our overall company culture.”

--------------------------

Cobleigh and Alverez Join Star Hill Financial

Star Hill Financial appointed Robert Cobleigh managing director and Michael Alverez account executive.

“I’m excited to welcome Robert and Michael to Star Hill. Rob brings more than 30 years of leadership and industry knowledge to the team that will enable us to reach even deeper into the equipment finance industry,” Hollis Bufferd, CEO of Star Hill, said. “Mike was previously at Ascentium Capital in the hotel and hospitality sector; we are excited to expand on the opportunities in those verticals.”

“I am starting to sound like a broken record, expansion, expansion, expansion,” Keith Smith, president of Star Hill, said. “From day one the goal was to organically grow. We launched the franchise division in 2021 focusing on tier 1 and 2 quick service restaurants, fitness and personal services. Bringing on Mike allows us to further penetrate our franchise business and expand into hotel financing. Robert’s experience speaks for itself, he is known for his industry expertise, strategic thinking and ability to drive growth. Robert will expand the equipment finance division by continuing to develop our WBE programs.”

Prior to joining Star Hill, Cobleigh served as president of Peapack Capital, where he led a team that built a portfolio of nearly $1 billion for Peapack Gladstone Bank in under five years. Prior to Peapack, Cobleigh held credit leadership roles at Santander, Bank of Tokyo, RBS-Citizens and Siemens Financial Services.

“It is an honor to join Hollis, Keith, and the team at Star Hill,” Cobleigh said. “Market demand by corporations and banks to increase their diversity reach is clear. These firms are actively seeking to expand their diversity relationships with WBE’s and others. As a WBE, Star Hill is in a very unique position not only to help expand the diversity relationship with these firms, but to also partner with and fulfill their asset financing needs. It’s a win-win and I’m excited to grow this business with the team.”

Alverez brings almost 10 years of industry experience. Most recently, he was a regional sales manager at Ascentium Capital, a subsidiary of Region Bank, having generated more than $100 million in business loans in the franchise and hospitality division.

“The energy of the Star Hill team is awesome. I am excited to work with seasoned industry leaders like Keith and Hollis,” Alverez said.

Leasing and Finance Industry Help Wanted

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(click image to view larger)

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Number of U.S. Uninsured Falls Once More

Open enrollment on the U.S. public health insurance marketplace ended in mid-January and as of January 7, almost 16 million people had already signed up to receive insurance coverage in 2023. The number is a new record for the enrollment period that happens once a year and constitutes a 13 percent increase over the 2021/22 sign-up, according to a press release by the government.

Enrollment for coverage under the Affordable Care Act - also dubbed Obamacare - is up for the third year in a row. Together with other factors that expanded healthcare coverage, this fact is reflected in the rising number of Americans who have health insurance. In 2019, a high of 33.2 million Americans were uninsured, amounting to 10.3 percent of the population. As of June 2022, that number was down to 27.4 million or 8.3 percent of Americans.

Expansions to Medicaid and the Affordable Care Act were made by the Biden administration as part of the American Rescue Plan, a Covid-19 relief bill passed in March 2021, and were extended in the Inflation Reduction Act of 2022. According to the Kaiser Family Foundation, the introduction of subsidies for applicants earning 400 percent or more of the federal poverty level made ACA coverage more attractive for a lot of workers since the the 2021/22 enrollment period. A 60-year old making just over that poverty level cutoff (around $52,000 per year), for example, formerly could have expected a monthly insurance bill of around $950 or 22 percent or his or her income through ACA. After the change, the premium would be capped at 8.5 percent of that person's income. The same laws mentioned above also extended Medicaid eligibility to new groups, offering health insurance to even more people that are not covered through their employers.

Under the Trump Administration, cutbacks to Medicaid decreased enrollment by 0.7 percent between 2017 and 2018. The elimination of 90 percent of the advertising budget for the ACA's annual sign-up period also resulted in 400,000 fewer enrollments that year, according to CNBC. The number of insured Americans kept rising until 2019, but dropped in 2020 for the first time under Trump - even before the onset of the coronavirus pandemic.

As seen in our chart, the number of uninsured Americans took a major dip after the enactment of Obamacare and the expansion of Medicaid in 2014.

 

Watch at Home
by Fernando Croce, Leasing News Movie Reviewer

Valentine’s Day Special

From “Gone With the Wind” to “Titanic,” romance has long played a key role in the magic of movies. With Valentine’s Day just around the corner, check out our recommendations for Netflix’s collection of romantic favorites, and settle down with a movie to go with the flowers and heart-shaped chocolates.

Seventh Heaven (1927): The silver screen's great pioneering romantic, Frank Borzage directed movies in which the concept of love becomes a powerful, almost physical presence. One of his most famous releases, this 1927 silent drama endures to this day as a celebration of the vibrant emotions sparked between two people. Set in Paris shortly before World War I, the story follows the relationship between Chico (Charles Farrell), a no-nonsense sewer worker, and Diane (Janet Gaynor), the troubled young woman whose life he saves. When a misunderstanding with the police forces them to pose together as a married couple, this unlikely couple starts to develop feelings for each other... until the war intrudes. With a delicate touch that transforms simple melodrama, Borzage creates a soaring ode to romance’s transcendental side.

Design for Living (1933): A specialist in engineering risqué comedy with a mischievous twinkle in his eye, director Ernst Lubitsch brings his unmistakable romantic wit to this adaptation of Noel Coward’s play. The plot centers on an unusual triangular arrangement, as friends (and fellow bohemian artists) George (Gary Cooper) and Thomas (Fredric March) fall in love with the same woman while traveling to Paris. Said woman is Gilda (Miriam Hopkins), a vivacious advertiser who serves as a muse to their art and, by refusing to choose between the two men, turns their definition of relationship upside-down. But can their unconventional love endure after Gilda moves to London to marry a stuffy aristocrat? Still as charming and daring as the day it came out, Lubitsch’s film remains a classic seduction.

I Know Where I’m Going! (1945): Wizards of eccentric enchantment, the filmmaking duo of Michael Powell and Emeric Pressburger (“The Red Shoes”) present one of their most disarming works in this marvelous romance set in the Scottish Hebrides islands. Joan Webster (Wendy Hiller) is a driven young woman whose wedding to a moneyed businessman is put on hold when she finds herself stranded on the Isle of Mull due to bad weather. At first vexed by the inconvenience, Joan soon warms to the place and its inhabitants, and she learns about the mystical tales of the ancient local culture. Likewise, her sureness about her future grows uncertain as she develops feelings for a Navy officer (Roger Livesey). Always seeking magic in the least expected places, this is an irresistible movie.

Punch-Drunk Love (2002): Though best-known to cinephiles for the ambitious, sprawling canvases of “Boogie Nights” and “There Will Be Blood,” writer-director Paul Thomas Anderson goes modest and intimate in this peculiar and lovely comedy-drama, which features a most unexpected leading man. In an acclaimed departure from his trademark brand of slapstick, Adam Sandler stars as Barry, a small-time business owner whose timid exterior masks violent outbursts. His life takes a turn when he meets Lena (Emily Watson), a co-worker whose love gives him new hope and dreams. Just as their romance blooms, however, Barry comes face to face with a gang of extortionists. Combining inventive, at times nearly experimental style with the characters’ volatile emotions, Anderson offers a moving, funny snapshot of love in his distinctive San Fernando Valley.

Lovers Rock (2020): Though better known for such uncompromising films as “Hunger” and the Oscar-winning “12 Years a Slave,” director Steve McQueen showcases a lighter, sensuous side in this seductive drama, which is part of his five-film “Small Axe” series but plays perfectly on its own. Unfolding over one Saturday night in London during the 1980s, it chronicles a house party attended by members of the local Afro-Caribbean community. Though it brushes against several characters, the camera’s focus remains on a pair of young guests, Martha (Amarah-Jae St. Aubyn) and Franklyn (Michael Ward), who over the course of the evening meet, dance, and possibly fall for each other. Light on narrative but heavy on mood and sensation, McQueen’s film blurs music and emotion with utterly intoxicating results.

Malinois/Belgian
Santa Barbara, CA Adopt-a-Dog

NAME: Lizzy
LOCATION: Santa Barbara Campus
LOOKS LIKE: Malinois, Belgian
COLOR: Brown/Black
ESTIMATED AGE: 2 years 2 months
SEX: Female
WEIGHT: 83 pounds
ID: 11112

Santa Barbara Campus
5399 Overpass Road
Santa Barbara, CA 93111

News Briefs---

Disney Plans to Cut 7,000 Jobs, $5.5 Billion in Costs
    Newly reinstated CEO Robert Iger outlines his reorganization plan
https://www.wsj.com/articles/disney-dis-q1-earnings-report-2023-11675825320?st=ssdd2ar4woes4e3&reflink=desktopwebshare_permalink

Google Follows Microsoft in Unveiling AI Search Features
    Alphabet unit’s artificial-intelligence rivalry with Microsoft heats up
https://www.wsj.com/articles/google-to-roll-out-ai-search-features-as-microsoft-rivalry-heats-up-11675835792?st=p3mni5dcczkjqux&reflink=desktopwebshare_permalink

CVS Makes $10 Billion Bet on Seniors
    Despite government actions that have crimped profitability, CVS sees opportunity in expanding its Medicare Advantage business
https://www.wsj.com/articles/cvs-makes-10-billion-bet-on-seniors-11675867831?st=ranewm93cjdtdw4&reflink=desktopwebshare_permalink

Treasury Says Cloud Computing Poses Risks to Financial Sector
    Department says reliance on Amazon, Microsoft or Google could have broad consequences
https://www.wsj.com/articles/treasury-warns-of-risks-to-financial-sector-in-cloud-computing-services-11675823799?st=ph83m9dfupbmbe8&reflink=desktopwebshare_permalink

These Parents Raised Two Kids Playing in the Super Bowl. Here’s How They Fed Them.
    The Eagles’ Jason Kelce and the Chiefs’ Travis Kelce are the first brothers to play each other in the Super Bowl. They’re both huge. So what did they eat growing up?
https://www.wsj.com/articles/travis-kelce-jason-kelce-brothers-super-bowl-parents-11675745347?st=2dw7ah0wa5uhbyn&reflink=desktopwebshare_permalink

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You May Have Missed---

The Junkification of Amazon
    Why does it feel like the company is making itself worse?
https://nymag.com/intelligencer/2023/01/why-does-it-feel-like-amazon-is-making-itself-worse.html


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Sports Briefs---

Joe Montana Was Here
https://www.espn.com/nfl/story/_/id/35604915/49ers-legend-joe-montana-reflects-legacy-ahead-super-bowl

Roger Goodell defends NFL officiating: Never been better
https://www.espn.com/nfl/story/_/id/35617448/roger-goodell-defends-nfl-officiating-never-better

From Rose Bowl Right to Bloated Tebow, Inside Andy Reid’s Deep Catalog of Trick Plays
https://www.theringer.com/nfl/2023/2/8/23590316/inside-andy-reid-catalog-of-trick-plays-kansas-city-chiefs-super-bowl

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California Nuts Briefs---

Only one Bay Area fault is capable of producing a 7.8 earthquake — here's why
https://www.sfchronicle.com/bayarea/article/only-one-bay-area-fault-is-capable-of-producing-a-17767684.php

San Francisco’s Hetch Hetchy water system is almost full for the first time in years. Is that a good thing?
https://www.sfchronicle.com/climate/article/water-reservoir-sf-california-17763039.php

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"Gimme that wine"

Silver Oak Winery’s Release Day
https://patch.com/california/san-francisco/calendar/event/20230204/30c10c6e-85d9-4dd4-a479-9f1261ba230c/silver-oak-winery-s-release-day

Donald Hess, who revolutionized Napa Valley
wine tourism with art, dies at 86
https://www.sfchronicle.com/food/wine/article/donald-hess-dies-napa-17754337.php

Monterey County's wine and winegrape sector
and support businesses deliver a total economic
contribution of $1.4 billion in annual economic activity
https://www.winebusiness.com/news/article/266679

We asked 9 Bay Area wine experts for their
    favorite bargain wine. Here are their picks.
https://www.eastbaytimes.com/2023/02/01/we-asked-9-bay-area-wine-experts-for-their-favorite-bargain-wine-here-are-their-picks/

Free Wine App
https://www.nataliemaclean.com/mobileapp/

Wine Prices by vintage
http://www.winezap.com
http://www.wine-searcher.com/

US/International Wine Events
http://www.localwineevents.com/

This Day in American History

     1773 - Birthday of William Henry Harrison (d. 1841), Charles City County, Colony of Virginia.  The 9th president of the United States (March 4-April 4, 1841), his term of office was the shortest in our nation's history-32 days. He was the first president to die in office (of pneumonia contracted during inaugural ceremonies).
    1775 - English Parliament declares Massachusetts colony is in rebellion.
    1794 - The first warship to capture an enemy shop after the Revolution was the U.S.S. Constellation, a 36-gun frigate of 1,265 tons. Off the island of Nevis, West Indies, the 36-gun Constellation, under the command of Commodore Thomas Truxtun, met and captured the 40-gun French frigate Insurgente, inflicting 70 casualties at the cost of only 4 American casualties.  The battle had lasted only seventy-five minutes. Truxtun was headed for the island of Nevis when he caught sight of the French frigate L'Insurgente. After pursuing the Frenchman, Truxtun prepared for action. However, as the two ships were on the verge of engaging one another, a squall engulfed them, snapping the main topmast of the French frigate. The loss of mobility, coupled with the French tendency to fire high into the opponent's rigging, gave Truxtun a deadly advantage. "A very fine frigate [is] being added to our infant Navy" was the report sent to Stoddert.
http://www.navysna.org/awards/Hall%20of%20Fame%20Write%
20Ups/Truxton.htm
    1812 - Pioneer missionary Samuel Newell married fellow Congregationalist Harriet Atwood. Afterward, they sailed for India with Adoniram and Ann Hasseltine Judson. (Harriet Newell and Ann Judson thereby became the first American women commissioned for missionary work abroad.)
    1819 - Birthday of Lydia E. Pinkham (d. 1883), Lynn, MA.  Developed a home tonic of herbs and 19% alcohol that she gave her children. As the tonic grew famous in her neighborhood, she made her first sales in 1875 to earn money since she was married to a dreamer whose ship never came in. Later, her son marketed the home remedy under her direction.  The "women's tonic" meant to relieve menstrual and menopausal pains, although Pinkham's Vegetable Compound sold well to the general public, it was regarded by health experts as quackery.
    1825 - John Quincy Adams was elected president of the United States by the House of Representatives, into which the election had been thrown by the failure of any of the four candidates to win a majority in the Electoral College. Henry Clay, one of the candidates, assisted Adams cause in the House. In the four-way race of Adams, Andrew Jackson, Henry Clay, and William Crawford, Jackson had received more electoral votes than Adams, but no majority.
    1849 - Laura Clay at the 1920 convention became the first woman to receive a vote for the presidential nominee of the Democratic Party. She was a noted suffrager and first president of the Kentucky Equal Rights Association.
    1861 - Tennessee votes against secession. On June 8, pro-slavery advocates stop anti-slavery voters at the polls, whereupon Tennessee secedes from the Union.  The Provisional Congress of the Confederate States of America elected Jefferson Davis president and Alexander H. Stephens vice president.
    1870 – President U. S. Grant signed a joint resolution of Congress establishing the US Weather Bureau.
    1886 - President Cleveland declares a state of emergency in Seattle because of anti-Chinese violence. These protests were also seen in other Northwest cities due to the influx of “cheap” Chinese labor.
http://immigrants.harpweek.com/ChineseAmericans/Items/Item095L.htm
    1873 - In the foremost scandal of the day, Victoria Woodhull, publisher, was arrested for writing that renowned preacher Henry Ward Beecher had committed adultery. The postal authorities charged her with sending obscene literature through the mail. She was acquitted of the charge. What made the event more newsworthy is that Beecher was subsequently sued for alienation of affections by Theodore Tilton. The jury and the public found Dr. Beecher innocent but found Mrs. Tilton guilty.
    1874 - Birthday of American poet Amy Lowell (d. 1925), Brookline, MA. Her eccentricities inspire more discussion than her poetry. A lesbian and a very fat woman, she wore frilly clothes, smoked cigars, slept during the day, wrote poetry at night and kept all the mirrors in her house covered. 
In 1915, anticipating a wartime shortage, Lowell, like George Sand, a woman partial to cigars, ordered 10,000 Manilas. Ezra Pound, trying to help place her poetry, made up the "Imagist" movement.
http://www.sappho.com/poetry/a_lowell.html 
    1900 - The great Count Basie bassist Walter Page (d. 1957), was born in Gallatin, MO.
    1909 - Birthday of Carmen Miranda, born Maria do Carmo Miranda da Cunha (d. 1955) in Marco de Canavezes, Portugal. Her family moved to Rio de Janeiro when she was about two years old. Her career took off in the carnival of 1930 with the spectacular success of the marchinha "Taí." A popular movie star and singer in her day.
http://www.maria-brazil.org/carmen.htm
http://www.humnet.ucla.edu/echo/Volume2-Issue1/wells-media/
Carmen-Miranda.jpg
    1912 - The United States Lawn Tennis Association amended the playing rules for its men's single's championship.
    1914 - Birthday of country and western singer Ernest Tubb (d. 1984), Crisp, Texas. Known as the Texas Troubador,” he was the sixth member to be elected to the Country Music Hall of Fame and the headliner on the first country music show ever to be presented at Carnegie Hall. His first major hit, “Walking the Floor Over You,” gained him his first appearance at the Grand Ole Opry in 1942, and he attained regular membership in 1943.
    1914 - Birthday of Bill Veeck (d. 1986), Chicago.  Baseball's premiere promoter and showman as an owner of several teams. He integrated the American League, sent a midget to the plate to start a game and, in general, sought to provide fans with entertainment in addition to baseball. Inducted into the Hall of Fame in 1991.
    1914 - Birthday of ecdysiast Gypsy Rose Lee, born Rose Louise Hovick (d. 1970), Seattle, WA.
http://us.imdb.com/name/nm0497346/
http://www.thrillingdetective.com/eyes/gypsy_rose_lee.html
    1917 - American labor agitator Tom Mooney falsely convicted of fatal bombing. He is Pardoned and released 22 1/2 years from now.
http://www.shapingsf.org/ezine/labor/mooney/
http://www.dartmouth.edu/~library/Library_Bulletin/Nov1989/
LB-N89-VClose2.html
    1920 - The Joint Rules Committee (of Major League Baseball) banned all foreign substances or other alterations to the ball by pitchers, including saliva, resin, talcum powder, paraffin, and the shine and emery ball. A pitcher caught cheating will be suspended for 10 days. The American League allows each club to name just two pitchers who will be allowed to use the pitch for one more season. The National League allows each club to name all its spitball pitchers. No pitchers other than those designated will be permitted to use the banned pitch and none at all after this season (however, the designated pitchers will eventually be allowed to use the pitch for the rest of their careers). Other rules changes: the adoption of writer Fred Lieb’s proposal that a game-winning home run with men on base be counted as a home run even if the batter's run is not needed to win the game. Also, the intentional walk is banned, and everything that happens in a protested game will go in the records.
    1933 - The temperature at Moran, WY, located next to Teton National Park, plunged to 63 degrees below zero to establish a state record. The temperature at the Riverside Ranger Station in Montana dipped to 66 below zero to establish a record for the state, and a record for the nation which stood until 1954.
    1934 - The mercury dipped to 51 degrees below zero at Vanderbilt to establish a record for the state of Michigan. The temperature at Stillwater plunged to 52 degrees below zero to establish a record for the state of New York.
    1942 - Singer-songwriter Carole King was born Carol Joan Klein in Brooklyn, New York. Along with her then-husband Gerry Goffin, King wrote some of the most successful pop tunes of the 1960's. Among them were "Will You Love Me Tomorrow" for the Shirelles, "Up on the Roof" for the Drifters and "The Loco- Motion" for Little Eva. In the '70s, King started concentrating on her singing. Her 1971 album "Tapestry" Her soft rock Tapestry album sold more than 13 million copies and in 1971 she won four Grammy awards, and became the biggest- selling album of all time, although its sales have since been topped by at least two other albums.  After her divorce in 1969, she changed her style and performed solo. "You've Got a Friend" was the 1971 Grammy best song and "It's Too Late" the best record.  King received a star on the Hollywood Walk of Fame in December, 2012.
    1943 - In a major strategic victory, the American 161st and 132nd Regiments retook Guadalcanal in the Solomon Islands after a six-month-long battle. More than 9,000 Japanese and 2,000 Americans were killed. The fierce resistance by the Japanese was an indication to the Allies of things to come. Guadalcanal put the Allies within striking distance of Rabaul, the major Japanese base in the area (as featured in "Victory at Sea").
1943 - The National League is looking for a buyer for the Philadelphia Phillies, whose owner, Gerry Nugent, has fallen in arrears on rent and bank loans. The league pays $10 a share for 4,685 out of 5,000 outstanding shares in the club.
1944 - Birthday of Alice Walker, Eatonton, GA.  Black American essayist, poet, novelist, and womanist. Won 1983 Pulitzer Prize for her novel “The Color Purple” (1982). Her “Warrior Marks” and “Possessing the Secret of Joy” take up the horrendous practice of female genital mutilation in some African locations.
    1945 - *CICCHETTI, JOSEPH J., Medal of Honor
Rank and organization: Private First Class, U.S. Army, Company A, 148th Infantry, 37th Infantry Division. Place and date: South Manila, Luzon, Philippine Islands, 9 February 1945. Entered service at: Waynesburg, Ohio. Birth: Waynesburg, Ohio. G.O. No.: 115, 8 December 1945. Citation: He was with troops assaulting the first important line of enemy defenses. The Japanese had converted the partially destroyed Manila Gas Works and adjacent buildings into a formidable system of mutually supporting strongpoints from which they were concentrating machinegun, mortar, and heavy artillery fire on the American forces. Casualties rapidly mounted, and the medical aid men, finding it increasingly difficult to evacuate the wounded, called for volunteer litter bearers. Pfc. Cicchetti immediately responded, organized a litter team and skillfully led it for more than 4 hours in rescuing 14 wounded men, constantly passing back and forth over a 400-yard route which was the impact area for a tremendous volume of the most intense enemy fire. On 1 return trip the path was blocked by machinegun fire, but Pfc. Cicchetti deliberately exposed himself to draw the automatic fire which he neutralized with his own rifle while ordering the rest of the team to rush past to safety with the wounded. While gallantly continuing his work, he noticed a group of wounded and helpless soldiers some distance away and ran to their rescue although the enemy fire had increased to new fury. As he approached the casualties, he was struck in the head by a shell fragment, but with complete disregard for his gaping wound he continued to his comrades, lifted 1 and carried him on his shoulders 50 yards to safety. He then collapsed and died. By his skilled leadership, indomitable will, and dauntless courage, Pfc. Cicchetti saved the lives of many of his fellow soldiers at the cost of his own.
    1950 - During a speech in Wheeling, West Virginia, Senator Joseph McCarthy (R-Wisconsin) claims that he has a list with the names of over 200 members of the Department of State that are "known communists" (he never produced that list).  The speech vaulted McCarthy to national prominence and sparked a nationwide hysteria about subversives in the American government. He did untold damage to many people's lives and careers, had a muzzling effect on domestic debate on Cold War issues, and managed to scare millions of Americans. McCarthy, however, located no communists and his personal power collapsed in 1954 when he accused the Army of coddling known communists. Televised hearings of his investigation into the U.S. Army – The Army-McCarthy Hearings -  let the American people see his bullying tactics and lack of credibility in full view for the first time, and he quickly lost support. The U.S. Senate censured him shortly thereafter and he died in 1957.
    1952 - Top Hits
“Slowpoke” - Pee Wee King
“Cry” - Johnnie Ray
“Anytime” - Eddie Fisher
“Give Me More, More, More (Of Your Kisses)” – Lefty Frizzell
    1957 - After nine weeks, Guy Mitchell's "Singing the Blues" is pushed out of Billboard's top spot by Elvis Presley's "Too Much".
    1958 - A report by the American Research Bureau cites Dick Clark's American Bandstand as the top-ranked daytime television program, drawing an average of 8,400,000 viewers per day.
    1959 - Lloyd Price reached number one on the Billboard Pop chart with "Stagger Lee", an up-dated version of an old Folk song called "Stack-O-Lee". Wilson Pickett would take the song to number 22 in 1967.
    1960 - Top Hits
“Teen Angel” - Mark Dinning
“Where or When” - Dion & The Belmonts
“Handy Man” - Jimmy Jones
“He'll Have to Go” - Jim Reeves
     1962 - Neil Sedaka records "Breaking Up Is Hard To Do," which will become his 5th US Top Ten hit and first number one by the following August. Neil's ballad version of the song would peak at number eight in February, 1976.
     1963 - Ray Hildebrand and Jill Jackson, who were billed as Paul and Paula, had the top tune in the US with "Hey Paula."
    1963 - Ruby and the Romantics' "Our Day Will Come" enters the pop charts
    1963 - Birthday of country singer Travis Tritt, Marietta, GA.
    1963 - The first Boeing 727 took off, becoming the world's most popular way to fly. Before production was stopped in 1984, 1,832 of the aircraft were built.
    1964 - Arthur Ashe, Jr., becomes first African American on US Davis Cup Team.
    1964 - The Beatles made their live US television debut on "The Ed Sullivan Show." "I Want to Hold Your Hand" could barely be heard over the screams from the audience, who were also treated to "All My Loving," "Till There Was You," "She Loves You" and "I Saw Her Standing There." There were 50,000 requests for the 725 available seats. The Beatles appeared on the show again a week later. Each program was watched by an estimated 70-million people, the highest rating at the time.
    1968 - Top Hits
“Green Tambourine” - The Lemon Pipers
“Spooky” - Classics IV
“Love is Blue” - Paul Mauriat
“Skip a Rope” - Henson Cargill
    1969 - The Boeing 747 took its first flight, ushering flew in the age of the jumbo jet. As manager of the Chamber of Commerce of San Bruno, “The Airport City,” we issued gold, silver, and copper coins to celebrate the event. They are considered collected items today.
    1969 - Roslyn Kind quietly made her television debut on "The Ed Sullivan Show". Ed said she was "...America's teenager who wasn't protesting or playing a guitar." Although she only appeared once, her sister appeared many times. Roslyn Kind is Barbra Streisand's sister.
    1969 - *PROM, WILLIAM R., Medal of Honor
Rank and organization: Lance Corporal, U.S. Marine Corps, Company 1, 3d Battalion, 3d Marines, 3d Marine Division (Rein), FMF. Place and date: Near An Hoa, Republic of Vietnam. 9 February 1969. Entered service at: Pittsburgh, Pa. Born: 17 November 1948, Pittsburgh, Pa. Citation: For conspicuous gallantry and intrepidity at the risk of his life above and beyond the call of duty while serving as a machinegun squad leader with Company 1, in action against the enemy. While returning from a reconnaissance operation during Operation TAYLOR COMMON, 2 platoons of Company 1 came under an intense automatic weapons fire and grenade attack from a well concealed North Vietnamese Army force in fortified positions. The leading. element of the platoon was isolated and several marines were wounded. L/Cpl. Prom immediately assumed control of 1 of his machineguns and began to deliver return fire. Disregarding his safety he advanced to a position from which he could more effectively deliver covering fire while first aid was administered to the wounded men. Realizing that the enemy would have to be destroyed before the injured marines could be evacuated, L/Cpl. Prom again moved forward and delivered a heavy volume of fire with such accuracy that he was instrumental in routing the enemy, thus permitting his men to regroup and resume their march. Shortly thereafter, the platoon again came under heavy fire in which 1 man was critically wounded. Reacting instantly, L/Cpl. Prom moved forward to protect his injured comrade. Unable to continue his fire because of his severe wounds, he continued to advance to within a few yards to the enemy positions. There, standing in full view of the enemy, he accurately directed the fire of his support elements until he was mortally wounded. Inspired by his heroic actions, the marines launched an assault that destroyed the enemy. L/Cpl. Prom's indomitable courage, inspiring initiative and selfless devotion to duty upheld the highest traditions of the Marine Corps and the U.S. Naval Service. He gallantly gave his life for his country.
    1970 - Sly and The Family Stone were awarded a gold record for the single, "Thank You (Falettinme Be Mice Elf Agin)." At the time, Sly (Sylvester) Stewart was a disc jockey in Oakland, California.
    1971 - An earthquake measuring 6.6 struck the San Fernando Valley in California, killing 58 people. Property damage reached $900 million.
    1971 - Satchel Paige becomes first Negro League player elected to the National Baseball Hall of Fame.
“Sometimes I feel like I will never stop 
Just go forever 
Till one fine morning 
I'll reach up and grab me a handful of stars 
and swing out my long lean leg 
and whip three hot strikes burning down the heavens 
and look over at God and say 
How about that!” 
— Samuel Allen, "To Satch"
http://www.negroleaguebaseball.com/history101.html
1976 - Top Hits
“50 Ways to Leave Your Lover” - Paul Simon
“Love to Love You Baby” - Donna Summer
“You Sexy Thing” - Hot Chocolate
“Sometimes” - Bill Anderson & Mary Lou Turner
    1984 - Top Hits
“Karma Chameleon” - Culture Club
“Joanna” - Kool & The Gang
“Running with the Night” - Lionel Richie
“Show Her” - Ronnie Milsap
    1987 - Just twenty years after the first woman was admitted to the New York Stock Exchange, the Exchange Luncheon Club decided to put in a women's rest room. Prior to this gracious offer, the women had to walk down a flight of stairs.
    1987 - A storm off the Atlantic coast produced high winds and heavy snow in the northeastern U.S., with blizzard conditions in eastern Massachusetts. Wind gusted to 80 mph and 23.4 inches of snow produced drifts eight feet high at Cape Cod, MA. It was the worst blizzard in thirty years for the Cape Cod area. Winds in some of the mountains and ridges of the Appalachian Region gusted to 100 mph
    1989 - A winter storm continued to bring rain and snow to southern California. Snowfall totals ranged up to 18 inches at Olancha, with three inches at Palmdale.
    1990 - Thunderstorms developing ahead of a cold front erupted over eastern Texas late in the morning, and produced severe weather as they swept across the southeastern states. Early evening thunderstorms spawned a tornado which injured one person at Nat, TX, and produced tennis balls size hail which caused more than half a million dollars damage around Shreveport, LA.
    1992 - Three months after announcing his retirement from the NBA because he had been infected with HIV, Magic Johnson led the West to a 153-113 victory over the East in the 42d NBA All-Star Game. Magic was named All-Star Game MVP for the second time.
    1997 - "The Simpsons" became the longest-running prime-time animated series. The record was previously held by "The Flintstones".
    2000 - The Reds sent four players to the Seattle Mariners and agree to a contract extension to obtain Seattle's superstar Ken Griffey, Jr. Junior's nine-year $116.5 million contract is the richest package in history, but in the current market is considered quite a bargain.
    2001 - After 13 months of negotiations, Derek Jeter and the Yankees finalized a $189 million, 10-year contract. The deal makes the All-Star shortstop second only to Alex Rodriguez ($252 million/10 years) as highest-paid player in the history of the sport.
    2009 – The Yankees’ Alex Rodriguez finally admitted that he took banned substances.
    2010 - Former Beatles drummer Ringo Starr became the 2,401st person to be added to the Hollywood Walk of Fame during a ceremony that marked the 50th anniversary of the attraction's groundbreaking. The Beatles as a group were given a star in 1998.
    2012 – As a cost-saving measure during bankruptcy, Eastman Kodak Co. reported that they will no longer make digital cameras, pocket video cameras, or digital pictures.
2012 – Defense Department produced new guidelines that remove restrictions on the use of women in combat.
2014 – Scientists from Australian National University observed the oldest star in the universe for the first time.  The star, 6,000 light years from Earth, served as a fingerprint of the first stars of the universe and is believed to be 13.7 billion years old.
2016 – In the US Presidential New Hampshire Primary:  Republican Donald Trump wins with 35% to John Kasich (16%).  Democrat Bernie Sanders trounced Hillary Clinton 60% to 38%.
2020 – The 92d Academy Awards:  “Parasite” became the first non-English film to win Best Picture; Best Director went to Bong Joon-ho; Best Actor, Joaquin Phoenix; Best Actress, Renee Zellweger.
2020 – The impeachment trial of President Trump began in the Senate.