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Operations Coordinator
Los Angeles, California

Direct, small ticket ($10k-$250k) leasing company looking
for an intelligent quick thinker to be our Operations Coordinator. 3+ years of commercial equipment leasing experience; Conduct independent evaluation of credit profile and finance solutions; Lease document preparation; Funding coordination; Lease booking.
Contact: Michael Green,
(310) 696-3030 x 124

Dakota Financial provides equipment leasing/finance solutions to small businesses throughout the United States. We specialize in providing funding for those who can not obtain financing from traditional sources.

Tuesday, January 24, 2012

Today's Equipment Leasing Headlines

    Classified Ads---Credit/Legal/Operations
NorthWest Leasing Companies Now Open for Business
 Placard---Buck Stops Here
  Bank Beat---Georgia-Florida again, tiny bank in Pennsylvania
   Recent Testimonials--Help Wanted Ads Work!
     Classified Ads---Help Wanted
   Career Crossroad—“…whisperings of a lay off”
Leasing 102 by Mr. Terry Winders, CLP
  The Purpose of a "Remaining Value"
    Leasing Schools/Franchisors
     Top Stories January 17-January 21
      Five Years for Failing to Report $1 million income
       Plano, Texas Adopt-a-Dog
News Briefs---
Ryder: Preferred method: equipment rental and leasing
Special Report: Equipment Rental and Leasing/WSJ  $175
   Bank of Hawaii: Loan and lease balances grew to $5.5 billion
More cuts at Bank of America — including wealth management
   Disney's Iger joins other CEOs making over $50M
JC Penny's CEO’s plan puts squeeze on retailer’s workforce
   Some wine with that Starbucks latte?
$1 state investment in arts & culture creates $51 for economy
Johnny Otis dies at 90
Groundbreaking jazz manager John Levy dies at 99

Broker/Funder/Industry Lists | Features (collection)
Top Ten Stories Chosen by Readers | Top Stories last six months

The Scoop on the Costa Concordia Owner
  You May Have Missed
   The 50 Best Workout Songs of the Year
    SparkPeople--Live Healthier and Longer
      Sports Briefs---
        Football Poem
         California Nuts Briefs
           "Gimme that Wine"
       This Day in American History
           Daily Puzzle
               Weather, USA or specific area
                 Traffic Live----

######## surrounding the article denotes it is a “press release” and was not written by Leasing News nor information verified, but from the source noted. When an article is signed by the writer, it is considered a “by line.” It reflects the opinion and research of the writer. It is considered “bias” as it is the writer’s viewpoint.


NorthWest Leasing Companies Now Open for Business

Seattle, 12:15 pm, Thursday, January 19
(Photo: Theresa Kabot, CLP)

The dramatic storm that pummeled the Northwest with snow, rain, black ice on the road, closed down several leasing companies.

BSB's Don Myerson reported, "The Washington office actually was closed part of Wednesday, Thursday and Friday – we did have most staff working remote as part of the pre-planned disaster plan. The plan worked very well except when power was lost. To compound the problem we had 2 people “stranded” in Phoenix that couldn’t get into SeaTac until Friday. Denver did it’s best to pick up the slack but communicating with staff was a challenge. All in all we were operational all 3 days – just slower than usual."

Myerson who often works from Hawaii noted, "The Kauai office was not effected at all since I am in Denver for a few days! I was rooting for the 49ers. I am a big Harbaugh fan from when he was the Bears QB.

"I am headed back to Kauai on Wednesday. Can’t wait. Tired of being cold. Even after only 5 days."

(The 49er-Giants game at Candlestick was certainly wet, windy, and cold---and miserable in many ways. Editor)

Theresa Kabot, CLP, Kabot Commercial Leasing, LLC, K2 Funding, reported, "Seattle is snowed in with icing on top. It’s a good reason to slow down and take a break but thanks in big part to the Internet it is business as usual. I had to travel to Portland today, had no trouble as temps rise south toward Oregon. Unfortunately weather systems in Oregon have caused flooding challenges. "

She had some trouble returning, but reported she was "back to Puget Sound and all is well."

Last week, Paul Menzel, CLP, Financial Pacific Leasing, wrote that his company shut down at noon on Wednesday. He did not know if they would be open on Thursday, and a follow-up email brought:

“I was trying to fly out of Seattle on Thursday to start a two week vacation watching my son play volleyball in Spain. We were delayed a day due to weather. I am replying to you from Barcelona. Please email Terey Jennings for his report. Can't fight Mother Nature! Besides, I am on vacation. Heard we were back up on Saturday. Send apps."

From Terey Jennings, CLP:

“We got hit with a snowstorm last Wednesday that brought about 6” of snow at the office. We closed the office early on Wednesday as it was still snowing and we wanted to get everyone home safely.

“We were back open again on Thursday morning. On Thursday the storm transitioned into freezing rain. A lot of trees in the area couldn’t handle the weight from the snow and ice. Some trees fell and took down power lines throughout the region.

"We lost power in our office around noon on Thursday. About 250,000 people lost power in the Puget Sound area. We were hopeful the outage was going to be short but the power wasn’t resorted until Saturday morning so we lost a day and a half due to the power outage. Our building has a generator that is supposed to get us past these issues but it didn’t work when we needed it the most, very frustrating.

“We’re back up and running at full strength as of today, Monday morning. We had warmer temperatures and a lot of rain over the weekend to melt most of the snow."

Comprehensive personal property tax outsourcing services
We accept file exports and integrate personal property tax information with all lease management or accounting software. No other firm offers the combination of individual attention, software capabilities expertise, "full disclosure" and web port accessibility to information more than we do.

Click here to learn what our clients say about our service
Gary DiLillo, President 440.871.0555 or


Classified Ads---Credit/Legal/Operations

(These ads are “free” to those seeking employment or looking
to improve their position)


Credit and Collections Manager
Seasoned Small ticket Credit Manager with remote office based out of Chicago, IL willing to relocate seeks challenging high volume challenging position. | Resume


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


Austin, TX
Over 20 years experience in building/managing several financial operations in US & Europe. Adept with technical skills. Available for travel or relocation.

Free Posting for those seeking employment in Leasing:

All “free” categories “job wanted” ads:



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Bank Beat---Georgia-Florida again, tiny bank in Pennsylvania

The seven branches of The First State Bank, Stockbridge, Georgia were closed with Hamilton State Bank, Hoschton, Georgia, to assume all of the deposits. Founded October 8, 1964, the bank had 107 full time employees at its seven offices, three in Mcdonough, two in Stockbridge, and one each in Ellenwood and Locust Grove.

Tier 1 risk-based capital ratio: 0.96%

Perhaps this bank should have been closed in 2009 as the major losses continued here, although during 2011 George had the largest number of banking failures in the United States; 23 or 25% of all banking failures. This cost the FDIC Deposit Insurance Fund (DIF) $216.2 million.

There is a $419.5 million loss-share agreement, and here are the properties in question; the first are the development (construction and land) and the second are photos or residences the bank owns:

First state construction and land projects for sale now:

First state bank photos & info home properties for sale now:

The Atlanta Journal-Constitution reported that Henry County, the location of First State Bank, "...has been among the hardest hit counties in Georgia’s banking crisis. Ten banks that had at least a branch in Henry have failed, including the five that were based in the county when the Great Recession started.

"Metro Atlanta’s once surging Southside was once so hot, community banks sprouted up or moved their headquarters there to tap into the real estate gold rush. But Stockbridge-based First State was an old hand in Henry, founded in 1964. It also was the county's largest bank by deposits as of last June, the latest data available, outsizing even Wells Fargo and SunTrust there."

Land development primarily did the bank in more than the residential properties:

Charge Offs (in millions, unless otherwise)
2006 $219,000 ($148,000 commercial & industrial, $66 loans to individuals, misc.)
2007 $533,000 ($466,000 construction and land, $32,000 commercial, $35,000 loans to indiv.)
2008 $14.2 ($13.8 construction and land, $178,000 1-4 family, $127,000 commercial/Ind, $51,000
2009 $43.5 ($40 construction and land, $3.4 1-4 family, $109,000 loans to individuals
2010 $3.6 ($2.5 construction and land, $1 1-4 family, $35,000 commercial, $36,000 indiv.)
9/31 $8.0 ($5.8 construction and land, $2.1 1-4 family, $46,000 to individuals)

Construction and Land, 1-4 family multiple residential, Multiple Family Residential, Non-Farm Non-Residential loans.

(In millions, unless otherwise)

Net Equity




Non-Current Loans



As of September 30, 2011, The First State Bank had approximately $536.9 million in total assets and $527.5 million in total deposits. Hamilton State Bank will pay the FDIC a premium of 0.50 percent to assume all of the deposits of The First State Bank. In addition to assuming all of the deposits of the failed bank, Hamilton State

Bank agreed to purchase essentially all of the assets.


The four branches of Central Florida State Bank, Belleview, Florida, were closed with CenterState Bank of Florida, National Association, Winter Haven, Florida, to assume all of the deposits. Founded May 24, 2002, the bank had 22 full time employees at their four branches, two in Ocala, one each in Belleview and Summerfield. Year-end 2006, the bank had 44 full time employees.

CenterState Bank of Florida is a subsidiary of CenterState Banks (NASDAQ: CSFL), headquartered in Davenport. CenterState has been an active buyer of failed banks, completing four other failed bank deals prior to the Central Florida State Bank deal.

This was the first bank failure in 2012, following 13 banks in Florida last year and 29 in 2010. The FDIC has stated 2010 was likely the high-water mark for bank failures in this period, although 2009 had the highest price tag due to the size of banks with their 140 bank failures. 92 bank failures in 2011.

As with The First State Bank in Georgia, it was again land and construction loans that did the bank in. Combined, Florida and Georgia accounted for 39% of the 92 bank failures that occurred during 2011.

Charge Offs:

(In millions, unless otherwise)

2006 $399,000 ($335,000 land and construction, $63 commercial and industrial, $1000 indiv.)
2007 -$35,000 (-$63,000 commerical/ind., $28,000 $1-4 family)
2008 $1.3 ($1.25 construction/land, $$112,000 commercial, $10,000 individuals)
2009 $2.2 ($2.1 construction and land, $47,000 1-4 family, $24,000 other loans)
2010 $4.2 ($3.4 construction and land, $592,000 1-4 family, $249,000 commercial/industrial)
9/31 $3.5 ($1.7 construction and land, $1.6 nonfarm nonresidential, $14,000 individuals)

Construction and Land, 1-4 family multiple residential, Multiple Family Residential, Non-Farm Non-Residential loans.

Central Florida State Bank Tier 1 risk-based capital ratio: 2.41%

(In millions, unless otherwise)


Net equity  
2006: $15.0
2007: $15.7
2008: $15.1
2009: $11.1
2010: $5.9
3/31: $1.4

2006: $628,000
2007: $492,000
2008: -$868,000
2009: -$4.1
2010: -$4.8
9/31: -$4.9

Non-Current Loans:
2006: $226,000
2007: $1.3
2008: $5.1
2009: $9.3
2010: $8.2
3/31: $13.7

As of September 30, 2011, Central Florida State Bank had approximately $79.1 million in total assets and $77.7 million in total deposits. In addition to assuming all of the deposits of the failed bank, CenterState Bank of Florida, National Association agreed to purchase essentially all of the assets.

The FDIC and CenterState Bank of Florida, National Association entered into a loss-share transaction on $53.6 million of Central Florida State Bank's assets

The FDIC estimates that the cost to the Deposit Insurance Fund (DIF) will be $24.4 million

American Eagle Savings Bank, Boothwyn, Pennsylvania, off Highway 95 between Willington and Chest, was closed with Capital Bank, National Association, Rockville, Maryland, to assume all of the deposits. A small bank established January 1, 1917 but did not sign up for insurance until December 17, 1980 has three full time employees when it closed. In 2006, they reported 7 full time employees.

Tier 1 risk-based capital ratio: 3.84%

The bank was classified as “Mortgage Lending Specialization” and it appears the interest expense of $143,000 along with the noninterest expenses of $741,000 ( $395,000 salaries, $117,000 premise and equipment, $229 additional noninterest expense) was more than the interest income of $582,000, which evidently came from investments in mortgage loans tied in with FHLB advances, according to the FDIC September 30, 2011 report.

(In millions, unless otherwise)

Net Equity

2006 $3.4
2007 $3.0
2008 $1.9
2009 $1.0
2010 $518,000
9/31 $136,000


2006 -$116,000
2007 -$188,000
2008 -$963,000
2009 -$585,000
2010 -$590,000
9/31 -$403,000

Non-Current Loans

2006 0
2007 0
2008 0
2009 0
2010 0
9/31 0

Charge Offs

2006 0
2007 0
2008 0
2009 0
2010 0
9/31 0

Construction and Land, 1-4 family multiple residential, Multiple Family Residential, Non-Farm Non-Residential loans.

As of September 30, 2011, American Eagle Savings Bank had approximately $19.6 million in total assets and $17.7 million in total deposits. In addition to assuming all of the deposits of the failed bank, Capital Bank, National Association agreed to purchase essentially all of the assets.

The FDIC estimates that the cost to the Deposit Insurance Fund (DIF) will be $3.2 million

List of Bank Failures:

Tracking Bank Failure Map

Bank Beat:


Recent Testimonials--Help Wanted Ads Work!

"The ad worked great. We hired a Documentation Coordinator that has been out of the industry for almost 3 years as a friend of hers saw our ad on Leasing News. She is now in her 2nd full week.

"We are actually looking to fill 4 sales positions this year so we’ll likely be back again. It feels nice to be managing growth, albeit measured, again.

Andrew Nere, President
Innovative Lease Services, Inc.

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""I am very happy to report that the position has been filled..."

Laurie Bakke, President
Western Equipment Finance

Leasing News Help Wanted Ad Pricing

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Design work is free. Logo is free as well as company description not to exceed the number of lines of the ad.
Also free: click to a click to a web site or a full description of the position.

Ads are placed in the "Help Wanted' section by category, alphabetical, with the ad with the most lines first in the group. They appear on the web site and in each news edition at the top in a rotation basis per issue.

* Help Wanted” ads  appear in each issue on a chronological basis above the top headline as a courtesy. This position is not available as a paid position, but is generally on a rotation basis.  At the same time, the ad continues in the classified help wanted section in the news edition and web site, so in effect appears twice.

Leasing News reserves the right to refuse advertising, particularly to a company that has appeared in the complaint bulletin board


Leasing Industry Help Wanted 

Operations Coordinator
Los Angeles, California

Direct, small ticket ($10k-$250k) leasing company looking
for an intelligent quick thinker to be our Operations Coordinator. 3+ years of commercial equipment leasing experience; Conduct independent evaluation of credit profile and finance solutions; Lease document preparation; Funding coordination; Lease booking.
Contact: Michael Green,
(310) 696-3030 x 124

Dakota Financial provides equipment leasing/finance solutions to small businesses throughout the United States. We specialize in providing funding for those who can not obtain financing from traditional sources.

National Business Development Manager
with minimum seven years experience and
current book of business. Strategically located throughout
US in various targeted industries.
Click Here for more info.

Western Equipment Finance, a subsidiary of Western State Bank
established in 1901, solicits originations throughout the US and
provides funding solutions for a wide range of industries

Senior Accountant NYC
5 Year accounting, prefer bank or finance experience.
CPA preferred. Full description, please click here.
Please send resume to:
A Commercial Finance Subsidiary of a publicly
held bank, growing rapidly, is successful and has
a dynamic, exciting culture.


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

Please see our Job Wanted section for possible new employees.



Career Crossroad—“…whisperings of a lay off”

Question: I have heard whisperings of a lay off, what are your thoughts on what I should do?

Answer: There is no harm in being prepared for any changes that might occur with your current employment.

It is important, as a professional, that you do not perpetuate the “rumor”. I suggest approaching your superior(s) and asking if they have any knowledge of changes that might directly affect your role within the company (be aware he/ he may not be sure themselves).

It shows that you are proactive and by going to higher ups, you are showing a level of professionalism. If they are a company that has valued their employees, they will give you a heads up and most likely will give you time to start prepping for the next phase in your career.

Again, never hurts to have your ducks in a row IF the worst case scenario occurs: a DAY NOTICE!! This does happen more times than you would believe

  1. A marketable resume

  1. References / reference letters

  1. List of companies / employers / previous colleagues / recruiters that you want to contact in advance OR touch base with.

Emily Fitzpatrick
Sr. Recruiter
Recruiters International, Inc.
Phone: 954-885-9241
Cell: 954-612-0567

Previous Career Crossroad columns:







Leasing 102
by Mr. Terry Winders, CLP

The Purpose of a “Remaining Value”

If a lease is to be a “lease” the equipment must have 20% of its economic life left at the end of the lease. This is both an income tax and a legal requirement. If you assume a 20% residual and it is only your risk and the lessee does not guarantee it then you will not be questioned. However please understand that remaining life has nothing to do with value. It has everything to do with use and remaining use.

I was called once by a client that was excited because he called the vendor and was told the equipment retained 85% of its value at the end of the 60 month lease. However it was a foreign manufacturer and the value question was all he asked. I called to ask a few more questions and discovered that this machine would be one of a kind in the United States. They only sold one or two every ten years because it was so special purpose.

The issue of “use” also carries a requirement of remarketability. “Special purpose” is a distinction that covers all equipment that cannot be sold for its remaining value because it is of no use to anyone but the lessee, or the cost to remove, transport, and/or set back up is greater than the remaining value. This includes requirements to remove and return to the lessor that are in excess of the remaining value that make the purchase cheaper than returning it.

An inquisitive judge may question your true lease status by checking out your interest in the remaining value at lease termination. The court is going to question what protections have you established in your lease agreement to insure that the remaining value is intact at the end of the lease. Are you acting like a money lender or like an equipment owner? Did you question the lessee’s use to determine that there would be a remaining value? Did you establish an accelerator clause if the equipment is over used? Do you inspect your equipment during the lease term to make sure of its condition or do you get condition reports during the lease? There is nothing wrong with “0” residuals but that does make it harder to make the court believe you are interested in the residual if you have nothing at risk.

You should also have a requirement that the lessee notify you of any permanent equipment location change so you can pay all the assumed taxes to the proper authority. A change in location may also signal a change in use or user. Many times lessees sublease our equipment or allow a sister company to use it during idle times, which lead to all types of problems from use to improper tax payments.

I have written on many occasions that a good equipment study leads to a safe residual and proper documentation protects it. A proper residual also makes for a higher return during the lease and the possibility of additional income from the sale, release, or trade-in of the equipment at termination. It also keeps you in contact with the lessee for current and future business.

Mr. Terry Winders, CLP, has been a teacher, consultant, expert witness for the leasing industry for thirty-five years and can be reached at or 502-649-0448

He invites your questions and queries

Previous #102 Columns:

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



Leasing Schools/Franchisors
(For our "Financial and Sales Training" list, please click here)

Global Leasing
Lease One
Wheeler Leasing School

  (does not include those specifically employed in training or education, but who have a similar program as the following entities:)




Global Leasing

Program  cost: $19,950.00

In 2003, broker/lessor Global Leasing founder Phil Dushey created a new division to train independent salesmen in all the aspects of finance, including leasing ,accounts receivable financing, business acquisitions, debt restructuring, working  and venture capital. His students have found great success and he spends most of his time now developing entrepreneurs, who also utilize his knowledge and sources of funds.“

" We are not superbrokers and have never been one. Occasionally we will co-broker a transaction ,but generally we function as a lessor for our own accounts. 2. Our website address for our training is   3 When we train our students we do not have them send transactions through Global. We set them up to deal directly with the lenders. We also require that all lenders who work with our students will automatically approve them to do business with them.  Also our current price for the program is $24,950  We also model our training program from the experience we have from being in the business for about 25 years that a broker needs to serve all of the financial needs of their clients ,whether it be equipment leasing ,factoring,acquisitions,SBA Loans or debt restructuring, we do it all."  

Philip Dushey

Global Financial Services
17 State Street
New York NY 10004
Phone 212-480-4900

Mr. Dushay is also on the Leasing News Advisory Board


Lease One, Lynnfield, Massachusetts

Program Cost: $19,900.00

Since 1989 Lease One has been providing superior training along with unprecedented ongoing support to our broker network. With offices from coast to coast we proudly exhibit the foremost training experience available. Our one time initial investment will provide you with the training and support for the lifetime of your venture with no on-going fees (Hotel/Airfare/Materials/Leads are all included in this price).

“The Lease One Opportunity is the only turn key business opportunity that allows you to devote the time necessary to building a business, no need to worry about processing or underwriting your deals; we do it for you, forever! Our unique program is the only one that offers free marketing assistance along with a devoted graphics design department to enable you to creatively attract new customers to your business. Call us today or visit our website ( ) to learn more about this exciting opportunity. We are Lease One; It's the Lease we can do!”

Joseph L. Angelo Jr.
Lease One Corp.
220 Broadway, Suite 102
Lynnfield , MA 01940


Wheeler Leasing School

Program Cost: $14,500

The training and support provided will allow individuals to establish their own independent brokering businesses. This program is not a franchise operation and therefore has no future royalty payments due. There is a one time upfront investment. The ongoing business expenses are determined by you.

A five day course taught by Scott Wheeler, CLP. There is no financial requirement or obligation with the application. Upon completing the pre-screening process and being accepted into the program you will be asked to sign an agreement with Wheeler Business Consulting LLC.

With over twenty-six years of leasing experience and an Executive Masters in Business Administration, Scott is an accomplished senior leasing executive with leadership qualities in marketing and operations. His extensive experience will benefit organizations looking to reach a higher level of profitability and corporate development.

Link to articles written by Scott Wheeler:

Contact Information:
Wheeler Business Consulting LLC 1314 Marquis Ct.
Fallston, Maryland 21047

Phone: 410-877-0428
Fax: 410-877-8161




Top Stories January 17-January 21

Here are the top ten sorties opened by readers:

(1) Archives, January 17, 2003
ICON Announces $1 Billion of Lease Acquisitions

(2) U.S. Bancorp Loan Products Up, but Not Lease Financing

(3) Snow--Rain Hits NorthWest Leasing Companies

(4) ICON Capital--$1 Billion Lease Acquisitions-Up-date
Where is Paul Weiss Today?

(5) Career Crossroad—Emily Fitzpatrick
“…could my age have something to do with it?”

(6) Leasing 102 by Mr. Terry Winders, CLP
Why Equipment Values are Important”

(7) Online car-selling scam nets $4 million

(8) Bank Forecloses on O.J. Simpson's Florida House

(9) Irish billionaire bankrupt, court says

(10) TD Bank owes Ponzi scheme victims $67MM, Florida jury says

John Kenny Receivables Management

• End of Lease Negotiations & Enforcement• Fraud Investigations
• Credit Investigations • Asset Searches 
• Skip-tracing • Third-party Commercial Collections | ph 315-866-1167|

(Leasing News provides this ad as a trade for investigations
and background information provided by John Kenny)


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

Five Years for Failing to Report $1 million income

Joseph Ford Proctor, 66, formerly from Hermosa Beach, California, failed to report as income money that he raised from investors in a company and then wired to personal bank accounts used by his wife, whom he referred to as his “walking tax shelter.”

At sentencing, United States District Court Judge George H. King found that Proctor obstructed justice at trial by testifying falsely that he believed that he could take income that he earned, place it in the name of his wife, who was a citizen of Thailand, and not pay tax on that income.

Proctor failed to report this $950,500 in income on his federal income tax returns. In 2002, Proctor reported having only $5,500 in income and paid no income tax. In 2003, Proctor reported having only $7,450 in income and paid no income tax.

Proctor has been in federal custody since his arrest in March of last year. In addition to the prison term, Proctor was sentenced by Judge King to spend one year on supervised release after serving his prison sentence.

Following a three-day trial in United States District Court, Proctor was convicted in July of subscribing to false tax returns for the years 2002 and 2003.

The evidence presented during trial showed that in 2002 and 2003, Proctor raised funds from investors for Powerhouse Studios, Inc. and Powerhouse Technologies Group, Inc. Investors in Powerhouse were directed to send their investment funds to a bank account held in the name of Brickhouse Venture Capital Limited. Although Brickhouse was a company opened in the name of the defendant’s brother, Proctor directed how the investor funds would be spent.

In 2002, Proctor caused $240,500 to be wire transferred in the name of his wife from the Brickhouse bank account to a joint bank account that he held with his wife. In that same year, Proctor caused an additional $100,000 to be wire transferred in the name of his wife to a bank account held in her name. In 2003, Proctor caused $610,000 to be wire transferred in the name of his wife from the Brickhouse bank account to the same account held in his wife’s name. The funds were spent to fund the lifestyles of the defendant, his wife and their daughter.

The investigation of Proctor was conducted by IRS – Criminal Investigation in Los Angeles.


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

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


Plano, Texas-- Adopt-a-Dog


Breed: Labrador Retriever
Color: Black
Age: Unknown
Size: Large 61-100 lbs (28-45 kg)
Sex: Male

"I am already neutered, purebred, up to date with shots, good with kids, and good with dogs."

Taylor was rescued from Carrollton on the day he was scheduled to be euthanized. He is so grateful to be alive. Taylor would make a great addition to any family.

Rescue Group: Animal Guardians of America

Pet ID #: 568323

Please email this shelter
(They don't list their phone number here)
Let 'em know you saw "Taylor" on!
Address: Plano, TX

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

Adopt a Pet


News Briefs----

Ryder: Preferred method: equipment rental and leasing

Special Report: Equipment Rental and Leasing/WSJ $175

Bank of Hawaii: Loan and lease balances grew to $5.5 billion

More cuts at Bank of America — including wealth management

Disney's Iger joins other CEOs making over $50M

JC Penny's CEO’s plan puts squeeze on retailer’s workforce

Some wine with that Starbucks latte?

$1 of state investment in arts and culture creates $51 for economy

Johnny Otis dies at 90

Groundbreaking jazz manager John Levy dies at 99


You May Have Missed---

The Scoop on the Costa Concordia Owner




SparkPeople--Live Healthier and Longer

The 50 Best Workout Songs of the Year




Sports Briefs----

Giants beat 49ers in OT, 20-17

Dennis Allen to get second interview for Raiders job




California Nuts Briefs---

Jerry Brown defends California and his tax plan



Football Poems

"Take pride in how far you have come; have faith in how far you can go."
- Jim Harbaugh



California Nuts Briefs---

Occupy Oakland tab up to $3 million and counting


“Gimme that Wine” 

Costco To Open 20 New Units in Fiscal 2012

Domaine Chandon John H. Wright Passes Away

'Tired' vineyards being replanted

Dick Vermeil Vineyard

Chile 2nd largest exporter of wine in world

Free Mobile Wine Program

Wine Prices by vintage

US/International Wine Events

Winery Atlas\

Leasing News Wine & Spirits Page



This Day in History

   1639 - Representatives from three Connecticut towns banded together to write the Fundamental Orders, the first constitution in the New World 
    1640—The estimated colonial population was 27,947.
    1656- The first Jewish physician landed in America. He was Dr. Jacob Lumbrozo, who settled in Maryland. He was a native of Lisbon, Portugal. He died in May, 1666.
    1722- In Cambridge, Mass., Edward Wigglesworth was named to fill the newly created Thomas Hollis chair at Harvard College. Mr. Wigglesworth thereby became the first divinity professor commissioned in the American colonies.
    1738- Four months before his celebrated Christian conversion, Anglican missionary John Wesley wrote in his journal: 'I went to America to convert the Indians. But oh! who shall convert me? I have a fair summer religion... But let death look me in the face, and my spirit is troubled.'
    1776 – Colonel Henry Knox arrives in Cambridge, Massachusetts with the 43 British Cannon and 16 mortars captured by Ethan Allen at Fort Ticonderoga. These artillery have been transported cross-country through the wilderness. It was quite an amazing feat and made the difference at the Battle of Boston. 
    1847 -Beginning today, all stray hogs in Yerba Buena (San Francisco, California) must be securely penned or the hogs will be confiscated. The owner would also be fined $5. 
    1848-James W. Marshall, an employee of John Sutter, accidentally discovered gold while building a sawmill near Coloma, California. Efforts to keep the discovery secret failed, and the gold rush of 1849 was under way when . Actually, the first gold discovered in California was found near the San Fernando Mission in 1842, but no importance was given to it. News of the discovery of gold in California was slow to reach the East coast. Word of it first appeared in the New York Herald on August 19,1849, but no great excitement was created until President James K. Polk expressed enthusiasm about it in his message to Congress on December 5. The rush began by land across the continent and by sea and land via the Isthmus of Panama. The first shipload of prospectors arrived in san Francisco via Cape Horn on February 28, 1849. About 80,000 people made their wan to California in 1848—55,000 overland and 25,000 by sea. About 5000 who started out overland never made it because Asiatic chorea swept their ranks. By the end of 1849, gold worth $10,000,000 had been mined. The discovery of gold broke John Sutter. From the day he settled in Nueva Helvetia, at the junction of the American and Sacramento rivers, Sutter prospered. Then gold was found by James W. Marshall, who was building a sawmill for Sutter. The workers on the estate left to look for gold. Every kind of adventurer squatted on Sutter's land. In four years he was ruined. For the rest of his life, Sutter petitioned the state and the federal government for aid. He died on June 18, 1880, at age 77, while the bill he sought was being argued in the House of Representatives.
    1857---Birthday of Kate Harwood Waller Barrett, American physician, president of the National Florence Crittenton Mission for unwed mothers from 1909 to her death in 1925. President of the National Council of Women in America. CHWB was one of the first vocal advocates for the plight of lower-income women faced with the burden of raising a child alone. (Men in those days had no legal obligation to support their children.) 
    1862 – Birthday of prolific American writer Edith Wharton ( The House of Mirth; The Age of Innocence ) born New York. she went on to become the first woman to ever win the Pulitzer prize for her novel The Age of Innocence, in 1921. You can read Wharton's own impressions of her life in the autobiography A Backward Glance . She died in 1937 in Paris, France
    1865-The exchange of prisoners of war was sporadic and one of the terrible occurrences of the war was the treatment of captured Union troops. Prisons such as “Andersonville” were common. This day in 1865, near the end of the war. The Confederate Congress agrees to continue prisoner exchanges, opening a process that had operated only sporadically for three years. In the first year of the war, prisoner exchanges were conducted primarily between field generals on an ad hoc basis. The Union was reluctant to enter any formal agreements, fearing that it would legitimize the Confederate government. But the issue became more important as the campaigns escalated in 1862. On July 2, 1862, Union General John Dix and Confederate General Daniel H. Hill reached an agreement. Under the Dix-Hill cartel, each soldier was assigned a value according to rank. For example, privates were worth another private, corporals and sergeants were worth two privates, lieutenants were worth three privates, etc. A commanding general was worth 60 privates. Under this system, thousands of soldiers were exchanged rather than languishing in prisons like those in Andersonville, Georgia, or Elmira, New York. The system was really a gentlemen's agreement, relying on the trust of each side. The system broke down in 1862 when Confederates refused to exchange black Union soldiers. From 1862 to 1865, prisoner exchanges were rare. When they did happen, it was usually because two local commanders came to a workable agreement. The result of the breakdown was the swelling of prisoner-of-war camps in both North and South. The most notorious of all the camps was Andersonville, where one-third of the 46,000 Union troops incarcerated died of disease, exposure, or starvation. Though the prisoner exchanges resumed, the end of the war was so close that it did not make much difference.
    1899- Humphrey O'Sullivan of Lowell, MA, made the first rubber shoe heel. On this date he received a patent for a “ safety-heel.”
    1908- The Boy Scouts movement begins in England with the publication of the first installment of Robert Baden-Powell's Scouting for Boys . The name Baden-Powell was already well known to many English boys, and thousands of them eagerly bought up the handbook. By the end of April, the serialization of Scouting for Boys was completed, and scores of impromptu Boy Scout troops had sprung up across Britain. The American version of the Boy Scouts has it origins in an event that occurred in London in 1909. Chicago publisher William Boyce was lost in one of the city's classic fogs when a Boy Scout came to his aid. After guiding Boyce to his destination, the boy refused a tip, explaining that as a Boy Scout he would not accept payment for doing a good deed. This anonymous gesture inspired Boyce to organize several regional U.S. youth organizations, specifically the Woodcraft Indians and the Sons of Daniel Boone, into the Boy Scouts of America. Incorporated on February 8, 1910, the movement soon spread throughout the country. In 1912, Juliette Gordon Low founded the Girl Scouts of America in Savannah, Georgia. In 1916, Baden-Powell organized the Wolf Cubs, which caught on as the Cub Scouts in the United States, for boys under the age of 11. Four years later, the first international Boy Scout Jamboree was held in London, and Baden-Powell was acclaimed Chief Scout of the world. He died in 1941.
    1915-Brithday of Mark Goodson, producer and creator of TV game shows, born at Sacramento, CA. His career in entertainment began in radio where he created the first game show, “Pop the Question.” He later teamed with Bill Todman and that partnership led to “What's My Line? “ “I've Got a Secret,” “Password,” “The Price is Right” and “Family Feud.” He died Dec 18, 1992, at New York, NY.
    1916- John Beasley Brickhouse born at Peoria, IL. A legend in Chicago broadcasting, Brickhouse was the play-by-play voice for the first baseball game televised by WGN, an exhibition game between the Cubs and the White Sox on Apr 16, 1948. He broadcasted Cubs games for 40 years, Chicago Bears games for 24 years and some Chicago Bulls and White Sox games. In 1983, he received the Ford C. Frick Award. Died at Chicago, IL, Aug 6, 1998.
    1916 - The temperature at Browning MT plunged 100 degrees in just 24 hours, from 44 degrees above zero to 56 degrees below zero. It was a record 24 hour temperature drop for the U.S
    1917- Denmark sells three of the Virgin Islands to USA for $25 million. During the 17th century, the archipelago was divided into two territorial units, one English and the other Danish. Sugarcane, produced by slave labor, drove the islands' economy during the 18th and early 19th centuries. The Danish portion, which had been in economic decline since the abolition of slavery in 1848. In 1980, the Virgin Islands Commission on Status and Federal Relations was created to educate the public on various political status options. A referendum was held in 1993 with only 10,710 or 31.4 percent of the 39,038 eligible voters participating which was below the 50 percent plus one needed. As a result, the Commission was disbanded on December 31, 1993.
Under legislation passed in 1968, the Virgin Islands has had a democratically elected form of government since 1970. Prior to 1970, the Governor of the Virgin Islands was appointed by the President of the United States and reported to the Secretary of the Interior under the territory's 1954 revised organic act.

    1920-Birthday of saxophonist Jimmy Forrest, St. Louis, Mo, Died 1980.

    1922 -54ºF (-48ºC), Danbury WI (state record)
    1922- Christian K. Nelson of Onawa, IA, obtained a patent for “Eskimo Pie.” The pie was an ice cream confection containing a normally liquid material frozen to a substantially hard state and encased in a chocolate covering to maintain its original form during handling. He originally called it an
“I-Scream” Bar.”
    1924-Birthday of pianist Joe Albany, Atlantic City, NJ, Died January 11,1988.
    1929 -- Emily Dickenson poems found that had been hidden for forty years.

    1930 - During his American boxing debut, Primo Carnera knocked out Big Boy Patterson in one minute, ten seconds of the opening round before 20,000 people in New York City.
    1935-Canned beer went on sale for the first time at Richmond, Virginia; Krueger Finest Beer.

    1935 - Snowstorms hit the northeastern U.S. and the Pacific Northwest producing record 24 hour snowfall totals of 23 inches at Portland ME and 52 inches at Winthrop MA
    1936- Benny Goodman Band records Stompin' at the Savoy ( Victor 25264) The song became such a standard, that hundreds of artists have recorded it, including a vocal version by Barry Manilow. Goodman, the ‘King of Swing', recorded the song at the Congress Hotel in Chicago, Illinois.
    1938-Rock 'n' roll singer Jack Scott was born in Windsor, Ontario. He recorded several rockabilly numbers at the start of his career, but soon turned to a smoother ballad style on most of his records. "My True Love" was a big hit in 1958, and he scored a couple of years later with "What in the World's Come Over You" and "Burning Bridges."
    1941- Singer and songwriter Neil Diamond was born in Brooklyn, New York. He began in 1962 as a $50-a-week songwriter, and among the songs he churned out was "I'm a Believer," a hit for the Monkees in 1966, and later remade by Anne Murray. Diamond signed with Bang records in 1965, turning out a series of teen hits such as "Cherry Cherry" and "Kentucky Woman." At the end of the '60s, successes such as "Sweet Caroline" and later "Song Sung Blue" established him as a major star. He also sang at the Troubadour in Los Angeles in the, where I saw him perform.
    1941-Birthday of signer, songwriter Aaron Neville, New Orleans, LA.
    1943- at the end of the Casablanca Conference, Franklin D. Roosevelt and Winston Churchill held a press conference. Roosevelt stated, "Peace can come to the world only by the total elimination of German and Japanese war power. That means the unconditional surrender of Germany, Italy and Japan." This position calling for "unconditional surrender" has subsequently been criticized by some as having prolonged the war. criticism mostly from his detractors.
    1944 – Top Hits
My Heart Tells Me - The Glen Gray Orchestra (vocal: Eugenie Baird) 
Shoo, Shoo, Baby - The Andrews Sisters 
My Ideal - The Jimmy Dorsey Orchestra (vocal: Bob Eberly) 
Pistol Packin' Mama - Bing Crosby & The Andrews Sisters
    1944--HANSON, ROBERT MURRAY Medal of Honor
Rank and organization: First Lieutenant, U.S. Marine Corps Reserve. Born: 4 February 1920, Lucknow, India. Accredited to: Massachusetts. Other Navy awards: Navy Cross, Air Medal. Citation: For conspicuous gallantry and intrepidity at the risk of his life and above and beyond the call of duty as fighter pilot attached to Marine Fighting Squadron 215 in action against enemy Japanese forces at Bougainville Island, 1 November 1943; and New Britain Island, 24 January 1944. Undeterred by fierce opposition and fearless in the face of overwhelming odds, 1st Lt. Hanson fought the Japanese boldly and with daring aggressiveness. On 1 November, while flying cover for our landing operations at Empress Augusta Bay, he dauntlessly attacked 6 enemy torpedo bombers, forcing them to jettison their bombs and destroying 1 Japanese plane during the action. Cut off from his division while deep in enemy territory during a high cover flight over Simpson Harbor on 24 January, 1st Lt. Hanson waged a lone and gallant battle against hostile interceptors as they were orbiting to attack our bombers and, striking with devastating fury, brought down 4 Zeroes and probably a fifth. Handling his plane superbly in both pursuit and attack measures, he was a master of individual air combat, accounting for a total of 25 Japanese aircraft in this theater of war. His great personal valor and invincible fighting spirit were in keeping with the highest traditions of the U.S. Naval Service. 
    1945--PARRISH, LAVERNE Medal of Honor
Rank and organization: Technician 4th Grade, U.S. Army, Medical Detachment, 161st Infantry, 25th Infantry Division. Place and date: Binalonan, Luzon, Philippine Islands, 18-24 January 1945. Entered service at: Ronan, Mont. Birth: Knox City, Mo. G.O. No.: 55, 13 July 1945. Citation: He was medical aid man with Company C during the fighting in Binalonan, Luzon, Philippine Islands. On the 18th, he observed 2 wounded men under enemy fire and immediately went to their rescue. After moving 1 to cover, he crossed 25 yards of open ground to administer aid to the second. In the early hours of the 24th, his company, crossing an open field near San Manuel, encountered intense enemy fire and was ordered to withdraw to the cover of a ditch. While treating the casualties, Technician Parrish observed 2 wounded still in the field. Without hesitation he left the ditch, crawled forward under enemy fire, and in 2 successive trips brought both men to safety. He next administered aid to 12 casualties in the same field, crossing and re-crossing the open area raked by hostile fire. Making successive trips, he then brought 3 wounded in to cover. After treating nearly all of the 37 casualties suffered by his company, he was mortally wounded by mortar fire, and shortly after was killed. The indomitable spirit, intrepidity, and gallantry of Technician Parrish saved many lives at the cost of his own. 
    1949- Birthday of John Bulushi, actor, comedian ("Saturday Night Live," Animal House, The Blues Brothers ), “Jake Blues,” born at Chicago, IL. Died Mar 5, 1982, at Hollywood, CA.
    1952 –– Top Hits
Slowpoke - Pee Wee King 
Sin (It's No) - Eddy Howard 
Shrimp Boats - Jo Stafford 
Let Old Mother Nature Have Her Way - Carl Smith
    1953- birthday of Olympic Gold Medal gymnast Mary Lou Retton, Fairmont, WV.
    1954 - The screen version of Herman Wouk's novel, The Caine Mutiny, starring Humphrey Bogart and Fred MacMurray, premiered in New York. Bogart was nominated as Best Actor by the Academy for his portrayal of Captain Queeg.
    1955- Some say for the sake a building a television audience, the Official Rules Committee of major league baseball announced a rule change to speed up the game. Pitchers are required to deliver a pitch within 30 seconds after having taken a position on the pitching rubber. Prior to the new ruling, pitchers could wait as long as they wanted before throwing.
1956 --- - Thirty-eight inches of rain deluged the Kilauea Sugar Plantation of Hawaii in 24 hours, including twelve inches in just one hour. (state record)
    1960 –– Top Hits
Running Bear - Johnny Preston 
The Big Hurt - Miss Toni Fisher 
Go, Jimmy, Go - Jimmy Clanton 
El Paso - Marty Robbins
    1960---Johnny Preston hits Number One on the pop chart with "Running Bear," a song penned by the late J.P Richardson (alias the Big Bopper). Preston's smash will make it to Number One on the U.K. pop chart and #3 on the U.S. R&B chart.
    1962--- Jackie Robinson is 1st Black elected to Baseball Hall of Fame.
    1963 - A great arctic outbreak reached the southern U.S. The cold wave broke many records for duration of cold weather along the Gulf Coast. A reading of 15 degrees below zero at Nashville TN was an all-time record low for that location
    1964 - CBS-TV got the rights to televise the National Football League's regular     1964-1965 season. The move cost CBS $14.1 million a year. The NFL stayed on CBS for 30 years.
    1964 - Jockey Willie Shoemaker beat Eddie Arcaro's career earnings record by riding four winners at California's Santa Anita race track. Shoemaker's total career earnings reached $30,040,005.
    1967- Aretha Franklin recorded her first major hit, "I Never Loved a Man (The Way I Love You)," at Muscle Shoals, Alabama. But the LP on which she was working had to be finished later in New York because Franklin's husband got into an argument with one of the studio musicians. 
    1968 – – Top Hits
Judy in Disguise (With Glasses) - John Fred & His Playboy Band 
Chain of Fools - Aretha Franklin 
Green Tambourine - The Lemon Pipers 
Sing Me Back Home - Merle Haggard
    1970 - Robert Moog introduced his "Mini-Moog" synthesizer, suitable for concert stages, and costing $2,000. The American Federation of Musicians considered banning the Mini-Moog, fearing that its ability to simulate acoustic instruments could put musicians out of work.
    1973 - ‘Little' Donny Osmond, of the Osmond Brothers/Family fame, was awarded a gold record for his album, "Too Young".
    1974- Last Japanese soldier, a guerrilla operating in Philippines, surrenders, 29 years after World War II ended.

    1976 –– Top Hits
Theme from Mahogany (Do You Know Where You're Going To) - Diana Ross 
Love Rollercoaster - Ohio Players 
Love to Love You Baby - Donna Dummer 
Convoy - C.W. McCall 
    1977-Howard T Ward becomes Georgia's first Black Superior Court Judge.
    1982- the San Francisco 49ers won Super Bowl XVI by defeating the Cincinnati Bengals, 26-21. The 49ers sprinted to a 20-0 lead and had to scramble to hold off the Bengals who rallied for 21 points in the second half. Ray Wersching kicks a Super Bowl record-tying four field goals as the 49ers win their first NFL championship. The first cold-weather Super Bowl, the game was played in the Pontiac, Michigan Silverdome. MVP: 49ers QB Joe Montana. Tickets: $40.00. The CBS telecast was viewed by 110.2 million fans and CBS radio counted 14 million listeners to its broadcast of the game.
    1984-The first Macintoshes became available for a price of $2,495 on this day in 1984. Despite a frenzy of publicity, including a $500,000 commercial aired during the Super Bowl, the Mac failed to catch on immediately. In fact, it was not until Aldus introduced PageMaker, the first desktop publishing software, in mid-1985 that Macintosh sales took off. Eventually, the Macintosh transformed computing through its user-friendly graphics and use of the mouse. The machine also introduced small, hard, plastic disks that would replace the larger, flexible floppy disks used by personal computers at the time.
    1984 –– Top Hits
Owner of a Lonely Heart - Yes 
Karma Chameleon - Culture Club 
Talking in Your Sleep - The Romantics
In My Eyes - John Conlee
    1987 - Temperatures in Minnesota plunged far below the zero mark. International Falls MN reported a morning low of 35 degrees below zero, and Warroad MN was the cold spot in the nation with a low of 45 below zero. A storm developing in northeastern Texas produced severe thunderstorms with large hail in Texas, Louisiana and Arkansas. Camden AR reported golf ball size hail.
    1989- Guild, the Rhode Island guitar company that made instruments for such stars as Elvis Presley and Johnny Cash, was sold to a Wisconsin amplifier manufacturer. The court-ordered sale to Randall Corporation followed two months of bankruptcy proceedings. Guild had been losing about $30,000 a month.
    1988-San Francisco, California approves renaming 12 streets for local writers & artists. Includes Jack Kerouac alley. 
    1989 -- First reported case of AIDS transmitted by heterosexual oral sex.

    1989 The Rev. Barbara C. Harris, 55, of Boston, was confirmed as the first female bishop in the 450-year history of the Anglican Church .
    1990- Winston-Salaam State defeated Livingston 79-70, to give coach Clarence “ Big House” Gaines the 800 th victory of his college basketball coaching career.
    1991-World's largest oil spill, caused by embattled Iraqi forces in Kuwait during the Persian Gulf War. Iraq deliberately released an estimated 460 million gallons of crude oil into the Persian Gulf from tankers 10 mi off Kuwait on this day. Spill had little military significance. On Jan. 27, U.S. warplanes bombed pipe systems to stop the flow of oil.

    1992--the producer of the New Kids on the Block album "Hangin' Tough" claimed the group performed only about 20 per cent of the music on it. Greg McPherson said the real voices behind the group were Michael Johnson and his brother Maurice Starr, the Kids' manager. The claims were in a suit filed by McPherson, who was seeking 21 million dollars for creative contributions and royalties. The allegations were denied by the New Kids, and McPherson dropped his lawsuit and withdrew his lip-synching claims three months later.
    1995 - A United States airman and his 10-year-old son given up for dead in snow-covered mountains in Turkey were found alive after living on snow for nine days.
    1995--Van Halen releases their "Balance" LP. It would be the last album with lead singer Sammy Hagar
    1996---- The O.J. Simpson Trial opens. The ex-football player turned movie star and sports commentator is later found not guilty of the murder of his ex-wife and her boyfriend.

    1996- "Oh What a Feeling," a four-CD box set to celebrate the 25th anniversary of the Canadian Academy of Recording Arts and Sciences and the Juno Awards, was released. It would sell more than 250,000 copies in 75 days, raising about two million dollars for charity. 
    1998 - The soundtrack album from Titanic hit Number 1 on Billboard's charts and kept its top position for 15 weeks.
    1999 - Nobody was more surprised than baseball legend Hall Famer Joe DiMaggio when he saw a television report that he had died. "He was livid," his lawyer and neighbor Morris Engelberg said. "Then I made him laugh. I said, 'Joe, we must be in heaven together.'" The two were watching a tape of Gunfight at the OK Corral - DiMaggio's favorite Western - at the baseball great's home in Hollywood, Florida. They happened to stop the tape just when the report appeared as a "crawl" across the screen during Dateline NBC. NBC ran another crawl about 20 minutes later, saying its previous report was inaccurate. The network later said a technician in the New York control room inadvertently sent the item. NBC delivered an apology to DiMaggio to Engelberg's office the next day, spokesman Cory Shields said. The 84-year-old DiMaggio was recovering from pneumonia and lung cancer surgery on Oct. 12, and already was upset by a story in the New York Daily News that described him as bedridden and in grave condition. Unfortunately, he died a few months later, on March 8, 1999, Hollywood, Florida

Super Bowl Champions this Date

    1982 San Francisco 49ers


Jan. 24

Pontiac, Michigan 
Attendance: 81,270

San Francisco 




San Francisco 


San Francisco QB 
14 for 22 157 yds 
1 TD 6 carries 18 yds 1 TD

During his 16 years as an NFL quarterback, Joe Montana won four Super Bowls and the respect of fans everywhere. His legendary tenure with the San Francisco 49ers through the 1980s will be remembered as one of the most dominating periods in professional sports. And unlike many of the great quarterbacks, Montana posted both the numbers and the big wins necessary to cement his place in the Hall of Fame. With coauthor Richard Weiner, Montana relates his special knowledge of the game in Joe Montana's Art and Magic of Quarterbacking , a treasury of instruction, anecdotes, and inside-the-huddle information that should earn the cheers of football fans and players everywhere.

In addition to instructional chapters on ball-handling, offensive and defensive formations, pass patterns, and conditioning, Montana also covers the more advanced aspects of playing quarterback, such as reading defenses and calling audibles. With examples right out of the 49er playbook, he dissects contemporary offenses and defenses, emphasizing his points with well-known plays and situations from his own storied career, including postseason classics such as "The Catch" and "The Drive." A winning combination of color action shots and chalkboard-style diagrams--plus memorable sidebar quotes from coaches and players--makes Joe Montana's Art and Magic of Quarterbacking an attractive and informative addition to the pigskin bookshelf. A foreword by John Madden ("I'll say it without any disclaimer. Joe Montana is the greatest quarterback who ever played the game.") and a brief concluding history of the game serve as bonus bookends.


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