Information, news, and entertainment for the commercial
alternate financing, bank, finance and leasing industries

Add me to mailing listSearch | All Lists | Columnists | Site Map
Advertising| Archives | Classified Ads | This Day In American History

Email the Editor

Wednesday, July 21, 2021

Today's Leasing News Headlines

Leasing 102 by Mr. Terry Winders, CLP, Remembered
    By Kit Menkin
Leasing Industry Ads
    Growing Companies Seek Top Sales Professionals
Pick Up the Phone
    Sales Make it Happen by Scott Wheeler, CLFP
Used car sales climb 32%
    for AutoNation in first half
The List  - June 2021
    The Good, the Bad, and the Ugly
Academy for Certified Lease & Finance Professionals
    August Sold Out/One in September/One in November
Labrador Retriever
    Chicago, Illinois   Adopt-a-Dog
2021 ELFA Software Guide
    Available for Non-Members
News Briefs---
Apple delays office return by at least a month
    as Covid spikes
Signature Bank Reports 2021 Second Quarter Results
    "continues to fire on all cylinders, we stay true to our core principles"
ELFA 2021 Survey of Equipment Finance Activity
     Reveals New Business Volume Declined 7% in 2020
China Says Washington Hack Claims 'Fabricated'
    Condemns US Allies
Delta Variant Now Accounts for 83% of all Sequenced
     Covid Cases in the U.S., CDC Director Walensky says

You May have Missed---
Posts Mislead on Protection Provided
    By Covid-19 Vaccines

Broker/Funder/Industry Lists
| Features (wrilter's columns)
Top Ten Stories Chosen by Readers | Top Stories last six months (Be Careful of Doing Business)
Leasing News Icon for Android Mobile Device

Sports Brief----
 California Nuts Brief---
  "Gimme that Wine"
    This Day in History
      Daily Puzzle
        Weather, USA or specific area
         Traffic Live----

######## surrounding the article denotes it is a “press release,” it was not written by Leasing News nor has the information been verified. The source noted. When an article is signed by the writer, it is considered a “byline.” It reflects the opinion and research of the writer.


Leasing 102 by Mr. Terry Winders, CLP, Remembered
By Kit Menkin

(2014 photo of Terry on his retirement)

Jim Grant, Vice President, Portfolio Management, Balboa Capital, made a gong go off in my head when he ended a conversation with "In the vendor shop the $1.00 to FMV is no longer acceptable.”

It reminded me of a Terry Winders column. I looked it up in the Leasing News archives. I found it in the March 8, 2010, news edition, which shows the difference of the past and the present today:

“1. A lease requires a non-cancelable term. A loan is cancelable.
2. The accounting for Capital Leases ($1 P.O,) leases is different under GAAP requirements.
3. A loan usually requires down payments, financial restrictions, or additional collateral. Leases do not contain any of these requirements.
4. Servicing a lease requires following for monthly sales tax, and annual property tax that does not exist in a loan.
5. Documentation for lease transactions requires documents not used in lending such as. Purchase orders, vendor invoices, sales tax remittance forms, acceptance forms and others.
6. Lease Insurance requires the lessee to purchase and provide "Liability" coverage in addition to the "Loss Payable Clause. It is important to make sure the lessee insurance notes the lessor on the
7. Lease documentation (master lease agreement) has requirements for equipment maintenance and return conditions not found in lending.
8. Lease documentation contains strong language and many defaults not found in loan documentation such as: equipment location; if location changes then sales tax changes. This requires a lease accounting package that can create location reports on multiple assets to insure proper property tax remittance, or a default if equipment does not follow manufactures required maintenance schedule plus other requirements not found in traditional loan documentation.
9. Late charges on lease's are usually 5% of the payment or have a Minimum not found in Loans.
10. Lessee's use $1 leases to control costs if they are not using GAAP accounting.

“In short a lending department does not have the tools or the training to account for or handle an equipment lease regardless if the UCC decides it is an article 9 transaction.”


Terry was writing why banks were not into direct leasing. This was before the popularity of equipment finance agreements, or easy to make business loans without advance payments or security deposit, plus instruments such as Merchant Cash Advance. It was when a lot of paperwork and a relatively long time in processing, getting approval, equipment delivered, perhaps site inspection, landlord waiver, or certified insurance in hand, were required.

Specifically before such innovative programs as SalesForce were available. Before the quick and now low cost full internet ability to speed up the process, including on line immediate payment to vendor and originator.

  Terry Winders retired January, 2015 at the age of 72. He has been an author, banker, columnist, consultant, lease salesman, teacher for 51 years. He started writing his #102 column in Leasing News August 7, 2006.  He has written 850 columns (including “Sales Makes it Happen,”

Terry’s columns consistently appeared in the Leasing News’ Top Ten most read articles each week, often in the top five. 

Today Terry and I still communicate, on Facebook.
     Kit Menkin


Help Wanted Ads


Pick Up the Phone

Sales Make it Happen by Scott Wheeler, CLFP

Emails, texting, and social media are all excellent tools and originators should be using all options to effectively communicate with their vendors and end-users. However, these tools are no substitute for an actual conversation or an in-person meeting.

An originator recently explained how he lost a transaction when negotiating the final terms with an end-user. I asked for a summary of events that led up to the loss. He explained that the end-user preferred to communicate through emails and that he would forward me the chain of email exchanges.

Wow! The email print-out was several pages long, battering back and forth with lengthy pros and cons of particular issues, terms, and conditions. It was unbelievable. The originator asked for suggestions of what he should have done to win the transaction.

My first suggestion was that after the first, and definitely second email, I would have picked up the phone and called the end-user. I would have had a productive conversation and explained the reasons for my company's request. I would have listened intently to the end-user's concerns and would have negotiated the transaction in real time. The originator at first defended himself by reiterating that the end-user's preference was to communicate via email. He then admitted that he did not fully understand his company's terms and conditions and therefore was not confident to enter into a phone conversation. He was using email as a cover rather than a tool. He lacked the knowledge to negotiate his transaction and chose to hide. The right course of action would have been to:

  • Talk to his credit department and fully understand the approval.
  • Be confident enough to pick up the phone and accurately convey the approval to the end-user with conviction.
  • To never use email or any automation as a cover. When needed, originators must be willing and able to present themselves, their company, and their approvals with confidence. There is no substitute for a live conversation.

Call me old fashioned, but I still believe that the most effective means of establishing a new relationship or closing a deal is by having a real conversation.

Wheeler Business Consulting is fully vaccinated and it has been uplifting to resume in-person meetings, training sessions, and real handshakes.

Scott A. Wheeler, CLFP
Wheeler Business Consulting
1314 Marquis Ct.
Fallston, Maryland 21047
Phone: 410 877 0428
Fax: 410 877 8161

Sales Makes it Happen articles:


Used car sales climb 32%
for AutoNation in first half

AutoNation increased its used vehicle sales by more than 32% in the first half of the year and pulled in nearly 22% higher gross profits on those cars, according to quarterly earnings from the dealer group released Monday.

Specifically, the retailer sold 152,369 used retail units in the first six months of the year, a 32.4% increase from the same period of 2020.

Retail used vehicle revenue was up 53.8% at $3.73 billion. Gross profits on used retail units came in at $305.6 million, a 61.4% upswing.

Revenue per used unit retailed was $24,479, a 16.2% uptick. AutoNation generated $2,006 in gross profits per used retail unit retailed. That beat year-ago figures by 21.9%.

Staying on the used-car side, the retailer also shared an update on its AutoNation USA standalone pre-owned vehicle stores.

During the second quarter, the group opened AutoNation San Antonio, a store that ended up reaching profitability in its first full month and “has exceeded expectations.”

The retailer still plans on adding four more AutoNation USA stores in the back half of the year and another 12 next year.

The plan is to have more than 130 by the end of 2026.



The List  - June 2021
The Good, the Bad, and the Ugly

Equipment Shortage and Its Effect on Sales
    Sales Makes It Happen by Scott Wheeler, CLFP

Measure More Than Revenue
    By Steve Chriest

ELFA Reports New Business Down 17%
    From April 2021 to May 2021

Podcast Interview with Paul Menzel on Leadership
  and How He Leads Others to Perform
    The Alta Group Leadership Development

Our Leasing/Finance Life is Changing
  Not Just Because of FinTech, Perhaps the Convenience
    By Kit Menkin

Balboa Capital Announces $50 Million
    Corporate Note Financing

Workers Want to Stay Put in Home Office – Chart
    Plus the Perks of Working from Home

18 New CLFP's Bringing Total to 1022
    Two Academies in June, One in August

CLFP's by Company
    Members with Two or More

When It's Time to Move On
    The Ultimate Hire by Ken Lubin, ZRG Partners

Robert L. Hornby update New York Disclosure Law
  Chair, Equipment Leasing and Finance
    Chesa Shahinian & Giantomas PC

Newton's First Law
    Does it matter? Of course it matters!


Academy for Certified Lease & Finance Professionals
August Sold Out/One in September/One in November

The Academy for Lease and Finance Professionals (ALFP) is a three-day event designed to fully prepare an individual to sit for the CLFP exam assuming the attendee has already self-studied. A trend has begun in having virtual on line sessions.

During the first two days, all of the required sections of the CLFP exam are covered in-depth and on the third day, the exam is offered, but not mandatory and may be taken on another day.

Students are strongly advised to have read and studied The Certified Lease & Finance Professionals' Handbook prior to attending the class in order to ensure success.

Key Equipment Finance (sold out)
August 17 - 18

Channel Partners
September 16 -17
9am - 3pm Central Time

Commercial Equipment Finance, Inc.
November 17 - 19, 2021
This online ALFP will require attendees to have access to WebEx
(note that times are Eastern)
Wednesday – 12:00 p.m. – 4:00 p.m.
Thursday – 12:00 p.m. – 4:00 p.m.
Friday – 12:00 p.m. – 4:00 p.m.

Exam may be taken at any time!

About Academy

If you are interested in attending, please contact Reid Raykovich, Executive Director:


Labrador Retriever
Chicago, Illinois   Adopt-a-Dog


3 Years old
57 lbs.
Foster Home

Buffy is a big sweetheart by disposition and a Labrador Retriever by breed. Like many of us during the pandemic, she is happiest in her bed – relaxing in a calm environment. Buffy saw some tough times as a pup and can get nervous around loud noises, big dogs and fast movement so please keep the parkour and scream-karate to a minimum. She is very affectionate and will sniff you from head to toe in the mornings to help you rise and greet the day.

Buffy is very smart and is on her way to figuring out how to play (especially with her front paws), but at the moment she would prefer to just vibe in a safe spot. 

Are you Buffy’s forever family? You might be if you don’t have young children or other pets, your home is a peaceful place, and you have some time set aside for cuddling.

PAWS Chicago
1997 N. Clybourn Avenue
Chicago, Illinois
(773) 935-7297

All PAWS Chicago dogs and cats are spayed/neutered, microchipped, and have up-to-date shots based on age and arrival date.

Adoption Process:


2021 ELFA Software Guide
Available for Non-Members

Equipment finance companies in virtually every aspect of their businesses make investment in software solutions a critical consideration.

The 2021 ELFA Software Guide includes a new “Checklist for Evaluating Your Software Solution,” which includes expert recommendations from members of ELFA’s Operations & Technology Committee, Technology Innovation Workgroup and software service providers. Key areas to consider include:

  • Define Your Goal
  • Configured vs. Customized
  • Integration with System Architecture
  • Cloud Native
  • Flexibility to Support Growth
  • Usability/Ease of Use
  • Support
  • Vendor Selection
  • Peer Experience

The guide also includes “5 Trends Changing Our Workplace” as the COVID-19 pandemic continues to recede in the U.S. and equipment finance companies redesign their technology roadmaps, including:

  • Innovating apart
  • Creating more agile systems
  • Finding optimal balance between people and technology
  • Removing unconscious bias in technology
  • Leading through uncertainty

To assist in the decision-making process, today the Equipment Leasing and Finance Association released the 2021 ELFA Software showcasing the leading software solutions for the equipment finance industry:

(Recommend choosing “Skip,” and scrolling from beginning sideways.  Editor)


News Briefs---

Apple delays office return by at least a month
    as Covid spikes

Signature Bank Reports 2021 Second Quarter Results
    "continues to fire on all cylinders, we stay true to our core principles"

ELFA 2021 Survey of Equipment Finance Activity
     Reveals New Business Volume Declined 7% in 2020

China Says Washington Hack Claims 'Fabricated',
    Condemns US Allies

Delta Variant Now Accounts for 83% of all Sequenced
     Covid Cases in the U.S., CDC Director Walensky says

U.S. Retail Sales unexpectedly increase by 0.6% in June

Car Owners Return to Highways, and Their Insurers Pick Up Tab for Accidents


You May Have Missed---

Posts Mislead on Protection Provided
    By Covid-19 Vaccines



Sports Briefs---

Tom Brady's trainer expects him to play at least 2 more seasons

Aaron Rodgers reportedly declined Packers offer
     to be highest-paid QB

Cam Akers injury: Free agent running backs Rams
     should consider as they seek Darrell Henderson backup

Oakland wants to continue negotiating over A’s
     waterfront ballpark, but will the team?

Raiders president Marc Badain resigns;
      Dan Ventrelle named interim president

Will Tokyo Olympics become superspreader Games?
     Some experts fear the worst

Women’s Handball Players Are Fined
     for Rejecting Bikini Uniforms


California Nuts Briefs---

Newsom signs $12 billion bill to fight homelessness

Police may not be able to quell Oakland's violence,
     but we can



“Gimme that Wine”

Larger-than-life Performance Actor George Webber
     Retires from Role as Count of Buena Vista

Stephen Cronk: how our Provence dream came true with Mirabeau

The Most Important Grape You’ve Never Tasted
   Whatever happened to Gouais Blanc, the mother of wines?

2021 San Luis Obispo County Wine Industry Awards Recognize
     Leaders of the Industry at the California Mid-State Fair

Free Wine App

Wine Prices by vintage


This Day in History

     1692 - Five Massachusetts women were hanged for witchcraft. Fifteen young girls in the Salem community charged as many as 150 citizens in the area with witchcraft during the greater part of this year. The Salem witch hunt was unleashed in March of the year when some children, called upon to explain their odd behavior, claimed that three old women had bewitched them. The women were tried, convicted, and condemned on the testimony of the children. Although Governor William Phis halted the trails in October, 1692, by January, 1693, twenty persons condemned for witchcraft had been executed and two had died in prison. The first person executed for witchcraft in America was Margaret Jones of Charlestown, Mass. Gov. John Winthrop wrote “that she was found to have such a malignant touch, as many persons, (men, women and children), whom she stroked or touched with any affection or displeasure, etc., were taken with deafness...or other violent pains or sickness...Her behavior at the trial was very intemperate, lying notoriously, and railing upon the jury and witnesses, etc., and in the like distemper she died.”
    1701 - Representatives of the Iroquois Confederacy signed the Nanfan Treaty at Albany, NY, ceding a large territory north of the Ohio River to England. 
    1814 - Samuel Colt (d. 1862) was born in Hartford, CT.  An industrialist and inventor, he founded Colt's Patent Fire-Arms Manufacturing Company (today Colt’s Manufacturing Company) and made the mass production of the revolver commercially viable. His use of interchangeable parts helped him become one of the first to use the assembly line efficiently. Moreover, his innovative use of art, celebrity endorsements, and corporate gifts to promote his wares made him a pioneer in the fields of advertising, product placement, and mass marketing. 
    1817 - Birthday of Mary Ann Ball Bickerdyke (d. 1901), Knox County, OH.  Known as Mother Bickerdyke for her nursing and sanitary commission work during the Civil War, she turned to the work after witnessing the appalling conditions that male nurses and doctors considered normal for hospitals. She would serve at the site of 19 battles. She petitioned in vain for pensions for veterans and nurses after the hostilities.
    1825 - The American Unitarian Association was founded by members of the liberal wing of the Congregational churches in New England.
    1845 - The last great fire to affect Manhattan began early in the morning and was subdued that afternoon. The fire killed 4 firefighters, 26 civilians, and destroyed 345 buildings. 
    1848 - A convention concerning the rights of women, called by Lucretia Mott and Elizabeth Cady Stanton, was held at Seneca Falls, NY. The issues discussed included voting, property rights and divorce. The convention drafted a “Declaration of Sentiments” that paraphrased the Declaration of Independence, addressing man instead of King George, and called for women's “immediate admission to all the rights and privileges which belong to them as citizens of the United States.” This convention was the beginning of an organized women's rights movement in the US. The most controversial issue was Stanton's demand for women's rights to vote.
(lower half of: )    
    1860 - Birthday of Lizzie Andrew Borden (d. 1927), Fall River, MA.  She was suspected but acquitted of the double murders of her father and her stepmother. There was a great deal of circumstantial evidence, but lack of a murder weapon or blood on her clothes stymied prosecutors. The women of the city of Fall River, Massachusetts, supported her by crowding the courtroom and, after the acquittal, ostracized her. Their attitude plus other factors indicate that she was an abused child/woman. If she committed the murders, she had to have help from people outside the home to cover up the evidence. Contrary to some rumors, the murder hatchet was never found.
    1863 - At Buffington Island in Ohio, CSA Gen John Hunt Morgan’s raid into the north was mostly thwarted when a large group of his men were captured while trying to escape across the Ohio River.  Morgan's Confederates, during the 46-day raid, covered more than 1,000 miles, beginning in Tennessee and ending in northern Ohio. Morgan's raid coincided with the Vicksburg and Gettysburg campaigns, though it was not directly related to either. However, it was meant to draw away tens of thousands of US troops away from these major campaigns and to frighten Northern civilians into demanding their troops be recalled to defend them.
    1865 – Charles H. Mayo (d. 1939) was born in Rochester, MN.  With his brother, William J. Mayo and five others, he was one of the founders of the Mayo Clinic.  
   1881 - Surrender of Sitting Bull and 186 followers, crossing the Canadian border into US; Army breaks its amnesty promise and jails him at Fort Randall, Dakota Territory.
    1883 - Max Fleischer (d. 1972) was born in Krakow, Austria-Hungary.  Fleischer was a pioneer in the development of the animated cartoon and served as the head of Fleischer Studios. He brought such animated characters as Koko the Clown, Betty Bop, Popeye and Superman to the movie screen and was responsible for several technological innovations.   
    1886 - Third hurricane in one month crosses Florida causing great damage from Cedar Keys to Jacksonville
    1902 – John McGraw made his debut as manager of the New York Giants, losing 5-3 to the Phillies.  He would stay on until 1932, winning three World Series.
    1902 - Birthday of clarinet player William “Buster” Bailey (d. 1967), Memphis, TN
    1909 - With men on first and second, Cleveland shortstop Neal Ball catches Ambrose McConnell's line drive, gets Heinie Wagner at second, and then tags Jake Stahl completing the first modern Major League unassisted triple play in a 6-1 win over the Red Sox.
    1910 – Pitching for the Cleveland Indians, Cy Young won his 500th game, the only pitcher in Major League history to do so.  He finished his Hall of Fame career with 511, a record many believe is the most unbreakable in all of sport.
    1911 - Former circus acrobat Walter Carlisle completes an unassisted triple-play for Vernon (LA) of the Pacific Coast League when he catches a ball in shallow centerfield flips and touches second base and beats the runner back to first base.
    1912 – Birthday of Art Linkletter, born Gordon Arthur Kelly (d. 2010), Moose Jaw, Saskatchewan.  An early daytime TV star, he hosted “People Are Funny,” “House Party,” and “Kids Say the Darndest Things.”
    1913 - Trombonist Charlie Teagarden (d. 1984) birthday, Vernon, TX.
    1916 - Birthday of Eve Merriam (d. 1992), Philadelphia, PA.  A poet, playwright and author of more than 50 books for both adults and children. Merriam's works, which often focused on feminism, include “It Doesn't Always Have to Rhyme,” “After Nora Slammed the Door,” “The Women's Unfinished Revolution,” “Mommies at Work,” and a book of poems attacked by authorities as glamorizing crime, “The Urban Mother Goose.” Her play “Out of Our Father's House,” portraying the lives of American women, was presented on public television, “Great Performances” series. She also wrote the first documentary of women's rights for network TV, “We the Women.”
    1921 - Birthday of Medical physicist Rosalyn Yalow (d. 2011), New York City. Along with Andrew V. Schally and Roger Guillemin, in 1977, Yalow was awarded the Nobel Prize for Physiology or Medicine. Through her research on medical applications of radioactive isotopes, Yalow developed RIA, a sensitive and simple technique used to measure minute concentrations of hormones and other substances in blood or other body fluids. First applied to the study of insulin concentration in the blood of diabetics, RIA was soon used in hundreds of other applications.
    1922 - Birthday of George McGovern (d. 2012), Mitchell, SD.  Vietnam antiwar activist, Senator, presidential candidate in 1972.
    1933 – For the first time in Major League history, brothers on opposing teams homered in the same game. Red Sox catcher Rick Ferrell hit his home run off brother Wes of the Cleveland Indians while Wes hit his off Hank Johnson in the 3rd inning. He will wind up his career with 38 homers in 548 games. Rick will hit only 28 in 1,884 games.  
    1936 - 17-year-old Iowa farm boy Bob Feller made his Major League debut, pitching one inning of relief against the Senators for the Cleveland Indians in Washington, D.C. The fireballer allowed no hits and no runs, striking out none, walking two. 
    1937 - Country singer George Hamilton IV (d. 2014), was born in Winston-Salem, North Carolina. Hamilton became much more popular in Canada and Britain than in the US. In Canada, this popularity stemmed from his close association with the songs of Gordon Lightfoot. Hamilton became friendly with Lightfoot in 1965 and recorded such Lightfoot tunes as "Early Morning Rain" and "Canadian Railroad Trilogy." Hamilton began to work with other Canadian writers as well, and later signed with RCA's Canadian division. Hamilton also was the host of the Canadian TV show "North Country" for five years.
    1939 - Jack Teagarden and his orchestra recorded "Aunt Hagar's Blues" for Columbia Records. Teagarden provided the vocal on the session recorded in Chicago, IL.
    1939 - Bud Freeman and his Summa Cum Laude Orchestra record “The Eel.”
    1940 - Charlie Barnet Band records “Pompton Turnpike” (Bluebird 10825)
    1940 - Pop music record charts for single songs were published by the music trade newspaper Billboard. The first song to hit No. 1 in the pop charges was Tommy Dorsey's “I'll Never Smile Again,” sung by Frank Sinatra
    1941 - Birthday of guitarist Phil Upchurch, Chicago, IL
    1941 - Birthday of singer Vikki Carr was born Florencia Bisenta deCasilla-Martinez Cardona, El Paso, Texas.
    1942 – German Adm. Donitz ordered the last U-boats to withdraw from their United States Atlantic coast positions in response to the effective American convoy system.
    1944 - Top Hits
“I'll Be Seeing You” - Bing Crosby
“Long Ago and Far Away” - Helen Forrest & Dick Haymes
“Amor” - Bing Crosby
“Straighten Up and Fly Right” - King Cole Trio
    1944 - Some 1,200 8th Air Force bombers bombed targets in SW Germany. Some 500 15th Air Force Liberators (Flying Fortresses) bombed the Munich vicinity.
    1944 - CHRISTENSEN, DALE ELDON, Medal of Honor
Rank and organization: Second Lieutenant, U.S. Army, Troop E, 112th Cavalry Regiment. Place and date: Driniumor River, New Guinea, 16-19 July 1944. Entered service at: Gray, lowa. Birth: Cameron Township, lowa. G.O. No.: 36, 10 May 1945. Citation: For conspicuous gallantry and intrepidity at the risk of his life above and beyond the call of duty along the Driniumor River, New Guinea, from 16-19 July 1944. 2d Lt. Christensen repeatedly distinguished himself by conspicuous gallantry above and beyond the call of duty in the continuous heavy fighting which occurred in this area from 16-19 July. On 16 July, his platoon engaged in a savage fire fight in which much damage was caused by 1 enemy machinegun effectively placed. 2d Lt. Christensen ordered his men to remain under cover, crept forward under fire, and at a range of 15 yards put the gun out of action with hand grenades. Again, on 19 July, while attacking an enemy position strong in mortars and machineguns, his platoon was pinned to the ground by intense fire. Ordering his men to remain under cover, he crept forward alone to locate definitely the enemy automatic weapons and the best direction from which to attack. Although his rifle was struck by enemy fire and knocked from his hands he continued his reconnaissance, located 5 enemy machineguns, destroyed 1 with hand grenades, and rejoined his platoon. He then led his men to the point selected for launching the attack and, calling encouragement, led the charge. This assault was successful and the enemy was driven from the positions with a loss of 4 mortars and 10 machineguns and leaving many dead on the field. On 4 August 1944, near Afua, Dutch New Guinea, 2d Lt. Christensen was killed in action about 2 yards from his objective while leading his platoon in position. 2d Lt. Christensen's leadership, intrepidity, and repeatedly demonstrated gallantry in action at the risk of his life, above and beyond the call of duty, exemplify the highest traditions of the U.S. Armed Forces.
    1945 - The USAAF struck the cities of Choshi, Hitachi, Fukui and Okazaki with 600 B-29 Superfortress bombers dropping some 4000 tons of bombs. It is largest deployment of the bomber type yet.
    1946 - Marilyn Monroe was given her first screen test at Twentieth Century-Fox Studios. Even with no sound, this test was all they needed to sign her first contract. Beginning with “Scudda-Hoo! Scudda-Hay!” in 1948 and ending with “The Misfits” in 1961, Monroe made a total of 29 films during her short career.  She was a top-billed actress for only a decade but her films grossed $200 million (equivalent to $2 billion in 2020) by the time of her death in 1962.   Long after her death, she continues to be a major icon of pop culture.   In 1999, the AFI ranked Monroe sixth on its list of the greatest female screen legends from the Golden Age of Hollywood.
    1948 - "Our Miss Brooks," starring Eve Arden and Gale Gordon, debuted an attack on an enemy machinegun on CBS radio. Arden played the role of Connie Brooks. The program stayed on radio until 1957, running simultaneously on TV from 1952 to 1956. Miss Brooks taught English at Madison High School. Her pal, the bashful, biology teacher Philip Boynton, was played by Robert Rockwell. The crusty, blustery principal of Madison High, Osgood Conklin, was none other than Gale Gordon. Supporting Eve Arden was Jane Morgan as Miss Brooks' landlady, Mrs. Davis. The main problem child in the classroom, the somewhat dimwitted Walter Denton was Richard Crenna.
    1949 - Singer Harry Belafonte began recording for Capitol Records. The first sessions included "They Didn't Believe Me" and "Close Your Eyes." A short time later, Capitol said Belafonte wasn't “commercial enough,” so he signed with RCA Victor (for a very productive and commercial career).
    1950 – The Yankees obtained their first black players, OF Elston Howard and P Frank Barnes from the Kansas City Monarchs of the Negro Leagues.  Howard was called up to the parent club in 1955 to become the first black player on the Yankees and was a mainstay on their pennant-winning teams through 1964. In 1963, he became the first black player in the American League to be named MVP.
    1952 - Author Jayne Anne Phillips born Buckhannon, West Virginia. “Black Tickets,” “Fast Lanes,” “Shelter.”
    1952 - Top Hits
“I'm Yours” - Eddie Fisher
“Kiss of Fire” - Georgia Gibbs
“Walkin' My Baby Back Home” - Johnnie Ray
“Are You Teasing Me” - Carl Smith
    1954 - Elvis Presley's first record, "That's All Right (Mama)" backed with "Blue Moon of Kentucky," was released on the Sun label. Elvis had recorded the tunes two weeks earlier with guitarist Scotty Moore and bassist Bill Black at the Sun studio in Memphis. When the record was first aired on a Memphis radio station, Elvis was reported to have hid in a movie theatre because he thought people would laugh at his effort. He needn't have worried . . . "That's All Right (Mama)" became a local hit. Sun is supposed to have pressed only about seven-thousand copies of the record, and one in mint condition today is worth at least $200.
    1958 - After a series of disputes over money (and a fistfight with the manager of Harlem's famous Apollo Theater), Drifters manager George Treadwell fires the entire group and installs the existing group, the Five Crowns, in their place, renaming them the Drifters. This lineup, featuring a lead tenor named Ben E. King, would prove to be the most popular critically and commercially, releasing hits like "There Goes My Baby," "This Magic Moment," and "Save the Last Dance for Me." 
    1960 - Juan Marichal of the San Francisco Giants became the first pitcher to throw a one-hitter in his Major League debut. Marichal allowed just one hit (a double in the eighth inning) as the Giants beat the Philadelphia Phillies.
    1960 - Top Hits
“I'm Sorry” - Brenda Lee
“Only the Lonely” - Roy Orbison
“That's All You Gotta Do” - Brenda Lee
“Please Help Me, I'm Falling” - Hank Locklin
    1960 - Boise sets highest ever reading with a scorching 111
    1960 - Cow Creek, CA in Death Valley starts with a morning low of 102 and rises to 126
    1963 – Capt. Joe Walker flew an X-15 to a record altitude of 347,800 feet, thereby qualifying as a human spaceflight under international convention.
    1966 - 50-year-old Frank Sinatra marries 20-year-old actress Mia Farrow in New York amid a sea of fourteen movie cameras and 37 regular cameras. The marriage, one of Hollywood's rockiest, will last only two years, with Sinatra issuing an ultimatum to Farrow as she is filming Roman Polanski's movie “Rosemary's Baby” -- one she will ignore, leading Sinatra to serve divorce papers to her on the set.
    1965 - Shooting begins on Star Trek 2nd pilot "Where No Man Has Gone Before." This one makes it.
    1968 - Top Hits
“This Guy's in Love with You” - Herb Alpert
“The Horse” - Cliff Nobles & Co.
“Jumpin' Jack Flash” - The Rolling Stones
“D-I-V-O-R-C-E” - Tammy Wynette
    1969 - The Who appeared at Fillmore West in San Francisco.
    1969 - No. 1 Billboard Pop Hit: "Grazing in the Grass," Hugh Masekela, a version of the song by The Friends of Distinction reaches No. 3.
    1969 - GERTSCH, JOHN G., Medal of Honor
Rank and organization: Staff Sergeant, U.S.. Army, Company E, 1st Battalion, 327th Infantry, 101st Airborne Division. Place and date: A Shau Valley, Republic of Vietnam, 15 to 19 July 1969. Entered service at: Buffalo, N.Y. Born: 29 September 1944, Jersey City, N.J.: Citation: S/Sgt. Gertsch distinguished himself while serving as a platoon sergeant and platoon leader during combat operations in the A Shau Valley. During the initial phase of an operation to seize a strongly defended enemy position, S/Sgt. Gertsch's platoon leader was seriously wounded and lay exposed to intense enemy fire. Forsaking his own safety, without hesitation S/Sgt. Gertsch rushed to aid his fallen leader and dragged him to a sheltered position. He then assumed command of the heavily engaged platoon and led his men in a fierce counterattack that forced the enemy to withdraw. Later, a small element of S/Sgt. Gertsch's unit was reconnoitering when attacked again by the enemy. S/Sgt. Gertsch moved forward to his besieged element and immediately charged, firing as he advanced. His determined assault forced the enemy troops to withdraw in confusion and made possible the recovery of 2 wounded men who had been exposed to heavy enemy fire. Sometime later his platoon came under attack by an enemy force employing automatic weapons, grenade, and rocket fire. S/Sgt. Gertsch was severely wounded during the onslaught but continued to command his platoon despite his painful wound. While moving under fire and encouraging his men he sighted an aid man treating a wounded officer from an adjacent unit. Realizing that both men were in imminent danger of being killed, he rushed forward and positioned himself between them and the enemy nearby. While the wounded officer was being moved to safety S/Sgt. Gertsch was mortally wounded by enemy fire. Without S/Sgt. Gertsch's courage, ability to inspire others, and profound concern for the welfare of his men, the loss of life among his fellow soldiers would have been significantly greater. His conspicuous gallantry, extraordinary heroism, and intrepidity at the cost of his life, above and beyond the call of duty, are in the highest traditions of the U.S. Army and reflect great credit on him and the Armed Forces of his country.
    1969 - Apollo 11, with Neil Armstrong, Edwin "Buzz" Aldrin and Michael Collins on board, went into orbit around the moon. 
    1974 - The House Judiciary Committee recommended that President Richard Nixon should stand trial in the Senate for any of the five impeachment charges against him. 
    1975 - "Listen To What The Man Said" by Wings hits #1 on the singles chart.
    1975 - Orleans' "Dance With Me" is released.
    1976 - No. 1 Billboard Pop Hit: "Kiss and Say Goodbye," Manhattans.
    1976 - Top Hits
“Afternoon Delight” - Starland Vocal Band
“Kiss and Say Goodbye” - Manhattans
“I'll Be Good to You” - The Brothers Johnson
“Teddy Bear” - Red Sovine
    1977 - Slow moving thunderstorms drop 12 inches of rain in the Johnstown, PA area in only 7 hours. Severe flash flooding occurred with Johnstown under 10 feet of water. The death toll was 76 and total damage was $200 million.
    1980 - Billy Joel's "It's Still Rock & Roll To Me" hits #1.
    1980 - Elton John's "Little Jeannie" hits #3 on the singles chart.
    1980 - The Grateful Dead's "Alabama Getaway" peaks at #68 on the singles chart.
    1981 - In a private meeting with President Ronald Reagan, French Prime Minister Mitterand revealed the existence of the “Farewell Dossier,” a collection of documents showing the Soviet Union had been stealing American technological research and development.
    1981 - "Roy Orbison Day" is celebrated in Odessa, Texas.
    1984 - Congresswoman Geraldine Ferraro was nominated to run with candidate Walter Mondale on the Democratic ticket, the first female vice-presidential candidate representing a major American political party. They were defeated by the Republican ticket headed by Ronald Reagan.
    1984 - Top Hits
“When Doves Cry” - Prince
“Dancing in the Dark” - Bruce Springsteen
“Eyes Without a Face” - Billy Idol
“I Don't Want to Be a Memory” – Exile
    1986 - All-time record heat in stubborn heat wave for Charleston, SC with 104, breaking record set earlier in month (9th) of 103.
    1986 - Genesis' "Invisible Touch" hits #1 on the singles chart.
    1986 - The "Ruthless People" soundtrack enters the album chart. It features the Billy Joel hit, "Modern Woman.”
    1986 - No. 1 Billboard Pop Hit: "Invisible Touch," Genesis.
    1986 - Caroline Kennedy weds Edwin A Schlossberg in Centerville, Mass.
    1989 - 181 out of 293 passengers and crew survived the crash of a United Airlines DC-10. The pilot of Flight 232, bound for Chicago, reported trouble to the Sioux City, Iowa airport half an hour before it slammed into the Sioux City runway. Prepared emergency personnel were credited with helping many to survive the fiery crash.
    1990 - Singer Vicki Carr helps dedicate the Nixon Presidential Library, singing in front of all four living presidents (Nixon, Carter, Reagan, and George H.W. Bush), all of which she had performed for at the White House during their terms. 
    1990 - Baseball's all-time hits leader Pete Rose was sentenced in Cincinnati to five months in prison and fined $50,000 for filing false income tax returns. Rose, who spent 25 years in the Majors with 4256 hits, 1314 RBIs and a lifetime average of .303, was released from prison Jan 7, 1991
    1994 - The Rolling Stones played a surprise date at the R-P-M club in Toronto as a preview of their "Voodoo Lounge" tour. One-thousand people paid just five-dollars each to see the nearly hour-and-a-half-long show. The Stones had been in Toronto rehearsing for weeks.
    1995 - Elvis Presley's former doctor lost his license when the state of Tennessee decided he over-prescribed addictive drugs to patients, including Jerry Lee Lewis. George Nichopoulos called the decision "idiotic." He suggested it stemmed from resentment over Presley's death in 1977. Nichopoulos was found not guilty in 1981 of charges he indiscriminately and negligently prescribed drugs to Presley.
    1996 - Montreal singer Celine Dion performed at the opening ceremonies of the Atlanta Olympics. She sang "The Power of the Dream," written by David Foster, Kenneth (Babyface) Edmonds and Linda Thompson. The song was commissioned for the occasion.
    1997 - Daniel Komen of Kenya broke the 8-minute barrier for the 2-mile run while setting a new world record of 7:58.61 at the Hechtel Night of Athletics in Hechtel, Belgium. Komen actually ran two sub-4-minute-miles in this race, running his first mile in 3:59.2, then turned in a second mile of 3:59.4.
    2004 - In Pacific Coast League action at Portland's PGE Park, Tagg Bozied hits a walk-off grand slam in the bottom of the ninth to beat the Tacoma Rainiers, 8-5. Upon his arrival at home plate, the Beavers' first baseman, jumping for joy, ruptures the patella tendon to his left knee and was taken to Legacy Good Samaritan Hospital by ambulance.
    2005 - John G. Roberts, Jr. was nominated to the United States Supreme Court by President George W. Bush to fill a vacancy that would be created by the retirement of Justice Sandra Day O’Connor.  Chief Justice William H. Rehnquist died on September 3, 2005, while Roberts's confirmation was still pending before the Senate. On September 5, Bush withdrew Roberts' nomination as O'Connor's successor and announced Roberts' new nomination to the position of Chief Justice.  Roberts was confirmed by the full Senate on September 29 by a margin of 78–22.
    2014 - R. J. Reynolds must pay over $23 billion in resolution of a lawsuit filed by the widow of a man who died from lung cancer at age 36.  The suit accused the company of hiding the health risks and habit-forming nature of cigarettes.
    2015 - Jeffrey Webb pleads not guilty to bribery charges in the FIFA soccer corruption case brought against 14 former officials.  Webb was the first to be extradited to the U.S. to face the charges.
    2019 - Heat wave begins across the east of America affecting 100 million people and killing 6, with New York city declaring a state of emergency.
    2020 - Portland Mayor Ted Wheeler criticizes federal policing of protesters in his city, calling it unconstitutional.



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





Daily Puzzle

How to play:

Refresh for current date:






See USA map, click to specific area, no commercials



Traffic Live---

Real Time Traffic Information

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