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Leasing Operations Coordinator
Los Angeles, California

3+ years of commercial equipment leasing experience. Conduct independent evaluation of credit profile, assets and finance solutions. Lease Document preparation, Funding review, coordination and follow-up. Lease Booking, Title Processing, Insurance coordination.
Bilingual Spanish a plus.
More information, please click here.

Well-established asset-based direct funding source for transactions $10,000 up to $250,000.


Tuesday, June 11, 2013


Today's Equipment Leasing Headlines

Charlie Bancroft Passes Away
 Classified Ads---Legal
CapitalSource Healthcare Finance No Longer in Business
 Readers Respond Why
  ---Update: Leasing Companies Out of Business
   plus No Longer taking Broker/Discounting Business
    Classified Ads---Help Wanted
In Operations...Heard will be terminated!
 How should I prepare?
  Career Crossroad---By Emily Fitzpatrick/RII
   Channel Partners Last 20 Deals Funded
     U.S. Bank Equipment Finance Awarded Tort Damages in
      Case Where Equipment Move to Mexico
       By Tom McCurnin
Leasing 102 by Mr. Terry Winders, CLP
 Lease Format Chart
  Tennessee Bank Fails, Las Vegas Bank Can’t Find Buyer
   by Christopher Menkin
    SNL's Top 50 European Big Bank List
     by Saad Sarfraz, SNL Financial
      Community Banks in Western States Grow Stronger
       Agricultural Banks Performing Well
        National Funding Appoints Bob Sweeney CFO
         Orange County Business Owner Pleads Guilty
          to Federal Tax and Structuring Violations
       Top Stories June 3-June 6
        (You May Have Missed)
          Border Collie/Mix
           Englewood, Colorado Adopt-a-Dog
News Briefs---
Capital One Raids SunTrust to Beef Up Leasing Unit
 ICBA Concerned w/Freddie Mac Low-Volume Fees for Small Lenders
  European Bank Assets in Spotlight/SNL: Free Report
   Brooke Astor's elderly son heading to the slammer
    Warren Buffett lunch auction winner pays $1,000,100
     Amazon to start grocery deliveries in Los Angeles
      Apple unveils music streaming service
       McDonald's says cheap eats helped lift sales

Broker/Funder/Industry Lists | Features (collection)
Top Ten Stories Chosen by Readers | Top Stories last six months (Be Careful of Doing Business)

  You May have Missed---
   SparkPeople--Live Healthier and Longer
    Sports Briefs---
      California Nuts Brief---
       "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.

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Charlie Bancroft Passes Away

One of the founders and charter member of the National Association of Equipment Leasing Brokers, Charlie Bancroft passed away.

“Bancroft Leasing in business for 25 years, known as AGLease to the world of agriculture:” He started the company in December, 1975, prior to being in public accounting, 1962-1968, and prior as a corporate field auditor for Goodrich. He had a BBA, Finance, University of Michigan, as well as other college courses, noting in his LinkedIn that he was a member of Delta Sigma Pi and played Football.

The news of his passing was told to Leasing News by
Bud Callahan, CLP, National Equipment Leasing:

“I am so sorry to hear of the passing of Charlie Bancroft. I am mystified that he passed on May 6th and we are just hearing about it.

“Charlie was a good friend, mentor and one of the good guys. Charlie, we will miss you.”

Mr. Bancroft’s daughter Julie also contacted Leasing News:

"My father, Charlie, was a big fan of your newsletter, and he forwarded to me often. My dad always said that your newsletter was the best in the industry for multiple reasons, but I think his favorite items to read included the updates on funding sources, where are they now, leasing 101, and people to avoid. Those are the things he printed and shared with me. I am looking forward to becoming a subscriber.

"Attached is a photo taken at a leasing event in Atlanta in August, 2001. I remember the date well because it was the last flight we took before 9/11. It appeared in Leasing News August 29, 2001. We have had that picture hanging in our office for years. :)"

Julie Bancroft
Bancroft Leasing
Equipment Leasing Since 1977

(Photo by Fred St. Laurent - Fred St. Laurent Pictures)

eLessors Technology Conference
“The Financial Resource Conference”
August 28-30, 2001
Ritz-Carlton, Buckhead
Atlanta, Georgia

Many readers of Leasing News sent in their condolences.

The National Association of Equipment Leasing Brokers
paid tribute to his passing:

"NAELB owes a debt of gratitude to Charlie and a small group of other brokers who came together in Atlanta in 1990 to form a new association to serve the broker community. From that gathering, the National Association of Equipment Leasing Brokers was born.

"Charlie served on the NAELB Board of Directors from 1996 until 1999 and was a cheerleader for the association throughout his leasing career, which began in 1977 with the founding of Bancroft Leasing in Memphis, Tennessee. He was best known for his agricultural leasing but also played a role in getting The Peabody Hotel ready for its grand reopening in 1981. Charlie Bancroft 2001.

"Charlie is survived by his wife of 50 years, Ann Perry Bancroft and his two daughters, Julie Bancroft and Sheri Bancroft. NAELB Master Member, Bancroft Leasing, will continue to operate in the same location, under the direction of Charlie's daughter Julie.

"Charlie's e-mail signature always closed with "Cheers from Charlie." This sentiment sums up the pleasant demeanor he approached his life and work with, and so we say, "Cheers to you Charlie. Thank you for the contributions you made during a life well lived."


Charles Yarrington Bancroft, age 80, passed away on Monday, May 6, 2013 with his family at his bedside. He was preceded in death by his brother, George Homer Bancroft, and sister, Kate Bancroft Page, as well as his mother, Alice Woodruff Pitkin Bancroft, and father, George Homer Bancroft. He is survived by his wife of 50 years, Ann Perry Bancroft; his two daughters, Julie Bancroft and Sheri Bancroft (Russell Lamkins III), all of Memphis, and sister-in-law, Martha Raber Bancroft of Waco, Texas. He leaves behind numerous nieces and nephews. A memorial service for Mr. Bancroft was held at St. George's Episcopal Church in Germantown, TN on Sunday, May 12. In lieu of flowers, the family requests donations be made to St. George's Episcopal Church.

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San Diego , CA 
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Cell Phone: 760-533-4058; | Resume

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CapitalSource Healthcare Finance No Longer in Business
Readers Respond Why

CapitalSource Healthcare Finance, Chevy Chase, Maryland is no longer in business, as readers confirm with their knowledge.

The question originally came from changes in email addresses for Leasing News editions, as well as "New Hires--Promotion" noting several new position from those employed previously at CapitalSource Healthcare Finance.

Telephone calls and emails to the company were not returned.

Readers did respond

"Capital Source has closed the PPL group effective May 23, 2013. This only effected the conventional (smaller ticket) healthcare financing. This group provided practice acquisition funding and refinances for dentist, physicians, and vets as the primary function. This group is the same folks that were Main Street Bank in TX prior to Depping’s Fed issues with that bank. Cap Source still maintains the larger healthcare funding group (Hospitals/ALF).

“Various reasons have been given for the closing poor portfolio performance being the most often cited. The SBA group is still operational. I am pretty sure that they will bring back a conventional product through the SBA group. A few months ago credit authority was pulled from the PPL group. That usually spells the beginning of the end. (BTW: Prior to going to Main Street, these same folks were the Leaf/Unicyn gang formerly of GE Capital/HPSC.)

"Although it is a tough sell when competing with BofA in this segment. BofA has locked up nearly all the practice brokers by paying them non-disclosed kickbacks of 1-3%. This group could not compete on price even when they offered the same kickbacks. I personally experienced poor customer service and non-returned calls. Not a good practice when trying to sustain a business.

“I wanted to share as much information as I had. I rely on the information you provide, and like to return the favor whenever possible. This information is accurate, but please keep the source of the info confidential. Let me know if I can be of further service."

(Name With Held)

"Capital source is all done!!! The whole portfolio is for sale.

"I heard it was about 20 or so people.....ALOT of the same people who worked at the GE healthcare division before it was shut down.”

(Name With Held)

"It had to do with just the bank had all it could handle regarding wasn’t really a performance was an exposure issue.

"Next time it is about a medical leasing company, just contact me."

(Name With Held)

August 1, 2012:
"CapitalSource has quietly moved its headquarters to Los Angeles...

"CapitalSource, traditionally a specialty finance company, got into the banking business in 2008 when it acquired the assets of a troubled California bank, which it renamed CapitalSource Bank. Since then, the bank has become the dominant business, and the company is transferring all of its activities to its bank subsidiary. It's CEO is now based there, too."

(Sent by a reader)




---Update: Leasing Companies Out of Business
plus No Longer taking Broker/Discounting Business

Companies with an * are no longer in business. The others are companies that were taking broker business, but announced that they no longer are accepting broker business. Many have also down-sized or are managing an existing portfolio.

More details are available in this list by company name:

*ABCO Leasing Inc., Bothell, WA
*ACC Capital, Midvale, Utah (lenders running off portfolio residuals, Leasing News receiving Evergreen non-notification complaints, demanding 12 more monthly payments)
Advantage Business Capital, Lake Oswego, Oregon
AEL Financial, Buffalo Grove, Illinois
(No longer taking new broker business) 
Alliance Financial, Syracuse, New York
*Alternative Capital, Apollo Beach, Florida 
*AMC Funding, Charlotte, North Carolina
American Bank Leasing, Alpharetta, Georgia
*American Equipment Finance, Warren, New Jersey
Balboa Capital, Irvine, Ca
Bank of the West Leasing Indirect, San Ramon, California
    (Require high volume, successful brokers only) 
*Bank Midwest Leasing, Overland Park, KS 
Bankers Healthcare Group, Weston, FL
*CapitalSource Healthcare Finance, Chevy Chase, Maryland
*CapNet, Los Angeles, California
*C and J Leasing Corp, Des Moines, Iowa
*Carlton Financial Corporation, Wayzata, Minnesota
*Chase Industries, Inc., Grand Rapids, Michigan 
*Chesterfield Financial, Chesterfield, Missouri
CHG-MERIDIAN U.S. Finance, Ltd, Woodland Hills, CA
(Sales Management focuses very selectively on certain brokers.) 
*Churchill Group/Churchill Leasing, Jericho, NY
CIT Group (limited)
*Cobra Capital, Darien, Illinois 
Columbia Bank Leasing, Tacoma, WA
*Columbia Equipment Finance, Danville, California 
Commercial Equipment Lease, Eugene, Oregon 
Concord Financial Services, Long Beach, California
*Court Square, Malvern, Pennsylvania
*Creative Capital Leasing Group, LLC, San Diego, CA
Direct Capital, Portsmouth, New Hampshire
Diversified Financial Service, Omaha, NE
Dolsen Leasing, Bellevue/Yakima, Washington
Equipment Finance Partners, a division of Altec, Birmingham, Alabama 
Evans National Leasing, Inc., Hamburg, NY
Enterprise Funding, Grand Rapids, Michigan
* Evergreen Leasing, South Elgin, Illinois
*Excel Financial Leasing, Lubbock Texas
*First Corp.(IFC subsidiary), Morton Grove, Illinois
First Federal Financial Services, Inc., Menomonee Falls, Wisconsin
First Republic Bank, San Francisco, CA
Frontier Capital, Teaneck New Jersey 
*GCR Capital, Safety Harbor, Florida 
GE Capital, Conn (limited)
Global Funding LLC., Clearwater, FL
*Greystone, Burlington, MA
*Heritage Pacific Leasing, Fresno, CA
*Hillcrest Bank Leasing, Overland Park, KS (Parent bank sold)
Huntington Equipment Finance, Vendor Finance Group, Bellevue, Washington
*IFC Credit Corp., Morton Grove, Illinois
Irwin Financial (Irwin Union Bank), Columbus, Indiana 
Irwin Union Bank, F.S.B. (Louisville, Kentucky)
Lakeland Bank, Montville, NJ
LaSalle Systems Leasing
*Latitude Equipment Leasing, Marlton, New Jersey 
*Leaf Specialty Finance, Columbia, South Carolina
*LEAF Third Party Funding, Santa Barbara, Ca.
Lombard, part of Royal Bank of Scotland, worldwide
Marlin Business Services, Mount Laurel, NJ (accepting no new brokers, they may have opened for a select fee, but no more at this time, they say.)
M&T Credit (Bank)
*MericapCredit, Lisle, Illinois
*Meridian Healthcare Finance, San Diego, California 
Merrill Lynch Financial
*Mesa Leasing, San Diego, CA 
Midwest Leasing Group, Livonia, Minnesota
National City, Cleveland, Ohio
*Navigator (Pentech subsidiary) San Diego, California
OFC Capital, Roswell, Georgia
Old National Bank, Evansville, Illinois
Pentech Financial, Campbell, CA
*PFF Bancorp, Inc, Pomona, CA
Pinnacle Business Finance, Fife, Washington
*Pioneer Capital Corporation, Addison, Texas
PredictiFund, a subsidiary of Capital Access Network, Inc
Popular Finance, St. Louis, Missouri
Puget Sound Leasing, Seattle, Washington 
Radiance-Capital, Tacoma, WA
Rational Technology Solutions, Rolling Meadows, IL
*Reliant National Finance, Jacksonville, Florida
Sandy Springs, Olney, MD
* Securities Equipment Lsg. (SEL, Inc.), Glendora, CA 
Sovereign Bank, Melville, New York
Specialty Funding, Albuquerque, NM
*Studebaker-Worthington Leasing, Corp., Jerico, NY
(part of sale from Main Street Bank to Ascentium Capital) 
Sun Trust Equipment Finance & Leasing, Baltimore, Maryland 
*SunBridge Capital, Mission, Kansas
Suncoast Equipment Funding Corp., Tampa, Florida
TCF Equipment Finance, Minnetonka, Minnesota 
TechLease, Morgan Hill, California
*Tennessee Commerce Bank, Franklin, Tennessee 
Textron Financial
*Triad Leasing & Financial, Inc., Boise, Idaho
*TriStar Capital, Santa Ana, California 
*Union Capital Partners, Midvale, Utah
US Bank, Manifest Funding, Marshall, Minnesota
(new requirement: large yearly funding) 
US Bank, Middle-Market, Portland, Oregon 
Velocity Financial Group, Rosemont, Illinois
VenCore, Portland, Oregon (former company Len Ludwig)
*Vision Capital, San Diego, California
Wachovia Bank Leasing
*Washington Mutual Financial
Western Bank, Devils Lake, ND
*Westover Financial, Inc., Santa Ana, California

(Note: Should a company policy have changed, please contact

Funders looking for new Brokers:


Leasing Industry Help Wanted

Leasing Operations Coordinator
Los Angeles, California

3+ years of commercial equipment leasing experience. Conduct independent evaluation of credit profile, assets and finance solutions. Lease Document preparation, Funding review, coordination and follow-up. Lease Booking, Title Processing, Insurance coordination.
Bilingual Spanish a plus.
More information, please click here.

Well-established asset-based direct funding source for transactions $10,000 up to $250,000.


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

Please see our Job Wanted section for possible new employees.


In Operations...Heard will be terminated!
How should I prepare?
Career Crossroad---By Emily Fitzpatrick/RII


Question: I am in an operational role and have heard (from a colleague) that I am going to be terminated in a few weeks. How should I prepare?

Answer: Being aware of your potential termination puts you at an advantage. You will need to make some decisions, but be careful not to make rash ones and do not lash out at your employer. Keep cool and rational, and most of all, don’t slowdown in your work. If anything, try to improve both your attitude and work. When you leave, the last few weeks will be the most remember!

Follow these basic rules:

  1. Don’t sign anything until you have had time to review any documents - if necessary, consult with an attorney. Many on this list I am told will give your “pro bono” advice:
  2. Ask about outplacement services: If your employer does not offer such services, if you are comfortable in this, request use of office space during your job hunt.
  3. Negotiate the best possible severance package; don’t demand, but don’t hesitate to make an inquiry as if the roles were reversed.
  4. A week’s severance pay for every year of service is standard; however if the unemployment rate is high, make sure you mention this fact and use actual statistics in your area.
  5. Understand what your benefits will be over the next few months, especially regarding health or dental insurance, if you are covered by the company.
  6. Request and find out your employer’s policy on providing references
  7. Most companies will confirm employment and dates of employment. Some companies will verify salary information you gave them. They will not say more, so a letter of reference removes this silence.
  8. If this is your current employer’s policy, get a written letter to provide potential employers stating their reference policy – if possible, obtain a written testimonial from your manager before you sign anything
  9. Even better – remember to obtain reference letters throughout your career with any potential employer (colleagues, managers that leave, customers, etc.) and keep in a folder for future use.
  10. I also recommend getting recommendations on your LinkedIn page. You never know when it will make a difference in your present job or to a potential employer.
  11. Do not stick your head in the sand regarding potential upcoming financial issues due to unemployment – face the facts early and take immediate action, e.g. speak to a financial advisor, a CPA, or someone you know well and respect who has been through this. You will hear this from many, but believe it: Be prudent with your severance monies, avoid cashing in any IRAs, etc.

Emily Fitzpatrick
Sr. Recruiter
Recruiters International, Inc.
Phone: 954-885-9241
Cell: 954-612-0567
Invite me to Connect on LinkedIn
Also follow us on Twitter #RIIINFO

Career Crossroads Previous Columns




U.S. Bank Equipment Finance Awarded Tort Damages in
Case Where Equipment Move to Mexico
By Tom McCurnin
Leasing News Legal News Editor

Lessee, In Violation of Lease, Removed Manufacturing Equipment From Wisconsin to Mexico, and Federal Court Tags Lessee and Its Principals.

U.S. Bancorp Equipment Finance v Ideal Manufacturing, 2012 WL 5879118 (2012).

This Lessee was bad news. Ideal Manufacturing was a metal stamping facility in Wisconsin, but in 2005 moved its operations to Mexico. In 2008, it entered into a Lease with Lyon Financial for manufacturing equipment, which was theoretically supposed to be located in Brownsville, Texas. The equipment was delivered there to drop location, and then immediately moved to Mexico. The Lessee did not manufacture anything in Texas. The Lessee defaulted in 2010.

While the Lessee surrendered everything to another secured creditor, Lyon’s equipment remained in Mexico. U.S. Bank subsequently acquired Lyon Financial.

U.S. Bank found out that it had been defrauded and sued the Lessee and its principals in Wisconsin for breach of lease and for conversion. Shockingly, the principals defended the suit and made the claim that the lease was unconscionable, in that they were required to waive rejection of the equipment and it apparently did not function. Apparently, its lack of functionality was so great, that rather than return the equipment, it was moved to a Mexican manufacturing facility.

The principals also claimed that Lyons gave them permission to move the equipment to Mexico, but of course there was no documentary proof, merely the affidavit of one of the principals.

What is shocking here is that the Court actually consumed 9 pages of legal argument to discuss these defenses, before awarding U.S. Bank contractual and tort damages. However, the husband fell on his sword and claimed that he, and only he, made the decision to move the equipment to Mexico, and therefore his wife ought not to be held responsible. The Court bought that contention as to tort damages, but the principals remain contractually liable on their guaranties.

The lessons for the equipment lessor are obvious here.

First, on a deal this size, I was surprised that the equipment was not “QuikTracked.” Perhaps the principals credit score was so high that Lyons trusted them, but stuff was worth well over $300,000 when delivered. A $75 Quiktrak would have saved the day. It would have also revealed that the facility to which the manufacturing equipment was delivered was not a manufacturing location. Indeed, the sign on the door was a different corporate name than the lessee, a second red flag.

Second, many lessors use a form called a “Compliance Agreement” which is issued annually and has the lessee re-verify the existence of the equipment, its functionality, and its location. The use of that form, if signed by the guarantors would have preserved tort remedies against both principals.

Third, if I was the lessee, I think I would have figured out a way to get the equipment into Texas for surrender to U.S. Bank. This case had to cost the principals a bundle. I did a PACER search and was equally surprised when I determined that the principals had not immediately filed Bankruptcy to discharge the guaranty obligation.

Tom McCurnin is a partner at Barton, Klugman & Oetting in Los Angeles, California.

US Bancorp Equipment Finance Case:

Tom McCurnin
Barton, Klugman & Oetting
350 South Grand Ave.
Suite 2200
Los Angeles, CA 90071
Direct Phone: (213) 617-6129
Cell (213) 268-8291
Visit our web site at
Previous Tom McCurnin Articles:

Previous Tom McCurnin Articles:



Leasing 102
by Mr. Terry Winders, CLP


  • Non-Lease-Lease .. A disguised loan using a lease form
  • A Non Tax Lease.. A lease to a non-profit 501-C Company
  • A Tax Lease .. A lease to a for –profit Company
  • A TRAC Lease.. A lease on transportation equipment licensed for over-the-road-use
  • A split TRAC Lease.. A Lease on transportation equipment that splits the residual guarantee between lessee and Lessor
  • A Municipal Lease.. A Lease to a political subdivision that has taxation powers
  • A 1 st Amendment Lease.. A Lease that has multiple lease terms
Synthetic Lease.. A loan qualified as a lease for accounting purposes
Non-Lease Lease 
  Money over Money
  $1 Purchase Option
  Finance Lease
Fails to Qualify Capital Lease
Depreciate overtrue use
Direct Finance leaseLender 
Sales type Lease
Lease Agreement, Bargain P.O.
Article 9
Non-Lease Lease
Money over Money
Bargain Fixed PurchaseOption
Finance Lease
Fails to Qualify Capital lease
over true use
Direct Finance lease
Sales type Lease
Lease Agreement, Fixed P.O.
Article 9 if bargain
Article 2A if no bargain
Non-Tax Lease
Money over Money
$1 Purchase Option
Finance Lease
Straight Line Dep.
Not for profituse
Capital lease
over true use
Direct Finance lease
Sales type Lease
Lease Agreement, Bargain P.O. 
Article 9
Non-Tax Lease
Money over Money
Fixed Purchase Option
Finance Lease
Fails to Qualify
Not for profituse
Capital lease
over lease term
Direct Finance lease
Sales type Lease
Lease Agreement, Fixed P.O.
Article 9 if bargain
Article 2A if no bargain
Tax Lease
True Lease
Fixed Purchase Option
FMV Lease
For Lessor
Rent Expense
For Lease
Capital Lease
if rent over 90%
Operating Lease
if rent under 90%
if IR over 90%
Operating Lease
if IR under 90%
Lease Agreement, Fixed P.O.
Article 9 if Bargain
Article 2A if no Bargain
TRAC Lease
True Lease
Lessee guarantee
For Lessor
Rent Expense
For Lessee
Capital lease
over true use
DFL or STL Lease Agreement, FixedP.O. Article 9

Municipal Lease
Bargain P.O.
Essential use

Tax Free Capital Lease DFL or STL Article 9
Municipal Lease
No Bargain P.O.
Taxable with
no depreciation
Capital Lease
if rent over 90%
Operating Lease
if rent under 90%
if IR over 90%
Operating Leasse
if IR under 90%
Article 2A
1st Ammendment Lese 
True Lease
Two Term Lease

Return Equipment
after 2nd term
For Lessor
Rent Expense 
For Lessee
Capital lease
if rent over 90%
Oprating Lease
if rent under 90%
DFL or STL Lease Agreement, Fixed Bargain P.O.
Article 9 if bargain
Article 2A if not bargain
Synthetic Lease
True Lease
Two Term Lease

Return equipment after 2nd term or $1P.O.
Fails to qualify Operating lease 
for first term
Capital Lease
form 2nd term
DFL or STL Article 9

This format will undoubtedly change after adoption of new lease accounting procedures, as well as any income tax law changes, but this is not expected until perhaps the year 2017 or later, so the above format will be grandfathered in until then.

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

He invites your questions and queries.

Previous #102 Columns:


Mr. Terry Winders available as Expert Witness. 35 years as a professional instructor to the top equipment leasing and finance companies in the United States, author of several books, including DVD's, as well as weekly columnist to Leasing News. He also performs audits of leasing companies as an expert on documentation, and has acted as an expert witness on leasing for litigation in legal and tax disputes, including before the IRS. He also has taught the senior bank examiners, how to review a bank leasing department, for the Federal Reserve in Washington D.C. and has trained the examiners for the FDIC on how to prepare a lease portfolio for sale.

Mr. Winders received his Master of Business Administration and his Bachelor of Science degrees from the College of Notre Dame.


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


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and ask them to subscribe



Tennessee Bank Fails, Las Vegas Bank Can’t Find Buyer
by Christopher Menkin

The 12 branches of Mountain National Bank, Sevierville, Tennessee, were closed with First Tennessee Bank, National Association, Memphis, Tennessee, to assume all of the deposits. Founded November, 23, 1998 the bank had 127 full time employees as of March 31, 2013 at their four offices in Sevierville, three offices at Maryville, two at Gatlinburg and two at Pigeon Forge, and one in Seymour. They had opened their seventh office 2005 in Pigeon Forge then one each in Maryville 2008, 2008, and 2009, and third branch in Sevierville in 2008 and their fourth in 2009.

The non-current loans shot up to $11.9 million in 2008, and 2009 it hit the fan: non-current going from $197,000 in 2008 to $11.9 million in 2008, then $40.6 million in 2009 and worse yet a $3.9 million loss in 2009, following right after the opening of these new branches in towns were they already had branches. Not the growth of employees, too.

2006 150
2007 173
2008 175
2009 181
2010 150
2011 140
2012 126

The non-current, losses, charge offs got worse as did the net equity:

(in millions, unless otherwise)

Net Equity
2006 $44.3
2007 $59.9
2008 $63.3
2009 $59.7
2010 $48.4
2011 $10.9
2012 $9.8
03/31 $8.6

2006 $4.4
2007 $4.6
2008 $3.8
2009 -$3.9
2010 $10.0 ($9.975)
2011 -$38.8
2012 -$1.5
03/31 -$820,000

Non-Current Loans
2006 $470,000
2007 $197,000
2008 $11.9
2009 $40.6
2010 $52.0
2011 $36.4
2012 $30.8
03/31 $33.0

Charge Offs
2006 $25,000 ($25,000 1-4 family, $18,000 individual. -$18,000 nonfarm/nonresidential.)
2007 $533,000 ($250,000 nonfarm/nonrs.,$159,000, $95,000 individual, $44,000 comm./industrial)
2008 $957,000 ( $686,000 constr./devlop, $155,000 commercial, $86,ooo individual,$24,000 1-4 family, $6,000 nonfarm/nonresidential.)
2009 $5.6 ( $3.0 constr./devlop,$367,000 nonfarm/nonres, $327,000 commercial/ind., $262,000 individual, $250,000 multifamily,
2010 $9.6 ($5.0 const./devlop, $1.7 nonfarm/nonres, $230,000 individuals, $212,000 commercial industrial.
2011 $28.3 ($14.4 const./devlop,$3.5 nonfarm/nonres., $1.4 multifamily, $240,000 individuals, $156,000 commercial/industrial)
2012 $5.5 ($2.0 nonfarm/nonres,$2.0 1-4 family, $402,000 constr.devlop, $533,000 commercial/industrial, $278,000 individuals)
03/31 $193,000 ($461,000 1-4 family, $26,000 individuals, -$433,000 const./dev., -$6,000 commercial/industrial).

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

03/31: Tier 1 risk-based capital ratio:2.62%


History of Mountain National Bank

IPO of stock was in July 1998; sold $12 million in 3 weeks to 1500 investors

Main Office: 300 E. Main Street, Sevierville, TN 37862
Opened November 23, 1998
Gatlinburg Branch: 960 E. Parkway, Gatlinburg, TN 37738
Opened March 22, 1999
Gatlinburg Parkway Branch: 745 Parkway, Gatlinburg, TN 37738
Opened May 17, 1999
Pigeon Forge Branch: 3104 Teaster Lane, Pigeon Forge, TN 37863
Opened November 8, 1999
Seymour Branch: 10641 Chapman Hwy., Seymour, TN 37865
Opened August 15, 2002
Kodak Branch, Sevierville: 2140 Winfield Dunn Parkway, Sevierville, TN
Opened June 19, 2003
Pigeon Forge Branch: 242 Wears Valley Rd., Pigeon Forge, TN 37863
Opened October 31st, 2005
West Maryville Branch: 2403 US Highway 411 South, Maryville, TN 37801
Opened October 5, 2007
Collier Drive Branch, Sevierville: 470 Collier Drive, Sevierville, TN 37862
Opened January 25, 2008
Justice Center Branch, Maryville: 2002 E. Lamar Alexander Parkway, Maryville, TN 37804
Opened April 14, 2008
Maryville Regional Branch, Maryville: 1820 Broadway, Maryville TN 37801
Opened January 26, 2009
Newport Highway Branch, Sevierville: 305 New Riverside Drive, Sevierville, TN 37862
Opened June 8, 2009

Let's look at the board of directors, who opened branch offices in the wrong time, and many in the same cities, which is also part of this explanation of why the bank failed:

Michael L. Brown served as President and Chief Operating Officer of Mountain National Bank, and of the parent company, Mountain National Bancshares, Inc. As one of the founding Executive Officers, he has been with the bank since 1998, and his banking career has spanned over 30 years. His daily duties include the oversight of four major areas of the bank: Information Technology, Bank Operations, Human Resources and Real Estate Acquisition/Development. He also is actively involved in corporate governance issues at both the bank and holding company levels.

Gary A. Helton, owner/general manager, volunteer Chevrolet, Sevierville.

Charlie R. Johnson, attorney, consultant for Signature Title Company, former mayor of Sevierville, owner of Oak Haven Resort, cabin rental company.

Sam L. Larg, owner of S.L.L, real estate and promotions

Jeffrey Jay Monson, retired from TRW, "has commercial/residential r3eal estate interests in Green and Sevier Counties.

Linda N. Ogle, president of Riverside Motor Lodge and Tiverside Towers, real estate.

Michael C. Ownby, President of Ownby Insurance Service, “He is also Chief Manager of MSP Enterprises LLC, which invests in various real estateventures and stock investments."

John M. Parker, Sr., participated in many business ventures, "John has also been very involved in real estate development of several residential subdivisions in Sevier County and many surrounding counties contributing to the growth of these areas."

Ruth A. Reams is retired from Reams Drug Store where she assisted her husband in the operation of the family business for many years.

Mountain National Bank Board of Directors

You get the idea, all but one are involved in real estate. Their main interest and livelihood and view is real estate. This has been a typical board of banks that have failed with little other type of business background or banking background or financial background, mostly involved very one sided in what took the bank down. Their business friends, relationships, and drive was in one view as you would put blinders on a horse.

"If you’re looking for Tennessee Real Estate in Sevier County which includes Pigeon Forge, Sevierville and Gatlinburg, where there is something for everyone, exciting attractions, spectacular shows, outdoor adventures, fishing, hiking, shopping and a wide variety of restaurants."

Ten Pages of homes and property for sale in "Smoky Mountain"

Dolly Parton born January 19,1946 Sevierville

Dollywood Theme Park is located in Pigeon Forge, Tennessee; also the site of the Southern Gospel Museum and Hall of Fame, sponsored by the Southern Gospel Music Association, an independent non-profit corporation.

Pigeon Forge, Tennessee

Single-family new house construction building permits:
1997: 36 buildings, average cost: $108,200
1998: 37 buildings, average cost: $135,000
1999: 64 buildings, average cost: $114,000
2000: 67 buildings, average cost: $105,500
2001: 77 buildings, average cost: $101,900
2002: 115 buildings, average cost: $104,700
2003: 144 buildings, average cost: $86,500
2004: 92 buildings, average cost: $143,500
2005: 139 buildings, average cost: $120,500
2006: 67 buildings, average cost: $158,100
2007: 130 buildings, average cost: $109,300
2008: 38 buildings, average cost: $160,500
2009: 38 buildings, average cost: $131,900
2010: 55 buildings, average cost: $98,900
2011: 39 buildings, average cost: $104,300

Sevierville Vacation Home
4 BR / 5BA / Sleeps 8-12
$195 - 275 a nt (USD)

"As of the census of 2000, there were 11,757 people, 5,002 households, and 3,206 families residing in the city",_Tennessee

"Like other towns situated along the Parkway in Sevier County, Sevierville has reaped the benefits of the burgeoning tourism industry brought on by the development of the Great Smoky Mountains National Park. As of 2004, nearly fifty percent of businesses based in Sevierville were linked to tourism. For example, there are over 2,000 hotel and motel rooms in the city today, generating more than $500,000(USD) in hotel-motel tax revenues each year."

Court Avenue, developed in 1901 as part of
Sevierville's new commercial district
(Same source as above)

Why visit Sevierville:

Cabin rentals:

As of March 31, 2013, Mountain National Bank had approximately $437.3 million in total assets and $373.4 million in total deposits. In addition to assuming all of the deposits of the failed bank, First Tennessee Bank, National Association agreed to purchase essentially all of the failed bank's assets.

The FDIC estimates that cost to the Deposit Insurance Fund will be $33.5 million. Compared to other alternatives, First Tennessee Bank, National Association's acquisition was the least costly resolution for the FDIC's DIF.

1st Commerce Bank, North Las Vegas, Nevada, was closed with the FDIC becoming the receiver. To protect depositors, the FDIC entered into a purchase and assumption agreement with Plaza Bank, Irvine, California, to assume all of the deposits of 1st Commerce Bank. Deposits will continue to be insured by the FDIC.

Founded October 18, 2006 the bank had five full time employees. In year-end 2008 there were 15 full time employees. It never made a year-end net profit from the very beginning and in 2010 had a negative equity of $175,000.

1st commerce Bank was part of Capitol Bancorp, Lansing, Michigan, reportedly at one time owned 60 banks, many in trouble, and according to Las Vegas Review-Journal, was seeking to sell its two banks in Nevada: Bank of Las Vegas and 1st Commerce Bank in Nevada.

In 2009, Capital Bancorp owned four community banks in Nevada, agreeing to sell 1st commerce for $8.25 million, but it did not go through. July 13, 2010 the FDIC said 1st Commerce "...must increase its capital, hire a consultant on top managers and change lending practices under an amended regulatory order."

In October, 2010 attorney Jason Awad announced he was going to be buying 1st Commerce from Capital Bancorp.

The end of 2012 Capital Bancorp was still trying to merge or sell off 1st Commercial Bank. At the time, Capital Bancorp owned 12 banks in nine states. The president and CEO of Bank of Las Vegas told the Las Vegas Review-Journal 1st Commercial Bank "...too small to be profitable.”

“'It’s not doing a lot, (except) servicing what it has,” he said. “It was the fifth bank we chartered here. Our long-term plan is to merge it with Bank of Las Vegas.

"'Our long-term plan is to merge it with Bank of Las Vegas.'

"Atkinson said Capital Bancorp has inquired whether regulators would approve the merger but held off moving forward. He said now was the time to reconsider seeking approval to merge.

"It wouldn’t be the first time Capital Bancorp has merged local banks. In January 2010, the recession forced Capital Bancorp to merge Desert Community Bank, Red Rock Community Bank and Black Mountain Community Bank into Bank of Las Vegas.

"Capital Bancorp opened 1st Commerce Bank in October 2006. Atkinson said the bank was affected by the recession and banking crisis, never allowing it to expand."

A view of the equity, year-end losses since opening, as well as non-current loans show why the bank was never merged or any purchase finalized.

(in millions, unless otherwise)

Net Equity
2006 $7.5
2007 $7.0
2008 $5.8
2009 $2.8
2010 -$175,000
2011 $730,000
2012 $454,000
03/31 $528,000

2006 -$432,000
2007 -$578,000
2008 -$1.1
2009 -$3.0
2010 -$4.5
2011 -$2.6
2012 -$595,000
03/31 $74,000

Non-Current Loans
2006 0
2007 0
2008 $1.0
2009 $7.5
2010 $5.3
2011 $4.0
2012 $1.3
03/31 $1.3

Charge Offs
2006 0
2007 0
2008 $679,000 ($679,000 commercial/industrial)
2009 $233,000 ($147,000 1-4 family, $77,000 nonfarm/nonres, $9,000 individuals.)
2010 $3.8 ($1.9 nonfarm/nonres,$1.2 commercial/ind., $630,000 construction/development,$32,000 individuals)
2011 $632,000 ($425,000, $301,000, -94,000 commercial/industrial)
2012 $472,000 ($609,000 nonfarm/nonres., -$142,000 commercial/industrial.)
03/31 -$15,000 (-$14,000 commercial/industrial, -$1,000 nonfarm/nonres.)

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

March 31, 2013: Tier 1 risk-based capital ratio: 3.46%

As of March 31, 2013, 1st Commerce Bank had approximately $20.2 million in total assets and $19.6 million in total deposits. In addition to assuming all of the deposits of the failed bank, Plaza Bank agreed to purchase essentially all of the failed bank's assets.

The FDIC and Plaza Bank entered into a loss-share transaction on $12.2 million of 1st Commerce Bank's assets. Plaza Bank will share in the losses on the asset pools covered under the loss-share agreement. The loss-share transaction is projected to maximize returns on the assets covered by keeping them in the private sector.

The FDIC estimates that cost to the Deposit Insurance Fund will be $9.4 million.

List of Bank Failures:

Bank Beat:




SNL's Top 50 European Big Bank List
by Saad Sarfraz, SNL Financial

Our pro forma 2012 ranking of the largest banks in Europe (which includes recent and pending European acquisitions), in fact, shows three banks posting more than €2 trillion in total assets, compared to one such bank in our 2011 ranking.

HSBC Holdings Plc climbed two notches in our new ranking to become the largest bank in Europe. The bank had €2.041 trillion in total assets as of May 17; it was also the top position holder on SNL's market capitalization ranking as of Dec. 31, 2012.

In the course of 12 months, Deutsche Bank AG slipped one notch from first place with €2.022 trillion in assets. Crédit Agricole Group, meanwhile, moved up one notch to third place, with total assets of approximately €2.008 trillion.

Among the banks that also appeared in the previous ranking, five showed year-over-year double-digit declines in assets in the latest analysis.

Hypo Real Estate Holding AG shrank 28.6%, ING Bank NV 13%, KBC Group NV 11.7%, Credit Suisse Group AG 11.3% and UBS AG 10.6%.

In contrast, OAO Sberbank of Russia climbed nine notches in the ranking, recording year-over-year asset growth of 44%, thanks in large part to favorable market conditions at home and acquisitions abroad.

One bank that would have made our list is National Bank of Greece SA. The bank's acquisition of Eurobank Ergasias SA would have added €71.3 billion in assets, but the deal hit a speed bump when Greek regulators suspended the process to allow the banks to recapitalize separately.

National Bank of Greece responded in April with plans to issue €1.9 billion through contingent convertible bonds and a rights offering to raise €9.75 billion. A few weeks later, in May, the bank also snapped up the healthy assets and liabilities of First Business Bank AE, resulting in €1.5 billion in assets.

Consolidation was a big theme in many countries, particularly Spain, which has continued its deal making into 2013.

A case in point: La Caixa's acquisition of Banco de Valencia SA, which added €21.5 billion in assets. Then there was Banco Santander SA, which boosted its assets by close to €10.6 billion after acquiring Kredyt Bank SA from KBC Bank NV.

And more M&A appears to be on the way. Banco de Sabadell SA looks set to acquire Banco Gallego SA as well as the Spanish retail banking operations of Lloyds TSB Bank Plc. The two deals combined are expected to add nearly €6 billion in assets to Sabadell's balance sheet.


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

Community Banks in Western States Grow Stronger
Agricultural Banks Performing Well

DENVER — Community banks and thrifts in the western part of the United States are growing stronger as housing, commercial real estate, agriculture and other key business sectors in that region continue to improve, officials from the Office of the Comptroller of the Currency (OCC) reported.

Kay Kowitt
Deputy Comptroller
Western District

“The OCC is seeing positive changes in commercial real estate, the number of problem community banks is down and continues to fall compared with last year, and the housing market continues to improve,” said Kay Kowitt, the OCC’s Western District Deputy Comptroller.

The OCC conducts a quarterly analysis of community banks based on financial data from the Consolidated Reports of Condition and Income, also known as Call Reports. In addition, the OCC gathers information about market conditions and industry health from the 15 locally based Assistant Deputy Comptrollers in the Western District. The analysis identifies current and potential risks facing the district’s national banks and federal savings associations and assists these institutions in proactively identifying and managing potential risks.

Significant themes and risks in the current economic environment are:

Approximately 77 percent of district banks are highly rated, 1 and 2 category banks as of the end of the first quarter 2013, up from the low point of 64 percent in the latter half of 2010.

Most financial performance metrics stabilized or improved modestly over the past two years. Earnings have improved, largely because of reduced provisioning expenses, and capital levels are satisfactory overall.

Although asset quality has improved, commercial credit continues to present the highest risk to bank earnings. While credit metrics show improving trends, they are still weak relative to historical performance.

Most banks have ample sources of liquidity and moderate interest rate risk.

The level of deposits in banks remains high. This includes demand deposit accounts and money market savings.

Agricultural banks supervised by OCC’s Western District are performing well. Currently, one third of banks have agricultural loan concentrations exceeding 100 percent of capital. Examinations in these banks indicate that underwriting remain sounds. Commodity and farmland prices remain high in many areas. Crop insurance mitigated the effect of recent drought conditions, and farm profits remain healthy. At the same time, there are risks to take into account in the current economic environment. Primary threats to farm profits and land values include rising interest rates, decreasing commodity prices, increasing input costs, continuing drought conditions, and changing government support programs.

“If there is one message the OCC wants to deliver to the agriculture-focused banks, it’s to prepare now during good times for potential downturns in the future,” said Ms. Kowitt. “By preparing now, the banks will be better positioned to help their customers in times of stress.”

The OCC explained further that strategic risk is a concern as community banks need to define and implement strategies that allow them to thrive in the face of lingering credit stress, historically low margins, competitive pressures, and uncertainty about regulatory changes. Additionally, while credit risk is stable to declining, earnings are under increased pressure at community banks because of modest loan demand and lack of risk appropriate higher-yield investment alternatives.

These factors have substantially increased strategic vulnerability as community banks seek to bolster income through new products and services, expansion of business lines and cost reductions, especially in critically important control functions such as audit and compliance.

Western District Fact Sheet:

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




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


Small business financial services company, National Funding, announces its appointment of Bob Sweeney as Chief Financial Officer. Sweeney has served in the financial services industry for 27 years.

San Diego, Calif. -- National Funding, a small business financial services company, has appointed Bob Sweeney Chief Financial Officer. With 27 years in the financial service industry, Sweeney is recognized as a valuable corporate leader for the continued growth and success of National Funding.

Bob Sweeny, CFO

As National Funding’s CFO, Sweeney is responsible for all accounting and financial matters of the company. Reporting directly to CEO, David Gilbert, Sweeney oversees the capital structure of National Funding, determining the best mix of debt, equity and internal financing. As a member of the executive team, he plays a key role in the company’s economic forecasting in order to ensure National Funding’s solid financial foundation.

Sweeney brings years of financial management experience to his position at National Funding. He has served as CFO, controller and global analyst positions for large and small companies, both public and private. Some of the companies Sweeney has held financial positions with are Citicorp Equipment Finance, Sequa Capital Corp., Rockford Industries/ American Express Business Finance to name a few.

Sweeney received his B.B.A. in Accounting and M.B.A. in Management Information Systems from Iona College in New Rochelle, New York.

David Gilbert, CEO

“As CFO, Bob brings a wealth of experience to National Funding. His knowledge and expertise in the financial services industry is integral for our expansion efforts,” said CEO David Gilbert. “Bob’s managerial, analytical and financial experience makes him an ideal leader to head up our finance department and is paramount to our continued success.”

“I’m very excited to be part of National Funding,” said CFO Bob Sweeney. “David Gilbert has built a top-notch company, and I’m looking forward to contributing to our growth and success.”

National Funding serves the small business community nationwide by offering a range of financial services and products. The company is a leader in providing equipment leases and working capital loans. It works with businesses in hundreds of communities and industries to expand their operation and upgrade equipment. Every customer is matched with a National Funding account manager who has specific knowledge about their specific industry. Whether it’s trucking, manufacturing, any number of specialty trades, or restaurants, the company handles all the details, minimizing paperwork and waiting period on transactions. As the company has grown, so has its product line. Currently National Funding is considered one of the country’s largest private lenders of small business loans. Customers are able to get working capital loans, equipment leases, merchant cash advances, and credit card processing.

For more information about National Funding, visit

About National Funding
National Funding, formerly FPC, is a full service financial services company for small to medium-sized businesses nationwide. It provides working capital loans, equipment leases, merchant cash advances and credit card processing. National Funding serves a wide diversity of businesses including, but not limited to: trucking, restaurants, automotive repair, construction, excavation, multimedia, manufacturing, telecommunications, printing, packaging, waste management, and more. Visit

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



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

Orange County Business Owner Pleads Guilty
to Federal Tax and Structuring Violations

Los Angeles - The owner and president of a general contracting business in Orange County pleaded guilty this afternoon to cashing customer checks totaling approximately $2 million and failing to report the receipt of these payments on his income tax returns.

Jeremy Scott Levine, 41, of Newport Beach-owner and president of JSL Construction and Landscaping ("JSL"), a general contracting business in Newport Beach-pleaded guilty to one count of subscribing to a false tax return for the 2010 tax year and one count of structuring a cash transaction.

According to the plea agreement, for the 2006 through 2010 tax years, Levine failed to report all of the business receipts of JSL on the individual and corporate income tax returns filed by Levine by cashing checks received from customers in payment for remodeling, construction, and landscape services provided by JSL.

Beginning in 2006, Levine directed numerous JSL customers to pay for some of the services provided by JSL by writing checks payable to Levine, individually, rather than writing a check payable to JSL. During the years 2006 through 2010, Levine cashed JSL customer checks, totaling approximately $2 million, and received currency in exchange for the checks.

For the years 2006, 2007, 2008 and 2009, Levine failed to report income in the amounts of $293,977, $451,550, $336,550, and $416,830, respectively. Levine's failure to report all of his income on the tax returns he filed for the years 2006 through 2010 resulted in a tax due and owing to the government of approximately $300,000.

In addition to subscribing to a false income tax return, Levine pleaded guilty to cashing checks of less than $10,000 to evade federal reporting requirements. Levine admitted that in June of 2010, he cashed two JSL customer checks in the amounts of $9,500 and $7,325 at two different bank branches, and on the following day he cashed a JSL customer check in the amount of $9,500. The transactions were purposely structured to evade the federal reporting requirements requiring a financial institution to report cash transactions in an amount that exceeds $10,000.

As a result of today's guilty plea, Levine faces a statutory maximum sentence of eight years in federal prison and a fine of $500,000 when he is sentenced on October 28, 2013 by United States District Judge Margaret M. Morrow.

The investigation and prosecution of Levine was conducted by IRS-Criminal Investigation's Los Angeles Field Office, in conjunction with the United States Attorney's Office for the Central District of California.

#### 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)


Top Stories June 3-June 6
(You May Have Missed)

Here are the top stories opened by readers:

(1) Flexpoint Announces the Sale of Financial Pacific Leasing
to Umpqua Holdings Corporation
By Christopher “Kit” Menkin

(2) Lease Police Alerts
---Two Indicted in Colorado

(3) IFC Credit--Rudy Trebels

(4) Dallin Hawkins, Integrity Finance Groups, Arrested

(5) Lesson Not Learned in 49 States
by Bernie Boettigheimer, CLP, President, Lease Police

(6) Umpqua and Harris $30 Million Funding for Allegiant

(7) Balboa Capital Expands Point-of-Use Water
Equipment Vendor Financing Division

(Tie)(8) HL Leasing, Fresno, Palm Desert, California

(Tie) (8) NorVergence

(9) Cobra Capital Joins Funder, Story Credit,
Funder Looking for New Broker business Lists

(Tie) (10) Placard---Compliments of Paul Menzel, CLP

(Tie) (10) Update IFC Credit--Rudy Trebels


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)


Border Collie/Mix
Englewood, Colorado Adopt-a-Dog


Animal ID 19773247
Breed Border Collie/Mix
Age: 8 months 11 days
Sex: Female
Size: Medium
Color: Black
Declawed: No
Housetrained: Unknown

Site: Colorado Canine Rescue
Location: Foster home
Intake Date 4/30/2013


Contact Us:

Web Site:

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

Adopt a Pet





News Briefs----

Capital One Raids SunTrust to Beef Up Leasing Unit
see New Hires:

ICBA Concerned w/Freddie Mac Low-Volume Fees for Small Lenders

European Bank Assets in Spotlight/SNL: Free Report

Brooke Astor's elderly son heading to the slammer after judge denies appeal

Warren Buffett lunch auction winner pays $1,000,100

Amazon to start grocery deliveries in Los Angeles

Apple unveils music streaming service

McDonald's says cheap eats helped lift sales




---You May Have Missed

10 Surprising Foods that Pack on the Pounds



SparkPeople--Live Healthier and Longer

SparkPeople--Live Healthier and Longer

How to Meet Your Protein Needs without Meat
A Guide to Vegetarian Protein Sources




Baseball Poem

1933, Reagan's voice carried him to Des Moines and WOC's larger sister station, WHO. Broadcasting over a new 50,000-watt clear-channel station that carried throughout the Midwest, Reagan became a well-known sports announcer whose specialty was creating play-by-play accounts of Chicago Cubs baseball games that the station received by wire.





     Gene Autry poem by Jack Buck


This is from a poem written by the famous radio announcer Jack Buck, the voice of the St. Louis Cardinals for over 50 years.  This was written for Gene Autry's 83rd Birthday Party in 1990. There are many similarities to Ronald Reagan:


The Last Cowboy


As America grew

and headed west,

Gene Autry was there

and he was the best.


He tapped telegraph keys

then starred on the screen,

the greatest Saturday star

young eyes had seen.


He wore a white hat

and the kids always knew

he'd do the right thing

they wanted him to.


He could shoot at a target

and invariably hit it

while jumping a river,

and he sand as he did it.


He crooned "South of the Border"

and sang on Christmas morn,

the most glamorous cowboy

ever born.


His ride through life

is matched by no other,

a business tycoon,

yet everyone's brother.


He has enjoyed life to the fullest

and made our lives richer,

but he'd have traded it all

for a World Series pitcher.


We salute him today

and we'll love him tomorrow,

the last cowboy's life

was ours to borrow.


Little did he know

when he named his horse,

he was describing himself-

Champion, or course!




Sports Briefs----

Tebow to sign with Patriots


California Nuts Briefs---


Jerry Brown, lawmakers reach budget deal


“Gimme that Wine”

Do Wine Franchise Laws Impact Wine Price and Consumer Choice?

Two winery projects get county approvals

Pindar Vineyards plans to sell estate for $65mm

Got wine grapes?

Feds approve nutrition labels for wine

Free Mobile Wine Program

Wine Prices by vintage

US/International Wine Events

Winery Atlas\

Leasing News Wine & Spirits Page


This Day in History

     1517 - Sir Thomas Pert reached Hudson Bay.
    1742 -- Benjamin Franklin invents his Franklin stove. The new stove and reconfiguration of the flues allowed for a more efficient fire, one that used one quarter as much wood and generated twice as much heat. When offered a patent for the fireplace's design, Benjamin Franklin turned it down. He did not want to make a profit. He wanted all people to benefit from his invention.
    1769- Birthday of Anne Newport Royall, a celebrated figure in the Jackson Era and for a decade or so after. She wrote several "travel books" -- accounts of places and encounters with famous, unknown and infamous people. Often shrill and relentless in her criticisms. Many, if not all, of her books were published "for the author", and as she went around the country collecting interviews, and notes on whatever she saw, she collected subscriptions for forthcoming books, and sold already published books out of a trunk she always brought with her. Her first book, Sketches of History, Life, and Manners, in the United States, "by a traveler", was published in 1826, printed in New Haven, CT. This, and a series called the Black Book, vols 1, 2, and 3, sold well, and made Anne Royall widely known over the next few years. She was born in Baltimore, but spent her early years (til about age 13), in extreme poverty, on what was then the edge of the frontier -- western Pennsylvania. Savage raids by British and Tory-led Indians led Anne Royall's mother to flee back east, along with other settlers. On May 4, 1798, Anne married William Royall. She had been living in his house for ten years, and rumors would follow her that they had been on intimate terms for some years before the marriage. Anne was 28 then, and the Major was in his middle 50s.

    1776 - A committee to draft the document of Independence met. John Adams, Benjamin Franklin, Robert Livingston, Roger Sherman and Thomas Jefferson were the members. They immediately delegated the writing to Adams and Jefferson, and Adams gave it over to Jefferson.
    1829 --The Book of Mormon is published. Joseph Smith claims to have translated it from "Reformed Egyptian" with the aid of the angel Moroni & 2 magic stones (Urim & Thummim).
    1832- Lucy Pickens birthday; noted Confederate hostess whose likeness was engraved on the $100 bill of the Confederacy. Lucy Pickens was the first woman to appear on the Confederate Note, and the first woman to appear on a US Note was Martha Washington on the 1886-91 One Dollar Silver Certificate.
    1842 - A late season snowstorm struck New England. Snow fell during the morning and early afternoon, accumulating to a depth of ten to twelve inches at Irasburg, VT. Berlin NH was blanketed with eleven inches of snow during the day. Snow whitened the higher peaks of the Appalachians as far south as Maryland.
    1854-In less than four hours, the First San Francisco Vigilance Committee tries, convicts, & hangs their first victim, John Jenks, for stealing a safe in San Francisco, California.
    1859 - Comstock silver load was discovered near Virginia City, Nevada. Prospector James Finney stumbled across thick, bluish clay in western Nevada. A fellow minor, Henry Comstock, gave his name to the lode, the most lucrative silver ore mine in history. Ott’s Assay Office in Nevada City, Ca., first assayed samples of the rich Comstock Lode of Nevada. Four Irishmen known as the Bonanza Kings bought up shares in the Comstack mines and became rich. They were John Mackay, James Fair, James Flood, and William O’Brian. Ore from the Comstock lode was hauled by horse-drawn wagon over Donner Pass to SF.
    1862 - C.S.S. Virginia blown up by her crew off Craney Island to avoid capture. The fall of Norfolk to Union forces denied Virginia her base, and when it was discovered that she drew too much water to be brought up the James River, Flag Officer Tattnall ordered the celebrated ironclad's destruction. "Thus perished the Virginia," Tattnall wrote, "and with her many high-flown hopes of naval supremacy and success." For the Union, the end of Virginia not only removed the formidable threat to the large base at Fort Monroe, but gave Flag Officer Gold borough’s fleet free passage up the James River as far as Drewry's Bluff, a factor which was to save the Peninsular Campaign from probable disaster.
    1877 - The temperature at Los Angeles, CA, reached 112 degrees during a heat wave. It would have been the all-time record for Los Angeles but official records did not begin until twenty days later.
    1880- Birthday of Jeannette Rankin, first woman elected to the US Congress, a reformer, feminist and pacifist, was born at Missoula, MT. She was the only member of Congress to vote against a declaration of war against Japan in December 1941. Died May 18, 1973, at Carmel, CA.
    1883- Charlotte Eugenia Hawkins Brown birthday; first Black woman honored by North Carolina with a state historic site. Her Palmer Memorial Institute at Sedalia, a school for Black children, taught not only academics but manners, morals, and ethics.
    1895 -- Charles E. Duryea receives the first U.S. patent granted to an American inventor for a gasoline-driven automobile.
    1899--Birthday of American composer George Frederick McKay,born, Harrington, WA.
Died October, 1970,Stateline, NV. At one point in the 1950’s possibly the most published of serious American composers, McKay’s works include 70 orchestra pieces, several string quartets, many published band works, and a great variety of chamber works, including national prize-winning pieces in the area of harp, piano, and woodwinds. Identified closely with the use of multi-cultural folk themes, including Native American songs and dances. Author of books on Orchestration and Harmony
    1904-Singer-pianist Pinetop Smith, born Troy, Alabama. One of my fathers favorites as he had a collection of 78’s he would play all the time, along with folksingers “Leadbelly” and Pete Seeger, among others, including classical music. Some of the things I remember most about my father was his cigar smoking, poker playing, discussions about writers and plots, and sitting with him when I was four years old ( and older ) and listening to his music. My father and I were very close. When I hear music like Pinetop Smith, I always think of him
    1910- Jacques Cousteau was born, French undersea explorer, writer and filmmaker born at St. Andre-de-Cubzac, France. He invented the Aqualung, which allowed him and his colleagues to produce more than 80 documentary films about undersea life, two of which won Oscars. This scientist and explorer was awarded the French Legion of Honor for his work in the Resistance in WWII. He died June 25, 1997, at Paris, France.
    1913- Vincent Thomas (Vince) Lombardi, Pro Football Hall of Fame coach, born at New York, NY. Lombardi played football for Fordham’s famed “Seven Blocks of Granite” line in the mid-1930s, became a teacher and began to coach high school football. He became offensive line coach at West Point in 1949 and moved to the New York Giants in 1954. Five years later, he was named head coach of the Green Bay Packers. His Packers won five NFL titles and two Super Bowls in nine years, and Lombardi was generally regarded as the greatest coach and the finest motivator in pro football history. He retired in 1968, but was lured back into coaching the Washington Redskins a year later. Inducted into the Pro Football hall of Fame in 1971. Died at Washington, DC, Sept 3, 1970.
    1913--In the Philippines, US Gen."Black Jack" Pershing orders an attack on the Moros in Bud Bagsak, who refused to pay taxes to the Philippine government.500 Moro built a stone fort during the first months of 1913, at Bud Bagsak. Today the American military attacked. John Browning, inventor of the Colt 0.45 pistol tested his new pistol here. After four days, armed mostly with kris, barongs, spears & few guns, every warrior, woman, & child fell.
    1919- Sir Barton, a three year old, became the first horse to win the Triple Crown at the Belmont Stakes, Elmont Park, NY. The rider in all three races was J.Loftus, making him the first jockey to win the Triple Crown. Sir Barton pulled away from the only two other horses in the race coming down the stretch and won the 1-3/8th mile race in 2:17.2, an American record.
    1920-birday of pianist/organist Hazel Scott, Port of Spain, Trinidad
    1920—Birthday of jazz drummer Shelly Manne , who had his own jazz club, played at the Lighthouse in Hermosa Beach, and made the great album with Andrew Previn and crew: “My Fair Lady.”
A remarkable, entertaining drummer in the 1950’s and 1960’s.
    1922 -- Robert Flaherty's silent documentary "Nanook of the North" opens.
    1925-Birthday of American author William Styron Newport News, Virginia. Wrote Sophie's Choice, Confusions of Nat Turner, among others, including many important essays. He died on November 1st, 2006. He was 81 years old.
    1927-“Lucky” Lindbergh receives the first “Distinguished Flying Cross.”
    1926 -- First 40-hour work week in the country, won by NY fur workers.
    1927 Babe Ruth hits 19th & 20th of 60 Home Runs
    1929-birthday of alto sax player Lennie Niehaus, St. Louis, Mo.
    1934--Birthday of James (Pookie) Hudson, lead singer of the 1950's doo-wop group, the Spaniels.
    1937-Birthday of Amalya Lyle Kearse - U.S. attorney, judge of the U.S. Court of Appeals (2nd Cir.) 1979-, champion bridge player, and writer about bridge.
    1938-Johnny Vander Meer of the Cincinnati Reds pitched a no-hitter against the Boston Braves, winning 2-0. Vander Meer returned to the mound four days later and no-hit the Brooklyn Dodgers, 6-0, to complete the only consecutive no-hitter in baseball history.
    1939- Birthday of country singer Wilma Burgess; and jazz-rock drummer Bernard (Pretty) Purdie.
    1940-birthday of singer Joey Dee ( Joseph H. Dinicola ), Passaic, NY. He rose to fame as part of the twist craze in the early 1960's, was born in Passaic, New Jersey. He and his band, the Starlighters, gyrated to the top of the charts in 1961 with "Peppermint Twist." It was a tribute to the Peppermint Lounge, a small New York club frequented by the city's socialites. Three members of the Starlighters - Felix Cavaliere, Gene Cornish and Eddie Brigati - later were part of the Young Rascals. And Jimi Hendrix is said to have played briefly with the Starlighters in 1966. 
    1942 - No. 1 Billboard Pop Hit: ``Tangerine,'' Jimmy Dorsey Orchestra.
    1943- The Northwest African Air Forces of the Anglo-American Command won the first land victory without infantry after dropping 6,200 tons of bombs in more than 5,000 sorties on the Italian fortress on the island of Pantelleria in the Mediterranean Sea, 70 miles southwest of Sicily, changing forever the use of air power in determining military victory.
    1944- Five days after the D-Day landing, the five Allied landing groups, made up of some 330'000 troops, link up in Normandy to form a single solid front across northwestern France. On 06 June 1944, after a year of meticulous planning conducted in complete secrecy by a joint Anglo-American staff, the largest combined sea, air, and land military operation in history began on the French coast in the Baie de la Seine. The Allied invasion force included three million men, 13'000 aircraft, 1200 warships, 2700 merchant ships, and 2500 landing craft. There were five Allied landing sites at Normandy, and by the evening of the first day, some 150'000 US, British, and Canadian troops were ashore, and the Allies held about two hundred square kilometers.
    1944--*COLE, ROBERT G. Medal of Honor
Rank and organization: Lieutenant Colonel, U.S. Army, 101st Airborne Division. Place and date: Near Carentan, France, 11 June 1944. Entered service at: San Antonio, Tex. Birth: Fort Sam Houston, Tex. G.O. No.: 79, 4 October 1944. Citation: For gallantry and intrepidity at the risk of his own life, above and beyond the call of duty on 11 June 1944, in France. Lt. Col. Cole was personally leading his battalion in forcing the last 4 bridges on the road to Carentan when his entire unit was suddenly pinned to the ground by intense and withering enemy rifle, machinegun, mortar, and artillery fire placed upon them from well-prepared and heavily fortified positions within 150 yards of the foremost elements. After the devastating and unceasing enemy fire had for over 1 hour prevented any move and inflicted numerous casualties, Lt. Col. Cole, observing this almost hopeless situation, courageously issued orders to assault the enemy positions with fixed bayonets. With utter disregard for his own safety and completely ignoring the enemy fire, he rose to his feet in front of his battalion and with drawn pistol shouted to his men to follow him in the assault. Catching up a fallen man's rifle and bayonet, he charged on and led the remnants of his battalion across the bullet-swept open ground and into the enemy position. His heroic and valiant action in so inspiring his men resulted in the complete establishment of our bridgehead across the Douve River. The cool fearlessness, personal bravery, and outstanding leadership displayed by Lt. Col. Cole reflect great credit upon himself and are worthy of the highest praise in the military service.
    1945--McCOOL, RICHARD MILES, Medal of Honor
Rank and organization: Lieutenant, U.S. Navy, U.S.S. LSC(L)(3) 122. Place and date: Off Okinawa, 10 and 11 June 1945. Entered service at: Oklahoma. Born: 4 January 1922, Tishomingo, Okla. Citation: For conspicuous gallantry and intrepidity at the risk of his life above and beyond the call of duty as commanding officer of the U.S.S. LSC(L)(3) 122 during operations against enemy Japanese forces in the Ryukyu chain, 10 and 11 June 1945. Sharply vigilant during hostile air raids against Allied ships on radar picket duty off Okinawa on 10 June, Lt. McCool aided materially in evacuating all survivors from a sinking destroyer which had sustained mortal damage under the devastating attacks. When his own craft was attacked simultaneously by 2 of the enemy's suicide squadron early in the evening of 11 June, he instantly hurled the full power of his gun batteries against the plunging aircraft, shooting down the first and damaging the second before it crashed his station in the conning tower and engulfed the immediate area in a mass of flames. Although suffering from shrapnel wounds and painful burns, he rallied his concussion-shocked crew and initiated vigorous firefighting measures and then proceeded to the rescue of several trapped in a blazing compartment, subsequently carrying 1 man to safety despite the excruciating pain of additional severe burns. Unmindful of all personal danger, he continued his efforts without respite until aid arrived from other ships and he was evacuated. By his staunch leadership, capable direction, and indomitable determination throughout the crisis, Lt. McCool saved the lives of many who otherwise might have perished and contributed materially to the saving of his ship for further combat service. His valiant spirit of self-sacrifice in the face of extreme peril sustains and enhances the highest traditions of the U.S. Naval Service.
    1949- Hank Williams made his debut on the Grand Ole Opry. His performance, with the audience demanding several encores of "Lovesick Blues," is still considered one of the Opry's greatest moments. The success of his recording of that song had led to the Opry contract, and he remained with the show until August 1952, when he was fired for perpetual drunkenness. Williams died on New Year's Day 1953 of a heart attack brought on by excessive drinking.
    1949- Drummer Frank Beard of the group ZZ Top. Incidentally, Beard is only unbearded member of 'The Top'.
    1949-- Hank Williams made his debut on the Grand Ole Opry. His performance, with the audience demanding several encores of "Lovesick Blues," is still considered one of the Opry's greatest moments. The success of his recording of that song had led to the Opry contract, and he remained with the show until August 1952, when he was fired for perpetual drunkenness. Williams died on New Year's Day 1953 of a heart attack brought on by excessive drinking.
    1950---Birthday of American composer David da Silva, California.
    1953-MIZE, OLA L. Medal of Honor
Rank and organization: Master Sergeant (then Sgt.), U.S. Army, Company K, 15th Infantry Regiment, 3d Infantry Division. Place and date: Near Surang-ni, Korea, 10 to 11 June 1953. Entered service at: Gadsden, Ala. Born: 28 August 1931, Marshall County, Ala. G.O. No.: 70, 24 September 1954. Citation: M/Sgt. Mize, a member of Company K, distinguished himself by conspicuous gallantry and outstanding courage above and beyond the call of duty in action against the enemy. Company K was committed to the defense of "Outpost Harry", a strategically valuable position, when the enemy launched a heavy attack. Learning that a comrade on a friendly listening post had been wounded he moved through the intense barrage, accompanied by a medical aid man, and rescued the wounded soldier. On returning to the main position he established an effective defense system and inflicted heavy casualties against attacks from determined enemy assault forces which had penetrated into trenches within the outpost area. During his fearless actions he was blown down by artillery and grenade blasts 3 times but each time he dauntlessly returned to his position, tenaciously fighting and successfully repelling hostile attacks. When enemy onslaughts ceased he took his few men and moved from bunker to bunker, firing through apertures and throwing grenades at the foe, neutralizing their positions. When an enemy soldier stepped out behind a comrade, prepared to fire, M/Sgt. Mize killed him, saving the life of his fellow soldier. After rejoining the platoon, moving from man to man, distributing ammunition, and shouting words of encouragement he observed a friendly machine gun position overrun. He immediately fought his way to the position, killing 10 of the enemy and dispersing the remainder. Fighting back to the command post, and finding several friendly wounded there, he took a position to protect them. Later, securing a radio, he directed friendly artillery fire upon the attacking enemy's routes of approach. At dawn he helped regroup for a counterattack which successfully drove the enemy from the outpost. M/Sgt. Mize's valorous conduct and unflinching courage reflect lasting glory upon himself and uphold the noble traditions of the military service.
    1954---Top Hits
Little Things Mean a Lot - Kitty Kallen
Three Coins in the Fountain - The Four Aces
If You Love Me (Really Love Me) - Kay Starr
(Oh Baby Mine) I Get So Lonely - Johnnie & Jack
    1956- Joseph Clifford (Joe) Montana, Jr Birthday, born New Eagle, PA.
    1959 -Postmaster General bans D.H. Lawrence's book, Lady Chatterley's Lover
    1961 - Roy Orbison was wrapping up a week at number one on the "Billboard" record chart with "Running Scared", his first number one hit. Orbison recorded 23 hits for the pop charts, but only one other song made it to number one: "Oh Pretty Woman" in 1964. He came close with a number two effort, "Crying", number four with "Dream Baby" and number five with "Mean Woman Blues". Orbison was inducted into the Rock and Roll Hall of Fame in 1987; but suffered a fatal heart attack just one year later.
    1961-Roger Maris hits 19th & 20th of 61 Home Runs
    1962---Top Hits
I Can’t Stop Loving You - Ray Charles
Lovers Who Wander - Dion
(The Man Who Shot) Liberty Valance - Gene Pitney
She Thinks I Still Care - George Jones
    1963 -Gov Wallace tries to prevent blacks registering at U of Alabama 
    1963-President John F. Kennedy says segregation is morally wrong and that it is "time to act.”
    1963 -- Dr. Martin Luther King, Jr. is arrested in Florida for trying to integrate restaurants. 
    1965 - No. 1 Billboard Pop Hit: ``Back in My Arms Again,'' The Supremes.
    1966 - Janis Joplin made her first onstage appearance -- at the Avalon ballroom here in San Francisco. She began her professional career at the age of 23 with Big Brother and The Holding Company. The group was a sensation at the Monterey Pop Festival in 1967. "Piece of My Heart" was the only hit to chart for the group in 1968. Big Brother and The Holding Company disbanded in 1972, though Joplin continued in a solo career with hits such as "Down on Me" and "Me and Bobby McGee". Janis ‘Pearl’ Joplin died of a heroin overdose in Hollywood in October, 1970. The movie "The Rose", starring Bette Midler, was inspired by the life of the rock star. In reality, she was high all the time on Southern Comfort and whatever.
    1966-The Rolling Stones had the top song in the US with "Paint It Black", the first #1 Pop single to feature a sitar on the recording. 
    1969-“Space Oddity”, a single recorded by David Bowie was released to coincide with Apollo II’s trip to the moon, during which Neil Armstrong and Edwin Aldrin,Jr., landed and walked on the surface of the moon.
    1970---Top Hits
Everything is Beautiful - Ray Stevens
Which Way You Goin’ Billy? - The Poppy Family
Up Around the Bend/Run Through the Jungle - Creedence Clearwater Revival
Hello Darlin’ - Conway Twitty
    1971-Nineteen-month occupation by Native American protesters of Alcatraz Island, in San Francisco Bay, ends.
    1972 - Hank Aaron of the Atlanta Braves tied (with Gil Hodges of the Giants) the National League record for the most grand-slam home runs in a career, with 14. The Braves beat the Philadelphia Phillies 15-3. 
    1972 - Heavy showers brought 1.64 inches of rain to Phoenix AZ, a record for the month of June.
    1972 -- The controversial 62-minute XXX-rated film, "Deep Throat", opens at the Mature World Theatre in New York City. Linda Lovelace starred, or, whatever...
    1976-Santana's ninth album, "Amigos", goes gold.
    1976-Wild Cherry's single "Play That Funky Music" is released.
    1977-Settle Slew, ridden by Jean Cruguet, became the 10th horse to win the Triple Corwn by triumphing in the Belmont Stakes. Slew led wire-to wire and defeated Run Dusty Run by four lengths.
    1978---Top Hits
You’re the One that I Want - John Travolta & Olivia Newton-John
Shadow Dancing - Andy Gibb
Feels So Good - Chuck Mangione
Georgia on My Mind - Willie Nelson
    1978- Salt Lake City, Utah, Joseph Freeman, Jr., became the first African-American to be ordained to the priesthood in the Latter Day Saints, Mormon religion.
    1979-- Chuck Berry pleaded guilty in Los Angeles to income tax evasion. The charge stemmed from a 1973 debt of $110,000. Berry began serving a four-month prison term in August at a federal prison in Lompoc, California.
    1981 - The first baseball player’s strike in major-league history began during mid-season after Seattle defeated Baltimore 8-2 at the Kingdome in Seattle. For two months, the nation’s favorite pastime was watching negotiations between the players’ union and team owners. 
    1982 - The movie "E.T.: The Extra-Terrestrial" opened. Steven Spielberg directed this classic. It dazzled audiences with state-of-the-art special effects and a touching, humorous, story line, grossing over $100 million in its first 31 days of theatrical release. 
    1985 - Von Hayes of the Philadelphia Phillies became the 21st player in major-league baseball history to hit a pair of home runs in one inning as he led the Phillies to a 26-7 cakewalk over the New York Mets. 
    1986---Top Hits
Live to Tell - Madonna
On My Own - Patti LaBelle & Michael McDonald
I Can’t Wait - Nu Shooz
Happy, Happy Birthday Baby - Ronnie Milsap
    1989 - Thunderstorms produced severe weather in the south central and southeastern U.S. during the day and night. Thunderstorms spawned eleven tornadoes, including one which tore the roof off a restaurant at Bee Branch, AR, injuring six persons. The tornado tossed one car into the restaurant and another car over it. Temperatures soared into the 90s across much of Florida. Lakeland reported a record high of 99 degrees for the second day in a row.
    1990 - UN appoints Olivia Newton-John environmental ambassador  
    1990- Nolan n pitches his 6th no-hitter beating Oakland, in the 9th he retires Ken Phelps, Rickey Henderson and Willie Randolph (all ex Yanks)
    1991- Microsoft releases MS DOS 5.0 
    1993- University of Alabama is desegregated. Facing federalized Alabama National Guard troops, Alabama Governor George Wallace ends his blockade of the University of Alabama in Tuscaloosa, and allows two Black students to enroll: Vivian Malone Jones and James A. Hood. In September of the same year, Wallace again attempted to block the desegregation of an Alabama public school — this time Tuskegee High School in Huntsville — but President Kennedy again employed his executive authority and federalized National Guard troops. On 10 September several Black students entered the public high school.
    1993 - U.S. audiences rumbled to theatres for a first look at Jurassic Park. The Steven Spielberg-directed dinosaur blockbuster billed a gigantic $47.06 million -- just for openers. 
    1993-The Ike and Tina Turner film biography "What's Love Got To Do With It", opens nationally.
    1995-IBM buys Lotus Development Corporation after a week of price negotiation. IBM had launched a hostile takeover attempt on 05 June 1995, and the two companies signed an agreement on June 11 to finalize the deal. Lotus had achieved great success with its spreadsheet, Lotus 1-2-3, and its enormously popular Lotus Notes software, which let workers on different computers collaborate on the same document. IBM's takeover of Lotus puts IBM head-to-head with Microsoft, which is about to launch a collaboration and networking software product called Microsoft Exchange. 
    1995-- Mark McGwire ties a major league record by hitting five homers in back-to-back games. Big Mac's three homers today in consecutive at-bats helps the A's defeat the Red Sox, 8-1.
    1996 - Republican Senator Bob Dole ended his Senate career (to make a run for the U.S. Presidency) with an emotional farewell speech before a packed Senate chamber. He had spent some 27 years as a U.S. Senator. His wit is often seen on television commercial these days and “60 Minutes” when he spars with ex-President Bill Clinton.
    1999 - "Austin Powers: The Spy Who Shagged Me" premiered at theatres across the U.S. Dr. Evil (played by Mike Myers) travels back to 1969 to steal Austin Powers’ (also played by Mike Myers) mojo. Powers (now “shagless”) must travel to ’69 to get his mojo back (can you dig it?). Big stars in the movie include the not-so-big Mini-Me (Verne Troyer), CIA agent Felicity Shagwell (Heather Graham), Basil Exposition (Michael York), Number Two (Robert Wagner), Young Number Two (Rob Lowe) and Fat Bastard (that Myers guy again). $54.92 mil the first weekend and grossed over $250 million. “Gold Member” was the third issue, and some consider, the best one to date. 
    2002—American Idol TV Premier. FOX’s phenomenally successful talent show as based on a British program. Talented singers compete for a major label record deal while being judged by a panel of highly critical music experts: Simon Cowell, Paula Abdul and Randy Jackson. The audience participates by phoning in votes for favorites. Ryan Seacrest hosts. The first “American Idol” was Kelly Clarkson, who has gone on to top charting success and Grammys.



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