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Leasing News is a web site that posts information, news, and
entertainment for the commercial bank, finance and leasing industry


Now Confirmed—Official Announcement in Wednesday’s Edition

Direct Capital Sold to CIT

As originally reported in the May 8, 2014 edition of Leasing News:

Leasing News is attempting to confirm that Direct Capital, and all of its assets/sub- businesses, including EquipmentEngine and Lendedge, have been sold to CIT in a deal brokered by Raymond James, St. Petersburg, Florida.

Leasing News has been told final diligence is taking place now; closing is expected in June. The Broom's, co-founders of Direct Capital, will maintain a minority share in the business.

Reportedly, CIT expects to dilute Direct Capital into their business operations. CIT's interest is driven by Direct's LendEdge platform. This allows CIT to gain Direct's customer/partner base which includes Apple, Ryder, eBay and major vendor brands. Purchase price has not yet been disclosed.

CIT for several years has been the most viewed web site, according to Leasing News searches, with Direct Capital, number two. Both have been at the leading edge. (1) Direct Capital has also been active in both technology for many years, as well as with mobile devices and working with eBay and its PayPal and Mobile Payment programs. This is an excellent entrance for CIT and brings more dynamics into the industry.

Top Five Leasing Company Web Sites—in North America



ELFA: May New Business Falls 14% 

The Equipment Leasing and Finance Association (ELFA) MFLI-25 Report shows May new business volume at $6.9 billion, following from its high of the year in April at $8 billion. 

The report echoes the Equipment Leasing & Finance Foundation Monthly Confidence Index that fell in June to 61.4. The May MCI-EFI was 65.4. 

Any comments on how business in May was for you, please send to

Full Report in Wednesday's LeasinCurrent Edition Followsg News.


#### Current Edition Follows ########## 


Monday, June 23, 2014

Today's Equipment Leasing Headlines

Dean Rubin Starts Ultimate Financing, Inc.
  No Longer at Axis Capital
    Classified Ads---Collections
  Leasing 102 by Mr. Terry Winders, CLP
Section 179 Passes House, Goes to Senate
Zombie Bank* in Iowa, Not Illinois really; Florida again!
    By Christopher Menkin
40 companies missed May TARP dividend payment
   SNL Financial Special Report
Business Loan and Lease Broker Pleads Guilty
  Obama Financial Fraud Enforcement Task Force
“Who Do I Address in My Cover Letter?”
   Career Crossroad---By Emily Fitzpatrick/RII
       Leasing Industry Ads---Help Wanted
Chart---More 23-Year Olds Than Any Other Age Group
   Labrador Retriever/Shepherd
    Grand Island, Nebraska  Adopt-a-Dog
Placard---Pessimist/Optimist/Sales Rep
  Increase Your Market Share
      By Linda Kester
News Briefs---
 Export-Import Bank a boon to trade-reliant state
  Next House Leader Says He Would Let Trade Bank Expire
   Charles Barsotti, Cartoonist with Humor Both Simple
   and Absurd, Dies at 80
    Changing the Course of Car Style: 1941 Chrysler Newport

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Top Ten Stories Chosen by Readers | Top Stories last six months (Be Careful of Doing Business)
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######## 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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Dean Rubin Starts Ultimate Financing, Inc.
No Longer at Axis Capital

Gordon Glade, President of Axis Capital, Grand Island, Nebraska, has confirmed Executive Vice President, Credit and Collections, Dean Rubin, responsible for credit, has left the company to start a company of his own.  He had no other comment to make at the time, except
they were now hiring; continuing to seek out direct sales personnel plus encourage third party originations; wanting to particularly expand their small ticket marketing.

Leasing News was informed by several readers that Rubin had left,
reportedly along with “two key credit women,” to start a company
called Ultimate Financing, Inc. (Not to be confused with a company with the same name headquartered in Roxas City, Philippines, or a loan company located in Huntington Beach, California.)

 “Prior to joining AXIS, Mr. Rubin was with GE Capital’s Tilden operation in Hauppauge for over five years. While there, he managed and originated a portfolio of loans totaling $525MM, as a Vice President/Senior Risk Analyst. Typically, Mr. Rubin focused on the origination of transactions in excess of $75M for rolling stock, machine tools and construction, printing, manufacturing and medical equipment. Mr. Rubin earned B.A. degrees in Business and Psychology from Dowling College, graduating in 1988 and an MBA from Dowling College in 1995. (1)

Axis Capital is in the small ticket, middle market, and large ticket direct funding, and according to those who send them business, was paying vendors quickly as well as commissions. In advertising, they stated they consider themselves A, B, C lenders for the small and mid-ticket markets.

2009 Company Summary:
“In the normal course of business AXIS originates leases from $500 to $3,000,000 with an average implicit yield ranging from the high single digits to the low 20’s. Since 1998, the Company has originated or acquired more than $500 million in leases including originations for $43.7 million for the first three quarters for 2009 and $79.2 million for the year ended December 31, 2008. The figure for 2009 includes $28.2 million of portfolio purchases which includes 1,166 leases and purchased at an average discount rate of 22.6%”

It should be noted that more current information indicates the company is in the $12 million to $17 million per month category, not counting portfolio purchases, according to several sources. The Monitor Magazine ranked Axis 22 largest in the Vendor/Dealer Related New Business Volume at $107 million for 2013.
May/June 2014 edition

  1. September 30, 2009 Axis Capital Company Summary  




Classified Ads---Collections

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

Long Grove, Illinois

Financial services professional with a proven track record of positively impacting corporate finances through effective management of cash flow, collections and financial assets. Strategic thinker capable of analyzing financial issues and processes in order to implement changes that improve efficiency and profit margins. Well-versed in all aspects of corporate financial affairs. | Resume


Free Posting for those seeking employment in Leasing:

All “free” categories “job wanted” ads:


Leasing 102
by Mr. Terry Winders, CLP

Section 179 Passes House, Goes to Senate

Congress extended Section 179 for 2014 by a vote of 263-155. The bill has been sent to the Senate.

Section 179 of the tax code allows small businesses to expense the first $500,000 on purchases of qualified equipment, until they pass $2 million. Purchases at levels above $2 million will reduce the expensing allowance dollar-for-dollar, until it reaches zero. The bill also is indexed for inflation so that the expensing level, and phase-out level, will continue to increase over time.

This property is generally limited to tangible, depreciable, personal property, which is acquired by purchase for use in the active conduct of a trade or business. Buildings were not eligible for section 179 deductions prior to the passage of the Small Business Jobs Act of 2010; however, qualified real property may be deducted now.

Finally, 179(b) (3) provides that a taxpayer's § 179 deduction for any taxable year may not exceed the taxpayer's aggregate income from the active conduct of trade or business by the taxpayer for that year. If, for example, the taxpayer's net trade or business income from active conduct of trade or business was $72,500 in 2014, then the taxpayer's 179 deduction cannot exceed $72,500 for 2014. However, the 179 deduction not allowed for any year because of this limitation can be carried over to the next year.

It is not known at this time how soon the Senate will take up the bill, but there does not seen to be much opposition at this time.

$500,000 is not a large number in today’s market, but the ability to expense the cost of the equipment instead of taking MACRS depreciation is going to be attractive. Many lessees have taken a lot of tax incentives in the past few years, because of the increased accelerated depreciation, and do not have many ways to reduce taxes this year.

You can help the lessee by using bargain option leases for purchases up to $500,000 so they can retain the right to expense it. If they plan to get equipment over the $2,000,000 level you can offer a true lease so they are not viewed as purchasing the equipment.

Each purchase the taxpayer makes over the $2,000,000 limit will reduce the allowance by an equal amount. Therefore, once the firm purchases more than $2,500,000, section 179 goes away. Clearly this tax incentive is designed for small business and appears it will be around for the foreseeable future.

It would be advisable to point out to the lessee, when you have them sign the lease agreement, if you are taking the tax ownership, or if you are not qualifying for tax ownership. This will help both parties understand the tax position so both do not try and depreciate the equipment.   

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 a consultant regarding assisting attorneys in resolving disputes or explaining procedures or reviewing documents as utilized in the finance and leasing industry.

He is the 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.


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


Zombie Bank* in Iowa, Not Illinois really; Florida again!
By Christopher Menkin

These two bank failures are related as they share the same holding company.  The South Florida Business Journal reports that River Valley Bancorp gave the Fort Lauderdale bank $4.25 million in the first quarter of 2013 to essentially keep it alive.  Both banks were poorly run, and their troubles included poor commercial lending practices. as poor administration, as determined by the many FDIC write-ups.

The larger of the two, the 13 branches of Valley Bank, Moline, Illinois, were closed with Great Southern Bank, Reeds Spring, Missouri, to assume all of the deposits. Founded March 1, 1911, the bank had 145 full time employees as of March 31, 2014, at its 16 offices.  They had their original office in Moline, and 15 in Iowa: three, Davenport; two, Ames; two Bettendorf, one each in Altoona, Ankeny, Cedar Falls, Clive, Eldridge, Knoxville, Oskaloosa, and Pleasant Hill. Year-end 2006, the bank had 198 full time employees.

Tier 1 risk-based capital ratio 1.07%      

This is more an Iowa bank, with the holding company and Valley Bank CEO Dennis Hansont located in Davenport, Iowa, as well as 15 of the branches in Iowa, not Illinois.

The bad loans were not residential or construction related, but more loose business loans, resulting in high non-current loans, and note the charge offs.

(In millions, unless otherwise)

Non-Current Loans

2006  $368,000
2007  $8.2
2008  $11.4
2009  $7.0
2010  $18.1
2011  $6.0
2012  $10.0
2013  $27.9
3/31   $49.6

Charge Offs

2006 $164,000  ($69,000 commercial/ind., $69,000 1-4 family, $48,000 other, $$37,000   construction, -$72,000 multifamily)
2007  $637,000 ($295,000 1-4 family, $259,000 multifamily, $73,000 other loans, $13,000 individual, -$134,000 commercial/industrial
2008  $6.5  ($1.5 1-4 family, $1.4 commercial/ind., 1.0 nonfarm/nonres, $229,000 individual, $206,000 multifamily, $169,000 other loans
2009  $3.8  ($1.2 construction/land, $1.2 commercial/ind., $650,000 1-4 family, $303,000 multifamily, $178,000 individuals. $157,000 other loans, $68,000 nonfarm/nonres.)
2010  $5.2 ($1.6 construction/land, $1.4 1-4 family, $1.1 commercial/industrial, $936,000 nonfarm/nonres., $36,000 other loans)
2011 $26.3  ($15.5 commercial/industrial, $5.2 nonfarm/nonres., $3.4 construction/land, $1.2 multifamily, $957,000 1-4 family, $69,000 individuals, $21,000 other loans
2012 $2.7 ($1.6 commercial/industrial, $$632,000 nonfarm/nonres., $297,000 1-4 family,
$86,000 construction/land, $10,000 other, -$1,000 individuals)
2013  $8.1  ($5.4 commercial/industrial, $1.4 construction/land, $684,000 nonfarm/nonres.,
$450,000 1-4 family, $106,000 multifamily, $27,000 other loans, $19,000 individuals)
3/31  $1.1 ($1.00 commercial/industrial, $154,000 1-4 family, $7,000 individuals, $2,000 construction/land, -$8,000  nonfarm/nonres.)

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

Net Equity

2006  $43.0
2007  $47.0
2008  $51.7
2009  $54.6
2010  $51.8
2011  $25.0
2012  $17.9
2013  $7.0
3/31   $3.1


2006  $5.4
2007  $4.8
2008  $2.0
2009  $204,000
2010  -$2.5
2011  -$26.9  
2012  -$7.1
2013  -$10.4
3/31   -$4.4

As indicated in the large $26.9 loss reported in 2011, this was due to an audit of the books by the FDIC, and a re-write of loans and other entries. In reality, the bank was trying to raise capital and stalled off its demise as another "Zombie" bank.

As of March 31, 2014, Valley Bank had approximately $456.4 million in total assets and $360.0 million in total deposits. In addition to assuming all of the deposits of Valley Bank, Great Southern Bank agreed to purchase approximately $375.4 million of the failed

bank's assets. The FDIC will retain the remaining assets for later disposition.

The FDIC estimates that the cost to the Deposit Insurance Fund (DIF) will be $51.4 million.

* “A zombie bank is a financial institution that has an economic net worth less than zero but continues to operate because its ability to repay its debts is shored up by implicit or explicit government credit support. The term was first used by Edward Kane in 1987 to explain the dangers of tolerating a large number of insolvent savings and loan associations and applied to the emerging Japanese crisis in 1993. A zombie can continue to operate and even to grow as long as creditors remain confident in the relevant government's ability to extract the funds needed to back up its promises from current or future taxpayers. But when this ability seems doubtful, zombie institutions face runs by uninsured depositors and margin calls from counterparties in derivatives transactions.”

The five branches of Valley Bank, Fort Lauderdale, Florida, were closed with Landmark Bank, National Association, Fort Lauderdale, Florida, to assume all of the deposits. Founded October 15, 1974, the bank had 11 full time employees as of March 31, 2014 at its two offices in Fort Lauderdale, one each in Davie, Hollywood, and Tamarac. Year-end 2007, the bank had 24 full time employees, its highest number.

Tier 1 risk-based capital ratio 0.87%

(In millions, unless otherwise)

Net Equity
2006  $13.9
2007  $15.2
2008  $15.5
2009  $13.5
2010  $9.9
2011  $6.0
2012  $646,000
2013  $1.4
3/31   $436,000


2006  -$42,000
2007  $65,000
2008  $18,000
2009  -$1.9
2010  -$3.7
2011  -$5.3
2012  -$4.9
2013  -$970,000
3/31   -$1.0

Non-Current Loans

2006  $858,000
2007  $961,000
2008  $2.1
2009  $2.3
2010  $3.4
2011  $3.7
2012  $848,000
2013  $5.1
3/31   $8.2

Charge Offs

2006  $122,000 ($67,000 commercial/industrial, $37,000 1-4 family, $18,000 individuals)
2007  $304,000 ($300,000 1-4 family, $49,000 individual, -$45,000 commercial/industrial)
2008  $606,000 ($514,000 1-4 family, $63,000 commercial/ind, $29,000 individual)
2009   $1.3  ($912,000 commercial/industrial, $435,000 1-4 family, $4,000 indiv., $8,000 other).
2010   $1.5  ($548,000 constr./land, $481,000 commercial/indus., $276,000 1-4 family,
$124,000  nonfarm/nonres.-$3,000 individual)
2011   $5.2   ($2.6 commercial/industrial, $1.3 nonfarm/nonres., $681,000 1-4 family, $231,000 multifamily, -$4,000 individual)
2012  $217,000 ($125,000 nonfarm/nonres., $90,000 1-4 family, $25,000 commercial/industrial,
 -$23,000 individual)
2013   $1.7  ($568,000 nonfarm/nonres., $510,000 constr./land, $325,000 multifamily, $175,000 commercial/industrial, $112,000  1-4 family
3/31   $2,000  ($2,000 construction/land).

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

As of March 31, 2014, Valley Bank had approximately $81.8 million in total assets and $66.5 million in total deposits. In addition to assuming all of the deposits of Valley Bank, Landmark Bank, National Association agreed to purchase essentially all of the failed bank's assets.

The FDIC estimates that the cost to the Deposit Insurance Fund (DIF) will be $7.7 million.

List of Bank Failures:

Leasing News Bank Beat:




40 companies missed May TARP dividend payment
SNL Financial Special Report
By Tahir Ali and Zuhaib Gull

Forty banking institutions missed the May quarterly TARP dividend payment as required by the Capital Purchase Program, according to a June 10 report from the Treasury. The May quarter marked an improvement from the 48 deferrals in February, 56 in November and 73 in August. Deferrals fell in the latest quarter thanks to a mix of Treasury auctions, sales, exchanges and a bankruptcy.

Boise, Idaho-based Idaho Bancorp filed for Chapter 11 bankruptcy April 24 after previously missing 19 dividend payments. The company received $6.9 million in TARP investments in January 2009.

Columbia, Tenn.-based Community First Inc.; Iselin, N.J.-based IA Bancorp Inc.; and Houston-based Patriot Bancshares Inc. had preferred shares auctioned off by the Treasury before the May quarterly TARP dividend was due. Community First had deferred 12 payments and owed the Treasury $2.9 million in unpaid dividends, while IA Bancorp had missed six payments worth approximately $472,000 and Patriot Bancshares missed 13 with an accrued dividend balance of $4.6 million.

TARP preferred stock from Northern States Financial Corp., initially worth $17.2 million in early 2009, was exchanged for common stock by the Treasury on April 30.

Meanwhile, as part of a merger deal, the Treasury sold the TARP preferred stock and warrants belonging to Rock Hill, S.C.-based Provident Community Bancshares to its new parent, Charlotte, N.C.-based Park Sterling Corp., for $5.1 million on the last day of April.

Two banks went current on dividend payments in May. Oakland, Md.-based First United Corp. and Greer, S.C.-based Greer Bancshares Inc. had previously missed 14 and 13 payments, respectively. First United was the third-largest CPP participant by noncurrent dividends at $5.3 million in February.

The 40 banks that missed the May dividend payment to the Treasury collectively received $381.2 million in TARP funds, or about 0.19% of the initial $204.9 billion given to 707 banks and thrifts under the Capital Purchase Program.

Under TARP, bank holding companies must pay cumulative dividends and missed payments accrue, while banks without holding company status pay noncumulative dividends and missed payments do not accrue. In some cases, regulators may restrict banks from paying dividends if accumulated earnings do not meet a certain threshold and some banks must attain shareholder approval before paying dividends.

All 40 of the companies that missed the May dividend payment have also missed at least five others. Eleven of these institutions have agreed to have a Treasury observer assigned and attend board meetings, while three have denied that request. Under the terms of the CPP, the Treasury has the right to elect up to two directors to the board of any institution that misses six dividend payments.

In addition, there were three companies that missed six or more TARP interest payments as of May 31. Collectively the 43 that missed six TARP dividend or interest payments have amassed $89.1 million in noncurrent payments, of which $58.1 are cumulative dividends, $21.3 million are non-cumulative dividends and $9.7 million are accrued interest.

Westminster, Calif.-based Saigon National Bank leads all other CPP participants with 22 missed payments to the Treasury, so far. The company has refused to have a Treasury observer attend its board meetings and has noncurrent dividends worth $470,673 outstanding. There are three banks that have missed payments 21 times, while two others have deferred 20 payments, as of May.

All 20 of the institutions with the highest amount of noncurrent dividends missed the May dividend payment. Doral, Fla.-based U.S. Century Bank had the highest amount of noncurrent dividends to the Treasury among all CPP participants at $12.3 million. However, the bank's dividends are noncumulative. The company has missed payments to the Treasury 18 times as of the end of May.

Narberth, Pa.-based Royal Bancshares of Pennsylvania Inc. still owes the Treasury the most in cumulative noncurrent TARP dividends among all other banks under the CPP at $7.6 million. The bank has missed 20 payments.

Elmhurst, Ill.-based Suburban Illinois Bancorp Inc. is one of three Subchapter S corporations with noncurrent interest outstanding that have missed six or more interest payments on subordinated debt issued under the CPP. The bank has missed 13 payments and has outstanding balances of $4.1 million on its noncurrent interest.

Baxter, Minn.-based Great River Holding Co. had missed 14 interest payments on its TARP subordinated debenture notes, before the Treasury auctioned off its notes in April. Little Rock, Ark.-based Riverside Bancshares Inc. which had missed two payments, went current on its dues through May.

Little Rock-based OneFinancial Corp. has missed nine interest payments to the Treasury as of May 31, accumulating noncurrent interest of $3.2 million.

As of May 31, the Treasury has received $12.09 billion in dividend and interest payments on securities issued under the CPP, $28.3 million of which came in May




Business Loan and Lease Broker Pleads Guilty
Obama Financial Fraud Enforcement Task Force

 Leigh Farrington Fiske, 50, of Tampa, Florida, pleaded guilty to five counts of wire fraud in connection with a $433,000 fraud scheme involving promising business loans and leases, but not delivering.

 “Fiske and partner Michael Ramdat promised to obtain lines of credit on behalf of their clients’ businesses in exchange for a fee," said Christy Romero, Special Inspector General for TARP (SIGTARP).

"No attempt was ever made to secure the credit lines, and Fiske and Ramdat funneled much of the ill-gotten proceeds from the fraud through an account at a TARP bank and simply pocketed their clients’ money. Those who engage in fraud related to TARP will be brought to justice and held accountable for their crimes by SIGTARP and our law enforcement partners.”

In pleading guilty, Fiske admitted that he and his partner, Michael Ramdat, operated a business referred to as “Corporate Funding Solutions.” The purported purpose of this business was to obtain business lines of credit for customers in exchange for a fee. Fiske’s role was to solicit customers, which he generally did over the Internet and by word-of-mouth. In reality, neither Fiske nor Ramdat ever intended to provide any services to their customers. Instead, they accepted approximately $433,000 from approximately 30 victims and never helped any of these victims obtain credit. Fiske admitted that he kept $102,000 of these payments for himself and that he passed the remainder on to Ramdat.

Fiske and Ramdat were charged in a Superseding Indictment on November 21, 2013. Ramdat pleaded guilty in February 2014 to five counts of wire fraud and to one count of conspiracy to commit wire fraud.

Fiske is scheduled to be sentenced on September 17, 2014, before U.S. District Court Judge Edward M. Chen in San Francisco.

The maximum statutory penalty for wire fraud is twenty years in prison, three years of supervised release, and a $250,000 fine, plus restitution. However, any sentence following conviction would be imposed by the Court after consideration of the U.S. Sentencing Guidelines and the federal statute governing the imposition of a sentence.

This case is being prosecuted by Assistant U.S. Attorney Benjamin Kingsley. The case is being investigated by SIGTARP and the FBI.

This prosecution was brought in coordination with President Barack Obama’s Financial Fraud Enforcement Task Force, which was established to wage an aggressive and coordinated effort to investigate and prosecute financial crimes. SIGTARP is a member of the task force. To learn more about the President’s Financial Fraud Enforcement Task Force, please visit

The Office of the Special Inspector General for the Troubled Asset Relief Program investigates fraud, waste, and abuse in connection with TARP. 


((Please click on ad to learn more))
(Leasing News provides this ad “gratis” as a meant
to help support the growth of Lease Police)


“Who Do I Address in My Cover Letter?”
Career Crossroad---By Emily Fitzpatrick/RII


Question: Who do I address in my cover letter?

Answer: A basic question, and a good one. Your cover letter will be more appealing if you address it to a specific person, and use that name in the salutation.
Avoid using general salutations, e.g.:

  • Dear Sir or Madam
  • To Whom it May Concern
  • Dear Prospective Employer
  • Dear Committee

You should do everything possible to send your cover letter (+ resume) to a particular person, preferably someone you have already talked with. If you have not been able to make personal connection, find out who will be reviewing your letter (+ resume) and address to that individual. 

Samantha Tilden
36 Marian Drive
Upper Saddle River, NJ 00000
Email – Phone – Phone

June 20, 2014

Ms. Renee Pendi, Director of Sales
XYZ Company
2 Executive Court
Palm Beach, FL  00000

Dear Ms. Pendi:

If you are replying to an ad without the person’s name and have no way to learn it, consider omitting the salutation and utilize a compelling subject line. 
To add a personal touch, include the individual's name toward the end of your letter.

Thank you, Ms. Pendi, for your time and consideration.

For more tips, feel free to contact us!

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


Leasing Industry Help Wanted

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

Please see our Job Wanted section for possible new employees. 



Top Stories June 16--June 20
(You May Have Missed One)

Here are the top stories opened the most by readers:

(1) Unbelievable!  Richard Wilson and the Portland V.A.
           Appointment Cancelled, but…

(2) Leasing 102  by Mr. Terry Winders, CLP
  How Do You Calculate Interest Rate?

(3) Archives--June 18, 2008
      GreatAmerica gets flooded out!

(4) Court Rules that Slight Error of Debtor’s Name in UCC-1
Financing Statement Results in Creditor Having Unsecured Loan
   By Tom McCurnin, Leasing News Legal News Editor 

(5) Update—Richard Wilson and the Portland V.A.

(6) Financial Pacific Leasing Adds 23rd CLP
          De Lage Landen Adds 1st CLP

(7) Kentucky Court Strikes Lessor’s Guaranty
       By Tom McCurnin, Leasing News Legal News Editor

(8) Element Financial $10 Billion in Assets
         After Raising $1.42 billion

(8) Quick Bridge Funding Secures $35 Million Credit Facility

(9) Southeast Capital & Finance
          Joins Broker/Lessor List "A"

(10) New Hires—Promotions

(10) PayPal Extends "No Interest" Small Business Loan Program
            By Clare Curley,



Labrador Retriever/Shepherd
Grand Island, Nebraska  Adopt-a-Dog

Animal ID: 22975638
Age: 2 years 9 days
Sex: Male
Size: Medium
Color: Golden
Declawed: No
Housetrained: Unknown
Site: Central Nebraska Humane Society
Location: Kennel 30 sponsored by Randy & Vicky Gard
Intake Date: 6/13/2014

“I am a very petite 2-year-old Lab/Shepherd mix who arrived at the shelter as a stray. Unbelievably, nobody came looking for sweet little ol' me, so now I'm looking for a new family to love me! I am a very sweet, mild-mannered boy who loves people. I seem to do well with all ages of people, and I even get along with cats and other dogs! I am also very smart, and I already know "sit" and "down". In other words, I'm an all-around loving and lovable fellow who will make a great addition to practically any home

Central Nebraska Humane Society
1312 Sky Park Road
Grand Island, NE 68801
(308) 385-5305

Contact Us:

Adopt a Pet





News Briefs----

Export-Import Bank a boon to trade-reliant state

Next House Leader Says He Would Let Trade Bank Expire

Charles Barsotti, Cartoonist with Humor Both Simple and Absurd, Dies at 80   

Changing the Course of Car Style: 1941 Chrysler Newport


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)



--You May Have Missed It

One in Five in 20s& 30s Live at Home


SparkPeople--Live Healthier and Longer

Best and Worst Sushi Choices
How to Eat Healthy at a Sushi Restaurant


Baseball Poem

               Stop Action

Slowly as in an underwater dance
the shortstop dips to take the ball
on a low hop, swings back his arm, balancing
without thought, all muscles intending
the diagonal to the first baseman's glove.

As the ball leaves his hand, the action stops —
and, watching, we feel a curious poignancy,
a catch in the throat. It is not this play only.
Whenever the sweet drive is stopped
and held, our breath wells up like the rush

of sadness or longing we sometimes feel
without remembering the cause of it.
The absolute moment gathers the surge
and muscle of the past, complete,
yet hurling itself forward — arrested
here between its birth and perishing.

Written by Conrad Hilberry, published in
“Line Drives,” 100 Contemporary Baseball
Poems edited by Brooke Horvath and Tim Wales,
published by Southern Illinois University Press





Sports Briefs----

Portugal Ties U.S. With Goal in Stoppage Time

Highlists of 2-2-Draw

Michelle Wie holds on to win US Women's Open

Carl Edwards wins NASCAR race at Sonoma

Hot or Not Releases a List of the Hottest Soccer Players

Byrnes fired as Padres general manager

How Michael Jordan Made His $1 Billion


California Nuts Briefs---

Do hidden cracks imperil Bay Bridge?

Pain of California’s water shortage is spreading 

Silicon Valley, the land of dynamic duos 

No cars on Lombard? No problem


“Gimme that Wine”

Buena Vista Winery: Its past is its future

NFL players spend $50k on cult Napa Cabernets

Women are better tasters than men

Welcome to cider country

Free Mobile Wine Program

Wine Prices by vintage

US/International Wine Events

Winery Atlas\

Leasing News Wine & Spirits Page


This Day in History

     1611 - English navigator Henry Hudson, famous for attempting to find a route from Europe to Asia via the Arctic Ocean, was set adrift in Hudson Bay by mutineers on his ship Discovery.  He was never seen again.
    1683 - Chief Tamanend of the Leni-Lenape tribe and William Penn signed a friendship treaty at Shackamaxon, near what is now the Kensington district of Philadelphia, Pennsylvania. The French philosopher Voltaire, an admirer of Penn, hailed this as "the only treaty between Indians and Christians that was never broken." The Leni-Lenape lived along both shores of the Delaware River and its tributaries.
    1810 --John Jacob Astor organizes Pacific Fur Company at Astoria, Oregon.
    1845-- A special session of the legislature of Texas voted in favor of annexation by the United States. For almost ten years, Texas had been an independent republic. The leaders of the republic first voted for Texas to be annexed in 1836, soon after it gained independence from Mexico, but the U.S. Congress was unwilling to admit another state which permitted slavery. Sam Houston, military commander during the Texas War for Independence from Mexico and the first President of the Republic of Texas, had been a strong advocate of annexation. This site has a rare photograph of Houston.
(lower half of )
    1860-The Secret Service was established by the federal government under the Treasury Department to suppress the counterfeiting of U.S. coins, and by later legislation, of paper money and securities. After the assassination of President Abraham Lincoln, the Secret Service was given the duty of guarding the president. Special agents are charged with protecting the president, and his immediate family, the vice president, the president-elect, the vice president-elect, former presidents and their wives, the widows of former presidents unless they remarry, minor children of former presidents until they reach 16, major presidential and vice-presidential candidates, visiting heads of foreign governments, and official government representatives performing special missions aboard. The Federal Bureau of Investigation was created in 1908 under the Department of Justice to supplement the work of the Secret Service.
    1860 - Congress established the Government Printing Office.
    1865- The last formal surrender of Confederate troops took place in the Oklahoma Territory. Confederate Brigadier General Waite, also a leader of the Cherokee nation, surrendered his command of a battalion of American Indians.
    1868 - Publisher and politician Christopher Latham Sholes received a patent for a prototype of the typewriter. The device became known as a "blind-writer" as its design prevented easy viewing of the typed characters. Sholes's invention eventually led to the manufacturing of the first typewriter.
    1889-The first Medal of Honor awarded to an African-American soldier in the Spanish-American War was issued to Private George Henry Wanton, Troop M., 10th U.S. Cavalry.  He voluntarily went ashore at Tayabacoa, Cuba on June 30, 1898, “in the face of the enemy and aided in the rescue of his wounded comrades, this after several previous attempts at rescue had been frustrated.
    1892 - The Democratic convention in Chicago nominated former President Grover Cleveland on the first ballot.
     1894 -- Alfred Kinsey entomologist/sexologist author was born in Hoboken, New Jersey.
    1902- Volcano Springs, California hit a high temperature of 129 degrees. This is the highest temperature ever recorded in the United States during the month of June.
    1911-Tenor Sax player Eddie Miller, born New Orleans, LA.
    1913-Birthday of singer Helen Humes, best known for singing with the Count Base band, at Louisville, Ky.
    1923-Jazz arranger/composer George Russell born Cincinnati, OH
    1925-Alto/Baritone Sax player Sahib Shihab, born Savannah, GA
    1927-Birthday of Robert Louis “Bob” Fosse, born at Chicago, IL. The son of a vaudeville singer, he began his show business career at the age of 13. He was the only director in history to win an Oscar, an Emmy and a Tony for his work. As a choreographer, he was known for his unique dance style that focused on explosive angularity of the human body in its movements. His body of work included the plays “Pippin”, “Sweet Charity”, “Pajama Game”, “Chicago” and “Damn Yankees”. His films include “Cabaret”, “Lenny”, and the autobiographical “All That Jazz”. Fosse died September 23, 1987, at Washington, DC.
    1929-Birthday of June Carter Cash, songwriter and Grammy Award-winning country singer with husband, Johnny Cash.
    1931 - Aviators Wiley Post and Harold Gatty took off from New York on the first round-the-world flight in a single-engine plane.
      1931---Spaniard Lili De Alvarez broke with tennis tradition by showing up for her match at the Wimbledon championships wearing not the customary skirt and stockings, but shorts! Actually, her outfit was more like trousers, quite baggy and falling to her calves. She didn’t win the match, but her fashion statement opened the door for women athletes to dress more practically during competition.
    1933-- The longest-running and most popular radio show, “The Breakfast Club", began in Chicago with Don McNeil, eventually carried by 400 affiliates and tickets to attend were months in waiting. The variety show on NBC Blue Network/ABC radio (and briefly on television) ran through December 27, 1968. The hour-long radio show included celebrities who would visit. The show’s popularity, however, stemmed mainly from regular features such as "Memory Time”, when McNeil read poems and letters from listeners. During World War II, "Prayer Time" was started. McNeil's "Call to Breakfast," which was announced every 15 minutes, invited listeners to get up and march around the breakfast table.
    1938—The first aquarium, Marineland, opens in Florida.
    1940- Olympian and civil rights activist Wilma Rudolph birthday.  Born prematurely at 4.5 pounds, the 20th of 22 siblings from two marriages, she contracted infantile paralysis (caused by the polio virus) at age four. By the time she was twelve years old, she had also survived bouts of polio and scarlet fever. In 1953, 12-year-old Rudolph finally achieved her dream of shedding her handicap and becoming like other children. While attending Burt High School, Rudolph became a basketball star, setting state records for scoring and leading her team to the state championship. By 16, she earned a berth on the U.S. Olympic track and field team and came home from the 1956 Melbourne Games with an Olympic bronze medal in the 4×100 m relay to show her high school classmates.  Rudolph was considered the fastest woman in the world in the 1960s.  In the 1960 Summer Olympics in Rome, Rudolph became the first American woman to win three gold medals in track and field during a single Olympic Games.  On November 12, 1994, at age 54, she died of cancer in her home in Nashville of a brain tumor and throat cancer.           
    1940-Birthday of country singer Diana Trask, born in Melbourne, Australia. Originally a pop vocalist, she was a regular on Mitch Miller's "Sing Along With Mitch" TV show after moving to the US in 1959. After returning to Australia and raising a family, Trask returned to the US in the late '60s and turned to country music. She had hits with "I Fall to Pieces" in 1969 and "Beneath Still Waters" in 1970. Trask went back to Australia in 1975.
    1941 - At 23 years old, Lena Horne recorded "St. Louis Blues" for Victor Records, launching her illustrious singing career in the process. She continued performing well into her 60s.
    1944 -A killer tornado outbreak occurred in Ohio, West Virginia, Pennsylvania, and Maryland with three F4 tornadoes responsible for most of the death and destruction. Shinnston, West Virginia was leveled with 100 people killed. A total of 154 people were killed and 966 were injured in this outbreak. Up to this time, damaging tornadoes were not believed to travel across mountainous terrain.
    1944--*BUTTS, JOHN E. Medal of Honor
Rank and organization: Second Lieutenant, U.S. Army, Co. E, 60th Infantry, 9th Infantry Division. Place and date: Normandy, France, 14, 16, and 23 June 1944. Entered service at: Buffalo, N.Y. Birth: Medina, N.Y. G.O. No.: 58, 19 July 1945. Citation: Heroically led his platoon against the enemy in Normandy, France, on 14, 16, and 23 June 1944. Although painfully wounded on the 14th near Orglandes and again on the 16th while spearheading an attack to establish a bridgehead across the Douve River, he refused medical aid and remained with his platoon. A week later, near Flottemanville Hague, he led an assault on a tactically important and stubbornly defended hill studded with tanks, antitank guns, pillboxes, and machinegun emplacements, and protected by concentrated artillery and mortar fire. As the attack was launched, 2d Lt. Butts, at the head of his platoon, was critically wounded by German machinegun fire. Although weakened by his injuries, he rallied his men and directed one squad to make a flanking movement while he alone made a frontal assault to draw the hostile fire upon himself. Once more he was struck, but by grim determination and sheer courage, continued to crawl ahead. When within 10 yards of his objective, he was killed by direct fire. By his superb courage, unflinching valor and inspiring actions, 2d Lt. Butts enabled his platoon to take a formidable strong point and contributed greatly to the success of his battalion's mission.
    1944--*KINGSLEY, DAVID R. (Air Mission) Medal of Honor
Rank and organization: Second Lieutenant, U.S. Army Air Corps, 97th Bombardment Group, 15th Air Force. Place and date: Ploesti Raid, Rumania, 23 June 1944. Entered service at Portland, Oregon. Birth: Oregon. G.O. No.: 26, 9 April 1945. Citation: For conspicuous gallantry and intrepidity in action at the risk of life above and beyond the call of duty, 23 June 1944 near Ploesti, Rumania, while flying as bombardier of a B17 type aircraft. On the bomb run, 2d Lt. Kingsley's aircraft was severely damaged by intense flak and forced to drop out of formation but the pilot proceeded over the target and 2d Lt. Kingsley successfully dropped his bombs, causing severe damage to vital installations. The damaged aircraft, forced to lose altitude and to lag behind the formation, was aggressively attacked by three ME-109 aircraft, causing more damage to the aircraft and severely wounding the tail gunner in the upper arm. The radio operator and engineer notified 2d Lt. Kingsley that the tail gunner had been wounded and that assistance was needed to check the bleeding. 2d Lt. Kingsley made his way back to the radio room, skillfully applied first aid to the wound, and succeeded in checking the bleeding. The tail gunner's parachute harness and heavy clothes were removed and he was covered with blankets, making him as comfortable as possible. Eight ME-109 aircraft again aggressively attacked 2d Lt. Kingsley's aircraft and the ball turret gunner was wounded by 20mm. shell fragments. He went forward to the radio room to have 2d Lt. Kingsley administer first aid. A few minutes later when the pilot gave the order to prepare to bail out, 2d Lt. Kingsley immediately began to assist the wounded gunners in putting on their parachute harness. In the confusion the tail gunner's harness, believed to have been damaged, could not be located in the bundle of blankets and flying clothes which had been removed from the wounded men. With utter disregard for his own means of escape, 2d Lt. Kingsley unhesitatingly removed his parachute harness and adjusted it to the wounded tail gunner. Due to the extensive damage caused by the accurate and concentrated 20mm. fire by the enemy aircraft, the pilot gave the order to bail out, as it appeared that the aircraft would disintegrate at any moment. 2d Lt. Kingsley aided the wounded men in bailing out and when last seen by the crewmembers he was standing on the bomb bay catwalk. The aircraft continued to fly on automatic pilot for a short distance, then crashed and burned. His body was later found in the wreckage. 2d Lt. Kingsley by his gallant heroic action was directly responsible for saving the life of the wounded gunner.
    1945 - Japanese commander Lt. Gen. Ushijima committed suicide at Okinawa, site of the bloodiest battle of the Pacific theater of World War II; 234,183 people were officially recorded as killed in the battles.
    1947 - U.S. Congress passed the Taft-Hartley Act, regulating union administration and prohibiting closed shops.  The Senate joined the House in overriding President Truman's veto of the Taft-Hartley Act.
    1948—Birthday of Associate Justice of the US, Clarence Thomas, born Pinpoint, Georgia.
    1950--Top Hits
“My Foolish Heart” - The Gordon Jenkins Orchestra
(vocal: Eileen Wilson)
“Bewitched” - The Bill Snyder Orchestra
“The Old Piano Roll Blues” - Hoagy Carmichael & Cass Daley
“I’ll Sail My Ship Alone” - Moon Mullican
    1951 - No. 1 Billboard Pop Hit: "Too Young," Nat King Cole.
    1954--- 122ø F (50ø C), Overton, Nevada (state record)
    1955 - After the debut of "Three for Tonight" on CBS, Harry Belafonte became a popular television star. Before bringing his show to television, Belafonte had been touring with it.
    1955 - Walt Disney's "Lady and the Tramp," the first animated feature filmed in CinemaScope, opened in theaters.
    1956- "Stranded in the Jungle" by the Cadets was released. It reached number 15 on the Billboard Hot 100 and remains a favorite oldie.
    1958--Top Hits
“All I Have to Do is Dream” - The Everly Brothers
“The Purple People Eater” - Sheb Wooley
“Hard Headed Woman” - Johnny Cash
“Guess Things Happen that Way”- Elvis Presley
 1960 - Paul Anka opens at New York's Copacabana nightclub, the youngest act ever to do so at the time.
   1962 - Ray Charles' LP Modern Sounds In Country And Western Music hits #1
    1963 - Del Shannon's cover of the Beatles' "From Me To You" hits the bottom of the Billboard Hot 100, thus becoming the first Lennon-McCartney composition to ever make the US charts.
    1963—Outfielder Jimmy Piersall of the New York Mets hit the 100th home run of his career and celebrated by running the bases facing backwards. Philadelphia Phillies pitcher Dallas Green was not amused.
    1965-"Tracks Of My Tears" by Smokey Robinson & The Miracles. The same song will be a hit for Linda Ronstadt in 1976.
    1966---Michael Johnson set a world record of 19.66 seconds in the 200 meters at the US Olympic Trials in Atlanta, GA. Johnson erased the previous record of 19.72 seconds, set by Pietro Mennea of Italy on September 12, 1979.
    1966 - The film version of Edward Albee's “Who's Afraid of Virginia Woolf?” opened in New York. Richard Burton and Elizabeth Taylor were cast in the lead roles, and Taylor later received the Best Actress Academy Award for her performance. The film was also nominated for Best Picture, Best Actor, Best Director, and Best Supporting Actor and Supporting Actress.
    1966--Top Hits
“Paint It, Black” - The Rolling Stones
“Did You Ever Have to Make Up Your Mind?” - The Lovin’ Spoonful
“Barefootin’” - Robert Parker
“Take Good Care of Her” - Sonny James
    1967-Arthur Conley receives a gold record for his first hit, "Sweet Soul Music".
    1968 -- Vietnam becomes the longest war in nation's history.
    1970 - No. 1 Billboard Pop Hit: "The Love You Save," The Jackson 5.
    1971 - The gripping and controversial film, “Klute”, starring Jane Fonda and Donald Sutherland, opened in New York City. Fonda later won the Academy Award for Best Actress for her powerful portrayal of a call girl.
    1972—President Richard Nixon signed the Higher Education Act of 1972, including Title IX, which barred gender discrimination in athletics and all other activities at colleges and universities receiving federal assistance.
    1972-Smokey Robinson appears in concert for the last time with the Miracles, in Washington, DC.
    1972 -- Life magazine publishes photos of South Vietnamese children running from napalm.
    1972 – President Nixon and White House chief of staff H.R. Haldeman discussed a plan to use the CIA to obstruct the FBI’s Watergate investigation. Revelation of the tape recording of this conversation sparked Nixon’s resignation in 1974. In the “smoking gun” tape Pres. Nixon told his chief of Staff, H.R. Haldeman, to tell top CIA officials that “the president believes this (in reference to Watergate) is going to open the whole Bay of Pigs thing up again.” Nixon counseled Haldeman on how to use deception to thwart an FBI investigation on how Watergate was financed.
    1973-23-year-old B.W. Stevenson records "My Maria", which will reach #9 in the US later in the year. Although his real first name was Louis, he used the initials B.W., which stood for Buck Wheat.
    1974--Top Hits
“Billy, Don’t Be a Hero” - Bo Donaldson & the Heywoods
“You Make Me Feel Brand New” - The Stylistics
“Sundown” - Gordon Lightfoot
“This Time” - Waylon Jennings
    1975-Jefferson Starship release their album, “Red Octopus”.
    1978-In response to the passage of an anti-gay ordinance in Miami, 240,000 people march in San Francisco in the first large-scale version of that city's annual Gay Freedom Day Parade.
    1979 ---The Charlie Daniels Band releases "Devil Went Down to Georgia."
    1979-Supertramp's album, "Breakfast in America" rose to the top of the US album chart.
    1979- Disco singer Donna Summer captured the number one and number three positions on the Billboard Hot 100 chart with "Hot Stuff" and "Bad Girls." She was the first solo entertainer to hold two of the top three positions simultaneously.
    1982 -- All time low at the South Pole…-117ø F
    1982 - --Top Hits
“Ebony and Ivory” - Paul McCartney with Stevie Wonder
“Don’t You Want Me” - The Human League
“Rosanna” - Toto
“Slow Hand” - Conway Twitty
    1984-Van Halen release their single, "Panama."
    1985 - Golfer Arnold Palmer set a senior record when he won his first victory. His victory occurred when he won the Senior Tournament Players Championship by 11 strokes.
    1987 - A massive hailstorm hit eastern Colorado causing an estimated 60 to 70 million dollars damage. At La Junta, CO, hail as large as softballs caused 37 million dollars damage.
    1988 - Thirty-four cities reported record high temperatures for the date. The reading of 90 degrees at Bluefield, WV, equaled their record for the month of June. The record high of 104 degrees at Billings, MT, was their thirteenth of the month.
    1989 ---The movie "Batman" premiers
    1990 --Top Hits
“It Must Have Been Love” - Roxette
“Step By Step” - New Kids on the Block
“Do You Remember?” - Phil Collins
“Love Without End, Amen” - George Strait
    1990 -TV Guide selects Arsenio Hall as TV personality of the year
    1990-The decline of the music industry was never more evident than when MC Hammer's "U Can't Touch This" topped the Billboard R&B chart. By simply talking over Rick James' 1981 hit, "Super Freak", Hammer (real name: Stanley Kirk Burrell) would go on to win Grammy Awards for Best Rhythm & Blues Song as well as Best Rap Solo Performance.
    1992 – Mafia kingpin John Gotti, convicted of racketeering charges, was sentenced in New York to life in prison.
      1993-  Lorena Bobbitt of Prince William County, Va., sexually mutilated her husband, John, after he allegedly raped her.
       1994 - The Barry Manilow tribute musical Copacabana opens in London.
      1995 - Los Angeles Raiders media release: “The Raiders organization has chosen to relocate to Oakland”.  In a Deja-vu-all-over-again kind of situation, Raiders owner Al Davis made the decision to take his team back to where it had come from. And the Raiders sued the NFL, claiming it forced the team to move by insisting that a second team be allowed to play at a new stadium Davis wanted to build at Hollywood Park in suburban Inglewood. Davis said the other team would have crippled his team financially when it came to selling luxury suites and building fan loyalty. He demanded more than $1 billion for the ‘right’ to the LA market and for compensation to his team for revenue to be lost because of the failed deal. Davis and the Raiders lost the suit on May 21, 2001. Kimberly Hamilton, forewoman of the 7-man, 5-woman jury said, “I think the key for me was that the Raiders did not have enough evidence to meet the burden of proof.” An NFL spokesman said, “The notion that the Raiders ‘own’ the Los Angeles market also was entirely unsupported by the evidence in this case. The Raiders abandoned Los Angeles when they returned to Oakland in 1995, just as they deserted Oakland in 1982 when they moved to the Los Angeles Coliseum.”
    1996-More than 15,000 people had died of AIDS in San Francisco by this time.
    1999 - Just two months into his retirement, Wayne Gretzky, "The Great One," was officially elected into the Hockey Hall of Fame. The Canadian owned nearly every significant NHL record and was the league's all-time leader with 2,857 points, 894 goals, and 1,963 assists with four teams. He also held playoff highs with 122 goals, 260 assists, and 382 points among his 61 National Hockey League records.
    2000 - John Williams was the first inductee into the Hollywood Bowl Hall of Fame
    2003--- Stealing second base at Pacific Bell Park in the 11th inning, Barry Bonds becomes the first player to hit 500 homers and steal 500 bases in his career. The Giants' left fielder may not only be the charter member of the 500-500 club, many believe, including him, he will most likely only member, as no one else may ever reach this plateau.
    2005 - Former Ku Klux Klansman Edgar Ray Killen was sentenced to 60 years in prison for the 1964 Mississippi slayings of three civil rights workers.
      2005-Making his professional debut, Yakima Bears hurler Ryan Doherty pitches a perfect sixth and seventh, striking out three of the six batters he faces, during a 3-2 loss to the Vancouver Canadians. At 7’1”, the right-hander from Toms River, New Jersey, who signed a free-agent contract with Diamondbacks after pitching for Notre Dame, becomes the tallest pitcher in professional baseball history, surpassing Jon Rauch who stands a mere 6 feet-11 inches.




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