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Monday, June 20, 2022

Today's Leasing News Headlines

Legally, a Loan Again, Naturally*
    Ken Greene, Leasing News Legal Editor
Amur Equipment Finance Joins
    Funder List “A”
Leasing and Finance Industry Help Wanted
    Working Capital Loan Brokers’ Commissions Up to 17 Points
I Am Ready to Move On!
    Career Crossroads - By Emily Fitzpatrick/RII
Top Ten Leasing News Read by Readers
    June 13 - June 17
A Decade of Population Growth
    and Decline in U.S. Counties
Check Your Internet Speed Connection---Why
    By Kit Menkin
Miniature Pinscher & Terrier Mix
    Pembroke Pines Florida  Adopt a Dog
Fraud and Working Out a Bad Deal Cost Effectively
    SF Net June 23, 2022  3:00-4:00 p.m. ET 
News Briefs---
The most popular air travel day this year was a mess.
     That won't change anytime soon
Someone paid $19 million for a steak lunch
    with Warren Buffet
Recession Probability Soars as Inflation Worsens
    Economists see interest-rate increases raising likelihood to 44%

You May have Missed---

The Crypto Crash: all Ponzi schemes topple eventually
    "Back to the wild west finances of the 1920s"

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

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

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


Legally, a Loan Again, Naturally*
Ken Greene, Leasing News Legal Editor

Perhaps that seems like a silly question but in fact it is a critical one for the trillion-dollar commercial finance industry. Whether or not a commercial transaction is or is not a loan impacts licensing requirements and a myriad of other laws and regulations including disclosure obligations, usury restrictions, and more. This article will discuss the meaning of the term “loan,” and then discuss whether the numerous and varied financial products on the market fall within the scope of that definition.

This article will address California law. Most of you are, by now, familiar with the licensing and disclosure requirements in the once Golden State. What may surprise you is the absence of a clear definition of “loan” in either the California Financial Code (which includes the infamous licensing laws), SB1235 (the “Disclosure Law”) or the recently finalized regulations which flesh out SB 1235. Even the meticulously constructed California Commercial Code, despite addressing many facets of lending law, does not define “loan.”

The Financial Code defines a “commercial loan” as  loan of a principal amount of five thousand dollars or more used for other personal, family or household purposes” but defining a “commercial loan” as a “loan” without further guidance as to what a loan is does not help much. SB1235 has the same definition. It has other definitions, but you won’t find a definition of the term “loan.”

You will, however, find the definition in California Civil Code §1912, an 1872 statute, which states: A loan of money is a contract by which one delivers a sum of money to another, and the latter agrees to return at a future time a sum equivalent to that which he borrowed.

Helpful? Me thinks not.

You may now be asking why is this important. Well, as mentioned above, loans are highly regulated in California, and many other states. Lenders (those who “loan money”) and brokers (those who broker “loans”) need California Finance Law licenses. Those engaged in “non-loan” transactions, i.e. true leases, factoring or reverse factoring transactions, certain merchant cash advances, and other creative commercial finance products do not need CFL licenses. So, who decides whether a transaction is a loan or not? Let’s take a deeper dive to explore the answer to that question.

We know from the California Commercial Code and a wealth of case law that a lease may be judicially recharacterized as a loan if it has certain features, including a discount purchase option, or where the term of the agreement exceeds the useful (“economic”) life of the “leased” equipment. We also know that Merchant Cash Advances, generally treated by the courts as non-loans, are considered loans if they are backed by personal guaranties rendering a person or entity liable for the entire amount of the advance irrespective of how the underlying business does.

         In California, who is the arbiter of whether a transaction is a loan? Generally the Department of Financial Protection ("DFPI”) and, all too often, the courts. Sometimes, counsel for the aggrieved customer who is for one reason or another, unable to honor its contractual commitment will look for any argument to create a purported defense to payment. The DFPI will analyze your transactions if there is a complaint made to them, or in the process of an audit, or when you are applying for a license. Their review is perspicacious, educated and thorough. If they don’t like what they see, they will impose penalties, deny your application altogether, or both.
The California courts may not have the same level of experience as the DFPI, but they have the resources to achieve the correct result and, if they don’t, you always have recourse to the appellate courts. Counsel for people or entities being sued may and often do not have that level of sophistication, and that can lead to protracted, expensive and ugly litigation.

What then is the answer to navigating these often turbulent and often unpredictable waters? My best advice is to make sure your documents and your transactions are compliant and tailored to the product you are marketing. If you intend a lease to be a lease, follow the legal guidelines. If you intend an MCA to remain as such, ditch the personal guaranties. Mostly, don’t be penny wise and pound foolish. Have a seasoned professional, one familiar with these types of issues, review your portfolio for compliance. As they say, an ounce of prevention…

*Apologies to Gilbert O’Sullivan     

Ken Greene Leasing & Finance Observations

Ken Greene
Tel: 818.575.9095
Fax: 805.435.7464


Amur Equipment Finance Joins
Funder List “A”

In Business Since
Leasing Association
Amur Equipment Finance   
Jacklynn E. Manning
Minimun $10,000

A -Accepts Broker Business | B -Requires Broker be Licensed
 | C -Sub-Broker Program |
D -"Private label Program" | E - Also "in house" salesmen

Full List:


Help Wanted Ads


I Am Ready to Move On!

Career Crossroads - By Emily Fitzpatrick/RII

Question: I am in the process of searching for a new career opportunity.

Approximately five years ago, I was in the process of interviewing and received two offers from competing companies. I accepted one and have remained here for the past five years – it is now time to move on.

I was interested in re-exploring the company that I received the first offer from five years ago. As such, I submitted my qualifications.

At this point, the company is not interested in re-exploring an employment relationship because I turned down the offer I received from them five years ago. Do you have some insight?

Answer: I have noted multiple times in this column to be careful of burning bridges. Did you verbally decline the offer that was presented and provide adequate follow up? If not, it was imperative that you left the door open to future opportunities.

Another possibility, they may assume you were not successful at the competing company. Make sure you are able to provide your track record of success along with sufficient explanation of why you are currently exploring new opportunities (all positive of course). If you have been there five years, that says something…

I always recommend when you turn down an offer:

"Rejection of Offer" Letter (a phone call AND an email is appropriate) may include the following:

“I enjoyed our meeting on... to discuss the possibility of my joining XYZ Company. I was impressed by your .... E.g. sales records and enthusiastic team (express what you liked about the company / division, etc...).

“Although I greatly appreciate your consideration and your confidence in my abilities, I must decline your employment offer as I have decided to accept another position more in line with my current career aspirations.

“I hope that, in the future, if circumstances allow me to cross paths with you again, that you will be open to communicating.

”Again, I appreciate your time and appreciate your consideration.”

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


Top Ten Leasing News Read by Readers
June 13 - June 17

(1) California (Finally) Approves Disclosure Regulations
    Ken Greene, Leasing News Legal Editor

(2) New Hires/Promotions in the Leasing Business
    and Related Industries

(3) New Hires/Promotions in the Leasing Business
    and Related Industries

(4) IRS Increases Mileage Rate
    for Remainder of 2022

(5) George Berenz, Former President of Tilden
    Passed Away at 80-years-old

(6) Many State and All Federal Offices will Be Closed
    Monday to Celebrate Juneteenth (States Listed)

(7)  Computing Interest Rates Programs
    For Use in New State Commercial Finance Laws

(8) Story Credit Lessors
    "C" & "D" Lessees, Business Loans, Working Capital

(9) DFPI’s Commercial Financing Disclosure Regulations  
    to Become Effective as of December 9, 2022 – Press Release

(10) SpaceX workers call Elon Musk an ‘embarrassment’
    in leaked open letter



A Decade of Population Growth
and Decline in U.S. Counties

From 2010 to 2020, Maricopa County in Arizona saw the highest increase in its population estimate. Over a decade, the county gained 753,898 residents. Below are the counties that saw the biggest increases in population:

Full Report:




Check Your Internet Speed Connection---Why
by Kit Menkin

There are many free programs that check your internet speed. It is a very good idea to do often to learn the wired and wireless speed of the computer or device you are using.

First, you learn if you are getting the speed you are paying for. It is important to understand that higher usage (Peak Times) of those in your "node" will slow down your speed. Thus if at a hotel and you are paying for premium, you may not be receiving it and the only way to find out and have internet provider improve your speed is to check the actual speed you are receiving. I always do this when traveling as I have found the provider's techs always try to be helpful.

A side benefit, if you are using the network connection at home, you may learn the better peak times during weeknights and weekdays.

Second, you learn the difference of wireless speed connections, especially realizing you can change your wireless signal provider, depending on your location. You also can get your internet provider to increase your speed by realizing what you are receiving.

Third, you can consider if it is time to improve your connection speed by going to the next tier or considering moving to a new provider.

Fourth, it may not be the carrier that is slowing down the speed, but the settings on your computer or hand held device. Often an IT person can discover and correct these settings, which can be other programs running, actual drive connections, or a hardware such as modem or route or processor or another software problem or improvement.

Consulting a professional may be very beneficial for faster connections, better graphics, as well as better overall performance. This can be done at a computer store, your location, and there are "on line" services who can do this remotely.

I recommend:

There are many free programs to check speed. Many will give you the connection location to choose. I always choose the closest. I think that gives you the true numbers. The further the location, the slower the connection will be. Remember this, so you don't compare going to San Francisco time as the same time as going to Denver or Chicago. Also, when speaking to the internet provider tech, you know the speed and city, so it is not just an opinion, it is a fact.

The main thing is by testing your speed often you were learn more about how to improve your computer or hand held device performance.



Miniature Pinscher & Terrier Mix
Pembroke Pines Florida  Adopt a Dog


2.5 Years Old
10 lbs.
Coat Length: Shor
House Trained
Vaccinations up-to-date
Good in a Home with
Other Dogs, Children
Friendly, Affectionate, Loyal, Gentle,
Playful, Smart, Curious, Funny, Athletic,
Quiet, Loves kisses

Cody was an "owner surrender" and just in time as he was allowed to be in the street. Owner was afraid he would be hit by a car. He couldn't be any sweeter and totally loving. Cody is approximately 2.5 years old and weighs 10 lbs. He is a happy boy loves all dogs and people. Cody will melt your heart and is completely house trained also requires a fenced backyard. He loves sleeping with his foster and his foster furry friends if you would like to meet this cutie, please submit an online adoption application through our website listed below;

A Better Life Rescue, Inc.
6231 PGA Blvd.
Suite 104 #427
Pembroke Pines, FL 33082


NOTE: ADOPTION CRITIRIA-We are near Port St Lucie and to conduct a home visit, which is mandatory, we will only drive south to Boca Raton and to Port St Lucie. This is the tri-county we adopt to. Another criteria is that we can obtain verifiable recent or current vet references. Children over 12 years of age only.


Fraud and Working Out a Bad Deal Cost Effectively
SF Net June 23, 2022  3:00-4:00 p.m. ET

What do you do when fraud is detected and your deal is going bad? Paul Schuldiner, EVP & Chief Lending Officer, Rosenthal & Rosenthal, will moderate a panel discussion addressing the ways that you can work out the deal cost effectively.


Robert S. Cohen, Partner, Moritt Hock & Hamroff LLP

Kenneth R. Yager, President and Founder, Newpoint Advisors Corporation

Kevin Laborde, President, Cash Flow Resources, LLC

Immediately following the webinar, we will allow additional time for networking for those who wish to remain on Zoom.
Members $0
Non-Members $95



News Briefs---

The most popular air travel day this year was a mess.
     That won't change anytime soon

Someone paid $19 million for a steak lunch
    with Warren Buffet

Recession Probability Soars as Inflation Worsens
    Economists see interest-rate increases raising likelihood to 44%


You May Have Missed---

The Crypto Crash: all Ponzi schemes topple eventually
    "Back to the wild west finances of the 1920s"



Sports Briefs---

Matt Fitzpatrick wins U.S. Open
    for his first career major title

NFL aiming for lengthy Deshaun Watson suspension

Sandy Koufax statue unveiling ceremony
    a time of gratitude and inclusion

Grand Prix race results: Verstappen wins Canadian GP

Torri Huske, Caeleb Dressel, Alex Walsh claim
     more golds for U.S. at swimming worlds

Ranking the 7 Best Players Who Remain
    on NFL's 2022 Free-Agent Market

Meet the man who is leaving Seattle for Denver
    to help Broncos QB Russell Wilson 'be great'


California Nuts Briefs---

Report finds California boasts biggest job gains
     in the nation

$40 million solar and battery project planned
     at Sonoma Baylands Hunting Club



"Gimme that wine"

Gnarly Head Wines and the Grateful Dead
     Announce Partnership

An Underappreciated Burgundy Wine Region Is Upward Bound

How Russia’s War on Ukraine Threatens Decades
     of Winemaking Progress

The best wineries at the Jersey Shore

“Gimme that Wine”

Free Wine App

Wine Prices by vintage

US/International Wine Events


This Day in History


  1632 – The 2d Lord Baltimore was granted rights to the Chesapeake Bay area by the British crown.
    1675 - Abenaki, Massachusetts, Mohegan and Wampanoag Indians formed an anti-English front. Wampanoag warriors attacked livestock and looted farms.
    1682 - A major tornado ripped through southwestern Connecticut, passing through Stratford, Milford, and New Haven, and then into Long Island Sound. 
    1782 - Congress approved the Great Seal of the United States and the eagle as its symbol.  It was the fourth submission of several committees designated by the Continental Congress, the first committee having been appointed on July 4, 1776 after the signing of The Declaration of Independence.
    1819 - The 320-ton paddle-wheel steamship Savannah became the first steamship to cross the Atlantic. It arrived in Liverpool after a journey from Savannah, Georgia, of 27 days 11 hours.
    1840 – The US Patent Office granted patent #1647 for the telegraph to Samuel F. B. Morse.
    1856 - In San Francisco, Committee of Vigilance headquarters was fortified with sandbags to stop any attacks by troops sent by the Governor to quell the insurrection. Cannons are mounted on the roof to forestall bombardment. 
    1858 - Birthday of Charles W. Chestnutt (d. 1932), Cleveland, OH.  He is considered by many as the first noted black novelist in American Literature. His collections of short stories included “The Conjure Woman (1899)” and “The Wife of His Youth and other Stories of the Color Line” (1899). “The Colonel’s Dream” (1905) dealt with the struggles of the freed slave. His work has been compared to later writers such as William Faulkner, Richard Wright, and James Baldwin.
    1863 - West Virginia became the 34th state. This date is observed as a holiday in West Virginia. Following the Wheeling Conventions of 1861, in which 50 northwestern counties of Virginia decided to break away from Virginia because its citizens were against slavery, the new state was admitted to the Union and was a key border state. West Virginia did not secede from the Union.  It was the only state to form by seceding from a Confederate state and was one of two states formed during the Civil War (the other being Nevada, which separated from Utah Territory). Charleston is the capital of the Mountain State which boasts of having the most rugged terrain of any state east of the Mississippi. Throughout the forested hills of West Virginia, you’ll also find many cardinals (the state bird) and multitudes of the state flower, the big rhododendron.
    1863 - First National Bank in Davenport (Iowa) was the first bank in the country to open under the National Banking and Currency Act.  The Act was approved by Congress and established a system of national banks for banks, and created the United States National Banking System. They encouraged development of a national currency backed by bank holdings of U.S. Treasury securities and established the Office of the Comptroller of the Currency as part of the Department of the Treasury and authorized the Comptroller to examine and regulate nationally chartered banks. The Act shaped today's national banking system and its support of a uniform U.S. banking policy.
    1867 - The first territory that was noncontiguous was annexed to the United States. Alaska was purchased from Russia for $7.2 million. General Lovell Harrison Rousseau, the first military governor of the territory, took formal possession of Alaska in October, 1867.
    1885 - A band of Moravian missionaries landed on the shores of Alaska and founded the Bethel Mission. During the first year of their mission work among the Eskimos, winter temperatures outside their makeshift housing plummeted to 50 degrees below zero! 
    1893 - Eugene Debs forms the American Railway Union (ARU). 
In just a few months, the union leads an 18-day strike against the Great Northern Railroad, forcing management to reverse three wage cuts. The victory against a railroad with 2,500 miles of track and 9,000 employees was so remarkable, especially during a depression, that the union signs up 2,000 members a day. This sets the stage for Chicago's Pullman Strike of 1894, the first organized nationwide strike in US history. 
    1893 - Spectators at her trial cheered when the “not guilty” verdict was read by the jury foreman in the murder trial of Lizzy Borden. Elizabeth Borden had been accused of and tried for the hacking to death of her father and stepmother in their Fall River, MA, home, Aug 4, 1892.
    1894 - Birthday of Dr. Lloyd A. Hall (d. 1971), Elgin, IL.  African-American pioneer in food chemistry and food preservation. By the end of his career, Hall had amassed 59 US patents, and a number of his inventions were also patented in other countries.
    1894 - During the summer of 1894, the Pullman Palace Car Company was embroiled in what proved to be one of the most bitter strikes in American history. The strike was a direct response to company Chief George Pullman and his hardball tactics, most notably his decision in the midst of the Depression of 1893 to preserve profits by slashing wages and hiking workers' rents. Though Pullman's cars didn't carry any mail, the scheme proved effective.  In early July, the government banned the boycotts and swiftly shipped troops to Chicago. Fighting broke out shortly after the government forces hit the scene; by the time the militia left Chicago on July 20, the "war" between the troops and the strikers had left thirty-four men dead. But, the damage had already been done to the Pullman strikers: their ranks and clout had been depleted, and, when American Federation of Labor chief Samuel Gompers refused to lend them any substantial support, the rail workers were forced to capitulate to management. In the wake of the settlement, many of the strikers were barred from working in the rail industry.
    1895 - Caroline Willard Baldwin became the first woman to earn a PhD in Science from an American university, at Cornell University, Ithaca, NY.  Caroline was born in San Francisco on June 30, 1869. She was the only child of Army vet and miner Alfred Baldwin, one of the pioneering members of Santa Cruz County in California, and Fannie Willard, who was noted for her intellectual pursuits.  Caroline later became the first woman to receive a Bachelor of Science degree from the School of Mechanics at the University of California in 1892.
    1898 - Having not known that a war was in progress and having no ammunition on the island, the Spanish commander of Guam surrendered to Captain Glass of the USS Charleston. The United States took control of the island in the 1898 Spanish-American War as part of the Treaty of Paris.  It later became, and remains, a protectorate of the US.
    1901 - Charlotte Manye becomes the first native African to graduate from an American University.
    1903 - Birthday of Glenna Collett Vare (d. 1989), New Haven, CT.  American amateur golfer who dominated the sport in the 1920s, winning 59 of 60 consecutive matches. She won her last championship in 1935, defeating such teenagers as the immortal Patty Berg.  An estimated 15,000 came to watch the Grande Dame of golf and those who competed for the fun of it since there were no money prizes for women in those days. 
    1905 - Playwright Lillian Hellman (d. 1984) was born, New Orleans. American playwright/memoirist. Had lifelong relationship with mystery writer Dashiell Hammett until his death (1961). Among her plays that have entered the modern repertory are ''The Children's Hour,'' ''The Little Foxes'' and ''Watch on the Rhine.'' She was also one of the most successful motion-picture scenarists.  Her life took a sharp turn in 1952 when the House Committee on Un-American Activities was investigating links between American leftists and the Communist Party in this country and abroad.  She offered to testify about her own opinions and actions, but not about those of others. ''I cannot and will not cut my conscience to fit this year's fashions,'' she wrote.  For this, she risked imprisonment for contempt of Congress, was blacklisted and saw her income drop from $150,000 a year to virtually nothing.  Not until ''Toys in the Attic'' appeared in 1960 did her financial straits end. Although she had participated with Communists in many causes, she was not a Communist. Throughout her life, Miss Hellman continued to raise her voice for such causes as civil rights and peace, and with others filed a suit that won a court ruling that the Nixon White House tapes were public property.
    1905 - A young woman sued the New York Giants for $500 for injury suffered when a foul ball hit her at a game at the Polo Grounds. Judge Chester B. McLaughlin dismissed the suit, ruling that patrons attend baseball games at their own risk. That concept holds today and is a warning on every game ticket.
    1907 - First Portland, Oregon Rose festival.
    1909 – Birthday of naturalized American actor Errol Flynn (d. 1959) at Tasmania, Australia.  Flynn was an overnight sensation in his first starring role soon after arriving in Hollywood, “Captain Blood” (1935). He followed with a succession of films over the next six years: “The Charge of the Light Brigade” (1936), “The Prince and the Pauper” (1937), “The Adventures of Robin Hood” (1938), “The Dawn Patrol” (1938), “Dodge City” (1939), “The Private Lives of Elizabeth and Essex” (1939) and “The Sea Hawk” (1940).  In 1940, he was voted the 4th most popular star in the US according to Variety and the 7th most popular in Britain, and was at the zenith of his career.  When Flynn became a naturalized American citizen on 15 August 1942, he also became eligible for the military draft, as the United States had entered World War II eight months earlier. Grateful to the country that had given him fame and wealth, he attempted to join the armed services but he had several health problems, his heart was enlarged, with a murmur, and he had already suffered at least one heart attack.  Accordingly, he was classified 4-F.  This created a public image problem for both Flynn and Warner Brothers as he was often criticized for his failure to enlist in the Armed Forces for war service as many other Hollywood actors of service age had, and yet while not apparently enlisting he continued to play war heroes in flag-waver productions such as “Dive Bomber” (1941), “Desperate Journey” (1942) and “Objective Burma” (1945).  
    1910 - Singer and comedienne Fanny Brice made her debut in the Ziegfeld Follies. She received rave reviews from the Broadway critics.
    1911 - The National Association of Advancement of Colored People incorporates in New York City, NY
    1912 - Trumpeter Lammar Wright, Sr. (d. 1973) was born in Texakana, Texas.  He played with Benny Moten, Cab Calloway for 17 years.  ”Benny Moten's band is now a solid New Orleans style group even though they are from Kansas City. The trumpeter Lammar Wright is now playing with a fast terminal vibrato. ‘18th Street Strut’ uses Oliver-style phrases.”
    1915 - The St. Louis Browns arrived in Detroit for a game against the Tigers without their uniforms. The Tigers lent the Browns spare uniforms and then beat them, 1-0.
    1916 - Inserted as a defensive replacement late in the game, Boston SS Everett Scott started a string of 1,307 consecutive games, all played at SS. He will complete the streak as a Yankee on May 6, 1925, a few days after the Major League debut of Lou Gehrig who broke Scott’s record on the way to 2,130.
    1917 - Birthday of guitarist/singer Jimmy Driftwood (d. 1998), Mountain View, AR.
    1920 - Trumpet player Paul Wesley ‘Doc’ Evans (d. 1977) birthday, Spring Valley, MN.
    1920 - Race riots in Chicago, Illinois leave two dead and many wounded.
    1920 - Actor DeForest Kelley (d. 1999) born at Toccoa, Georgia.  Perhaps best known for his role in “Star Trek” as Dr. Leonard "Bones" McCoy.
    1921 - Miss Alice Robertson of Oklahoma became the first woman to preside in the US House of Representatives. Miss Robertson was President for half an hour. 
    1921 - Circle, MT, received 11.5 inches of rain in 24 hours, a record for the state. The town of Circle received a total of 16.79 inches of rain that month to establish a rainfall record for any town in Montana for any month of the year.
    1924 - Audie Murphy (d. 1971) was born in Kingston, TX. He became the most decorated American soldier of World War II, receiving every military combat award for valor available from the US Army, as well as French and Belgian awards for heroism. Murphy received the Medal of Honor for valor demonstrated at the age of 19 for single-handedly holding off an entire company of German soldiers for an hour at the Colmar Pocket in France in January 1945, then leading a successful counterattack while wounded and out of ammunition. He went on to make movies and write a book about his war experiences called “To Hell and Back.”
    1924 - Birthday of guitarist Chet Atkins (d. 2001), Luttrell, TN.  American guitarist, vocalist and record producer who, along with Owen Bradley, created the smoother country music style known as the Nashville Sound, which expanded country's appeal to adult pop music fans as well.  His trademark picking style and musicianship brought him admirers within and outside the country scene, both in the United States and internationally. Atkins produced records for The Browns, Hank Snow, Porter Wagoner, Norma Jean, Dolly Parton, Dottie West, Perry Como, Elvis, The Everly Brothers, Eddy Arnold, Don Gibson, Jim Reeves, Jerry Reed, Skeeter Davis, Waylon Jennings and others.  Among many honors, Atkins received 14 Grammy Awards as well as the Grammy Lifetime Achievement Award, nine Country Music Association Instrumentalist of the Year awards, and was inducted into the Rock and Roll Hall of Fame, Country Music Hall of Fame and Museum and the Musicians Hall of Fame and Museum.
    1928 – Birthday of American actor Martin Landau (d. 2017) in Brooklyn.  American film and television actor. His career started in the 1950s, with early film appearances including a supporting role in Alfred Hitchcock’s “North by Northwest” (1959). He played regular roles in the television series “Mission: Impossible” (for which he received several Emmy Award nominations) and “Space:  1999.” 
    1928 - Birthday of alto sax/flutist Eric Dolphy (d. 1964), Los Angeles, Ca.
    1929 - Louis Armstrong and an all-black cast open in "Hot Chocolates," New York City.
    1931 - Birthday of Olympia Dukakis, stage and screen actor, Lowell, MA.  Won Academy Award for best supporting actress for her work in “Moonstruck” (1987).  She is a cousin to former Massachusetts governor Michael Dukakis.
    1936 - Billy Guy, baritone lead singer with the 1950's group The Coasters, was born Frank Phillips (d. 2002) in Texas.  The Coasters, formed in 1955, had a series of hits with novelty songs written by Jerry Lieber and Mike Stoller. The group achieved widespread popularity with their first releases in 1956: "Down in Mexico" and "One Kiss Leads to Another." The Coasters' other hits included "Yakety Yak," "Charlie Brown" and "Poison Ivy." Many of the sax breaks on the Coasters' records are played by King Curtis.
    1940 - President Roosevelt strengthens his Cabinet by bringing in two prominent Republicans. Henry Stimson becomes Secretary for War and Frank Knox becomes Secretary for the Navy. Stimson is strongly against America's isolationist tradition and will be a champion of Lend-Lease.
    1942 - Brian Wilson, lead singer and main songwriter for the Beach Boys, was born in Inglewood, California. Wilson's songs - such as "Surfin' USA," "I Get Around" and "Help Me, Rhonda" - were all about being a teenager in California in the early 1960's - about surfing, driving and dating. The group turned to more grown up topics later in the decade, but the Beach Boys have survived mainly as a nostalgia act. In the mid-1960s, Wilson composed and produced “Pet Sounds,” considered one of the greatest albums of all time.  The Beach Boys have sold more than 65 million records worldwide. Brian Wilson became a virtual recluse in 1970 when his neuroses and drug abuse got the better of him. He has since done the odd live show, and released a solo album in 1988.  His honors include being inducted into the 1988 Rock and Roll Hall of Fame and winning two Grammy Awards (2004 and 2011). In lists published by Rolling Stone, Wilson ranked 52 for the "100 Greatest Singers of All Time" in 2008 and 12 for the "100 Greatest Songwriters of All Time" in 2015.  In 2012, music publication NME ranked Wilson number 8 in its "50 Greatest Producers Ever" list, elaborating "few consider quite how groundbreaking Brian Wilson's studio techniques were in the mid-60s.
    1943 - Federal troops put down racial riot in Detroit in which 30 are dead.
    1944 - The Japanese fleet withdraws to refuel, believing that their aircraft have landed safely on Guam. US Task Force 58 (Admiral Mitscher) launches an air strike on the Japanese fleet in the late afternoon. The 216 American aircraft encounter 35 defending fighters and sink the carrier Hiyo. Two other Japanese aircraft carriers are damaged as are a battleship and a cruiser. US loses amount to 20 planes shot down and 72 crashing while attempting to land on their carriers in the dark. During the night, the Japanese fleet withdraws and is not pursued. The battle of the Philippine Sea ended with Japan losing almost all its remaining trained pilots and at least 4,000 seamen.
   1944 - Vice Admiral Marc Mitscher, commander of the U.S. Task Force 58, ordered all lights on his ships turned on to help guide his carrier-based pilots back from the Battle of the Philippine Sea.
    1944 - *O'BRIEN, WILLIAM J., Medal of Honor
Rank and organization: Lieutenant Colonel, U.S. Army, 1st Battalion, 105th Infantry, 27th Infantry Division. Place and date: At Saipan, Marianas Islands, 20 June through 7 July 1944. Entered service at: Troy, N.Y. Birth: Troy, N.Y. G.O. No.: 35, 9 May 1945. Citation: For conspicuous gallantry and intrepidity at the risk of his life above and beyond the call of duty at Saipan, Marianas Islands, from 20 June through 7 July 1944. When assault elements of his platoon were held up by intense enemy fire, Lt. Col. O'Brien ordered 3 tanks to precede the assault companies in an attempt to knock out the strongpoint. Due to direct enemy fire the tanks' turrets were closed, causing the tanks to lose direction and to fire into our own troops. Lt. Col. O'Brien, with complete disregard for his own safety, dashed into full view of the enemy and ran to the leader's tank, and pounded on the tank with his pistol butt to attract 2 of the tank's crew and, mounting the tank fully exposed to enemy fire, Lt. Col. O'Brien personally directed the assault until the enemy strongpoint had been liquidated. On 28 June 1944, while his platoon was attempting to take a bitterly defended high ridge in the vicinity of Donnay, Lt. Col. O'Brien arranged to capture the ridge by a double envelopment movement of 2 large combat battalions. He personally took control of the maneuver. Lt. Col. O'Brien crossed 1,200 yards of sniper-infested underbrush alone to arrive at a point where one of his platoons was being held up by the enemy. Leaving some men to contain the enemy, he personally led 4 men into a narrow ravine behind, and killed or drove off all the Japanese manning that strongpoint. In this action he captured five machineguns and one 77-mm. fieldpiece. Lt. Col. O'Brien then organized the 2 platoons for night defense and, against repeated counterattacks, directed them. Meanwhile he managed to hold ground. On 7 July 1944, his and another battalion were attacked by an overwhelming enemy force estimated at between 3,000 and 5,000 Japanese. With bloody hand-to-hand fighting in progress everywhere, their forward positions were finally overrun by the sheer weight of the enemy numbers. With many casualties and ammunition running low, Lt. Col. O'Brien refused to leave the front lines. Striding up and down the lines, he fired at the enemy with a pistol in each hand and his presence there bolstered the spirits of the men, encouraged them in their fight, and sustained them in their heroic stand. Even after he was seriously wounded, Lt. Col. O'Brien refused to be evacuated and after his pistol ammunition was exhausted, he manned a .50 caliber machinegun, mounted on a Jeep, and continued firing. When last seen alive, he was standing upright firing into the Jap hordes that were then enveloping him. Sometime later his body was found surrounded by enemy he had killed. His valor was consistent with the highest traditions of the service.   
    1945 - Anne Murray, one of the most popular female singers in the world, was born in Springhill, Nova Scotia. In 1966, she became a member of the chorus of "Singalong Jubilee," a CBC-TV show from Halifax. Murray continued as a featured performer on the show until 1970, the year the success of her recording of "Snowbird" caused a dramatic increase in her popularity. It was the first disc by a Canadian female vocalist to earn a gold record in the US. During the 1970's, Murray developed into Canada's most popular female singer. And she began enjoying great success with pop and country audiences in the US and Britain. She began appearing frequently on "The Glen Campbell Goodtime Hour" on CBS-TV. Her hits included "Talk It Over in the Morning," "What About Me" and "You Needed Me," a 1978 million-seller. In 1986, she opted for a new, more contemporary image, with the hit "Now and Forever," produced by David Foster. 
    1945 - Abbott & Costello's "Who's on First" routine is first seen, in the film "The Naughty Nineties."  The routine is now a regular feature in the National Baseball Hall of Fame in Cooperstown.
    1948 - President Harry S. Truman institutes a military draft with a proclamation calling for nearly 10 million men to register for military service within the next two months. Truman's action came during increasing Cold War tensions with the Soviet Union.
    1948 - “The Ed Sullivan Show” premiered on television. It was officially titled “Toast of the Town” until 1955. We all watched it, especially since we were living in the early 1950’s in Port Chester, NY, where he also lived. It was the longest-running variety show (through 1971) and the most popular for decades. Ed Sullivan, the host, signed all types of acts, both well-known and new, trying to have something to please everyone. Thousands of performers appeared, many making their television debut, such as Irving Berlin, Victor Borge, Hedy Lamarr, Walt Disney, Fred Astaire and Jane Powell. Two acts attracted the largest audience of the time: Elvis Presley and the Beatles.
    1949 - Birthday of Lionel Richie, Tuskegee, AL.  Tenor sax, songwriter, the son of a retired U.S. Army captain and a teacher. The former lead singer of the Commodores had five No. 1 hits, including "Endless Love." That duet with Diana Ross sold more than 2 million copies and in 1981 topped Billboard's Hot 100 for nine weeks, longer than any other duet. 
    1950 - Willie Mays graduated from high school and immediately signed with the New York Giants for a $6,000 bonus. The ‘Say Hey Kid’ would play most of his career for the Giants -- in both New York and San Francisco -- becoming a baseball legend. As his career came to a close, Mays was traded to the New York Mets. Mays, an all-star center fielder, considered one of the game’s greatest stars, and is in the Baseball Hall of Fame. He lives on the San Francisco Peninsula. 
    1950 -  After stroking a RBI single in the third inning, Joe DiMaggio strikes again in the seventh with another run-scoring safety to collect his 2,000th career hit. The Yankee Clipper reaches the milestone in an 8-2 victory in Cleveland, the 1537th contest he has played in the major leagues.
    1952 – Actor John Goodman born at St. Louis, MO…”Roseanne” (1988–1997), for which he won a Best Actor Golden Globe Award in 1993. “Raising Arizona” (1987), “King Ralph” (1991), “Barton Fink” (1991), “The Big Lebowski” (1998), “O Brother, Where Art Thou?” (2000), and “Inside Llewyn Davis” (2013). A prolific voice actor, he perhaps most notably provided the voice of Sully in “Monsters, Inc” (2001) and “Monsters University” (2013). Other prominent film performances include the lead role in “The Flintstones” (1994) and supporting roles in “The Artist” (2011), “Extremely Loud and Incredibly Close” (2011), “Argo” (2012), “Flight” (2012), “Trouble With The Curve” (2012), and “The Hangover Part III “(2013), among many others. 
    1953 – Singer Cyndi Lauper is born in New York City. Her first single, “Girls Just Want to Have Fun,'' sells more than 2 million copies and reaches No. 2 on Billboard's Hot 100. Two later releases, “Time After Time'' and “True Colors'' top the chart.
    1955 - Top Hits
“Cherry Pink and Apple Blossom White” - Perez Prado
“Rock Around the Clock” - Bill Haley & His Comets
“It’s a Sin to Tell a Lie” - Somethin’ Smith & The Redheads
“Live Fast, Love Hard, Die Young” - Faron Young
    1957 - A violent tornado, rated F5 on the Fujita scale, tore through Fargo, North Dakota. 10 people were killed and 103 injured. Over 1300 homes were damaged or destroyed.
    1960 - Floyd Patterson became the first boxer to regain the heavyweight championship when he knocked out Ingemar Johansson of Sweden at 1:51 of the fifth round. Patterson won the crown for the first time on November 30, 1956, defeating Archie Moore. Johansson scored a TKO over the champion on June 26, 1959. Johansson also lost a third fight on March 13, 1961.
    1960 - 17-year-old Annette Funicello entered the Billboard Pop chart with the Paul Anka-penned "Train of Love." The song would become the fourth of her five Top 40 hits, eventually reaching #36. 
    1963 - The United States and the Soviet Union established a hot-line to serve as an emergency communications system between the two superpowers during the Cold War. While the system was tested, it was never used. 
    1963 - Top Hits
“Sukiyaki” - Kyu Sakamoto
“You Can’t Sit Down” - The Dovells
“Blue on Blue” - Bobby Vinton
“Act Naturally” - Buck Owens
    1964 - A squall line producing large hail swept through central Illinois. A second squall line moved through during the early morning hours of the 21st, and a third one moved through shortly after dawn. The series of hailstorms caused $9 million damage. Hailstones as large as grapefruit caused heavy damage to trees, utility lines, crops and buildings. The thunderstorms also produced as much as five inches of rain in an eight hour period 
    1965 - No. 1 Billboard Pop Hit: "Mr. Tambourine Man," The Byrds.
    1966 - The U.S. Open golf tournament was broadcast from San Francisco, with something extra for the nation’s golf fans. It was the first time TV had beamed a golf event in color.
    1967 - Boxing champion Muhammad Ali is convicted of refusing induction into the American armed services. The conviction was later overturned by the Supreme Court.
    1967 - Birthday of actress Nicole Kidman, born Honolulu, Hawaii.
    1969 - The three day Newport Festival began in Northridge, California, featuring such performers as Jimi Hendrix, Joe Cocker, and Ike and Tina Turner. Hendrix was paid $135,000, at the time the most ever paid to a rock performer for a single performance. Like the notorious Altamont Festival later in the year, there were violent gate-crashing incidents and a motorcycle gang had been hired for security.
    1970 - Beatles tune "The Long and Winding Road" began its second week on the pop music charts number one spot. It would be the last song released by The Beatles. 
    1970 - Neil Young's "Cinnamon Girl" goes gold.
    1971 - Top Hits
“It’s Too Late/I Feel the Earth Move” - Carole King
“Rainy Days and Mondays” - Carpenters
“Treat Her Like a Lady” - Cornelius Brothers & Sister Rose
“When You’re Hot, You’re Hot” - Jerry Reed
    1972 - President Nixon recorded on tape information relating to the Jun 16 Watergate break-in. Sections of the tape were later erased, allegedly accidentally by secretary Rose Mary Woods. A panel of experts examined the tape to see if the 18-minute gap was intentional. Richard H. Bolt (d. 2002 at age 90), acoustic expert at Bolt, Beranek and Newman, later said that if it was an accident than it was committed at least 5 times in the 18 minutes.
   1972 - The Tallahatchie Bridge, made famous in Bobbie Gentry's "Ode to Billie Joe", collapsed into the Yazoo River. Although an article which appeared in the November, 1967 issue of Life magazine showed a picture of Bobbie walking across it, she later said that she didn't have any particular span in mind when she wrote the song. It's also worth noting that Chocktaw Ridge, which is also referred to in the song, is located a hundred miles away on the east side of the I-55, and not anywhere near the Tallahatchie River as it passes through Leflore County. 
    1973 - American Bandstand airs its 20th anniversary special on ABC-TV, featuring Little Richard, Paul Revere and the Raiders, Three Dog Night, Johnny Mathis, Annette Funicello, and Cheech and Chong. It also features the first appearance of his many huge "all-star" rock jams.
    1975 - “Jaws” was released.  With its tagline, “Don’t go in the water” and its ominous cello music, the Steven Spielberg-directed thriller shocked audiences. Adapted from a Peter Benchley bestseller,”Jaws” showed a great white shark preying on the beachgoers of a New England town. It won three Oscars—Best Editing, Best Sound and Best Original Score (by John Williams)—and was a blockbuster success. 
    1977 - Former Nixon White House chief of staff H.R. Haldeman enters prison.  His intimate role in the Watergate cover-up precipitated his resignation from government, subsequent to which he was tried on counts of perjury, conspiracy and obstruction of justice, found guilty and imprisoned for 18 months. Upon his release he returned to private life and was a successful businessman until his death from cancer in 1993.
    1977 - No. 1 Billboard Pop Hit: "Got to Give It Up (Pt. 1)," Marvin Gaye.
    1979 - Top Hits
“Hot Stuff” - Donna Summer
“We are Family” - Sister Sledge
“Ring My Bell” - Anita Ward
“She Believes in Me” - Kenny Rogers
    1980 - "It's Still Rock & Roll" becomes Billy Joel's first #1 hit.
    1985 - Coach Rollie Massimino told reporters, "I just can’t leave Villanova," when he turned down a $2.1 million, ten years offer to coach basketball for the New Jersey Nets.
    1987 - Whitney Houston’s album, "Whitney," debuted on "Billboard" magazine’s album chart at number one. Houston became the first female to have an LP debut at the top. The singer, daughter of Cissy Houston and cousin of Dionne Warwick, began her singing career at age 11 with the New Hope Baptist Junior Choir in New Jersey. Houston first worked as a backup vocalist for Chaka Khan and Lou Rawls.  She entered modeling in 1981, appearing in "Glamour" magazine and on the cover of "Seventeen". Whitney married soul singer, Bobby Brown, in the late 1980s.  On February 11, 2012, Houston was found dead in her guest room at The Beverly Hilton in Beverly Hills. The official coroner's report showed that she had accidentally drowned in the bathtub, with heart disease and cocaine use listed as contributing factors. 
    1987 - Top Hits
“Head to Toe” - Lisa Lisa & Cult Jam
“I Wanna Dance with Somebody (Who Loves Me)” - Whitney Houston
“In Too Deep” - Genesis
“Forever and Ever, Amen” - Randy Travis
    1988 - A law to force the admission of women to private clubs was upheld unanimously by the Supreme Court. At issue was a New York City law requiring women to be admitted to large, private clubs that are said to play important roles in business and professional life. In New York, the University Club had already voted to admit women. By the end of August, the Union League Club, the Century Association, and the Friars Club in New York agreed to admit women. The Friars Club in California admitted its first female member in 1987. On June 18, the exclusive Cosmos Club in Washington, D.C.C. unassailably male for 110 years, voted by a large majority to accept women. It, too, had been threatened with legal action.
    1988 - Thirty-eight cities in the central U.S. reported record high temperatures for the date. Afternoon highs of 97 degrees at Flint, MI, and 104 degrees at Chicago, IL, equaled records for the month of June. Thunderstorms in North Dakota produced baseball size hail near Kief, and wind gusts to 100 mph near McGregor
    1993 - With a four-games-to-two victory over the Phoenix Suns in the National Basketball Association (NBA) finals, the Chicago Bulls earned their third straight NBA title. The Bulls became the first team to “three-peat” since 1966, when the Boston Celtics won their eighth in a row. In 1996, the Bulls won the NBA title for a fourth time, in 1997 for a fifth, and in 1998 for a sixth, for another three-in-a-row sweep.
    1994 - O.J. Simpson pleaded innocent to murdering his ex-wife and her friend.
    1994 - Geffen Records offered the estimated two million subscribers to the CompuServe computer bulletin board an opportunity to download a previously unreleased Aerosmith song, "Head First." The track was recorded during the band's sessions for the 1993 album "Get a Grip." It was one of the first times that subscribers to a bulletin board service could download an entire song over computer lines. 
    1995 - Michael Jackson's "HIStory - Past, Present and Future: Book One" was released. The double CD, Jackson's first album since child molestation allegations two years earlier, debuted at number one on the Billboard chart. Initial sales in the US were strong but dropped off sharply in subsequent weeks. Canadian record stores reported only moderate sales. Jackson had to battle controversy over anti-Semitic lyrics in the song "They Don't Care About Us." He said he used the words to illustrate the evils of prejudice. Jackson promised to include a written explanation in albums already produced and not shipped and to re-record the song with new lyrics for future releases.
    1995 - A supercell thunderstorm dumped unusually large hail for New England in Connecticut. Baseball size hail fell at Vernon, Manchester, Deep River, and Old Saybrook. At Deep River, the large hail lasted for 20 minutes, causing hundreds of thousands of dollars in damage. Some automobiles were totaled. In one historic building, 25 windows were broken, including a 100-year-old curved window. 
    1995 - Legendary country duo George Jones and Tammy Wynette release reunion album "One." 
    1997 - The tobacco industry agreed to a massive settlement in exchange for relief from mounting lawsuits and legal bills.
    1999 - Payne Stewart made a 15-foot par putt on the 18th hole at famous Pinehurst Resort & Country Club's No. 2 course in Pinehurst, North Carolina. The putt was just enough to win the U.S. Open by one stroke over Phil Mickelson. Stewart, one stroke behind with three holes to play – and apparently heading for a play-off round the next day - made a 25-foot putt for par to catch Mickelson, a 3-foot birdie putt on No. 17 to take the lead, and then his 24th putt of the day to win the championship. He tragically died in a plane crash October 25, later that year.
    2001 - Hitting his 38th homer of the season, Barry Bonds breaks the Major League mark established by Reggie Jackson (1969) and Mark McGwire (1998) for home runs hit before the All-Star game. The Giants' left fielder still has 17 games to add to the record.
    2002 - The U.S. Supreme Court declared that executing mentally retarded murderers was unconstitutionally cruel. 
    2004 - On Father's Day with his dad present, Ken Griffey, Jr. nails a 6th inning fastball of Cardinal hurler Matt Morris over the right field wall at Busch Stadium for his 500th career home run. The Reds' center fielder becomes the 20th Major Leaguer and the sixth youngest (34) to reach the milestone.
    2004 - The 3000th time that Paul McCartney took to the stage as a professional musician. He had performed 2,535 concerts with the Quarrymen and the Beatles, 140 gigs with Wings and 325 solo shows. 
    2006 - An album of jazz standards Diana Ross recorded more than 30 years earlier finally sees the light of day. "Blue" was intended as a companion to the hit 1972 soundtrack to "Lady Sings the Blues," in which Ross portrayed jazz legend Billie Holiday. However, Ross instead followed up the project with the pop album "Touch Me in the Morning," which reached No. 1 on the Billboard album chart. In its wake, "Blue" was shelved.
    2007 - Sammy Sosa of the Texas Rangers became the fifth Major Leaguer to hit 600 career home runs, joining Hank Aaron, Babe Ruth, Barry Bonds, and Willie Mays.
    2008 - Jimmy Buffett announced that his Margaritaville Holdings has paired with New York gambling company Coastal Marina to buy the Trump Marina Hotel Casino for $316 million. His vast business empire also includes tequila, beer, frozen food, footwear, restaurants, a resort, a record label and a recording studio. In 2006, Rolling Stone magazine estimated Buffett's earnings at $44 million - the seventh-most of any musician.
    2012 – Oracle’s CEO Larry Ellison agreed to purchase 98% of the Hawaiian island of Lanai.
    2015 – The Washington Nationals’ Max Scherzer narrowly missed pitching a perfect game, settling for a 6-0 no-hitter over the Pirates. With two outs in the 9th, he hit pinch-hitter Jose Tabata with a 1-2 pitch after retiring the first 26 batters in order as Tabata appeared to lean his hip into the pitch. Scherzer got the next hitter on a fly ball to end the game. 
    2015 - A rally calling for removal of the Confederate flag formed at the capitol building of South Carolina in response to a shooting earlier this week of nine African-Americans, in their church, by white supremacist Dylann Storm Roof. 

NBA Finals Champions:

    1993 - Chicago Bulls
    2006 - Miami Heat



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