Friday, June 2, 2006
Headlines--- “Add me” feature is now working ######## surrounding the article denotes it is a “press release”
------------------------------------------------------------------------------- ------------------------------------------------------------------------------- “Add me” feature is now working on line. New script had to be written due to hackers using this to send out thousands of e-mails. We do invite new readers to sign up for our e-mail notice and version. Please invite a colleague as the issues are free and we welcome new readers. Editor ---------------------------------------------------------------- Classified Ads---Collector/Controller/Contract Administrator
Grapevine, Texas " Where Dallas and Fort Worth meet." * Collector Collector: Boston, MA Collector: Jacksonville, E. Brunswick, FL Collector: Wellington, FL Controller Controller: Chicago, IL Controller: Philadelphia, CA Controller: Seattle , WA Controller: Southeastern, MI Controller: Uniondale, NY Contract Administrator Contract Administrator: New York, NY Contract Administrator: Portland, OR For a full listing of all “job wanted” ads, please go to: To place a free “job wanted” ad, please go to: Winery Profile Blessing of the Grapes Train fares—round trip ---------------------------------------------------------------- Leasing Technologies International joins “Funder List” A -Accepts Broker Business | B -Requires Broker be Licensed | C -Sub-Broker Program
For the full list, please go here: http://www.leasingnews.org/Funders_Only/Funders.htm ---------------------------------------------------------------- Press Releases and First Guardian by Christopher Menkin, editor
Our "colleagues" including ELTnews, ELAonline, Lessors.com, Monitor Daily, and others such as Google, Yahoo, to name a few, again print “news” from First Guardian Financial. It appears the press releases are rarely "investigated;" maybe it is an automated process. Leasing News on May 22, 2006, questioned: “Who is First Guardian Financial?” The stock exchange listing shows stock at:” 0.0072 - 0.0084” Yahoo Finance Summary shows “2 employees located in Brooklyn, NY.” Several telephone calls on Thursday to the "investor number" were obviously to an answering service. Each time, they informed us: "I don't think they are in today. We have gotten several calls, but they don't answer. "We called three times, thinking a time difference may find them in, but basically were told the same thing: “They were not in today.” One time the operator said, “ I don't think they are in very much...” and didn't even ask for our telephone number or to put us in “voice mail.” Leasing News tries to ask questions or looks into press releases before printing them, as we remember many who looked like they had a big operation, but did not. Remember Sean Wheeler and 1Lease, who worked the leasing association conferences as well as faxes and telephone calls to brokers that he was a "funder," and then all the others, searching for "turned down deals," or "we do story credits," or "We know what we are doing and the others don't." Not that we think First Guardian is in that category, heavens no!, but they have not returned telephone calls nor proven that they really are "funders" and not brokers pretending to be "funders." Leasing News certainly welcomes a comment from them, particularly an interview regarding the press releases they are sending out. In the meantime, you can bet Leasing News looks at the validation of all press releases and often refuses to print those that are out right “advertisements” or “a waste of your time.” For readers who want to see the First Guardian press release, we won't print it, but you can go here to read it: http://leasingnews.org/PDF/FGF_%20Establishes_Leasing.pdf For readers who want to learn more about the reference to 1Lease, please go here: http://www.leasingnews.org/Conscious-Top%20Stories/sean_wheeler.htm ----------------------------------------------------------------
What's up with Cal First? by Christopher Menkin
Many lessors and brokers know when they are not current with financial statements and other information with their "funders," they take the chance of being "cut off" until they comply. Many funders are getting tougher about this, as regulators are getting tougher with them, which a good part may be due to Sarbanes-Oxley. It is no secret banks and other publicly held companies have rules and regulations that require more severe compliance than ever before, especially in Sarbanes-Oxley requirements . With the recent trend of problems with large companies, such as Fannie Mae and Enron, to name a few, the short- staffed regulators are both overwhelmed and getting tougher. Maybe they have run out of patience, or maybe they are hitting home runs and like winning. Certainly obtaining fines and penalties does increase “income,” but is not really their incentive as they don't work on a commission basis. It appears the jury verdicts in the last few years are much more in favor of the prosecutors. The peer groups are fed up with the shenanigans and behavior. The prosecutors are motivated to enforce the current laws. They are getting headlines, convictions, and they like why they chose their profession. CalFirst Bancorp (CFNB) announced it is not in compliance with The Nasdaq Stock Market regarding filing its Form 10-Q for the period ended March 31, 2006. The Orange County, California based corporations with stockholders' equity of more than $185 Million as of December 31, 2005, stated it basically is an "accounting issue" with Cal First Leasing. The NASDAQ notice stated that due to such noncompliance, CFNB's common stock will be subject to delisting. Calfirst Bancorp requested a NASDAQ hearing on the matter. It appears they have hired a new accounting firm whom the auditors believe will follow their "viewpoint." This company can trace part of its heritage to Amplicon and several other Orange County leasing companies, and has been known as. California First Leasing Corporation (CalFirst) a subsidiary of California First National Bancorp, University Lease ,(www.universitylease.com) Amplicon Financial, American Techologies Credit, Inc., Working Capital Technologies of America, according to various sources. Many of the principals of leasing companies today in were former sales personnel who learned the business from this mother. According to the Cal First web site, California First Leasing Corporation leases and finances “just about any equipment" in the $25,000 to $5 million range: "Broadcasting and CATV Equipment http://www.calfirstbancorp.com/leasing/calfirstleasing/whatcan.htm
Cal First, "...notified PricewaterhouseCoopers LLP ("PwC") that it had been dismissed as the Company's independent registered public accounting firm, effective immediately. The decision to dismiss PwC was made by the Audit Committee." "...Audit Committee were reviewing the Company's accounting for lease extensions booked as sales-type leases. This review is still in process and the Company has not yet determined if any change to the Company's previously reported results is required, or the amount of any adjustments, if any. Based on its review since filing the 5/16/06 Form 8-K, management believes that certain lease extensions classified as sales-type leases should have been accounted for as operating leases, and is evaluating the impact of the reclassification. The difference in lease classification would primarily result in different timing of income recognition within a typical twelve-month extension term, and a change in classification of such leases on the balance sheet from Net Investment in capital leases to Property on operating leases and of some income from Direct finance income to Operating and sales-type lease income." A spokesperson for Cal First told Leasing News they did not "fire" their accountants, and when asked what the dollar amount was involved, stated Cal First would not comment further than their official SEC filing statement. Asked if it was a lot of money involved, meaning if it were $50,000, most likely they would have "written it off," but if $100,000, maybe more, but it seems more serious than that. There was the same "motor boating" about the SEC filing information, making no more comment, although the press release gave a telephone number and name if more information was needed. Asked if the matter was serious received this response: "I would say it was serious as Cal First has never had a notice for dismissal," was the response. Several certified public accountants who specialize in leasing stated the income would appear as "unearned income" and maybe even with another category, such as "discounted" or "broker." Issues regarding "use tax" in California were not addressed in the SEC filing, nor the "residual value" asset category, or how it might also be accounted for in "income," such as "interim rent" or "extra income or gain or loss regarding "residual income." Perhaps the issue regards a FASB (Financial Accounting Standards Board) ruling, such as recently the Equipment Leasing Association has been addressing directly and through the news media about "off sheet balance" and other matters. Certainly Leasing News readers will learn more when NASDAQ responds and holds a hearing as requested by Cal First Bank on the matter. Here is the Cal First SEC filing: http://www.sec.gov/Archives/edgar/data/803016/000080301606000013/ Equipment Leasing Association FASB White Paper: More information on Sarbanes-Oxley: ----------------------------------------------------------------
---------------------------------------------------------------- Letters---We get eMail!!!
Trident Leasing, San Jose, CA Bulletin Board Complaint “I read your story about Trident Leasing in today's issue of Leasing News and, if the copy of the signed lease proposal that appeared in the story was clear and accurate, and if I am reading it correctly, it looks like Rick Clark signed it on September 18th, 2006, about four months from now.” Fred (Anderson) Studebaker-Worthington (You have a great “eye” and were the only one it appears to catch the date. Editor)
full story: http://www.leasingnews.org/Conscious-Top%20Stories/BB_Trident.htm --- Orange County Funder gets 30 years-- “True story. My brother converted to Mormon. He lives in Irvine, “Small world.” Scott Mackenzie full story: http://www.leasingnews.org/Conscious-Top%20Stories/Orange_County_Funder.htm --- Equipment Finance Group, Fresno, CA “AM INQUIRING ABOUT EFG.DO YOU KNOW WHAT IS GOING ON WITH THEM?I OWN A COMPANY IN N.Y. THAT GOT APPROVED FOR FUNDING IN DECEMBER OF 05.I NEVER GOT THE CHECK ALTHOUGH MY CHECK WAS CASHED.I KNOW THAT THE HAVE MONEY COMING IN FROM OTHER DEALS. I AM ON THE EAST COAST AND CAN NOT GET ANY INFORMATION PLEASE HELP IF YOU CAN.” TONY (Still get several of these inquiries each week; not as many as the previous month. Some say they have recent transactions they are concerned about. Last Leasing News heard was that EFG, now a Nevada corporation, was going to go into probate. editor) EFG stories: http://www.leasingnews.org/Conscious-Top%20Stories/EFG_Rumors.htm --- CLP, “The Industry Veteran” “Just wanted to say thanks…I enjoyed hearing from many old friends yesterday. It was a bit like reading my obituary, but not having to bother with the funeral.” Douglas R. Dawkins CLP Director Customer Finance Tyco Healthcare 877-654-1116 Tollfree Article: http://www.leasingnews.org/CLP/Doug_Dawkins.htm -------- Memorial Day Issue----collection “A very nice Leasing News for Monday. “Like your son, my son serves his country. His branch is the United States Army and he follows a tradition that goes back to his Revolutionary War ancestor, Boomer Jenks. “Thanks for your story. Again, very nice!” Peter O. Grass “I agree with your sentiments here completely as my flag is also flying ... and God bless your son and all his colleagues in what they do for us. Howie Weber “Thanks for yesterday's Leasing News. Hope things are well in your family. Good luck to Dashiell in his new assignment. “ Hal (Horowitz) “As a vet myself, I am thinking of your son this day and I want to thank him for serving in these trying times.” Rob (Day) “Nice article on the flag and thank your son for serving. I also have a son in the military. Sgt. Matt Jones, Ft. Meyer, Washington D.C. They are all amazing young men and women. We are grateful.” Doug Doug Jones “Thank you for remembering all of those who fought to make and keep this country of ours and many overseas free. “God Bless America” Cindy Spurdle “Very nice words. Thank you for your service to the country. Last night my wife and I watched ‘Pearl Harbor' and were moved by the heroism, commitment and sacrifice by the military. Virtually all my older male relatives served in WWI, WWII, the Korean War and/or VietNam. I grew up with great respect for the military. Thanks for the service of your family and may God bless and protect your son. “Thanks, too, for this great piece in honor of our country and its military today!” ---Fred Richmond Houston, TX “Hi Kit and thank you for an outstanding column today. “I took my Blue Star banner down when my son was discharged in January of 2005 from the 82nd Airborne after four years and two combat tours (Afghanistan and Iraq). “He's been in college since then and has decided to re-enlist this summer and go back to the 82nd. He misses the Army, he likes the Army and he's a very fine Infantry Soldier. OCS is his ultimate goal. “I simply told him that very few people actually do what they like to do, so Godspeed and go for it. “My banner < link below > will proudly go back in the front window when he raises his hand again. http://www.legion.org/?section=sup_bluestar&subsection=bluebannerfact& “Today, I am proud to participate in a ceremony at a War Memorial in Frazier Park, CA, a small town near our smaller town where we have a mountain home. “Blessings to you and yours and especially to Dash! “Thanks to you and your family for your service,” Terry Waggoner Former Sgt., 7th SF (Airborne)
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by Steve Chriest Anger and the 80% Rule All of us have, at one time or another, encountered a customer or a co- worker who became angry as we negotiated with them about business or personal matters. The most successful negotiators recognize the basis of anger and what to do when they encounter someone who is angry. First, it's important to understand what drives people to anger. There are three primary causes of anger – fear, hurt, and frustration. People exhibit anger when they are afraid of something, when they are hurting for some reason, or when they are simply frustrated. The customer who becomes angry because she cannot obtain the low, implicit interest rate that her boss asked her to secure from your company isn't angry because of the higher interest rate. That's just a number. The cause of her anger is most likely the fear she feels when she contemplates telling her boss she failed to secure the low interest rate he wanted. If for some reason beyond your control you aren't able to provide a service to a long-time customer, he may perceive your failure to help as a sign of his and his company's diminished importance to you and your company, and his feelings may be hurt in this process. These hurt feelings can manifest as anger directed toward you or your company. Sometimes people express anger simply out of frustration. I've often observed that no one appears upset, irritated or really angry when things are going their way! When a client or co-worker faces one too many obstacles in a day, their increasing frustrations may result in a display of anger directed at anyone within shouting distance. Although there are three primary drivers of anger, sometimes anger isn't driven by fear, hurt or frustration. In some negotiations, like labor contract talks, anger is used by experienced negotiators as a favorite tactic to coerce, intimidate and threaten the other side. This manufactured anger has become part of the way the labor contract negotiation game is played. Whatever the source of someone's anger, it's important to remember that your reaction determines, to a large degree, how the negotiation proceeds and ends. According to research done at the Harvard Negotiation Project, there is an 80% chance that you can influence, and even control the atmosphere and tone of a negotiation simply by mirroring the behavior you want from your negotiating partners. If you find yourself negotiating with someone who is angry, or irritated, and you want to control the tone of the negotiation, don't buy into their anger or frustration. Instead, remain calm, and listen carefully to what your negotiation partner says. At some point, in 80% of all cases, your negotiating partner will calm down and will begin to mirror your behavior. Very few people will argue with themselves or maintain anger when there is no reaction from the other side of the table! In tough negotiations, remember the 80% rule. By definition, it doesn't always work, but knowing that you have an 80% chance of controlling the tone and atmosphere in any negotiation, simply by mirroring the behavior you want from you negotiating partners, keeps the 80% rule on your side! Copyright © 2006 Selling Up TM . All Rights Reserved. About the author: Steve Chriest is the founder of Selling Up TM (www.selling-up.com), a sales consulting firm specializing in sales improvement for organizations of all types and sizes in a variety of industries. He is also the author of Selling Up , The Proven System for Reaching and Selling Senior Executives. You can reach Steve at schriest@selling-up.com. ---------------------------------------------------------------------------- Credit Managers Record Downward Trend
The National Association of Credit Management (NACM), headquartered in Columbia, Maryland, reports The Combined Credit Manager's Index (CMI) "Suggest Definitive Change In Economy."
“Only twice in over four years has the combined index fallen more, and all 10 of the components in the combined index fell. The size and breadth of the decline suggests a definitive, structural change that outstrips any random month-to-month change,” remarked Dan North, Chief Economist with credit insurer Euler Hermes ACI.
“Despite strength in recent government releases, it is likely that the combination of rising oil prices and interest rates continues to quietly erode the strength of the economy in the background,” North continued. As predicted last month, the Fed raised the Fed Funds rate to 5% in May, and it now seems likely that the Fed will ratchet it up another 25 basis points at the end of June to continue slowing the economy. “In the meantime,” he said, “crude oil continues to hover at near record prices, which also puts a significant drag on the economy.”
The National Association of Credit Management (NACM), headquartered in Columbia, Maryland supports more than 25,000 business credit and financial professionals worldwide with premier industry services, tools and information. NACM and its network of Affiliated Associations are the leading resource for credit and financial management information and education, delivering products and services which improve the management of business credit and accounts receivable. NACM's collective voice has influenced legislative results concerning commercial business and trade credit to our nation's policy makers for more than 100 years, and continues to play an active part in legislative issues pertaining to business credit and corporate bankruptcy. www.nacm.org. Here is the full report: http://leasingnews.org/PDF/CMI_May2006.pdf --------------------------------------------------------------- Shawn Halladay in China www.leasingnotes.com
Beijing is a fascinating city, and certainly one of contrasts. On the one hand, there are still vestiges of a slower time and place, such as the bicycles many people still ride, or the horse drawn cart full of watermelons that I saw in the city. It also is quite modern – both our hotels had free internet access which had great spam filters. Apparently, all email traffic into China flows through Beijing, where is goes through some form of censorship process. Although very minimal spam got through to me while there, a lot of legitimate email also did not, and I had trouble getting things sent out. What really struck me about Beijing, though, was the level of construction activity that was occurring, much of which I am sure is related to the 2008 Olympics. In one of the business areas of the city where I stayed, I could count around 30 tower cranes just by looking out the hotel window. Buildings were going up all over. Fascinating for me, of course, and great for manufacturers such as Manitowoc, but why bring it up? I think that, in terms of the global economy, the crane situation reflects much of what is going on with China – the growth of the Chinese economy is putting pressure on the availability of resources throughout the world with a concomitant increase in prices. Going back to the crane example, for instance, the Miami Herald recently noted the high demand for tower cranes in South Florida, where some rental companies have deployed 30-50% of their crane fleets. According to a quote from a developer in the article, ''In the old days, you could always get one. But today we're dealing in a commodities trade environment.'' This high demand throughout the world has increased lease rates for these cranes to around $30,000 per month. The same thing can be said for oil, steel, and other metals. Chinese demand has caused the prices of most commodities to increase substantially. Iron manhole covers now are being stolen faster than they can be replaced. Here in Salt Lake, we have a problem with people stealing the soccer goal posts and selling them for scrap. Certainly, we all feel the effect of high oil prices. True, there is a lot of opportunity in China, but this growth also is pointing out some harsh realities regarding limited resources that we tend to ignore. There is only so much oil and iron ore in the Earth. How are these nonrenewable resources going to be allocated, and will this cause a shift in power between the resource-rich and those without? Just think Russian natural gas and Venezuelan oil. If you are interested in China and want to get a good overview of how leasing works there, you can read the Equipment Leasing & Finance Foundation report that I and several other Alta principals authored. that I and several other Alta principals authored: http://leasingnews.org/PDF/China_Report_FINAL.pdf Subscribe to Leasing Notes: www.leasingnotes.com
--------------------------------------------------------------- Popular Leasing making settlements? Leasing News has received an unconfirmed report that “Popular settled with NY AG for 15% with a 3% discount if debt paid in lump sum” regarding NorVergence leases. In a recent article, Leasing News noted the settlement in Arizona, and was told Popular Leasing was actively pursuing this course in many other states rather than continuing to go to court, particularly in Texas. New York Attorney General Attorney General Eliot Spitzer and his staff were the first to obtain major settlements with funders of NorVergence leases. They lead the way for 28 other attorneys general offices and the District of Columbia to also obtain settlements, originally from the companies Spitzer was about to get from 100% to 85% of the money owed returned, including personal property tax and other fees, plus payments spread over a period of time at not interest, if requested. --------------------------------------------------------------- Popular, Inc. Declares Cash Dividend
SAN JUAN, Puerto Rico, -- The Board of Directors of Popular, Inc. declared a cash dividend of $0.16 per common share. The dividend is payable on July 3, 2006 to shareholders of record at the close of business on June 9, 2006.
Popular, Inc. is a full service financial services provider with operations in Puerto Rico, the United States, the Caribbean and Latin America. As the leading financial institution in Puerto Rico with over 280 branches and offices, the Corporation offers retail and commercial banking services through its banking subsidiary, Banco Popular de Puerto Rico, as well as investment banking, auto and equipment leasing and financing, mortgage loans, consumer lending, insurance and information processing through specialized subsidiaries. In the United States, the Corporation has established the largest Hispanic-owned financial services franchise, providing complete financial solutions to all the communities it serves. Banco Popular North America operates over 135 branches in California, Texas, Illinois, New York, New Jersey and Florida. The Corporation's finance subsidiary in the United States, Popular Financial Holdings, operates nearly 200 retail lending locations offering mortgage and personal loans, and also maintains a substantial wholesale broker network, a warehouse lending division, loan servicing, and an assets acquisition unit. PFH, through its newly acquired subsidiary E-Loan, provides online consumer direct lending to obtain mortgage, auto and home equity loans. The Corporation continues to use its expertise in technology and electronic banking as a competitive advantage in its Caribbean and Latin America expansion, through its financial transaction processing company, EVERTEC. The Corporation is exporting its 112 years of experience through the region while continuing its commitment to meet the needs of retail and business clients through innovation, and to fostering growth in the communities it serves. California Branch Opening! We are pleased to announce the opening of our newest in-store Wal-Mart branch in Beaumont on March 22nd, 2006! We are excited to have another new location to serve your financial needs. Thank you for choosing Banco Popular. ### Press Release ###########################
News Briefs---- Sovereign Bancorp closes controversial 3-bank deal Financial planner pleads guilty to bank fraud Many companies stashing their cash 1st-Quarter Home Prices Rise, but at Slower Pace High-end home market is down Mortgage demand dips as 30-year rate hits 4-year high of 6.66% Economy sends signals it is shifting to lower gear Cooked Books Close on Former Enron Broadband Exec NASD Ends Case Against Quattrone Honda Division Posts Best May Ever 11.4% Increase PAULSON CAN'T FIX THE ECONOMY 13-Year-Old New Jersey Girl Wins Scripps National Spelling Bee BANK EXEC IS FIRED AFTER SULTAN QUERY ---------------------------------------------------------------
You May have Missed--- Lady's luck runs out Folsom woman is accused of gambling with embezzled money http://www.sacbee.com/content/news/story/14262158p-15075557c.html ----------------------------------------------------------------
California News Briefs--- Democrats tear each other apart in California/ Schwarzenegger may get a free ride into re-election http://www.sacbee.com/24hour/politics/story/3300517p-12161596c.html Schwarzenegger to order troops to border ----------------------------------------------------------------
“Gimme that Wine” California wines beat the French -- again Taste-off proves California wines age best, too Even after 30 years of aging, state's Cabernets still tops French Bank Buys Taittingers St. Innocent Winery and Belle Provenance Vineyard Combine Forces to Create a New Winery in Oregon's Eola Hills (Great Pinot Noir) Wine-tasting and retreats at California monastery B.B. King, Herbie Hancock highlight Sonoma jazz festival Wine Prices by vintage US/International Wine Events Winery Atlas Leasing News Wine & Spirits Page --------------------------------------------------------------
Restaurant Review Leasing News invites readers recommendations, signed or un-signed.
831-624-2406 Open Daily: Great bar area, too
When the weather is good, we sit outside in the small patio. They allow you to take your dog here, and we have had lunch with our late black Labrador (Samantha) by our table. I plan to take our new black lab, Bode, when he is six months old. In the summer, dinner is nice outside, too. We always enjoy this restaurant, its staff, food, wine, and even dessert. Parking is easy at the main lot a block away or underneath the shopping center, where our favorite woman's fashion store is: Slyvie's. (we also can park here as this is one of the best kept secrets in Carmel). Anton & Michel have an excellent wine list, very reasonably priced as they have collected for years. Food, service, moderately priced for the great quality, you will not be disappointed. The fish is fresh and delicious. I have had the lamb pot pie, chicken dishes, Monterey Sand dabs, pasta is outstanding, and always the soup of the day. Service has always been excellent. The maitre de even brought a bowl of water out for our dog. There are many excellent restaurants in Carmel, but we note the locals like to eat here. The restaurant also had two others in the area, both also take dogs (one is inside.) You can be casual, if you like, but most of the gentlemen wear jackets, I have noticed. This is where the very well-to-do Carmel people like to eat, I have noticed, and there are also a lot of younger couples, who seem to come here for the romantic atmosphere, too. http://www.carmelsbest.com/antonmichel/index.html (for other reviews: please go here: ----------------------------------------------------------------
Calendar Events This Day Bahamas: Labor Day Bhutan: Coronation Day Bulgaria: Hristo Botev Day Donut Days I Love My Dentist Day Italy: Republic Day National Bubba Day National Leave the Office Earlier Day Shavuot or Feast of Weeks United Kingdom: Coronation Day ----------------------------------------------------------------
Today's Top Event in History 1863 -- Harriet Tubman frees 750 slaves in raid. This former slave and abolitionist James Montgomery lead 300 African American troops of the Union's Second South Carolina Volunteers on a raid of plantations along the Combahee River. Backed by three gun boats, Tubman's forces set fire to the plantations and free 756 slaves. American history also shows her as the first woman to lead military troops into action. http://www.nps.gov/boaf/harriettubman2.htm ----------------------------------------------------------------
This Day in American History 1692-As the village of Salem was gripped by terror of witches, Massachusetts Bay Colony governor Sir William Phips ordered a special court create on May 217,1692, to expedite judgment of the more than 150 people accused of witchcraft. Unpopular resident Bridge Bishop, first accused in April, was the first on the jailed brought to trail on June 2. At her April examination her accusers—teenaged girls---had collapsed in fits as she appeared but Bishop adamantly denied the charges. “I am not witch—I known not what a witch is.” She was convicted June 2 and hung June 10. --------------------------------------------------------------
Baseball Poem A Baseball Family Album Without the iconic numbers We recognize their faces They have become family We have memories Written by Gene Carney -------------------------------------------------------------- SuDoku The object is to insert the numbers in the boxes to satisfy only one condition: each row, column and 3x3 box must contain the digits 1 through 9 exactly once. What could be simpler? |
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