Add me to mailing list    |           |      Search

Advertising | All Lists | Archives | Classified Ads | This Day In American History


Friday, March 12, 2010

("In My Life" tribute to
deceased artists at the 82nd Academy Awards.)

Singer/Songwriter James Vernon "Sweet Baby James" Taylor born March 12, 1948 Boston, Massachusetts; "Fire and Rain," "You've Got a Friend", "Carolina in My Mind," among many hits. A five-time Grammy Award winner, Taylor was inducted into the Rock & Roll Hall of Fame in 2000.
Here is the Beatles’ original (Taylor’s version not available):


LEAF Specialty, Columbia, SC – Update
 Classified Ads---Controller
  The List—Updated February, 2010
   Placard---Looking Back
From the Desk of Michael J. Witt, Esq.
 “Documentation” Fees, Semantics and a War Story
   Classified ads—Help Wanted
 March CLP Circular---Shari Lipski,CLP/Mona James,CLP
  Fernando Croce Movie/DVD Reviews
   Alice in Wonderland/The Ghost Writer
    Broken Embraces/Armored/Princess & the Frog
 Pensacola, Florida---Adopt-a-Dog
  “Frank likes to talk at 5pm”
   by Christopher Menkin
News Briefs ---
 CIT Closes $667 Million TALF
  Growth rate nonradiologists owning/leasing PET
   Restaurant owners charged in check-kiting scheme
    Woods won't return to Tour before Masters
 You May have Missed---
  Sports Briefs---
   "Gimme that Wine"
    Today's Top Event in History
      This Day in American History
        Winter Poem
          Daily Puzzle
  Weather, USA or specific area
     Traffic Live----

######## surrounding the article denotes it is a “press release”


LEAF Specialty, Columbia, South Carolina – Update

Dwight Galloway, CLP, President, Leaf Specialty Finance

This basically is to correct a story last year where Leasing News incorrectly stated the servicing of this broker division is being done by the parent company in Philadelphia, Pennsylvania. That is not correct. Dwight's operation is independent, approving leases and taking care of all the servicing.

He says things are going along very well as can be expected. He believes this is the best time for a broker who has survived to find businesses who have survived and pick up vendors abandoned by others no longer in the leasing business or being serviced.

He believe the recession is "technically over," but the recovery will be long, at least two years, and he says he sees that as opportunity for those with the staying power and ability to cultivate good business.

He's going to be at the NEFA Conference, he’ll explain his viewpoint to you if you meet him there, and wants Leasing News to plug the event:

March 19-21
NEFA Spring Conference
The Fairmont
Dallas, Texas


Panelists sessions moderated by Jim Merrilees, CLP, QuikTrak

Funding Panelists include:
* Steve Crane, CLP, Bank of the West
* Dwight Galloway, CLP, LEAF Specialty Finance
* Terey Jennings, CLP, Financial Pacific Leasing, LLC
* Curt Kovash, U.S. Bank Manifest Funding Services
* Gary Souverein, Pawnee Leasing Corporation
* Paul Usztok, GreatAmerica Leasing Corporation

Lessor Panelists include:
* Brian Bjella, Grandview Financial, Inc.
* Greg Wells, Five Point Capital, Inc.

Session organized by Charlie Ehlers, U.S. Bank Manifest Funding Services


Bernie Boettingheimer, CLP, Lease Police will be covering
the conference with a report for Leasing News readers.

((Please Click on Bulletin Board to learn more information))
(Leasing News provides this ad “gratis” as a means
to help support the growth of Lease Police)


Classified Ads---Controller

Chicago, IL
experienced in lease accounting, operations, management, and Sarbanes-Oxley. Seeking position with equipment lessor. Would consider contract assignments or relocating.
Southeastern, MI
Controller & Management experience w/ equip lessors &broker. MBA, CPA w/ extensive accounting, management, securitization experience with public and private companies. Willing to relocate.
Acton, MA
Strong experience in lease accounting, operations, & systems.  
Implemented lease plus, Great Plains, networks.
Excellent financial reporting and analysis skills. Looking for new opportunity.
LinkedIn| Resume

Southern CA
20 years exp. as hands-on leasing CFO, managing accounting, treasury, FP&A, including securitizations, Great Plains/FRx, budgets, risk management.  MBA.  Also available as interim Controller/CFO, consultant.


For a full listing of all “job wanted” ads, please go to:

Other e-Mail Posting Sites:


The List—Updated February, 2010

--- Mergers, Acquisitions & Changes
"The Good, the Bad and the Ugly"

Chronological Up-dates

Alphabetical Up-dates

January, 2010 Synopsis:

Brican America, Miami, Florida (02/10) Lawsuit between Brican America and PSFS Dismissed (02/10) Dentists and optometrist on various blogs state not receiving advertising payments which make the lease payments.

Axis Capital, Grand Island, Nebraska (02/10) Receiver eyes Triton investment in Axis Capital(02/10) Triton Financial? Hayman $600MM Investment

Evans National Bank (02/10)-Evans Bank Ceases effort to sell lease portfolio

Lakeland Bank , Oak Ridge, NJ (02/10) Cuts down leasing business.

Marlin Leasing, Mount Laurel, NJ (02/02) Shows $179,000 profit 3 months end December 31, 2009, with major cuts, insurance fees, Evergreen leases

LEAF, New Jersey (02/10)1st Quarter Down 69%; Down to 271 employees to 377 year before:

Tygris Commercial Finance Group Chicago, Illinois (02/10) Tygris to operate as division of EverBank; Chicago office downsized to handle MarCap portfolio, operation to run from Parsippany, basically the USXL operation with the top executives and experience.

Manifest Group (US Bancorp) (02/02) To require all brokers and discounters in the US who do business in California to have a CA. Finance Lender's License

Equipment Acquisition Resources, Palatine, IL. (02/10)E.A.R BK Trustee sues I.R.S for $4.7 Million



Meet and learn from Mr. Terry Winders, CLP

Leasing #102 columnist for Leasing News,
long time educator and trainer

Sales and Operations
click here for course information and to register

April 12th until Noon on the 14th
Seattle, Washington
Hosted by Financial Pacific

$395.00 Paid in Advance for first person from company
$345 with each additional attendee 

"Certified Leasing Professionals attending this seminar will earn CPEs (Continuing Professional Education)
Credits toward their recertification"

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



“Documentation” Fees, Semantics and a War Story

Anyone who pays attention to what is now going on Congress and a number of state legislatures knows that watchdog debtor-protection advocates are pushing for all kinds of reforms relating to fees that banks and finance companies should be allowed to charge their customers. Leasing and lending activity is at a multi-year low, and many lessors, banks and finance companies are trying to make up for decreased revenues by increasing the ancillary fees they charge their customers. “Fee ripoffs” is becoming a household expression.

Generally, the law relating to commercial leasing and lending allows a lessor or lender to charge “reasonable” fees, provided the fee is adequately disclosed to the customer beforehand. Having said that, though, the fee must be adequately described and detailed. If the right contractual language is not used, then a pitfall awaits the unwary lessor or lender.

Here’s a small war story from my days as an in-house equipment finance attorney:

A discounter charged his lessee a $349 fee described in the application simply as a “Documentation Fee.” Ten days later, he sold the transaction to my company. A few days later, we filed a UCC financing statement and charged our out-of-pocket costs to the lessee, which was permitted under the lease. Upon receiving the invoice containing the UCC charge, the lessee had had just about enough. A critical mass of perceived abuse formed in his thinking. He refused to pay the UCC filing fee and, while he was at it, questioned the legality of the $349 “documentation” fee.

A small-ticket lease documentation set takes the average broker or discounter just about four-and-a-half minutes to complete, by my estimate. The discounter fills in about ten boxes on the form, and he’s done. Meaning: this particular lessee had a valid point. From his perspective, the fee was a ripoff. When he called us to complain, we referred him back to the discounter, who agreed to refund all but $100 of the fee.

The moral of the story? You can charge your customer a reasonable fee for putting the transaction together, but you’re skating on thin ice if you call it a “documentation” fee. Use a more expansive term like “processing fee.” (Avoid “origination fee” because some states have statutes limiting what can be charged as an “origination” fee in loan transactions, and it’s possible they could apply to your “nominal” lease transactions.) In your document, disclose that the fee is intended to cover the broad panoply of work that goes into getting the deal done for the lessee. State that the fee covers a multiplicity of pre-transactional work, “including but not limited to” activities such as credit investigation time and expense, the cost to obtain credit bureau reports, and the documentation of the transaction.

In short, the law will usually charge you with the obligation to be precise in your terminology. It will hold no sympathy for your argument that, in using the term “documentation” fee, “it’s simply a matter of semantics.”

Michael Witt was Managing Counsel at Wells Fargo & Co and Senior Vice President and General Counsel of Advanta Leasing Corporation. He is now in private practice in Iowa.
Michael J. Witt Law Offices
4342 Oakwood Lane
2nd Floor
West Des Moines, IA 50265
Tel: (515) 868-1067

Previous Columns:

(This ad is a “trade” for the writing of this column. Opinions
contained in the column are those of Mr. Michael Witt, Esq.)


Leasing Industry Help Wanted


Set Yourself Apart and Prosper

Interviewing highly skilled professionals
Motivated by success, rooted in integrity
Exclusive funding sources. Full Med/401(k)
Click Herefor more information.
Submit Resume To:

About the Company: With over 10 years in business, Strada Capital Corporation exists to provide customized commercial finance solutions through our unique customer-centric approach. Our boutique firm is steadfast in providing personal attention, swift turnaround and extraordinary customer experiences.
Visit us at


Please see our Job Wanted section for possible new employees.


March CLP Circular

The March Certified Leasing Professional circular discusses how to find a job in this tough economy, as well as other information, and introduces Shari Lipski, CLP, and Mona James, CLP:

Shari Lipski, CLP
ECS Financial Services

How did you get started in leasing?
The temporary agency called and said they had a two-week assignment; I would start at 1:00 pm on March 27th, 1988. I arrived at Public Funding Corporation and quickly became the head stamp putteroner/envelope licker when the girl I was substituting for called that afternoon and said she was never coming back! Within a few years I was V.P. and stayed with the company for ten years until shortly after it was sold to First Sierra Financial. I passed the CLP exam in 1999 shortly before I joined ECS Financial Services where I proudly call home for the last ten years. OMG! I'm old!

What do you enjoy most about your job?
It's not a job. I couldn't just sit still doing nothing. That's not me. I enjoy what I do, I love my clients, and giving the staff a hard time. It's a good feeling when I can help others understand the tribulations of tax administration, help a bank or vendor start a leasing operation, or to work with a fellow leasing enthusiast that dreams of trading-in their broker hat and becoming an independent lessor. I'm extremely fortunate to work with a fantastic team. I feel honored to have been given the opportunities in life to challenge myself, to learn and to grow, while still making a buck.

What are the biggest challenges in your day?
The biggest challenge in my day is getting people to return my call so I can sell them our services. LOL.

What does your perfect day start with?
My perfect day starts when I can smell my coffee and not dog poop. ;) My husband recently bought me a Keurig Single Cup Coffee Maker so I could enjoy a perfect cup of coffee while I endure a long walk upstairs to my home office. If you don't have a Keurig, you need to get one. Trust me.

In the movie about your life, who would you cast to play you and what kind of movie would it be?
Candice Bergen and it would be a dramatic-comedy. LOL

Would you like to share an interesting hobby or accomplishment?
Ha, would I. I don't think there is anyone that has met me that doesn't know I love puppy dogs. The short story.... I currently have five female Belgian Malinois' and own a dog boarding and training business with my husband Phil Behun. My favorite dog sport is agility. I've been competing since 1998 and show about 30 weekends a year. I will be competing internationally for the third time with my 7 1/2 year old Tisa this May at the FMBB Agility World Championships, in Cottbus, Germany. Go U.S.A.!

If you could transport yourself anywhere instantly, where would you go and why?
I'd love to be on an island with my husband and all those that we care about for a month long vacation with no hassles, problems, TV, emails, or cell phones. Then when we come back...the world would have righted itself. 'What a wonderful world it would be." Louis Armstrong



Mona Janes, CLP
Tenet Financial Group

When did your career in equipment leasing begin?
My leasing career began in the late 80's when I answered a small ad in the newspaper for a position as a "Credit Investigator" with Century Financial Services in Chesterfield, Mo. I worked directly for the late "Bob Baker, CLP".

In 1995 I moved my focus to the newly formed 'Wildwood Financial Group" and worked side by side with Bob to create a "Business Opportunity" for individuals who wished to enter into the Equipment Leasing Industry. This opportunity has given me great advantages to learn and grow within the leasing industry, meeting wonderful people along the way.

My years of experience and hard work over the years allowed me opportunities to hold various positions including Credit Manager, Collection Manager, Documentation Supervisor, Sales Manager, and Executive Vice President of Sales.

Today I am the Vice President of Tenet Financial Group, located Benbrook, TX. Tenet Financial Group assists new Franchise start-ups to secure funding to capitalize their business. Our focus is to assist clients by utilizing their 401k/ IRA funds, as a way to fund their new business. Since there are many cases where our clients simply require additional funding, we assist with SBA Loans, Conventional Loans, and Equipment Leasing.

It is very rewarding to have the ability to help future Entrepreneur's achieve their goals.

What does your perfect day start with?
It begins with hug and a kiss from my 10 year old son Hunter; when he wakes up in the morning there is nothing in the world that could compare to those arms that wrap around you and "Says good morning mom I love you"

Who is one of your heroes?
The late" Bob Baker"; truly a man who will hold a very special place in my heart and a crazy man that never let me give up. He will forever remain my hero for his determination and believing in me...

Full March CLP Circular:


Fernando’s View
By Fernando F. Croce

New releases offer choice entertainment for kids (“Alice in Wonderland”) and adults (“The Ghost Writer”), while DVD watchers will have a chance to catch up with Oscar nominees (“The Princess and the Frog”) as well as movies that should have been nominated (“Broken Embraces”).

Alice in Wonderland (Walt Disney Pictures): A specialist in mischievous fairy tales (“Edward Scissorhands,” “The Nightmare Before Christmas”), Tim Burton would seem like the ideal director for bringing Lewis Carroll’s immortal whimsical fantasy to the screen. In this visually striking new adaptation, Alice (Mia Wasikowska) falls down the rabbit hole and finds herself surrounded by the fantastical creatures of Wonderland. There’s the Cheshire Cat, the Mad Hatter (Johnny Depp), the Red Queen (Helena Bonham Carter), the White Queen (Anne Hathaway), the Blue Caterpillar (Alan Rickman), and Twiddledee and Twidledum (Matt Lucas). Boasting eccentric turns and imaginative imagery, it’s a rollicking version of a tale that remains as spellbinding as when it first came out. Make sure to catch this one on 3-D.

The Ghost Writer (Summit Entertainment): Roman Polanski (“Rosemary’s Baby,” “Chinatown”) delivers another modern classic in this alternately chilling and blackly comic tale. The story follows a talented writer (Ewan McGregor) who is hired to ghost write the memoirs of a controversial British prime minister (Pierce Brosnan) after the mysterious death of the previous biographer. Surrounded by lawyers, servants and protesters, he moves into politician’s private beach manor to work on the book and instead starts his own private investigation while unwisely getting involved with his subject’s wife (Olivia Williams). Polanski is a master at creating a mood of sardonic unease, and he’s in fine form here with a splendid cast that also includes Kim Cattrall, Tom Wilkinson and Eli Wallach. A witty and elegantly unsettling film.

Netflix tip: In case the screenings for the new “Alice in Wonderland” is sold out, use your Netflix queue to check out the earlier versions. There’s the classic 1951 Disney animated version, of course, but be sure to also visit the fascinating 1933 live-action version (with an all-star cast that includes Cary Grant and Gary Cooper) and the 1985 drama “Dreamchild,” a lovely account of the real-life Alice who inspired author Lewis Carroll’s stories.

New on DVD:

Broken Embraces (Sony Pictures Classics): Twists and turns abound in this smart and resonant whodunit set in Madrid. Harry Caine (Lluis Homar) is a blind writer who lives peacefully with the aid of his former PR agent. However, news of the death of an elderly millionaire dig up old memories and reveal secret identities as we learn that, years before, Harry was a film director named Mateo Blanco. Did his involvement with the producer’s gorgeous mistress (Penelope Cruz) lead to his double life? Another voluptuous, emotionally rich gift from Spanish director Pedro Almodovar (“All About My Mother”), this stylish thriller will keep you at the edge of your seat until the last frame with its mix of suspense and poignancy. With subtitles.

Armored (Sony): Solid genre pictures are rare these days, so it’s gratifying to see the sturdy mix of action and character development in this mostly overlooked heist-gone-wrong thriller. Ty Hackett (Columbus Short) is a war vet trying to make ends meet with his new job as an armored car guard. When hard economic times threaten his home and family, his co-workers (including Matt Dillon, Laurence Fishburne and Jean Reno) get together to help him out. Unfortunately, their idea involves robbing their own company with a plan that quickly turns bloody. Though it’s not without its plot holes, the movie works to a rousing conclusion thanks to its feeling for working-class people, believable performances, and expert direction by Nimrod Antal (“Vacancy”).

The Princess and the Frog (Walt Disney Pictures): Disney Studios ditches computer pixels for old-school painted cells with this high-spirited romantic fantasy, which was up for Best Animated Feature at the recent Oscars. Taking the clichés of fairy tales to New Orleans during the Jazz Age, it tells the story of Tiana (voiced by Anika Noni Rose), a beautiful young woman whose hopes of meeting the man of her dreams come true when she crosses paths with Prince Naveen (Bruno Campos). The only problem is that the Prince has been turned into a frog by a witch! Offering the time-honored Disney combination of sweet romance, colorful tunes and endearing sidekicks, the movie is a pleasing throwback to the studio’s pre-Pixar golden years.


Pensacola, Florida---Adopt-a-Dog

Shepherd [Mix]
Large Young Female Dog Pet ID: 14854202

“CoCo is about 1 year old and is a shepherd mix. She is a sweet dog but needs to get to know you. She loves older kids and would love to have a family. Please come by and visit with her. This dog does need a privacy fence as she does climb fences!!

“CoCo is up-to-date with routine shots, house trained and spayed/neutered.”

This page has a video of Coco:

* Pensacola, FL
* 850-432-4250

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

Adopt a Pet


“Frank likes to talk at 5pm”
by Christopher Menkin

(This is fiction; all names, places, circumstances are fictional.)

Somehow Frank Sanchez knew when his partner Larry Faber was back in his office. It was 5:15 pm. Frank’s office was on the first floor, to the back, and Larry’s was on the second floor, at the top of the stairs. As soon as he opened the door, here came Frank, who was tall, athletic, and took the stairs with a landing in the middle two at a time, almost as if he was running a hurdle race, as his long legs seemed to jump him to the next level.

Most of the time, Frank would come to his office around five pm, bringing his pack of cigarettes, and often a brandy on ice. It puzzled Larry why Frank liked to talk to him so much. They were quite different. He thought Frank came to his office in case his wife made a surprise visit and caught him smoking. He told her he had given it up. He had not.

Frank was in his early fifties, an ex-marine, Lt. Colonel at that, business degree from Stanford, main business as a “landlord,” didn’t care about politics and his world was running marathons and playing tennis.

Larry was 38, captain of a softball baseball team, played golf, went to all the Cal sports events, baseball, basketball, football, soccer, and rugby, he said. His favorite sports were golf and softball. He was Captain of a softball team composed primarily of cops, and they won tournaments. He played golf when he could. He was active in the Cal Alumni and still met with his old fraternity brothers, ironically most of them dentists, and also Jewish.

Larry was a practicing Jew, serious about it, while Frank was a Catholic who never went to mass. Frank instead would run for two or more hours on Sunday, his wife said because he didn’t’ want to go to Mass.

Larry put Digital computer systems together with C+ software, selling them primarily to dentists starting at $65,000. The two of them had formed San Francisco Valley Leasing.

Frank didn’t know Larry was not back yet, and as he arrived, he watched Frank leap up the stairs. He was thinking of coming back later, but also realized Frank didn’t stay that long. It irritated him, but at the same time, he looked forward to the visits. He wondered why he had visit him all the time? Frank didn’t like politics, or talk about it. Ronald Reagan had just been elected president and as a liberal democrat he was furious. He remembered when Reagan attended John Birch Society in the Pacific Palisades. He wasn’t a member, but had many friends who wanted him to join. Frank didn’t seem to care one way or the other. He didn’t want to talk about it. He thought Frank voted for Reagan, and wanted to avoid a disagreement. He talked about his clients, accountant, attorney, and business stories they had told him, or what he did that day, almost as a recap. Sometimes Larry would be direct that he had some work to do, but rarely did that stop Frank from visiting or wanting to talk with him.

He thought the country was going to hell in a hand basket. Frank didn’t seem to care one way or the other. He thought Frank voted for Reagan, but he never talked about it. He talked about his clients, accountant, attorney, and business stories they had told him. Sometimes he would be direct that he had some work to do, but rarely did that stop Frank from visiting or wanting to talk with him.

“I’ve got you some smoked bass,” he said, handing him an aluminum wrapped long bundle. “It comes from Steve Irving.”

Larry took it, looked at it.

“Steve Irving is a bass fisherman who goes to Lake County. He has won trophies and awards. Most of the time he throws the fish back, but since this was such a large one, the largest he ever caught, all by himself in his boat, he had it smoked. He gave me two pieces, so I thought you should have one, too.”

Frank owned the building Larry’s company was located. He also was the money man behind the leasing company as he had inherited a lot of land from his family and continued to buy and develop land in Mountain View and East Palo Alto, mostly on the east side of Highway 101. He owned many buildings, although old, plus land that was still being farmed.

“I thought you should have the smoked bass because if we hadn’t have formed San Francisco Valley Leasing, Steve Irving wouldn’t have given it to me.”

Frank moved some boxes and equipment from a chair in Larry very messy office, full of boxes, computer parts, software boxes, and sat down.

“When we first started, I decided to walk this small industrial tract on the other side of 101. I would walk right in, tell the reception or whoever that I was in equipment leasing and was there anything that they needed. One of them was Steve Irving. He invited me into his office. He had all these fish trophies on the wall, photographs, fishing polls, pictures of himself with fish, and you could immediately see what he was interested in.

“I sat down on the couch and Steve Irving said he was interested in buying a new laser machine. He had two already, was mainly engraving parts and also retail awards for local trophy stores. He had the cash for the machine, $40,000. He said he owned the building. He didn’t need to lease. He was making a lot of money, so why would he ever want to lease equipment when he could own it.

“I told him he could get two machines and keep the cash to expand into the marketplace. He would own the machine at the end. He could leverage what he had, dominate the marketplace. He told me it took from six to eight weeks to get a machine. And why would he want to pay interest when he could make interest on his cash?I told him if he was doing so well, he could write it off faster than depreciate it, work on someone else’s money and not worry how long it took his new customers to pay him.

“Steve Irving seem to like that. He explained more what he was doing, took me for a tour of his plant, and I learned more about his business. He gave his secretary the application to complete, while he got out his financials. He said he was only interested in one machine. I told him he should get two, and hold one as a demo to sell, since the manufacturer was back east and had not rep on the West Coast. He said why would he want to increase his competition? I told him if business was that good, others would follow, and if he became a rep selling the machine, he would take the orders in other states, slowing down his local competition here, or choosing who his competition might be or point them in another direction. Man, did he light up! It was almost as if he caught a bass.

“So he leased two machines, one that he would then sell and I would lease to his customer, mostly in Oregon and Washington. Then he started to get orders here, moving his older machines by San Francisco Valley Leasing and utilizing the latest ones for local competition.

“He brought the smoked bass to me as he appreciated how I had helped his business grow. He also recommends me to his friends and customers. I’ve gotten a lot of business from him, and he appreciates what we do for him and for his customers.”

Larry opened the aluminum wrapper and looked at the fish.

“Too bad we don’t have any crackers here, “ Frank said.

Larry took some of the fish meat between his thumb and finger, putting it in his mouth.

“Tastes very good, “he said. “ I think I have a gay cop on my softball team.”

“Why is that?”

“Well, when these good looking girls come by the games, he never turns and looks at them. But when a young guy comes around he turns and watches him.”

“So what?”

“Well, he is about my age, a sergeant, too. Sometimes he brings this older guy, has a beard, looks like a college professor to the game. They never join us for beer afterwards.”

“So if he is bothering you, why don’t you talk to him about it.”

“I can’t! “ Larry almost shouted. “He is our best hitter. Over five hundred, and plays right field like a pro. I don’t want to lose him. The team doesn’t want to lose him. He’s our most valuable player!”

“I had a guy in Viet Nam like that, a marine, too, “Frank said. “Except if the others knew, they would have either beaten the crap out of him, or perhaps put a bullet in the back of his head during a mission. He was a lead man. Saved many lives in the field, too. One night he told me about who he was in private. He thought because he was doing such a good job the other men would overlook it. I told him it was better to say nothing. Keep it private. It was his business, not theirs.

“I did a building lease with a gay guy from San Francisco. He was opening up a store in Redwood City, like the one he had in San Francisco, and needed a small warehouse as he imported most of his leather goods. When he found out I was also in leasing, he wanted me to do the counters and cash register for the new store. So I went to the new location, which looked good to me, and he thought he would also put the new cash register in his San Francisco store, so I visited him there to get financial statements. It was on Polk Street, right off Bush. Mostly small leather stuff, motorcycle, other clothing made of leather. I told him I noticed he didn’t have any leather jackets. He said he couldn’t compete with the department stores or others who sold leather jackets. I told him he was missing a bet, as once in the store, he would get sales from impulse buyers.

“He was worried about theft, and I told him to do what department stores were doing with these wire locks. He said I would be surprised what his customers tried to steal. He said his employees were worse. Ironically, his shop was located in an old butcher store, with the meat hooks still in the back room. I told him to spend the money and get rid of them, make the back room more employee friendly, have soda’s and snacks for them. I suggested he try selling leather jackets in the Redwood City stores, and if it worked, to try here on Polk. I think he had respect for me because I owned the warehouse, was part of San Francisco Valley Leasing with you, so he gave it a try.

“Not only did it take off in Redwood City, it became his best seller in San Francisco. He also pays his leases two months in advance. Now that is the kind of lease customer you want.”

Previous San Francisco Valley Leasing stories:


News Briefs----

CIT Closes $667 Million TALF-Eligible Equipment Lease Securitization

Growth rate of nonradiologists owning or leasing PET equipment higher than radiologists

Restaurant owners charged in check-kiting scheme,0,5638498.story

Woods won't return to Tour before Masters



You May have Missed---

Premier Financial Services sues Actor Nicholas Cage


Seven costly pro athlete screw-ups

Raiders interested in Terrell Owens?



“Gimme that Wine”

The 2007 Burgundies Pose a Puzzle for the Experts

Wineries move beyond tastings to become true destinations

Vineyard Defaults Surge as Bargain Wines Hurt Napa

Free Mobile Wine Program

Wine Prices by vintage

US/International Wine Events

Winery Atlas

Leasing News Wine & Spirits Page

The London International Vintners Exchange (Liv-ex) is an electronic exchange for fine wine.


Today's Top Event in History

1955 - “ Bird Lives:” Jazz alto saxophonist Charlie "Bird" Parker dies in New York City of heart failure. He more-or-less invented the be-bop form of music and just the week before played at the New York City jazz club Birdland, which was named after him. Charlie Parker was 34 years old. Among several streets in New York, written in chalk on the sidewalk, "The Bird lives." The tradition continues on this day, at least here in Saratoga, California. (national register of historic places)


This Day in American History

    1609-Quite by accident, Bermuda was colonized. The ship of Admiral Sir George Somers, taking settlers to Virginia, was wrecked on the reefs of Bermuda. The islands had been discovered in the early 1500s, but were uninhabited until 1609.
    1613-The first colonial warfare between England and France in America occurred at Mount Desert, ME, where Father Pierre Biard, superior of Saint Sauveur, had established a settlement of French Jesuits. The settlement was attacked by an English expedition under the command of Captain Samuel Argall. His aim was to suppress piracy and defend England’s claim to the country, which was based on explorations made by John and Sebastian Cabot in the 15th and 16th centuries. The seas around
this area were also ripe with fish and European countries would set sail for the area just
for the fishing.
    1664 - The Duke of York obtains a grant that gives him authority over all lands between the Connecticut and Delaware Rivers. This land grant includes all Dutch holdings in North America.
    1676 - Indians attack Plymouth, Massachusetts.
    1773- French-African Jeanne Baptiste Pointe de Sable founded settlement now known as
Chicago, Ill, 1773
    1831-Clement Studebaker was born in Gettysburg, Pennsylvania. Clement and his brother, Henry Studebaker, founded H. & C. Studebaker, a blacksmith and wagon building business in South Bend, Indiana. The Studebaker brothers made their fortune manufacturing carriages for the Union Army during the Civil War. By the end of the war, the Studebaker Brothers Manufacturing Company had become the world's largest manufacturer of horse- drawn carriages. With the advent of the automobile, Studebaker converted its business to car manufacturing, becoming one of the larger independent automobile manufacturers. Another major war would effect the company's fortune almost a century after its founders had benefited from the demand caused by the Civil War. During World War II, Studebaker manufactured airplane engines, trucks, and weasels (small military vehicles) for the war effort. Like many of the independents, Studebaker fared well during the war by producing affordable family cars. As their advertisement claimed, "Studebaker is building an unlimited quantity of airplane engines, military trucks, and other materiel for national defense... and a limited number of passenger cars, which are the finest Studebaker has ever produced." However, after the war, the Big Three--GM, Ford, and Chrysler--bolstered by their new government-subsidized production facilities, were too much for many of the independents, and Studebaker was no exception. Post-WWII competition drove Studebaker to its limits, and the company was absorbed by the Packard Corporation in 1954.
    1877-- David McKendree served as postmaster general in the cabinet of President Rutherford B. Hayes this day until August 24,1880. McKendree was a lieutenant colonel in the 43rd regiment of Tennessee and had been wounded and captured at Vicksburg. He also was a U.S. Senator. The appointment was quite controversial at the time.
    1884 - The State of Mississippi authorized the first state-supported college for women. It was called the Mississippi Industrial Institute and College.
    1896 -- Jesse "Lone Cat" Fuller born, Jonesboro, Georgia. A country blues singer and one-man-band, he wrote the classic "San Francisco Bay Blues," among many other songs, and influenced numerous early-60s white folk-blues artists.
    1888-One of the most devastating blizzards to hit the northeastern US began in the early hours of Monday.. A snowfall of 40-50 inches, accompanied by gale-force winds, left drifts as high as 30-40 feet. More than 400 persons died in the storm (200 at New York City alone). Some survivors of the storm, "The Blizzard Men of 1888,' held annual meetings at New York City as late as 1941 to recount personal recollections of the event.
    1901---Andrew Carnegie donates $5.2 million to build 65 branch libraries in New York; between 1900 and his death in 1919, Carnegie used his vast his riches to establish over 2500 libraries. He believes reading is very important. In 1775, less than 60% could read, not including slaves which was a lot higher, and women, reportedly 75% could not read or write. The free education system through reading brought “equality” and a better style of life for the entire country.
    1903 -The New York Highlander franchise (to be renamed Yankees in 1913) is approved as a member of the American League.
    1904-Raphael Hawaweeny was ordained Eastern Orthodox bishop of Brooklyn, NY, at St. Nicholas Church. As a vicar under the Holy Synod of the Church of Russia, Hawaweeny thus became the first Russian Orthodox bishop ordained in America.
    1912- Juliet Low founded the Girl Scout of the USA at Savannah, Georgia. As is the tradition, Girl Scout cooks are on sale during this week. At first, the girls weren’t called Girl Scouts at all. They were called Girl Guides until the name was officially changed a short time after the group’s founding.
    1917- Earl Heywood, known as "Canada's Number-One Cowboy Singer," was born in London, Ontario. He began his career in 1941 on CFCO in Chatham, Ontario. The following year he moved to CKNX in Wingham, where he remained as a singer and announcer for more than 35 years. Heywood appeared for almost 20 years on the weekly "CKNX Barn Dance" and was host for "Serenade Ranch" from 1946 to 1953. Heywood and his Serenade Ranch Boys recorded 18 songs for RCA Victor, the most popular of which was "Alberta Waltz."
    1917-Chess record producer Leonard S. Chess born Motol, Poland.
Without the two Chess brothers most of the blues songs would not have been recorded, or influenced the Rock’n’Roll musicians that followed,,414291,00.html?artist=Leonard+Chess
    1918-Organ player Sir Charles Thompson born Springfield OH
    1922- American poet and novelist Jack (Jean-Louis) Kerouac, leader and spokesman for the Beat movement, was born at Lowell, MA. Kerouac is best known for his novel On the Road, published in
1957, which celebrates the Beat ideal of nonconformity. Kerouac published The Dharma Bums in 1958- followed by The Subterraneans the same year, Doctor Sax and its sequel Maggie Cassidy in 1959; Lonesome Traveler in 1960, Big Sur in 1962 and Desolation Angels in 1965. Kerouac died at St. Petersburg, FL, at age 47, Oct 21, 1969. A previously unpublished part of On the Road called Visions of Cody was published posthumously in 1972.
    1923- the first movie with sound was shown before the New York Electrical Society in New York City by Dr. Lee De Forest. Called “ The Gavote” it should a man and woman dancing to old-time music performed by four musicians playing on wind, percussion and string instruments. An Egyptian dance “trailer” was also shown. No voices were heard, only music. . As a pioneer of ‘modern’ radio in the early 1900’s, DeForest called his invention; phonofilm. Today it's called soundtrack.
    1926-“The home of the Happy Feet,” Harlem’s famous Savoy Ballroom opens.
“Stompin’ at the Savoy,” Count Basie (also one of Benny Goodman’s hits) The entrance fee was very small, and often the crowd was 15% to 25% white; supposedly the room was very well lit so you could view other dances and very well-ventilated
( the days before air conditioning this was very important.)
    1928-sax player Willie Maiden born Detroit MI,,462246,00.html?artist=Willie+Maiden
    1928 - The St. Francis dam 40 miles north of Los Angeles burst and flooded the valley; over 500 people were drowned.
    1932- Andrew Young, civil rights leader, former mayor of Atlanta, GA, born New Orleans, LA.
    1933-. Eight days after he was inaugurated, President Franklin Delano Roosevelt gave his first presidential address to the nation for the first of one of his famous "Fireside Chats". The name was coined by newsman, Robert Trout, who thought the President sounded as if he was sitting in living rooms all over the nation, next to a roaring fire.
Speaking by radio from the White House, he reported rather informally on the economic problems of the nation and on his actions to deal with them. His subject was the reopening of the banks during the following week. 1935 - Pari-mutuel came into being as horse race bets were legalized in Nebraska. Today, there are still states where horse racing, betting or other forms gambling still bother legislatures, despite that other states have been participating in these activities for years
    1935-Pianist Hugh Lawson Detroit MI
    1939 - Artie Shaw and his band recorded "Deep Purple" for the Bluebird label. After the first minute, you can hear Helen Forrest sing the vocal refrain. Larry Clinton had a number one song with a similar arrangement of the same song this same year; which was a hit for saxophonist, Nino Tempo and his sister, April Stevens in 1963. Hundreds of versions of this song have been recorded.
    1940—Singer Al Jarreau born Milwaukee WI
    1942- Paul Kantner, guitar player with Jefferson Airplane, is born. His biggest hit is the million-selling No. 1 song "You've Got a Friend" in 1971.
    1946 - The filming of the controversial Forever Amber began in Hollywood, with a record-breaking $3 million budget. The film, based on the steamy best-selling novel by Kathleen Winsor which was banned in Australia, starred Linda Darnell, Cornel Wilde, George Sanders, Richard Haydn, Leo G. Carroll, and Jessica Tandy. The film went way over budget, ultimately costing $6.5 million, or $2.5 million more than Gone With the Wind less than a decade earlier. The film's budget skyrocketed partly because Darnell replaced actress Peggy Cummins in the lead role after she was fired, which forced a temporary production shut-down. Despite its stellar cast, superb musical score, expensive costumes, and ambitious plans, the 140-minute epic was a big flop at the box office.
    1946—vocalist Liza Minelli born Los Angeles, CA, the daughter of Judy Garland and film director Vincente Minelli. She made her professional debut at the age of three in a toddle- on role in the film "In the Good Old Summertime," directed by her father and starring her mother. But Liza Minelli soon dispelled notions that she was coasting on her parents' reputations. When she was 19, she became the youngest performer to win a Tony Award for he role in the Broadway musical "Flora, the Red Menace." Six years later, she was a star of the first magnitude capturing an Oscar for her singing, dancing and acting in "Cabaret."
    1947 – President Harry S. Truman asks Congress for "anticommunist" aid to Greece and Turkey. The speech is dubbed as the Truman Doctrine and officially ushers in the Cold War era. President Truman declares the U.S. must help "free peoples who are resisting attempted subjugation by armed minorities or by outside pressures." President Truman declares the world "must choose between alternative ways of life." One based on "the will of the majority . . . distinguished by free institutions"; the other on "the will of a minority . . . terror and oppression . . . the suppression of personal freedoms."
    1948-singer/composer James Taylor born Boston, MA. His first professional experience was with a rock band called the Flying Machine. Then came his first solo album for the Beatles' Apple Records. It didn't do very well, but after a switch to Warner Brothers, he hit it big. Taylor's second album, "Sweet Baby James," sold three-million copies. "Fire and Rain" from that LP hit the top of the singles chart in 1970 and helped make James Taylor a household name. He won a Grammy Award in 1978 for his recording of "Handy Man," a slowed-down version of the old Jimmy Jones rock 'n' roll song. Taylor married singer Carly Simon in 1972, but she sued for divorce ten years later.
    1951-WOMACK, BRYANT E. Medal of Honor
Rank and organization: Private First Class, U.S. Army, Medical Company, 14th Infantry Regiment, 25th Infantry Division. Place and date: Near Sokso-ri, Korea, 12 March 1952. Entered service at: Mill Springs, N.C. Birth: Mill Springs, N.C. G.O. No.: 5, 12 January 1953. Citation: Pfc. Womack distinguished himself by conspicuous gallantry above and beyond the call of duty in action against the enemy. Pfc. Womack was the only medical aid man attached to a night combat patrol when sudden contact with a numerically superior enemy produced numerous casualties. Pfc. Womack went immediately to their aid, although this necessitated exposing himself to a devastating hail of enemy fire, during which he was seriously wounded. Refusing medical aid for himself, he continued moving among his comrades to administer aid. While he was aiding 1 man, he was again struck by enemy mortar fire, this time suffering the loss of his right arm. Although he knew the consequences should immediate aid not be administered, he still refused aid and insisted that all efforts be made for the benefit of others that were wounded. Although unable to perform the task himself, he remained on the scene and directed others in first aid techniques. The last man to withdraw, he walked until he collapsed from loss of blood, and died a few minutes later while being carried by his comrades. The extraordinary heroism, outstanding courage, and unswerving devotion to his duties displayed by Pfc. Womack reflect the utmost distinction upon himself and uphold the esteemed traditions of the U.S. Army.
    1951—Top Hits
If - Perry Como
My Heart Cries for You - Guy Mitchell
Be My Love - Mario Lanza
There’s Been a Change in Me - Eddy Arnold
    1954-A bridge hand in which each player was dealt a perfect hand of 13 cards of the same suit occurred at Cranston, RI. Irene Motta bid seven hearts and won the bid.
    1954 -a blizzard raged from eastern Wyoming into the Black Hills of western South Dakota while a severe ice storm was in progress from northeastern Nebraska to central Iowa. The ice storm isolated 153 towns in Iowa. Dust from the Great Plains caused brown snow, while hail and muddy rain fell over parts of Wisconsin and Michigan.
    1955 - “ Bird Lives:” Jazz alto saxophonist Charlie "Bird" Parker dies in New York City of heart failure. He more-or-less invented the be-bop form of music and just the week before played at the New York City jazz club Birdland, which was named after him. Charlie Parker was 34 years old. Among several streets in New York, written in chalk on the sidewalk,"The Bird lives." The tradition continues on this day, at least here in Saratoga, California. ( national register of historic places )
    1955 - One of the great groups of jazz appeared for the first time at Carnegie Hall in New York City. The Dave Brubeck Quartet presented a magnificent concert for jazz fans. Joining with Brubeck, in what would become one of the most popular concert draws on college campuses, were names that would become legends in their own right, including Paul Desmond on alto sax, Joe Morello on drums and Eugene Wright on bass.
    1956-Dick Farley of the Syracuse Nationals fouled out on an NBA game against the St. Louis Hawks after playing just five minutes, the fastest disqualification in league history.
    1959--- Top Hits
Venus - Frankie Avalon
Charlie Brown - The Coasters
Alvin’s Harmonica - David Seville & The Chipmunks
Don’t Take Your Guns to Town - Johnny Cash
    1964 -Malcolm X confirms resignation from Nation of Islam
    1966- Chicago Blackhawks left wing Bobby Hull became the first NHL player to score more than 50 goals in a season when he tallied his 51st goal of the year against the New York Rangers.
    1966-In San Francisco, The Alligator Clip, the Charlatans, Sopwith Camel, and Duncan Blue Boy and his Cosmic Yo-Yo, at the Firehouse on Sacramento Street.
    1967---Top Hits
Love is Here and Now You’re Gone - The Supremes
Baby I Need Your Lovin’ - Johnny Rivers
Penny Lane - The Beatles
The Fugitive - Merle Haggard
    1967 -a tremendous 4 day storm was in progress across California. Winds to 90 mph closed mountain passes, heavy rains flooded the lowlands, and in 60 hours Squaw Valley was buried under 96 inches of snow.
    1968 -McCarthy does well in the Democratic primary.
Senator Eugene McCarthy (D-Minnesota), an outspoken critic of the Johnson administration's policies in Vietnam, polls 42 percent of the vote in New Hampshire's Democratic presidential primary. President Lyndon B. Johnson got 48 percent. A Harris poll later showed that anti-Johnson, rather than antiwar, sentiment provided the basis for McCarthy's surprisingly strong performance.
McCarthy had been a contender to be President Lyndon B. Johnson's running mate in the 1964 election, but since then he had become increasingly disenchanted with Johnson's policies in Vietnam and the escalation of the war. In 1967, he published The Limits of Power, an assessment of U.S. foreign policy that was very critical of the Johnson administration. McCarthy announced his candidacy for the Democratic presidential nomination in January 1968, saying that he hoped to harness the growing antiwar sentiment in the country, particularly among the young. His showing in the New Hampshire primary astonished most of the political pundits. Johnson, frustrated with his inability to reach a solution in Vietnam and stunned by his narrow victory in New Hampshire, announced on March 31, 1968, that he would neither seek nor accept the nomination of his party for re-election. The rest of McCarthy's campaign was almost an anticlimax. Senator Robert Kennedy of New York entered the race and won most of the Democratic primaries until his assassination in June. When the Democratic National Convention opened in Chicago, a conflict immediately erupted over the party's Vietnam platform. While demonstrations against the war took place in the streets outside the convention hall, Vice President Hubert Humphrey won the party nomination. Humphrey was defeated in the general election by Republican Richard Nixon. McCarthy retired from the Senate in 1971, but his surprising showing in the primary was evidence of the strong antiwar sentiment in the country.
    1969 - Paul McCartney marries photographer Linda Eastman. Contrary to the popular rumor of the day, she is not related to the Eastmans of Eastman-Kodak fame. Paul's brother, Mike McGear is the best man. None of the other Beatles is in attendance.
    1974 - "Wonder Woman" debuted on ABC-TV, although it eventually moved to CBS. It starred Lynda Carter as Wonder Woman, whose real name was Diana Prince. Wonder Girl, Diana's sister, was Donna Troy.
    1975---Top Hits
Have You Never Been Mellow - Olivia Newton-John
Black Water - The Doobie Brothers
My Eyes Adored You - Frankie Valli
Linda on My Mind - Conway Twitty
    1983-U2's "War" enters the British LP chart at #1.
    1983---Top Hits
Billy Jean - Michael Jackson
Shame on the Moon - Bob Seger & The Silver Bullet Band
Do You Really Want to Hurt Me - Culture Club
The Rose - Conway Twitty
    1984-A the World Figure Slaking Championships, Jayne Torvill and Christopher Dean of Great Britain became the first ice dancing team to earn nine perfect marks of 6.0
    1985 - Larry Bird of the NBA’s Boston Celtics scored a club-record 60 points in a 126-116 victory over the Atlanta Hawks. Bird broke the record previously held by teammate Kevin McHale, who scored 56 points just nine days earlier.
    1985 - Auto dealer Tom Bensen and several investors plunked down some cash to buy the New Orleans Saints football team. The bankroll was quite substantial -- about $64 million.
    1986 -- Susan Butcher wins 1,158 mile Iditarod Trail Sled Dog Race.
    1987 - After breaking all records for advance ticket sales, the British musical Les Miserables opened on Broadway.
    1987- A&M Records presented Special Olympics International with a check for $5-million. It was the first proceeds from sales of "A Very Special Christmas," a collection of yuletide songs by such superstars as Bruce Springsteen, U2, Bon Jovi and Run-DMC.
    1989 - An early season heat wave continued in the southwestern and central U.S. Nineteen cities reported record high temperatures for the date. Wichita Falls TX, which six days earlier reported a record low of 8 above, reported a record high of 95 degrees. Childress TX was the first spot in the country in 1989 to hit the century mark
    1990 -unseasonably warm temperatures occurred from the Mississippi Valley to the Atlantic coast. Over 90 high temperature records for this date were broken or tied. Many of the records were topped by 15 degrees or more and some of the records broken had been set 100 years ago or more. The high temperature for the nation was recorded in Baltimore, Maryland where the temperature reached 95 degrees. Washington, DC and Richmond, Virginia both recorded 89 degrees.
    1991---Top Hits
Someday - Mariah Carey
One More Try - Timmy -T-
Show Me the Way - Styx
I’d Love You All Over Again - Alan Jackson
    1992- Eric Clapton appeared on MTV's "Unplugged." His acoustic performance was released as an album, becoming one of his biggest sellers. It included a remake of his 1970 Top-10 hit "Layla," which almost matched the original in popularity. The format produced many other “relaxed, simple, and
intimate” performances and records.
    1993 -what was to become the "Great Blizzard of '93" began to develop as a huge mesoscale convective complex formed in the western Gulf of Mexico. As the low pressure area moved eastward and intensified, howling north winds exceeding hurricane force behind the storm were reported by platforms in the Gulf. One platform near 28.5n/ 92.5w recorded sustained winds of 85 mph with gusts to 99 mph. As the low crossed the coast around midnight near Panama City, Florida, the central pressure was already down to 980 millibars (28.94 inches). During the late evening into the early morning hours of the 13th, a vicious squall line swept through Florida and spawned 11 tornadoes resulting in 5 fatalities. Thunderstorm winds gusted to 110 mph at Alligator Point and 109 mph at Dry Tortugas. Extremely high tides occurred along the western Florida coast. A 13 foot storm surge occurred in Taylor county, Florida, resulting in 10 deaths with 57 residences destroyed. A 5 to 8 foot storm surge moved ashore in Dixie county. Over 500 homes were destroyed with major damage to another 700 structures.
    1994 - The Church of England broke with 460 years of male dominance when it ordained its first women priests in Bristol Cathedral.
    1996-Directly contradicting an agreement signed with Netscape the previous day, AOL agrees to use and promote Microsoft's Internet Explorer browser exclusively. In exchange, Microsoft agrees to bundle AOL software with its Windows 95 operating system. The abrupt about-face would became an important issue in the Department of Justice's 1998 antitrust suit against Microsoft. A senior vice president at AOL testified that his company had initially avoided selecting the Microsoft browser because Microsoft seemed to be in direct competition with AOL.
    2001- Richard Hidalgo signs the third-richest contract in Astro history with a four-year $32 million, deal with the club. The outfielder's pact is less than teammate's Jeff Bagwell's $85 million (5-years), and Craig Biggio's $33 million (4-years).
    2001-In a poll conducted by the Recording Industry Association of America, music fans voted Judy Garland's "Over The Rainbow" as the Song Of The Century. The Rolling Stones' "Satisfaction" came in at #16 and The Beatles' "I Want To Hold Your Hand" was #26.
    2003- The second exhibition season bench-clearing brawl this week occurs as a raging Mike Piazza, after being hit by a pitch, charges the mound in pursuit of Guillermo Mota, who makes to the dugout without being caught. The incident may be a follow-up to an incident last spring which resulted in a shoving match after a similar event and the Met All-Star catcher waited for the Dodger reliever, who was coming off the field in the eighth inning and grabbed him by the jersey.


Winter Poem

 We've Only Just Begun

        by Paul Williams and Roger Nichols

We've only just begun to live,
White lace and promises
A kiss for luck and we're on our way.
And yes, We've just begun.

Before the rising sun we fly,
So many roads to choose
We start our walking and learn to run.
And yes, We've just begun.

Sharing horizons that are new to us,
Watching the signs along the way,
Talking it over just the two of us,
Working together day to day

And when the evening comes we smile,
So much of life ahead
We'll find a place where there's room to grow,
And yes, We've just begun.




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



Daily Puzzle

How to play:

Refresh for current date:






See USA map, click to specific area, no commercials



Traffic Live---

Real Time Traffic Information

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