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Independent, unbiased and fair news about the Leasing Industry


Monday, March 5, 2012

Today's Equipment Leasing Headlines

Correction: Bulldog Truck & Equipment Sales
  Classified Ads---Senior Management
 Two More Sentenced in Operation Lease Fleece
  Sheldon Player—Equipment Acquisition Resources
   Leasing 102 by Mr. Terry Winders, CLP
   Additional Sales Issues
 Real Estate Biz Loans Volume Getting Back to "Normal"
  Uh-oh! Lease Receivables Going Down for Ten Years
   Calling all Community and Regional Banks!
    Bank Beat---Asian-American Bank Fails in Georgia
     Sutton and Brown attend AZELA Meeting
      Classified Ads---Help Wanted
    Career Crossroad—“Appearance for an interview”
      BBB New Virus
       Top Stories---February 27--March 1
       Fleet Financing Resources New Line/Western Equip. Finance
     Money Keeps Accumulating in Domestic Bank Accounts
       Arlington, Virginia Adopt-a-Dog
News Briefs---
2011 storms trigger home insurance rate hikes

Broker/Funder/Industry Lists | Features (collection)
Top Ten Stories Chosen by Readers | Top Stories last six months

Steve Jobs fans continue to make pilgrimage to his Palo Alto home
  You May Have Missed
   SparkPeople--Live Healthier and Longer
      Winter Poem
       "Gimme that Wine"
       This Day in American History
           Daily Puzzle
               Weather, USA or specific area
                 Traffic Live----

######## surrounding the article denotes it is a “press release” and was not written by Leasing News nor information verified, but from the source noted. When an article is signed by the writer, it is considered a “by line.” It reflects the opinion and research of the writer. It is considered “bias” as it is the writer’s viewpoint.

John Kenny Receivables Management

• End of Lease Negotiations & Enforcement
• Fraud Investigation
• Credit Investigations
• Asset Searches
• Skip-tracing
• Third-party Commercial Collections

The Solution to Your Credit & Accounts Receivable Needs
John Kenny
315-866-1167 |

(Leasing News provides this ad as a trade for investigations
and background information provided by John Kenny)



Correction: Bulldog Truck & Equipment Sales

“Your story is fair but I wanted to point out your use of the past tense in how Bulldog ‘specialized’, ‘had a facility’, ‘had salespeople’, ‘handled repossessions’ might mislead readers to think we are out of business. On the contrary we still specialize in repossessing and remarketing financial institution assets, still have own our facilities and still have an onsite direct sales force of industry experts and still have a quality client base.”


It will take a bulldog to get out of this mess! by Christopher Menkin

John G. Rosenlund, CLP, Director-Risk Management, Portfolio Financial Servicing Company and vice-president of the National Equipment and Finance Association (NEFA) would like to personally invite you to join NEFA and attend our Spring Summit.

National Equipment Finance Summit, March 22-24





Classified Ads---Senior Management

(These ads are “free” to those seeking employment or looking

25+ yrs exper. management roles Chase, AT&T Capital, Heller Financial, SFS. Develop biz from “scratch to success”. Looking for challenging & pioneering job. 

Philadelphia, PA
27 yrs. exp. sales, ops., credit, strategy, P&L mngmet. Most recently created & executed the biz plans for 2 highly successful Bank-owned small ticket leasing subsidiaries. 
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.

Free Posting for those seeking employment in Leasing:

All “free” categories “job wanted” ads:


Bookmark Leasing News


Two More Sentenced in Operation Lease Fleece

Readers have been asking for updates the last few years, including the last month, on what is the latest with the sentencing of those caught in what the FBI labeled “Operation Lease Fleece.” This was a major scam in its day, a conspiracy that included disguised "sale/leasebacks" or leases that exceeded the "soft costs" such as software and installation. Many were on ghost equipment. Adam Zuckerman told Leasing News he set up phony bank accounts, trade references, fake vendors, knew how to fool site inspections, and existed before the days of Lease Police.

Zuckerman took a major role in what also involved the two alleged bad boys in the leasing industry, Mark McQuitty and Jim Raeder first of Republic Leasing of Southern California, then Preferred Leasing and finally CapitalWerks.

The latest update shows Zuckerman sentencing delayed as well as Michael Grayson, the trial of the Vartanian Brothers postponed again, and two sentencing’s:

Mark McQuitty, co-founder CapitalWerks, sentencing sent for May 14, 2012 before Judge Cormac J. Carney (going on over four and a half years since pleading guilty)

James Raeder, co-founder CapitalWerks, sentencing set for June 4, 2012 before Judge Cormac J. Carney (going on over four and a half years since pleading guilty)

Adam Zuckerman, head of BrickBanc and others, sentencing set for 10/24/2012 10:00 AM before Judge Cormac J. Carney (going on four and a half years since pleading guilty!)

Leigh Dorand, 42, Tech Capital, Phoenix, Arizona sentencing continued until 7/23/2012 10:00 AM before Judge Cormac J. Carney.

Paul Arnold, 60, Brickbanc, Laguna Hills also known as Arnold Paul Zuckerman, Arnold Zuckerman, Scott Alan Zuckerman (reportedly an uncle of Adam Zuckerman) On February 27, 2012 sentenced to the Bureau of Prisons for a term of 24 months (to start April 23, 2012). It was reported due to his age, he did not receive the standard three year term. Special Assessment of $100. Fines are waived. He will be under a supervised release for a term of five years under the rules and regulations of the US Probation Office and General Order 05-02

Chance Nell Weaver, Axis Communications, Tarzana: Placed on probation for three years under terms and conditions of US Probation Office and General Orders 05-02 and 01-05. Pay $250 special assessment. Pay total fine of $250.

Michael Scott Grayson, Axis Communication, Tarzana sentencing continued to 6/25/2012 11:00 AM before Judge Cormac J. Carney

Chant Vartanian, president of ISystems Technology and Solutions, currently operating under several business names, trial date is continued to April 24, 2012 at 9:00 a.m. IT IS FURTHER ORDERED that the status conference is continued to April 16, 2012 at 9:30 a.m.

Sarkus Vartanian, vice-president of ISystems Technology and Solutions, currently operating under several business names, "trial date is continued to April 24, 2012 at 9:00 a.m. IT IS FURTHER ORDERED that the status conference is continued to April 16, 2012 at 9:30 a.m.

Ziya, Arik, 38, CapitalWerks, continuing Sentencing hearing to 4/30/2012 11:00 AM before Judge Cormac J. Carney


Operation Lease Police Stories:

((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)


Sheldon Player—Equipment Acquisition Resources

Sheldon Player was sent to jail from the 1985 conviction for fraud involved in Greyhound Leasing, basically leasing equipment that did not exist. Leasing News also did an interview with him about what happened, according to his side of the story (1). It appears he did the same with Equipment Acquisition Resources, Palatine, Illinois, then got involved in Jackson Hole, Wyoming bottled water franchise offering, many casino debts paid by his company, it is claimed by the bankruptcy trustee, $900,000 in a duffle bag caught by the FBI when he landed in Denver-claiming casino winnings, yet he remains scot-free as the leasing companies have put their cases on hold against the officer's personally as it appears Sheldon Player and his estranged wife Donna Malone have reportedly filed personal bankruptcy (another curious case as on all documents she does not sign as “Player,” but he and everyone calls her his wife.) It should also be noted the records of the bankruptcy were not able to be located on line.

The hearing regarding the latest IRS and Casino winnings and loses for Sheldon Player, the founder of Equipment Acquisition Resources, status hearing was again continued, this time to March 28, 2012.

The Bottom Line: Player remains free.

(1) Sheldon Player, Greyhound Leasing, Déjà vu?

Previous Stories:



Leasing 102
by Mr. Terry Winders, CLP

Additional Sales Issues

Customers that think they are going to use the equipment until it drops are going to focus on your end of lease options. They would be cash buyers, if they could, and most likely are looking to put “down” as little as possible and go as long as possible.

Customers that have a definite term of use will probably plan to return the equipment and will want a replacement. They have experience with obsolescence or plans for equipment with larger capacity, and generally may be more interested in a non-24, 36, 48 month plan, but something more “custom.”

One comment about term! We tend to think in full year terms such as three, four, or five years when in fact most businesses have a seasonally cash flow, business activity, or equipment use. One of the most important questions to ask is “when do you want the lease to end?”

If I were leasing snow removal equipment I would probably chose April or May not July or August. If the lease was for a full term of years, it would start and end in October or November. Loans would do this but leases should end when the use ends.

Or, I may ask if there is a lower business activity time during the year to end the lease term so that equipment decisions and replacement could be reached without detracting from important business activity. The term should be governed by equipment’s use not conventional lending terms. Remember leasing effects the expense whereas loans are usually cash items with expenses dictated by accounting and tax requirements.

Having plans of 60 or 90 day delay payment or skip payment may appeal to them, or even seasonal payments. They may not choose them, but I bet those in seasonal businesses will be interested in learning about them.

I have also had accountants request a lease that ends at the end of their fiscal year. This creates easy to handle terms and expenses without creating a stub expense in the following year. It usually signals an interest in retaining the equipment at the end of the lease because the lease is not tied to the actual term of use.

In many small businesses, their accountant plays a large role as advisor to the owner. It may require you to obtain their blessing prior to a commitment from the customer. In larger companies they can kill a deal faster than anyone can, so you should plan on presenting your case to them as part of the selling process.

Also when learning about the use of the old equipment, ask if there were any times when it was out of service for maintenance, overhauls, seasonal use, or used by a separate company or sister corporation. Was it ever off-sight or out of service due to lack of spare parts? All of this may support the type of program or lease that you will offer.

Old equipment may not have any high tech attachments and therefore the original cost may not have contained any monies for software programs that will both affect the price of the new equipment and impact the residual value you place on the equipment. It may seem strange to raise the question when discussing the old equipment, but the conversation allows the customer to discuss the reasons for the equipment change and will give you good insight as to the use of the new equipment. The more they talk about it, they more they sell themselves on why they need this new equipment.

Once you have covered all that you can from questions on the old equipment, or if the equipment is new to the company, try and ask some of the same questions on the new equipment. To begin with ask if they have a brochure you may have or the name of the supplier, manufacturer, or distributor. Usually asking the customer for a complete description will not accomplish much so plan on contacting the supplier for the complete description. But it would be good to ask about the additional costs for freight, installation, wiring, and sight preparation, or training on equipment use.

Also ask about other costs for taxes, additional attachments purchased from another vendor or used from the old replaced equipment.

Lessors that do not investigate the cost and take a residual on freight expense have always amused me. Trust me; it is hard to collect a residual on freight expense. I know you tell them it is “cost to lessor,” but you may not only lose a repeat customer but a vendor over this one “small” item.

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

He invites your questions and queries

Previous #102 Columns:

Mr. Terry Winders, CLP
Anaheim, California

April 5 & 6

Two Day Seminar
sponsored by
Equipment Leasing Department
4040 MacArthur blvd, Suite 100
Newport Beach, CA 92660

The seminar will contain information on how to approach leasing in 2012 with the following subjects:

  • New lease language
  • Proposed new accounting rules for lessee's
  • Structuring and pricing for competition
  • Income tax rules, Article 2A vs. Article 9
  • New reasons to lease
  • Questions to ask lessee
  • Vendor needs
  • Credit enhancements
  • Documentation issues 
    and a take home assignment to see how to propose a lease.

Cost $450 per person

Registration and Outline of Course: PDF

For questions, please contact Mr. Terry Winders, CLP, at or call 502-649-0448.



FDIC Quarterly Chart--RE Biz Loans Volume Getting Back to "Normal"
Uh-oh! Lease Receivables Going Down for Ten Years

It appears most real estate business loan levels are returning to a positive level, according to the FDIC Quarterly Chart just released, but not to the highs of the last 10 years, which were mostly in 2008.

Most of the banks that failed in the last few years had high losses in construction and land development, primarily for 1-4 family homes; mostly not individual homes, but for builders of sections of homes.

Bouncing back also seems to be happening in nonfarm nonresidential lending, although agricultural loans remain down, according to the FDIC numbers.

On the downside, assets of leasing receivables from banks has been in a ten year negative direction. (Readers who have more knowledge on this or an opinion, “on the record” or “off the record,” please email

A definition of these loans follows the chart from the FDIC.

Construction and Land Development Loans---These are secured by a mortgage on the property being finance, normally no longer than three year terms. This may also include additions or alterations to existing structures and vacant land.

Nonfarm Nonresidential as defined by FDIC are liens secured by real estate on business and industrial properties, such as hotels, motels, churches, hospitals, education and charitable institutions, association buildings, golf courses, recreational facilities and similar properties; source of repayment is the cash flow from the ongoing operations and activities conducted by the borrower.

Agricultural loans include operating expenses, investment in farm equipment, often against crops in the future, and for generally a short term from one to three years.

Farmland is long-term credit for acquisition of farm real estate and construction financing or refinancing of property; property must be suitable for farming.

Full Chart here for real estate loans:

Balance Sheet ( see #28):

Gary DiLillo, President 440.871.0555 or

To learn more about the benefits of
outsourcing personal property tax, please click here.


**** Announcement **************************************

Calling all Community and Regional Banks!

As the front page of the Wall Street Journal announced last week, companies are investing more in equipment.

The Equipment Leasing and Finance Association Membership Committee has launched a membership recruitment campaign aimed at banks with less than $1 billion in assets that are looking for ways to put their capital to work and diversify their portfolios through equipment leasing and finance.

For a limited time, small and regional banks that have never been members of ELFA will save 50% off the ELFA membership dues.

If you represent a community bank with less than $1 billion in assets that is not currently a member of ELFA, or you have contacts at banks fitting this profile, please contact Director of Membership Kesha Robinson at 202-238-3432 or or visit



Bank Beat---Asian-American Bank Fails in Georgia

The three branches of Global Commerce Bank, Doraville, Georgia, were closed with Metro City Bank, Doraville, Georgia, to assume all of the deposits. Founded August 18, 1995 to service Atlanta, Marietta, Sandy Springs, the bank had 29 full time employees as of December 31, 2011 at three offices in Doraville, Johns Creek, and Norcross.

Metro City Bank is also a Asian-American Bank, April 4, 2006 and as of December 31, 2011 had 54 full time employees are their two offices in Suwannee, one in Doraville, Duluth, and Johns Creek. This adds to branches then in Doraville and Johns Creek.

One of the major differences is as of December 31, 2011, Metro City Bank had Tier 1 risk-based capital ratio that was a very healthy 16.02%, whereas Global Commerce Bank had 1.08%, extremely low.

To understand both banks marketplace, it is best to look at their geographic marketplace:

Doraville is a small town, 15 miles northeast of Atlanta on Highway I-85. In 2010 the population was 8,330. The main business was a GM plant, which closed in 2009.

Norcross is 20 miles northeast of Atlanta along I-85 with a population 2010 US Census Population 9,116.

Johns Creek, 27 miles northeast of Atlanta, is the tenth-largest municipality in Georgia and its wealthiest city, according to Wikipedia and was incorporated December 1, 2006. 2010 US Census population was 76,728. It appears there is a commute problem coupled with no money to repair its roads.

Where were they getting their deposits and business?

Global Commerce Bank was an overseas Chinese bank, privately held, offering credit instruments, such as letters of credit to facilitate international trade, and in2003 was ranged the 9th best performing bank amongst 323 banks in Georgia, according to Wikipedia, very active in SBA loans. As can be seen by the locations, much of the lending appears out of thier geographic footprint.

Metro City Bank year-end 2011 equity was $52.2 million, showing a profit of $5 million and $2.9 million in non-current loans, after a charge off of $3 million ($2.7 million nonfarm nonresidential properties and $334,000 in commercial and industrial loans.

Tier 1 risk-based capital ratio was a very healthy 16.02%.
(People not identified, photo from:

Metro City Bank is also a privately held bank, specializing in the Asian-American marketplace. Chairman Nack Y. Paek, a CPA, and according to his biography, "President of a successful SBA service provider."

There is another CPA on the board, a jewelry manufacture, general surgeon, fashion jewelry wholesaler who served in the Korean Army, a native of Malaysian in real estate, a native Hong Kong in private label fashion, a controller with a trading company, a South Korean in the jeweler business, a Patel hotel owner, an account now finance manger of Trends Menswear, another CP, degree from Korea, and Farid Tan, president and CEO, banker from Malaysia. Senior VP and Chief Loan Officer, Hwa Saeng Kim, with banking experience in Korea as well as serving the banks Amsterdam office.

Note: Metro City Bank gains healthy deposits as of December 31, 2011. Global Commerce Bank had approximately $143.7 million in total assets and $116.8 million in total deposits. In addition to assuming all of the deposits of the failed bank, Metro City Bank agreed to purchase approximately $79.0 million of the failed bank's assets. The FDIC will retain the remaining assets for later disposition.

Global Commerce Bank problems started in 2009.The main defaults and charge offs came form lines of credit and commercial loans. The nonfarm nonindustrial charge offs went from $1.6 million in 2009, to $4.6 million in 2010, and $3.5 million in 2011. Nonfarm Nonresidential as defined by FDIC are liens secured by real estate on business and industrial properties, such as hotels, motels, churches, hospitals, education and charitable institutions, association buildings, golf courses, recreational facilities and similar properties; source of repayment is the cash flow from the ongoing operations and activities conducted by the borrower.

The numbers below tell much of the story about what happened:

(in millions, unless otherwise)

Net Equity
2006 $14.6
2007 $16.1
2008 $17.2
2009 $16.3
2010 $7.8
2011 $1.1

2006 $1.6
2007 $1.1
2008 $1.2
2009 -$2.0
2010 -$7.9
2011 -$7.8

Non-Current Loans
2006 $423,000
2007 $523,000
2008 $1.3
2009 $4.1
2010 $10.7
2011 $14.9

Charge Offs
2006 $284,000 ($151,000 1-4 family residential, $135,000 commercial and industrial, -$2,000 indiv.)
2007 -0-
2008 $34,000 ($31,000 commercial and industrial, $3,000 individuals)
2009 $3.4 ( 1.6 nonfarm nonindustrial, $1.4 commercial/industrial, $259,000 1-4 fam.,$20,000 indiv.)
2010 $4.9 ($4.6 nonfarm nonindustrial, $206,000 commercial/industrial, $18,000 individual)
2011 $3.7 ($3.5 nonfarm nonindustrial, $114,000 commercial industrial, $74,000 1-4 family)

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

The FDIC estimates that the cost to the Deposit Insurance Fund (DIF) will be $17.9 million.

List of Bank Failures:

Bank Beat:

(Read “Bank Beat Group” in


Sutton and Brown attend AZELA Meeting

William (Woody) G. Sutton, CAE, President and CEO of the Equipment Leasing and Finance Association (ELFA), was the guest speaker at the Arizona Equipment Leasing Association (AZELA) for its first meeting in 2012 held at the Starfire Country Club in Scottsdale, Arizona. He was accompanied by Dennis Brown, ELFA VP of State Government Relations.

Following networking and dinner, introductions with comments on the state of the industry were shared by all the attendees. An increase in application volume was a common observation.

Woody Sutton’s power point presentation using data compiled by ELFA, addressed the state of the industry, the state of the association, and interesting highlights of Woody’s military and political experiences and their connection to the finance industry.

The information as presented echoed what was said in the presentations of the attendees - the finance sector is showing signs of improvement, with a continued need for capital formation to maintain the ability to acquire capital equipment.

Bernice Truszkowski





Leasing News Help Wanted Ad Pricing

Help Wanted Web Ad New Programs

Classified Ad Section 
(rotates chronological above headlines and 
also appears in Classified Ad section.) *

21 days in a row:
$595 four lines (a space is a line) 
($40 each additional line or space)

Design work is free. Logo is free as well as company description not to exceed the number of lines of the ad.
Also free: click to a click to a web site or a full description of the position.

Ads are placed in the "Help Wanted' section by category, alphabetical, with the ad with the most lines first in the group. They appear on the web site and in each news edition at the top in a rotation basis per issue.

* Help Wanted” ads  appear in each issue on a chronological basis above the top headline as a courtesy. This position is not available as a paid position, but is generally on a rotation basis.  At the same time, the ad continues in the classified help wanted section in the news edition and web site, so in effect appears twice.

Leasing News reserves the right to refuse advertising, particularly to a company that has appeared in the complaint bulletin board




Career Crossroad—“Appearance for an interview”

Question: Can you advise me on the importance of appearance when going on an interview – I could use some tips. May sound a bit superficial, but I got through the first few rounds of phone interviews and have a face to face scheduled for next week and want to put my best foot forward.

Answer: This is not superficial – it is important – after all you are in a competition! In terms of importance in the interview process (NOTING that of course you have the requisite experience for the role) appearance & having a good face-to-face interview falls right behind your resume presentation and phone presence & personality (phone interview).

Most important is basic grooming. Seems simple enough – BUT I had an experience with a Candidate attending an interview looking a bit – well – undesirable and though his experience was excellent, he did not get an offer simply because of His Appearance!

Think about it, if you owned a company how would you like your employees representing your company – especially your Sales Professionals. There are many psychological undertones to your appearance which HR Managers are well aware of. Just take the time to be the best you can be!

Remember the Leasing & Finance industry is a conservative one – present yourself appropriately … this applies to Receptionist roles to C-Level Executive roles.


  • Whiten them up – many products on the market – try Optic White

  • If you get a professional service – it is not the most pleasant experience and personally, was painful; as such, get a few weeks in advance so you are not popping aspirins

  • Nice breath is always a plus – but never chew gum!


  • Groomed – get a professional manicure – Yes, men too!

  • Ladies, keep short clear or a French/American manicure is appropriate


  • Get a facial to look fresh and vibrant, again a few weeks in advance and maintain

Hair-free face:

    • Psych 101 - perception: “you are hiding something or insecure about being exposed” (be it true or not – again this is psych 101)

      Ladies, get a good brow groom – a natural shape is the best way to go


    • Tailored, a good fit, ironed/pressed

  • Your suit does not need to be a Ferragamo or a Brioni, but look SHARP

  • Do invest in a few interview suites (ladies, yes you can wear pants and if going for say a receptionist role, a nice sweater set or blouse will work)

    • Remember to be conservative (unless you are in Advertising, PR, etc.. you can be a bit more trendy)


Check out your local hairdress

Ladies if your hair is mid to long in length: pull it back into a bun or chignon or half up half down – No “bumpits” or cutesy hair accessories!

Men, if graying – salt and pepper is a great look

Exclusively for the Women:


    • Keep very light – if you need some suggestions email me (I am an expert – Jo Malone is typically a good way to go); rule of thumb: if you can smell the perfume on yourself – you were too heavy-handed (use rubbing alcohol to remov


  • Very natural – this is not the time to be bare faced or try out the newest eye trend – if you need tips, email me we have information we send to our Candidates that need advice

Jewelry / Bag

  • Think conservative: pearls, a nice watch and studs are appropriate

  • Small purse and/or tote for your resume / pad and extra items such as your to-go bag (see below)

Hair Color

  • No crazy hair color, extensions, or hair accessories – but you knew this already


1. Two suits ready and dry cleaned
2. Ladies, Hose that you only use for interviews (2-3 on hand at all times)
3. Shoes buffed and polished – no marks!
4. Have a to-go bag for your interviews ready and stocked: nail oil pen, mints, handy-wipes, wispits (to brush teeth on the go), blotting papers, etc… Include anything really that will make you feel confident when meeting your interviewer face-to-face

IF YOU SMOKE – do NOT smoke before your interview – you can NOT mask the smoke!

Emily Fitzpatrick
Sr. Recruiter
Recruiters International, Inc.
Phone: 954-885-9241
Cell: 954-612-0567

Previous Career Crossroad columns:




BBB New Virus

Perhaps by now, many readers already know this, or have been fooled before, but not again. But just in case, this new one making the rounds, from the Better Business Bureau, saying there is a complaint wants you to open the "Complaint Report." DON'T. It is a virus. Hopefully you weren't fooled or have an anti-virus program---but sometimes this type has a new one that gets through.

The best is to ignore this:

Good afternoon,

Here with the Better Business Bureau informs you that we have been sent a complaint (ID 71693536) from one of your customers related to their dealership with you.

Please open the COMPLAINT REPORT to find more information on this problem and let us know of your opinion as soon as possible.

We are looking forward to your prompt reply.

Kind regards,
Arnold Melendez
Dispute Counselor
Better Business Bureau


Top Stories---February 27--March 1

Here are the top ten sorties opened by readers:

(1) Westover Capital Accused of Multiple Grand Thefts by Christopher Menkin

(2) It will take a bulldog to get out of this mess! by Christopher Menkin

(3) Leasing 102 by Mr. Terry Winders, CLP
The Changing “End User” Sales Calls

(4) Leasing Up at Bigger Banks, but not Smaller

(5) Classified Ads---Sales Manager

(6) SunTrust estimates possible $120 million cost

(7) Mr. Terry Winders, CLP, Two Day Seminar, April 5 & 6

(8) Bank Beat—Non-Conforming Loans in Georgia
Home Savings of America fails—no buyers!

(9) BSB Ad--click to "We Do"

(10) The List---January and February, 2012




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

Fleet Financing Resources New Line at Western Equipment Finance

Riverside, CA – Fleet Financing Resources (FFR), a boutique-style lender servicing the commercial vehicle industry, announced that it has entered into a vendor program agreement with Western Equipment Finance, a subsidiary of Western State Bank in Devils Lake, ND. The program agreement is aimed at extending FFR’s reach to commercial fleet manufacturers, dealers, and operators by offering another well capitalized credit facility with a financially sound reputation.

Dave Reynolds, President and CEO of FFR commented, “We will benefit from the additional financing from Western for its comprehensive suite of funding solutions in commercial vehicles which make them an excellent fit for FFR’s growing portfolio.”

“I’ve known Laurie Bakke, President of Western Equipment Finance, for many years and of the first-class organizations she builds”, said Dave Reynolds. “Thanks to our newly expanded program agreement with Western, we can do even more to help our customers grow their business well in to the future”.

The new vendor program is estimated to generate an additional $3 to 5 million dollars annually in funding for Fleet Financing Resources. The program will include an application only option, along with the full financial review for the financing of new or used commercial vehicles.

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




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

Money Keeps Accumulating in Domestic Bank Accounts

In the last three months of 2011 alone, one quarter trillion dollars was added to domestic bank accounts – nearly $3 billion per day.

SAN ANSELMO, Calif. – The latest analysis from Market Rates Insight ( shows that just in the last three months of 2011, consumers added $250 billion dollars to domestic bank accounts. Total deposits, which includes overseas branches of U.S. banks, increased by $183 billion in the last quarter of 2011, which means that about $33 billion was transferred from overseas U.S. banks to domestic branches. For whole of 2011, domestic deposits in FDIC insured institutions grew by $882 billion to $8,755 billion, and total deposits in FDIC insured institutions, which includes overseas deposits in U.S. banks, grew by $760 billion to $10,183 billion.

Deposit money continues to flow from term accounts, such as CDs to liquid accounts such as checking, savings and money market accounts. During 2011, CD balances decreased by $157 billion, while checking, savings and money market balances grew by over $1 trillion. Consumer retail deposits now make up 89.6% of domestic deposits, up from 89.2% in the beginning of 2011. The increase in percentage of retail deposits indicates that more of the current deposits are made by individuals rather than businesses. The increase in deposits during 2011 occurred despite a decrease of 22 basis points in the national average for deposits – from 0.84 % in January to 0.62% in December.

“The latest figures have a double message” said Dan Geller, Ph.D. Executive Vice President at Market Rates Insight, “The first is that more consumers are risk averse and prefer the safety and security of FDIC insured deposits, and the second is that more consumers prefer to bank domestically than overseas.”

About Market Rates Insight
Market Rates Insight (MRI, is a reputable provider of competitive-pricing information and analysis to financial institutions. MRI’s competitive data is complete, detailed and timely, which allows for the highest level of pricing precision. Therefore, the use of MRI’s competitive data ensures greater pricing optimization, and subsequently, improved profitability. In addition to competitive-pricing data, MRI also conducts pricing analysis and provides tracking of industry indexes. MRI’s indexes, published weekly in the National Pricing Indicators, are the industry standard for deposit pricing, and are viewed weekly by executives of banks and credit unions through video, audio and print channels.

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


Arlington, Virginia-- Adopt-a-Dog


Age: 6 years
Size: 34 lbs Good with dogs? Some
Obedience Training: Some
Good with cats? ???
Good with kids? ???
Energy Level: Medium

"I don't mean to brag, but I'm a purebred Welsh Corgi. That's the queen of England's favorite breed, you know. While I don't claim royal blood lines, I do claim to be a well behaved dog who is crate trained and enjoys daily walks. Because of serious illness my loving family was no longer able to provide walks or proper care and I'm hoping you can. Please come to meet me."

Dog Adoption Guidelines:

SPCA of Northern Virginia
P.O. Box 100220
Arlington, VA


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

Adopt a Pet


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2011 storms trigger home insurance rate hikes


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10 High-Stress Personality Characteristics





Sports Briefs----

Kobe Bryant, Lakers are head and shoulders above Heat in 93-83 win,0,3166502.story

Stanford women rout Cal to cap 18-0 Pac-12 regular season

Ex-Saints coach, NFL to discuss injury bounties


Winter Poem

A Hard Winter

by Raymond A. Foss

Well, they talk of woolly-bear caterpillars
which is it, wide brown or wide orange stripes
or maybe it is when we have a lot of rain
something warns us, tells us that there
will be a hard winter.

I’m worried about the squirrels in our yard
They are far too fat, far too ready for a long,
long cold white winter, ready for hibernation
Sitting in the yard, not going up on the table
any longer. No, they don’t run for the peanuts
They look at us, and demand to be fed,
saunter over, dare us to come over,
they are the signals, the indicators, for me
Oh it is going to be a hard winter
The squirrels are fat and surly.




California Nuts Briefs---

Lawmakers call for state audit of San Jose's pension problems


“Gimme that Wine” 

Spotted: Lady Gaga Visits Napa Wine Country

Bay Area wine job postings blossom, but hard numbers are hard to find

Free Mobile Wine Program

Wine Prices by vintage

US/International Wine Events

Winery Atlas\

Leasing News Wine & Spirits Page



This Day in History

        1595-First New England Settler: William Blackstone, born at Durham County, England, was the first settler in what is now Boston, Massachusetts, and also the first in what is now Rhode Island. Blackstone came to New England with the Captain Robed Gorges expedition in 1623. When the expedition failed and most returned to England, he stayed and settled on what later became Beacon Hill. In 1634, he sold most of his Boston property and moved to the shores of the river that now bears his name. He died there at what is now Cumberland, Rhode Island, May 26,1675.
    1623-No Drinking Alcohol: Governor Sir Francis Wyatt of Virginia and 32 others signed into law an “alcohol Temperance” against swearing and public drunkenness, ordering “...churchwardens shall be sworne to present them to the commanders of every plantation and that the forfeitures shall be collected by them to be for publique uses.”
    1770-Boston Massacre: the first clashes of the coming revolution occurred during this period, which saw the rise of organized political resistance to parliamentary and royal excesses in the form of the first Continental Congress. Perhaps the start of this "movement" was sparked by what came to be called the Boston Massacre, five colonists were killed (Crispus Attucks, James Caldwell, Patrick Carr, Samuel Gray and Samuel Maverick) when British troops fired on a mob of men and boys who had been taunting them and throwing stones. Capt. Thomas Preston, commander of the British contingent, and six of his men were charged with murder. They were defended in court by John Adams and Josiah Quincy. All were acquitted but two soldiers who were found guilty of manslaughter. The estimated colonial population was 2,205,000. The day is celebrated as Crispus Attucks Day, honoring Crispus Attucks, possibly a runaway slave, who was the first to die in the Boston Massacre.
Historians reported the most popular early engraving was “ The Bloody Massacre Perpetrated in King Street, Boston, on March 5, 1770, which was engraved, printed, and sold by Paul Revere. It depicted the shooting of five Americans by the British troops, and has appeared in countless children’s textbooks and general works on American history.
    1804-Supreme Court Justice Samuel Chase was impeached after charges were brought this
day by the House of Representatives. The accusations consisted of eight articles, of which the majority had to do with high-handed conduct displayed by Chase in two treason and sedition trials. There were also political reasons for the impeachment, which was encouraged by President Thomas Jefferson. The trial began on January 30,1805. Chase was acquitted and served until his death of June 19,181, at the age of 70.
Supreme Court Justice Samuel Chase
    1821 - James Monroe became the first President of the United States inaugurated on March 5th. The usual inauguration date of March 4th fell on a Sunday this year and a President cannot be inaugurated on the Christian Sabbath. While it’s still a law today, Inauguration Day was officially set back to January 20th, with Sundays not included.
    1836 - Samuel Colt made the first pistol, a .34-caliber ‘Texas’ model.
    1845 -- Congress appropriates $30,000 to ship camels to western US.
    1848 -- In the Battle of Abiqua, whites attack Klamath tribe camp at Abiqua Creek near Salem, Oregon Territory; 13 men and women killed.
    1854 - Mary Elizabeth Garrett birthday. U.S philanthropist whose endowment to Johns Hopkin s University Medical School forced it to accept women. Her first major endowment was to establish the Bryn Mawr School for Girls. Her donations guaranteed that the school would be headed by M. Carey Thomas, her domestic partner. MEG later donated more than $450,000 to Johns Hopkins University medical school for it to remain a graduate school in perpetuity that would (for the first time in its history) accept women students. With donations that eventually surpassed $350,000, MEG guaranteed that her domestic partner, the brilliant M. Carey Thomas, was made president of Bryn Mawr College (in spite of being a woman). Thomas made Bryn Mawr one of the great colleges of the nation with scholastic requirements higher than men entering Harvard University. MEG was an active suffragist. MEG lived with Thomas from about 1904 to her death in 1915 and through her will made Thomas a very wealthy woman. 
    1865-General John C. Breckinridge takes control of Confederate forces in the Appalachian Mountains of western Virginia. The Kentuckian was a former senator and had been the vice president of the country and the runner-up to Abraham Lincoln in the 1860 presidential election. Breckinridge took over the obscure Western Department of Virginia, where he managed forces until he was elevated to the Confederacy's Secretary of War in the closing weeks of the conflict.
Born in 1821, Breckinridge graduated from college when he was 17 years old. He served in the military during the Mexican War and was elected to the U.S. House of Representatives at age 30. In 1856, Breckinridge became the youngest vice president when he was elected with James Buchanan at age 35. In 1860, he represented the southern wing of the Democratic Party, which had split during the convention over the issue of slavery. He finished third in the popular vote behind Lincoln and Stephen Douglas, who represented the northern Democrats, but he received 72 electoral votes to finish second behind Lincoln. Although he lost the White House, his state legislature selected him as senator shortly after the election. During the summer of 1861, Breckinridge remained in the senate, supporting secessionists views as the war escalated. In September, Kentucky declared itself a Union state. Having literally become a man without a country, Breckinridge fled to the Confederacy and joined the army. He was made commander of the Orphan Brigade, a collection of Kentucky regiments with soldiers who found themselves geographically cut off from their native state. His unit suffered 34 percent casualties at the Battle of Shiloh, but went on to fight at most of the battles in the western theater. After taking control of the Western Department of Virginia, Breckinridge led forces at the Battle of New Market in May 1864, where his army routed a Union force. In October, troops in his department were victorious at the Battle of Saltville, but the victory was tarnished when the Confederates began massacring black soldiers during the Union retreat. When Breckrindge heard of this, he went to the battlefield and ordered his men to stop killing any prisoners, be they black or white. As soon as he left, the units involved in the battle killed all blacks and those whites who tried to protect them. It was not uncommon to kill black Union soldiers than take them as prisoner.. Breckinridge also served during Jubal Early's 1864 Shenandoah Valley campaign. On February 6, 1865, Confederate President Jefferson Davis tapped Breckinridge to be Secretary of War. He showed great ability in that capacity, but the Confederate cause had become hopeless. Breckinridge oversaw the evacuation of Richmond in March and fled southward with Davis. Unlike Davis, however, Breckinridge successfully escaped the country through Florida and into Cuba. Joined by his family, Breckinridge stayed for four years in Europe before a presidential pardon allowed him to return to Kentucky. He worked as a lawyer until his death in 1875.
    1870 -- American writer Frank Norris (1870-1902) born Chicago, Illinois. One of the first American naturalist writers; a muckraker.
    1872 - George Westinghouse patented the air brake.
    1877- Rutherford B. Hayes inaugurated as 19th US President.
    1882- Canadian soprano Pauline Donalda was born in Montreal (real name: Pauline Lightstone.) Considered a rival of the famous Melba in the early years of the 20th century, Donalda often replaced her in roles and sang with such renowned performers as Enrico Caruso. Most of her performing career was spent in Europe, but in 1937 she returned to Montreal and opened a music studio. She formed the Opera Guild in 1942, and directed it until 1969, the year before her death.
    1885-Famed pathologist and physician Louise Pearce born. She was one of the principal figures in the development of tryparsamide to control African sleeping sickness. Tryparsamide was discovered in a laboratory by several researchers, but it was Pearce who alone who went to the Belgium Congo to test it on humans. She set up a hospital, determined dosage and treatments. Under her care, every one of the 77 patients chosen for the test fully recovered. She was awarded the Order of the Crown of Belgium for her work and in 1953 was awarded the King Leopold II Prize and a check for $10,000 and a second decoration, the Royal Order of the Lion. Her three colleagues were also honored. Later she made important research discoveries regarding syphilis and cancer. Carrying one work with generations of rabbits that developed hereditary diseases and deformities, her research data was destroyed at her death. (A number of women did extensive studies on heredity and resultant deformities but very few ever got much credit.) Pearce spent her last years at Trevenna Farm, the home she shared in Skillman, NJ with novelist Ida A. R. Wylie who was part of the fabled Heterodoxy women's club. Source: The History of the Rockefeller Institute, 1901-1953, G.W. Corner, Rockefeller Institute Press, NY, 1964
.A.R. Wylie (march 16, 1885 - November 4, 1959)
Australian writer, born in Melbourne as Ida Alexa Ross Wylie. Her autobiography 'My life with George' is about her relationship with American doctor Sara Josephine Baker.* Several films were based on her books or stories, like 'The foreign legion' (1928) was based on 'The Red Mirage', the 1942 film 'Keeper of the flame' with Katherine Hepburn and Spencer Tracy was based on the book with the same name and 'Torch Song' from 1953 with Joan Crawford was based on the story 'Why should I cry'.
*Who is better known as the famous black singer Josephine Baker.
(November 15, 1873 - February 22, 1945)
American doctor and writer, born in Poughkeepsie, New York. She graduated New York Infirmary Medical College in 1898. She had a relationship with Australian writer I.A.R. Wylie.
    1888—Singer/guitarist Joshua Barnes “Peg Leg” Howell birthdya, born Eaton, GA.
    1892 -Famed writer, journalist and Lesbian Josephine Herbst born. Her trilogy Pity is Not Enough (1933), The Executioner Waits (1934) and Rope of Gold (1939) was regarded critically as "as one of the most sweeping and ambitious" fictional reconstruction of American life ever attempted by any writer. She leaned towards communism for a time but after covering the Spanish Civil War as a reporter, she broke all ties with that ideology. She had well publicized affairs with women. Her mother was a storyteller who inspired her daughter to write. Her many novels, short stories, and articles were highly praised and deserve a higher place in today's literature than is being awarded her. Died 1969.
    1893-The Culligan Man: Emmett J. Culligan, founder of world's largest water treatment organization, was born at Yankton, SD. Culligan first experimented with a water-softening device in the early 1920s--to soften water used to wash his baby's diapers. In 1936 he launched the company from a Northbrook, IL, blacksmith shop. Recipient of Horatio Alger Award in 1969, Culligan died at San Bernardino, CA, June 3, 1970. 
    1908—Birthday of Rex Harrison, born Reginald Carey at Huyton, England. Rex Harrison’s career as an actor encompassed more than 40 films and scores of plays. He won both a Tony and an A=Oscar for the role of Henry Higgins in May Fair Lady, perhaps his most famous role. Among other files, he appeared in Dr. Doolittle, Cleopatra, Blithe Spirit and Major Barbara. He claimed he would never etire from acting and he was appearing in a Broadway revival of Somerset Maugham’s the Circle thre weeks before his death, June 2,1990, at his home at New York, NY.
    1917 - The first jazz recording for Victor Records was released. The Original Dixieland ‘Jass’ Band performed on the tune "The Dixie Jass Band One Step" They had opened at Reisenweber’s Restaurant in New York City and changed their name to “Jass” as that it how it was pronounced by the owner. In this year, the group made a series of other first jazz recordings, including “ Tiger Rag,” “Reisenweber Rag,” “Barnyard Blues,” “At the Jazz Band Ball,” “ostrich Walk,” “Bluin’ the Blues, and “Clarinet Marmalade.” Some say they left New Orleans for Chicago then New York because Storyville, also know as the District, a section of New Orleans set aside for honky-tonks and sporting house. The original Storyville was established on January 1, 1898 as a legally operated red-light district in New Orleans, this being the only legal red-light district in the United States. The district was home to beautiful bordellos that were renowned for their grand architecture. The bordello's festive atmosphere was created by seductive women and mood-altering music. Storyville is believed to be the birthplace of Jazz. ("Jazz" was a slang word for sex.) The fun lasted until the fall of 1917, when the United States Department of the Navy shut it down. Later in the 1940's the "good people" of New Orleans thought they would do a good thing for the city by constructing a low-income housing project. To make way for this project the old district was completely demolished. Contrary to popular belief, many of the jazz musicians migrated to Kansas City, Chicago, and New York not because of Storyville, but to find a better paying musical job; Kansas City was hot and so was Chicago, but New York was “The Big Apple.”

    1920- Leontine Turpeau Current Kelly was born in the parsonage of Mount Zion Methodist Church in Washington, D.C. Kelly became the first Black woman bishop of a major denomination in the United States, in 1984. She was elected bishop of the United Methodist Church in the San Francisco area. From Black Women in America, Vol. 1
    1924-Bowler Frank Carauna of Buffalo, NY, became the first bowler in history to roll two consecutive 300 games in a sanctioned league competition. He had five strikes on third game, rolling 29 strike sin succession. His score for the four games was 1,115 ( 300,300,268,247).
    1924-pianist Dave Burns born Perth Amboy, NY
    1928-Pianist Lou Levy Born, West Coast jazz great, also recorded with Sinatra, Peggy Lee, Nancy Wilson, Anita O’Day. I remember him at the Lighthouse in Hermosa Beach, where he played
with various musicians from a trio to West Coast jazz.; died Jan 23, 2001
    1929- Louis Armstrong (with Jack Teagarden) records “Knockin’ A Jug.” NYC.
    1931 - Lawrence Tibbett recorded the now much-recorded tune, "Without a Song" for Victor Records. This melody came from the film, "The Southerner" and has been a hit for many, such as Willie Nelson, Frank Sinatra and Tony Bennett.
    1931-Female aviator, Jerrie Cobb born. She was the first woman to qualify as an American astronaut. She was consequently rejected because she was a woman. JC learned to fly at 12, earned her pilot's license at 16, and received her commercial and flight instructor's license at 18, At 21 JC was the only female international ferry pilot in the United States. As chief pilot, she flew over wild terrain and mountains, once being arrested as a spy after a forced landing in South America. JC passed the same 87 physical and psychological tests administered by NASA that it used in the selection of the original seven male astronauts. Several women, including Cobb, surpassed the test results of the men who were chose (including right stuff himself John Glenn). NASA officials admitted later in a Congressional investigation that they had no intentions of allowing women to pilot space craft; the testing was merely a sop. [Some revisionists today are questioning the charge and claiming that the rejection of women was a practical matter, not sexual bias. The author of WOAH has seen the original spacecraft at the Kennedy Space Center at Cape Canaveral. In many of the first flights, the astronauts were simply passengers, lying strapped to "mattresses" and with only a small porthole to see outside. There was no moving around and now piloting involved.]
JC is one of the four Americans to hold the Golden Wings of the Federation Aeronautique Internationale and was chosen 1959 pilot of the year by the National Pilot's association. She was nominated for a Nobel Peace Prize for her piloting of medical supplies into dangerous South American locations. Two other noted women pilots were tested by NASA (and passed the tests), Wally Funk and Bernice Steadman. Both the women do NOT agree with revisionists and maintain it was sexual bias that kept them from the program. Cobb testified before a congressional hearing that of the 25 women who applied to the space program in 1960, 13 had been found qualified. The National Air and Space Museum described the turndown: "They had hoped to be the country's first women in space and they had reason to think that a few might make it. But no one had warned them that having the 'right stuff' might also mean being the 'right sex.'"
The following information was gleaned from information provided by the web site of the 99s - the organization of women in aviation. It is located at and is a fascinating site! President Lyndon Johnson announced the formation of the FAA's Women's Advisory Committee on Aviation, May 4, 1964. Most of the 27 non-government members, including Jane Hart and Jean Ross Howard, co-chairman, and five government members, were 99s. Although members of this committee pushed for admission of women to NASA, they were 17 years too early to become astronauts.
In 1961, Jerrie Cobb was the first female to pass all three phases of the Mercury astronaut Program. Twelve other 99s passed the series of 75 exhaustive physical competence tests and laboratory tests. They were rejected, and the first female in space was Russian. Jerrie Cobb was deeply discouraged by the failure of NASA to put a female in space, and in the same year (1964) she became a jungle pilot in the Amazon. She has devoted all her resources and talents to helping Indian tribes in unexplored parts of six countries. (and was nominated for the Nobel Peace Prize for her efforts). In June 1963, Valentina Terreshkova, Soviet cosmonaut, became the first woman in space. She manually controlled Vostok-6 during parts of the 70.8-hour flight through 48 orbits of earth. Some revisionists, aka Historians, have said that VT was only a pretty face passenger "allowed" to touch the controls for publicity purposes. In fact, she went through a rigorous training program the same way the male cosmonauts did. It would be 32 years after Terreshkova before an American woman touched the controls of a space craft! In the meantime to squelch growing complaints, on 01-16-1978, the post of "Mission Specialists" was created by NASA and six women were appointed to fill the posts. It marked the first time since the inception of the U.S. space program in 1959 that NASA had recognized women. Janet Guthrie, who would win fame as an Indianapolis 500 racer, was turned down because NASA decided all the women had to have Ph.D. degrees. The first American woman in space was Sally Ride, who used the shuttle robot arm to release and retrieve satellites. The first American woman to perform a space walk was Kathryn Sullivan, who practiced techniques for refueling satellites, and Kathryn Thorntorn went outside the shuttle to help repair the Hubble Space telescope. The non-pilot women trainees hold Ph.D's in their fields of expertise. On February 2, 1995 Cobb was the personal guest of Lt. Colonel Eileen Collins, 38, as Collins lifted off from Cape Canaveral in the co-pilot's seat - the first woman to co-pilot an American space craft. An Air Force test pilot, Collins was selected for the NASA space program in 1990, the first woman chosen as a space shuttle pilot. Eight years later she would sit in the pilot's seat to become the first American woman to pilot a spacecraft. Her first command was a frightening one because of equipment failure but she kept her cool and the mission was completed. Since then other women has quietly moved into the pilot's seat. However, when NASA decided to test the effects of space on older people, they chose John Glenn (a U.S. Senator with a life of sedentary pursuits) instead of Jerrie Cobb - again. Glenn became quite ill on the flight and it almost had to be scrubbed. Cobb who maintained her physical abilities was disgusted. Perhaps one of the reason was that fact she is considered a lesbian.
    1933- Bank Holiday: on his first full day in office (Sunday, Mar 5,1933), President Roosevelt proclaimed a national "Bank Holiday" to help save the nation's faltering banking system. Most banks were able to reopen after the 10-day "holiday" (March 4-14), but in the meantime, "scrip" had temporarily replaced money in many American households.
    1936 - Metro-Goldwyn-Mayer’s "Mutiny On The Bounty" (produced by Irving Thalberg and Albert Lewin) was voted Outstanding Production, as they used to say. The 8th Academy of Motion Picture Arts and Sciences (AMPAS) Academy Awards ceremony was held at the Biltmore Hotel, Los Angeles. Director/producer/writer/actor Frank Capra hosted the big giveaway honoring the films of 1935, which saw Victor McLaglen take the Best Actor prize for "The Informer" (John Ford won for directing this one). Best Actress was Bette Davis in "Dangerous". In case you are wondering, they didn’t start handing out those Supporting Actor/Actress awards until 1937. The Best Music/Song award winners were Harry Warren (music) and Al Dubin (lyrics) for the song "Lullaby of Broadway" from "Gold Diggers of 1935". An Oscar for Short Subject/Cartoon was awarded to some guy named Walt Disney for his ’toon, "Three Orphan Kittens".
    1937 -- The American government officially apologizes to Nazi Germany for New York Mayor LaGuardia's reference to Adolf Hitler as a "brown- shirted fanatic."
LaGuardia has been called "the conscience of the 20s." Best known as the tempestuous mayor of New York City, he served in Congress between 1917 and 1933, where, in an era marked by nativism and bigotry, LaGuardia spoke up for internationalism, freedom of speech, and the rights of minorities and the poor. The issues he fought for included price controls, the right to strike, public power, and the redistribution of wealth by taxation. He is best known for reading the comics on radio ever Sunday. He is perhaps New York’s most beloved mayor. Died, 1947.
    1939- Glenn Miller opens at Meadowbrook, Cedar Grove, NJ, his first important booking.
    1944 ---Top Hits
Besame Mucho - The Jimmy Dorsey Orchestra (vocal: Bob Eberly & Kitty Kallen
My Heart Tells Me - The Glen Gray Orchestra (vocal: Eugenie Baird)
Mairzy Doats - The Merry Macs
Ration Blues - Louis Jordan
    1948- Poet and novelist Leslie Marmon Silko born. She is often referred to as the premier Native American writer of her generation. LMS is of the mixed ancestry of Amerind/Laguana Pueblo, Mexican and white. She grew up on the Laguana Pueblo reservation in New Mexico. "Silko drew on the Laguna stories she had heard in childhood. She combined concerns of Laguna spirituality, such as the relationship between human beings and the natural elements, with complex portrayals of contemporary struggles to retain Native American culture in an Anglo world," one critic wrote. Her first full novel was Ceremony (1977) and her second Almanac of the Dead (1991). In 1981 Silko received a MacArthur Foundation fellowship, and she produced the volume Storyteller made up of poetry, tribal stories, fiction, and photographs Like many Amerinds in the Southwest who have to travel huge distances to attended school on a daily basis, Silko traveled 100 miles a day to school in Albuquerque
    1951- The religious program "Circuit Rider" debuted over ABC television. The broadcast featured music selections and biographies of evangelists, and was produced by Franklin W. Dyson.
1951-Ike Turner and his Kings of Rhythm record "Rocket 88" with producer Sam Phillips at his Memphis Recording Service. When the up-tempo combination of Swing and Jazz is released, it is credited to Jackie Brenston and his Delta Cats and is now said by many music historians to be the first true Rock 'n' Roll record. 
    1951-Sam Phillips launches Sun Records by releasing "Drivin' Slow" by 16-year-old saxophonist Johnny London.
    1952---Top Hits
Cry - Johnnie Ray
Slowpoke - Pee Wee King
Anytime - Eddie Fisher
Wondering - Webb Pierce
    1955 -- Elvis Presley makes his television debut on the regionally telecast "The Louisiana Hayride." 
    1955---In the wake of the continual controversy on offensive R&B records, BMI, the largest organization of music publishers. releases plans to tighten controls on objectional lyrics. BMI never gave clearance to nearly a dozen of singles, some like Big Joe Turner's "Shake Rattle & Roll" became major hits.
    1956 -- The U.S. Supreme Court affirms the ban on segregation in public schools in Brown vs. Board of Education.
    1957- Sergeant Bilko satirizes Elvis Presley (Elvin Pelvin) Rock'n'Roll Rookie (Written by Nat Hiken & Billy Friedburg; #3557; Mar. 5th) When singing sensation Elvin Pelvin is drafted, the army can't cope with his screaming fans. The solution? Transfer him to a quiet, out-of-the-way posting. Perhaps somewhere in the Mid-West, where he will attract less attention and be safe from the less scrupulous soldier who might try to exploit his fame and fortune...
    1958-Buddy Holly and The Crickets began their only UK tour, playing two sets each evening for 25 nights. 
    1959-- Bobby Darin records "Dream Lover" 
    1960 - After 2 years in the United States Army, Elvis Presley returned to civilian life. Not since the return of General Douglas MacArthur from battle has a soldier gotten such publicity. Before his induction he recorded enough material so that a steady stream of Elvis hits were released during his tour of duty. He continued to dominate the charts through the mid-'60s and made more than 20 movies. Elvis stopped performing live in 1961 but made a comeback in the late 60s, becoming a Las Vegas fixture and releasing several top singles, including "In the Ghetto" and "Suspicious Minds" in 1969. As his popularity continued to skyrocket, the "King of Rock and Roll" allegedly turned to drugs. His final live performance was on June 25, 1977, and on August 16, 1977, the day of his next scheduled concert, his girlfriend found him dead in a bathroom at Graceland, the Memphis mansion he built and named after his mother. Congestive heart failure was initially cited as the cause of death, but prescription drug abuse was suspected as a contributing factor. He was buried at Graceland. Nine years after his death, he was one of the first 10 people inducted into the Rock and Roll Hall of Fame. During his life, he had earned 94 gold singles and more than 40 gold LPs.
    1960 - Eastern Massachusetts greatest March snowstorm of record began to abate. The storm produced record 24 hour snowfall totals of 27.2 inches at Blue Hill Observatory, 17.7 inches at Worcester, and 16.6 inches at Boston. Winds gusted to 70 mph.
    1960---Top Hits
The Theme from "A Summer Place" - Percy Faith
Handy Man - Jimmy Jones
Beyond the Sea - Bobby Darin
He’ll Have to Go - Jim Reeves
    1962 - A tremendous storm raged along the Atlantic coast. The great Atlantic storm caused more than 200 million dollars property damage from Florida to New England. Winds along the Middle Atlantic Coast reached 70 mph raising forty foot waves, and as much as 33 inches of snow blanketed the mountains of Virginia. The Virginia shoreline was rearranged by historic tidal flooding caused by the combination of the long stretch of strong onshore winds and the "Spring Tides".
    1963 - Country-pop singer Patsy Cline was killed in a single-engine plane crash near Camden, Tennessee. Also killed were Cowboy Copas and Hawkshaw Hawkins. The three were returning to Nashville from Kansas City, where they had participated in a benefit concert for the widow of a disc jockey. The DJ, Cactus Jack Call, had been killed in a car crash.
    1966- "The Ballad of the Green Berets" by Staff-Sergeant Barry Sadler reached number one on the Billboard Hot 100 chart. It was the top song in the US for five weeks. The album did even better, topping the LP chart for 13 weeks.
   1966--HIBBS, ROBERT JOHN  Medal of Honor
Rank and organization: Second Lieutenant, U.S. Army, Company B, 2d Battalion, 28th Infantry, 1st Infantry Division. Place and date: Don Dien Lo Ke, Republic of Vietnam, 5 March 1966. Entered service at: Des Moines, Iowa. Born: 21 April 1943, Omaha, Nebr. G.O. No.: 8, 24 February 1967. Citations: For conspicuous gallantry and intrepidity at the risk of life above and beyond the call of duty. 2d Lt. Hibbs was in command of a 15-man ambush patrol of the 2d Battalion, when his unit observed a company of Viet Cong advancing along the road toward the 2d Battalion's position. Informing his command post by radio of the impending attack, he prepared his men for the oncoming Viet Cong, emplaced 2 mines in their path and, when the insurgents were within 20 feet of the patrol's position, he fired the 2 antipersonnel mines, wounding or killing half of the enemy company. Then, to cover the withdrawal of his patrol, he threw hand grenades, stepped onto the open road, and opened fire on the remainder of the Viet Cong force of approximately 50 men. Having rejoined his men, he was leading them toward the battalion perimeter when the patrol encountered the rear elements of another Viet Cong company deployed to attack the battalion. With the advantage of surprise, he directed a charge against the Viet Cong, which carried the patrol through the insurgent force, completely disrupting its attack. Learning that a wounded patrol member was wandering in the area between the 2 opposing forces and although moments from safety and wounded in the leg himself, he and a sergeant went back to the battlefield to recover the stricken man. After they maneuvered through the withering fire of 2 Viet Cong machine guns, the sergeant grabbed the dazed soldier and dragged him back toward the friendly lines while 2d Lt. Hibbs remained behind to provide covering fire. Armed with only an M-16 rifle and a pistol, but determined to destroy the enemy positions, he then charged the 2 machine gun emplacements and was struck down. Before succumbing to his mortal wounds, he destroyed the starlight telescopic sight attached to his rifle to prevent its capture and use by the Viet Cong. 2d Lt. Hibb's profound concern for his fellow soldiers, and his intrepidity at the risk of his life above and beyond the call of duty are in the highest traditions of the U.S. Army and reflect great credit upon himself and the Armed Forces of his country.
    1968-Sales of "Simon Says" by the 1910 Fruitgum Company reach the one million mark during the short-lived Bubblegum music craze. 
    1968—Top Hits
Love is Blue - Paul Mauriat
(Theme From) Valley of the Dolls - Dionne Warwick
(Sittin’ On) The Dock of the Bay - Otis Redding
Skip a Rope - Henson Cargill
    1969 - For the first time, the rock magazine, "Creem", was published.
    1969-Top Ten first woman:, Ruth Eisemann-Schier, to be listed in the famous FBI Top Ten .was convicted, and sentenced to a seven-year prison term. She had kidnapped Barbara Jane Mackle from a motel in Decatur, GA, on December 17, 1968, in a sensational television first major coverage. Mackle was found alive about 80 hours after the abduction, buried in a box under ground, many say due to the television coverage. 
    1974- Helen Thomas was named UPI White House reporter, the first woman ever named to cover the presidential beat. She had been an award-winning reporter in Washington for 30 years before being allowed to cover the president. For many years women reporters, such as Lorena Hickok were only allowed to cover the wives of presidents.
    1974-Gregg Allman's first solo album, "Laid Back" attains gold status and at the same time starts rumors that the Allmans are splitting.
    1975 - No. 1 Billboard Pop Hit: ``Have You Never Been Mellow,'' Olivia Newton-John. The song is also a country hit for the singer, reaching No. 3 on Billboard's country singles chart.
    1976---top Hits
Theme from S.W.A.T. - Rhythm Heritage
Love Machine (Part 1) - The Miracles
All by Myself - Eric Carmen
Good Hearted Woman - Waylon & Willie
    1977-"The Love Theme from A Star Is Born", from the film starring Barbra Streisand and Kris Kristofferson, was the top tune in the US. 
    1977 - President Jimmy Carter joined CBS News anchor Walter Cronkite for the first ever “Dial-a-President” radio talk show. It was carried on 260 CBS stations, with the President answering a variety of questions from listeners across the United States. It was called “Ask President Carter,” from the Oval Office in the White House. 42 listeners from 26 states phoned in questions on the nationwide radio broadcast. 1981- World Men's Figure Skating Championship in Hartford won by Scott Hamilton (USA)
    1982 -- Comedian and Blues Brother John Belushi, 33, dies of drug overdose in the Chateau Marmont Hotel in Beverly Hills. He was a great comedian and this is
an example of how drugs take over control of your life.
    1982 - General Motors shuts its Fremont plant, furloughing its last 2,500 workers while it waits to see if the economy and changes in American car-buying tastes will justify reopening the factory. A white Oldsmobile Ciera rolled off the assembly line at 9:15 a.m. March 4, the 4,282,215th vehicle produced there. It may also be the last. 
    1984—Top Hits
Jump - Van Halen
99 Luftballons - Nena
Girls Just Want to Have Fun - Cyndi Lauper
Woke Up in Love - Exile
    1984 –Quarterback Steve Young from Brigham Young University was signed by the Los Angeles Express of the United States Football League to a “substantial” contract. The football all-American inked a pact that would earn him $40 million dollars over a 43-year period, in one of the most complicated contracts ever -- lasting until 2027. The USFL folded not long after he signed the lucrative deal. Young became the back-up quarterback for football legend, Joe Montana, in San Francisco. In 1994, when Montana moved to the Kansas City Chiefs, Steve Young took over the reins to lead the 49ers. He lived not far from here in Saratoga, where he was often seen running. Rumor has it that he lived in only one room of the house, as he was single at the time, constantly working out, and when his mother visited him she found more than one years of his salary checks in a drawer that he did not have the time to deposit.
    1985 - Mike Bossy of the New York Islanders became the first National Hockey League player to score 50 goals in eight consecutive seasons. Two players have scored 50 goals in six seasons: Wayne ‘The Great One’ Gretzky of Los Angeles and Guy Lafleur of Montreal. 
    1985 - No. 1 Billboard Pop Hit: ``Can't Fight This Feeling,'' REO Speedwagon.
    1987 - A storm in the western U.S. produced heavy rain and high winds in California. Up to six inches of rain soaked the San Francisco Bay area in 24 hours, and winds gusted to 100 mph at the Wheeler Ridge Pumping Plant near the Tehachapi Mountains.
    1989- Pepsi Cola in the US said it would withdraw its Madonna TV ads from any station that showed the singer's new video, "Like a Prayer." Pepsi in Canada declined to take similar action. But in any case the entire Madonna-Pepsi campaign was scrapped a month later. The video, which already had been banned in Italy, showed a scantily-clad Madonna kissing the naked feet of a statue in a church sanctuary and caressing a priest. Pepsi had paid the singer a reported $5 million to star in a two-minute TV commercial, featuring the same music as the video but showing a more subdued Madonna.
    1989 - Thunderstorms produced severe weather in the southeastern U.S. A strong (F-2) tornado killed one person and injured six others in Heard County GA. A strong (F-3) tornado injured 23 persons and caused more than five million dollars damage around Grantville GA.
    1993- Washington Redskins head coach Joe Gibbs resigned his position after 12 seasons. Gibbs’ teams compiled a 140-65 record and won three Super Bowls.
    1996-Netscape announces that it will slash prices for its Internet server software. The move came in reaction to competition from Microsoft, which started giving its browser away for free. Microsoft's fierce efforts to compete against Netscape would come under the scrutiny of the Justice Department in antitrust litigation in 1998; however, the investigation came too late for Netscape. The once high-flying company was purchased by America Online in late 1998.
    1999 — Records chosen today for inclusion in the US National Recordings Registry: "Blue Suede Shoes," Carl Perkins; "Be My Baby," The Ronettes; "A Change Is Gonna Come," Sam Cooke; "(I Can't Get No) Satisfaction, the Rolling Stones.
    2002--The first episode of The Osbournes TV show was aired on MTV in the US. Focusing on Ozzy and his family, they bicker, squabble, curse and hang out backstage at Ozzy's shows.
    2004--The Sunday edition of Britain's Daily Mail lists Paul McCartney's worth at 1.3 billion US dollars. 
    2005-Academy Awards: Jon Stewart of the “Daily Show” was the host. Crash best picture, actor in a leading role: Philip Seymour Hoffman, Capote,actress in a leading role: Reese Witherspoon, Walk the Line, actor in a supporting role: George Clooney, Syriana,actress in a supporting role: Rachel Weisz, The Constant Gardener; best director: Ang Lee, Brokeback Mountain, best screeplay written for the motion pictures: Paul Haggis and Robert Moresco, Crash,Screenplay Based on Material Previously Produced or Published Larry McMurtry and Diana Ossana, Brokeback Mountain.Best song: “It's Hard Out Here for a Pimp,” Hustle & Flow, Jordan Houston, Cedric Coleman, and Paul Beauregard,Original score: Gustavo Santaolalla, Brokeback Mountain
    2007-Records chosen today for inclusion in the US National Recordings Registry: "Blue Suede Shoes," Carl Perkins; "Be My Baby," The Ronettes; "A Change Is Gonna Come," Sam Cooke; "(I Can't Get No) Satisfaction, the Rolling Stones.




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