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entertainment for the commercial bank, finance and leasing industry

############# EXTRA - Regular Edition Follows Below ########

More on the Passing of Jim McGrane from ELFA

“It is with heavy hearts that we tell you that our friend and colleague, Jim McGrane, passed away March 13 after a brief illness.  His family was by his side.

“We ask that you please keep his wife, Maryann, his children, Samantha and Geoffrey, and his parents in your thoughts and prayers as they go through this difficult time.

“A wake will be held Monday and Tuesday evening, and a Funeral Mass and reception will be held on Wednesday morning.  Details regarding services will be available at  In lieu of flowers donations may be made to the Amyloidosis Foundation.

“The Jim McGrane Memorial Website has been created to capture and share remembrances of Jim.  Please feel free to share this link with anyone you believe would like to participate. It is way for all of us to pay our respects and express our appreciation with each other and Jim’s family."


“Jim was a pioneer and leader in our industry for more than 30 years, and was a long-time member of the ELFA Board.  Jim most recently was the head of EverBank’s Commercial Division, leading the management of the company’s combined commercial finance, commercial real estate and business banking operations.

“Throughout his long and storied career, Jim touched the lives and careers of many professionals in our industry.   He was a co-founder of USXL and Tygris Vendor Finance, and held leadership roles with US Leasing, AT&T Capital and Heller Financial and also created two successful management consulting practices.

“Jim made an immeasurable contribution to the success of ELFA and its members.  He served as a member of the ELFA’s Board of Directors and Executive Committee, and previously served as Chairman of the Small Ticket Business Council.”

############# Regular Edition Follows Below ########

Friday, March 14, 2014

Today's Equipment Leasing Headlines

Jim McGrane Passes Away
 Archives---March 14, 2006
  Marlborough names LaChance “Business Person of the Year”
   Classified Ads---Operations
    Ascentium Capital Closes $200 Million Securitization
     Chesswood Record pretax earnings of $19.7 million
New Hires---Promotions
 Classified Ads---Help Wanted
  The Rapid Rise of the Internet
   Inside Balboa’s Patrick “Evergreen” Byrne’s Head
    Meet Leasing News Advisor Rosanne Wilson
     2014 Leasing Association Conferences--Update
 Top 50 credit unions grow in the face of new regulations
  Pacific Electric Solar Offers 100% Financing
   for Solar Projects through First US Finance LLC
    Cannabis Market Continues Rapid Growth
     Adds Both Real Estate and Equipment Leasing
   The Monuments Men/Blue Is the Warmest Color
    The Lego Movie/The Counselor/All is Lost
     Reviews by Fernando Croce
      Great Dane
       Austin, Texas Adopt-a-Dog
News Briefs---
Bank of America’s Revolutionary New Type of Account
 --- Costs $5 a Month
  303 Deaths Seen in G.M. Cars With Failed Air Bags
   Mark Zuckerberg tells Obama he is 'frustrated' over government surveillance
    Job creation bumps mortgage rates higher
     Coinbase: Bitcoin's Future Bright Despite Mt. Gox BK
      Airlines hurt as Ukraine crisis lifts oil price

Broker/Funder/Industry Lists | Features (collection)
Top Ten Stories Chosen by Readers | Top Stories last six months (Be Careful of Doing Business)

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Jim McGrane Passes Away

Jim McGrane, Executive Vice-President

"It is with great sadness that we must inform you that our dear colleague and friend, Jim McGrane, passed away earlier today. We were informed that Jim suffered from an illness that was short-term, but one that he could not overcome. As further details become available regarding services and plans for a funeral, we will make sure you are informed."

Woody and Adam
Equipment Leasing & Finance Association

Mr. McGrane was vice-chairman, first, ELFA.

From Everbank website:

“With over 30 years of experience, Jim McGrane is a veteran of the business of equipment leasing. In addition to co-founding USXL and leading Tygris Vendor Finance, Jim has held leadership roles with such industry standouts as US Leasing, AT&T Capital, and Heller Financial. As Group President of Heller Global Vendor Finance, Jim was responsible for running the company’s activities in North America, Latin America, Europe, and Asia. Jim is no stranger to building successful businesses, having launched AT&T's CapitaPlus business—later sold to American Express—and two successful management consulting practices. His expertise spans sales and marketing, business process and organization design, business development, and global relationship-building.

“Currently a member of the Equipment Leasing & Finance Association’s board of directors and executive committee, he also previously served as Chairman of the Small Ticket Business Council. Jim is a graduate of New York Institute of Technology.”

The following is from his biography:
-- Executive Vice President - Commercial Group, EverBank (September 2013 – Present);
-- President, EverBank Commercial Finance (February 2010 – September 2013);
-- President, Tygris Vendor Finance (May 2008 – February 2010);
-- CEO & President, US Express Leasing (2004 – 2008);
-- President - Global Vendor Finance, Heller Financial (1999 – 2002);
-- Principal, Integra Consulting, LLC (1994 – 1998);
-- Senior Vice President, AT&T Capital Corporation (1985 – 1994);
-- Sales Management, US Leasing Corp. (1980 – 1985).

When more information is available regarding where to send condolences and funeral, Leasing News will inform readers.



Archives---March 14, 2006
Marlborough names LaChance “Business Person of the Year”

Sandra LaChance with husband Larry

Larry LaChance, president of Bankers Capital in Marlborough, Massachusetts was named the Marlborough Regional Chamber Business Person of the Year.

“Larry is an active ambassador for the Chamber and now serves out board of director,” said Susanne Morreale Leeber, president and CEO of the Marlborough Regional Chamber of Commerce. “By joining together, business people have accomplished and can still accomplish what no one person could do alone.”

LaChance has been a member of the local Chamber since 1995 and was a founding member of the Marlborough Chapter Business Network International.

“People will forget what you said, and people will forget what you did, but people never forget how you made them feel,” said LaChance in accepting the award.

Here is the front page of the newspaper with the story:




Classified Ads---Operations


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

Dallas/Fort Worth or Will Work Remotely

Active CLP/BPB Leasing Superstar! Unmatched work ethic and positive energy - strong attention to detail - have taken transactions from application through funding.  Have worked as both broker & funder.  Problem solver - strong sales and customer service personality.  I keep the deals moving and alive!  Will relocate for the right opportunity.

Want To Work From Home
Have 10+ years in readying Lease Origination Documentation, Litigation case mgmt., Collection, Repossession, Remarketing, complete Discovery and Interrogatories, attend Trials and Mediation, prepare and submit SAR’s, translate for Spanish speaking customers, clients and employees, monitor high risk accounts for monetary penalties, bankruptcy management. Email: BRFR@ATT.NET

Willing to relocate
Having successfully held senior level operations and sales & marketing positions in the receivable management industry, I'm a hybrid who understands business from both perspectives. I have almost twenty-five (25) years’ experience selling services to Fortune 500 companies and operating large, nationally licensed call centers / collection agencies. - Resume


Free Posting for those seeking employment in Leasing

All “free” categories “job wanted” ads:


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

Ascentium Capital Closes $200 Million Securitization

KINGWOOD, TX, – Moody’s Investors Service and DBRS issued the highest possible ratings, Aaa and AAA respectively, on Ascentium Capital’s senior class of notes in their second securitization which closed today. The underwriters of the transaction were Bank of America, Credit Suisse and JP Morgan Chase Bank.

The triple-A ratings significantly lower the cost at which the organization borrows funds enabling Ascentium Capital to become even more competitive.

Tom Depping

"This rating validates the strength and stability of Ascentium Capital," said Tom Depping, Chief Executive Officer of Ascentium Capital.

The ratings were based on several critical factors including:

  • Strong financial condition of the company

  • Consistent portfolio performance over the past 10 years

  • Continuous leadership by an experienced executive management team

  • Efficiency-based finance model driven by a proprietary technology platform

Evan Wilkoff
Exec. VP, Capital Markets

“Our highly diversified funding strategy also helped us achieve this rating,” Evan Wilkoff, Executive Vice President of Capital Markets, said.” As we continue to build off of our proven strategy, we're confident this momentum will drive exceptional business growth and profitability in 2014.”

Ascentium Capital, as a direct lender, specializes in providing equipment financing and leasing solutions that drive growth and profit for equipment manufacturers, distributors as well as direct financing to businesses nationwide. The company is backed by the strength of leading private investment firms Vulcan Capital and LKCM Capital Group, LLC. For more information, please visit

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


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

Chesswood Record pretax earnings of $19.7 million

TORONTO, ONTARIO-- - Chesswood Group Limited (the "Company" or "Chesswood") (TSX: CHW) announced its results for the year ended December 31, 2013.

The Company's income before taxes was $19.7 million for the year, compared to $16.6 million in 2012, an increase of 19%.

Barry Shafran

"This year was another milestone year for Chesswood. Pawnee generated record earnings, we launched Windset Capital in October, our new U.S. based working capital business, while Case Funding and Acura Sherway posted excellent results which also improved over the prior year," said Barry Shafran, the Company's President and CEO.

Chesswood paid dividends of $8.1 million in 2013, compared to $7.2 million in 2012.

Financial Highlights

For the Year

(in CDN $000's, except EPS)

Ended December 31




Income before taxes, fair value adjustments, debenture issue costs & unrealized foreign exchange










Net Income










Adjusted EBITDA(1)










Earnings Per Share - basic





Debenture, Northstar Leasing and Windset Capital

December 16, 2013, Chesswood announced it had completed its offering of $20.0 million aggregate principal amount of 6.50% convertible unsecured subordinated debentures. The Debentures have been listed on the TSX under the symbol CHW.DB.

On February 3, 2014, Chesswood announced that it had purchased of all of the outstanding shares of Northstar Leasing Corporation, a long-standing non-prime commercial equipment finance company, located in Barrie, Ontario. Chesswood now has a North-American small ticket platform and can offer its products and services to brokers and their customers, regardless of which country they operate in. Northstar has decades of experience and management believes that this experience coupled with Pawnee's expertise, will allow the businesses to leverage the strengths of one another.

During February, Chesswood injected an additional U.S. $1.75 million into Windset Capital Corporation to fund growth in its working capital loan portfolio. In conjunction with this additional investment, Pawnee's syndicate of lenders approved amendments to the current banking agreement that provide Windset with access to an additional U.S.$5.0 million of capital from Pawnee's credit facility.

These financing activities reflect the stronger than expected originations of Windset, since its launch in late 2013.

Non GAAP Measures

References to Adjusted EBITDA are not recognized measures under International Financial Reporting Standards and do not have standard meanings. Accordingly, these measures may not be comparable to similar measures presented by other issuers.

Please refer to the Company's Management Discussion and Analysis for the three months and year ended December 31, 2013 for additional information concerning this measure and a reconciliation of this measure to the Company's consolidated net income for the period.

About Chesswood Group Limited 

Chesswood is a specialty finance company with operating businesses in both Canada and the U.S.

To learn more about Chesswood Group Limited,

The separate websites of Chesswood Group Limited's operating businesses are at:,, and

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





New Hires---Promotions

Terry Gill has joined First Financial Healthcare Solutions, Placentia, California, as regional vice president; working out of Atlanta, Georgia, to cover the southwest. Previously he was Sr. VP of Healthcare Finance, ePlus Technology (2011–2014 ); Senior VP-Healthcare Finance, Bank of America (2006–2011); Vice President Healthcare Financial Services, GE Capital (2003–2006); Director of Sales and Marketing, Marcap Corporation (1996–2003); Regional Sales Manager, Toshiba America Medical Systems (1991–1996); President, Sunbelt Digital Displays, Inc. (1985–1991); CT Product, Specialist/District Sales Manager, Picker International (1981–1985); CT Product Specialist, Technicare Corporation (1978–1981); Sales Representative, Pfizer (1977–1978); Health Education Teacher/Assistant Basketball Coach. Holy Cross High School (1975–1977); Graduate Assistant Basketball Coach, University of New Orleans (1974–1975). He currently is on the Board of Directors Entrada, Inc. (January 2011–Present). Education: University of New Orleans, M.Ed., Educational Administration (1974–1977), Activities and Societies: Graduate Assistant Basketball Coach (1975); University of New Orleans, BS, Health and Physical Education (1970–1974). Activities and Societies: Basketball scholarship.

Nancy Hepner named Document Specialist II/Officer at SunTrust Equipment Finance & Leasing Corp., Baltimore, Maryland. She joined the firm March, 2007. Previously she started as commercial administrator for SunTrust Bank, becoming commercial administrative supervisor, and in December, 2003 became a credit analyst for the bank. June 1995–July 1999, Real Estate Closing Specialist, First Union National Bank. Education: Overlea Senior High School Accounting, 1978–1980. Community College of Baltimore. Currently Working on Associates, Accounting and Business/Management.

Gregory “Greg” S. Leymon appointed vice president and named leasing manager for Michigan for Key Equipment Finance, Superior, Colorado. Previously he was Vice President, Fifth Third Bank (April 2004–March 2014); Vice President, National City Bank (1997–2003); Vice President, NBD Equipment Finance (1993–1997).

Education: The University of New Mexico - Robert O. Anderson School of Management; Bachelors of Science, Finance (1981–1983). Activities and Societies: Sigma Alpha Epsilon Fraternity. Michigan State University, Undergrad, Finance (1979–1981).Charlevoix High School.

Stacey Mainiero named Chief Operating Officer at ZRG Partners, West Orange, New Jersey, a newly created position in the company, managing global operations for all ZRG offices. Larry Hartmann, CEO of ZRG Partners commented, “Coming off of two straight years of 35% revenue growth, it was time to elevate our management team with someone of Stacey’s global operations pedigree. Her experience aligns perfectly to our requirements as the fastest growing retained search firm in the world. Having just completed a meaningful acquisition in the first quarter and with more growth plans for 2014, her leadership will allow us to continue to grow in this market.” Previously she was Senior Director of Operations, North East Region, Korn Ferry International (February 2008 – February 2013); Assistant Controller, United Retail Group (2004–2007 ); Assistant Controller, Director of Disbursements, United Retail Group (2002–2004); Vice President, Corporate Financial Operations & Director of Accounting, Allied Office Supplies Inc. (1999–2002); Accounting & Finance Consultant Globe Mortgage America & Re/Max (1996–1999); Manager of Finance/Audits & Manager of Accounting Royalties, BMG Music (1993–1996). Education: The College of New Jersey, Bachelor of Science, Business Administration, Accounting, Finance

Ron Mitchell has been promoted to Executive Vice President of BancLease Acceptance Corporation; based in Irving Texas. He joined the firm January, 2009. From 1994, the leasing company he worked with merged as Ron worked his way up from regional marketing officer to vice-president to senior vice-president when Affiliated Corporate Services merged with First Commerce to become Banc Partners Leasing. He was responsible for originating all broker transactions on a national basis, actually making proposals to the internal credit committee and senior credit committee, making sure he was successful for his broker following. In 2002, the merger unwound and it was back to Affiliated Corporate Services, which the following year became Heritage Affiliated Corporate Services, and in 2005 was merged into Heritage Pacific Leasing, Fresno, California where he was the National Account Manager. He continued this, delivering a lot of business, approvals, until a day in November, 2007, when the entire sales force was told to go home, including the president and senior vice-president of the company. Ironically his longtime friend at Affiliated, Jim Lahti, now works with him at BancLease.

Bon Wier named Wholesale Account Manager at De Lage Landen; based in Austin, Texas. Previously he was Senior Financial Analyst, Economic Development Bank, Office of the Governor, State of Texas (March 2012–February 2014); Syndications Manager, Dell Financial Services (August 2005–July 2011); Manager Credit and Syndications, State and Local Government, Oracle Corporation (February 2004–August 2005 ); Regional Manager, Leasing Group, Inc., (1995–2004). Education: Texas State University-San Marcos, BS, Economics -Agriculture.


Leasing Industry Help Wanted







Inside Balboa’s Patrick “Evergreen” Byrne’s Head

(More on Balboa vs. Regents Capital Next Week
with some real nuggets)


Leasing News Advisor 
Rosanne Wilson

Rosanne Wilson, CLP, B.P.B.

A long-time friend and supporter of Leasing News, Rosanne Wilson, CLP, B.P.B., joined the Leasing News Advisory Board in 2010.

Rosanne served two terms as president and one termas vice-president of the CLP Foundation. She has served on the CLP Foundation's Board of Directors for 6 years.

Rosanne most recently completed 5 years serving on the Board of Directors of the National Association of Equipment Leasing Brokers (NAELB); one year as a Director and four years as Treasurer. She remains Chair of the Membership Committee. She has been a Screener on the NAELB applicant screening program since 2008 and a CLP Special Projects committee member.

Rosanne has been a Certified Lease Professional for 15 years, serving the last two years as President of the CLP Foundation. She is also a “Best Practices Broker”, a Master Member of the NAELB, and an accredited member of the Better Business Bureau for 20 years. She currently serves as the Chair of the NAELB Membership Committee, as well as serving on the Screening Committee and the Funder Task Force. In addition, she is a 23 year member of the Beaverton Chamber of Commerce and is listed in the Who’s Who of Business Leaders. Rosanne enjoys mentoring brokers who are new to the industry as she believes in helping others become successful in this business and instill in them a strong sense of ethics.

Rosanne has been active in the equipment leasing industry since 1985. Rosanne founded 1st Independent leasing, Inc. in 1990 and is currently celebrating her 23nd year in business. Previously, she spent 12 years with Transamerica Financial Services and was the Branch Manager of the Portland, Oregon office.

She is married and has 2 children and 4 grandchildren. Her hobbies include travel with her husband, spending time with her family and 3 cats, and gardening.

Rosanne Wilson, CLP
1st Independent Leasing, Inc.
3800 SW Cedar Hills Blvd., Suite 165
Beaverton, OR 97005
(800) 926-0851 or Fax: (503) 626-1631 
"It's the Lease We Can Do"


2014 Leasing Association Conferences


March 20
Equipment Leasing and Finance Association
3th Annual IMN/ELFA Investor Conference
New York, NY
More Information is available at:

2013 Conference Report by Bruce Kropschot

Bruce Kropschot will be covering this
event again this year for Leasing News.


March 31-April 2
National Vehicle Leasing Association
Annual Conference
Westin La Paloma Resort
Tucson, Arizona

Event Schedule


"This year's program has a day and a half packed with sessions for Consumer and Fleet Lessors to grow their business and includes a full day of sessions for Lease Here Pay Here (LHPH). The LHPH track presents the critical information a dealer needs to evaluate and enter the LHPH business. 

"I have found events such as these to be invaluable. My company has reaped the benefits of the networking and relationships made at the 2013 NVLA conference. The McMahon Automotive Group, smartly re-branded, committed to social media as an active, integral part of our marketing efforts, and re-vamped how we qualify personnel for our frontline positions. The results of the conversations and relationships developed from the 2013 conference resulted in adding to our business in many ways as well as the bottom line. 

"I strongly urge those in the vehicle leasing industry to attend
the 2014 NVLA Conference."
P.J. McMahon, CVLE
National Vehicle Leasing Association, President

April 2-4
National Equipment Finance Association
2014 National Equipment Finance Summit
Scottsdale Resort & Conference Center
Scottsdale, Arizona

Full Information:

Women in Leasing Luncheon, Wednesday April 2, 2014.
To be included in more details or to RSVP please contact Marci Slagle @ OR Katie Rorick @


April 14, 2014 I 7:00 AM – 5:00 PM I
Grand Hyatt New York, NYC

- April 13, 2014: Networking Reception from 5:00 – 6:00 PM
- April 14, 2014: Sessions from 7:00 AM – 5:00 PM


Robert Hollenshead, Founder and President, R. Hollenshead Auto Sales, 
BuyBook Technologies, and Universal Condition Report

REGISTRATION [40 Seats Remaining]

Register by March 21 and receive $50 OFF.
To receive this offer, please contact ARN at 800.803.0274.

- 45% dealerships managers and principals
- 15% auto finance professionals
- 15% auto leasing professionals
- 25% vehicle remarketers

Automotive Resource Network (ARN)
P: 800.803.0274

April 14: ARN Automotive Annual Conference
April 15: Auto Forum
April 16: New York Auto Show Preview Day
April 17: New York Auto Show Preview Day

April 23 - 25
2014 National Funding Conference
Chicago, IL




May 1 - 3
National Association of Equipment
Leasing Brokers 
2014 Annual Meeting
Caribe Royale Hotel
Orlando, FL

NAELB has negotiated a special group rate of $139/night for single/double or $159/night for king deluxe, from Wednesday, April 30 - Saturday, May 3.


May 7 - 9
Association of Government Leasing and Finance 
AGL&F/ELFA Public Sector Finance Forum
Washington, DC


Hotel Reservation:


September 4-6
2014 Eastern Regional Meeting
Lord Baltimore Hotel
Baltimore, MD

September 10-12
Canadian Finance and Leasing Association
The Fairmont Chateau Whistler
Whistler, British Columbia

September 18-20
San Antonio Texas
To Be Announced

October 19-21
2014 53rd Annual Convention
Manchester Grand Hyatt
San Diego, CA

November 5-7
34th Annual AGLF Fall Conference
Loews Ventana Canyon
Tucson, Arizona

November 6 - 8
2014 Western Regional Meeting
Hyatt Regency Irvine
Irvine, CA

November 12 - 14
Commercial Finance Association
70th Annual Convention
Washington Marriott Wardman Park
Washington, D.C.


November 16 -17
NJ Expo Regional
Teaneck, New Jersey
(Sunday evening- All Day Monday)

CFA Related Conferences

CFA Network Calendar

ELFA ---2014 Schedule of Conferences, Workshops
and e-Learning Opportunities


Top 50 credit unions grow in the face of new regulations

By Hina Nawaz and J. Daniel Young

A SNL Financial Feature Article

After several years of growth, the nation's credit unions saw the first drop in aggregate net income since 2008. Despite the heightened regulatory burdens facing the industry, credit unions continued to grow assets, loans and leases, and shares and deposits in 2013.

Aggregate net income at the nation's credit unions dropped to $8.22 billion in 2013 from $8.60 billion in 2012, according to SNL data. The credit union industry as a whole grew assets an aggregate 3.91% and grew loans and leases an aggregate 7.90% in 2013. At the same time, the 50 largest U.S. credit unions grew assets a median 3.29% and grew loans and leases a median 7.65%. Shares and deposits increased a median 3.53% at the top 50 and an aggregate 3.65% across all credit unions.

As credit unions look for growth, they must also contend with new regulations related to stress testing and capital, and continued fallout from the Dodd-Frank Act. State Employees' Credit Union CFO Mike Lord said there has been a "torrent" of regulations over the last few years that will impact the entire credit union industry. SECU is the nation's second-largest credit union, with $27.11 billion in assets in 2013.

proposal that the NCUA released in 2013 would require credit unions with assets exceeding $10 billion to perform annual stress testing, similar to that of large banks. NCUA Board Chairman Debbie Matz said stress testing would be part of NCUA's "coordinated approach" to supervision of a changing industry with asset growth concentrated in large credit unions.

Even though credit unions are not subject to stress testing yet, SECU is taking a proactive approach to the proposed regulation. "We've done the stress testing over the years," Lord said. He said that SECU worked with the assumptions that the Federal Reserve laid out for banks.

Lord said SECU is also stress testing its data protection system. "We've spent a tremendous amount of time, effort and money to put people, processes and software into place to protect our member data," he said.

Only four credit unions had more than $10 billion in assets at year-end 2013. Navy Federal Credit Union is the largest, with $55.50 billion in assets in 2013. A Navy Federal representative told SNL via email that the credit union is monitoring the progress of the NCUA's stress testing proposal.

John Fairbanks, public affairs specialist at NCUA, told SNL that the NCUA board has yet to vote on the proposal. The proposal is not on the board's agenda but could be voted on as early as the March 20 meeting.

Boeing Employees Credit Union is the nation's fourth-largest credit union, with $11.90 billion in assets in 2013. BECU passed the $10 billion mark in June 2013, but the credit union's senior vice president of member strategies, Tom Berquist, told SNL that it started preparing to cross that threshold after the Dodd-Frank Act passed. BECU wanted to mitigate the financial impact of the Durbin Amendment by focusing on areas that would allow it to recoup that loss and replace the income without directly charging members. The credit union looked to other avenues, such as building an infrastructure that would allow it to support opportunities in small business banking.

"We realize that, yes, this income is going away," Berquist told SNL, "but we also think there is an opportunity to grow our business in a way that we can recoup that."

New regulations are also impacting credit unions below the $10 billion threshold. In January, the NCUA proposed a rule that would require riskier credit unions with more than $50 million in assets to hold more capital. The proposal would revise the risk weights for many of the NCUA's current asset classifications, with several items featuring weightings in excess of 100%.

"Under the proposed formula, 94 percent of credit unions would still be considered well-capitalized," Matz said in a statement. "The proposed rule is designed to ensure that credit unions taking excessively high risks will either reduce their risks or hold more capital to offset those risks."

In a Feb. 11 release, the National Association of Federal Credit Unions estimated that credit unions with assets between $50 million and $100 million will need to hold a total of $192 million more in additional reserves, while institutions with assets between $500 million and $1 billion will need to hold a total of $1.28 billion more in additional reserves. Credit unions with more than $1 billion in assets would need to hold an additional $3.47 billion. For all affected credit unions, it adds up to an estimated $6.3 billion in additional reserves, according to NAFCU.

"This rule as proposed will have unpredictable consequences for loan and share growth, as individual credit unions will need to adjust their balance sheets to meet the new requirements," David Carrier, chief economist and research director at NAFCU, said in the release. "Because credit unions cannot just raise capital from the open market, this cost will undoubtedly be passed on to credit union members."

Lord made a similar point, warning that if credit unions are required to raise more capital, it will come out of members' pockets. "That impacts our bottom line and credit unions don't go to the capital markets and sell stock to raise capital the way a bank does," he said.

A representative for Navy Federal said the credit union remains "well-capitalized, safe and sound" under the proposed risk-based capital rule. "Given our strong capital position, the changes do not affect our current business operations, nor do we anticipate them constraining our ability to serve our members in the foreseeable future. We will monitor the progress of this proposal while staying focused on serving our members," the representative said.

John Kenny
Receivables Management

• End of Lease Negotiations & Enforcement 
• Fraud Investigations
• Credit Investigations • Asset Searches 
• Skip-tracing • Third-party Commercial Collections | ph 315-866-1167|

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



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

Pacific Electric Solar Offers 100% Financing
for Solar Projects through First US Finance LLC

VENTURA, Calif.--Pacific Electric Solar announced today a partnership with First US Finance LLC that will allow individuals and companies to finance 100% of their residential and commercial solar systems throughout Southern California with a variety of finance programs. The Ventura County based solar company specializes in roof top, ground mount and custom designed systems. They provide unique and custom applications for every roof type and design and install both on and off grid systems.

Pacific Electric Solar employs a highly skilled design team, enabling the company to maintain quality control from conception to completion. Their in-house experts determine the best system by performing a cost-free on-site evaluation, including a 12-month utility bill and shading analysis. Their engineers then determine the right equation for optimum efficiency to produce the perfect custom system for the customer’s energy usage while controlling job costs which further increases the customer’s overall savings. Utility bill savings from a well-designed solar installation will normally allow customers to break-even in as short as 7-10 years.

The number one emerging trend in residential rooftop solar is the shift from energy purchase agreements to solar loans that allow direct ownership of the system. According to Lester Salvatierra of First US Finance LLC, this sharply reduces the cost of capital because there is no buyout payment at the end of the finance term, at which point the owner has complete control of the system and enjoys 100% of the energy savings. For more information, please visit, or contact Marlene Cohen at (805) 669-6445 for consultation.

First U.S. Finance LLC (FUSF) is an equipment financing company dedicated to providing customized equipment leasing and financing programs throughout the U.S.A. to meet clients’ growth objectives. FUSF can finance any commercial capital asset or expansion from $20,000 to $20,000,000 with terms from 3 to 7 years. They work with a variety of credit profiles and base approval decisions on both the credit and the collateral structure of the applicant. Contact Lester Salvatierra at (805) 217-9896 for more information or visit

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





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

Cannabis Market Continues Rapid Growth
Adds Both Real Estate and Equipment Leasing

CORAL SPRINGS, Florida, The Medical Marijuana and Cannabis Industries forge ahead with indications of reaching a point of public acceptance as TV & radio ads are getting more air time.  The bustling industry shows no signs of slowing down as the following companies continue to forge on with lessening restrictions:  The CannaBusiness Group, Inc. (OTC: CBGI), Cannabis Science, Inc. (OTC: CBIS), GW Pharmaceuticals plc (NASDAQ: GWPH), MediSwipe, Inc. (OTC: MWIP) and Easton Pharmaceuticals Inc. (OTC: EAPH)

The CannaBusiness Group, Inc. CEO Michael Cummings commented, "One of our goals is to move up to a fully reporting SEC company, this will take some time with the auditor and legal counsel however, we are moving diligently towards that goal and hope to be fully reporting within 6 months on the OTCQB."    The Company recently acquired commercial property or land, they lease out the facilities for Agricultural, Industrial, Commercial and Retail, while managing the properties that it has acquired and leased out. The facility has a tenant that is a state licensed California medical marijuana cultivator. The land is 17.3 Acres located in Northern California with its own water source which has never been without water. The property is being purchased for $275,000 with restricted common stock and cash.

Cannabis Science, Inc. (OTC: CBIS) a U.S. Company specializing in cannabis formulation-based drug development and related consulting, applauds CNN's Dr. Sanjay Gupta for continuing to bring to public attention the medical value of cannabis to patients and the challenges that patients face in seeking cannabis-based life-savings treatments. Leading up to the airing of his new documentary, 'Weed 2', to be aired this evening on CNN at 10 p.m. EDT, Dr. Gupta published an article in which he states, among other things, that "I am more convinced than ever that it is irresponsible to not provide the best [medical] care we can, care that often may involve marijuana.  I am not backing down on medical marijuana; I am doubling down."  

GW Pharmaceuticals plc (NASDAQ: GWPH) announced recently that the U.S. Food and Drug Administration (FDA) has granted orphan drug designation for Epidiolex(R), GW's product candidate that contains plant-derived Cannabidiol (CBD) as its active ingredient, for use in treating children with Lennox-Gastaut syndrome (LGS), a rare and severe form of childhood-onset epilepsy. Epidiolex is an oral liquid formulation of a highly purified extract of CBD, a non-psychoactive molecule from the cannabis plant. In November 2013, GW announced that the FDA had granted orphan drug designation for Epidiolex in the treatment of Dravet syndrome. Following the successful follow-on offering completed in January 2014, GW intends to advance a full clinical development program for Epidiolex for the treatment of both LGS and Dravet syndromes. Working with leading pediatric epilepsy specialists in the United States, GW expects to commence an initial Phase 2 clinical trial for Epidiolex in the second half of 2014. This trial, if successful, is expected to lead to Phase 3 pivotal trial programs in both Dravet syndrome and LGS intended to support New Drug Applications with the FDA.

MediSwipe, Inc. (OTC: MWIP), the leader in Compassionate Care Technology Solutions and products for the medicinal marijuana industry, has announced the initiation of up to a $500,000 credit facility to fund a broad range of cost-effective and flexible equipment leasing, real estate lease purchase agreements and financing programs for licensed retail, recreational and grow operations within the state of Colorado. The innovative financing concept will quickly allow qualified licensed individuals and existing operations to participate in a revolving credit line to purchase heavy agricultural equipment including lighting, CO2 and hydrocarbon extractors, real estate property and acreage zoned for the regulated cannabis industry. The flexible and easy access business loans will eliminate much of the red tape of traditional bank financing. The Company is presently in negotiation with its' first two properties within the state of Colorado.

Easton Pharmaceuticals Inc. (OTC: EAPH), a specialty pharmaceutical company that owns, designs, develops, and markets an array of topically-delivered drugs and therapeutic / cosmetic healthcare products, recently announced it nearing its limit on financing under regulation offerings. The company is now moving towards a Reg A filing to raise an amount up to $5,000,000per year from an accredited investor on a best efforts basis. In other events, Easton has closed on an agreement for Medical Marijuana. Under the current financing the company has been receiving, it is only allowed to raise up to $1,000,000 per year which was achieved sooner than expected. The company, in order to fulfill its financing needs is now moving forward with a Reg A filing with the securities and exchange commission to raise an amount up to $5,000,000 per year with an accredited investor on a best efforts basis. These funds are required for its various initiatives, which includes its medical marijuana program and its other line of therapeutic and healthcare products. Easton Pharmaceuticals announces it has come to terms on its negotiations with one of its proposed medical marijuana partners. The companies are now in the process of drafting a final agreement. Complete details to be disclosed on a subsequent press release to be announced when fully completed and executed.

The CannaBusiness Group, Inc. (OTCPink: CBGI) files 2013 Annual Disclosure Statement and prepares financials to be audited by PCAOB accountant and have attorney file form 10.   From the 1st quarter of 2014 and beyond, The CannaBusiness Group, Inc and its subsidiaries will file financials together on the OTC Markets and as soon as we have completed our audits and approved through the SEC, 10Q and 10K's will start to be filed with the SEC and CBGI will become a fully reporting public company.

To read the full press release, please click here:

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


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Fernando's View
By Fernando F. Croc

A historical comedy-drama ("The Monuments Men") and a dizzying animated feature ("The Lego Movie") come to theaters, while DVD releases offer dramas both acclaimed ("All Is Lost," "Blue Is the Warmest Color") and overlooked ("The Counselor").

In Theaters:

The Monuments Men (Columbia Pictures): George Clooney returns to the director's chair with this enjoyably seriocomic tale of art in wartime. Based on a true story, the film takes place during World War II, when the devastation of Nazi rule threatens to claim the artworks that are the cultural heritage of Europe. With the President's approval, Frank Stokes (Clooney) recruits a group of men to head behind enemy lines in Germany and return these masterpieces to their rightful owners. Unfortunately for him, this treasure hunt is complicated by the fact that these men aren't soldiers, but instead meek historians and curators who are much more comfortable in museum halls than out in the battlefield. With a remarkable supporting cast that includes Matt Damon, John Goodman, Bill Murray and Cate Blanchett, Clooney crafts a sturdy yarn that combines intriguing history with humor.

The Lego Movie (Warner Bros. Pictures): Taking a cue from the Pixar mavens behind the "Toy Story" franchise, inspired directors Phil Lord and Christopher Miller ("Clone High," "21 Jump Street") serve up a dizzying animated tale set in an universe run by the titular playthings. The story gets rolling when Emmett (voiced by Chris Pratt), a lonely worker barely noticed by those around him, finds himself involved in a malevolent plan hatched by Lord Business (Will Ferrell). Suddenly going from routine constructions to dealing with wizard prophecies, Emmett journeys between worlds with the help of Wyldstyle (Elizabeth Banks) and a group of Master Builders bent on overthrowing the villain. Using CGI to retain the feel of children's toys while pushing them to new realms of wit and imagination, this enormously funny and clever movie is a surprise treat for audiences of all ages.

Netflix Tip: Variously involved in just about every major comedy in the 1980s, Harold Ramis (1944-2014) left behind a legacy of laughter. So check out Netflix for a tribute of his funniest pictures, ranging from "Caddyshack" (1980) and "Ghostbusters" (1984) to "Groundhog Day" (1993) and "Analyze This" (1999).


The Counselor (Fox): When released in theaters, this stylish, often brutal thriller played mostly to empty theaters and negative reviews. Being now released in a special cut that restores important, previously cut footage, director Ridley Scott's ("Blade Runner," "Gladiator") pitch-black drama more than deserves a second look. Michael Fassbender stars as the titular counselor, a lawyer whose successful life takes a drastic turn after he gets involved with drug dealers south of the border. Through a middleman known as Westray (Brad Pitt), he falls in with Reiner (Javier Bardem), a powerful underworld figure with a ruthless girlfriend (Cameron Diaz) and connections to deadly Mexican cartels. When a deal goes awry, all involved must deal with deadly consequences. Written by Cormac McCarthy ("No Country for Old Men"), this is a stellar, disturbing, grimly juicy ride from beginning to finish.

All Is Lost (Lionsgate): After successfully crafting an ensemble drama with his debut film "Margin Call," director J.C. Chandor switches gears and serves up a one-man show in this expert, minimalist thriller. Robert Redford, in a twilight tour de force, plays the protagonist, an unnamed man who, while sailing alone in the Indian Ocean, wakes up to find his boat heading toward a brutal storm. Barely making it through alive, he now has to deal with a virtual catalogue of high seas dangers, ranging from marauding sharks to dwindling food. Moving out of "Margin Call’s" corporate offices and into wide open spaces, Chandor proves himself a skillful suspense engineer, pumping a potentially dry promise full of tension. Coupled with Redford’s nearly wordless, robustly soulful turn, this is an involving, haunting story.

Blue Is the Warmest Color (Criterion): The Palme d'Or winner at this year's Cannes Film Festival, this affecting, textured tale of young romance was one of last year's most hotly debated releases. Basically a duet between two characters, the plot chronicles the passionate, tumultuous relationship between teenage Adele (Adele Exarchopoulos) and bohemian artist Emma (Léa Seydoux) in France. Following a chance meeting, the reserved Adele tracks down the eccentric, blue-haired Emma, and an infatuation grows into an electric courtship that shakes her ideals down to their very foundations. Featuring a wealth of subtle, candid details as well as wondrously fresh performances from the two young actresses, director Abdellatif Kechiche's intimate drama is a simple yet bold portrayal of dizzying love. With subtitles.


Great Dane
Austin, Texas Adopt-a-Dog

Three Years Old
Black - With White

Fiona's Info...

I am already spayed, housetrained, purebred, up to date with shots, good with kids, and good with dogs.”

Fiona's Story...

Fiona is a 3 year old Great Dane. She is a "small" Dane. She is an inside pet. Gets along with other dogs. Great around kids. Spayed and current on vaccinations. Will make a great family pet.”

If interested in giving Fiona a new loving home, please fill out the adoption application on our wbsite.

Rescue Group: PAWS of Austin

Adoption Application:

PAWS of Austin is not a business and we do not have operating hours. We are not a shelter. We operate from private foster homes. We do not have a location where you can go to see the dogs we have. We do have a mailing address.

PAWS Mailing Address: 7202 S. Brook Dr. Austin TX 78736

Adopt a Pet



News Briefs----

Bank of America’s Revolutionary New Type of Account
--- Costs $5 a Month

303 Deaths Seen in G.M. Cars With Failed Air Bags

Mark Zuckerberg tells Barack Obama he is 'frustrated' over US government surveillance

Job creation bumps mortgage rates higher

Coinbase: Bitcoin's Future Bright Despite Mt. Gox Bankruptcy

Airlines hurt as Ukraine crisis lifts oil price




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Adopted Puppy Saves New Owners From Gas Leak


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You Asked: How Many Calories Does Strength Training Burn?



Winter Poem

Beware the ides of March.

Men at some time are masters of their fates: 
The fault, dear Brutus, is not in our stars, 
But in ourselves, that we are underlings. 
But, for my own part, it was Greek to me. 
Think you I am no stronger than my sex, 
Being so father'd and so husbanded? 
These things are beyond all use, 
And I do fear them. 
Cowards die many times before their deaths; 
The valiant never taste of death but once. 
Of all the wonders that I yet have heard, 
It seems to me most strange that men should fear; 
Seeing that death, a necessary end, 
Will come when it will come. 

— Cæs. The ides of March are come. 
Sooth. Ay, Cæsar; but not gone. Act iii. Sc. 1. 

The Ides of March: In the Roman calendar the days of the month were not numbered sequentially. Instead, each month had three division days: kalends, nones and ides. Days were numbered from these divisions: e.g., IV Nones or III Ides. The ides occurred on the 15th of the month (or on the 13th in months that had less than 31 days). Julius Caesar was assassinated on this day in 44 BC. This system was used in Europe well into the Renaissance. When Shakespeare wrote "Beware the ides of March" in Julius Caesar his audience knew what he meant. Beware of what was to happen on March 15th.




Sports Briefs----

Receiver Eric Decker agrees to five-year, $36.25 million deal with the New York Jets, leaving the Denver Broncos and Peyton...

New Orleans Saints trade running back Darren Sproles to Philadelphia Eagles

Kawakami: Reggie McKenzie is bombing as Raiders GM

Raiders add Tuck, Woodley to defense

Best frienemies? 49ers to host one-time rival Walter Thurmond

How much did the 49ers make in 2013?

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California Nuts Briefs---

Phone books arrive in Sacramento, but without the white pages


“Gimme that Wine”

California grape crush, wine exports set records

Over 1,500 Attend 3rd Annual EWE

Peter Mondavi Sr. to Celebrate Centennial Birthday

San Diego Wine Wants Recognition

Free Mobile Wine Program

Wine Prices by vintage

US/International Wine Events

Winery Atlas\

Leasing News Wine & Spirits Page


This Day in History

    1629 - A Royal charter was granted to the Massachusetts Bay Colony. 
    1644 - England granted a patent for Providence Plantations (Rhode Island). 
    1729-The first Catholic nun who professed her vows in the United States as Sister St. Stanislas Hachard of the Ursuline Convent, New Orleans, LA, took her vows this day.
    1743 - The City of Boston conducted the first town meeting in Faneuil Hall. It became an idea that caught on quickly throughout New England.
    1780 - The Spanish governor of Louisiana, Galvez, captures the port of Mobile.
    1794 - Eli Whitney received a patent for his cotton gin, an invention that revolutionized America's cotton industry. He paid substantial royalties to Catherine T. Greene and this makes his claim to the invention suspect.
    1796----African Methodist Episcopal Zion Church founded New York 
    1851-San Francisco Foreign Miners Tax, designed to discourage Chinese gold mining, was repealed.
1862-Union General Ambrose Burnside captures North Carolina's second largest city and closes another port through which the Confederates could slip supplies.
On March 13, he landed 12,000 troops along the Neuse River, 15 miles south of New Bern. Accompanied by 13 gunboats, Burnside's army marched up river to face 4,000 Confederate troops commanded by General Lawrence O. Branch.
The city was protected by extensive defenses, but Branch did not have enough soldiers to properly staff them. He concentrated his men along the inner works a few miles downriver from New Bern. Early on the morning of March 14, Burnside's men attacked in a heavy fog and two of the three Yankee brigades crashed into the fortifications. General Jesse Reno's brigade struck the weakest part of the line, where an inexperienced Rebel militia unit tried to hold off the Federals. Burnside's third brigade joined Reno and the Confederate line collapsed. That afternoon, Union gunboats steamed into New Bern. Union casualties for the battle were 90 killed and 380 wounded, while the Confederates suffered 64 killed, 101 wounded, and 413 captured. The conflict produced a Confederate hero, Colonel Zebulon Vance, who rescued his regiment by using small boats to bypass a bridge set afire by his comrades. Vance was elected governor of the state later that year.
March 14
    1864- Red River campaign Louisiana
    1864-Casey Jones birthday; railroad engineer and hero of ballad, whose real name was John Luther Jones. Born near Cacye, KY. He died in a railroad wreck near Vaughn, MS, April 30, 1900.
    1867- First Woman dentist birthday: Lucy Beaman Hobbs, Franklin County, NY, first woman in America to receive a degree in dentistry (Ohio College of Dental Surgery, 1866) and to be admitted to membership in a state dental association. In 1867 she married James M. Taylor, who also became a dentist (after she instructed him in the essentials). Active women’s rights advocate. Died at Lawrence, Kansas, Oct 3, 1910
    1867-Michigan was the first state to enact a law to support state universities via property tax: “assessed all taxable property one twentieth of a mill on each dollar of value, to be used for the use and maintenance of the university”. The funds paid to the university in 1867 totaled $15,398.
    1870 - A severe snow/wind storm struck Iowa and Minnesota. During this storm, the term "blizzard" was first used to describe a severe snowstorm. The "new" word appeared in the "Easterville (Iowa) Vindicator".
    1879- Theoretical physicist Albert Einstein birthday, best known for his theory of relativity. He won the Nobel in 1921. Einstein's revolutionary theories introduced entirely new ways of thinking about time, space, and gravity, and he profoundly affected the way scientific inquiry occurred. A citizen of the world, Einstein was born in Germany, grew up for a time in Milan, studied and taught in Switzerland, returned to Germany, and fled to the United States before World War II. In Einstein's theory, the speed of light, which is the limiting speed of any body having mass, is constant in all frames of reference. In his fifth paper that year, an exploration of the mathematics of special relativity, Einstein announced that mass and energy were equivalent and could be calculated with an equation, E=mc2. In 1950, he published his unified field theory, which was quietly criticized as a failure. A unified explanation of gravitation, subatomic phenomena, and electromagnetism remains elusive today. An avid pacifist, he nevertheless put into motion the invention of the hydrogen and atomic bombs with a letter to President Roosevelt, urging him to beware of the possibility of Germany's building an atom bomb. Decades later, the specter of a nuclear attack capable of knocking out communications across the country was one of the factors leading to the development of the Internet. Died 1955, Princeton, New Jersey.
    1887-Sylvia Beach, owner of the Paris-based bookstore Shakespeare and Co., is born in Baltimore. Beach moved to Paris at the age of 14, when her father, a Presbyterian minister, was sent to France. She fell in love with the city. In 1919, she opened her bookstore, Shakespeare and Co., which became a gathering place for American writers in Paris in the 1920s, including F. Scott Fitzgerald and Ernest Hemingway. Beach was a strong supporter of writer James Joyce, who lived in Paris from 1920 to 1940. The Irish writer had achieved fame with his 1915 novel, “A Portrait of the Artist as a Young Man”, and had started publishing his masterwork “Ulysses” in serial form in an American magazine called the Little Review. However, the serialization was halted in December 1920, after the U.S. Post Office brought a charge of obscenity against Joyce's work. Beach published the book herself in July 1922. It wasn't until 1933 that a U.S. judge permitted Ulysses to be distributed in the U.S.
    1896- Sutro Bath opens in San Francisco .

1900—US Adopts the Gold Standard.
    1908- Southwestern Baptist Theological Seminary was chartered in Waco, Texas. Originally named Baylor Theological Seminary, the school campus relocated in 1910 to Fort Worth.
    1912- Bandleader Les Brown was born in Reinerton, PA. He led a top dance band for 40 years, beginning in 1938. Les Brown and his Band of Renown had hit records in 1941 with "Joltin' Joe DiMaggio," in 1944 with "Sentimental Journey," featuring a vocal by Doris Day, and in 1948 with "I've Got My Love to Keep Me Warm." In 1947, Brown began his long association with Bob Hope, working with him on radio and TV and on overseas tours. Brown and his orchestra reappeared on the jazz charts in 1987 with the album "Digital Swing."
    1913-Kansas was the first state to set up a “small claims court” to deal with cases involving not more than $20. The first court was at Topeka, KS, with W.H. Kemper as judge. The complainant could not be represented by counsel, but had to present his own case. Strict rules of evidence and procedure were waived. The judgment rendered had the same force and effect, and was as binding as a judgment rendered in any court of record.
    1919- Max Brand publishes his first novel, “The Untamed”. He is perhaps the most prolific writer of western stories, using over 21 pen names. His actual name was Frederick Faust. Unlike many western authors, Faust made no pretense to historical accuracy in his works. His novels concerned a mythic West of his imagination, and he rarely provided any identifiable geographical details or demonstrated any mastery of the minutiae of western life. His strength was his ability to tell a compelling story, and he had a keen sense of style. In “The Untamed”, Faust created the hugely popular Dan Barry, a peaceable man who avoided trouble whenever possible. However, when Barry or those he cares about were attacked, he was transformed and was capable of wreaking violent vengeance on wrongdoers. Faust continued Barry's story in two best-selling sequels. Besides gaining fame and fortune as the author of Max Brand westerns, Faust also created the character of Dr. Kildare for his medical thrillers. Faust died in 1944, having written an estimated 30 million words, including more than 500 western serials or short stories.
    1918 - The first seagoing ship made of concrete was launched at Redwood City, CA, near San Francisco. The ship was named "Faith" and those who launched her had plenty of that. They had faith that the vessel wouldn’t sink. It didn’t. "Faith" cost $750,000 to build. 
    1922- Orchestra leader Les Baxter was born in Mexia, Texas. In the 1950's, he was signed by Capitol Records as an arranger and recording artist. Baxter featured Latin American and jungle drum themes, as well as standard popular tunes. He had hits with "The High and the Mighty," "Unchained Melody" and "The Poor People of Paris," which went to number one in 1956. Baxter died in Newport Beach, California, on January 15th, 1996.
    1923 - U.S. President Warren G. Harding became the first Chief Executive to pay taxes and account for his income. Harding’s tax bill amounted to nearly $18,000.
    1925-trumpet player Sonny Cohn born Chicago, IL
    1928- Jack Teagarden cuts first solo “She’s a Great, Great Girl! ( Vi 21326)
    1931-The first movie theater specifically designed and built to show movies that were rear-project was the Trans-Lux Theater in Manhattan.
    1932-singer Mark Murphy born Syracuse NY
    1933 - Birthday of Quincy Jones, Jr., American jazz composer, trumpeter, band leader and pianist. He composed film scores, TV show themes; record producer; arranger; 25 Grammys, Grammy´s Trustees Award in 1989, Grammy´s Legends Award in 1990; Musical Director for Mercury Records, then VP; established Qwest Records.
        1934-jazz organist Shirley Scott born Philadelphia, PA. Recorded many
records with husband tenor sax player Stanley Turentine
    1935- 6-year-old actress Shirley Temple presses her hands in cement outside Grauman's Chinese Theater in Los Angeles. Since first winning attention with a song and dance in the 1934 movie “Get Up and Cheer”, Temple beat out Clark Gable, Fred Astaire, and Ginger Rogers to become America's biggest box office draw. Temple just passed in Feb., 2014.
    1937 - Fred Allen and Jack Benny met on radio in one of the biggest publicity gags ever. It was called, “The Battle of the Century.” The two comedians locked horns in the ballroom of the Hotel Pierre, exchanging torrid insults that were heard by the second largest audience in the history of radio. The ‘feud’, incidentally, lasted for the next 12 years! This was probably the longest-running publicity stunt in history, too!
    1937-The first birth control clinic run by a state government was opened in Raleigh, NC, when the North Carolina State Board of Health officially introduced a program setting up contraceptive clinics for poor married women in local maternity and child health services. 
    1937-The first blood bank to preserve blood by refrigeration for future use in transfusions was established by the Cook County Hospital, Chicago, Il.
    1937 --Lou Gehrig signs with the Yankees for $38,000 and $750 signing bonus.
    1941 - Before Desi Arnaz sang "Babalu" on the "I Love Lucy" show, Xavier Cugat and his orchestra recorded the song with vocals by Miguelito Valdes, on Columbia Records.
    1945—Top Hits
Accentuate the Positive - Johnny Mercer
Saturday Night - Frank Sinatra
A Little on the Lonely Side - The Guy Lombardo Orchestra
(vocal: Jimmy Brown)
I’m Losing My Mind Over You - Al Dexter
    1945---MICHAEL, HARRY J. Medal of Honor
Rank and organization: Second Lieutenant, U.S. Army, Company L, 318th Infantry, 80th Infantry Division. Place and date: Near Neiderzerf, Germany, 14 March 1945. Entered service at: Milford, Ind. Birth: Milford, Ind. G.O. No.: 18, 13 February 1946. Citation: He was serving as a rifle platoon leader when his company began an assault on a wooded ridge northeast of the village of Neiderzerf, Germany, early on 13 March 1945. A short distance up the side of the hill, 2d Lt. Michael, at the head of his platoon, heard the click of an enemy machinegun bolt. Quietly halting the company, he silently moved off into the woods and discovered 2 enemy machineguns and crews. Executing a sudden charge, he completely surprised the enemy and captured the guns and crews. At daybreak, enemy voices were heard in the thick woods ahead. Leading his platoon in a flanking movement, they charged the enemy with hand grenades and, after a bitter fight, captured 25 members of an SS mountain division, 3 artillery pieces, and 20 horses. While his company was establishing its position, 2d Lt. Michael made 2 personal reconnaissance missions of the wood on his left flank. On his first mission he killed 2, wounded 4, and captured 6 enemy soldiers single-handedly. On the second mission he captured 7 prisoners. During the afternoon he led his platoon on a frontal assault of a line of enemy pillboxes, successfully capturing the objective, killing 10 and capturing 30 prisoners. The following morning the company was subjected to sniper fire and 2d Lt. Michael, in an attempt to find the hidden sniper, was shot and killed. The inspiring leadership and heroic aggressiveness displayed by 2d Lt. Michael upheld the highest traditions of the military service. 
    1945--PHILLIPS, GEORGE Medal of Honor
Rank and organization: Private, U.S. Marine Corps Reserve. Born 14 July 1926, Rich Hill, Mo. Entered service at: Labadie, Mo. Citation. For conspicuous gallantry and intrepidity at the risk of his life above and beyond the call of duty while serving with the 2d Battalion, 28th Marines, 5th Marine Division, in action against enemy Japanese forces during the seizure of Iwo Jima in the Volcano Islands, on 14 March 1945. Standing the foxhole watch while other members of his squad rested after a night of bitter hand grenade fighting against infiltrating Japanese troops, Pvt. Phillips was the only member of his unit alerted when an enemy hand grenade was tossed into their midst. Instantly shouting a warning, he unhesitatingly threw himself on the deadly missile, absorbing the shattering violence of the exploding charge in his own body and protecting his comrades from serious injury. Stouthearted and indomitable, Pvt. Phillips willingly yielded his own life that his fellow marines might carry on the relentless battle against a fanatic enemy. His superb valor and unfaltering spirit of self-sacrifice in the face of certain death reflect the highest credit upon himself and upon the U.S. Naval Service. He gallantly gave his life for his country. 
    1947-The first Navy commissioned officer who was African-American was Ensign John W. Lee of Indianapolis, IN, who was commissioned and assigned to the U.S.S. Kearsearge.
    1949 - No. 1 Billboard Pop Hit: "Cruising Down the River," Blue Barron Orchestra.
    1950-“10 Most Wanted” List debuts: The Federal Bureau of Investigation instituted the “10 Most Wanted Fugitives” list in an effort to publicize particularly dangerous criminals who were at large. From 1950 to 1998, 454 fugitives appeared on the list; 130 were captured. Generally, the only way to get off the list is to die or be captured. The FBI cooperates with the producers of TV’s “America’s Most Wanted” to further publicize these fugitives.
    1951-Seoul, Korea, which had fallen to Chinese forces in January 1951, was retaken by United Nations troops during the Korean War.
    1953—Top Hits
Till I Waltz Again with You - Teresa Brewer
Don’t Let the Stars Get in Your Eyes - Perry Como
Doggie in the Window - Patti Page
Kaw-Liga - Hank Williams
    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- The first Four Freshman album “Voices in Modern”: released on Capitol.
    1955 - Popular country star Jimmy Dean interviews Elvis Presley on Dean's Washington, DC television show “Town and Country Time”. A nervous Elvis answers every question with "yep" and "nope."

1956 - The Alan Freed film “Rock Around The Clock”, starring The Platters and, naturally, Bill Haley and His Comets, premieres in New York City.

    1957-The first four time National Women’s Figure Skating champion was Carol
Elizabeth Heiss of Ozone Park, Queens, New York City, who won her first title this day at Berkeley, CA. She won her second and third in 1958 and 1959, and her fourth consecutive title on January 29, 1960 at Seattle.    

 1958 - The Recording Industry Association of America (RIAA) certified the first gold record. It was Perry Como’s "Catch a Falling Star" on RCA Victor Records. The tune became the first to win million-seller certification. The next three gold records that were certified after Perry Como’s million seller were the 45 rpm recordings of "He’s Got the Whole World in His Hands" by Laurie London, "Patricia", an instrumental by the ‘Mambo King’, Perez Prado, and "Hard Headed Woman" by Elvis Presley. The first gold album certification went to the soundtrack of the motion picture, "Oklahoma!" featuring Gordon MacRae.
    1958 - No. 1 Billboard Pop Hit: "Tequila," The Champs. Glen Campbell, Jim Seals and Dash Crofts all join the group after "Tequila" hits No. 1.
    1959 - Elvis Presley made the album charts, with "For LP Fans Only", the first LP ever issued without the artist’s name anywhere on the cover. However, it has
his face over most of the front cover.
    1960-Sam Cooke kicks off his first tour of the West Indies with a concert in Montego Bay, Jamaica. In the next two weeks, Cooke will set attendance records everywhere he appears.
    1961—Top Hits
Pony Time - Chubby Checker
Surrender - Elvis Presley
Where the Boys Are - Connie Francis
Don’t Worry - Marty Robbins
    1961- Baseball Hall of Famer Kirby Puckett birthday, Chicago, IL.
    1962-Wilt Chamberlain of the Philadelphia Warriors completed a stretch of 47 consecutive games during which he played every minute. The streak, begun January 5 against the Syracuse Nationals and concluded against the Chicago Packers, stands as an NBA record.
    1962-Right wing Gordie Howe of the Detroit Red Wings became the second player in NHL history to reach the 500-goal mark when he scored in a 3-2 loss to the New York Rangers. Howe wound up with 801 goals and entered the Hockey hall of Fame in 1972.
    1964 - Jack Ruby was found guilty of the murder of Lee Harvey Oswald, alleged assassin of United States President John F. Kennedy.
    1964- Billboard reports Beatle records have claimed 60-percent of the singles market.
    1968 –Batman TV Show came to an end after two seasons on television. ABC-TV showed the last episode of "Batman", starring Adam West and Burt Ward as Robin. The first "Batman" episode was "Hi Diddle Riddle", shown on January 12, 1966. The pilot program for "Batman" cost $300,000, quite expensive by 1966 standards. Through the two seasons, the ‘Dynamic Duo’ welcomed these stars to the cast: Art Carney (The Archer), Tallulah Bankhead (Black Widow), Eartha Kitt (Catwoman), Julie Newmar (Catwoman), Lee Meriwether (Catwoman), Liberace (Chandell), Vincent Price (Egghead), Cesar Romero (The Joker), Rudy Vallee (Lord Phogg), Milton Berle (Louie the Lilac), Shelley Winters (Ma Parker), David Wayne (The Mad Hatter), Zsa Zsa Gabor (Minerva), Van Johnson (The Minstrel), Otto Preminger (Mr. Freeze), Burgess Meredith (The Penguin), John Astin (The Riddler), Frank Gorshin (The Riddler), Cliff Robertson (Shame), Joan Collins (The Siren) and Anne Baxter (Zelda the Great). Victor Buono (King Tut), Eli Wallach (Mr. Freeze II), "?" as False Face, Leslie Gore (as Cat Woman's sidekick that had a crush on Robin) and, of course, Nelson Riddle (of Frank Sinatra fame) doing the theme. Finally, a partial list of official Bat-Noises: Aargh!, Ba-Boom! Clash!, Crunch!, Klonk!, Pow!, Splat!, Clunk! Eee-Yow! Ooof!, Powie! Swoosh!, Biff!, Conck! Ouch!, Klunkk!, Ka-Boom! Thunk! Boff! Crash!, Uggh!, Zam!, Zap! and others. Wow! Readers may have seen these words in Leasing News headlines.
    1969--KERREY, JOSEPH R. Medal of Honor
Rank and organization: Lieutenant, Junior Grade, U.S. Naval Reserve, Sea, Air, and Land Team (SEAL). place and date: Near Nha Trang Bay, Republic of Vietnam, 14 March 1969. Entered service at: Omaha, Nebr. Born: 27 August 1943, Lincoln, Nebr. Citation: For conspicuous gallantry and intrepidity at the risk of his life above and beyond the call of duty while serving as a SEAL team leader during action against enemy aggressor (Viet Cong) forces. Acting in response to reliable intelligence, Lt. (J.G.) Kerrey led his SEAL team on a mission to capture important members of the enemy's area political cadre known to be located on an island in the bay of Nha Trang. In order to surprise the enemy, he and his team scaled a 350-foot sheer cliff to place themselves above the ledge on which the enemy was located. Splitting his team in 2 elements and coordinating both, Lt. (J.G.) Kerrey led his men in the treacherous downward descent to the enemy's camp. Just as they neared the end of their descent, intense enemy fire was directed at them, and Lt. (J.G.) Kerrey received massive injuries from a grenade which exploded at his feet and threw him backward onto the jagged rocks. Although bleeding profusely and suffering great pain, he displayed outstanding courage and presence of mind in immediately directing his element's fire into the heart of the enemy camp. Utilizing his radioman, Lt. (J.G.) Kerrey called in the second element's fire support which caught the confused Viet Cong in a devastating crossfire. After successfully suppressing the enemy's fire, and although immobilized by his multiple wounds, he continued to maintain calm, superlative control as he ordered his team to secure and defend an extraction site. Lt. (J.G.) Kerrey resolutely directed his men, despite his near unconscious state, until he was eventually evacuated by helicopter. The havoc brought to the enemy by this very successful mission cannot be over-estimated. The enemy soldiers who were captured provided critical intelligence to the allied effort. Lt. (J.G.) Kerrey's courageous and inspiring leadership, valiant fighting spirit, and tenacious devotion to duty in the face of almost overwhelming opposition sustain and enhance the finest traditions of the U.S. Naval Service. 
    1969—Top Hits
Everyday People - Sly & The Family Stone
Proud Mary - Creedence Clearwater Revival
Dizzy - Tommy Roe
Only the Lonely - Sonny James
    1969 - Creedence Clearwater Revival at the Fillmore West, San Francisco.    1969 - Less than one month after winning her first horse race, Barbara Jo Rubin became the first woman jockey to win at Aqueduct Race Course in New York. She rode Brave Galaxy to victory and into the winner’s circle.
    1972- California Governor Ronald Reagan pardoned country star Merle Haggard, who had served nearly three years in San Quentin on a burglary charge.
    1972-Carole King won Grammys for Album of the Year for "Tapestry" and Record Of The Year for "It's Too Late." Carly Simon won the Grammy for Best New Artist.
    1972 - The Cincinnati Royals announced their intentions to move the National Basketball Association franchise to Kansas City, Missouri. The Kansas City Royals baseball team was already there, so the basketball team became the Kings. Later, they moved to Sacramento where they remain today.
    1972 - Cosmopolitan magazine released its controversial issue of actor Burt Reynolds in a nude pose. The issue was a quick sell-out, and it rejuvenated Reynolds's lagging acting career.
    1976-Jockey Bill Shoemaker won the 7,000th race of his career aboard Royal Derby II, a horse that hadn’t won in three years. Shoemaker became the winningest jockey in history in 1970, when he surpassed Johnny Longden’s total of 6,032. The Shoe retired in 1990 after having ridden 8,833 winners.
    1977—Top Hits
Love Theme from "A Star is Born" (Evergreen) - Barbra Streisand
Fly like an Eagle - Steve Miller
I Like Dreamin’ - Kenny Nolan
She’s Just an Old Love Turned Memory - Charley Pride
    1979 - No. 1 Billboard Pop Hit: "I Will Survive," Gloria Gaynor. The song is released as the B-side to the single "Substitute."
    1985 - Bill Cosby won four People’s Choice Awards for "The Cosby Show". The awards were earned as the results of a nationwide Gallup Poll. Barbara Mandrell announced she was pregnant as she accepted her second award on the show. She mentioned “the child here tonight in my tummy.” Bob Hope won the award for All-Time Entertainer, defeating Clint Eastwood and Frank Sinatra for the honor.
    1985—Top Hits
Can’t Fight This Feeling - REO Speedwagon
The Heat is On - Glenn Frey
Material Girl - Madonna
My Only Love - The Statler Brothers
    1985-The first cabinet member indicted while in office was Raymond L. Donovan, Secretary of Labor under President Ronald Reagan from 1981 to 1985. Facing a trial for larceny and fraud in New York. Donovan resigned this day. He was acquitted of all charges on May 25, 1987, after an eight-month trial in New York City.    1986- Frank Zappa played a drug czar on a "Miami Vice" episode.
    1986- Microsoft goes public, closing the day at twenty-eight dollars a share, up seven dollars from the offering price. The offering, dubbed "the IPO of the year" by industry analysts, created a slew of instant tycoons as young Microsoft employees found their stock options suddenly worth something. 
Microsoft was founded in the mid-1970s, when high school friends and fellow computer nerds Paul Allen and Bill Gates read a Popular Electronics article about a new microcomputer called the Altair 8800. The two had been programming computers since high school, where they developed a system called Traff-o-Data for analyzing traffic data, as well as a registration system that reportedly placed the two in the classes of the most attractive girls. Allen and Gates quickly developed a version of BASIC, a computer language, and licensed it to MITS, maker of the Altair. The two formed a company called Micro-Soft (they later dropped the hyphen). For the next five years, Microsoft concentrated on developing computer languages that would run on the variety of home computers that flooded the market in the late 1970s. Microsoft's lucky break came when operating system guru Gary Kildall of Digital Research missed a meeting with IBM executives because he was out flying his plane. Instead, IBM asked Microsoft for an operating system. Gates quickly purchased the rights to Seattle Computer Products' "Quick and Dirty Operating System" (QDOS), which became MS-DOS, the operating system powering the IBM PC, introduced in 1981. Today he is the world’s richest billionaire: $50 Billion.
    1987-Huey Lewis and The News scored their third number one record in the US with a Brue Hornsby composition, "Jacob's Ladder", one of six singles released from the album "Fore". 
    1988 - Squalls in the Great Lakes Region continued to produce heavy snow in northwest Wisconsin and Upper Michigan, and produced up to 14 inches of snow in northeast Ohio. Poplar WI reported 27 inches of snow in two days.
    1989 - No. 1 Billboard Pop Hit: "Lost in Your Eyes," Debbie Gibson.
    1990 - Fifty-three cities reported record high temperatures for the date as readings warmed into the 70s and 80s from the Gulf coast to the Great Lakes Region. Charleston, WV was the hot spot in the nation with a record high of 89 degrees. It was the fourth of five consecutive days with record warm temperatures for many cities in the eastern U.S. There were 283 daily record highs reported in the central and eastern U.S. during between the 11th and the 15th of March.
    1992-About 40,000 people attend Farm Aid Five in Irving, Texas. The show is hosted by Willie Nelson and features performances by John Mellencamp, Neil Young and Paul Simon.
    1992-intense snow squalls that began back on the 12th finally came to an end over Oswego and Onondaga counties in central New York. Palermo was buried under an incredible 85 inches of snow over the 4 day period. Parish checked in with 60 inches and Fulton recorded 51 inches. Syracuse recorded 7.7 inches of "normal" snow from the big storm back on the 11-12th, but this was peanuts compared to the 24 inches the squalls deposited on the city.
    1993 - The second day of the "Great Blizzard which was clobbering the eastern US on this day and produced perhaps the largest swath of heavy snow ever recorded. Heavy snow was driven to the Gulf Coast with 3 inches falling at Mobile, Alabama and up to 5 inches reported in the Florida panhandle, the greatest single snowfall in the state's history. 13 inches blanketed Birmingham, Alabama to set not only a new 24 hour snowfall record for any month, but also set a record for maximum snow depth, maximum snow for a single storm, and maximum snow for a single month. Tremendous snowfall amounts occurred in the Appalachians. Mount Leconte in Tennessee recorded an incredible 60 inches. Mount Mitchell in North Carolina was not far behind with 50 inches. Practically every official weather station in West Virginia set a new 24 hour record snowfall. Further to the north, Pittsburgh, Pennsylvania measured 25 inches, Albany, New York checked in with 27 inches, and Syracuse, New York was buried under 43 inches. The major population corridor from Washington, DC to Boston, Massachusetts was not spared this time as all the big cities got about a foot of snow before a changeover to rain. A rather large amount of thunderstorm activity accompanied the heavy snow. Winds to hurricane force in gusts were widespread. Boston recorded a gust to 81 mph, the highest wind gust at the location since Hurricane Edna in 1954. Numerous cities in the south and Mid-Atlantic States recorded their lowest barometric pressure ever as the storm bottomed out at 960 milliners (28.35 inches) over Chesapeake Bay. 208 people were killed by the storm and total damage was estimated at $6 billion -- the costliest extra tropical storm in history. This day record cold followed in the wake of the "blizzard of '93" over the eastern US with 57 daily record low temperatures broken. Birmingham, Alabama plunged to 2 degrees, by far breaking its previous march record low of 11 degrees. Orlando, Florida recorded 33 degrees to smash its old daily record low by 9 degrees. It was also the coldest temperature ever recorded for so late in the season.
    1996 - United States President Bill Clinton committed $100 million for an anti- terrorism pact with Israel to track down and root out Islamic militants. 
    1997- Thousands of fans in Corpus Christi mobbed the Texas premiere of "Selena," the film biography of the Tejano music star shot and killed two years earlier by the president of her fan club. Stars attending included Jennifer Lopez, who played Selena, and Edward James Olmos, who portrayed the singer's father.
    1997- Joey Mullen of the Pittsburgh Penguins became the 25th player in National Hockey League history and the first American to score 500 regular-season goals. His tally came in a 6-3 loss to the Colorado Avalanche.
    1998 - Will Smith's hit single "Gettin' Jiggy Wit It” soared to Number 1, and stayed in the top position for 3 weeks.
    2003-Police arrested 80 anti-war protesters in the San Francisco financial district. They included Warren Langley, former head of the Pacific Exchange and former Lt. Col of the US Air Force for fifteen years.
    2005-The Rock and Roll Hall of Fame celebrated its twentieth anniversary with a ceremony at New York's Waldorf Astoria Hotel that saw Bruce Springsteen ushering in U2 and Rod Stewart inducting Soul singer Percy Sledge. Neil Young welcomed the Pretenders into the Hall, while Justin Timberlake introduced The O'Jays.



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- Ex-PNC Equipment Finance VP/Regional Manager Arrested
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Chesswood Moves into Canada Small Ticket Market Place
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    in North America
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   Onset Financial/Mazuma Capital
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- Check Your Internet Speed Connection---Why
- Lease Police Tips on Judging Vendors
- Netiquette: Rules of Behavior For Email and the Internet
- Confirmed: Sheldon Player Passed Away Nov. 13, 2013

- Alert: Rudy Trebels Back Soliciting Broker Business
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 Found Alive, Now Arrested
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- 2013 Leasing News Person of the Year
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    Is Insanely Ahead Of Its Rivals
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- Detroit’s BK Push for Pension Reform---
    Future is Positive for Municipal Financing
- De Lage Landen and Element Financial/Co/Active Partners
- Balboa Capital Gets Tagged
    For Alleged Dummy Docs
- DLL Leaves Lessor to Hang re: Evergreen Clause
- BBB Leasing Company Ratings
- Site Inspection Services--updated
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- The Future of Digital: 2013
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re: Evergreen Clause
- Advice for Broker or Lessor
   Dealing with a Company that Uses Evergreen Clauses
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   Re: Evergreen Clause Abuses
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- Balboa Capital Class Action Case Settled--$5 million?
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   $20,543.22 Bulletin Board Complaint
   Alleged “Bait and Switch”
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   ---Order One for Father’s Day
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    California Lender’s License
- The Day that Albert Einstein Feared May Have Finally Arrived
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- "The Memory Shock" –New Book by Barry Reitman
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Bulletin Board Complaint
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    re: Digital device/Laptop Lost or Stolen!
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- Meridian Finance Group Looking Brokers for Europe Biz
- Is Leasing Securitization Dead or Alive?
- Mazuma and Republic Bank Get Snared on PRR Provision
   by Tom McCurnin, Esq.
- Companies who utilize Evergreen Clauses for Extra Lease Payments
- Jeff Taylor's Leasing Predictions, Spring, 2006
- Radiance Capital, Tacoma, Washington
   Bulletin Board Complaint 
   Purchase Option on EFA, Won’t Return $5,000 S.D.
- New Case against Mazuma Capital and Republic Bank
  ---Automatic Evergreen Payment---PPR
- Republic Bank out of leasing?
Ladco Leasing/Elavon Fined $418,601
- Future of Mobile Devices
- Charles Schwartz and Allied Health
- Copier Wars---It's more than the lease payment
    by Christopher Menkin
- Leasing Gypsies
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- Three Class Action Suits re: Brican America
- Verifying Tax Returns
- Special Report: Part I
   Could Church Kiosks, Royal Link Carts, NorVergence results been avoided?

   The use of “Equipment Finance Agreements”
- Special Report: Part II
    Bank of the West

   Equipment Lease Agreement (EFA)
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