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Leasing News is a web site that posts information, news, and
entertainment for the commercial bank, finance and leasing industry

Wednesday, March 26, 2014

Today's Equipment Leasing Headlines

Balboa Capital Papa Murphy’s Bulletin Board Complaint
 Classified Ads---Credit
  ELFA Report: February New Business Down
   Charts Tell the Story
    Classified Ads---Help Wanted
 When Can You Keep the Advance or Deposit?
   "Commitment to Lease" Agreements
     Sign Up for ACH at NEFA Conference
   Banks with highest Texas ratios
    First Roses of Spring
     Federal Reserve Report: Mobile Financial Services
    German Shepherd Dog/Anatolian Shepherd
     Irvine, California Adopt-a-Dog
      Classified ads—Web Sites
News Briefs---
Snow on the way, but at least we don't live on Cape Cod
 Federal Reserve Corrects Dodd-Frank Stress Test
  Even Afterwards, Test Show Big Bank Strength
   One in Three of Americans Hasn’t Been to the Bank in at Least 6 Months
    For Tax Purposes, IRS rules Bitcoin is property, not currency
     Walgreens to close 76 stores
      All Madoff Victims under $925,000 to be Satisfied in Full

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

  You May have Missed---
   SparkPeople--Live Healthier and Longer
    Sports Briefs---
      California Nuts Brief---
       "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.

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Balboa Capital Papa Murphy’s Bulletin Board Complaint
By Christopher Menkin

This appears to involve an interim rent issue, as well as a residual which was to be zero, but perhaps more interesting is the complaint involved Don Hansen, when he was working at Balboa Capital, Irvine, California, now being sued by Balboa for allegedly taking customers lists and proprietary information when he left employment. In a paradox, Hansen does make a statement regarding the complaint, but Balboa Capital does not.

First, the issue of interim rent and “Evergreen Clause” is not new with Balboa Capital, particularly the interim rent on a quarterly payment lease. Depending on how the lease is discounted, in arrears or advance, the interim rent is really pure profit and not used in the discount to the actual funding source. On a quarterly payment, it makes a big difference in bidding or pricing a large lease, as well as with “Evergreen Leases.”

Leasing News was able to point out the signed lease by both parties with a “0” addendum, so to put extra payments would not be “proper” and is not part of the complaint at this time; although the residual may be in the payoff numbers originally provided.

Here is the complaint:

March 11th, 2014

Dear Mr. Menkin,
My name is Joe Rice, President of Rice Restaurants, Inc. I currently own and operate two Papa Murphy’s Pizza franchises. I’ve been experiencing ongoing difficulties with Balboa Capital Corporation over a lease/purchase agreement. The purpose of this letter is to outline my experience with Balboa Capital, and request your assistance resolving the matter.

In early 2013, I received notification from my corporate PaPa Murphy’s franchise office that I needed to obtained financing for a mandated “point of sale system” to be installed in my Papa Murphy’s stores located in Cape Girardeau, Missouri, and Sikeston, Missouri. Papa Murphy’s corporate office sent me a list of recommended lenders. I choose Balboa Capital off that list. When I contacted them, I worked with a salesperson by the name of Kirsten Merza, who assured me that the contract was straightforward and that I was to pay 8 quarterly installments of $3,239.64. Ms. Merza also assured me that upon making my final payment, Balboa would immediately release their security interest in the equipment and I would own the equipment outright.

On April 30th, 2013 I signed, and returned my contract to Balboa Capital along with my first quarterly payment of $3,239.64. Shortly after this, I was contacted by Ms. Merza stating her copy of the contract didn’t arrive legible. She was re-faxing me the contract and asked I sign and send it again. Without thinking about it, I did. Later as my story unfolds I re-looked at my contract and noticed the dates had been changed from the first version of the contract to the second.

On July 8th, 2013 I received an amendment from Balboa altering my payments to be paid in eight (8) quarterly payments of $3,363.10. When I inquired, Balboa’s representatives informed me that this change to the contract price was to account for the associated taxes. Believing that I was working with an honest financial group, I agreed to the increased payment amount. I went about running my business as I normally would. In early September I was preparing my payroll and noticed my funds were excessively low. I went to my bank to investigate and discovered Balboa Capital had made an auto debit of $4,090.49 on August 5, 2013, and another of $3,505.19 on August 31, 2013.

Knowing my payments should have been withdrawn quarterly and also seeing these amounts were over my contracted payment agreement, I called Papa Murphy’s Vice President of Finance, Mr. Dick Larsen. Mr. Larson told me that he spoke with Ms. Merza of Balboa Capital and she assured him that the amounts withdrawn ($7595.68) would be credited back to me at the end of the contract. I decided to call Balboa Capital myself and verify what Mr. Larson had been told. I spoke with Ms. Crystal Garcia in the billing department and she stated the information Ms. Merza had given was incorrect. According to Ms. Garcia, the additional charge was actually a prorated “rent” charge. So I called Ms. Merza again, and she told me not listen to the billing department, because “They didn’t know what was going on.”

At this point, I became very concerned that I wasn’t being giving honest information, so I placed a stop payment on the withdrawal from August, 31 2013 ($3,505.19) and then placed a block to keep Balboa from accessing my account. I then began to receive multiple calls from Balboa Capital, asking for the payment I had stopped. I informed them that they already have an additional $4,090.49 of my funds which I believed to be ahead of our contracted quarterly payments. I explained that I did not owe them any further payments until the following quarter. They continued to call and threaten to take legal action, ruin my credit and even though I’m ahead of scheduled payments the harassment wouldn’t stop. I contacted Balboa Capital again I spoke to Ms. Crystal Garcia in the billing dept. She told me they don’t provide payment schedules. When I asked why that is, she stated, “We just don’t.” At his point I knew I wasn’t dealing with an honest company. I wanted to get out of this contract and be settled. I requested a buyout amount. I then received a letter from Mr. Don Hansen, Balboa Capital’s Vice President of Commercial Finance. In his letter he quoted me the buyout amount of $29,141.52.

According to my calculations this was nearly $10,000 higher then I believed I owed for a buyout. My original contract was for $26,904.80. I had already paid $7,330.13, therefore I owed $19,574.67. Again, no explanation for the added amount. While this was going on, Balboa didn’t slow down the relentless phone calls and “Notice of defaults” were arriving seeking more funds before they were due. The stress and harassment became unbearable to me and my family. So by the end of September 2013, I decided to go ahead and make another payment.

On September 23, 2013 I paid another $3,520.19. I also included a letter asking for a list of scheduled payments. I never received it. I contacted Mr. Hanson again. At first, Mr. Hansen seemed eager to help me sort through the confusion and get to the bottom of it. Mr. Hansen acknowledged that Balboa incorrectly withdrew $3,325.73, plus related taxes from my account. I don’t know where he got this amount from. But I was willing to listen. He suggested that upon payment of the full account balance of $29,141.52 –that Balboa would refund the amount they improperly withdrew from my account. At this point, he has lost my confidence to work honestly with me, so I suggested that Balboa credit me the amount he stated I was owed and then I would pay off the remainder of the debt – early. Mr. Hansen stated he couldn’t do that because I wasn’t current on my account. That was a lie. All communication stopped at this point and they have continued the harassment of late payments.

After my discussion with Mr. Hanson I went ahead and decided to pay off the entire remaining debt I owed. Since they would not give me an explanation to all the excessive fees or a payment schedule, I decided I would calculate the amount paid against the amount owed of the original contract and send the difference.

I owed originally $26,904.80

I paid $10,850.32

I sent the remaining balance of $16,064.48.

*Papa Murphy’s stated Balboa Capital guaranteed on the original proposal, no penalty for early payoff.

On December 23, 2013 I had an attorney send a letter along with my final payment check of $16,064.48. Our letter stated that’s this would be my final payment and my debt would be cleared. The memo portion of my check also stated final payment. On December 30th, 2013, that checked cleared my account.

I thought I was done with Balboa Capital. But again, the harassment hasn’t stopped. On December 31, 2013, I received a check from Balboa for the amount of $11,741.07 with a letter stating they were returning my money because they do not allow partial payments. Of course I did not cash that check and have returned it to them. Now I am at my wits end!

I began my research on my own of Balboa Capital and found that this seems to be a business model of theirs. In my search I came across your group and I’m hoping you can assist me in some way. I have paid my debt to them. I have paid it off early and yet they continue to try and squeeze money I don’t have out of me. If they attack my credit (which has been excellent for my entire life) it will destroy my small business because I am required to conduct a remodel of my stores in the near future and will not be able to obtain the funds to do so.

Any assistance you can help me with this matter would be greatly appreciated.

Joe Rice.

Leasing News contacted Don Hansen, now president
of Regents Capital, who responded:

“I remember this one. His transaction required a prefund which we billed a prorated portion and then an interim rent portion was billed. When the invoices came and were ACH’d for those two payments he wanted to dispute them. He then stopped making his contract payment.

“I agreed to refund all of the progress payment money as soon as he brought the contract payments current. I’m sure I even documented that to his attorney a couple of times (there should be a long email trail of exchanges).

“He then said he wanted to do a full payoff – we gave him the payoff numbers.

“Candidly, I tried to work a solution for him that refunded the dollars he was upset about. I absolutely interacted with Dick Larsen and I agreed to make it right to preserve the Papa Murphy’s relationship.  We would waive the perceived “extra charges” and let him stay with his standard agreement.

“Further, I don’t remember interacting with Mr. Rice directly – only through his attorney.

“As his email outlines, these interactions were in August/September – if he really wanted to resolve as we had agreed, he had 3 months to do it. I can’t comment on anything beyond my departure on what happened. Unsure what he was told by collection folks. Frankly, I was working around them to get this guy a better resolution than the company line. You have plenty of documented cases on what the BCC company line is.

“Ask him have his attorney send you our full email exchange – that should set the record straight from my end.”

Don Hansen

Without Balboa Capital’s input, don’t know what else can be done to explain the payoff. Mr. Rice has gone to the president of his franchise and requested the franchise no longer do business with Balboa Capital.

I asked Leasing News Legal Editor Tom McCurnin about interim rent.

He said as outlined in the contract attached, they are legal. (1) I asked him to write a column about Interim Rent, which he said he would do. I also asked Terry Winders, CLP, to give his opinion on the subject, too. Hope to have this in next Monday’s edition.

  1. Lease Contract plus all documents including attorney letters, emails (checks and bank statements were deleted for privacy. 79 pages).



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Free Posting for those seeking employment in Leasing:

All “free” categories “job wanted” ads:



ELFA Report: February New Business Down
Charts Tell the Story

(Chart: Leasing News)

MLFI-25 New Business Volume (Year Over Year Comparison)
click to make larger

Aging of Receivables:

click to make larger

Average Losses (Charge-offs) as a % of net receivables
(Year Over Year Comparison)

click image to make larger

Credit Approval Ratios As % of all Decisions Submitted
(Year Over Year Comparison)

click image to make larger

Total Number of Employees
(Year Over Year Comparison)

click image to make larger
(Equipment Leasing & Finance Association Charts)


ELFA MLFI-25 Participants

ADP Credit
BancorpSouth Equipment Finance
Bank of America
Bank of the West
BB&T Bank
BMO Harris Equipment Finance
Canon Financial Services
Caterpillar Financial Services
De Lage Landen Financial Services
Dell Financial Services
Direct Capital Corporation
EverBank Commercial Finance
Fifth Third Equipment Finance
First American Equipment Finance, a City National Bank Company
GreatAmerica Financial Services
Hitachi Credit America
HP Financial Services
Huntington Equipment Finance
John Deere Financial
Key Equipment Finance
LEAF Commercial Capital
M&T Bank
Marlin Leasing
Merchants Capital
PNC Equipment Finance
RBS Asset Finance
SG Equipment Finance
Siemens Financial Services
Stearns Bank
Susquehanna Commercial Finance
TCF Equipment Finance
US Bancorp Equipment Finance
Verizon Capital
Volvo Financial Services
Wells Fargo Equipment Finance



Leasing Industry Help Wanted



Help Wanted Classified Ads

$595 four HTML lines
(note, a space is counted as a line)
$40 for each additional line or space

The classified ad will appear for 21 days.

The idea is to attract an applicant to learn more, either to click to a full description on your web site or to a full job description attachment (free, no charge).

All "Help Wanted" ads go into the "Help Wanted" classified ad section, which appears in each news edition, and is well read. The ad will also appear on the web site for those who go directly to the web site section.

A "Help Wanted" ad appears at the top of the headlines in each edition in a chronological basis with other help wanted ads. The position cannot be purchased. The ad also continues to appear in the classified ad section in the news edition as well as the web site in addition to appearing above the headlines. If there is only one help wanted ad, a display ad may be utilized in the rotation basis as this position, meaning the one help wanted ad is not going to be on top in every edition.

Contact for more
information or to help word a classified ad.

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




When Can You Keep the Advance or Deposit?

In a posting on by Dallin Hawkins,  Managing Director of Sales & Operations, Integrity Financial Groups, he stated, “There are a few scenarios in which we would keep a deposit: 

“1. If the client has been approved on a transaction and they decide not to go through with the funding. 
2. If we find that the client has provided us with fraudulent documentation or committed any other illegal acts. 
3. If the client circumvents us on a transaction.”

The story and complaints involve leases that were never approved for the original terms and conditions as signed by the applicant, and deposits of $12,000, $20,000 and $50,000, which were never returned by Mr. Hawkins. Nevertheless, Leasing News asked its legal editor, Tom McCurnin who commented regarding Mr. Hawkins claims: 

Number 1,  “If the client has been approved on a transaction and they decide not to go through with the funding.”  The devil is in the details there.  Did the customer actually agree to a specific form of financing and the broker delivered an approval for that exact form of financing?  If so, then the answer is yes.  However often the approval deal is quite different from what was applied for and what was in the brokerage contact?  I cannot comment with any certainty without knowing the details of the application, contract and the funding offered.  Any broker should keep rudimentary time records to prove its damages. 

No. 2, “If we find that the client has provided us with fraudulent documentation or committed any other illegal acts.”  If an applicant did that, and the contract so provides, then the broker may be allowed to keep some of the deposit monies in California, dependent on the work which was done in furtherance of the deal.  The broker should keep some rudimentary time records. 

3. “If the client circumvents us on a transaction.”  This would be dependent on the nature of the contract.  The broker should keep rudimentary time records to prove its damages. 

The bottom line for me is that if the lessee commits a technical breach of the brokerage contract, the broker can obtain damages, but keeping the whole of the deposit where the amount is extraordinarily high would be a penalty and would be frowned upon by the Courts.  That is why a broker should keep rudimentary time records to prove its damages. 

Tom McCurnin
Barton, Klugman & Oetting
350 South Grand Ave.
Suite 2200
Los Angeles, CA 90071
Direct Phone: (213) 617-6129
Cell (213) 268-8291
Fax: (213) 625-1832
Visit our web site at


Working Capital Loans $10,000-$250,000


"Commitment to Lease" Agreements

The dollar size of the lease proposal often dictates the details and length of the commitment letter.

In small ticket lease, the actual lease payment is often given and calls for the first and last as well as the documentation fee. Often a clause contains a "documentation" fee for $495.00, which is non-refundable if the lease is not approved. The wording is different and seems to be buried and whether written originally by an attorney or taken from the use of another leasing companies form is not known.

According to ex-employees as well as complaints that have appeared in Leasing News, many companies get such proposals signed in advance knowing they will be unable to proceed with the lease due to the nature of the equipment or the proposed lessee telling them of their credit difficulties in the presentation or from running a consumer credit report.

In larger ticket size leases, often a form such as this is used, which specifically charges a fee to process the application:

Loans or “Working Capital” commitment letters are explicit and require the broker to often be licensed. This form is for use in California:

This form is one of the most widely used in the leasing industry for leases $50,000 and above and covers most of the bases. Note: Last sentences about the signatures makes this more a “proposal,” than commitment. If required, these sentences may be removed.

It is a good idea to have the form you use reviewed by an attorney with equipment leasing experience. This does not mean your college friend who became a lawyer. You wouldn't take your children to an Endodontist to get braces on their teeth, although the practitioner is a "dentist." The same with going to an attorney. You don't go to a divorce attorney to go over a lease commitment contract.

Some things to consider in your form.

#1: ACH---If you are going to require it or may require it, you should have this spelled out in the agreement. If not in the contract and becomes a requirement of the lease, the proposal is invalid.

#2 Date---It is a good idea to have a time period involved, and perhaps if not approved, from completion of all the documents and/or lease contracts. A prospect can back out after 30 days and bring this up in small claims court, unless spelled out the time begins after all documentation is complete ( attorneys will have different opinions on this and its wording, but the complaint may make it into Leasing News when it takes months before anything happens.)

#3 Personal guarantee--of all officers who own 10% or more of a privately held corporation. (This will protect if the final approval comes in with terms and conditions, but requires other guarantors who are not named on the application or in the proposal.)

The following form was development by Leasing News Advisor Kenneth C. Greene, Esq.:

To Contact Ken Greene:

Kenneth Charles Greene, Esq.
Law Offices of Kenneth Charles Greene
Suite 208
5743 Corsa Avenue
Westlake Village, CA 91362
Tel:    818.575.9095
Fax:   805.435.7464
Skype: 424.235.1658

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



Sign Up for ACH at NEFA Conference

The National Equipment Finance Association announces at the NEFA Summit 2014 in Scottsdale, AZ April 2-4, ACH Processing Company will be at Booth 119.

Reduce Risk and Get Paid Faster

Whether you're lending working capital or financing equipment, the amount of risk you are bearing is substantial. A single practice of obtaining and recovering funds via ACH not only mitigates your risk by giving you full authority to debit your customers account at any moment, but it also saves you time waiting for your funds from those pesky credit card providers and by offering a flat per transaction rate, you know exactly what you're paying for.

How It Works

Obtaining Authorization

The easiest method to obtaining an authorization is by incorporating it into the contractual agreement currently in place. This way customers believe it's required (which you can mandate). All necessary information would be provided and you can start electronically debiting customers immediately.

Customer Setup

With our virtual terminal, you can easily input the collected information and have that customer readily available. Our Recurring Schedule Manager allows you to choose how frequent these debits occur and what amount you have agreed on debiting, along with a start and end date.

Getting Paid

The easy part - Once transactions process and clear, funds will be automatically remitted into your provided bank account. No more trips to the bank. No more chasing clients down for late payments. No more headaches.


Information about NEFA Summit Conference
(Online registration is available until: 3/31/2014)



Banks with highest Texas ratios
By Tahir Ali

An SNL Financial Exclusive

Georgia had 40 banks and thrifts over the 100% adjusted Texas ratio mark at Dec. 31, the most of any state. However, the median adjusted Texas ratio for all Georgia-based banks and thrifts was 27.87% at the end of the year. Illinois reclaimed second spot for hosting 24 institutions, with an adjusted Texas ratio of over 100%. Florida, the state with the third-highest number of institutions over 100% adjusted Texas ratio, reported an overall median Texas ratio of 27.38% as of Dec. 31, 2013.

As of March 25, three of the five institutions that have failed in 2014 reported an adjusted Texas ratio over 100% the quarter prior to failing. Millennium Bank NA posted the highest adjusted Texas ratio among banks and thrifts at Sept. 30, 2013, at 3,330.21% and failed on Feb. 28, 2014. Vantage Point Bank reported an adjusted Texas ratio of 213.85 % at Dec. 31, 2013, and failed on Feb. 28. Bank of Union reported an adjusted Texas ratio of 345.17% at Dec. 31, 2013, prior to its failure on Jan. 24, 2014.

The number of institutions with an adjusted Texas ratio over 100% fell to 203 at the end of 2013, compared to 235 at September 30, 2013. However, the median adjusted Texas ratio among those companies above the 100% mark ticked upward over the final quarter following a steady decline in the three prior quarters. Banks with adjusted Texas ratio over 100% reported a median adjusted Texas ratio of 161.7 % for the fourth quarter of 2013, compared to 155.57% in the prior quarter.

A high Texas ratio does not guarantee failure, but the ratio is a good measure of a bank's ability to absorb future losses. SNL defines the adjusted Texas ratio as nonperforming assets plus loans 90 days or more past due — excluding delinquent government-guaranteed loans and other real estate owned covered by loss-sharing agreements with the FDIC — divided by tangible equity plus reserves. Institutions that reported a negative tangible equity are excluded from the analysis.

Eastside Commercial Bank reported an adjusted Texas ratio of 1,030.75% at the end of the fourth quarter of 2013, the highest among all U.S. banks and thrifts. The undercapitalized bank reported a $2.7 million decrease in adjusted nonperforming assets and a $1.03 million decrease in tangible equity during the fourth quarter, resulting in an adjusted Texas ratio increase by 26.63 percentage points quarter over quarter.

First City Bank of Florida posted the second-highest adjusted Texas ratio in the fourth quarter at 639.12%, an increase of 29.73 percentage points over the third quarter. The bank posted a loss of $423,000 in the fourth quarter, and its tangible equity fell by $502,000 quarter over quarter.

First South Bank reported an adjusted Texas ratio of 512.75% at Dec. 31, 2013, down 152.03 percentage points from the end of the third quarter, the largest decrease among the top 30 banks and thrifts by adjusted Texas ratio at year-end 2013. First South's adjusted nonperforming assets fell by $6 million quarter over quarter. At the other end of the spectrum, AztecAmerica Bank's 112.86 percentage point increase in its adjusted Texas ratio was the largest among the top 30. The company's adjusted Texas ratio was 534.37% at the end of the fourth quarter.



First Roses of Spring

In my daily walk with my dog Bode in Saratoga, California, we discovered the first roses of spring on Panorama Drive. This is very, very early for blooms. At home, all the hybrid tea and floribunda roses are in bud stage and looks like there will be a major flurry when they explode into blooming flowers.

A Meyer lemon tree on Panorama. The owner runs every morning. He said to take any lemons we might need as he has plenty.

Now the drought here is serious, so here is one home on Monte Vista Drive where there is no lawn as the owner is having tile (the size of bricks) put in so he doesn't have to water the grass. Note: photo is 1/3 of the front yard.

Only in California!!!

Kit Menkin

--photos taken with my Droid


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

Federal Reserve Report: Mobile Financial Services

The use of mobile phones to access a bank account, credit card, or other financial account continued to increase in prevalence among adults in the United States last year, according to the Federal Reserve Board's latest report on the use of mobile financial services. As of December 2013, 33 percent of all mobile phone users and 51 percent of smartphone users had used mobile banking in the past 12 months. This is an increase from 28 percent in December 2012 for mobile phone users and 48 percent for smartphone users. The use of mobile phones to make payments at the point-of-sale has experienced substantial growth over the past several years, increasing threefold between the 2011 and 2012 surveys, and again between 2012 and 2013. In 2013, 17 percent of smartphone owners, representing 9 percent of the U.S. adult population, reported having used their phone to make a purchase at a retail store in the past 12 months.

Mobile phones are also increasingly used to help make decisions while shopping. Among smartphone owners, 44 percent had used their phone to compare prices while shopping and 42 percent had used their phones to browse product reviews in store. Over two-thirds of those who had used their phone to do price comparisons had changed where they made their purchase based on that information.

The Federal Reserve Board completed its first Survey of Consumers' Use of Mobile Financial Services in December 2011, and released a summary report in March 2012. The Board has continued to conduct the survey and release a report annually to monitor trends in the use of mobile financial services, and to understand how the rapidly expanding use of this technology affects consumer decision-making and the overall economy.

The Board's report looks at how consumers access their bank's services using mobile phones ("mobile banking"), at their payment for goods and services using mobile phones ("mobile payments"), as well as their use of mobile phones to inform their shopping decisions.

The most common mobile banking activities continue to be reviewing account balances, monitoring recent transactions, or transferring money between accounts. The use of mobile phones to deposit checks by taking pictures of them using the phone's camera again increased substantially between surveys, with 38 percent of mobile banking users having deposited a check with their phone in 2013.

The use of mobile financial services is particularly prevalent among the 17 percent of the population that is under banked (people with bank accounts but who also use check cashers, payday lenders, auto title loans, pawn shops, or payroll cards). Among the 88 percent of under banked consumers with mobile phones, 39 percent had used mobile banking in 2013. Mobile phones may also allow for the extension of financial services to an additional 10 percent of the population that is unbanked (those without a bank account), as 69 percent of this group has a mobile phone, 64 percent of which are smartphones.

While the use of mobile banking continues to increase, the report indicates that those consumers who do not use mobile banking are becoming more skeptical of the benefit of mobile banking and the level of security associated with the technology. Well over half of mobile phone owners who do not currently use mobile banking say they have no interest in using this technology. Consumers are similarly skeptical of the benefits and security of mobile point-of-sale payments, or believe it is simply easier to use another method of payment. Almost three quarters of all mobile phone owners said that they were "unlikely" or "very unlikely" to use their mobile phones to buy things at the point-of-sale if given the option.

The survey was conducted on behalf of the Board by GfK, an online consumer research firm. Data collection began December 6, 2013, and concluded on December 23, 2013. Just over 2,600 respondents completed the survey. A report summarizing the survey's mobile financial services findings may be found at: (Note: 47 page report).

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



German Shepherd Dog/Anatolian Shepherd
Irvine, California Adopt-a-Dog


*TRINKET - ID#A090753

“I am a spayed female, black and tan German Shepherd Dog and Anatolian Shepherd.

“I am about 2 years, 0 months old.

“I have been at the shelter since Mar 01, 2014.”

For more information about this animal, call:
Irvine Animal Care Center at (949) 724-7740
Ask for information about animal ID number A090753

Phone: 949-724-7740
Fax: 949-724-7749

Animal Services Phone: 949-724-7092
Mailing Address:
PO Box 19575
Irvine, CA 92623

Physical Address:
6443 Oak Canyon
Irvine, CA 92618
Weekdays: noon-7 p.m.
Weekends: 10 a.m.-5 p.m.
The Center is closed on Tuesdays and holidays

Please allow yourself at least one hour to visit with adoptable animals..

Adoption Procedure:

Adopt a Pet



Classified ads—Web Sites

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(Providing Services and Products)

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Generate Leads, Build Authority and Showcase your expertise with your own lease blog. Don't have the time? We do it for you. Complete turnkey blog setup and/or content only provided by leasing expert for leasing companies. 
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All "Outsourcing" Classified ads (advertisers are both requested and responsible to keep their free ads up to date:

How to Post a free "Outsourcing" classified ad:



News Briefs----

Snow on the way, but at least we don't live on Cape Cod

Federal Reserve Corrects Dodd-Frank Stress Test
Even Afterwards, Test Show Big Bank Strength

One in Three of Americans Hasn’t Been to the Bank in at Least 6 Months

For Tax Purposes, IRS rules Bitcoin is property, not currency

Walgreens to close 76 stores,0,5726217.story

All Madoff Victims under $925,000 to be Satisfied in Full

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|

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S.F. landmark namesakes – how many do you know?


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Three Contact Lens Habits To Break


Spring Poem

 Spring Poem

        Sonnet 98 

                by William Shakespeare (1609)

From you have I been absent in the spring
When proud-pied April, dress’d in all his trim,
Hath put a spirit of youth in every thing,
That heavy Saturn laugh’d and leap’d with him.
Yet nor the lays of birds, nor the sweet smell
Of different flowers in odour and in hue,
Could make me any summer’s story tell,
Or from their proud lap pluck them where they grew:
Nor did I wonder at the lily’s white,
Nor praise the deep vermilion in the rose;
They were but sweet, but figures of delight,
Drawn after you, you pattern of all those.
Yet seem’d it winter still, and you away,
As with your shadow I with these did play.



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Leasing News Wine & Spirits Page


This Day in History

    1602—Cape Cod named
    1701 - The English Board of Trade advises the king to create royal colonies of all of the American charter colonies. 
    1760-Birthday of famous African-American Richard Allen, AME Church Bishop
    1847-Capt. John L. Folsom arrived as quartermaster of Stevenson's regiment in San Francisco. Folsom St. was later named for him. 
    1858-Jane Arminda Delano, dedicated American nurse and teacher, superintendent of the US Army Nurse Corps, chairman of the American Red Cross Nursing Service and recipient (posthumously) of the Distinguished Service Medal of the US, was born near Townsend, NY. While on an official visit to review Red Cross activities, she died Apr 15, 1919, in an army hospital at Savenay, France. Her last words: "What about my work? I must get back to my work." Buried at Loire, France, her remains were reinterred at Arlington Cemetery in 1920.
    1859---Birthday of poet A.E. Houseman, poet, “A Shropshire Lad”.
    1872- African-American Thomas J Martin awarded patent for the “modern” fire extinguisher. The fire extinguisher was patented by Alanson Crane in 1863. In the 1850’s, baking soda and chemicals were used. It was not uncommon in textile mills to have pipes with many holes in the ceiling to spurt water in case of a fire. Dr. Percy Julian, another prominent African-American, invented the aero-foam extinguisher for use against gas and oil fires during World War II.
    1874-birthday of Robert Frost, American poet who tried his hand at farming, teaching, shoemaking and editing before winning acclaim as a poet. Pulitzer Prize winner. Born at San Francisco, CA, he died at Boston, MA, Jan 29, 1963
Some say the world will end in fire,
Some say in ice.
From what I've tasted of desire
I hold with those who favour fire.
But if it had to perish twice,
I think I know enough of hate
To say that for destruction ice
Is also great
And would suffice.

"I shall be telling this with a sigh
Somewhere ages and ages hence:
Two roads diverged in a wood, and I —
I took the one less traveled by,
And that has made all the difference. "
~ Robert Frost, from 'The Road Not Taken', (1916)
    1874- Publisher Conde Nast born New York City. Set the world of fashion alive and building a publishing empire. Died 1942
    1882--Young Oscar Wilde arrives by train in San Francisco. He had been the center of a maelstrom of scandalous incident and publicity from the moment of his arrival in early January 1882 [contradiction]. There was a sudden exaggerated vogue of sunflowers, lilies, and Japanese parasols, all of which were said to evoke Wilde's enthusiasm. Newspaper reporters outdid themselves in ridiculing the twenty-eight-year-old "lecturer". Cartoonists pounced upon him with a fervor less brutal than gleeful; women draped themselves about the new "lion"; and the few men who found something sensible and telling in Wilde's advice and pronouncements on art and decoration were unheard for the most part in the paean of masculine denunciation. The costume adopted by young Wilde, which included short breeches, long silk stockings, and a shoulder-length haircut, was hailed with horror and amazed contempt by young dandies educated to long tight trousers, high stiff collars, and full mustaches.
    1885- Eastman Dry Plate and Film Company of Rochester, NY, began manufacturing of movie film. The company was also the first to produce, manufacture, and market films in continuous strips on reels, thus making motion picture films possible.
    1892-Walt Whitman passes on in Camden, NJ.
Here is Allen Ginsberg’s “A Supermarket in California” tribute to Walt Whitman:
    1911- Tennessee Williams was born at Columbus, MS. He was one of America's most prolific playwrights, producing such works as “The Glass Menagerie”, “A Streetcar Named Desire”, which won a Pulitzer Prize; “Cat on a Hot Tin Roof”, which won a second Pulitzer; “Night of the Iguana”, “Summer and Smoke”, “The Rose Tattoo”, and “Sweet Bird of Youth”, among others. Williams died at New York, NY, Feb 25, 1983.
    1913 -The Miami River in Ohio reached a record flood crest after 10 inches of rain deluged a wide area of the Ohio River Basin. Severe flooding killed 467 people and total damage was 147 million dollars. This flood was the second most deadly of record for the nation.
    1916 – Robert Strauss, Birdman of Alcatraz receives solitary confinement, for giving a guard the bird.
    1920 -- F. Scott Fitzgerald's first book, “This Side of Paradise” is published. It sells 20,000 copies in a week. At 23, he is the youngest novelist ever published by Scribner's.
    1920 -- American poet and leading member of the Beats, Gregory Corso, lives New York. Convicted of theft at 17, he discovers literature in prison and later meets Allen Ginsberg. In 1955, he published his first book, “The Vestal Lady on Brattle”.
conditions in Russia. 
1921 Jimmy Blanton Birthday
    1923 -- Bob Elliot (of Bob & Ray) born. They were one of the great radio personalities, especially in broadcast journalism.
    1945 - Generals Eisenhower, Bradley, and Patton attack at Remagen on the Rhine. The US 7th Army begins to send units of US 15th and US 6th Corps across the Rhine River between Worms and Mannheim. To the north all the Allied armies continue to advance.
    1945 - On Iwo Jima, the few hundred Japanese troops remaining on the island mount a final suicide attack. They are wiped out by elements of the 5th Marine Division, which had been assigned the task of reducing the last pockets of resistance. About 200 of the Japanese garrison of 20,700 remain alive as prisoners. American casualties have been almost 6,000 dead and 17,200 wounded.
    1930--- Sandra Day O'Connor birthday. The first woman to be appointed an Associate Justice of the United States Supreme Court was an Arizona lawyer and judge. She served in the state Senate from 1969 until 1974, becoming majority leader, the first woman to hold such a position. She was elected an Arizona Superior Court Judge in 1974, and was appointed to the Arizona Court of Appeals in 1979. President Ronald Reagan, under great pressure from women's groups as well as his own party, appointed O'Connor and she was sworn in on September 25, 1981. Expected to be a strict Republican right-winger and seen as the deciding anti-choice vote, she amazed everyone by being the deciding vote to uphold a woman's right to choose and confirm that an embryo or fetus is not a child.
    1930 -19.2 inches of snow fell at Chicago, Illinois in 2 days. This is greatest modern snowfall on the record books at Chicago.
    1931- Dr. Spock of “Star Trek” and noted actor/writer Leonard Nimoy born Boston, MA.
    1931-Guitarist Jerry Silverman born, New York City, NY

1934—Birthday of actor Alan Arkin, New York, NY.
    1937-The first monument to a comic-strip character was the Popeye statue in Popeye Park, Crystal, Texas, unveiled during the Second Annual Spinach Festival. It was six feet tall, made of concrete, and colored to represent Elzie Crisler Segar's cartoon character, "Popeye." If anyone knows that the statue still exists, please let me know.
    1937- William Hastie, first Black federal judge, was appointed.
    1937 - Joe DiMaggio said he’d take Ty Cobb’s advice and use a 36 or 37-ounce baseball bat instead of a 40-ounce stick during that season. The result? ‘Joltin’ Joe’ hit .346 during the season with 46 home runs -- the most he ever hit in a single year. In the words of Yankee broadcaster Mel Allen, “How about that!” During his 13-year career with the Yankees, DiMaggio connected for 2,214 hits, 361 homers, batted .325, played in 1,736 total games and came to the plate to bat 6,821 times. He was elected to Baseball’s Hall of Fame in 1955.

1940— Birthday of Nancy Pelosi, Baltimore, MD. Congresswoman from San Francisco, former Mayor and Supervisor. Her father was once Mayor of Baltimore.
    1941 - Jimmie Lunceford and his orchestra recorded the tune, "Battle Axe", for Decca Records. Lunceford began with the Chickasaw Syncopaters, a 10-piece band, in the late 1920s.
    1943 - Battle of Komandorski Islands prevents Japanese reinforcements from reaching Attu. An American squadron of 2 cruisers and 4 destroyers (under the command of Admiral McMorris) meets a Japanese squadron of 4 cruisers and 5 destroyers (under the command of Admiral Hosogaya) off the Komandorski Islands. A traditional gun engagement begins and a cruiser on each side is badly damaged. Hosogaya decides to break off at this point although he has a clear superiority which is beginning to tell. 
    1943—Birthday of journalist Bob Woodward. “All the President’s Men” with Carl Bernstein, born Geneva, IL.
    1944-Birthday of singer Diana Ross, Detroit, MI. She came to prominence in the 1960's as lead singer of the Supremes, Motown Records' most popular act. Ross left the group in 1969, and the following year, had a hit with her first solo single, "Reach Out and Touch (Somebody's Hand)." Her next release, a remake of Marvin Gaye and Tammi Terrell's hit, "Ain't No Mountain High Enough," shot to the top of both the pop and rhythm and blues charts. Ross's other number-one hits during the 1970's included "Last Time I Saw Him," "Do You Know Where You're Going To?" and "Love Hangover." In 1981, Diana Ross duet with Lionel Richie on the number-one theme from the film "Endless Love." It was the year's most popular song, selling more than two-million copies. She is fighting drug rehabilitation after being picked up for drunk driving. She stayed only five days in a rehabilitation home, and also has been violating her parole requirements.
    1945-MARTIN, HARRY LINN  Medal of Honor
Rank and organization: First Lieutenant, U.S. Marine Corps Reserve. Born: 4 January 1911, Bucyrus, Ohio. Appointed from. Ohio. Citation: For conspicuous gallantry and intrepidity at the risk of his life above and beyond the call of duty as platoon leader attached to Company C, 5th Pioneer Battalion, 5th Marine Division, in action against enemy Japanese forces on Iwo Jima, Volcano Islands, 26 March 1945. With his sector of the 5th Pioneer Battalion bivouac area penetrated by a concentrated enemy attack launched a few minutes before dawn, 1st Lt. Martin instantly organized a firing line with the marines nearest his foxhole and succeeded in checking momentarily the headlong rush of the Japanese. Determined to rescue several of his men trapped in positions overrun by the enemy, he defied intense hostile fire to work his way through the Japanese to the surrounded marines. Although sustaining 2 severe wounds, he blasted the Japanese who attempted to intercept him, located his beleaguered men and directed them to their own lines. When 4 of the infiltrating enemy took possession of an abandoned machinegun pit and subjected his sector to a barrage of hand grenades, 1st Lt. Martin, alone and armed only with a pistol, boldly charged the hostile position and killed all of its occupants. Realizing that his few remaining comrades could not repulse another organized attack, he called to his men to follow and then charged into the midst of the strong enemy force, firing his weapon and scattering them until he fell, mortally wounded by a grenade. By his outstanding valor, indomitable fighting spirit and tenacious determination in the face of overwhelming odds, 1st Lt. Martin permanently disrupted a coordinated Japanese attack and prevented a greater loss of life in his own and adjacent platoons. His inspiring leadership and unswerving devotion to duty reflect the highest credit upon himself and the U.S. Naval Service. He gallantly gave his life in the service of his country.
    1945-During World War II, the last few hundred Japanese defenders of Iwo Jima are killed in a final suicide attack against the US forces who invaded the strategic island five weeks before. On February 19, 1945, after three days of heavy naval and aerial bombardment, the first wave of US Marines storm Iwo Jima, a tiny Pacific island located in bomber-range of the Japanese home islands. The Japanese garrison on the island numbered only 22,000 men, but their commander, General Tadamichi Kuribayashi, who had been expecting an Allied invasion for eight months, had used the time to construct an intricate and deadly system of underground tunnels, fortifications, and artillery that withstood the initial Allied bombardment. By the evening of the first day, the 30,000 US Marines commanded by General Holland Smith had managed to establish a beachhead. Over the next few days, the Marines advanced inch by inch under heavy fire from entrenched Japanese artillery and suffered suicidal charges from the Japanese infantry. While the Japanese kamikaze flyers slammed into the Allied naval fleet around Iwo Jima, the Marines on the island continued their bloody northern advance across the island, responding to Kuribayashi’s lethal defenses with remarkable endurance. 
On February 23, 1945, the Twenty-Eighth Marine Division took the crest of Mount Suribachi, the island’s only peak and most strategic position. The image of the soldiers raising the American flag on this peak, taken by photographer Joseph Rosenthal, is one of the most iconic photographs of World War II. By March 3, US forces controlled all three airfields on the island, and, by March 26, the last Japanese defenders on Iwo Jima had been wiped out. Six thousand Americans died taking Iwo Jima and 17,200 were wounded. Almost all of the 22,000 Japanese defenders perished.
    1945 - US naval forces (TF58 and TF52) continue air strikes on Okinawa. US Task Force 54 (Admiral Deyo), with 10 battleships, 10 cruisers and 33 destroyers, begin the main bombardment of Okinawa. The US 77th Infantry Division (General Bruce) lands on Kerama Retto and overruns the small Japanese garrison. The British Pacific Fleet (Admiral Rawlings) also designated Task Force 57, with 4 fleet carriers, 2 battleships, 5 cruisers and 11 destroyers, attacks airfields and other targets on Sakashima Gunto. Japanese submarines make unsuccessful attacks on the Allied ships. Coast Guardsmen participated in the landings at Geruma Shima, Hokaji Shima, and Takashiki in the Ryukyu Islands. 
    1948 - Aerosmith's Steven Tyler (Steven Tallarico) is born in New York City.
    1949—Top Hits
Cruising Down the River - The Blue Barron Orchestra (vocal: ensemble)
Far Away Places - Margaret Whiting
Powder Your Face with Sunshine - Evelyn Knight
Tennessee Saturday Night - Red Foley
    1950-Birthday of Comedian and performer Martin Short, Hamilton, ON, Canada. If you get a chance to see his one man show, it is hilarious.
    1950 - Singer Teddy Pendergrass is born in Philadelphia. An auto accident in 1982 leaves him partially paralyzed. He tops the R&B chart with the songs, “Joy'' and “Close the Door.''
    1951 - The U.S. Air Force flag was approved on this day. The flag included the coat of arms, 13 white stars, and the Air Force seal on a blue background. 
    1951-During a spring exhibition game against the University of Southern California at Bovard Field, NY Yankees’ Mickey Mantle hits a home run which is estimated to travel 650 feet. The rookie's performance, which includes a single, triple and another homer, is one of the highlights of the Yankees' first ever west coast Spring Training trip.
    1953 - Dr. Jonas Salk announced a new vaccine to prevent poliomyelitis.
    1953 – President Eisenhower offers increased aid to the French fighting in Indochina.
    1954 - The temperature at Allaket, AK., plunged to 69 degrees below zero.
    1954 - The U.S. set off the second H-bomb blast in four weeks in the Marshall Islands at Bikini Island. The 15-megaton device was 750 times more powerful than the atomic bomb dropped on Hiroshima. The blast contaminated the neighboring island of Rongelap and nearly 100 people on the island and other downwind atolls. 
    1955-- Bill Hayes' "The Ballad of Davy Crockett" hits #1, reflecting the immense popularity of the Davy Crockett series on Walt Disney’s TV show.
    1956 - Red Buttons made his debut as a television actor in a presentation of "Studio One" on CBS television.
    1956-After Bob Neal's management contract with Elvis Presley expired on March 15th, Colonel Tom Parker takes over. His position of personal representative and manager will pay him 25 percent of Presley's earnings. 
    1957-Ricky Nelson records his first tunes for the Verve label, "A Teenager's Romance", which will climb to #2 on the Billboard chart and "I'm Walkin'", which will reach #4. Over his fifteen year recording career, Ricky will place 36 songs on the chart.
    1957—Top Hits
Young Love - Tab Hunter
Little Darlin’ - The Diamonds
Party Doll - Buddy Knox
There You Go - Johnny Cash
    1957- Yankee manager Casey Stengel is arrested and is released on $50 bail after he allegedly curses and kicks a newspaper photographer during an exhibition game in St. Petersburg.
    1958 - The RKO Pantages Theater, Los Angeles, was the scene of 30th Annual Academy Awards celebration. The show was hosted by Rosalind Russell, James Stewart, David Niven, Jack Lemmon, Bob Hope and Donald Duck (on film). There were several memorable films produced in 1957, but two blockbusters shot it out this night, "The Bridge on the River Kwai" and "Sayonara". "The Bridge on the River Kwai" (Sam Spiegel, producer) took Oscars for Best Picture; Best Actor (Alec Guinness); Cinematography (Jack Hildyard); Director (David Lean); Film Editing (Peter Taylor); Scoring (Malcolm Arnold); and writing (Pierre Boulle, Carl Foreman, Michael Wilson). Meanwhile, "Sayonara" (William Goetz, producer) won for Best Supporting Actor (Red Buttons); Supporting Actress (Miyoshi Umeki); Art Direction (Ted Haworth); Set Decoration (Robert Priestley); and Sound Recording (George Groves). And, lest we forget, Joanne Woodward won the Best Actress Oscar for "The Three Faces of Eve". The prize for Best Music/Song went to James Van Heusen (music), Sammy Cahn (lyrics) for "All the Way" (the classic Sinatra song) from "The Joker Is Wild".
    1958-Eddie Cochran records his only US Top Ten hit, "Summertime Blues", which will rise to #8 in the US next Fall.
    1960 - The University of Southern California (USC) captured the NCAA swimming title, becoming the first Pacific Coast School to do so. 
    1960-birthday of former football player and TV commentator Marcus Allen, San Diego, CA. LA Raiders and Kansas City Chiefs running back; Super Bowl XVIII MVP with one of the most memorable broken-field runs in Super Bowl history; Heisman Trophy Winner in 1981. Holds record for number of games rushed 200 yards+, 5 for USC.
    1961-Gene McDaniels' "One Hundred Pounds of Clay," his first and biggest hit, enters the pop chart. It peaks at #3.
    1961-Elvis Presley sets a British chart first: Number One with three straight releases: "It's Now or Never," "Are You Lonesome Tonight" and "Wooden Heart."
    1963—“Funny Girl”, a musical about Ziegfeld Follies star Fanny Brice, opens on Broadway, starring Barbra Streisand. It features the hits "Don't Rain on My Parade" and the song that would become her trademark, "People." She wins a Best Actress Oscar for her role in the film version, tieing for the award with Katharine Hepburn.
    1964 - Edward Clark set the fastest speed record by an American swimmer. He was timed at 4.89 miles-per-hour at the Yale University pool. 
1964-Former Beatles drummer Pete Best appears on US TV show “I’ve Got a Secret”. It only took a handful of questions before the panel guessed his former occupation and when host Gary Moore asked him why he left the group, he said "I thought I'd like to start of group of my own and I thought at that time they weren't going to go as big as they are now."
    1965—Top Hits
Eight Days a Week - The Beatles
Stop! In the Name of Love - The Supremes
The Birds and the Bees - Jewel Akens
I’ve Got a Tiger by the Tail - Buck Owens
    1967--DICKEY, DOUGLAS E.  Medal of Honor
Rank and organization: Private First Class, U.S. Marine Corps, Company C, 1st Battalion, 4th Marines, 9th Marine Amphibious Brigade, 3d Marine Division (Rein). Place and dale: Republic of Vietnam, 26 March 1967. Entered service at: Cincinnati, Ohio. Born: 24 December 1946, Greenville, Darke, Ohio. Citation: For conspicuous gallantry and intrepidity at the risk of his life above and beyond the call of duty. While participating in Operation Beacon Hill 1, the 2d Platoon was engaged in a fierce battle with the Viet Cong at close range in dense jungle foliage. Pfc. Dickey had come forward to replace a radio operator who had been wounded in this intense action and was being treated by a medical corpsman. Suddenly an enemy grenade landed in the midst of a group of marines, which included the wounded radio operator who was immobilized. Fully realizing the inevitable result of his actions, Pfc. Dickey, in a final valiant act, quickly and unhesitatingly threw himself upon the deadly grenade, absorbing with his body the full and complete force of the explosion. Pfc. Dickey's personal heroism, extraordinary valor and selfless courage saved a number of his comrades from certain injury and possible death at the cost of his life. His actions reflected great credit upon himself, the Marine Corps and the U.S. Naval Service. He gallantly gave his life for his country.
    1969 - "Marcus Welby", a TV movie, was seen on ABC. Ratings showed the program to be so popular that it was turned into a long-running series starring Robert Young and a young James Brolin. 
    1969 - John Lennon and Yoko Ono begin their ‘Bed-in' at the Amsterdam Hilton.
    1971 - William Conrad starred as "Cannon" on CBS-TV. This also was a one-time TV event that became a popular series that year.
    1972 - The Los Angeles Lakers broke a National Basketball Association record by winning 69 of 82 games
    1973- "The Young and the Restless" premiered on television. Tom Selleck and David Hasselhoff were among the actors who started here. The show expanded to one hour in 1980. Its theme music is now well known as "Nadia's Theme," as it was played during Nadia Comaneci's routine at the 1976 Olympics.
    1973---Top Hits
Love Train - O’Jays
Also Sprach Zarathustra (2001) - Deodato
Neither One of Us (Wants to Be the First to Say Goodbye) - Gladys Knight & The Pips
Teddy Bear Song - Barbara Fairchild
    1974-Dionne Warwick and The Spinners record "Then Came You". Although Warwick doesn't have much faith in the song, it will become her first hit in nearly four years when it tops the Billboard chart next October. 
    1974 The Red Sox release veterans Orlando Cepeda and Luis Aparicio as well as pitcher Bobby Bolin.
    1974- David Essex's "Rock On" is certified gold.
    1975 - The city of Hue, in northernmost South Vietnam, falls to the North Vietnamese. Hue was the most recent major city in South Vietnam to fall to the communists during their new offensive. The offensive had started in December 1974, when the North Vietnamese had launched a major attack against the lightly defended province of Phuoc Long, located north of Saigon along the Cambodian border. The communists overran the provincial capital of Phuoc Binh on January 6, 1975. President Richard Nixon had repeatedly promised South Vietnamese President Nguyen Van Thieu that the United States would come to the aid of South Vietnam if North Vietnam committed a major violation of the Peace Accords. However, by the time the communists had taken Phuoc Long, Nixon had already resigned from office and his successor, Gerald Ford, was unable to convince a hostile Congress to make good on Nixon's promises to Saigon. This situation emboldened the North Vietnamese, who launched a campaign in March 1975 to take the provincial capital of Ban Me Thuot in the Central Highlands. The South Vietnamese defenders there fought very poorly and were overwhelmed by the North Vietnamese attackers. Once again, the United States did nothing. President Thieu ordered his forces in the Highlands to withdraw to more defensible positions to the south. What started out as a reasonably orderly withdrawal degenerated into a panic that spread throughout the South Vietnamese armed forces. They abandoned Pleiku and Kontum in the Highlands with very little fighting and the North Vietnamese pressed the attack from the west and north. In quick succession, Quang Tri and Hue fell. The communists then seized Da Nang, the second largest city in South Vietnam. Many South Vietnamese, both military and civilian, died in the general chaos while attempting to escape from the airport, docks, and beaches. By this time, the South Vietnamese forces were in flight all over the northern half of South Vietnam. The North Vietnamese continued to attack south along the coast, overrunning city after city, methodically defeating the South Vietnamese forces. By April 27, the North Vietnamese had completely encircled Saigon and began to maneuver for their final assault, which became known as the "Ho Chi Minh Campaign." By the morning of April 30, it was all over. As the North Vietnamese tanks broke through the gates of the Presidential Palace in Saigon, the Vietnam War came to an end.
    1975 - "Tommy", the film based on the rock opera by the group, The Who, premiered in London.
    1976--- Riding near the scene of a multi-car pileup in Memphis, Elvis Presley jumps out of his limo, displays his honorary police captain's badge from the city, and attempts to help the victims before police and rescue teams arrive.
    1977--- Daryl Hall and John Oates' "Rich Girl" hits #1
    1977-- After thirteen years in Boston, infielder Rico Petrocelli is released by the Red Sox.
    1979-Israeli Prime Minister Menachem Begin and Egyptian President Anwar Sadat signed the Camp David peace treaty, ending 30 years of war between their two countries. The agreement was fostered by President Jimmy Carter.
    1979 - Michigan State and Indiana State met in the all-time highest rated basketball telecast. The NBC coverage earned a 24.1 rating. Indiana State’s unprecedented 33 game consecutive-win streak came to an end as the Spartans of Michigan State won 76-34. A pair of future NBA Hall of Famers played against each other that night: Larry Bird, later of the Boston Celtics, scored 19 points while Magic Johnson, even later, of the Los Angeles Lakers, scored 24 points.
    1979 - No. 1 Billboard Pop Hit: “Tragedy,'' Bee Gees. The song is the fifth No. 1 single in a row for the Bee Gees.
    1980-- Pink Floyd's landmark 1973 LP “Dark Side of the Moon” surpasses Carole King's “Tapestry” as the album with the longest consecutive number one, most successful commercial rock’n’roll album. I it remained on the Billboard chart for more than fourteen years, selling more than 40 million copies worldwide.
    1981---Top Hits
Keep on Loving You - REO Speedwagon
Woman - John Lennon
The Best of Times - Styx
Angel Flying Too Close to the Ground - Willie Nelson
    1983 -a heavy snowstorm struck from eastern Nebraska to southwestern Minnesota. 10 to 20 inches of snow fell. Lyons, Nebraska recorded 24 inches. The 13.3 inches that fell at Omaha, Nebraska set a new record for the heaviest spring snowfall on record.
    1985-Radio stations in South Africa banned all of Stevie Wonder's records after he dedicated the Oscar he had won the night before at The Academy Awards to Nelson Mandela. 
    1988 -20 cities in the southwest reported record high temperatures for the date. Afternoon highs of 73 degrees at Flagstaff, Arizona, 90 degrees at Sacramento, California, 95 at Santa Maria, California, 95 degrees at Los Angeles, California, 99 at Tucson, Arizona, and 100 at Phoenix, Arizona were records for March.
    1988-Michael Jackson squeezed a fourth US number one single out of his album "Bad" with "Man in the Mirror".
    1989 - The "Easter Bunny" brought record warm temperatures to the central U.S. while such records were still welcome. A dozen cities reported record warm readings, including Dodge City, KS with an afternoon high of 88 degrees. Strong southerly winds gusted to 51 mph at Dodge City, and reached 55 mph at Salina KS.
    1989---Top Hits
The Living Years - Mike & The Mechanics
Eternal Flame - Bangles
Girl You Know It’s True - Milli Vanilli
New Fool at an Old Game - Reba McEntire
    1990 - Host Billy Crystal kept us smiling for the 62nd Annual Academy Awards, staged at the Dorothy Chandler Pavilion, Los Angeles. Academy of Motion Picture Arts and Sciences (AMPAS) members voted "Driving Miss Daisy" the Best Picture of 1989 (Richard D. Zanuck, Lili Fini Zanuck, producers). The Best Director Oscar was won by Oliver Stone for "Born on the Fourth of July". Best Actor was Daniel Day-Lewis for "My Left Foot" and Best Actress was Jessica Tandy in "Driving Miss Daisy" (the 80-year-old actress was a favorite to win). Oscars for Actor and Actress in a Supporting Role went to Denzel Washington ("Glory") and Brenda Fricker ("My Left Foot"), respectively. Best Music/Song winners were Alan Menken (music), Howard Ashman (lyrics) for "Under the Sea" from "The Little Mermaid". You’re probably still humming this tune from that full-length animated film from Walt Disney Studios. Other popular 1989 films that were honored as nominees or winners include: "Field of Dreams"; "Indiana Jones and the Last Crusade"; "Back to the Future Part II"; "Lethal Weapon II"; "Batman"; "Dead Poets Society"; "When Harry Met Sally"; and "Sex, Lies, and Videotape".
    1993- Louis V. Gerstner, Jr., was officially named chairman and chief executive officer of IBM, effective April 1. Gerstner, former president of American Express and chairman of R.J.R. Nabisco, was the first chairman to come from outside IBM.
    1996 - The 68th Annual Academy Awards show was held at the Shrine Auditorium, Los Angeles. Actress/comedienne Whoopi Goldberg was the hostess. The Best Picture (of 1995) was "Braveheart" (Mel Gibson, Alan Ladd Jr., Bruce Davey, producers). Mel Gibson also won the Oscar for Best Director ("Braveheart"). The Best Actor was Nicolas Cage for "Leaving Las Vegas". The Best Actress award went to Susan Sarandon for "Dead Man Walking". Best Supporting Actor was Kevin Spacey for "The Usual Suspects" and Best Supporting Actress was Mira Sorvino for "Mighty Aphrodite". The cartoon "Pocahontas" was a winner in the tunes categories: Best Music/ Original Musical or Comedy Score to Alan Menken, Stephen Schwartz and Best Music/Song: Alan Menken (music), Stephen Schwartz (lyrics) for "Colors of the Wind" from the animated film.
    1996 - The International Monetary Fund approved a $10.2 billion loan for Russia to help the country further transform its economy. 
    1996- A day after CompuServe's WOW service for families started, H&R Block announces its plans to sell off a large stake of CompuServe in a public offering. The IPO in April sold off about 17 percent of the company. Block's plans to rid itself completely of CompuServe, however, would be stymied by the failure of the WOW service and the increasing struggles of proprietary online services to hold onto their membership despite the growing appeal of the World Wide Web. In February 1998, H&R Block sold the company to WorldCom, which then sold most of CompuServe's Internet businesses to America Online.
    1997 - The bodies of 39 members of the Heaven's Gate cult were found in Rancho Santa Fe, California, after killing themselves in a mass suicide. They said they hoped they would join aliens following the Hale Bopp comet.
    2000 – 72nd Annual Academy Awards, Dorothy Chandler Pavilion in Los Angeles. "American Beauty", captured Best Picture (producers: Bruce Cohen and Dan Jinks) at the 72nd Annual Academy Awards presentation, hosted by comedian Billy Crystal. The picture, nominated in eight categories, received four more Oscars: Best Director (Sam Mendes), Best Actor (Kevin Spacey), Best Original Screen Play (Alan Ball), Best Cinematography (Conrad L. Hall). Although Hilary Swank received the award for Best Actress in "Boys Don’t Cry". Annette Bening, who was nominated for her performance in "American Beauty", gave birth to her fourth child, a girl, sixteen days after this Oscar ceremony, and congratulated her husband, Warren Beatty, who was presented with the Irving Thalberg Award for his career as a movie-maker. Angelina Jolie, received the Best Supporting Actress award for her role in "Girl, Interrupted". Michael Caine gave the most beautiful acceptance speech of the night (Best Supporting Actor: "The Cider House Rules"). The film, a seven-time nominee, also won for Best Screenplay Adaptation (John Irving). "The Matrix" was also a big winner (Best Film Editing: Zach Staenberg, Best Sound: David E. Campbell, David Lee III, John T. Reitz, Gregg Rudloff; Best Sound Effects Editing: Dane A. Davis; Best Visual Effects: Steve Courtley, John Gaeta, Janek Sirrs, Jon Thum). Costumes (Lindy Hemming) and makeup (Christine Blundell) in "Topsy-Turvy" earned the film two Oscars, while the statuette for Best Art Direction was presented to Rick Heinrichs and Peter Young for "Sleepy Hollow". Phil Collins captured the Oscar for Best Original Song: "You’ll Be in My Heart" ("Tarzan")
    2000-- In 17.6 seconds the Kingdome is demolished into a mound of rubble over 65 feet high thanks to 21.6 miles of detonation cord and 5,800 holes filled with gelatin dynamite.

NCAA Basketball Championships This Date

    1946 Oklahoma A&M
    1949 Kentucky
    1952 Kansas
    1973 UCLA
    1979 Michigan State



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