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Regional Sales Managers

To establish small ticket vendor programs in major metro areas. Excellent compensation/ benefit package. View job description. Send resumes to

Company Description:
Irwin Commercial Finance (NYSE: IFC) is a true direct lender and in the ever changing leasing environment, we bring stability, creativity and consistent customer service levels to our business

Wednesday, March 28, 2007


Archives— March 27 & March 28, 2000
Security Financial/Flex Leasing
    Classified Ads—Sales
        Don Polfliet is back in leasing!
            More Leave GE (Medical)
AdvanceMe not a Leasing Funder
    Classified Ads---Help Wanted
        Broker/Lessor--Five Point Capital-up-dated
Story Credit List---Team Funding Solutions
    Fasano becomes a CLP
        Marlin Leasing to become a bank?
National Vehicle Leasing Assoc. Conf. June 6th
    Sales makes it Happen-by Linda P. Kester
    “Best time to reach a client” “Time Management”
        ELFA new direction in Code of Ethics
Financial Fed. Increases Share Repurchase Program
    Richard Doherty joins Merrill Lynch Capital
        Greenspan helped create subprime mortgage mess
Yahoo to Offer Unlimited E-Mail Storage
    Sales hit 20 million in Vista's first month
        News Briefs---
You May have Missed---Airplane Art
    California Nuts Brief---
        Sports Briefs---
    "Gimme that Wine"
Calendar Events
    Snapple Real Facts
        Today's Top Event in History
    This Day in American History
Spring Poem
        Daily Puzzle

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


Archives— March 27 & March 28, 2000
Security Financial to Close San Jose Office, Get out of Leasing Business

Security Financial---This company ended their application business in March, 1998. Ken Studer, veteran of Atlantic Financial, among many other companies, took early retirement, and is about to move to his ten acre ranch in Turlock. Len Sampaio, in the business 35 years, the last 27 with Security, is going to take early retirement and the San Jose office will close. Most of their recent business has been either real estate loans or leases secured with real estate. Security Financial will continue in the real estate loan business from their main office in San Francisco.

FlexLeasing ( Griffin & Associates ) Closes Their Doors
"After twenty years in the military and nineteen years in leasing, it's time for me to retire," Chuck Griffin, president of FlexLeasing, Albuquerque, New Mexico told Leasing News.
The company was planning to merge, but an investor backed out, Griffin said. His bank had merged with another and the warehouse line was gone. There are a number of loose ends, including advance rentals and other issues, he is trying to work out. He states there is no money left, and to add injury to this madness, is also in the middle of a divorce proceedings with his wife.
“Who needs all this headache,” he said. “ I'm getting out of here and taking early retirement."



Classified Ads—Sales

Note: Leasing News is in the process of contacting all those in the “help wanted” ad section to verify that their e-mail is still working, that their ads are still valid, and asking them also if they want to change their copy or add additional information.
This is done every 45 days. editor

Sales: Bakersfield, CA
I have an extensive sales and management background in equipment leasing. My work history exhibits my major strength in small ticket equipment leasing.
Sales: Compenhagen, Denmark
10 years of experience as VP Europe, Middle East and Africa for a US based Equipment Leasing Company. $500,000 plus w/ excellent connections European shipping lines/ maritime financing.
Click here .
Sales: Dallas, TX
17 years of experience in vendor sales. Solid book of business. Can hit the sales ground running in Dallas/Ft. Worth. Can Start ASAP
Sales: Denver CO
Experienced Equipment Leasing Broker looking for a in house leasing company. Can bring a book of business with me or develop new territory where needed.
Sales: Detroit MI
Motivated self-starter w/5 yrs sales exp. IT leasing. Excellent communicator w/strong negotiation/biz dev. skills. Six-sigma certified w/ Fortune 50 company/book of business.
Sales: East Central FL
20+ years experience in all areas of leasing; sales, credit, operations, syndication. Currently independent seeking position with direct middle market lender in regional capacity
Sales: Fresno CA
Account Exec/Manager. 7+ years Leasing Sales: underwriting/contract, complex transactions, hi-tech, government, direct & vendor leasing. Captive & syndicator environments. Expert deal closer. Will send resume.
Sales: Greensboro, NC
Seeking direct & broker sales w/major finance companies in NC or southeast market. Small to mid-ticket range. Stable &family oriented. Will have series 6,63,65 license shortly.
Sales: Henderson, NV
Formally trained in Credit, Collections, & Sales with regional bank. Seeking sales or sales management.
Over ten years
in SM, vendor and end user.
Sales: Kansas City, MO
20 years Senior Sales/Management experience in small ticket/government leasing. Program Management experience, managing 12
Reps. Credit Auth to $50K. Success in soliciting and maintaining accounts.
Sales: Los Angeles CA
5 years experience structuring off-balance sheet finance solutions on computer and medical equipment. Perform detailed competitive analysis and market research. I uncover leads and sell.
Sales: Midsouth, TX
Lease Veteran-25+ years, heavy Vendor experience looking for new opportunity in MidSouth/SE. Experience in leasing to major accounts in high- tech/computers/Golf/transportation.
Sales: Mission Viejo, CA
Account Sales Executive with 10 years of leasing experience looking for company to bring existing customer base.
Sales: Montgomery, AL
Individual with 10 years advertising sales exp. & 7 years insurance sales exp. Wants independent contractor situation in Alabama.
Work with leasing company or broker.334-281-5200
Sales: Nashua, NH
10+ years sales experience small & mid-ticket hi-tech & telecom in a captive and vendor environment. Seeking new sales opportunity in New England.
Sales: Newport Beach, CA
Direct sales rep. in the middle market w/22 years experience  various types of equipment. Leasing/ financing from medical equip. to
mfg. equip.. Strong closer.
Sales: North Carolina, Central
7 yrs.equip leasing &finance; specialist in heavy construction equip for 2-top-5-specialty finance/lease companies, NC &VA territories. $10-15MM annual funding. Downsized in 2002, now independent broker with varied customer base.
Sales: Philadelphia , PA
Seeking an open opportunity to advance in the automotive, commercial leasing & finance industry.........
Sales: Philadelphia, PA
25 years in Healthcare and seeking an opportunity to represent a lender for dental/medical funding in the Northeast to Mid-Atlantic states.
Sales: Portland, OR.
"Exp. In direct sales and sales mgmt.
I love Portland, but decent here jobs are few. Willing to be re-located, would like to work
for you.
Sales: Prairie Village, KS
Have substantial deal flow and database of broker referral sources. Generated and closed over $22M LY. Seeking exclusive relationship w/direct founder.
Currently employed Vendor Program “Hunter”, with complex program development experience. Also skilled at program management. Technology to yellow iron assets. Extensive national rolodex.

Sales: San Francisco Bay Area, CA
15+ yrs--mid mkt. $500M to $10.0MM. Seeking role w/ captive or global leasing firm. large book to bring with me! Debt, tax, 1st amendment, etc.

Sales: San Francisco Bay Area, CA
20 plus years experience in small ticket and middle market, mostly vendor driven business; specialist in manufacturing, hi-tech & medical. Excellent analytical and marketing skills.
South Central US
TX, OK, KS & AR Territory.
Equipment finance and leasing professional, 20 years experience. Top producer in middle to upper middle markets. Extensive customer base.

These job-wanted ads are free. We also recommend to both those seeking a position and those searching for a new hire to also go to other e-mail posting sites:

In addition, those seeking employment should go to the human resource departments on company web sites for funders, captive lessors, and perhaps “broker-lessors.”

To place a free “job wanted” ad here, please go to:

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



Don Polfliet is back in leasing!

“I’m thrilled to be back in the leasing business, “Don Polfliet, President of Falcon Leasing, St. Cloud, Minnesota said.

Many readers may not know Don Polfliet, who worked his way up the sales ladder, was very active in several leasing associations, and became the head of Lyon Financial, who owned Manifest Leasing.
When US Bancorp bought Lyon, he left:

   July 1, 2002, Leasing News
“After leaving Lyon Financial Services, Don Polfliet relocated to St Cloud, MN and went to work for EMR Innovation Software. As a side note, Don Polfliet and Troy Molitor were not the only people to either leave voluntarily or be severed after US Bancorp purchased Lyon Financial Services from Schwan’s Sales Enterprises. The list includes:
“Don Polfliet        President, COO, Lyon Financial
John Marshall      CFO
Chris Bills           General Manager Secured Funding Group
Jim Acee           General Manager BCL Capital IT Solutions Group
Harold Orcutt     General Manager Synergy Resources
Greg VanDeWalker    General Manager Universal Leasing, Inc.
Phil Buysse        Senior Vice President of Marketing/General Manager Vertisar
Troy Molitor       General Manager The Manifest Group”

Polfliet spent five years developing a sales force for the software developer. His original employment agreement was for five years. In September, he left, working on starting a leasing company primarily for software and technology. He wanted it to be vendor driven. He said he knew how to “talk the talk and the pains of software vendors.”

Along with a partnership and backing from the founders of Falcon National Bank, Foley, Minnesota, January 3, 2006 they formed the enterprise, opening their doors with six employees on March 1, 2007. They have plans to hire four more with a goal of 30 to 40 employees in five years.
While Polfliet has much experience with broker business, his emphasis will be on vendor generated software and IT products. He understands this niche, he and his partners have set the goal, and he looks at this as something he has wanted to do all his professional life.

A web site is under construction, but those who wish to wish Don congratulations, can reach him at



More Leave GE (Medical)

Brian Cody (medical) left on Friday....he originated $20 million a year
Galen Busse (medical) and Mike McGinn (dental) have already left...
In excess of $150 Million in originations have left since GE bought HPSC.

(name with held )



AdvanceMe not a Leasing Funder

by Christopher Menkin

The headline in the leasing trade publications, and leasing association websites on February 28th:
"UAEL Recognizes AdvanceMe As Cash Advance Funding Source."

Even the Equipment Leasing and Finance Association "ELTnews" ran the same story on March 12, 2007 with the United Association of Equipment Leasing Association “recognize” declaration.

During this time Leasing News learned that "recognize" meant that the leasing associations accepted their membership as a "funder," rather than a "broker/lessor" or "service provider," or other category. Spokesmen for three leasing association said their organization does not "endorse" or "promote one member over another." Nor do they “certify” or “approve” a company as a “funder.” The fact that a funder pays a higher membership fee appeared to be the deciding factor.
None of the three wanted to go on the record.

In attempting for an interview with Mr. Thomas Burnside, CEO of Advance Me, Lauren Shankman, their public relations representative, told Leasing News that the company does not do any equipment leasing at all, nor are they contemplating that. Through a "loan," they basically advance on credit card charges and pay a referral fee to those who provide customers. It is also similar to factoring as they do not run credit on the party receiving the money, nor require a company or personal guarantee. It is based soley on the credit card receipt history of the company.

Their Better Business Bureau report was clean, stating they have 125 employees. Their web site "" has a list of testimonials. Leasing News contacted them and found they were not only very pleased with the service, but were happy to recommend them. Mark Gailey purchased KC Computers in the small Northern California gold country town Sutter Creek and was responsible for paying off the remaining payments of the loan, he thought was 21% of the money advanced from the credit cards. He thought if sales went down one month, or he needed to purchase items, the convenience and the experience he had with AdvanceMe, he would utilize their service, and recommends them highly to others.

The web site states: “AdvanceMe, Inc. is a wholly owned subsidiary of Capital Access Network, Inc., a merchant cash advance funder.

“Turn future credit card sales into CASH, today!
AdvanceMe, Inc. (AMI) gives you access to working capital without the headaches of a bank loan. Our application is easy to complete and we have the strength to make decisions quickly.

“Since 1998, AMI has provided almost $750 million to more than 15,000 businesses in all 50 states.

“They give an advance on credit card purchases as a form of a loan with a minimum of credit card volume of $1,700.00 per month, although their web site states $6,000 a month will get a loan:

Here is a list of their other services:

Better Business Bureau Report:



Leasing Industry Help Wanted

Account Executive

Account Executives

Boston, Cleveland, Detroit, St. Louis,
SF Bay Area

Top position to work with CFOs, CIOs, CEOs and other high-level executives. 7+ years equipment leasing exp. Resume/indicating you saw ad in Leasing News to:

About the Company: We're the exclusive provider of leasing and finance services for Dell technology systems worldwide. At Dell Financial Services our mission is to deliver financing solutions that enable and enrich the Dell Customer experience.

Assistant Manager

Assistant Manager
San Francisco, California

Excellent opportunity to work with growing equipment leasing bank division, excellent reputation. Click here for more information.

First Republic Bank has offices in the San Francisco Bay Area, throughout California, and in Portland, Seattle, Las Vegas, Boston and New York.

Regional Sales Managers

Regional Sales Managers

To establish small ticket vendor programs in major metro areas. Excellent compensation/ benefit package. View job description. Send resumes to

Company Description:
Irwin Commercial Finance (NYSE: IFC) is a true direct lender and in the ever changing leasing environment, we bring stability, creativity and consistent customer service levels to our business

Small Ticket Specialists

Three Small Ticket Specialists

Ft. Lauderdale, FL, Nashville, TN, and
Richmond, VA.
Click here for more information.



Broker/Lessor--Five Point Capital-up-dated

Five Point Capital has grown to 160 employees, according to their latest press release. The co-founders of the company (both “Co-CEO”) are in the news often, primarily due to their active public relations campaign, winners all types of awards and listed on their web site as 82nd on the Inc. 500 list of fastest growing companies.

It was Pat Byrne, co-founder and now entrepreneur of Balboa Capital, Inc., who first said upon hiring a salesman, “the first year we lose money of most of the salesmen we hire; the second year, if they stay, we break even; the third year we make money, and the fourth year, they go into business for themselves and compete with us.”

This is true of Five Point Capital where David Gilbert came from Balboa, as Orange County and Southern California have many ex-Balboa salesmen operating their own enterprises.

Balboa Capital has been a college for many young people, creating many Balboa Capital alumni, perhaps one of the reasons Byrne decided the need to create a broker division. It was also good competition for his own inside sales personnel. It also moved the company into a more sophisticated operating software program and defined the mission to enter the middle ticket market place, without giving up the small ticket arena.

Here you have Balboa Capital at 150 employees, according to their web site fact sheet,
and Five Point Capital at 160.

"Broker/Lessor" List

Third Column: YES - Year Company Started | YELB - Years in equipment Leasing Business

A - City Business License | B- State License | C - Certified Leasing Professional |
D - State(s) sales/use tax license |
E -
Named as "lessor" on 50% or more of lease contract signed. |

City, State
Leasing Association
(see above for meaning)
# of Empl.
Geographic Area
Service Organization

Five Point Capital, Inc.
San Diego, CA
David Gilbert, Co-CEO
Mr. Dan Feder, Co-CEO

$5,000 to $100,000

To view the complete list, please click here.

Balboa Capital fact sheet:



Story Credit List---Team Funding Solutions

The company recently changed its name to promote “100% dedication to creating funding solutions for the broker community”

Ted Reynolds, president said, ““TEAM Funding Solutions only receives business from leasing brokers and believes in helping business owners with weaker credit realize their business dreams.”

“Since 2002 TEAM has worked with over 450 leasing brokers and supported organizations like the Eastern Association of Equipment Lessors, National Association of Equipment Leasing Brokers
and United Association of Equipment Leasing, “he said.

TEAM describes itself as a “C-credit funder that provides a unique alternative to credit scoring. We fund new business start-ups and older businesses with weaker credits by rolling up our sleeves to understand ‘their story’. Leases are approved and funded based on common sense, the lessee's potential for positive cash flow, and the broker's input.”

Along with the name change is a “new user-friendly website:”

“This new website provides improved tools to fund leases as well as tips on how to work with Vendors and Lessees, “Reynolds said.
“We are very excited about TEAM’s position in the C-credit market place and look forward to continued prosperity with the broker community.”

Story Credit Lessors - Update

Business Reports:
- Better Business Report | CBB - Leasing News Complaint Bulletin Board
| CNI - Current News Information

In Business Since
Leasing Association
Business Reports
TEAM Funding Solutions
Whitney Oldfather
888.457.6700 x109

All 50 States
$5,000.00 - $65,000.00

(Z) "We’ve changed our name from TEAM Equipment Leasing to TEAM Funding Solutions. Our funding range has changed as well and is now $5000-$70,000. My email is now and our website is TEAM Funding Solutionsis a structured lender for brand new businesses or for older companies with previous credit problems. We do not credit score. The secret to producing an approval for C-Credits starts with interviewing your customer." Broker Qualify - Click here for Broker Enrollment Form.

To view the complete list, please click here.




Fasano becomes a CLP

The Certified Leasing Professional Foundation is very pleased to announce the addition of another new Certified Lease Professional. The Foundation Board of Directors asks Leasing News readers to congratulate Steven E. Fasano for completing the CLP Program and successfully passing the
CLP Exam.

Steven E. Fasano, CPA, CLP

Steven E. Fasano is Vice President and Chief Financial Officer of OCE Financial Services, Inc. (OFSI), which offers customized leasing and acquisition programs. Based in Boca Raton, FL., he has responsibility for primary accounting, internal and external reporting, treasury, budgeting and
financial analysis.

He was previously Chief Financial Officer of the DDS division. Steve holds a Master's degree in accounting from Adelphi University and is a CPA. He came to Oce from Siemens Corporation, which he joined in 1980 as Controller and later become Vice President of Siemens Telecom Networks. Since 1998, Steve has been Vice President and Chief Financial Officer of Oce Printing Systems and in 2004 the DDS division. He reports to Stuart Schulein, President of Oce Financial Services, Inc.

For information about OCE, please go here:

The CLP Foundation is the official governing body for the Certified Lease Professional ("CLP") Program. The CLP designation sets the standard for professionalism in the leasing industry. This designation identifies and recognizes individuals within the leasing industry who have demonstrated their competency through continued education, testing and conduct.

For further information about the CLP Mentor Program and Anonymous Test Taking Program, please contact Cindy Spurdle at 610/687-0213 or

Why I became a CLP series:



Marlin Leasing to become a bank?

Marlin Business Services Corp. (Nasdaq: MRLN) announced that it has received correspondence from the Federal Deposit Insurance Corporation (FDIC) approving the application for FDIC deposit insurance made by Marlin’s proposed Utah Industrial Bank (Marlin Business Bank), subject to the conditions set forth in the Order issued by the FDIC.

One of the reported purposes is for its “factoring” enterprise.

Marlin is allegedly looking for both a president and a new manager for its “factoring division. “ The company announced that its management team ( Dan Dyer, Lynn Wilson and George Pelose) are “ the process of reviewing and analyzing the conditions of the approval to understand their impact on the proposed bank and Marlin’s overall operations.”

The FDIC’s Order, the conditions of the approval and other related documents will be available on the FDIC’s website at

In the meantime, the selling of company stock by Dan Dyer is still under criticism by many Leasing News readers:

“Many companies have taken advantage of the markets recent downturn to buy back stock at discounted rates. What does Dan Dyer, Marlin Leasing’s CEO think of the current value of Marlin’s stock?”


Marlin Business Services Corp. (MRLN






Marlin Business Services Corp. (MRLN




Automatic Sale at $21 per share.


Marlin Business Services Corp. (MRLN




Sale at $20.57 per share.


Marlin Business Services Corp. (MRLN




Automatic Sale at $21.75 per share.


Marlin Business Services Corp. (MRLN




Automatic Sale at $21.88 per share.


Securities Exchange Commission

“Clearly not much, Mr. Dyer has accelerated his selling, even as the stock has gone down in price. Mr. Dyer has made over $110,000 in sale of Marlin Stock already this month. Annualized, we are talking about over $1.2 million dollars per year, in addition to his salary. We are not trying to be negative here. Just stating the facts. By the way if you would have bought Marlin’s stock 2 years ago and held it. You would have made how much?


Leasing News has continually asked the officers of Marlin Business Services for a comment, to present their side of the story, but they state they only will speak through the Security Exchange
Commission filings. No other public comments will be made.

Credit Analyst
Irvine, California

Southern California candidates only--Minimum two years experience with leasing credits, $40-$45K base depending on experience.
Call or e-mail: Pamela Stuber 800-234-0136 ext. 243

About Us: As a leader in equipment financing we have created funding partnerships with a wide variety of financial institutions and specialized credit facilities. This diversity allows us to be a complete funding partner for your business.



National Vehicle Leasing Association
Annual Conference & Exposition 2007

June 6th - June 9th, 2007
The Venetian Resort Hotel Casino
3355 Las Vegas Blvd. South
Las Vegas, NV 89109

Brochure, to enlarge the information on the pages, increase the size of the page on your tool bar:

To see a brochure for this event, click here.




Sales Make it Happen

by Linda P. Kester

"Best Time to Reach a Client"

This is from Linda Kester book to be published in April by It is designed to not only be a reference, but a "daily reminder." Some of the subjects are a few paragraphs, some are longer, such as this one on how to win back your vendor. These articles are from her first draft, and some of the titles and copy has changed in the final revision.


According to the American Telemarketing Association, you have five x's better chance of reaching your prospect over the phone between 9 and 10 am their time than any other time of the day.

Furthermore, research shows that you are twice as likely to close a prospect that you see or call on at the end of days, after your "last call", then at any other time. Maybe it's because you are relaxed or in good mood because you are done working. So when you're all done for the day, make one more call. It might be your best.

One caveat, sometimes high-level folks (who have someone else answering their phone) are best contacted early in the morning, late at night, or even on a Saturday. These are times when their administrative assistant is not working and you can often get the person on the phone directly.

"Time Management"


7 powerful strategies you can use to control your time.

Making good use of time is a key skill. But it's also one of the toughest to learn. Here are seven powerful time strategies:

  1. Plan your sales time precisely. "Sales time" means when you're face-to-face with customers. It's the defining moment of your job. Planning for the most effective use of that time will improve the way you interact with your customer.
  2. Make food use of uncontrollable downtime. Sometimes your days is turned upside down through no fault of your own. Maybe you drove an hour to keep an appointment, only to find the prospect called in sick and nobody told you. All at once you're confronted with "uncontrollable downtime." The first temptation is to waste that time. Better: Be prepared. In your briefcase, carry literature about that new products, the quote you need to finish or the paperwork your boos is waiting for.
  3. Prioritize your activities every day. You're bombarded with things to do, and it's easy to let others' demands shape your day. Control those temptations and interruptions by creating a priority list every day. Then stick to the list.That way you have a clear choice between working on your agenda or everyone else's.
  4. Constantly rate your effectives. As a straight-commission salesperson, a couple of habits served me well. One was asking myself this question several times each day: "Am I doing the most effective thing right now?" I can't tell you how many thousands of times my answer was "No." I had to change what I was doing and do something more important. My second habit is to always do that which is hottest first. "Hottest" means closest to the money-that task which is most likely to bring cash through my company's doors.
  5. Cluster similar tasks. If you have 10 calls to make, don't do two now, three later and then five this afternoon. Make them all at once. That reduces the time you will spend transitioning to the next task.
  6. Create systems for routine tasks. Every day, you fill out expense reports, create reports, file invoices and review back orders. Handle those tasks more effectively by creating a system. For example, if you have to fill out a weekly expense report, fill out the form at the same time of the week, in the same palace. It's mindless task, so do it mindlessly.
  7. Don't treat everyone the same. Some accounts need more attention than others. That's obvious. But developing a workable daily routine is something else. Some accounts need a visit from you every six months and a phone call once a month. Others need two visits a week. It's OK to use the telephone, fax or e-mail to keep in touch with low-volume accounts. Invest your time in appropriate ways for the potential of each account you have. Choose an appropriate strategy.

Linda Kester helps leasing companies increase volume. For more information, visit: Questions, contact:

Imagine--a tip a day! Great to energize sales and marketing professionals, as well as discuss/brainstorm at sales meetings.

Advance order available at
order form:


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

Equipment Leasing and Finance Association

Institutes Broad Reach of New Code of Fair Business Practices

Establishes Jurisprudence Process to Uphold Ethical Business Practices;

Requires Members to Review Code

Arlington, VA—— The Equipment Leasing and Finance Association (ELFA) Board of Directors, having approved a new Code of Fair Business Practices (Code) for the industry in October, has implemented a broad outreach program that will now require members to review and acknowledge the Code.

Effective immediately, every ELFA member employee with access to the Members Only section of the website will be asked to acknowledge that they have reviewed the Code as a condition of access. This will be accomplished by a check-off process as part of logging in. This once-annual acknowledgment underscores the ELFA leadership’s commitment to the Code. A copy of the Code will be mailed to every ELFA member company and been posted on the ELFA website at

“This milestone further underscores our membership’s belief that the industry should be a robust voice to represent and uphold fair and honorable business practices by actively requiring review and acknowledgement of the Code to the broadest extent possible to accomplish those beliefs. The Board of Directors adopted the Code of Fair Business Practices in October 2006, following many months of work by a specially created task force led by ELFA Chair-Elect, Laird M. Boulden,” said ELFA president Kenneth E. Bentsen, Jr.

“As a mature and transparent industry functioning at a high level in the financial markets, it is vital that we set a high level of ethics and standards and facilitate active member participation through the broadest possible outreach. The Code establishes ELFA's jurisprudence process to resolve complaints related to the Code in order to uphold the business practices we believe should be the industry standard,” said Laird M. Boulden, President & CEO, RBS Asset Finance Inc. and ELFA’s Chair-Elect.

Although the EFLA has had a Code of Fair Business Practices in place for 31 years, this is the first year that ELFA has acted to institute a process of member acknowledgement.

About the Equipment Leasing and Finance Association

The Equipment Leasing and Finance Association (ELFA) is the trade association representing financial services companies and manufacturers engaged in financing the utilization and investment of/in capital goods. ELFA members are the driving force behind the growth in the commercial equipment finance market and contribute to capital formation in the U.S. and abroad. Its over 750 members include independent and captive leasing and finance companies, banks, financial services corporations, broker/packagers and investment banks, as well as service providers. For more information, please visit

The ELFA is also the premier source for statistics and analyses covering the equipment finance sector. To access ELFA's comprehensive industry information, please visit


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

Financial Federal Corporation Increases Share Repurchase Program

NEW YORKFinancial Federal Corporation (NYSE: FIF - News) today announced its Board of Directors authorized a $30.0 million increase in the Company's common stock and convertible debt repurchase program. With today's increase, $33.8 million is available under the program.

The Company resumed the program earlier this month, and has repurchased 614,000 shares of its common stock for $16.2 million during the month. The Company may repurchase its common stock and convertible debt at times and prices the Company considers appropriate based on market conditions. The Company currently has 26.9 million shares of common stock and $175.0 million of convertible debt outstanding.

Financial Federal Corporation is an independent financial services company specializing in financing construction, road transportation and waste services equipment through installment sales and leasing programs for dealers, manufacturers and end users nationwide. For more information, please visit


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

Richard Doherty joins Merrill Lynch Capital as
National Sales Manager for the Equipment Finance group

Rick Remiker, Managing Director and Group Head of Merrill Lynch Capital Equipment Finance, is pleased to announce that Richard Doherty has joined Merrill Lynch Capital as Director and National Sales Manager for the Equipment Finance group. Mr. Doherty assumes national responsibility for the group's direct sales and sales management infrastructure focusing on large-ticket single-investor leases and structured secured debt transactions and will be based in New York. Mr. Doherty has over 25 years experience in sales and sales management roles most recently spending eight years with Bank of America Leasing and its predecessor organizations Fleet Capital Leasing and BankBoston Leasing. Prior to that, Mr. Doherty had served in a variety of roles within the Equipment Finance, Project Finance, Structured Finance and Capital Equipment divisions at The CIT Group, Inc. Mr. Doherty holds a MBA from the University of Pittsburgh and a B.A. degree from Bethany College. Mr. Doherty is a member of the Equipment Leasing Association.

Merrill Lynch Capital is a leading commercial finance business providing a broad range of structured financing solutions to middle market companies nationwide. Based in Chicago and with regional offices throughout the country, Merrill Lynch Capital is focused on four market segments—corporate finance, equipment finance, healthcare finance and real estate finance.

The Equipment Finance Group of Merrill Lynch Capital provides flexible structured financing and leasing solutions up to $100 million to public and private corporations in need of equipment throughout a broad cross section of industries


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

News Briefs----

Greenspan helped create subprime mortgage mess

Yahoo to Offer Unlimited E-Mail Storage

Sales hit 20 million in Vista's first month

Los Gatos Netflix founder named to Microsoft's board

S&P housing index shows housing prices fall in January year-over-year, worst since 1994

Home builder Lennar's profit slides 73%; new orders down 27%

Pianalto says Fed worries inflation may not subside as expected

Carmakers make last dash for premiere at New York auto show

Paulina Porizkova exits 'Dancing'



You May have Missed---

Airplane Art



Sports Briefs----

Gore agrees to four-year extension

NFL replay is here to stay



California Nuts Briefs---

Gov. Arnold Schwarzenegger will increase six-figure paychecks for top state executives

S.F. Leaders OK Plastic Grocery Bag Ban



“Gimme that Wine”

U.S. Consumer Direct Wine Shipments Reach Record $1 Billion in 2006

Three wineries seek to ship straight to Kentucky buyers

San Francisco Bay Area Urban Wine Tours

Bay area wine keeper pleads not guilty to setting warehouse fire

Wine Prices by vintage

US/International Wine Events

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



Calendar Events This Day

Black Forest Cake Day

Czech Republic: Teachers’ Day
Celebrates birth on this day of Jan Amos Komensky (Conmenius). Moravian educational reformer (1592-1671)

Hot Tub Day

Libya: British Bases Evacuation Day
National holiday. Commemorates the closing of British bases on this day in 1970.

Respect Your Cat Day

Saint John Nepomucene Neuman
Anniversary of the first male saint of the US. Born at Prachatice, Bohemia, came to the US in 1836. As bishop of Philadelphia, he was affectionately known as the “Little Bishop.” Died at Philadelphia, PA, January 5, 1960. Beatified October 13, 1963. Canonized June 19, 1977

Saint Feast Days



The center of some golf balls contain honey.

(No, we don’t make these up.

Actually, golf balls today don’t contain honey, nor did they at any scale get in play. So this would technically
not be true, so will count this “real fact” as a number 14 as being inaccurate. It is not accurate to say some golf balls contain honey.

In the development of a standard golf ball, one manufacturer tried various liquids, but it was not popular nor was it ever a standard golf ball:

In 1908 Frank H. Mingay of Berfield, Scotland was granted a U.K. patent for putting incompressible liquids, such as: water, treacle, glycerine, castor oil, honey, mercury and frozen liquid pellets into the center of golf balls. He rationalized that liquid enclosed in the center of a ball would better receive and transmit club head impact energy at a lower loss of total energy. The A.G. Spalding Company also purchased the rights to Mingay patent but did not use it until 1916 when they introduced the "Witch", their first liquid center golf ball. Several other ball makers had put the liquid center ball idea into use by that date.



Today's Top Event in History

1941--Birthday of Ann-Margaret (Olsson) - Swedish-born American actor and singer. She received a 1971 Academy Award nomination for her work in the cult film Carnal Knowledge. Perhaps best known for accompanying Bob Hope and his troupe to military bases during Viet Nam, very popular with the soldiers not just for her looks but for her attention and recognition to them after the war. The story circulating the internet that At a book signing, actress Ann-Margaret autographed a tattered photo presented to her by an ex-G.I. and thanked him for serving his country is true.


This Day in American History

    1788-- Maryland becomes the seventh state in what will become the United States of America. It is named in honor of Queen Henrietta Maria, wife of King Charles I of England.
    1799-New York State abolished slavery
    1811-Saint John Nepomucene Neuman, first male saint of the US. Born at Prachatice, Bohemia, came to the US in 1836. As Bishop of Philadelphia, he was affectionately known as the "Little Bishop." Died at Philadelphia, PA, Jan 5, 1860. Beatified Oct 13, 1963. Canonized June 19, 1977 
    1834- The Senate passed a resolution sponsored by Senator Henry Clay of Kentucky to censure President Andrew Jackson for his handling of the Bank of the United States, "...assumed upon himself authority and power not conferred by the constitution and laws..." President Jackson on April 1 signed a president resolution against the Senate for censuring him. He succeeded in having them removed from the Senate journal in the following year.
    1848- Ohio became the first state to regulate working hours, fixing the maximum of ten hours per day for women and children under 18 years of age. New Hampshire had set a similar provision in 1847, but had a provision that both parties had to agree, as a result the law was ineffective.
    1862- at Pigeon's Ranch, a stagecoach stop on the Santa Fe Trail (about 19 miles southeast of Santa Fe, NM), Confederate forces briefly prevailed over Union troops in what some have called the most important battle of the Civil War in the Southwest. It was feared that if Union troops failed to hold here, the confederate forces would proceed to Fort Union and on to control of the rich gold fields of Colorado and California.
March 28, 1866 Treaty with Winnebago Indians (1846)
    1881-P .T. Barnum and James A. Bailey merged their circuses to form the "Greatest Show on Earth."
    1882--Birthday of Frances Elliott Davis - U.S. nurse and community leader; broke the color line of the American National Red Cross nursing staff and administration.
    1884 -- Cincinnati townspeople, unhappy authorities had not handed out a severe enough punishment to confessed murderer William Berner, show their displeasure by burning down the local courthouse. The State Militia is called out to restore order; in the ensuing battle, 42 were killed & 128 injured.
    1890-bandleader Paul Whiteman born Denver, Colorado
    1899-August Adolphus “ Gussie” Busch, Jr., baseball executive born at St. Louis, MO. Busch bought the St. Louis Cardinals in 1953 and became one of the most influential team owners. He tied the success of the sport to the growth of his brewery’s sales and took great pleasure in both. Died at St. Louis, September 29, 1989.
    1909 -- Novelist Nelson Algren (A Walk on the Wild Side) born (1909-1981), Detroit, Michigan. Grew up in Chicago in a poor Polish neighborhood, served a four-month jail term for stealing a typewriter. Algren joined John Reed Club & was editor of the New Anvil, an experimental magazine. Heavy drinker and gambler, involved with Simone de Beauvoir. “Never play cards with a man called Doc. Never eat at a place called Moms. Never sleep with a woman whose troubles are worse than your own.”
    1917 - Thane Creek, AK, reported a snow cover of 190 inches.
    1920 - The worst tornado disaster of record occurred in Chicago IL as a tornado killed 28 persons and caused three million dollars damage.
    1921- President Warren Harding names former US President William Howard Taft as chief justice of the United States.
    1922-the microfilm reading device was invented by Bradley Allen Fiske of Washington, DC, who received a patent on a “reading machine.” It was known as a Fiskeoscope and could be carried in the pocket. A 2.5-inch newspaper column was reduced to .025 inches and 100,000 words were contained on a 40-inche tape.
    1923—Trumpet player Thad Jones Birthday
    1926---Birthday of Blossom Dearie, famous jazz supper club style singer, pianist, and recording artist. Her mother, a Norwegian immigrant, also played the piano.
    1926--Birthday of Harper Lee, perhaps best known recently as a close friend of Truman Capote. She wrote only one novel, To Kill A Mockingbird which won the 1961 Pulitzer Prize for Fiction and a cash prize of $500.
It was made into a successful Hollywood movie which won Gregory Peck an Oscar and Best Picture of the Year.
    1934--Birthday of Lopis Duncan - U.S. author, primarily of children's books.
    1941--Birthday of Ann-Margaret (Olsson) - Swedish-born American actor and singer. She received a 1971 Academy Award nomination for her work in the cult film Carnal Knowledge. Perhaps best known for accompanying Bob Hope and his troupe to military bases during Viet Nam, very popular with the soldiers not just for her looks but for her attention and recognition to them after the war. The story circulating the internet that At a book signing, actress Ann-Margaret autographed a tattered photo presented to her by an ex-G.I. and thanked him for serving his country is true.
    1944-“Rick” Barry III, broadcaster and Basketball Hall of Fame forward, born Elizabeth, NJ.
    1945- A record heat wave hit the northeast, bringing temperatures of 90 degrees in Rhode Island and 91 degrees in New York, Pennsylvania and Maryland.
    1950-The City College of New York (CFCNY) defeated Bradley, 71-68, in the title game of the NCAA basketball tournament, thereby becoming the only team to win both that championship and the NIT title in the same year. Ten days before, CCNY had beaten Bradely, 69-61 to win the NIT.
    1951 - No. 1 Billboard Pop Hit: ``If,'' Perry Como.
    1951---Top Hits
If - Perry Como
Be My Love - Mario Lanza
Mockingbird Hill -Patti Page
The Rhumba Boogie - Hank Snow
1957, the first National curling championship competition was held on March 28-30 at the Stadium Club in Chicago, IL, with 10 teams competing. The winner was the Hibbin Curling Club fro Hibbing, MN, which won eight games and lost one.
    1958- Eddie Cochran records "Summertime Blues."
    1959---Top Hits
Venus - Frankie Avalon
Tragedy - Thomas Wayne
Come Softly to Me - The Fleetwoods
Don’t Take Your Guns to Town - Johnny Cash
    1964-Madame Tussaud's Wax Museum in London announces the Beatles will be cast in wax, the first pop album stars to be honored.
    1965 -- Martin Luther King, Jr., on TV calls for boycott buses and trains (I believe) in Alabama. March 21 he and John Lewis of the Student Nonviolent Coordinating Committee (SNCC-we pronounced “snick”- started a five-day civil rights march from Selma to Montgomery, Alabama, with 3,200 marches. Part of this I covered by radio from San Francisco, actually speaking with small town police dispatchers who were surprised that a radio station in San Francisco was interested in the "demonstration," one of the words used. At the end, 25,000 gathered in demonstrations at the front of the state capitol in Montgomery. The police and sheriff, and apparently the majority of the citizens were against Dr. King, Jr. and his followers. There was a San Francisco group from SNCC who also would call from telephone booths at the end of the day. The day before Dr. King, Jr. appeal on television ( not the media it is today primarily due to the technocracy of the day), Viola Greeg Liuzzo, a civil rights worker from Detroit,
Michigan was shot and killed in Selma, Alabama.
    1965- President Lyndon Johnson appeared on television, flanked by FBI Director J. Edgar Hoover and Attorney General Nicholas Katzenbach, and announced the arrests of four Klansmen in connection with the Liuzzo murder. President Johnson stated:
Due to the very fast and the always efficient work of the special agents of the FBI who worked all night long immediately after the tragic death of Mrs. Viola Liuzzo on a lonely road between Selma and Montgomery, Alabama, arrests were made a few minutes ago of four Ku Klux Klan members . . . charging them with conspiring to violate the civil rights of the murdered woman. After naming the arrested Klansmen, the President continued: I cannot express myself too strongly in praising Mr. Hoover and the men of the FBI for their prompt and expeditious and very excellent performance in handling this investigation. It is in keeping with the dedicated approach that this organization has shown throughout the turbulent era of civil rights controversies.
New York Times, March 27, 1965.
One of the arrested Klansmen, Gary Rowe, later surfaced as an undercover FBI informant. Rumors that one of the Klansmen was an informant began to circulate when a federal grand jury indicted only three of the Klansmen, and were confirmed when the informant testified, under heavy guard, before the Alabama grand jury. On Rowe's testimony, the state grand jury returned murder indictments against the three other men who were in the car.
Three criminal trials resulted from the Liuzzo murder: two murder trials in the state courts and one federal conspiracy trial. Only one of the three indicted Klansmen was tried on the murder charge, Collie LeRoy Wilkins. His first trial resulted in a hung jury, and the second in an acquittal. All three Klansmen were successfully prosecuted on the federal charge of conspiring to violate Mrs. Liuzzo's civil rights, and, on verdicts of guilty, each received the maximum sentence.
Gary Rowe testified at all three trials, and related both the background of his involvement with the Ku Klux Klan and the FBI, and his version of the events which took place on March 25. Rowe testified that he was approached by an FBI agent in 1960 or 1961 and was asked to infiltrate the Klan. His duties, he stated, were to "keep up with" any violent actions, and to report to the FBI on the men whom he met in his undercover work.
Note: A book is available on this: The Informant: The FBI, the Ku Klux Klan, and the Murder of Viola Liuzzo

    1967 – “Raymond Burr starred in a TV movie titled "Ironside". The show, about a wheelchair-bound detective, became very popular as a weekly series in the spring of 1967. Burr, known to millions as determined lawyer, "Perry Mason" (a past TV hit), played the part of Robert Ironside in the new show. He was joined by characters, Detective Sgt. Ed Brown (Don Galloway), Eve Whitfield (Barbara Anderson), Mark Sanger (Don Mitchell) and Commissioner Dennis Randall (Gene Lyons).
    1967---Top Hits
Happy Together - The Turtles
Dedicated to the One I Love - The Mamas & The Papas
There’s a Kind of Hush - Herman’s Hermits
I Won’t Come in While He’s There - Jim Reeves
    1968-the controversial rock musical Hair, produced by Michael Butler. opened at the Biltmore Theatre at New York City , after playing off-Broadway. For those who opposed the Vietnam War and the "Establishment," this was a defining piece of work-as evidenced by some of its songs, such as "Aquarius," "Flair" and "Let the Sunshine In."
    1968 - No. 1 Billboard Pop Hit: ``(Sittin' on) The Dock of the Bay,'' Otis Redding. The song reaches No. 1 three months after Redding is killed in a plane crash near Madison, Wis.
    1969 - Joe Cocker played his first American concert. He entertained fans at Billy Graham’s Fillmore East
in New York City
    1970-Crosby, Stills, Nash and Young's "Woodstock" is released.
    1970-Vietname Moratorium Concert: a seven-hour concert at Madison Square Garden at New York City featured many stars who donated their services for the antiwar cause. Among them were Jimi Hendrix; Dave Brubeck; Harry Belafonte; Peter, Paul and Mary; Judy Collins; the Rascals; Blood, Sweat and Tears and the Broadway cast of Hair.
    1971 - No. 1 Billboard Pop Hit: ``Just My Imagination (Running Away with Me),'' The Temptations.
    1973-Wilt Chamberlain retired from the NBA after playing in 1,045 games. During his entire 14-season career, Chamberlain never fouled out.
    1974 - A streaker (i.e.: someone running around naked), ran onto the set of "The Tonight Show starring Johnny Carson". The clever NBC censors decided to blackout the lower half of the TV screen on the videotape to prevent an ‘X’ rating. The streaker was arrested, but released, for "lack of evidence," said Johnny.
    1974- "Hooked on a Feeling" by Blue Swede turns gold. The band's novel version of the BJ Thomas' 1968 song hits Number One next month.
    1974 - The Raspberries split up. The group's biggest hit is ``Go All the Way,'' which went all the way to No. 5 on Billboard's Hot 100 in 1972.
    1975---Top Hits
My Eyes Adored You - Frankie Valli
Lady Marmalade - LaBelle
Lovin’ You - Minnie Riperton
Before the Next Teardrop Falls - Freddy Fender
    1977 – 49th Annual Academy Awards presentation at Dorothy Chandler Pavilion in Los Angeles, hosted by a cast of four (Warren Beatty, Ellen Burstyn, Jane Fonda, and Richard Pryor), "Rocky" collected Oscars for Best Picture (Irwin Winkler, Robert Chartoff, producers); Best Director (John G. Avildsen); and Film Editing (Scott Conrad, Richard Halsey). "Network" hauled in the gold for Best Actor (Peter Finch); Actress (Faye Dunaway); Supporting Actress (Beatrice Straight); and Writing (Paddy Chayefsky). "All the President’s Men" was given awards for Best Supporting Actor (Jason Robards); Art Direction (George Jenkins); Set Direction (George Gaines); Sound (Dick Alexander, Les Fresholtz, Arthur Piantadosi, Jim Webb); and Writing (William Goldman). The Best Music/Song Oscar-winner titles are memorable too: Barbra Streisand (music) and Paul Williams (lyrics) for "Evergreen (Love Theme from A Star Is Born)" from
"A Star is Born".
    1979-Three Mile Island nuclear reactor complex near Middletown, PA sustained a major accident, the first of its kind. Homes in nearby neighborhoods were evacuated after the reactor suffered a loss of coolant and a partial core meltdown caused by a series of equipment failures and human errors.
    1980-although springtime was starting in the Rocky Mountains, the snow just kept on coming! One foot or more of snow fell over portions of eastern Colorado, southwest Nebraska, northwest Kansas and southeastern Wyoming. Winds reached 40 mph and Valentine, Nebraska received 13 inches of snow. North Platte, Nebraska checked in with 15 inches.
    1983---Top Hits
Billy Jean - Michael Jackson
Do You Really Want to Hurt Me - Culture Club
Hungry like the Wolf - Duran Duran
Swingin’ - John Anderson
    1984-With little or no warning, the Baltimore Colts loaded moving vans in the dead of night and left for Indianapolis. Baltimore was left without an NFL team until 1996 when the Cleveland Browns moved there and were renamed the Ravens.
    1985 - Bill Cosby broke more records with "The Cosby Show" on NBC-TV. The program was the highest-rated program of any network series since 1983. "The Cosby Show" became the highest-rated series since 1978 when "Mork and Mindy", starring Robin Williams and Pam Dawber, premiered on ABC.
    1984 -severe thunderstorms in the southeastern US spawned 36 tornadoes which tore paths of devastation across the Carolinas during the afternoon and evening hours killing 59 people and injuring 1248 others. One tornado near Tatum, South Carolina, an F4 on the Fujita scale, was 2.5 miles wide at one point. This outbreak was the worst in the area in 60 years.
    1986 - No. 1 Billboard Pop Hit: ``Rock Me Amadeus,'' Falco. The Austrian singer says he was inspired to write the song about Wolfgang Amadeus Mozart after seeing the movie ``Amadeus.''
    1987 - The second blizzard in less than a week was in progress across the central plains. 16 inches of snow was recorded at Blue Hill, Nebraska and 14 inches piled up at Omaha, Nebraska. 12 to 18 inches of snow was common across northwestern Kansas. Winds gusting up to 70 mph whipped drifts 20 to 30 feet high in some places. The storm took a great toll on cattle as well.
    1989-softball pitchers Cathy McAllister and Stefni Whitton of Southwestern Louisiana performed a feat unprecedented in NCAA history by throwing back-to-back perfect games against Southeaster Louisiana. McAllister won, 5-0, and Whitten struck out 14 to winning 7-0.
    1990 –62nd Annual Academy Awards, staged at the Dorothy Chandler Pavilion, Los Angeles, with Billy Crystal as host. 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".
    1991---Top Hits
One More Try - Timmy -T-
Coming Out of the Dark - Gloria Estafan
This House - Tracie Spencer
Loving Blind - Clint Black
    1992- 1.6 inches of snow fell on this date at Syracuse, New York. This brought the seasonal snowfall total to 162.8 inches which set a new all-time seasonal snowfall record for the location. The old seasonal record was 162.0 inches set back in the winter of 1989-90.
    1996- Williamsport, Pennsylvania recorded .8 inches of snow on this day to bring its seasonal snowfall total to 83.9 inches -- the city's snowiest winter ever.

NCAA Basketball Champions This Date

    1942 Stanford
    1944 Utah
    1950 CCNY
    1977 Marquette



Spring Poem


Winter is gone, just look around and see;
The snow is turning into slush,
Joining the singing river going down to the sea,
And over all there is a mysterious hush.
The soft warm winds are whispering,
"The bride in all her finery will soon be here!"
The bride (we call her Spring) — she's frolicking
Over the landscape, without fear.

She laughs at the trees' bare limbs
Till they tremble and call forth their leaves
To make a dress so green and trim,
Then joyfully they sway with the breeze.

The flowers sleeping beneath the ground
Awake and send up their blossoms to hear,
Then coquettishly join with the singing birds all around,
Acclaiming, "Spring is here, Spring is here!"

Bee Samann
“Easy Reading Poems”
Vantage Press, NYC




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