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Interviewing Leasing Professionals With Proven Track Record and Established Book of Business.
Envision Provides: 1) Monthly Base Salary 2) Established Funding Sources 3) Fun Working Environment 4) Full Benefits (Health Insurance, 401k)
5) Aggressive Commission Structure.
Resumes To:, Contact: Jeff Edwards (949) 225-1712

Envision Capital Group is dedicated to providing the best in class products and service to our employees, customers, vendors and partners in the small and middle ticket commercial finance industry. With over 50 years of combined experience we have the knowledge, skills, abilities and relationships to help you reach your goals.

Wednesday, November 10, 2010

Today's Equipment Leasing Headlines

  Leasing News Migration
   Classified Ads---Collection/Controller
"Evergreen" is Marlin’s Third Quarter
  by Christopher Menkin
     Classified Ads---Help Wanted
      Leasing Web Site Rankings
Sales Make it Happen --- by Linda P. Kester
 Thanksgiving & Sales
   Letters!---We get eMail!
     Champaign, Illinois---Adopt-a-Dog
     (Westie Rescue of Missouri)
        Sending files on the Internet
        by Christopher Menkin
News Briefs---
 Former GE execs launch Nations Equipment Finance
  Direct Capital Takes “Chill” Out of Winter for Franchisees
   Banks more willing to lend, Fed survey reports
    Paper Checks Losing Grip on B-to-B Segment
     Consumer Credit Sees Largest Increase in Two Years
      Disabled Carnival cruise ship now being towed to San Diego
       Kurt Warner eliminated "Dancing with the Stars"

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

    You May Have Missed---
      California Nuts Briefs---
       "Gimme that Wine"
    This Day in American History
     Baseball Poem
       Daily Puzzle
      Weather, USA or specific area
       Traffic Live----

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


Leasing News Migration was “migrated” to a new, more modern, more up-to-date, more secure, faster web server. During this time, the web site was down, then was brought up, but had some difficulties. eMail was lost during this transition, into “outer space,” so if you did not get a response, it is because email was “lost.” Please try again:

Sorry for the inconvenience


Classified Ads---Collection/Controller

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

Seattle, WA
16 years experience small-ticket market; collections management, bankruptcy, litigation; strong vendor network; CLP Certification 2000- Pinnacle Capital since 2003, previously Irwin Business Finance, Financial Pacific

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

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

Free Posting for those seeking employment in Leasing:

All “free” categories “job wanted” ads:


“Evergreen” is Marlin’s Third Quarter
by Christopher Menkin

Renewal income net of depreciation totaled approximately $1.9 million and $1.8 million for the three-month periods ended September 30, 2010 and September 30, 2009, respectively.”
Marlin 10-Q 9/30/2010 filing

As Marlin Business Services, Mount Laurel, New Jersey continues with its adding of direct and indirect sale personnel, and improves its position with its bank and tax consequences, including as of September 30, 2010 having approximately $94.2 million of available borrowing capacity in addition to available cash and cash equivalents of $44.1 million, its main income still comes from "Evergreen Leases," where at the end the lessee continues making payments. Most of them, according to their SEC filings, are from copier leases.

Marlin, a member of the Equipment Leasing and Finance Association (ELFA), is one of the prime motivators to keep states from changing the laws to formally notify lessees about the end of their lease and options that they have. In Marlin's case, when the lessee does not contact them 90 days in advance, the lease continues as evidenced by the many SEC filings Leasing News has printed.

It is true that Marlin has increased its sales force and is now taking broker business and therefore has more originations. Here is their explanation, but buried deep in the 10Q is the real reason.

Here is the information as recorded in Marlin's third quarter SEC filing:

“During the three months ended September 30, 2010, we generated 3,253 new leases with a cost of $35.8 million compared to 1,916 new leases with a cost of $16.8 million generated for the three months ended September 30, 2009. Much of the change in volume is the result of increasing sales staffing levels, which were 84 sales account executives at September 30, 2010 and 34 sales account executives at September 30, 2009. Approval rates also rose from 38% for the quarter ended September 30, 2009 to 49% for the quarter ended September 30, 2010 due to the improved credit quality of the applications received.”

Nine Months Ended
September 30, As of or For the Year Ended December 31,

  2010 2009 2008 2007 2006 2005

Number of sales account executives







Number of originating sources(')








“Our leases offer our end user customers the option to own the purchased equipment at lease expiration. As of September 30, 2010, approximately 69% of our leases were one dollar purchase option leases, 28% were fair market value leases and 3% were fixed purchase option leases, the latter of which typically contain a purchase price equal to 10% of the original equipment cost. As of September 30, 2010, there were $38.9 million of residual assets retained on our Consolidated Balance Sheet, of which $31.9 million, or 82.0%, were related to copiers. No other group of equipment represented more than 10% of equipment residuals as of September 30, 2010 and December 31, 2009, respectively. Improvements in technology and other market changes, particularly in copiers, could adversely impact our ability to realize the recorded residual values of this equipment.

Fee income included approximately $1.3 million and $1.3 million of net residual income for the three-month periods ended September 30, 2010 and September 30, 2009, respectively. Fee income included approximately $4.0 million and $4.1 million of net residual income for the nine-month periods ended September 30, 2010 and September 30, 2009, respectively. Net residual income includes income from lease renewals and gains and losses on the realization of residual values of leased equipment disposed at the end of term.

“Our leases generally include automatic renewal provisions and many leases continue beyond their initial contractual term. Based on the Company's experience, the amount of ultimate realization of the residual value tends to relate more to the customer's election at the end of the lease term to enter into a renewal period, purchase the leased equipment or return the leased equipment than it does to the equipment type. We consider renewal income a component of residual performance. Renewal income net of depreciation totaled approximately $1.9 million and $1 8 million for the three-month periods ended September 30, 2010 and September 30, 2009, respectively. Renewal income net of depreciation totaled approximately $5.8 million and $5.3 million for the nine-month periods ended September 30, 2010 and September 30, 2009, respectively.”

   -Marlin 10-Q 9/30/2010 filing

Again it is highlight in the following press release that direct sales have increased, but not mentioned is business from third party originators. According to one independent broker, he was told the cut-off was 20 brokers, but perhaps in the future, Marlin would increase it. Once heavy into this method of sales, Marlin has made no comment, nor gives any emphasis to its real profit coming from Evergreen Leases.

In an effort of presenting all sides, here is Marlin Business Services press release in full:

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

Marlin Business Services Corp. Reports Third Quarter 2010 Results

Third Quarter Highlights:

  • Net Income of $1.4 million, an increase of 182% over the third quarter of 2009
  • Increased sales force by 15 full-time equivalents to 84
  • 12.9% increase in origination funding from the second quarter of 2010
  • 30+ day lease delinquencies improved 29 basis points from the second quarter of 2010 and improved 120 basis points from third quarter of 2009
  • Non-performing assets improved 15% from the second quarter of 2010 and 54% from third quarter of 2009
  • Available committed funding of $105 million
  • Strong capital position, equity to assets ratio of 33.1%
  • Total risk-based capital of 40.24%

MOUNT LAUREL, N.J., -- Marlin Business Services Corp. (Nasdaq:MRLN) today reported third quarter 2010 net income of $1.4 million, or $0.11 per diluted share, and net income on an adjusted basis of $1.4 million, or $0.11 per share.

"Despite the lingering effects of a weak economy, we're pleased with the solid results for the quarter," says Daniel P. Dyer, Marlin's CEO. "We continue to make steady progress on the sales side, with solid new lease originations growth and continued investment in the sales force. Portfolio credit quality is in very good shape and the underlying credit and profit fundamentals of the business are solidly intact to support profitable growth in the future. Looking ahead, our attention is squarely focused on disciplined growth and capitalizing on the exciting opportunity to serve the growing demand for our services by customers across the U.S."

Third quarter 2010 lease production was $35.8 million, based on initial equipment cost, up 12.9% from $31.7 million for the second quarter of 2010. Approval rates on lease originations were 49% for the third quarter of 2010. The average implicit yield on new lease production was 14.40% in the third quarter of 2010. Net interest and fee margin was 12.26% for the third quarter of 2010 compared to 11.66% in the second quarter of 2010 and 10.20% a year ago.

The Company increased its sales force 22% in third quarter 2010 to 84 full-time equivalents.

Credit trends continued to improve and have returned to historic levels. Highlights for the third quarter of 2010 included:

  • Leases over 30 days delinquent were 2.35% of Marlin's lease portfolio, which is 29 basis points lower than the second quarter of 2010 and the lowest since third quarter of 2006. On a dollar basis, 30+ day delinquencies have decreased 15% from the second quarter of 2010.

  • Leases over 60 days delinquent were 1.03% of Marlin's lease portfolio, which is 17 basis points lower than the second quarter of 2010 and the lowest since the fourth quarter of 2007. On a dollar basis 60+ day delinquencies have decreased 18% from the second quarter of 2010.

  • Non-performing assets of $2.4 million were 15% lower than the second quarter of 2010.

  • Net lease charge-offs of $2.8 million were 20% lower than the second quarter of 2010 levels.

  • Static pool credit losses and delinquency performance continue to be at or better than expectations for 2008, 2009 and 2010 vintages.

  • Reflecting improving credit trends, the allowance for credit losses as a percentage of total finance receivables stands at 2.31% as of September 30, 2010 compared to 2.40% as of June 30, 2010 and 2.71% as of December 31, 2009.

At September 30, 2010, the Company had outstanding $110.6 million of leases and loans funded through its banking subsidiary, Marlin Business Bank, and had $95.4 million in FDIC-insured deposits outstanding at an average borrowing rate of 2.69% with a weighted average term to maturity of 2.9 years. Average deposits outstanding for the third quarter of 2010 were $96.3 million at a weighted average interest rate of 2.70%.

On September 24, 2010, Marlin Leasing Receivables XIII LLC, an affiliate of the Company, closed on a $50 million three-year committed funding facility with Key Equipment Finance Inc. The facility will be used by the Company to fund its growth, increasing its ability to extend flexible equipment financing options to small- and medium-sized businesses nationwide.

At September 30, 2010, the Company had $105 million of available funding through its bank facilities and Marlin Business Bank.

In our form 10Q filed on August 6, 2010, we disclosed that we were in discussions with the Federal Reserve Bank in connection with the Federal Reserve Bank's interpretation of the Interagency Policy Statement on the Allowance for Loan and Lease Losses (SR 06-17) dated December 13, 2006 (the "ALLL Policy Statement") and the appropriate application of the ALLL Policy Statement to management's estimates used in determining the Company's allowance for credit losses (the "Allowance"). On October 27, 2010, Marlin Business Bank received a written determination from the Federal Reserve Bank of San Francisco and the Utah Department of Financial Institutions (the "MBB Report"). We do not believe that any of the recommendations in the MBB Report require a material adjustment by the Company.

While the Company has not received a written determination from the Federal Reserve Bank of Philadelphia in connection with the ALLL Policy Statement and Allowance discussion, if the Company receives such a written determination and if, as a result of the Company's review of such written determination, management determines that it should revise its estimates or methodology used to compute the Allowance, such changes could have a material impact on the size of the Allowance.

Conference Call and Webcast

About Marlin Business Services Corp.
Marlin Business Services Corp. is a nationwide provider of equipment leasing to small businesses. The Company's principal operating subsidiary, Marlin Leasing Corporation, finances over 100 equipment categories in a segment of the market generally referred to as "small-ticker leasing (i.e., leasing transactions less than $250,000). The Company was founded in 1997 and completed its initial public offering of common stock on November 12, 2003. For more information, visit or call toll free at (888) 479-9111.

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

Marlin 10-Q 9/30/2010 filing:

Previous Articles:



Leasing Industry Help Wanted


Interviewing Leasing Professionals With Proven Track Record and Established Book of Business.
Envision Provides: 1) Monthly Base Salary 2) Established Funding Sources 3) Fun Working Environment 4) Full Benefits (Health Insurance, 401k)
5) Aggressive Commission Structure.
Resumes To:, Contact: Jeff Edwards (949) 225-1712

Envision Capital Group is dedicated to providing the best in class products and service to our employees, customers, vendors and partners in the small and middle ticket commercial finance industry. With over 50 years of combined experience we have the knowledge, skills, abilities and relationships to help you reach your goals.


Vehicle Lenders Group, LLC is looking for dynamic sales associate. Either work out of one of our offices in Calif. , Dayton, or Oyster Bay, NY or your own office.
Draw w/benefits after three month probation period.
Must have excellent references, honest, self motivated, able to generate $500,000 a month by the end
of 12 months of employment.
Curt Webster, CVLE 516-922-7447 ext 104

Min 1 year leasing exp., commission only
You should earn $65,000 plus first year,
work from our Boston Office or home office.
Mark Gallagher 781-636-0202 or

Integrity Leasing and Financing Inc. started in 1998
and works directly with Vendors and Lessees.

3 years leasing exp., commission only first year or until quota met. You should earn $75,000 first year, work from
home office. Sandra Tieh, HR 512.458.1300 or
a OneWorld Business Finance Co-Op Member

Please see our Job Wanted section for possible new employees.


Leasing Web Site Rankings

(Several of the leasing web sites send out newsletters that click to their web site. Most are 20 to 21 times a month. The news edition from Leasing News is 12 times a month, but as can be seen from these rankings, is visited more often that the other leasing trade publications.

Alexa Ranks Leasing Media Web Sites
US rankings

11/9/2010 10/9/2010  
1. 32,761 29,111  Leasing News
2. 107,960 72,959  eLessors Networking Association
3. 126,795 90,856 Monitor Daily
335,870* National Assoc. of Equip Leasing Brokers
159,465 229,118 Ind Community Bankers of America
232,432 210,830
7. 232,818 no data VRL Financial News Leasing Life
292,704 147,241 World Leasing News
no data  Commercial Finance Association
567,461 no data National Equipment Finance Assoc.
  no data no data   CLP Foundation
no data no data  Exec Caliber-Jeffrey Taylor
no data no data Equip. Leasing & Fin Fndn
  no data no data  Institute of International Container Lessors
  no data no data  Assoc of Government Leasing  Financing
no data no data Leasing Press
no data no data Leasing Notes
no data no data Lease Assistant
no data no data Lean -Lease Enforcement Att Net
no data no data
  no data no data Lessee Advocate
  no data no data Avenues

Alexa Ranks Leasing Media Web Sites
World rankings

1. 151,309
142,805  Leasing News
2. 402,787
379,308  eLessors Networking Association
3. 427,107
426,911 VRL Financial News Leasing Life
4. 487,045
443,921 Monitor Daily
808,888 World Leasing News
978,110 Ind Community Bankers of America
1,384,266* National Assoc. of Equip Leasing Brokers
1,393,698  Commercial Finance Association
 2,724,814 Equip. Leasing & Fin Fndn
11. 3,133,451
3,587,503   CLP Foundation
5,511,442 National Equipment Finance Assoc.
13. 4,861,746
6,213,811  Assoc of Government Leasing  Financing
4,236,260  Institute of International Container Lessors
5,674,864  Exec Caliber-Jeffrey Taylor
7,340,370 Leasing Notes
18. 11,141,858 Avenues
9,076,273 Lean -Lease Enforcement Att Net
20. 13,045,056
12,956,561 Lessee Advocate
21,857,151 22,386,248 Lease Assistant
22,386,250 Leasing Press

David G. Mayer's Business Leasing and Finance News is not included in the Alexa report list as it does not have its own individual site and Alexa finds Patton Boggs, LLP Attorneys at Law.  The rating is not valid as it includes all those who visit and communicate with the law firm.  When Business Leasing and Finance News has its own individual web site, it will be included in the Alexa survey.

*It should be noted that NAELB web site "list serve" requires logging onto their site, meaing their e-mails are counted as a visit to the site, whereas they are "list serve" communication.  These are technically visits to the web site, but primarily to use "list serve."

The Alexa tool bar works on most browsers. They are partnered with Google.

You may download their free tool bar A graph and analysis of the last three months are available.


Sales Make it Happen --- by Linda P. Kester

“Thanksgiving & Sales”

Is your favorite part of Thanksgiving feeding your face until you're stuffed like a pig and then "vegging out" in front of a football game? American is a great country, we have a national holiday centered around food.

Besides being an excuse to overeat, Thanksgiving is a great time to reflect on all the good in you life and to reach out to your customers.

I love to send Thanksgiving cards. Last December I did a sales training at Capital Innovations, a fabulous leasing company, in Warminster Pennsylvania. When I walked in I was happy to see my Thanksgiving card hanging front and center. They put up my card and then started receiving Christmas cards. My card was the first one received in the holiday season and they liked it because of the handwritten thank you note inside.

You don't have to send a card to let your customers know that you're grateful for their business. Just pick up the phone and tell them “Thanks for doing business with us this year. Happy Thanksgiving.” If you say it with sincerity, it will make both you and your customer feel good.

Frequently we underestimate the power of gratitude. How much time do you actually focus on gratitude, compared to the time you spend thinking about the problems in your life? Many leasing sales people think “I don't have enough applications. I don't have enough volume. I don't have the income I want.” When you focus on the things that you don't want you continue to get those things. Instead focus on the things that you're grateful for like the last big deal you booked, or the lessee who stuck with you even when the funding source backed out at the last minute.

It's simple, what you appreciate, appreciates. What you're grateful for you get more of. When you appreciate the customers and volume you have, more customers and volume come to you.

I've experienced myself how powerful gratitude is. After selling copiers door to door I was jaded. I brought that negative attitude into leasing sales with me. After struggling for a couple months, I started writing down five things that I was grateful for each day. My gratitude list improved my attitude and my outlook. I started prospecting more and I began to see results. I went from an under performing sales rep to a member of my companies President's Club. After four continuous quarters in President's Club I was promoted.

If you count your blessings, then instead of becoming negative at the first sign of difficulty, you take note of all the good around you and you retain your positive energy.

This Thanksgiving think of the things you're grateful for and really feel those feelings of gratitude. When your heart swells a little bit, pick up the phone and thank your customers. You will end up expanding your heart and your customers' heart as well. To me that's better than stuffing you face with food. It's stuffing your soul with vitality and optimism. Way more satisfying then pumpkin pie.

If the only prayer you said in your whole life was “Thank You,” that would suffice.
--- Meister Eckhart, thirteenth-century German theologian.

Linda Kester helps leasing companies obtain more volume.

For more information please visit

Sales Makes it Happen articles:


Letters!---We get eMail!

(Mostly in chronological order)

More Layoffs at LEAF Financial

“Good article on Leaf today. Looks like the end is fast approaching and they’ll probably do the same thing they did with the predecessor Fidelity Leasing and sell off the assets. The structure of Fidelity was similar but who’s buying bulk lease assets. I tried calling my credit buddy over there to get the latest scoop but no answer. He might be gone too- I don’t know for sure. I attached the latest 8K showing Leaf got a 6 month line in September for $21.5M. Ever hear of a bank line for just 6 months?

“It seems to me that getting the short term $21.5M line for only 6 months is indicative of how US Bank looks at the future for Leaf. Anyway, $21.5M is tiny and it certainly won’t help their big picture.”

(name with held)

8K filing:

(LEAF appears to be active with Dolphin, and perhaps is working with other financial institutions, as noted in this press release:

("Leaf Financial Corp. has reached an agreement with Samsung Business Communication Systems to provide co-branded customer finance programs. The new initiative, Samsung Finance, gives small- and mid-size businesses nationwide access to financing and leasing.

Samsung Business Communication Systems, a Dallas-based division of Samsung Telecommunications America, is the distribution arm for the company’s line of business communications solutions. Leaf Financial is a commercial finance and asset management company based in Philadelphia. It originates small- and middle-ticket equipment leases through strategic alliances with manufacturers, distributors and dealers of equipment and software. After origination, Leaf manages the leases for its own account, institutions, and individual investors through investment partnerships and other investment vehicles."

(Samsung telephone systems is a non-brand and they don’t sell much in the USA, I am told. Perhaps the above is a vendor private label deal where Leaf makes the credit decision and buys Samsung’s contracts.


Leasing Business Improvement by Christopher Menkin

“This was what we need to hear more of…Optimism.


(Robert Runyon, Capital Agreements)

Leasing 102 by Mr. Terry Winders, CLP
Are You ready to be a Leasing Professional?

“Let me be the first to say ‘thank you’ for the well written article in Leasing News this morning. CLP Foundation appreciates your support! “

Chris Walker, CLP
Vice President, National Accounts
Tel. 319.261.4031 Fax 319.261.6031 Cel 319.651.5902

Four Prominent Attorneys on "Reps and Warrants"

“FYI – see attached email from a broker who was pushing us hard (a big tip off in itself) to approve the Allied Healthcare scam back in 2007. The broker made sure he also wrote me a terse email after we rejected the Allied Health Care credit and even attempted to disparage us when he copied the highly respected Ira Romoff, (who I have known back to the EAB days when Norm Bobins hired me to start LaSalle National Leasing Corporation in 1993).

“The broker’s parting cheap shot that we took too long to make a decision is clear evidence of Cobra Capital’s thorough underwriting process. If something sounds too good to be true or something does not add up, we dig in our heels and investigate with as many sources as we can contact and very simply, we just keep asking questions until we hit the foundation for any deal.

“Obviously, Cobra made the correct decision in turning down this huge scam. Just like we turned down the EAR and Wildwood scams.

“All three had very similar characteristics – they were all too good to be true!”

Dale R. Kluga
Cobra Capital LLC
2831 W. 83rd Street
Darien, Illinois 60561
630-985-3500 Office
630-985-4721 Direct
Solutions that work®


I received your voice message this morning. I am disappointed with your decision on this credit but far more disappointed with the time it took and your lack of communication. Our success depends upon our ability to provide excellent and intelligent service to our customers and that requires collaboration with our lenders. Frankly taking over a week to make a decision that could have been rendered before we ever submitted the transaction is simply unworkable for us.

“I thank you for your effort but suspect we are not a very good fit for each other.”

(name with held)

(This lessor put together many Allied Health Care Service deals and is relatively well-known in the leasing industry.)

Allied Health Care Services 123 pages of Creditors

“I saw Bruce Donner and Donner Medical were listed as creditors….what a joke.”

Tim O'Connor
Forum Leasing
275 West Campbell Road
Suite 320
Richardson, Texas 75080
Phone: 972-690-9444 ext. 225
Fax: 972-690-9464

Adrian Hebig resigns from US Bank Manifest

Adrian Hebig

“Your article on US Portfolio Service and then Adrian Hebig resigning did not get the entire story. There are $125-175 Million in bad debts at Manifest.”

(name with held)

(Adrian Hebig did not return repeated telephone calls. No officer or public relations person at US Bank Manifest returned the many emails or telephone calls…but makes sense why so many brokers were cut off, staff, reps gone, salesmen let go, and many other cuts backs, including the US Bank Leasing Portfolio Service as it certainly looks like major cut backs to a once high flying leader in the small ticket leasing field. Editor.)

Randy Haug, CLP

NEFA Conference Best Ever by Brad Harmon, CLP

ELFA Boca Raton Conference Report by Shawn Halladay, the Alta Group

“Just getting back from the ELFA and read the Leasing News first thing this morning. First thanks for the very nice article on Tara Aasand as NEFA member of the year. She has really gone over and above in her efforts for NEFA this year and throughout her years of involvement. NEFA is truly a member run and driven organization, and Tara work exemplifies that.

“Also, wanted to comment that Shawn’s article was “spot on” regarding the tone and demeanor of the 49th annual ELFA conference. It was really a well run event and there was a positive “buzz” in the air during the entire conference. It was fantastic to see so many industry leaders at this year’s event. Lessors that I spoke to are shifting gears back to the origination side of their business and the lenders in the room were actively searching out lessors to discuss funding facilities. These are all positive signs for improvement.

“It really is time for lessors to make their way back to active association membership if they haven’t already. There is a tremendous amount to be gained by doing so.

“Thank you again!”

Best regards,

Randy Haug, Sr. Vice President / Partner, LeaseTeam, Inc.
402.493.3445 (w) | 402.493.3433 (f) |

Washington has less power over the economy

“This is in regards to the link you had today to a Washington Post article about how Washington has little power over the economy (written by Allen Sloan & others).

“I found that article to be one of the best summaries of what has happened to the economy over the last 4 years and would encourage any leasing professional to read it. “

Joe Schmitz. CLP
F.I.T. Leasing
Financing Industry & Technology
(800) 299-4348

New Hires---Promotions

“Thank you for publishing the news about the management changes in our parent company’s equipment finance division.

“It might be useful to remind your readers about the relationship between BNP Paribas and Bank of the West & Trinity Vendor Finance. Here is a link the BNP Paribas Lease Group’s web page which might be useful to anyone interested in learning more about us:

“Thanks – Go Giants! “

Nick Gibbens
VP Manager - Diversified Industries
Trinity Vendor Finance
A Division of Bank of the West
(415) 217-4240 Direct
(800) 841-4433, Ext. 217-4240
(800) 268-1591 Fax

(Link was added to the story on line. Editor)

Leasing 102 by Mr. Terry Winders, CLP
Lease Contract Notice Periods

“Great message in Kit’s missive this morning; thanks for having the courage to raise the subject as it applies to our future ….. “

Jim McCommon, CLP
425 451 8933
425 451 8939 (Fax)


“I see what you are doing with the adopt a dog section of your newsletter, which is raising people's awareness of how to give a new home to a pet in need. In fact in May, when we decided to get another dog after our previous dog, Heidi who was 12 years old, passed away last November, I suggested to my wife we consider a dog from a shelter or rescue organization. After some research, my wife was looking into West Highland Terriers as a potential dog for our family.

“Through the awareness created by your newsletter, we searched out and found a rescue organization called Westie Rescue of Missouri. Within a few weeks, one of their volunteers came out and "interviewed" us to make sure we had the right type of home (no small kids and a fenced in back yard). Once you have been approved, they let you know of available dogs that have recently come under their care.

“Then within another week or two, we were off driving to Kansas City to pick up Rowdy, who we re-named as Emmet. A picture is attached below. He was about a year and a half old when we got him about 6 months ago. He was owned by an elderly couple, and the wife got sick with cancer. Unfortunately, the husband could not take care of the wife and the dog so they called Westie Rescue of Missouri. Through Westie Rescue of Missouri, he became our family pet. Emmett was perfectly healthy and just needed a good home.”

“So I wanted to share with you the good you are doing by publishing the adopt a dog segment of your newsletter.

“Perhaps you could add Westie Rescue of Missouri to one of your upcoming newsletters. Their website address is“

Gary Trebels


Sending files on the Internet
by Christopher Menkin

Sending large files has gotten easier. Not only are speeds faster, but new products. Here is a list starting with the oldest to the newest available

One of the oldest, but not utilized as much today is:

This program is often free with a new computer, and the company gives free up-grades from registered owners. Two basic versions. They drive you nuts with up-grades, but if the one you have is working fine, not really necessary to up-grade.

Adobe was perhaps the first to make PDF files easy to use.

This is perhaps the most popular method of copying files. The only problem is they are in the PDF format. You need to convert Word and Excel into PDF format. Adobe has two versions. It is often given as free software with a new computer, plus has a "free" version on line, but up-dates will drive you nuts, too; as well as the pitch for the larger program that you pay for the conversion to Microsoft Word.

Gaining popularity is Nuance PDF Converter, as it not only has PDF but the ability to easily convert into a word or other document. It is very fast and convenient. Many scanners today also have the feature to convert PDF. The main advantage with Nuance is not only its speed and ease to use, but easy ability into conversions (and doesn't use up all the hard drive space that Adobe does, either.) I used this exclusively.

You can use this account to send files to anyone, however there are limitations, based if the free version or paid versions.

Free version limitations:
The upload speed will be SLOWER than a paid account.
The file will expire in 3 days.
The file can only be downloaded 3 times.
Can only send one file at a time.
Ads will display when the recipient downloads the file.

Fast download speed for the recipient.
Download information available in "My Files" area.
You can create a FileBox to receive files.

Transfer Big Files has a free program as well as larger programs for frequent users:

Skype 5.0 for Windows has features that allow free large file sending from Skype user to another Skype user or for paid subscribers, you can use the feature to a non-user computer file.

Apple or IPhone users have the ability to use Mobile Me, which allow the use of a program called "public me," which allows a sender to post a file that requires a password. The URL is sent along with the password for the user to open up larger files.

For $69.95 now you can get YouSendIt: up to 2 GB, which includes videos, PowerPoint presentations, and other very large files. You can also use the service for one time at $9.99 with other features, for instance if you have a vacation trip you took and you want to share only with your family (not public as you would have on other programs.)

If readers have other programs you prefer, please send and will include as an up-date.


Champaign, Illinois---Adopt-a-Dog
(Westie Rescue of Missouri)


West Highland White Terrier Westie:
An adoptable dog in Champaign, IL

• Adult
• Male

Frankie is a two year old Westie boy whose family didn’t have the time to spend with him any longer. He's a champion sleeper, not possessive with food; pretty good with sharing toys, and very good with the foster homes other two Westies (adult female and male puppy). However, he wasn’t crazy about a visiting male Westie, but this is prior to his being neutered. Frankie would appreciate a Westie wise home and older children. Frankie is housetrained, however for any new dog brought into a new surrounding, there could be accidents once adopted. He has only had one accident in his foster home and with a quick, positive correction there have been no more. Goooo Frankie!!”

Spayed/Neutered • Up-to-date with routine shots


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

Adopt a Pet\


News Briefs----

Former GE execs launch Nations Equipment Finance

Direct Capital Takes “Chill” Out of Winter for Franchisees

Banks more willing to lend, Fed survey reports

Paper Checks Losing Grip on B-to-B Segment

Consumer Credit Sees Largest Increase in Two Years

Disabled Carnival cruise ship now being towed to San Diego

Kurt Warner eliminated "Dancing with the Stars"

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


You May have Missed---

GM to lay off one: Mr. Goodwrench



California Nuts Briefs---

California's unemployment fund has $10.3 billion deficit



“Gimme that Wine”

Culinary Institute Names 2011 Vintners Hall of Fame

First Annual #Zinfandel Day November 19

Walla Walla winery wins top award at Tri-Cities Wine Fest

New company aims to reuse wine bottles

Ghost wineries link past and present

Free Mobile Wine Program

Wine Prices by vintage

US/International Wine Events

Winery Atlas\

Leasing News Wine & Spirits Page


This Day in American History


1674 - Dutch formally ceded New Netherlands (NY) to English as provision of the Treaty of Westminster at the End of the Third Anglo-Dutch War.    
    1775- U.S. Marines, established. Originally part of the navy, it became a separate unit July 11, 1789.
    1766- In New Brunswick, New Jersey, Queen's College was chartered under the Dutch Reformed Church, to provide education "...especially in divinity, preparing [youth] for the ministry and other good offices." The present name of the school, Rutgers University, was adopted in 1924.
    1778- Iroquois Indians in NY kill 40 in Cherry Valley Massacre
    1793- Jared Kirtland birthday, American physician and naturalist. Dr. Jared Potter Kirtland ( whom Kirtland’s Warbler is named) was born at Willingford, CT. The first of the now rare Kirtland’s Warblers to be identified and studied was found on his farm near Cleveland, OH. In 1851, Dr. Kirtland died at Rockport, Near Cleveland, Dec. 10,1877.
    1801 – “ An act to prevent the evil practice of dueling.” In the United States the state of Tennessee outlawed the practice of dueling
( quite common in the day in the entire US.)
    1808 - In a decision that would eventually make them one of the wealthiest surviving Indian nations, the Osage Indians agree to abandon their lands in Missouri and Arkansas in exchange for a reservation in Oklahoma. The Osage were the largest tribe of the Southern Sioux Indians occupying what would later become the states of Missouri, Kansas, and Nebraska. When the first Anglo explorers and settlers moved into this region, they encountered a sophisticated society of Native Americans who lived in more or less permanent villages made of sturdy earthen and log lodges. The Osage-like the related Quapaw, Ponca, Omaha, and Kansa peoples-hunted buffalo and wild game like the Plains Indians, but they also raised crops to supplement their diets. Most Indian tribes were devastated by these relocations, including some of the Southern Sioux tribes like the Kansa, whose population of 1,700 was reduced to only 194 following their disastrous relocation to a 250,000-acre reservation in Kansas. The Osage, though, proved unusually successful in adapting to the demands of living in a world dominated by Anglo-Americans, thanks in part to the fortunate presence of large reserves of oil and gas on their Oklahoma reservation. In concert with their effective management of grazing contracts to Anglos, the Osage amassed enormous wealth during the twentieth century from their oil and gas deposits, eventually becoming the wealthiest tribe in North America.
    1835 -a severe storm crossed the Great Lakes with 19 ships lost and 254 sailors killed
    1836 -Louis Napoleon banished to America.
    1849-San Francisco 1849 Collector of the Port said 697 ships arrived in port since April 1 of which 401 were American and 296 were foreign.
    1849---The Gold Rush was on as the San Francisco Collector of the Port said 697 ships arrived in port since April 1 of which 401 were American and 296 were foreign.
    1855-The first poem to win national acclaim was Henry Wadsworth Longfellow’s Song of Hiawatha, which was published in book form by Ticknor and Fields, Boston, MA. In four weeks, 10,000 copies were sold, in and in 18 months, 30,000.
    1865-Henry Wirz, former commander of the infamous Confederate prison at Andersonville, Georgia, was hanged.
    1865- Howard University founded in Washington DC!longwal.htm
    1875--Farmers comprised about 48 percent of the U.S. population. Now they were moving westward, seeking new land for new farms, opening up the Western frontiers, settling the prairies. The Homestead Act had a great impact on this exodus; and the farm wife pressed westward, shoulder to shoulder with her husband. "She helped fight off Indians, claim jumpers, and grasshoppers. She coped with prairie fires, plagues, blizzards and tornadoes, as well as epidemics of smallpox, cholera, typhoid fever, diphtheria, and malaria.
"She rose at dawn to stoke the fire in the hearth of the cook stove, haul water, cook breakfast, and bake the day's bread. She made her own soap and candles, helped her husband 'break' new sod and plant new crops, fed livestock, milked cows, and educated her own children until schools were built.
"Her babies (she bore an average of 6 to 8 of which 3 - 5 might grow to adulthood) were delivered without benefit of a doctor."
-- from an article by Marjory F. Hart, U.S. Department of Agriculture.
    1891-African-American Granville T Woods patents the electric railway; one of America’s most prolific inventors.
    1893- Mabel Ethelreid Normand birthday, popular film star was the actual inventor of the pie-in-the-face routine, throwing one while a bored teenager on the Max Sennett set during the early days of Hollywood. She became a top drawing film actor but was hit over the head with a vase which might have caused some brain damage. Afterward she became a cocaine addict. She was considered a suspect in the unsolved murder of William Desmond Taylor.
    1895-If you visit New Orleans, be sure to see the first statue officially sanctioned by the Pope, the figure of Our Lady of Prompt Succor, the Patroness of Louisiana, which was blessed by Archbishop Janssens in the name of Pope Leo XIII at Urulines Convent, New Orleans, LA.
    1898- Race riot in Wilmington NC (8 blacks killed)
    1907- Jane Froman birthday, Broadway singer, was seriously injured in a plane crash while on tour entertaining troops in WWII. She never fully recovered from her injuries nor did her career. The movie With A Song In My Heart (1952), the story of her life, had Susan Hayward doing the acting while the sound track was Froman's singing.
    1913 -- Karl Shapiro born Baltimore, MD (1913-2000). American poet, professor & Pulitzer Prize-winner in 1945.
    1914-The first bank to establish a branch in a foreign country was the National City Bank of New York, which opened a branchy in Buenos Aires, Argentina. The Federal Reserve Act, approved December 23,1913, permitted American banks to establish branches abroad.
    1915 -a violent F4 tornado rips through Great Bend, KS. The tornado killed 11 people. Debris was carried 85 miles. Hundreds of dead ducks dropped from the sky at the end of the tornado track.
    1916-- Billy May Birthday (one of the great big band arrangers with his own band, Frank Sinatra, Nat “King” Cole, and his recreation of the Jimmie Lunceford band album is one of my favorites. His arrangement of “Lean Baby” was one my favorites that my band played. Another was “String of Pearls” where Warren Luening,Jr. and Chris Morgan would duel on the solo’s.
    1923-African-American Garrett Morgan invented and patented the traffic signal
    1931-Birthday of guitarist/songwriter Bobby Rush
    1931 - For the second year in a row, Conrad Nagel hosted the Academy Awards. This year’s gala celebration, the Academy’s fourth, was at the Sala D’Oro Room at the Biltmore Hotel in Los Angeles. The runaway winner was "Cimarron" (Outstanding Production - RKO Radio; Art Direction - Max Ree; Writing/Adaptation - Howard Estabrook). Best Actor honors went to Lionel Barrymore for his stellar performance in "A Free Soul"; ditto for Best Actress Marie Dressler in "Min and Bill". The Best Directing Award for "Skippy" went to Norman Taurog, and Best Cinematography accolades were earned by Floyd Crosby for his work on "Tabu". The Academy Award for Best Writing/Original Story was presented to John Monk Saunders for his script, "The Dawn Patrol". Several Scientific and Technical Awards were also presented for the first time.
    1932-Birthday of pianist Paul Bley piano Quebec, Ontario

    1939 - On Bluebird Records, Muggsy Spanier and his band recorded "Dipper Mouth Blues".
    1944--BRITT, MAURICE L. Medal of Honor
Rank and organization: Captain (then Lieutenant), U.S. Army, 3d Infantry Division. Place and date: North of Mignano, Italy, 10 November 1943. Entered service at: Lonoke, Ark. Born: 29 June 1919, Carlisle, Ark. G.O. No.: 23, 24 March 1944. Citation: For conspicuous gallantry and intrepidity at the risk of his life above and beyond the call of duty. Disdaining enemy hand grenades and close-range machine pistol, machinegun, and rifle, Lt. Britt inspired and led a handful of his men in repelling a bitter counterattack by approximately 100 Germans against his company positions north of Mignano, Italy, the morning of 10 November 1943. During the intense fire fight, Lt. Britt's canteen and field glasses were shattered; a bullet pierced his side; his chest, face, and hands were covered with grenade wounds. Despite his wounds, for which he refused to accept medical attention until ordered to do so by his battalion commander following the battle, he personally killed 5 and wounded an unknown number of Germans, wiped out one enemy machinegun crew, fired 5 clips of carbine and an undetermined amount of Ml rifle ammunition, and threw 32 fragmentation grenades. His bold, aggressive actions, utterly disregarding superior enemy numbers, resulted in capture of 4 Germans, 2 of them wounded, and enabled several captured Americans to escape. Lt. Britt's undaunted courage and prowess in arms were largely responsible for repulsing a German counterattack which, if successful, would have isolated his battalion and destroyed his company.
    1947-Lionel Hampton records “Midnight Sun,” Decca 24429.
    1949---Top Hits
That Lucky Old Sun - Frankie Laine
Don’t Cry, Joe - The Gordon Jenkins Orchestra (vocal: Betty Brewer)
I Can Dream, Can’t I? - The Tommy Dorsey Orchestra (vocal: Jack Leonard)
Slipping Around - Margaret Whiting & Jimmy Wakely
    1949-Birthday of singer Billy Price, Passaic, NJ
    1949- Donna Fargo birthday, country singer whose "Happiest Girl in the Whole USA" made her an overnight star and won her the Grammy award for Song of the Year 1972.
    1950 - The Country Girl, written by Clifford Odets, opened at the Lyceum Theatre in New York City. Uta Hagen, in the lead role, won a Best Actress Tony for her performance. A few years later, the play was made into a film, and Grace Kelly received the Best Actress Oscar for the same role.
    1951-Area Codes Introduced: the 10-digit North American Numbering Plan which provides area codes for Canada, the US, and many Caribbean nations was devised in 1947 by AT&T and Bell Labs. Eighty-four area codes were assigned. However, all long-distance calls at that time were operator-assigned. On this date in 1951, Mayor M. Leslie Denning of Englewood, NJ (area code 201) direct-dialed the mayor of Alameda, California. By 1960 all telephone customers could dial long distance calls. Because of the proliferation of faxes, modems and cell phones, the US could run out of area codes as early as 2007. The system is administered by the North American Numbering Plan Administration.
    1953 - Walt Disney's The Living Desert was released to theaters. It was very popular and became a box-office smash, later winning the Academy Award for Best Documentary Feature. Critics, however, felt there were too many gags and humor with music, which weakened its documentary claim. Disney toned down the comedic antics with subsequent nature documentaries.
    1953 - The film How to Marry a Millionaire, starring Marilyn Monroe, Betty Grable, and Lauren Bacall, premiered in New York on this date. It later received an Oscar nomination for Best Costume Design.
    1954 - The Iwo Jima Memorial was dedicated in Arlington, Virginia.
    1955- In his Nashville hotel room, songwriter Mae Axton plays Elvis Presley a demo of a song she's co-written called "Heartbreak Hotel."
    1956-- Billboard magazine's DJ survey reveals that Elvis Presley is the country's number one male artist on both the pop and country charts.
    1956 - After a 3 year absence, Billie Holiday returned to Carnegie Hall in New York City to give a concert called a high point in jazz history.
    1956 - Billboard's annual DJ's Poll finds that Elvis Presley is the most-played male artist and country artist.
    1957---Top Hits
Jailhouse Rock - Elvis Presley
You Send Me - Sam Cooke
Little Bitty Pretty One - Thurston Harris
Wake Up Little Susie - The Everly Brothers
    1957-Charlie Sifford wins the Long Beach Open, becoming the first Black person to win a major professional golf tournament.

    1958-A Billboard article notes Dick Clark's "phenomenal" rapport with his teenage audience and advertisers see him as "one of the hottest merchandising and promotional properties" on the tube. The article points out that Beechnut gum's sales have gone up 100 percent since becoming an "American Bandstand" sponsor.
    1960-Andrew Hatcher is named associate press secretary to President John F Kennedy, becoming the first Black press secretary.
    1963-Gordie Howe of the Detroit Red Wings scored the 545th goal of his career to surpass the mark held by Maurice Richard of the Montreal Canadiens.
    1964- The Braves sign a twenty-five year lease to play in the newly constructed Atlanta Stadium.
    1965 - No. 1 Billboard Pop Hit: "Get Off My Cloud," The Rolling Stones. The song is the group's second No. 1 single.
    1965---Top Hits
Get Off of My Cloud - The Rolling Stones
A Lover’s Concerto - The Toys
Everybody Loves a Clown - Gary Lewis & The Playboys
Hello Vietnam - Johnny Wright
    1967-The Moody Blues release "Nights in White Satin".
    1967--The Youngbloods at the San Francisco Avalon Ballroom

Artist: Chris Johnson
    1969-“Seseme Street” premieres on TV. An important, successful long-running children's show, "Sesame Street" educates children while they have fun. It takes place along a city street, featuring a diverse cast of humans and puppets. Through singing, puppetry, film clips and skits, kids are taught letters, numbers, concepts and other lessons. Shows are "sponsored" by letters and numbers. Human cast members have included: Loretta Long, Matt Robinson, Roscoe Orman, Bob McGrath, Linda Bove, Buffy St. Marie, Ruth Buzzi, Will Lee, Northern J. Calloway, Emilio Delgado and Sonia Manzano. Favorite Jim Henson muppets include Ernie, Bert, Grover, Oscar the Grouch, Kermit the Frog, the Cookie Monster, life-sized Big Bird and Mr Snuffleupagus.
    1969-"Led Zeppelin II" is certified gold.
    1973---Top Hits
Keep on Truckin’ - Eddie Kendricks
Heartbeat - It’s a Lovebeat - The DeFranco Family
Photograph - Ringo Starr
Paper Roses - Marie Osmond
    1973-David Essex's "Rock On" is released.
    1974 - No. 1 Billboard Pop Hit: "You Ain't Seen Nothing Yet," Bachman-Turner Overdrive.
    1975-The ore carrier Edmund Fitzgerald broke in two during a heavy storm in Lake Superior (near Whitefish Point). There were no survivors of this, the worst Great Lakes ship disaster of the decade, which took the lives of 29 crew members.
    1979-"The Genius," Ray Charles enters the soul singles chart for only the second time this year with "Just Because," which will peak at #69 in five weeks on the chart. His only other entry will be with the LP "Ain't it So," which enters the soul LP charts in two weeks and peaks at #59.
    1979-The Eagles had the number one song in America with a tune that was co-written by Bob Seger, "Heartache Tonight".
    1981---Top Hits
Private Eyes - Daryl Hall & John Oates
Start Me Up - The Rolling Stones
Tryin’ to Live My Life Without You - Bob Seger
Fancy Free - The Oak Ridge Boys
    1983-Microsoft software released. In 1980, Microsoft signed a contract with IBM to design an operating system, MS-DOS, for a personal computer that IBM was developing. On Nov 10, 1983, Microsoft released Windows, an extension of MS-DOS with a graphical user interface. Many say it “copied” features and even icons of the Apple operating system.
    1984 - The Maryland Terrapins set an NCAA football record when they came from a 31-0 halftime deficit to beat Miami’s Hurricanes, 42-40. The game broke the previous record set on October 20,
    1984- When Washington State came from 28 points behind to beat Stanford, 49-42.
    1984-The first Breeders’ Cup day of thoroughbred racing was held at Hollywood Park in California. Wild Again won the feature race, the $3 million Breeders’ Cup Classic, beating Slew O’Gold and Gate Dancer.
    1986 - "Bruce Springsteen & The E Street Band Live/1975-85", the highly watched for, long-anticipated album by "The Boss", went on sale in record stores. Fans made the LP a sellout in one-day, buying over a million copies and generating more first-day money than any record in 30 years. The hit album was a five-disc, 40-song set.
    1989---Top Hits
Listen to Your Heart - Roxette
Cover Girl - New Kids on the Block
When I See You Smile - Bad English
Ace in the Hole - George Strait
    1989 - Windy and wet weather prevailed across Washington State. Strong southerly winds gusted to 70 mph at Rattlesnake Ridge, near Hanford. Six rivers in western Washington State rose above flood stage between the 9th and the 11th of the month, following eight days of moderate to heavy rain. Rainfall over the western slopes of the Cascade Mountains between the 3rd and the 10th ranged from 14 to 24 inches. High freezing levels also caused the early snow pack to melt, adding to the runoff in the rain-swollen rivers. Damage was heaviest in Whatcom County, where the Nooksack River caused nearly six million dollars damage, mostly to roads and bridge
    1996 - Dan Marino was first NFL quarterback to throw for 50,000 yards in his career. He reached that mark as he completed a pass to O.J. McDuffie in a game against the Indianapolis Colts this day. Marino went on to a run up a career record of 61,361 yards passing.
    1997 - WorldCom Inc. and MCI Communications Corp. agreed to a $37 billion merger, the biggest in United States history. In 2002, World Com was be indicted for fraud in the millions of dollars and file bankruptcy, with several officers going to jail.
    1999 -- St. Louis' Isaac Bruce has four touchdown catches in a 42-20 win over San Francisco as the Rams snap a 17-game losing streak to the 49ers.
    2002 - Severe thunderstorms developed ahead of a strong cold front and produced a widespread outbreak of severe weather including many tornadoes. The worst tornado damage was concentrated in Ohio, Tennessee and Alabama. A tornado rated as F-4 on the Fujita Scale struck Van Wert County in Ohio. In Tennessee, the community of Mossy Grove was nearly destroyed by a mile-wide tornado that claimed 12 lives (ENS). A major outbreak of severe weather and tornadoes occurred across the U.S. Tennessee and Ohio valley region on November 10-11, 2002, producing damage in 13 states. A total of 75 tornadoes touched down on Sunday 10th, resulting in at least 36 deaths
    2002--- On tonight's "How I Spent My Strummer Vacation" episode of FOX-TV's The Simpsons, guest stars Mick Jagger, Keith Richards, Tom Petty, Elvis Costello, Lenny Kravitz, and Brian Setzer operate a rock and roll fantasy camp.


American Football Poem

Poems by
--Vince Lombardi

(1913-1970) US football coach

If winning isn't everything, why do they keep score?

The difference between a successful person and others is not a lack of strength,
not a lack of knowledge, but rather in a lack of will.

Gentleman, this is a football.

We didn't lose the game; we just ran out of time.

Fatigue makes cowards of us all.

The harder you work, the harder it is to surrender.

If you can't accept losing, you can't win.

Winning is a habit. Unfortunately, so is losing.

The quality of a person's life is in direct proportion to their
commitment excellence, regardless of their chosen field of endeavor.
All right Mister, let me tell you what winning means you're willing to
go longer, work harder, give more than anyone else.

The spirit, the will to win, and the will to excel are the things that endure.
These qualities are so much more important than the events that occur.

Individual commitment to a group effort -- that is what makes a
team work a company work, a society work, a civilization work.

Winning isn't everything it's the only thing.
--Vince Lombardi





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(chronological order)

- Messenheimer of AMC Funding Group filed BK 4/19/10
- Small Business Definition 2010 by Jeffrey Taylor
- NAELB Starts Part Two: Funder Task Force by Roseanne Wilson, CLP
- NEFA Conference Best Ever by Brad Harmon, CLP
- Adrian Hebig resigns from US Bank Manifest
- Lease Police Identifies "Repo Machines"
- October Alexa Leasing Web Site Report
- Butler Capital/Koch Financial sold to BankUnited
- Lease Fleece Adam Zuckerman back in the news
- Great America Starts New Division with Brian Bjella
- Recovery remains slow for European leasing
- ZRG Partners Lease Employment Index Reports Increase
- Unemployment rate by county--US Map Chart
- US Bank Equipment Finance Continues Downsizing
   Oh No! -- Portfolio Services to Close?
- BBB: Rating Leasing Companies
- ELFA Continues Support Evergreen without mandatory notice
   Sutton Speaks Out in Monitor Magazine
- Commercial Equipment Lease, Eugene, Oregon for Sale?
- August Leasing Business "half full"
- Snooth Wine Pro - New iPhone App
- Top 10 Best Small Cities for Business and Career
- Leasing Companies Report "Uncertainty" to ELFF
- New ACORD Certificate for the Leasing/Finance Industry
- Signs emerge that total bank branches could dwindle
  by Kevin Dobbs and Maria Tor
- Second Alert-AMC Funding Group, Charlotte, NC
- Broker Referral Exchange---Up-Date
- Proposed Accounting Standards Update for Lessor’s
- FDIC Consent Order to Main Street Bank
- Allied Schwartz Arrest $87 million Fraud
- Alert--GMD Founder is Back!
- ELFA July MLFI is Misleading
- Editorial: Bring Back the Investment Tax Credit
- De Lage Landen: A Teachable Moment by Bernie Boettingheimer, CLP
- Top Ten Rose Gardens
- Balboa Capital Settles w/five DC Churches Lawsuit
- IFC Credit Corporation—Over a Year Later
- E.A.R. Counsel asks for $254,249 legal services
- Operation Lease Fleece Update - August 13th
- LEAF for Sale?
- Evergreen calendar makes Marlin Leasing Profitable
- Ready, Willing, Able: Dwight Galloway, CLP
- Pawnee Acknowledge Losses--But Remains Eager
Alert---Mark Anstett, InSpec Global Technologies
- Failling Home Sales: Are There Just Too Many Houses
- Maricle Arrested in Florida Advance Rental Scam
- "Advanced Rental" S. Calif. Leasing Complaint
- Second Half of the Year by Kit Menkin
- Claim: PSFS Violated California Finance Lenders Law
- Iowa Supreme Court Ruling Royal Carts Case
- The Saga of Rudy Trebels Claiming a CLP--update
- Clarifications---Mar Vista Financial
- Leasing News Position on Evergreen and Winter Green Leases
- I should have called Lease Police!
   by Christopher Menkin
- Heritage Leasing Update
- Leaf Update
Leasing News is not a "blog" by Christopher Menkin
- PinnFund/PinnLeasing Michael Fanghella Out of Jail Seeks $150,000 Job
- Three Class Action Suits re: Brican America
- Verifying Tax Returns
- NorVergence---still going
- Starting a Leasing Company-Four Parts
   by Mr. Terry Winders, CLP
- Free Mobile Wine Program
- Special Report: Part I
   Could Church Kiosks, Royal Link Carts, NorVergence results been avoided?

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

   Equipment Lease Agreement (EFA)
- How to handle Vendor Points
- The $40,000 Church Kiosk
- Settlement Costs Vs. Litigation Costs
- Stress Relief
- California License Web Addresses
- Lease/Loan State License Requirements