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Tempe, Arizona
5 Independent Sales Representatives
Most Aggressive Commission Plan • Supplier Leads
From Distribution & Manufacturer Semi-Captive Programs • Fantastic Work Environment • Experienced Sales Only
Full Job Description Click Here

Tuesday, November 28, 2011

Today's Equipment Leasing Headlines

Salvation Army Kettles
 U.S.A. and Canada
  Classified Ads---Sales
    Copier Wars---It's more than the lease payment
    by Christopher Menkin
  Vehicle Lenders Group joins Funder List
   Career Crossroad—"Why I left my previous employer..."
    Classified Ads---Help Wanted
     Christmas: Best Time to Advertise for New Employee
 Leasing 102 by Mr. Terry Winders, CLP
  "The Importance of Equipment Identification"
    Bank's Stress Test Results
     Top Stories---November 21--23
  Bank of the West Sees
   “Rise in Multi-Funder Finance Program Structures”
     Portland, Oregon Adopt-a-Dog
      Classified ads—Back Office
News Briefs---
 Crisis in Europe Tightens Credit Across the Globe
  Money Found in Britain May Belong to MF Global
   Bank of the West to boost small-business staff in Denver
    NetSol Forms Wholly Owned Foreign Enterprise in China
     Cyber Monday online sales expected to be $1.2 billion, a record
      Kindle Black Friday sales quadruple; Kindle Fire tops sales
       Megapolitan areas compete globally
        Columbia Bank's Dressel tries to balance growth and local focus
         3 Asset Managers Win $254 Million Powerball Lottery

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

The Great Leap Online
  You may have missed
    Sports Briefs---
     Football Poem
      California Nuts Briefs---
        "Gimme that Wine"
   This Day in American History
      Daily Puzzle
        Weather, USA or specific area
          Traffic Live----

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



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Classified Ads---Sales

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

Aggressive, competitive self-starter with vendor/direct equipment
leasing and asset-based lending experience. Success in business banking sales and financial planning.
Email: | Resume

Award winning and strategic leasing sales professional with eleven years experience in Technology, Medical, Furniture, and Office Automation. Only seeking positions offering a base salary with benefits.
Garfield, NJ
15 years experience small to large ticket sales exp. All types of equipment industries. Vendor & direct. Self motivated. Work with leasing company or broker.
Tony Lio
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. 334-590-5133

Orange County, CA
20+ years in leasing sales & sales management.
Have estab. existing remote office with Lessee /Vender following.
Looking for a partnership w/funding source.

Pittsburgh , PA
Aggressive self starter looking for leasing position w/10 plus yrs sales exp., plus banking experience 814-227-4592

San Francisco Bay Area:
Business Development “Hunter” with transferable book of business in multiple segments: commercial construction, technology, fitness, etc. Years of managerial experience: can also be a “player/coach”.

Stuart, FL
Lease professional seeking bank sub, captive or other self-funded lessor. Sales position or other. Mid ticket large territory experience.
15 year lease vet looking for plact to take business.great references. all major equipment types. open to compensation. please contact if interested.

Free Posting for those seeking employment in Leasing:

All “free” categories “job wanted” ads:


Copier Wars---It's more than the lease payment
by Christopher Menkin

The lease payment is not the most important item to look at in leasing, particularly when it comes to financing a copier. It can be similar to leasing a vehicle, what to consider in addition to the monthly payment is the value at the end. The difference with leasing a copier, is equipment leasing is not regulated as to what must be disclosed or accomplished. The vehicle lessor generally has a “blue book” number or dollar figure, but what is most important, informs the lessee before the end of the contract, letting them know their options in advance. Often it is spelled out. In equipment leasing, particularly abused in copier leases, only five states require the lessor to inform the lessee when the lease about the end of the original lease term. (1)

The end may also have several others tricks for those who have not read the leasing contract or understand what may happen.

The fact is, many leasing companies do not inform the lessee when the lease ends, and perhaps worse, have an Evergreen clause in the contract that continues the contract when the lessee does not inform the lessor (often by certified mail) 90 days, and sometimes 120 days, before the end of the contract. It means they continue the lease payment. If you do not notify them in writing, the lease continues.

Its in the contract. Its legal in 45 states.

ACH or invoices in these circumstances will not warn you, and many don't lessees don’t count the payments, trusting the leasing company or the party they assigned the payments to that they won’t “over bill.” This “trick payment” requirement applies to $1.00 and 10% purchase options, and is more prevalent in "fair market value" options when the lessee must return the equipment at the lessee expense. This means not the manner in which the copier was received, but actually shipped to the destination chosen by the lessor (“in good working order.") If copier located in California, it could be back to Missouri at the lessee’s packaging and shipping costs. Some even charge a restocking fee of one month, such as LEAF (7).

In $500,000 and $1 million dollar leases the staff attorneys work on the contracts and options at the end,often negotiating six months in advance about a “fair market value” or continuing the lease at a different “rate.” Doesn’t happen in leasing a copier.

The advantage to the lessor in the equipment leasing is the pricing can be "upside down," very low, as the incentive to enter into the transactions as the actual profit is when the original term expires. It may not even be a “true lease” or “operating lease” that meets both IRS and Accounting definitions. The lessor relies on the extra payment or “balloon payment” at the end for their real profit.

The Equipment Finance and Leasing Association (ELFA) has been fighting changes in states that want to change the law. They claim they are for "transparency" but believe making it mandatory for the lessor to notify the lessee regarding the termination of the lease is an "undue burden," especially the "expense of a certified letter." (2)

On the ELFA web site, they state: "ELFA believes that all contract terms, including automatic renewal terms, should be properly and adequately disclosed and cautions against legislative attempts to dictate contract provisions between a lessor and lessee. (3) This applies at the beginning, meaning it is up to the lessee to contact the lessor about the termination, and not the responsibility of the leasing company.

The responsibility then is to the signer of the lease to not only read the entire contract (yes, read the contract,) but as important to understand and remember and prepare for the procedure for purchase or return of the equipment. The notice of termination then is the responsibility of the lessee---otherwise extra lease payments will be required, sometimes 90 days, sometimes twelve months mandatory.

As an example, two companies who are in "copier wars" price the lease payment for the profit at the end. One of them, in my opinion, is Marlin Business Services (NASDAQ: MRLN) dba Marlin Leasing out of Mount Laurel, New Jersey, but their processing is out of Pennsylvania, in my opinion, due to usury laws in the state they are located.

33.12% of Marlin's business is copies. (4). In Marlin’s third quarter filing, page 42, it was stated 81.4% of residual assets were related to copiers:

"As of September 30, 2011, approximately 65% of our leases were one dollar purchase option leases, 33% were fair market value leases and 2% were fixed purchase option leases, the latter of which typically contain an end-of-term purchase option equal to 10% of the original equipment cost. As of September 30, 2011, there were $33.9 million of residual assets retained on our Consolidated Balance Sheet, of which $27.6 million, or 81.4%, were related to copiers. No other group of equipment represented more than 10% of equipment residuals as of September 30, 2011 and December 31, 2010, respectively."
   page 42 (5)

The profit, in my opinion, for the company has primarily come from the automatic renewals:

  Net Profit Lease Renewel income net of depreciation
First Quarter, 2010 $1.2 million $1.9 million $1.8 million (1)
Second Quarter, 2010 $1.2 million $3.9 million $2.5 million (2)
Third Quarter, 2010 $1.4 million $1.9 million $1.8 million (3)
Fourth Quarter, 2010 $1.8 million    
First Quarter, 2011 $1.2 million $2.0 million $1.9 million (4)
Second Quarter, 2011 $1.5 million $2.3 million $2.7 million (6)

LEAF Financial Corporation, Moberly, Missouri, a subsidiary of Resource America, Inc. (NASDAQ: Rexi) is the former Dolphin Capital, purchased by Resource American, Inc. on November 26, 2007 (6a), and is their "copier division." Page 2, Section 5 has the terms and conditions about the end of lease, including the one month restocking fee:

"LEASE EXPIRATION AND RENEWAL: Unless you notify us in writing at least 90 days prior to the expiration of the Lease, or any renewal term, of your intention to return the Equipment to us or to exercise the purchase option indicated above, this Lease will automatically renew for successive 90 day periods at the same month LEAF Payment...If you elect to return the Equipment to us, it must be returned to the location that we designate within 90 days of your providing notice or return. Your obligation to pay rent will continue until the Equipment is returned to our designated return location. You are responsible for all expenses incurred in returning the Equipment to us and agree to pay us a Restocking fee equal to one additional Lease payment if the Equipment is returned for any reason." (7)

It appears the recent availability of $125 million new capital will cost LEAF 6% plus covenants, which is expensive money and requires end of lease extra payments or fair market value residuals to offer low rates to top credits.

The copier market space (which reportedly makes up 85% of the Moberly, Missouri monthly volume) is winning deals because they are buying deeper and priced much lower. The higher residuals are a must to make this work in this strategy. The loss of customer good well, perhaps even copier dealer goodwill, comes after the original term is over, and there are changes there.

There are not only the loss of customer and vendor at the terms end, there is the danger that the copiers are obsolete, especially as more and more documents are being converted to computers and the trend is toward Cloud computing. There are also potential liabilities to lessors regarding the assigning liability for disclosure of private information stored on digital copiers. And perhaps as important, as more and more states now are hearing the abuse complaints and may be adopting making it mandatory for lessors to inform the lessee when the original term expires anywhere from 90 to 30 days in advance.

As more of these assets come off lease and as demand continues to weaken in the used copier market, LEAF and those who use this device to win leases with a lower monthly payment, relying on the extra payments at the end, may realize tremendous losses at the end of the lease.

New York
Rhode Island

(Consumer in Illinois--- may affect commercial, especially a proprietorship, partnership or personal guarantee)







(7) LEAF Contract (paragraph 5, top of second page, left)



joins Funder List

In Business Since
Leasing Association
Business Reports
Vehicle Lenders Group, LLC
Curt Webster
516-922-7447, Ext. 104
8 NY, 4 CA, 5 Ohio
46 states
avg. trans.

A -Accepts Broker Business | B -Requires Broker be Licensed | C -Sub-Broker Program
D -"Private label Program"| E - Also "in house" salesmen

Full Funder’s List “A” :

John Kenny Receivables Management

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

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

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



Career Crossroad—"Why I left my previous employer..."

Question: I have heard I should not speak negatively about previous employers …. How do I handle this in an interview when asked why I left my previous employer?

Answer: In an interview NEVER – I repeat – NEVER talk negatively about previous employers or colleagues; choose your words very carefully. If you had a less than positive experience with a previous employer / colleague, how about:

· The position / corporate culture was not a good fit for me
· I did not feel I was being utilized to my full capability

DO NOT give a laundry list of complaints – this will damage your chances of being made an offer. Who wants to hire someone who has a pessimistic attitude! Always be upbeat and spin in a positive light (e.g. I realized that I am looking for a different type of culture) …

The exception to this rule: if you are working with a Recruiter; they should know your hot buttons and assist in finding a situation that will fit your current and future career goals; as such they should be privy to both positive and negative experiences. Recruiters should not be revealing this confidential information to potential employers … discuss with your recruiter and make sure this is the case.

But when talking with a HR person or the one who does the hiring, when taking your application or in an interview, this person is JUST as important as the President of the company; no negative talk – period!

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

Previous Career Crossroad columns:


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Leasing Industry Help Wanted

Tempe, Arizona
5 Independent Sales Representatives
Most Aggressive Commission Plan • Supplier Leads
From Distribution & Manufacturer Semi-Captive Programs • Fantastic Work Environment • Experienced Sales Only
Full Job Description Click Here

National Sales Representative
Direct, vendor based, small ticket ($10K-150K) leasing company looking for experienced sales representatives.
If you need more support, flexibility and a
stronger source of funds call Falcon.
Want to learn more - click here

For information on placing a help wanted ad, please click here:

Please see our Job Wanted section for possible new employees.



Christmas: Best Time to Advertise for New Employee

Leasing News Help Wanted Ad Pricing

Help Wanted Web Ad New Programs

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

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

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

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

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

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



Leasing 102
by Mr. Terry Winders, CLP

“The Importance of Equipment Identification”

(Not too late to sign up for Terry’s December 12-14th Seminar in Newport Beach, California.
More of the seminar follows this column.)

One of the important safe guards we have to protect our equipment is a label. Most lessors do not take the time to label their equipment. Most rely on the UCC filing to protect them from equipment disappearing. However, as anyone who has sat in a bankruptcy hearing knows, smaller equipment and equipment that can be easily sold to raise cash in times of stress is loss to the wind. Any purchaser of this equipment can have the equipment repossessed because no one can sell equipment with a lien on it. But finding the equipment and/or the purchaser is this side of impossible once the cash is paid the equipment is gone. Sometimes this is done on purpose, but more often it is overlooked, especially if there is more than one of the type of equipment you have leased.

Non-titled equipment is almost everything except transportation equipment which means anything can be sold to an unsuspecting purchaser that is unfamiliar with the UCC, which is almost everyone not involved with leasing or finance.

Labeling or identification tags may sound like a hard task to complete, but, actually is fairly simple to accomplish. First it should contain the sentence “This equipment is owned by; (the lessor’s name, address, and phone number, and if possible the lessor’s E-mail.) Then it needs to be a size that is not too large or too small, based on the size of the equipment on which it is going to be placed.

These identification tags can metal, or just self-sticking, plastic about the size of a business card. Place one of these tags on every piece of equipment you lease. Position it somewhere that’s usually unseen, but is easily found. It’s not always possible to tag every leased item, but at least try to tag all easily disposed-of assets (i.e., copy machines, laptops, personal computers, etc.) Many companies who do not have personnel to do this, rely on the lessee and in most cases I am familiar with, the lessee will comply when told it is for personal property compliance, which is another reason to have the equipment labeled properly.

It may be that your lessee is super sensitive and objects’ to the point that you might lose your deal. Then first, you explain that the tags are used to identify and show ownership of your untitled asset. But in the end you have to make a credit decision with the understanding of the risk you take if there are a large number of small assets.

One small note, the labels or tags are suburb advertising that the lessee sees everyday and is therefore more app to call you with the next equipment need.

The purpose of the tags beyond trying to prevent a unauthorized sale is the ease of identifying your equipment when large numbers of small assets are leased and there is many lessor’s involved. You would think serial numbers help identify your equipment but when bankruptcy occurs and everyone is looking to reduce their exposure they grab the newest and the best of the similar assets as soon as they can and it is a major task to challenge them and get return of the equipment.

In many cases it is impossible to visit the lessee to place the tags on the equipment but we have been very successful placing wording in the lease agreement requiring the lessee to do it for us. Then we sent the labels to the lessee with the copy of the lease, after it is completed, requesting them to place the tags on the equipment. The number of times the lessee failed to perform this task was very low.

When I tell discuss labeling with lessor’s I get lots of objections usually based on the fact that their lessees object strongly. So, I ask have you tried it. The answer is usually “no”. I know that some lessees are opposed to it, but if it is explained properly and handled correctly, not only does it protect you better than a not complete UCC filing, but it brings addition business in as well.

I know this may be new to you, but in today’s world we need to protect ourselves as best we can while still looking professional to our lessees.

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

He invites your questions and queries.

Previous #102 Columns:

Mr. Terry Winders, CLP
Anaheim, California

December 12-14th
Two and One Half-Day Seminar
sponsored by
Commerce National Bank
4040 MacArthur Blvd. Suite 100
Newport Beach CA 92660
(Orange County Airport is a half-mile away)

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

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

and a take home assignment to see how to propose a lease.

Cost $450 per person

To request a complete outline contact: or for questions call 502-649-0448


(This ad is a “trade” for the writing of this column. Opinions
contained in the column are those of Mr. Terry Winders, CLP)


Bank's Stress Test Results

(31 banks with consolidated assets of $50B or greater that are now required to submit capital plans for Federal Reserve review each year.)

("The Fed's guidance for capital planning in the 2012 round of stress tests includes macroeconomic and financial market scenarios that firms must use, including U.S. unemployment rates as high as 13.05% and real GDP contraction nearing 8%.")

By Lindsey White and Sebastian Hindman

The latest round of stress tests from the Federal Reserve could subject banks to the harshest hypothetical conditions yet, industry observers said.

Sabeth Siddique, a director at Deloitte & Touche LLP and former assistant director of banking supervision and regulation at the Fed, said the scenarios are more severe than in previous rounds of stress testing. "I think that is in part a testament to the continued difficult environment that we're experiencing both globally and domestically," he said.

The Fed's guidance for capital planning in the 2012 round of stress tests includes macroeconomic and financial market scenarios that firms must use, including U.S. unemployment rates as high as 13.05% and real GDP contraction nearing 8%.

In its final rule the Federal Reserve required bank holding companies with total consolidated assets of $50 billion or greater to submit capital plans for review on an annual basis. A total of 31 firms made the Nov. 22 list, including 19 that participated in the 2011 round of stress tests and 12 new additions.

The firms on the list range in size from Zions Bancorp., which has $51.53 billion in assets, to JPMorgan Chase & Co., which has $2.289 trillion in assets. The 31 companies have Tier 1 common risk-based ratios ranging from 6.89% at M&T Bank Corp., according to the company's third-quarter earnings release, to 15.96% at State Street Corp.

Some bank holding companies with total consolidated assets of $50 billion or greater did not make the Fed's list, but could eventually be required to submit to stress testing. Toronto-Dominion Bank unit TD Bank US Holding Co., for example, has approximately $199.56 billion in assets, but did not make the list. Nor did BancWest Corp., a unit of BNP Paribas SA, with $77.13 billion in assets; or Taunus Corp., a unit of Deutsche Bank AG, with approximately $380.65 billion in assets.

For the time being, the capital plan rules do not apply to any bank holding company subsidiary of a foreign banking organization that is relying on certain earlier regulations. These exemptions last until July 21, 2015.

While TD is not on the list, two other subsidiaries of large Canadian banks will be required to undergo stress testing. Royal Bank of Canada's RBC USA Holdco Corp. and BMO Financial Group's BMO Financial Corp. are among the 12 companies newly required to submit annual capital plans.

Several other institutions with foreign parents are also on this list, including HSBC North America Holdings Inc., a unit of HSBC Holdings Plc; Citizens Financial Group Inc., a unit of Royal Bank of Scotland Group Plc; BBVA USA Bancshares Inc., a unit of Banco Bilbao Vizcaya Argentaria SA; and UnionBanCal Corp., which is owned by Mitsubishi UFJ Financial Group Inc.

The Fed also said the six largest firms — Bank of America Corp., JPMorgan, Wells Fargo & Co., Citigroup Inc., Morgan Stanley and Goldman Sachs Group Inc. — will be required to estimate potential losses stemming from a hypothetical global market shock. This will be based on market price movements that occurred during the second half of 2008, "a time of significant volatility," the regulator said in a news release. In some cases the market shocks will reflect additional stresses related to the ongoing situation in Europe.

"Those banks that have material operations in Europe, those large multi-national institutions, the European crisis will have to be taken into consideration, particularly with respect to liquidity," Siddique of Deloitte & Touche said.

In a Nov. 22 report, Evercore Partners analysts said the additional testing is a negative for BofA, which did not receive approval to increase its dividend following the Fed's 2011 stress tests.

But overall, industry observers agree that the latest stress tests are in line with market expectations. "Maybe the scenario is a little more severe than many expected, but again, it's a very unlikely scenario, as stated by the Fed," Siddique said. "I think the market reaction should be neutral."


Top Stories---November 21--23

Here are the top ten sorties opened by readers:

(1) Chris Walker Funeral Mass

(2) Alert---Peter O' Donnell
Southeast Truck & Trailer Sales, Inc.

(3) Reaction to Charles K. Schwartz Sentencing

(4) Navitas Gets California License!

(5) Crit DeMent Re-Invents Himself
by Christopher Menkin

(6) St. Louis Mgr. Mike Matheny lost his home

(7) Paramount Financial Services joins Broker/Lessor List

(8) LEAF Commercial Capital Receives
$125 Million of New Capital

(9) eMails Received on the Passing of Chris Walker

(10) Leasing 102 by Mr. Terry Winders, CLP
Lessee Rights, Titles, Interest

Not Counted for Technical Reasons
Charles K. Schwartz Sentenced




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

Bank of the West Sees
“Rise in Multi-funder Finance Program”Structures

The Equipment Finance Division at Bank of the West sees a trend toward changes to traditional multi-funder finance program structures. These structure changes are on the rise as captive finance companies are shifting to retain the ongoing servicing rights for their portfolio, while continuing to use multiple third-party lenders. Captives who move to this model frequently will also outsource servicing of their portfolio to a third party servicer. This model is finding favor with large companies that are seeking to standardize their customers’ experience, while enjoying the competitive advantages offered by the use of third party lenders.

“Our Managed Services Group was recently selected as servicer for a multi-funder finance program structure for a large captive finance subsidiary of a Fortune 500 company. This is becoming a popular model for captive finance groups of significant size who utilize third party funding partners,” said Eric Gross, director of Managed Services at Bank of the West.

“More than ever, companies recognize the need to have more control of their customer’s experience throughout the product life-cycle. This program structure allows captives control of their customer’s experience and the ability to continue to fund through traditional financial institutions.”
Bank of the West
222 SW Columbia Suite 900

Portland OR 97201-6600
Office (503) 225-1607
Fax (503) 225-1751
Mobile (503) 840-5165

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


Portland, Oregon -- Adopt-a-Dog


Pet ID #: 1011DM05
Breed: Papillion Mix
Color: White - With Red, Golden, Orange Or Chestnut
Age: Adult
Size: Small 25 lbs (11 kg) or less
Sex: Male

“I am already neutered, housetrained, up to date with shots, and not good with kids.”

Clarence's Story...
“Clarence, a 9 pound Papillion mix, came to Animal Aid from Lane County animal control as a stray where he waited for a couple of months for a home. We're hoping to change his luck and find him his permanent home.

“Clarence has had a rough go at life and has been bounced around. His ear infections were bad enough to give him his 'cauliflower ear'. When he came to us he had a skin infection and infections in both ears. With medicated baths, ear medications and antibiotics he is on the road to recovery.

“He's a spry little fellow and was able to jump over the baby gate his foster mom put up to confine him. Clarence doesn't like to be over handled so a home without small children would be best. He LOVES his squeaky toy and ball and is an affectionate little lap dog. Clarence will need consistency and structure so he can gain confidence and trust.

“Clarence is currently in a foster home/ Please email or call 503-292-6628 option 3 to get information on meeting”

Please note: due to our screening preference to view the potential home and interview the prospective guardian, we rarely adopt out of our local Portland metro area.

Group: Animal Aid Inc.
Pet ID #: 1011DM05
Phone: (503) 292-6628
Let 'em know you saw "Clarence" on!
Fax: (503) 296-4957
Address: 5335 SW 42nd Ave
Portland, OR

Adoption Information:

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

Adopt a Pet



Classified ads—Back Office

Leasing Industry Outsourcing
(Providing Services and Products)

Back Office: Atlanta, GA
Let Tax Partners handle your sales and use tax compliance duties w/less risk and cost than in-house. Largest tax compliance firm
in US
Backoffice: Dallas, TX 
Property Tax and sales and use tax administration services performance is guaranteed and we will save you time and money or our service is free.
Back Office: Gig Harbor, WA
Orion First Financial provides comprehensive lease/loan account servicing, collection/workout solutions and strategic advisory services. Contact David T. Schaefer
Back Office: Laughlin, NV
20 years experience on funder/broker sides. Looking for a relationship where I act as credit shop for smaller brokers when financial statements are involved.
Back Office: National Property Tax Compliance Services to the leasing industry. Over 60-years experience and fifty Lessors as clients. References and free quotes available,
(216) 658-5618,
Back Office – National
Spending too much time on processing credit applications, preparing lease documents and other administrative tasks and not enough time marketing and growing your business? Call us! 407.964.1232
Backoffice: New Rochelle, NY
Proactive management/administration of commercial/consumer vehicle lease/finance portfolios covering insurance, titles,
registrations, sales/property taxes, tickets, collections, accounting, vehicle disposition. Since 1975
Back Office: Northbrook, IL
Our staff of CPA's and lease professionals can handle any or all portfolio responsibilities incl. portfolio mgmt, invoicing, sales/property/income tax, accounting, etc. 
Back Office: San Rafael, CA
We can run your back office from origination to final payoff. 30 years experience in commercial equipment lease and loan portfolio management.
Back Office - Portland, OR 
Keep more of your hard-earned commissions! Middle-Market, Small-Ticket for brokers, nationwide, 20+years experience, negotiable splits. Contact us for more information at (888)745-9481 or
Back Office -Portland 
Portfolio Financial Servicing Company is a leading provider of private label primary and backup servicing for lease and loan contracts. 800-547-4905

Back Office -Portland 
Portfolio Financial Servicing Company is a leading provider of private label primary and backup servicing for lease and loan contracts.  800-547-4905

Portfolio Servicing: Portsmouth, NH
Servicing without all the subcontracting. Payments, billing, collection, legal, recovery, accounting, tax. Leading systems; highly recognized professionals. Call 855.EENGINE


All "Outsourcing" Classified ads (advertisers are both requested and responsible to keep their free ads up to date:

How to Post a free "Outsourcing" classified ad:

Gary DiLillo, President 216-658-5618 or

Comprehensive personal property tax outsourcing services.
Click here to see what our clients say about us.


News Briefs---

Crisis in Europe Tightens Credit Across the Globe

Money Found in Britain May Belong to MF Global

Bank of the West to boost small-business staff in Denver

NetSol Forms Wholly Owned Foreign Enterprise in China

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Football Poems


American Football Poem

Taking the Snap

I take the snap from the center, fake to the right, fade back...
I've got protection. I've got a receiver open downfield...
What the hell is this? This isn't a football, it's a shoe, a man's
brown leather oxford. A cousin to a football maybe, the same
skin, but not the same, a thing made for the earth, not the air.
I realize that this is a world where anything is possible and I
understand, also, that one often has to make do with what one
has. I have eaten pancakes, for instance, with that clear corn
syrup on them because there was no maple syrup and they
weren't very good. Well, anyway, this is different. (My man
downfield is waving his arms.) One has certain responsibilities,
one has to make choices. This isn't right and I'm not going
to throw it.

Louis Jenkins

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This Day in History

   1644-- The Massachusetts General Court issued a call for local pastors to learn the dialects of neighboring Indian tribes, as an aid toward converting them to the Christian faith.
    1729-Birthday of Charles Thomson, America’s first official record keeper. Chosen secretary of the First Continental Congress Sept 5, 1774, Thomson recorded proceedings for 15 years and delivered his journals together with tens of thousands of records to the federal government in 1789. Born in Ireland, he died Aug 16, 1824. It was Thomson who notified George Washington of his election as president.
    1760 -- Major Roger Rogers takes possession of Detroit on behalf of Britain.
    1776- General George Washington starts re-grouping his troops, fighting the heavy winter, planning a major surprise into Hessian held New Jersey.
    1777-Lieutenant Jose Joaquin Moraga, with 14 settlers and their families, arrived in the Santa Clara Valley to found El Pueblo de San Jose de Guadalupe San Jose, the first secular community in California, was established on the Guadalupe River. Called a “Pueblo,” it had 66 inhabitants whose dissolute lives scandalized the padres at nearby Mission Santa Clara. The priests built a road lined by shady willows from the mission to San Jose to encourage church attendance, but the colonists stayed away as the Padres made them work for the mission, imposed cruelty when they did not and other punishments for not speaking Spanish, dressing “appropriately,” saying prayers or following missionaries’ way of “salvation.”
    1780-- In Connecticut, Lemuel Haynes, 27, was licensed to preach in the Congregational Church, becoming the first black minister to be certified by a predominantly white denomination. Five years later, in 1785, Haynes was ordained pastor of a church in Torrington, CT, also making him the first black minister to pastor a white church. He fell in love with a young white woman in his Connecticut congregation; she proposed to him, and they were married in 1783, producing ten children. Middlebury College gave Haynes an honorary degree (another unprecedented event) at its second commencement in 1804. He filled pulpits in Bennington, Manchester, and Granville, New York, before his death at the age of eighty.
    1799 -- American utopianist writer, philosopher, teacher Amos Bronson Alcott born, Wolcott, Connecticut. A profound influence over Ralph Waldo Emerson, who in turn was instrumental in the development of Alcott’s daughter Louisa May
    1804 - Lt Presley O'Bannon and seven Marines landed in Alexandria, Egypt. The group will gather 500 mercenaries and in January 1805 begin an overland march to Tripoli.
    1808 - Secretary of Treasury Gallatin requested 12 new cutters at a cost of $120,000 to enforce "laws which prohibit exportation and restrain importations" to support the embargo ordered by President Thomas Jefferson. President Jefferson had ordered an embargo against most European imports and exports to protest the harassment of U.S. sailors by warring European powers. The embargo did not work. War began with England in 1812 but the ships were purchased.
    1811- birthday of Wendell Phillips, American women’s suffrage, anti-slavery, prison reform leader, born at Boston, MA. Died there Feb 2, 1884.
    1816-The first savings bank conceived by charter: the Bank for Savings in the City of New York. It did not open until March 26, 1819. The deposits on the first day, received from 80 depositors, amounted to $2,807. The statement for the first six months showed a loss of $27 suffered as a result of the bank’s accepting counterfeit money and a short change loss of $23.92.
    1832-- Louisa May Alcott Birthday, American author, born at Philadelphia, PA. Died at Boston, MA, March 6, 1888. ” Known for her novel Little Women, the classic story of Meg, Jo, Beth and Amy, she also wrote Work, an autobiographical novel exposing the exploitation of women workers and the evils of industrialization in 1873. After the failure of her father's utopian community Fruitlands, she took care of the welfare of the family. 
While Louisa May was growing up, her family was near starvation many times and friends and neighbors took them food and clothing. In 1848 her mother Abba Alcott at age 49 was hired by a group of philanthropic Boston women to be their city missionary to distribute food and clothing to the poor and needy (her family included). 
Her salary provided almost the only income for her four children and her philosopher husband Branson, who did a lot of thinking and talking that has gotten him into a lot of "noted men" history books, but did no work to feed himself or his family. Branson once wrote in his voluminous correspondence, 
"What with my wife's and (daughter) Anna's earnings, my own tithe and charities from a few friends, we survive as a family, and fall but little into debt.”
An ardent abolitionist, she volunteered in the American Civil War as a nurse & served in 1862-1863 at the Union Hospital in Georgetown, D.C. During this time she contracted typhoid from which she never completely recovered. Her father was born the same day of the month, see 1799.
    1850-The San Francisco Grand Jury condemned gambling in this city as "a crying evil," and urged that something must be done about prize fighting as well as numerous houses of ill-repute.
    1863- The Battle of Fort Sanders, Knoxville, Tenn., ends with a Confederate withdrawal.
    1864 --Ignoring orders to kill only warriors, a U.S. Army massacres 103 sleeping Cheyenne — including Black Kettle, a survivor of the Sand Creek Massacre — in the so-called "Battle of the Washita," Oklahoma Territory.
    1872 -- The Battle of Lost River, the first hostilities between the U.S. Government & Captain Jack's band of Modoc Indians. The government moves in early in the A.M. while the Modocs sleep, & demands a surrender. Instead, as could have been predicted, the distrustful Modocs react with gunfire. One Modoc, known as The Watchman is killed and one U.S. soldier by the name of Harris is also killed. Several on both sides are wounded. In the immediate aftermath, the Modocs also kill 17 settlers. Some curiosity seekers had tagged along to watch the battle, and fled with guns firing at the first sign of hostilities. One of these killed a civilian and her infant with a panic-induced shotgun blast.
    1876-Birthday of Nellie Taylor Ross, who became the first female governor in the US when she was chosen to serve out the last month and two days of her husband’s term as governor of Wyoming after he died in office. She was elected in her own right in the Nov 4, 1924, election but lost the 1927 race. Ross was appointed vice chairman of the Democratic National Committee in 1926 and named director of the US Mint by President Franklin D. Roosevelt in 1933. She served in that capacity for 20 years. Born at St. Joseph, MO, she died Dec 20,1977, at Washington, DC.
    1877-- Thomas Edison demonstrates the hand-cranked phonograph
    1887 - United States receives rights to Pearl Harbor, on Oahu, Hawaii.
    1887 - Child prodigy pianist, Josef Hofmann, at 11 years of age, made his American debut at a concert held in the Metropolitan Opera House in New York. His recording remain, although in later life he said the early fame was more than he could handle, turning to alcohol, which greatly affected his career and personal life.
    1890-Army played Navy for the first time in football, and Navy won, 24—C. Red Emrich scored four touchdowns (worth four points each) and kicked two field goals (worth two points each), and Moulton Johnson added the other touchdown to account for all the scoring
    1883 -- Printer/publisher Dard Hunter lives, Steubenville, Ohio. His writings on the history and technique of papermaking include the autobiography, My Life with Paper
    1895- The first gasoline-powered automobile race in the U.S., the Chicago to Evanston Thanksgiving Day Race, was won by the brothers Charles E. and J. Frank Duryea; 6 cars, 55 miles, winner averages a blazing 7 MPH.
    1895-Birthday of William “Busby” Berkeley, born Los Angeles, CA. After serving in World War I as an entertainment officer, he changed his name to Busby Berkeley and began a career as an actor. He turned to directing in 1921, and his lavish Broadway and Hollwood creations, including “Forty-Second Street,” “ Gold Diggers of 1933,” “Footlight Parade,” “Stage Struck,” “Babes in Arms,” “Strike up the Band, “ Girl Crazy,” and “Take Me out to the Ball Game.” He retired in 1962 and returned to Broadway in 1970 to supervise a revival of “No, No, Nanette.” He died March 14, 1976 at Palm Springs, Ca.
    1896 - the temperatures fell to 51 below zero at Havre, MT. It marked the culmination of a two week long cold wave caused by a stagnate high pressure area similar to those over Siberia during the winter. During the month of November temperatures across Montana and the Dakotas averaged 15 to 25 degrees below normal.
    1903 - An Inquiry into the U.S. Postal Service demonstrates the government has lost millions in fraud.
    1904 - President Theodore Roosevelt wrote a letter to a distant cousin named Franklin, saying he approved of Franklin’s intended marriage to the President’s niece, Eleanor.
    1907-The first stadium operated by a city was the Golden Gate Park Stadium, San Francisco, CA, completed this day. It was oval in shape and covered a 30-acre field. It had two entrances, one on the north and one of the south side, through tunnels 30 feet wide and 10 feet high. A three-quarter mile trotting track 60 feet wide encircled the stadium. Bicycle races were held on November 29, 1906, before completion.
    1908-Birthday of Adam Clayton Powell,Jr., New Haven, Conn. Well-known and popular black Congressman, representing Harlem, NY, receiving the mantle from his very popular and influential father, Adam Clayton Powell, Sr. Caught in activity unbecoming a Congressman, considered a dynamic personality and leader, his attraction to the opposite sex became his undoing and use of government money for trips to the Bahamas became his undoing, as he was barred to sit in Congress after fulfilling eleven terms in 1967, re-elected, and then rejected by voters in his district when he ran in the next term on new charges of corruption. Died on April 4, 1972, in Miami, Fla.; cremated and ashes scattered over South Bimini in the Bahamas, where he spent most of his time when he was supposed to be representing his constituents in Congress..
    1915-- Composer/arranger/pianist Billy Strayhorn birthday, born Dayton, Ohio.
    1916 - US declared martial law in Dominican Republic. Most Dominican laws and institutions remained intact under military rule, although the shortage of Dominicans willing to serve in the cabinet forced the military governor, Rear Admiral Harry S. Knapp, to fill a number of portfolios with United States naval officers. From 1917 to 1921, the United States forces battled a guerrilla movement in that area known as the gavilleros. The guerrillas enjoyed considerable support among the population, and they benefited from a superior knowledge of the terrain. The movement survived the capture and the execution of its leader, Vicente Evangelista, and some initially fierce encounters with the Marines. However, the gavilleros eventually yielded to the occupying forces' superior firepower, air power (a squadron of six Curtis Jennies), and determined counterinsurgent methods.
    1916---WILLIAMS, ERNEST CALVIN Navy Cross
Rank and organization: First Lieutenant, U.S. Marine Corps. Born: 2 August 1887, Broadwell, Ill. Accredited to: Illinois. G.O. No.: 289, 27 April 1917. Other Navy award: Navy Cross. Citation: In action against hostile forces at San Francisco de Macoris, Dominican Republic, 29 November 1916. With only a dozen men available, 1st Lt. Williams rushed the gate of the fortress. With 8 of his party wounded by rifle fire of the defenders, he pressed on with the 4 remaining men, threw himself against the door just as it was being closed by the Dominicans and forced an entry. Despite a narrow escape from death at the hands of a rifleman, he and his men disposed of the guards and within a few minutes had gained control of the fort and the hundred prisoners confined there.
    1926- Duke Ellington’s Kentucky Club Orchestra records “ East St. Louis Toodle-O.,” Vocalion 1064
    1927- In California troops battled 1,200 inmates after Folsom prisoners revolted.
    1929 - After finishing his first flight over the North Pole on this date in 1926, Lieutenant Commander Richard E. Byrd flew over the South Pole today, exactly three years later; becoming the first American to achieve this feat. 
    1932 - In New York City, Cole Porter's musical, "The Gay Divorcee," opened. It featured the classic, "Night and Day".
1934. the Detroit Lions played their first Thanksgiving Day game, the start of an NFL tradition, and lost to the Chicago Bears, 19—16. CBS Radio does its first-ever national broadcast of an NFL game before a crowd of 26,000.
    1938--- Tommy Dorsey and His Orchestra, "Hawaiian War Chant"
    1941-Dennis Doherty, vocalist with the Mamas & Papas, is born
    1943--HASEMOTO, MIKIO Medal of Honor
Private Mikio Hasemoto distinguished himself by extraordinary heroism in action on 29 November 1943, in the vicinity of Cerasuolo, Italy. A force of approximately 40 enemy soldiers, armed with machine guns, machine pistols, rifles, and grenades, attacked the left flank of his platoon. Two enemy soldiers with machine guns advanced forward, firing their weapons. Private Hasemoto, an automatic rifleman, challenged these two machine gunners. After firing four magazines at the approaching enemy, his weapon was shot and damaged. Unhesitatingly, he ran 10 yards to the rear, secured another automatic rifle and continued to fire until his weapon jammed. At this point, Private Hasemoto and his squad leader had killed approximately 20 enemy soldiers. Again, Private Hasemoto ran through a barrage of enemy machine gun fire to pick up an M-1 rifle. Continuing their fire, Private Hasemoto and his squad leader killed 10 more enemy soldiers. With only three enemy soldiers left, he and his squad leader charged courageously forward, killing one, wounding one, and capturing another. The following day, Private Hasemoto continued to repel enemy attacks until he was killed by enemy fire. Private Hasemoto’s extraordinary heroism and devotion to duty are in keeping with the highest traditions of military service and reflect great credit on him, his unit, and the United States Army. 
    1943-HAYASHI, SHIZUYA Medal of Honor
Private Shizuya Hayashi distinguished himself by extraordinary heroism in action on 29 November 1943, near Cerasuolo, Italy. During a flank assault on high ground held by the enemy, Private Hayashi rose alone in the face of grenade, rifle, and machine gun fire. Firing his automatic rifle from the hip, he charged and overtook an enemy machine gun position, killing seven men in the nest and two more as they fled. After his platoon advanced 200 yards from this point, an enemy antiaircraft gun opened fire on the men. Private Hayashi returned fire at the hostile position, killing nine of the enemy, taking four prisoners, and forcing the remainder of the force to withdraw from the hill. Private Hayashi’s extraordinary heroism and devotion to duty are in keeping with the highest traditions of military service and reflect great credit on him, his unit, and the United States Army. 
    1944-MILLER, ANDREW Medal of Honor
Rank and organization: Staff Sergeant, U.S. Army, Company G, 377th Infantry, 95th Infantry Division. Place and date: From Woippy, France, through Metz to Kerprich Hemmersdorf, Germany, 16-29 November 1944. Entered service at: Two Rivers, Wis. Birth: Manitowoc, Wis. G.O. No.: 74, 1 September 1945. Citation: For performing a series of heroic deeds from 1629 November 1944, during his company's relentless drive from Woippy, France, through Metz to Kerprich Hemmersdorf, Germany. As he led a rifle squad on 16 November at Woippy, a crossfire from enemy machineguns pinned down his unit. Ordering his men to remain under cover, he went forward alone, entered a building housing 1 of the guns and forced S Germans to surrender at bayonet point. He then took the second gun single-handedly by hurling grenades into the enemy position, killing 2, wounding 3 more, and taking 2 additional prisoners. At the outskirts of Metz the next day, when his platoon, confused by heavy explosions and the withdrawal of friendly tanks, retired, he fearlessly remained behind armed with an automatic rifle and exchanged bursts with a German machinegun until he silenced the enemy weapon. His quick action in covering his comrades gave the platoon time to regroup and carry on the fight. On 19 November S/Sgt. Miller led an attack on large enemy barracks. Covered by his squad, he crawled to a barracks window, climbed in and captured 6 riflemen occupying the room. His men, and then the entire company, followed through the window, scoured the building, and took 75 prisoners. S/Sgt. Miller volunteered, with 3 comrades, to capture Gestapo officers who were preventing the surrender of German troops in another building. He ran a gauntlet of machinegun fire and was lifted through a window. Inside, he found himself covered by a machine pistol, but he persuaded the 4 Gestapo agents confronting him to surrender. Early the next morning, when strong hostile forces punished his company with heavy fire, S/Sgt. Miller assumed the task of destroying a well-placed machinegun. He was knocked down by a rifle grenade as he climbed an open stairway in a house, but pressed on with a bazooka to find an advantageous spot from which to launch his rocket. He discovered that he could fire only from the roof, a position where he would draw tremendous enemy fire. Facing the risk, he moved into the open, coolly took aim and scored a direct hit on the hostile emplacement, wreaking such havoc that the enemy troops became completely demoralized and began surrendering by the score. The following day, in Metz, he captured 12 more prisoners and silenced an enemy machinegun after volunteering for a hazardous mission in advance of his company's position. On 29 November, as Company G climbed a hill overlooking Kerprich Hemmersdorf, enemy fire pinned the unit to the ground. S/Sgt. Miller, on his own initiative, pressed ahead with his squad past the company's leading element to meet the surprise resistance. His men stood up and advanced deliberately, firing as they went. Inspired by S/Sgt. Miller's leadership, the platoon followed, and then another platoon arose and grimly closed with the Germans. The enemy action was smothered, but at the cost of S/Sgt. Miller's life. His tenacious devotion to the attack, his gallant choice to expose himself to enemy action rather than endanger his men, his limitless bravery, assured the success of Company G. 
    1944 -- John Hopkins hospital performs first open heart surgery.
    1947 ---Despite strong Arab opposition, the United Nations votes for the partition of Palestine and the creation of an independent Jewish state.
    1948- “ Kukla, Fran and Ollie” premiered on TV. This popular children’s show featured puppets created and handled by Burr Tillstrom and was equally popular with adults. Fran Allison was the only human on the show. Tillstrom’s lively and eclectic cast of characters, called the “Kuklapolitans,” included the bald, high-voiced Kukla, the big-toothed Oliver J. Dragon (OIIie), Fletcher Rabbit, Cecil Bill, Beulah the Witch, Colonel Crackie, Madame Ooglepuss and Dolores Dragon. Most shows were performed without scripts.
   1950--MYERS, REGINALD R. Medal of Honor
Rank and organization: Major, U.S. Marine Corps, 3d Battalion, 1st Marines, 1st Marine Division, (Rein.). Place and date: Near Hagaru-ri, Korea, 29 November 1950. Entered service at: Boise, Idaho. Born: 26 November 1919, Boise, Idaho. Citation: For conspicuous gallantry and intrepidity at the risk of his life above and beyond the call of duty as executive officer of the 3d Battalion, in action against enemy aggressor forces. Assuming command of a composite unit of Army and Marine service and headquarters elements totaling approximately 250 men, during a critical stage in the vital defense of the strategically important military base at Hagaru-ri, Maj. Myers immediately initiated a determined and aggressive counterattack against a well-entrenched and cleverly concealed enemy force numbering an estimated 4,000. Severely handicapped by a lack of trained personnel and experienced leaders in his valiant efforts to regain maximum ground prior to daylight, he persisted in constantly exposing himself to intense, accurate, and sustained hostile fire in order to direct and supervise the employment of his men and to encourage and spur them on in pressing the attack. Inexorably moving forward up the steep, snow-covered slope with his depleted group in the face of apparently insurmountable odds, he concurrently directed artillery and mortar fire with superb skill and although losing 170 of his men during 14 hours of raging combat in subzero temperatures, continued to reorganize his unit and spearhead the attack which resulted in 600 enemy killed and 500 wounded. By his exceptional and valorous leadership throughout, Maj. Myers contributed directly to the success of his unit in restoring the perimeter. His resolute spirit of self-sacrifice and unfaltering devotion to duty enhance and sustain the highest traditions of the U.S. Naval Service. 
   1950--SITTER, CARL L. Medal of Honor
Rank and organization: Captain, U.S. Marine Corps, Company G, 3d Battalion, 1st Marines, 1st Marine Division (Rein.). Place and date: Hagaru-ri, Korea, 29 and 30 November 1950. Entered service at: Pueblo, Colo. Born: 2 December 1921, Syracuse, Mo. Citation: For conspicuous gallantry and intrepidity at the risk of his life above and beyond the call of duty as commanding officer of Company G, in action against enemy aggressor forces. Ordered to break through enemy-infested territory to reinforce his battalion the morning of 29 November, Capt. Sitter continuously exposed himself to enemy fire as he led his company forward and, despite 25 percent casualties suffered m the furious action, succeeded in driving through to his objective. Assuming the responsibility of attempting to seize and occupy a strategic area occupied by a hostile force of regiment strength deeply entrenched on a snow-covered hill commanding the entire valley southeast of the town, as well as the line of march of friendly troops withdrawing to the south, he reorganized his depleted units the following morning and boldly led them up the steep, frozen hillside under blistering fire, encouraging and redeploying his troops as casualties occurred and directing forward platoons as they continued the drive to the top of the ridge. During the night when a vastly outnumbering enemy launched a sudden, vicious counterattack, setting the hill ablaze with mortar, machine gun, and automatic-weapons fire and taking a heavy toll in troops, Capt. Sitter visited each foxhole and gun position, coolly deploying and integrating reinforcing units consisting of service personnel unfamiliar with infantry tactics into a coordinated combat team and instilling in every man the will and determination to hold his position at all costs. With the enemy penetrating his lines in repeated counterattacks which often required hand-to-hand combat, and, on one occasion infiltrating to the command post with hand grenades, he fought gallantly with his men in repulsing and killing the fanatic attackers in each encounter. Painfully wounded in the face, arms, and chest by bursting grenades, he staunchly refused to be evacuated and continued to fight on until a successful defense of the area was assured with a loss to the enemy of more than 50 percent dead, wounded, and captured. His valiant leadership, superb tactics, and great personal valor throughout 36 hours of bitter combat reflect the highest credit upon Capt. Sitter and the U.S. Naval Service.
    1950--*PAGE, JOHN U. D.
Rank and organization: Lieutenant Colonel, U.S. Army, X Corps Artillery, while attached to the 52d Transportation Truck Battalion. Place and date: Near Chosin Reservoir, Korea, 29 November to 10 December 1950. Entered service at: St. Paul, Minn. Born: 8 February 1904, Malahi Island, Luzon, Philippine Islands. G.O. No.: 21, 25 April 1957. Citation: Lt. Col. Page, a member of X Corps Artillery, distinguished himself by conspicuous gallantry and intrepidity in action above and beyond the call of duty in a series of exploits. On 29 November, Lt. Col. Page left X Corps Headquarters at Hamhung with the mission of establishing traffic control on the main supply route to 1st Marine Division positions and those of some Army elements on the Chosin Reservoir plateau. Having completed his mission Lt. Col. Page was free to return to the safety of Hamhung but chose to remain on the plateau to aid an isolated signal station, thus being cut off with elements of the marine division. After rescuing his jeep driver by breaking up an ambush near a destroyed bridge Lt. Col. Page reached the lines of a surrounded marine garrison at Koto-ri. He then voluntarily developed and trained a reserve force of assorted army troops trapped with the marines. By exemplary leadership and tireless devotion he made an effective tactical unit available. In order that casualties might be evacuated, an airstrip was improvised on frozen ground partly outside of the Koto-ri defense perimeter which was continually under enemy attack. During 2 such attacks, Lt. Col. Page exposed himself on the airstrip to direct fire on the enemy, and twice mounted the rear deck of a tank, manning the machine gun on the turret to drive the enemy back into a no man's land. On 3 December while being flown low over enemy lines in a light observation plane, Lt. Col. Page dropped hand grenades on Chinese positions and sprayed foxholes with automatic fire from his carbine. After 10 days of constant fighting the marine and army units in the vicinity of the Chosin Reservoir had succeeded in gathering at the edge of the plateau and Lt. Col. Page was flown to Hamhung to arrange for artillery support of the beleaguered troops attempting to break out. Again Lt. Col. Page refused an opportunity to remain in safety and returned to give every assistance to his comrades. As the column slowly moved south Lt. Col. Page joined the rear guard. When it neared the entrance to a narrow pass it came under frequent attacks on both flanks. Mounting an abandoned tank Lt. Col. Page manned the machine gun, braved heavy return fire, and covered the passing vehicles until the danger diminished. Later when another attack threatened his section of the convoy, then in the middle of the pass, Lt. Col. Page took a machine gun to the hillside and delivered effective counter fire, remaining exposed while men and vehicles passed through the ambuscade. On the night of 10 December the convoy reached the bottom of the pass but was halted by a strong enemy force at the front and on both flanks. Deadly small-arms fire poured into the column. Realizing the danger to the column as it lay motionless, Lt. Col. Page fought his way to the head of the column and plunged forward into the heart of the hostile position. His intrepid action so surprised the enemy that their ranks became disordered and suffered heavy casualties. Heedless of his safety, as he had been throughout the preceding 10 days, Lt. Col. Page remained forward, fiercely engaging the enemy single-handed until mortally wounded. By his valiant and aggressive spirit Lt. Col. Page enabled friendly forces to stand off the enemy. His outstanding courage, unswerving devotion to duty, and supreme self-sacrifice reflect great credit upon Lt. Col. Page and are in the highest tradition of the military service.
    1952-President-elect Dwight D. Eisenhower flew to Korean, fulfilling his campaign promise, and inspected the UN forces there. On a three-day tour, he visited front-line positions. the tour was kept secret until he had returned from the zone of danger.
    1952---Top Hits
You Belong to Me - Jo Stafford
Glow Worm - The Mills Brothers
Lady of Spain - Eddie Fisher
Jambalaya (On the Bayou) - Hank Williams
    1953-The first transcontinental nonstop two-way airplane service by American Airlines, using Douglas DC-7th, between International Airport, Los Angeles, Ca., and Idlewild International Airport, New York City, a distance of 2,540 miles. The eastbound flight was scheduled for 7 hours 15 minutes and the westbound flight for 7 hours 35 minutes. It would not be until 1959 for the first four-engine American Airlines Boeing 707 to take 112 passengers and eight member crew, 4 hours, 3 minutes, 3 seconds to make the flight. The plane was piloted by Captain Charles Macatee of Huntington, NY. The fare was $158.83 one way plus tax and $301.90 round trip plus tax. On December 28, 1961 American Airlines was the first to carry 100 million passengers.
    1957—Birthday of Janet Napolitano – Governor of Arizona, elected 2002—born Albuquerque, New Mexico.
    1959 - The Grammy Awards were shown on network television for the first time. (It was actually the second year of the Grammy Awards.) "Mack the Knife" won Record of the Year and Bobby Darin, who belted it out, was Best New Artist of the Year. Frank Sinatra won Album of the Year for "Come Dance with Me". Jimmy Driftwood penned the Song of the Year: "The Battle of New Orleans", which also won Country and Western Performance of the Year honors for Johnny Horton. The Best Folk Performance of the Year went to The Kingston Trio for their " Large" recording. The Best Performance by a Top 40 Artist was Nat King Cole’s "Midnight Flyer" and the Grammy for Best Comedy Performance, Musical, went to Homer & Jethro for their immortal "The Battle of Kookamonga".
    1960---Top Hits
Are You Lonesome To-night? - Elvis Presley
Last Date - Floyd Cramer
A Thousand Stars - Kathy Young with The Innocents
Wings of a Dove - Ferlin Husky
    1962 - Major League Baseball made the decision to return to playing only one All-Star Game a year as of 1963. Since 1959, there had been two games each year. 
    1963 - Beatles released "I Want to Hold Your Hand." Within three days, the record will have sold one million copies, making it their second million seller.
    1963 - United States President Lyndon Johnson named a commission, led by Chief Justice Earl Warren, to investigate the assassination of President John Kennedy.
    1964 - No. 1 Billboard Pop Hit: "Ringo," Lorne Greene. Greene, star of the NBC show "Bonanza," is only the second Canadian to have a No. 1 hit in the United States.
    1966--- Elvis hears Tom Jones' version of "Green Green Grass Of Home" on the radio just outside Little Rock, and calls the radio station to hear it several times. Elvis would eventually cover the song.
    1966--- The Beatles records "Strawberry Fields Forever"
    1968---Top Hits
Hey Jude - The Beatles
Love Child - Diana Ross & The Supremes
Abraham, Martin and John - Dion
Stand By Your Man - Tammy Wynette
    1968 - Jon Knight of New Kids on the Block is born. He is the oldest member of the pop group from Boston. His brother Jordan is also in the group.
    1968-Advance orders exceed 700,000 and The Who release their first concept record, "The Who Sell Out."
    1969 --Beatles' "Come Together," single goes #1
    1969 - Dense fog along the New Jersey turnpike resulted in a deadly chain reaction during the morning rush hour. A propane tanker jackknifed and was struck by other tractor trailers and cars. 6 were killed in the fiery mess
    1969--PRUDEN, ROBERT J. Medal of Honor
Rank and organization: Staff Sergeant, U.S. Army, 75th Infantry, Americal Division. Place and date: Quang Ngai Province, Republic of Vietnam, 29 November 1969. Entered service at: Minneapolis, Minn. Born: 9 September 1949, St. Paul, Minn. Citation: For conspicuous gallantry and intrepidity in action at the risk of his life above and beyond the call of duty. S/Sgt. Pruden, Company G, distinguished himself while serving as a reconnaissance team leader during an ambush mission. The 6-man team was inserted by helicopter into enemy controlled territory to establish an ambush position and to obtain information concerning enemy movements. As the team moved into the preplanned area, S/Sgt. Pruden deployed his men into 2 groups on the opposite sides of a well used trail. As the groups were establishing their defensive positions, 1 member of the team was trapped in the open by the heavy fire from an enemy squad. Realizing that the ambush position had been compromised, S/Sgt. Pruden directed his team to open fire on the enemy force. Immediately, the team came under heavy fire from a second enemy element. S/Sgt. Pruden, with full knowledge of the extreme danger involved, left his concealed position and, firing as he ran, advanced toward the enemy to draw the hostile fire. He was seriously wounded twice but continued his attack until he fell for a third time, in front of the enemy positions. S/Sgt. Pruden's actions resulted in several enemy casualties and withdrawal of the remaining enemy force. Although grievously wounded, he directed his men into defensive positions and called for evacuation helicopters, which safely withdrew the members of the team. S/Sgt. Pruden's outstanding courage, selfless concern for the welfare of his men, and intrepidity in action at the cost of his life were in keeping with the highest traditions of the military service and reflect great credit upon himself, his unit, and the U.S. Army
    1969-Elvis Presley's LP "From Memphis to Vegas / From Vegas to Memphis" reaches the Billboard album chart, where it will stay for the next 24 weeks, climbing as high as #12. 
    1972--"Why Don't You Believe Me" by Joni James topped the charts and stayed there for 6 weeks.
    1972 - "Papa Was a Rollin' Stone" by The Temptations starts climbing to the top. A version of the song by the Undisputed Truth was released four months before the Temptations single but only reaches No. 63 on Billboard's Hot 100.
    1975 - Red River, NM records 34 inches of snow in 24 hours to set the state snowfall record.
    1975 ---Kilauea Volcano erupts in Hawaii.
    1975 - Silver Convention had the United States' #1 pop tune, with "Fly, Robin, Fly".
    1976-- The Yankees sign free-agent Reggie Jackson to five-year, $3.5 million dollar contract. During Mr. October's tenure, the Bronx Bombers will win four divisions, three pennants and two World Series.
    1976---Top Hits
Tonight’s the Night (Gonna Be Alright) - Rod Stewart
The Wreck of the Edmond Fitzgerald - Gordon Lightfoot
The Rubberband Man - Spinners
Good Woman Blues - Mel Tillis
    1977-Kansas, riding the crest of popularity forged by the 1976 hit "Carry on Wayward Son," enjoys their biggest album to date, "Point of Know Return," which goes platinum.
    1978-Neil Young's 13th solo album, "Comes a Time," goes gold.
    1979-Michael Jackson receives a gold record for "Don't Stop 'til You Get Enough," the first of four Top Ten hits from his album, "Off the Wall." Both "Don't Stop..." and "Rock With You" will hit Number One on the soul and pop charts. Also the album will be a Number One pop and soul LP.
    1981 - Film actress Natalie Wood drowned off the California coast. Wood, her husband Robert Wagner, and actor Christopher Walken, were aboard the Wagners' yacht, Splendour. Sometime during the night, Wood fell overboard, unbeknownst to those on board. Her body was found after a seven-hour search, 200 yards from a small, motorized dinghy in a rocky cove off Catalina Island. Her death was believed to be alcohol-related, and foul play was ruled out. The beautiful Oscar-nominated actress was 43 at the time of her death. Wood's list of film credits included Miracle on 34th Street, Rebel Without a Cause, West Side Story, Splendour in the Grass, Love with the Proper Stranger, Inside Daisy Clover, Bob and Carol and Ted and Alice, and, her last film, which was still in production at the time of her death, Brainstorm. 
    1983 - It was a new record when the Dow Jones industrial average closed at 1287.20. 
    1984---Top Hits
Wake Me Up Before You Go-Go - Wham!
I Feel for You - Chaka Khan
Out of Touch - Daryl Hall & John Oates
You Could’ve Heard a Heart Break - Johnny Lee
    1985 -the temperature at Bismarck, ND plunged to 30 below zero to set a November record.
    1986 - Debuting at #1 on the album charts was the blockbuster five-record set, "Bruce Springsteen & The E Street Band Live/1975-85". Prior to this, no five-record set had hit the top 25, and no five-record set had ever gone platinum. The price for the set was $25.
    1986-"You Give Love a Bad Name" by Bon Jovi topped the charts and stayed there for a week.
    1987 - No. 1 Billboard Pop Hit: "Heaven Is a Place on Earth," Belinda Carlisle. The song is the first No. 1 hit for the former lead singer of the Go-Go's and comes from her second solo album.
    1988 - Nine inches of snow at Alta UT brought their total for the month to 164 inches, surpassing their previous November record of 144 inches. Snowbird UT, also in the Little Cottonwood Valley, surpassed their November record of 118 inches of snow.
    1989 - Strong Santa Ana winds diminished over southern California, but record cold was reported in some of the California valleys, with readings of 27 degrees at Redding and 31 degrees at Bakersfield. Gale force winds, gusting to 44 mph at Milwaukee WI, produced snow squalls in the Great Lakes Region. Sault Ste Marie MI finished the month of November with a record 46.8 inches of snow. 
    1991 - an F4 tornado tracked 10 miles from Nixa to Springfield, MO killing 2, injuring 64 and doing over $15 million in damages
    1997- Eddie Robinson ended his 56-year college football coaching career with a loss as Southern Univer­sity beat his Grambling Tigers, 30—7, in the Bayou Clas­sic. Robinson, who started coaching in 1941, compiled a record of 408—165—15. His teams won or shared 17 South­western Athletic Conference titles and eight black college national championships. Grambling’s record in Robin­son s last year was 3—8.
    2000 --Florida ... Recount Reveals Nader Defeated 
TALLAHASSEE, FL-- A third recount by Florida election officials has "definitively determined" that Green Party candidate Ralph Nader was defeated. 
"There was a very significant 25,603-vote discrepancy between the first two counts, with Nader losing by respective margins of 2,812,339 & 2,837,942, so we decided to conduct hand recount," Florida Attorney General Jim Smith recounted. 
"We now know that Nader lost by precisely 2,821,278 votes."
Nations goes nuts about Florida vote and its affect on the presidential election.
    2001-- George Harrison passes away at age 58 after a long battle with lung cancer while resting at the home of a friend home in Los Angeles. His family's official statement read, in part: "He left this world as he lived in it, conscious of God, fearless of death, and at peace, surrounded by family and friends. He often said, 'Everything else can wait but the search for God cannot wait, and love one another.'"




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