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

Tuesday, November 8, 2016

Today's Equipment Leasing Headlines

Christopher J. DiBello Passes Away
  Active in Leasing Northeast
Position Wanted – Credit
  Work Remotely or Relocate for Right Opportunity
Top Stories: October 31- November 3
   (Opened Most by Readers)
Top Ten Leasing Company Websites in North America
   November 2016
Alternate Financing Websites
    Top 12
Letters?---We get Email!
   From Readers/Chronologically
Leasing Industry Ads---Help Wanted
   Join a Leading Organization
Wants to Work in Bank in Credit Capacity
Career Crossroad---By Emily Fitzpatrick/RII
Bank Leasing Companies
   Leasing 102 by Mr. Terry Winders, CLFP
Total Auto Financing Balances Grew by 9 percent
    Year-over-Year during the Third Quarter
PrimeLending to Pay $1.6 Million-Plus
  to Settle Mortgage Interest Overcharge Case
Coonhound/Redbone Mix
Hopkington, Massachusetts  Adopt-a-Dog
  Leasing News Classified Ads
   Asset Management
News Briefs---
LendingClub Shares Surge as Loan Volume Stabilizes
"Third-quarter results top expectations"
LeaseQ Automates Truck Financing with TruckQ
 "Including Finance and Insurance”
Banking Technology Vendors Feel the Pinch
Banks letting contracts linger rather than shopping for tech upgrades
Wells Fargo's Stars Climbed While Abuses
      Flourished Beneath Them
Iran's Airbus Jet Purchase Gets Boost from Lease Deal
  for 17 Jets

Broker/Funder/Industry Lists | Features (writer's columns)
Top Ten Stories Chosen by Readers | Top Stories last six months (Be Careful of Doing Business)
Leasing News Icon for Android Mobile Device 

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

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

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Christopher J. DiBello Passes Away
Active in Leasing Northeast

Christopher J. DiBello, 49, passed away due to complications from a stroke. He spent his career in leasing working for the CIT Group, then GE Capital, joining Sun Microsystems as Regional Leasing Manager (May, 2005-June, 2007); Channel Account Manager, Dell Financial Services (June, 2007-February, 2014); Business Development, EverBank (February, 2014-November, 2014); joining NFS Leasing in Beverly, Massachusetts, as Vice President of Business Development, January, 2015.


He leaves his devoted wife of 20 years, Patricia A. (Tobin) DiBello; his adoring children, Marcus DiBello (12) and Lilliana “Lilly” DiBello (15), both of Bolton; his parents, Joseph and Gertrude (Yannario) DiBello of Grafton; his brother, Martin DiBello of Grafton; his two sisters, Jackie DiBello of Aspen, Col. and Marcia DiBello of Southborough; and his extended family in Atlanta, Ga. and New England. He was known as Uncle Chris by many nieces and nephews.

Born in Framingham, Chris lived his childhood in Southborough. He graduated from Algonquin Regional High School, class of 1986. He proudly wore #32 on his football jersey as a stand out Tomahawks football player. He graduated from Wagner College in Staten Island, N.Y. in 1990, and earned his B.S. in Business Administration.

Chris carried his passion for sports and spirit of kindness throughout his life. He enjoyed coaching youth hockey and sharing his love of competition. He also played in a men’s hockey league, #l at his golf game and enjoyed many boys’ vacations on Hilton Head Island, S.C. He ran in the Boston Marathon in 2001 and was a Reach the Beach Relay participant.

He had an amazing friendship line that carried from childhood mischief to 20-plus years of Patriots games with his dearest friends.

While Chris’ life was short, he lived it fully. He will be remembered as simply “a truly amazing person” who connected with every person he encountered.

In lieu of flowers, memorial donations may be made to the Chris DiBello #32 Fund, c/o DCU, 220 Donald Lynch Blvd., Marlborough, MA 01752.


Position Wanted – Credit
Work Remotely or Relocate for Right Opportunity

Each Week Leasing News is pleased, as a service to its readership, to offer completely free ads placed by candidates for jobs in the industry.  These ads also can be accessed directly on the website at:
Each ad is limited to (100) words and ads repeat for up to 6 months unless the candidate tells us to stop. Your submissions should be received here by the end of each week.

Please encourage friends and colleagues to take advantage of this service, including recent graduates and others interested in leasing and related careers. 


(Leasing News provides this ad as a trade for investigative
    reporting provided by John Kenny)


Top Stories: October 31- November 3
(Opened Most by Readers)

(1) The Issue of the Balboa Legal Case Not the BBB Rating, But the Actual BBB Complaints
by Christopher Menkin, Editor

(2) Dallin Hawkins Served with $53,000 Default Judgement
   Leasing News Bulletin Board Complaint Update

(3) ELFA Meets With California Officials
       To Discuss Lenders License Concerns

(4) Hanmi Bank Purchases Banc of California
      Commercial Equipment Finance Division

(5) Pictures from the Past - 1991
    Longest CLFP Member Awards Certificate

(6) New Hires/Promotions in the Leasing Business
         and Related Industries

(7) Story Credit Lessors - Lenders List - Updated
      "C" & "D" Lessees, Business Loans, Working Capital

(8) Two Leasing/Finance Conferences This Month
    List of Attendees at NAELB/NEFA-Plus Exhibitors NAELB

(9) DocuSign Introduces Payment at Signing
         by Philip Ryan, Bank Innovations

(10) Wells Fargo's Legal Mess Just Got Worse
 ---litigation losses could be $1.7 billion "in excess of" 




Top Ten Leasing Company Websites in North America

Ranking positions remained the same. All increased over USA traffic ratings except for CIT; however, World Wide rating went up.
Times on Site improved for all, including CIT.

 (The lower the rating, the higher of the list of websites visited
the most, according to

Sites’ Visitors United States
Sites’ Visitors World Wide
Daily Time on Site
Visits to Sites from Search Engine
Sites Linking In

Time on Site: 13.20
Previous: 14:16
USA Alexa Traffic Rating: 59,084
Previous: 68,069
WWW: 362,789
Previous: 381,795
Sites Linking In: 606
Previous: 629
% from Search Engine: 8.6%
Previous:  6.8%

Time on Site: 2:20
Previous: 2:02
USA Alexa Traffic Rating: 60,330
Previous: 69,024
WWW:  230,649
Previous:  233,053
Sites linking in: 436
Previous: 446
% from Search Engine:
Previous: 18.5%

Time on Site: 3:13
Previous: 2:45
USA Alexa Traffic Rating: 83,761
Previous: 79,412
WWW: 242,646
Previous: 248,365
Sites Linking in: 481
Previous: 519
% from Search Engine: 8.8%
Previous: 8.6%

Time on Site: 4:08
Previous: 3:52
USA Alexa Traffic Rating:  88,468
Previous: 106,963
WWW: 556,878
Previous: 574,336
Sites Linking in: 53
Previous: 55
% from Search Engine: 18.3%
Previous: 15.7%

Time on Site: 2:15
Previous: 2:27
US Alexa Traffic Rating: 105,715
Previous: 135,406
WWW: 668,237
Previous: 674,657
Sites Linking in: 136
Previous: 137
% from Search Engine: 18.10%
Previous: 14.1%

Time on Site: 3:42
USA Alexa Traffic Rating: 229,526
WWW: 1,111,108
Sites Linking In: 29
% from Search Engine: 7.6%

Time on Site: 4:17
USA Alexa Traffic Rating: 347,191
WWW: 2,149,373
Sites Linking In: 166
% from Search Engine: 3.2%

Time on Site: 2:54
USA Alexa Traffic Rating:  349,962
WWW: 1,468,971
Sites Linking In: 32
% from Search Engine: 18.3%

Time on Site: 1:54
USA Alexa Traffic Rating: 359,160
WWW: 1,371,255
Sites Linking In: 137
% from Search Engine: 11.10%

Time on Site: 2:95
USA Alexa Traffic Rating: 493,239
WWW: 3,611,624
Sites Linking In: 22
% from Search Engine: 35.7%

Note: Many leasing companies affiliated with banks are included in the bank website and therefore an independent rating of visitors is not available.

Readers can find out ratings of their company or other companies by going here:



Alternate Financing Websites
Top 12

(The lower the rating, the higher of the list of websites visited
the most, according to

Sites’ Visitors United States
Sites’ Visitors World Wide
Daily Time on Site
Visits to Sites from Search Engine
Sites Linking In

Readers can find out ratings of their company or other companies by going here:

Note: Two Alternate Financing companies are foreign based, such as Funding Circle and Lendit (United Kingdom), and are active in the United States. Many of these companies on the list do consumer transactions. It is difficult to compare them with the leasing websites which are all commercial based traffic, not consumer.

It should also be noted many offer various financing such as factoring, merchant advance, even real estate loans, as well as business loans and equipment financing. Thus they are visited more often as they offer several financial products. Most important, they are also aimed at subprime credit clients, as they offer “alternate financing,” often saying in their advertising they do deal that “banks turn down.”



Letters?---We get eMail!
From Readers/Chronologically


ELFA 55th Annual Convention Report
Palm Desert, California
By Bruce Kropschot, The Alta Group

"Really liked the ELFA article.  I emailed Bruce and thanked him for writing that!"

Barbara Griffith
Southern California Leasing


Pictures from the Past---1979
Sam Eichenfeld

"Thank you for printing that Sam had died.  I was unaware but was an avid member of the AAEL prior to it evolving into the ELFA in time.  I am happy with the NAELB as overall it is a better fit for a broker.  However good memories of the AAEL.  Rest in Peace, Sam, you are a good guy."

Kind regards,


Charles L. (Bud) Callahan, Jr. CLFP, BPB
National Equipment Leasing



"Thank you for promoting our conferences and lectures.  We very much appreciate

"One day I would love to be interviewed about 'Leasing in China'."

Sudhir P. Amembal
Chairman & CEO
Amembal & Halladay


"I hope this email finds you well.  I'd like to ask you to remove MLPI from your "Funders accepting broker business" list.  As of this month, MLPI is no longer taking in broker business, but we do get calls from time to time from folks who saw us on your list.

"Thank you for your assistance.

"Best regards,"

Nicholas Marce
Executive Vice President
Manufacturers Lease Plans, Inc.
MLPI Transport Finance, LLC


"I just wanted to check in and let you know that it’s a great time to be a leasing broker. We are having our best year since the financial crisis and funding sources are very aggressive with pricing and credit. Hopefully these positive trends will continue."


Brian Cornell
Bear Mountain Leasing


It’s been awhile since I reached out. Thanks for all that you do at Leasing News it has been a terrific source of learning for me these past 5 years.

Vernon Tirey





Wants to Work in Bank in Credit Capacity
Career Crossroad---By Emily Fitzpatrick/RII

Question: I have been in credit throughout my career with non-banking institutions. I am currently interested in getting into a credit role with a bank. So far, I have not been successful in even securing an interview! Can you provide some insight?

Answer: Typically, someone interested in the banking industry has determined this early in their career and have worked themselves up the ladder; often beginning as an intern and/or through a training program.

Banks are typically looking for candidates who:

    • have been formally bank-credit trainee
    • possess a bachelor’s degree (a master’s degree is a plus!)
    • are continuously being educated/certified in credit/risk policies, etc...
    • have been in a credit/risk role dealing with the same business products and services that the bank does (e.g. commercial credit, consumer credit, mortgage lending, collections, etc.) In other words, banks have certain niches in which they specialize in and/or have many divisions/business units/subsidiaries that specialize in various products and services – they want Candidates that have credit experience with those types of products

If you do not meet any of the above criteria and are not new to the workforce:

  • Take some junior college courses on credit/banking.
  • Work for a finance or thrift company.
  • Work in collections or business approving accounts.

Education is the key as it develops a well-rounded personality and increases your knowledge and creativity.

It is not an impossible feat; however, you will be competing with many that do meet their requirements. Be ready to present a compelling reason why you would be someone to be considered for the role! 

Emily Fitzpatrick
Sr. Recruiter
Recruiters International, Inc.
Phone:  954-885-9241
Cell:  954-612-0567
Invite me to Connect on LinkedIn
Also follow us on Twitter #RIIINFO

Career Crossroads Previous Columns



“Bank Leasing Companies”

Legal authority to lease for non-regulated Lessors is a non-issue, however for Banks they are generally authorized by the corporate law of their incorporating jurisdiction to lease personal and real property. Bank leasing is divided into three categories: National banks, leasing operations owned directly by the Bank holding Company and State chartered banks. Also, any foreign banks engaged in leasing also fall under the same rules as the bank holding companies. The three distinctions are necessary because of the bank regulations that govern each type of bank.

National Banks are federally chartered and are regulated by the office of the Comptroller of the Currency (OCC) under the National Bank Act. Their regulations are covered in two parts based on the size of the lease portfolio. The first comes from 12 U.S.C. #24 (seventh), and leases done under such authority are termed section 24 Leases. The second comes from 12 U.S.C. #24 (tenth), enacted as part of the Competitive Equality Banking Act of 1987 (CEBA) and these leases are called CEBA Leases. Both of these leases have the following restrictions:

Net Lease: The Bank may not, directly, or indirectly, provide for or be obligated to provide for:

  1. The servicing, repair or maintenance of the leased property
  2. Parts or accessories for such property
  3. The loan of replacement or substitute property while the leased property is being serviced.
  4. The payment of insurance for the Lessee (except where the Lessee has failed in its contractual obligation to purchase or maintain required insurance) or
  5. The renewal of any license or registration for the leased property, unless such renewal is necessary to protect its interest as owner or financier of such property,

Full Payout Requirement: The bank must reasonably expect to receive its investment back from the rents, tax advantages (depreciation), and residuals.
The major difference between Section 24 (seventh) Leases and CEBA Leases is the reliance on residuals to meet the full payout requirement. The Section 24 leases only allow for a 25% maximum un-guaranteed residual risk and a maximum residual up to 50% with the second, or top half, of the residual guaranteed by a credit worthy insurer or vendor. The Competitive Equality Bank Act requirements allow for unrestricted residuals except the lease portfolio with residuals in excess of 25%, unguaranteed, may not exceed 10% of the banks consolidated assets.

One additional provision usually found in the leasing policy of most banks is the restriction of supporting the Lessee’s selection of the leased asset. If the suggestion of the bank were used to decide on the equipment, or the vendor, then the net lease provisions established to protect the rent stream from interruption could be in danger from poor equipment performance. A National bank needs to be a third party to the lease and not be responsible for equipment performance in anyway. This also prevents the bank from including any form of maintenance in the lease arrangement. Any service contract, or maintenance agreement, must be separate and not the responsibility of the bank. No prepayment for supplies, or inventory paid to the vendor for future delivery is allowed either.

Separate records for each type of lease (Section 24 or CEBA) must be kept to distinguish such leases from each other. This requirement is designed to permit the OCC to more easily monitor the separate requirements for the two types of leases.

Leasing under a Bank Holding Company
In 1956, Congress enacted The Bank Holding Company Act (BHC). Then, in 1970, they gave permission to bank holding companies to engage in activities which they determined to be closely related to banking and amended BLC regulations under “Regulation Y“ to provide authority for bank holding companies to engage in personal property equipment leasing. The rules required in 1974 that the maximum unguaranteed residual was 20% or up to 60%, if the excess was guaranteed, and the lease had to be a net lease and a full payout, much like required by the OCC.

In 1987, following the enactment of CEBA for National Banks, several bank holding companies requested and obtained permission to do leasing, subject to limitations similar to those imposed by CEBA. In 1992, Regulation Y was further amended to include higher residuals except it contained a limitation for aggregate book assets of all tangible personal property, subject to residuals over 25%, was limited to 10% of the bank holding company’s consolidated domestic and foreign assets.

State Banks
State banks are usually governed by their State Department of Banking and while some of them have adopted similar regulations to the OCC, in Some States, they are less restrictive. However, many State banks are members of the Federal Reserve System and are regulated at the Federal Level by the Board. The Board permits the same activities as permitted in the BHC. Also those State Banks which are insured by the Bank Insurance Fund, administered by the Federal Deposit Insurance Corporation (FDIC), are further limited to similar requirements for National Banks under the OCC

An industrial loan company (ILC) or industrial bank is an institution in the United States that lends money, and may be owned by non-financial institutions. Though such banks offer FDIC-insured deposits and are subject to FDIC and state regulator oversight, a debate exists to allow parent companies such as Wal-Mart to remain unregulated by the financial regulators. "FDIC-insured entities are subject to Sections 23A and 23B of the Federal Reserve Act, which limits bank transactions with affiliates, including the parent company." ( The ILC is permitted to have branches in multiple states (which is permitted by many states on a reciprocal basis). They are state-chartered, and insured by the FDIC. They are currently chartered by seven states, with most chartered by Utah. Other states permitting them include CaliforniaColoradoMinnesotaIndianHawai, and Nevada.

Companies that have set up industrial banks include UBS, CIT, General Motors, Merrill Lynch & Co. Inc., Morgan Stanley, American Express Co. Target Corp, Nordstrom, Harley-Davidson, First Data, UnitedHealth Group, BMW, Marlin, CIT, Fry’s Electronics, and Sallie Mae.

Previous #102 Columns:



Total Auto Financing Balances Grew by 9 percent
Year-over-Year during the Third Quarter

Average balances hit highest point in 7 years

CHICAGO - According to TransUnion’s Q3 2016 Industry Insights Report powered by Prama analytics, total auto financing balances grew by 9 percent year-over-year during the third quarter.

TransUnion pegged the total balance reading at $1.1 trillion, up from $1.01 trillion in Q3 2015.

Analysts noticed subprime balances experienced the largest increase, with 11.4 percent year-over-year growth. Despite this increase, subprime balances accounted for just $172 million of the $1.1 trillion in total balances in Q3.

Jason Laky
Senior Vice President

“Subprime balance growth outpaced overall growth in the auto loan sector in the third quarter, but subprime consumers’ share of balances has remained steady in the last few years,” said Jason Laky, senior vice president and automotive and consumer lending business leader for TransUnion.

“We’re observing increased delinquency rates, but this is a natural function of more non-prime consumers with an auto loan,” Laky continued.

“We hope that steady job growth and wage gains will enable delinquencies to continue at low rates and support continued auto sales growth, though potentially at a more moderate pace than in recent years,” he went on to say.

In the third quarter, 79.3 million consumers had some kind of auto financing, up 6.2 percent from 74.7 million in Q3 of last year. The average balance per consumer was $18,361, the highest level since Q3 2009.

One year prior, the average auto financing balance was $17,946.

The report also found that auto loan delinquency, for consumers 60 days or more past due, reached 1.33 percent in Q3 2016, up from 1.19 percent in the third quarter of 2015.

Auto originations, viewed one quarter in arrears, grew at the slowest annual pace since the Great Recession. Total originations were 7.27 million in Q2 of this year, up slightly from 7.24 million in Q2 of last year.

TransUnion indicated originations to non-prime consumers — individuals with a VantageScore 3.0 score of 660 and below — declined for the first time since Q3 2010.

“The second quarter of 2016 marked the first sign of a slowdown in non-prime originations, but the flat growth in total originations was in line with the expected plateauing of new-vehicle sales,” Laky said.

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



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

PrimeLending to Pay $1.6 Million-Plus
to Settle Mortgage Interest Overcharge Case

Includes Refunds for Hundreds of Borrowers, Penalties

SACRAMENTO – The Department of Business Oversight (DBO) announced a settlement with PrimeLending that requires the mortgage lender to pay more than $1.6 million to resolve allegations it overcharged hundreds of California borrowers for interest. 

Jan Lynn Owen
DBO Commissioner

“These interest overcharges are one of the most common violations we find in our regulatory examinations of mortgage lenders,” said DBO Commissioner Jan Lynn Owen.  “We will continue to aggressively fight this unlawful nickel-and-diming of California consumers.  I’m pleased this settlement provides restitution to so many wronged borrowers.” 

The settlement includes $319,524 of refunds already provided by PrimeLending to hundreds of customers based on the firm’s own audit of 20,474 loan files – an audit ordered by the DBO.  PrimeLending will pay restitution to additional borrowers based on the results of a new, independent audit required by the settlement.
PrimeLending, a non-bank mortgage lender and servicer, also will pay $1.3 million in penalties.  PrimeLending will pay additional penalties for interest overcharges found by the independent audit. 

The enforcement action grew out of two regulatory examinations conducted by the DBO.  PrimeLending is licensed and regulated by the DBO under the California Residential Mortgage Lending Act.  In 2015, PrimeLending originated 5,498 mortgages in California with a combined principal of $1.96 billion.  The number represented 28.7 percent of PrimeLending’s U.S. total, the combined principal 39.4 percent. 

Under California law, lenders cannot start charging interest on mortgage loans prior to the business day that immediately precedes the day the loan proceeds are disbursed.  PrimeLending violated that statutory restriction on so-called per diem interest. 

After the DBO twice informed PrimeLending about the violations, the firm failed to respond in a timely or satisfactory manner, according to the consent order that contains the settlement terms.  PrimeLending started to cooperate fully in 2015, the consent order said, when the DBO informed the company it planned to file an enforcement action to suspend the firm’s license to conduct business in the state. 
The DBO licenses and regulates more than 360,000 individuals and entities that provide financial services in California.  DBO’s regulatory jurisdiction extends over state-chartered banks and credit unions, money transmitters, securities broker-dealers, investment advisers, non-bank installment lenders, payday lenders, mortgage lenders and servicers, escrow companies, franchisors and more. 

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

Please Click on Bulletin Board to learn more information
Leasing News provides this ad “gratis” as a means
to help support the growth of Lease Police


Coonhound/Redbone Mix
Hopkington, Massachusetts  Adopt-a-Dog

Tater Tot
4 Years Old

"I'm happiest when close to people. I also love to run and play with other dogs. Being out in a fenced yard would be awesome!  I am too interested in cats to be living with them!

"My human friends say I'm good on walks-I love checking out the neighborhood!

"I'm polite, rarely bark, and am already housebroken. Because of my good behavior, I have the run of the house with my foster parents. I like when they come home and tell me what a good boy I am!

"I need my forever home to be a calm, adult only place where there is no pressure from lots of noise, people or kids. Although I love to chill out, I can be very timid around new things like walking through doorways, seeing reflections from TVs and skylights. I just need someone loving and patient who'll give me the time to get to know the lay of the land.  I also need time to get to know someone before being comfortable with having my space invaded so I will need someone who can help keep me feeling safe."


In Foster Home


BayPath Humane Society of Hopkinton
5 Rafferty Road
Hopkington, MA 01748
Phone: 508-435-6938

We're open for adoptions between 11:30AM – 4:30PM daily,
except for Tuesdays when the shelter is closed.


Adopt a Pet




Asset Management

Asset Management: Minneapolis, MN
NetSentric provides services to leasing companies: Inspection, Appraisals, Auditing, Warehousing, Repossession, Asset Management, Repairs, Remarketing and Field Service for Electronics and Computing Technology.

Asset Management: Boston, MA
Nationwide appraisals, remarketing, audits, inspections and more! Over 15-years industry experience and dedicated to deliver personal, prompt, professional services. 
Call Chris @ 508-785-1277 
Asset Management: Monroe, NC
Recover a greater return on your investment.  We specialize in the woodworking, pallet, sawmill and forestry industries.

Melinda Meier (704)288-1904 x103

Seasoned and fair priced workforce is at your service for all lease collections, repossessions, and asset liquidations, appraisals.  Call Nassau Asset Management 800-462-7728 

Asset Storage/Re-Marketing: Ohio & surrounding states. Providing no cost warehousing, condition reports, digital photos and remarketing of off-lease forklifts & industrial equipment. NAFTA wide dealer network. Email to Asset Management
Melville, New York
Auctions, Appraisals, National Repossessions.  ALL asset classes. 20+ year team works for you. Spend less, Net More… Fast!
Ed Castagna
Bulldog Asset Management provides recovery and remarketing services with a difference. Contingent repos, free storage and industry experts to remarket.
Asset Management: Global
Specializing in Semiconductor and Electronic Test Equipment collateral. Lender services include Consignment Sales, Remarketing, Portfolio Purchases, Inspections, De-installation, Repairs and Warehousing.


(Leasing News provides this ad as a trade for appraisals
and equipment valuations provided by Ed Castagna)


News Briefs---

LendingClub Shares Surge as Loan Volume Stabilizes
"Third-quarter results top expectations"

LeaseQ Automates Truck Financing with TruckQ
 "Including Finance and Insurance”

Banking Technology Vendors Feel the Pinch
Banks letting contracts linger rather than shopping for tech upgrades

Wells Fargo's Stars Climbed While Abuses
      Flourished Beneath Them

 Iran's Airbus Jet Purchase Gets Boost from Lease Deal
  for 17 Jets




--You May Have Missed It

What 'first class' looks like on planes around the world


American Football Poem

Walter Payton

How come Walter Payton
or “Sweetness” as we all knew him,
could not get a liver,
when he needed one.
He needed to keep on living

But drunk, old, Mickey Mantle
Jumped straight to the top of the donors list
And his liver was saturated in liquor
For the past couple of decades.
Nights of liquor stupor

At first, because he lost so much weight
People said it was “aids”
But he told the truth and said
“his liver was killing him.”

But Walter Payton, just kept quiet
Did good, won the respect of everyone
Played as hard as anyone could
And was loved by those near and far

But he is dead now
Maybe it was the liver that gave out
Maybe he just gave up
Maybe he knew it was his time to die
Before he got old

And did it his way
His style
Nothing special
Just a simple death
And fitting ending to a simple life
Where a transplanted liver
slightly smaller than
A football
Would have made all the difference
For the rest of us…

Oscar Mireles



Sports Briefs----

NFL Week 9 overreactions: Are Colts on verge of breakthrough?

The NFL standings are a beautiful mess

Steph Curry sets record for 3's made in a game (13)


California Nuts Briefs---

City attorney sues Millennium developer — says buyers duped

Menlo Park approves Facebook expansion along Bayfront

Los Gatos: California pending home sales rise in September

Shocking new studies:
Silicon Valley’s ‘megacommute’ even worse than L.A.

Electric garbage trucks to put a lid on noise

Good news for lovers of California’s Dungeness crab


“Gimme that Wine”

Carmel Valley wineries lose crops tainted by Soberanes Fire smoke

Pacific Northwest set to celebrate Nouveau Beaujolais

Napa winemaker's complaint leads to wine buyer's arrest

Former Screaming Eagle owner Charles Banks
    facing federal fraud charges

Wineries Finish Harvest in the East
  Pennsylvania, Virginia and Michigan

The Best Wine Clubs

Free Mobile Wine Program

Wine Prices by vintage

US/International Wine Events

Leasing News Wine & Spirits Page


This Day in American History

   1519 - After landing on the Yucatan peninsula in April, Spaniard Hernan Cortés and his troops marched into the interior of Mexico to the Aztec capital and took the Aztec emperor Montezuma hostage. Going against the governor’s orders, he took 800 Spaniards on eleven ships, landing on what is now Vera Cruz on the east coast of Mexico., Marching to meet the Aztecs, he persuaded thousands of Indians to join his forces. He had horses, muskets, pistols, steel swords, and armor. The Indians
thought he was from God, or maybe he was God. His military triumphs led to 300 years of Spanish domination of Mexico and Central America. He brought horses to our continent (more on that when we write about Coronado) and his troops were the first to “invade” what is now the United States, actually exploring parts of what we now call New Mexico. In one village, after an uprising against their visit, he cut off the right foot of every male adult so they would not attach them again.
    1638 - Anne Hutchinson was banished from Massachusetts.  An important participant in the Antinomian Controversy that shook the infant Massachusetts Bay Colony from 1636 to 1638, her strong religious convictions were at odds with the established Puritan clergy in the Boston area.  Her popularity and charisma helped create a theological schism that threatened to destroy the Puritans' religious community in New England. She was eventually tried and convicted, then banished from the colony with many of her supporters.
    1701 - William Penn presented his Charter of Privileges.  Penn envisioned a colony that permitted religious freedom, the consent and participation of the governed, as well as other laws pertaining to property rights. The Charter of Privileges recognized the authority of the King and Parliament over the colony, while creating a local governing body that would propose and execute the laws. Penn clearly states the responsibilities the citizens have in selecting virtuous men to lead and govern what many would refer to as the “Holy Experiment.”
    1731 - Benjamin Franklin opened the first US library. The first circulating library in America, the Library Company of Philadelphia, was founded by Benjamin Franklin and others.
    1775 - Mail franking privilege allowing free use of the mail was granted to members of Congress and private soldiers in service. Regulations of January 9, 1776, provided that soldiers’ mail was to be franked by the officer in charge. On April 3, 1800, free franking of mail during her natural life was granted to Martha Washington.
    1789 - Bourbon whiskey was first distilled from corn by Elijah Craig (1738-1808), Bourbon, Kentucky.  He was a Baptist preacher in Virginia who became an educator and capitalist entrepreneur in the area of Virginia that later became the state of Kentucky. He built Kentucky's first fulling mill (for cloth manufacturing), its first paper mill, its first ropewalk (for manufacturing rope from hemp), and the first lumber and gristmill at Georgetown.
    1837 - The first college for women in the United States was founded as Mt. Holyoke Seminary in South Hadley, Massachusetts. While many colleges for women became coeducational institutions in the 1970’s and 1980s, Mt. Holyoke remains a women’s college.
    1861 - The Trent Affair. The United States almost went to war over the capture of a British ship supposedly bringing supplies to the Confederacy.  During the raid Union officials found Confederate officials on board.
    1864 – Abraham Lincoln was re-elected president as the civil War was coming to a climax.  Running against George McClellan, the battlefield commander Lincoln removed, Lincoln carried all but three states (Kentucky, New Jersey, and Delaware), and won 55 percent of the vote. He won 212 electoral votes to McClellan’s 21. Most significantly, a majority of the Union troops voted for their commander in chief, including a large percentage of McClellan’s old command, the Army of the Potomac.
    1870 - The first storm warning was issued by the U.S. Signal Corps Weather Service
    1883 – Birthday of painter Charles Demuth (1883-1935)
    1884 - Samuel Sidney McClure established McClure's Syndicate in New York City, the first newspaper syndicate.
    1887 - Gas lighting brought many fires toward the end of this century. Though Boston had experienced several damaging fires, the worst one started on this Saturday evening in a dry-goods warehouse. Spreading rapidly in windy weather, it devastated several blocks of the business district, destroying nearly 800 buildings. Damage was estimated at more than $75 million. It was said that the fire caused a bright red glare in the sky that could be seen from nearly 100 miles away. The Boston fire came one year, one month and one day after the Great Chicago Fire of Oct 8, 1871.
    1889 - Montana became the 41st state in the United States. Helena is the capital of Montana; the western meadowlark is the state bird and the bitterroot is the state flower. Of course, this has nothing to do with some of Montana’s bitter history, its most notorious event: The Battle of Little Big Horn (Custer’s Last Stand).
    1889 - Birth of Oswald J. Smith (d. 1986), Canadian clergyman. Founder of the People's Church of Toronto, Smith also authored a number of books and composed more than 1,200 hymns, including "The Song of the Soul Set Free."
    1900 - Birthday of Margaret Mitchell (d. 1949) at Atlanta. American novelist who won a Pulitzer Prize (1937) for her only book, “Gone with the Wind,” a romantic novel about the Civil War and Reconstruction. “Gone with the Wind,” sold about 10,000,000 copies and was translated into 30 languages. Mitchell died after being struck by an automobile Aug 16, 1949.
    1900 - Theodore Dreiser's first novel, “Sister Carrie,” a realistic book, was published by Doubleday & Company. Worried about the immorality of the book and suffering public pressure, the publisher pulled the book off the stands. Depressed, Dreiser was unable to write another novel for over a decade.
    1904 - Theodore Roosevelt was reelected President of the United Sates. Charles W. Fairbanks was elected Vice President. The electoral vote was Roosevelt, 336; Alton B. Parker, Democratic candidate, 140. The popular vote was Roosevelt 7,628,834; Parker, 5,884, 401; Eugene V. Debs, Socialist candidate, 402,460; Dr. Silas C. Swallow, Prohibition Party, 259,257; Thomas E. Watson, People’s Party, 114,752. The Republicans carried Missouri for the first time since the Civil War in what was the biggest election victory since 1872. They maintained a 57-33 majority over the Democrats in the senate and picked up 43 seats in the House for a 250-136 majority.
    1906 - Cameraman Fred A. Dobson began filming “The Skyscrapers of New York” atop an uncompleted skyscraper at Broadway and 12th Street, the first documentary of the changing of a metropolitan landscape due to the innovation of steel girders.
(lower half of:
    1907 - Birthday of actress Katherine Hepburn (d. 2003), Hartford, CT.  Academy Awards for “Morning Glory” (1932), “Guess Who's Coming to Dinner?” (1967), “The Lion in Winter” (1968) and “On Golden Pond” (1981). Nominated eight more times for her work in such movies as “The Philadelphia Story” (1940), and “The African Queen” (1951).
    1910 - The Washington State Constitution was permanently amended to grant women the right to vote. In 1871, Susan B. Anthony and Abigail Scott Duniway led a crusade through the territories of Washington and Oregon and helped to form the Washington Woman Suffrage Association. Due to the group's constant protesting and pushing, full voting rights were given to women in 1883 by a bill that passed through the Territorial Legislature. But in 1887, the Territorial Supreme Court overturned that law. Another was passed in 1888, but was also overturned. This happened because women voters were making sales of liquor more difficult with their votes, and the state's liquor lobby had fought hard to remove their voting rights. In light of this opposition, some activists chose to emphasize the contributions of women workers to the community and finally, in 1910, succeeded. It would be ten years before the rest of the country's women had that right.
    1927 - Singer Chris Connor (d. 2009) birthday, Kansas City. MO.
    1929 - Museum of Modern Art (MOMA) opens, New York City.
    1932 - Franklin D. Roosevelt was elected President of the United Sates in a Democratic landslide. John Nance Garner was elected Vice President. Roosevelt carried all by seven states with 472 electoral votes to 58 for Herbert Hoover. The popular vote was Roosevelt, 22,821,857; Hoover 15,761,841. Norman Thomas, Socialist, 881,9951; William Z Foster, Communist, 102,785; Verne L. Reynolds, Socialist Labor 33,276; William D. Upshaw, Prohibition, 81,869; Jacob S. Coxey, Farmer Labor, 7309. In congressional elections the Democrats gained 13 Senate seats for a 60-35 majority. In the House, the Democrats gained 90 seats for a 310-117 majority, with five seats going to minor parties.
    1938 - The first African-American female state legislator was Crystal Bird Fauset of Philadelphia, PA, elected to the Pennsylvania House of Representatives. Her term of office began on December 1, 1938 and she was sworn in and assumed her seat on January 3, 1939. She later became Assistant Director for the Works Progress Administration in Pennsylvania and served as a race relations advisor to First Lady Eleanor Roosevelt and New York City Mayor Fiorello La Guardia.  She chaired of the Philadelphia Negro Woman's Democratic League, was a member of the board of trustees of Cheyney State Teachers College, and was on the board of directors of the Small Business Opportunities Corporation of Philadelphia. She died on March 27, 1965
    1939 - Frank Sinatra had his last recording session with the Harry James Band. "Every Day of My Life" and "Ciribiribin" were recorded. If you listen to these records today, you will not be able to identify Sinatra as he sounded more a “crooner” without the phrasing or rhythm in the 1950’s and forward.
    1949 - Birthday of Bonnie Raitt, Burbank, CA.  Singer, songwriter. Grammy award winner. Her mother was a pianist and her father is actor John Raitt
    1950 - The first pilot of a jet fighter to win a dogfight in the Korean War was First Lieutenant Russell John Brown of Pasadena, CA, the pilot of an Air Force F-80, who destroyed a MiG-15 over Northern Korean in jet-versus-jet combat.
    1951 – Yankees catcher and future Hall of Famer, Yogi Berra, won the first of his three MVP awards.
    1952 - Maurice “Rocket” Richard of the Montreal Canadiens became the leading career goal scorer in the National Hockey League with his 325th career goal in a 6-4 win over the Chicago Blackhawks.
    1953 - Residents of New York City suffered through ten days of smog resulting in 200 deaths.
    1954 - Dave Brubeck makes “Mime” Magazine cover for “Take Five.” Louis Armstrong was the first jazz musician to make Time’s front page in 1947.
    1954 - The American League approved transferring the baseball's Philadelphia Athletics team to Kansas City, Missouri. Charles O. Finley of Chicago, Illinois would eventually tire of Kansas City and relocate the A’s to Oakland, California.
    1955 - Top Hits
“Autumn Leaves” - Roger Williams
“Moments to Remember” - The Four Lads
“I Hear You Knocking” - Gale Storm
“That Do Make It Nice” - Eddy Arnold
    1956 - Cecil B. DeMille's cinema classic, “The Ten Commandments,” starring Charlton Heston and Yul Brynner, premiered in New York. It later won an Oscar for Best Special Effects, and received a Best Picture nomination.
    1959 - Elgin Baylor, the Minneapolis Lakers' "Big E", scored 64 points to set a National Basketball Association scoring mark. The Lakers defeated Boston 136-115.
    1960 – John Fitzgerald Kennedy was elected President of the United States. Sen. Kennedy, Democrat of Massachusetts, was the second youngest man ever to win the nation’s highest office and the first Roman Catholic. Sen. Lyndon Baines Johnson, Democrat from Texas, was elected Vice President. The electoral vote was Kennedy, 303, Nixon, 219, and Senator Harry F. Byrd, 15. Kennedy won 49.7% and Nixon 49.6% of the popular vote making the election one of the closest in U.S. history. In congressional elections, the Democrats took a 65-35 majority in the senate. In the House, they lost 20 seats but kept a majority of 263-174.
    1961 - With only one Cy Young Award given for the two leagues, Whitey Ford, the AL leader in wins (25) and innings pitched (283), wins the honor ahead of Warren Spahn, who led the NL in wins (21) and ERA (3.02). In one of the closest votes in Award history, future Hall of Famers Ford and Spahn total nine and six points respectively.
    1963 - Top Hits
“Sugar Shack” - Jimmy Gilmer & The Fireballs
“Deep Purple” - Nino Tempo & April Stevens
“Washington Square” - The Village Stompers
“Love’s Gonna Live Here” - Buck Owens
    1963 - Dick Clark's traveling Caravan of Stars opens its fall 1963 tour in Teaneck, New Jersey. The bill features Bobby Vee, Brian Hyland, the Ronettes, Little Eva and the Dovells among others.
    1964 - Judy Garland and daughter, Liza Minnelli gave a joint appearance at the London Palladium. The program was shown on television in the United States, and was recorded on the LP, "Live at the London Palladium" that became a classic for Capitol Records.
    1965 - The daytime soap opera, “Days of Our Lives,” starring MacDonald Carey as Dr. Tom Horton, premiered on television. This popular daytime serial, like many others, has gone through many changes throughout its run. It expanded from 30 minutes to an hour; it went to number one in the ratings and slipped to nine out of 12 in the 1980s; and it dropped or de-emphasized older characters, which angered its audience. The soap is set in Salem and centers around the Horton and Brady families. Notable cast members included Mary Frann, Joan Van Ark, Susan Oliver, Mike Farrell, Kristian Alfonso, Carry Marshall, John Aniston, Josh Taylor, Wayne Northrop, John DeLancie, Andrea Barber, Deidre Hall, Thaao Penghlis, Jason Bernard, Marilyn McCoo, Charles Shaughnessy, Peter Reckell, Francis Reid, Patsy Pease and Genie Francis.
    1966 - The first African-American to be elected US Senator by popular vote was Edward William Brooke III (1919-2015), the attorney general of Massachusetts, who was elected by a popularity of 439,000 votes. A graduate of Howard University and Boston University Law School, the liberal Republican Brooke served in the Senate for twelve years, until he was defeated by Paul Tsongas in 1978. Brooke was instrumental in developing the legislation that would become the 1970 Housing and Urban Development Act.
    1966 - Actor and future United States President Ronald Reagan was elected governor of California, beating incumbent Governor Pat Brown, former District Attorney of San Francisco. When he first heard Reagan was going to run against him, Brown was noted to say, “Hey, we got a shoo in as they are going to run an actor from Hollywood against me.”
    1966 - The temperature in downtown San Francisco reached a November record of 86 degrees.
    1966 - RUBIO, EURIPIDES, Medal of Honor
Rank and organization: Captain, U.S. Army, Headquarters and Headquarters Company, 1st Battalion, 28th Infantry, 1st Infantry Division, RVN. Place and date: Tay Ninh Province, Republic of Vietnam, 8 November 1966. Entered service at: Fort Buchanan, Puerto Rico. Born: 1 March 1938, Ponce, Puerto Rico. Citation: For conspicuous gallantry and intrepidity in action at the risk of his life above and beyond the call of duty. Capt. Rubio, Infantry, was serving as communications officer, 1st Battalion, when a numerically superior enemy force launched a massive attack against the battalion defense position. Intense enemy machinegun fire raked the area while mortar rounds and rifle grenades exploded within the perimeter. Leaving the relative safety of his post, Capt. Rubio received 2 serious wounds as he braved the withering fire to go to the area of most intense action where he distributed ammunition, re-established positions and rendered aid to the wounded. Disregarding the painful wounds, he unhesitatingly assumed command when a rifle company commander was medically evacuated. Capt. Rubio was wounded a third time as he selflessly exposed himself to the devastating enemy fire to move among his men to encourage them to fight with renewed effort. While aiding the evacuation of wounded personnel, he noted that a smoke grenade which was intended to mark the Viet Cong position for air strikes had fallen dangerously close to the friendly lines. Capt. Rubio ran to reposition the grenade but was immediately struck to his knees by enemy fire. Despite his several wounds, Capt. Rubio scooped up the grenade, ran through the deadly hail of fire to within 20 meters of the enemy position and hurled the already smoking grenade into the midst of the enemy before he fell for the final time. Using the repositioned grenade as a marker, friendly air strikes were directed to destroy the hostile positions. Capt. Rubio's singularly heroic act turned the tide of battle, and his extraordinary leadership and valor were a magnificent inspiration to his men. His remarkable bravery and selfless concern for his men are in keeping with the highest traditions of the military service and reflect great credit on Capt. Rubio and the U.S. Army.
    1966 – Triple Crown winner Frank Robinson of the Baltimore Orioles is the unanimous choice as AL MVP. He became the first Major Leaguer to win the award in both leagues. Traded by the Reds in the previous off-season, Reds GM decided that Robinson was "an old 30" and traded him. In addition to the MVP and Triple Crown, Robinson was also World Series MVP as the O’s swept the Dodgers.
    1967 - JOEL, LAWRENCE, Medal of Honor
Rank and organization: Specialist Sixth Class (then Sp5c), U.S. Army, Headquarters and Headquarters Company, 1st Battalion (Airborne), 503d Infantry, 173d Airborne Brigade. Place and date: Republic of Vietnam, 8 November 1965, Entered service at: New York City, N.Y. G.O. No.: 15, 5 April 1967. Born: 22 February 1928, Winston-Salem, N.C. Citation: For conspicuous gallantry and intrepidity at the risk of life above and beyond the call of duty. Sp6c. Joel demonstrated indomitable courage, determination, and professional skill when a numerically superior and well-concealed Viet Cong element launched a vicious attack which wounded or killed nearly every man in the lead squad of the company. After treating the men wounded by the initial burst of gunfire, he bravely moved forward to assist others who were wounded while proceeding to their objective. While moving from man to man, he was struck in the right leg by machine gun fire. Although painfully wounded his desire to aid his fellow soldiers transcended all personal feeling. He bandaged his own wound and self-administered morphine to deaden the pain enabling him to continue his dangerous undertaking. Through this period of time, he constantly shouted words of encouragement to all around him. Then, completely ignoring the warnings of others, and his pain, he continued his search for wounded, exposing himself to hostile fire; and, as bullets dug up the dirt around him, he held plasma bottles high while kneeling completely engrossed in his life saving mission. Then, after being struck a second time and with a bullet lodged in his thigh, he dragged himself over the battlefield and succeeded in treating 13 more men before his medical supplies ran out. Displaying resourcefulness, he saved the life of 1 man by placing a plastic bag over a severe chest wound to congeal the blood. As 1 of the platoons pursued the Viet Cong, an insurgent force in concealed positions opened fire on the platoon and wounded many more soldiers. With a new stock of medical supplies, Sp6c. Joel again shouted words of encouragement as he crawled through an intense hail of gunfire to the wounded men. After the 24 hour battle subsided and the Viet Cong dead numbered 410, snipers continued to harass the company. Throughout the long battle, Sp6c. Joel never lost sight of his mission as a medical aid man and continued to comfort and treat the wounded until his own evacuation was ordered. His meticulous attention to duty saved a large number of lives and his unselfish, daring example under most adverse conditions was an inspiration to all. Sp6c. Joel's profound concern for his fellow soldiers, at the risk of his life above and beyond the call of duty are in the highest traditions of the U.S. Army and reflect great credit upon himself and the Armed Forces of his country.
    1969 - "Wedding Bell Blues" by 5th Dimension topped the charts and stayed there for 3 weeks.
    1970 - Tom Dempsey of the New Orleans Saints set an NFL record by kicking a 63-yard field goal to give the Saints a 19-17 victory of the Detroit Lions.
    1970 - Jim Morrison records the poetry that the other members of the Doors would set to music after his death and issue on the 1978 album, "An American Prayer."
    1971 - Top Hits
Gypsys, Tramps & Thieves - Cher
Theme from Shaft - Isaac Hayes
Imagine - John Lennon Plastic Ono Band
Here Comes Honey Again - Sonny James
    1971 - Sly & the Family Stone have huge hits with "Family Affair" and "There's a Riot Goin' On." The album's title could well describe some of Sly's concerts during this time. Much to his fans' dismay, he's a frequent no-show. Of eighty concerts booked in 1970, he canceled 26 and has ducked out of 12 of forty shows in '71.
    1973 - No. 1 Billboard Pop Hit: "Keep on Truckin' (Part 1)," Eddie Kendricks.
    1973 - The first golfer to earn $100,000 in a contest was Miller Barber of Texas, who won in 144 strokes in the World Open at Pinehurst, NC, on November 8-17.
    1974 - Lt. William Calley is paroled after serving about three years in "prison" (under house arrest in his apartment) for overseeing the murder of Vietnamese civilians (possibly as high as 500 or more) at My Lai
    1978 - A bizarre NBA game happened during the Philadelphia 76ers and the New Jersey Nets, when an official assessed three technical fouls against Nets coach Kevin Loughery and player Bernard King The league office ruled that the official had acted in error and ordered the game replayed. It was on March 23, 1979, and Philadelphia won, 137-133. On February 7, however, the 76ers traded Ralph Simpson to New Jersey for Erick Money and Harvey Catchings. So these three wound up finishing the game on March 23rd as members of the team they had originally opposed.
    1979 - Top Hits
“Pop Muzik” - M
“Heartache Tonight” - Eagles
“Dim All the Lights” - Donna Summer
“You Decorated My Life” - Kenny Rogers
    1979 - The Grateful Dead's "Shakedown Street" LP is released.
    1983 - Dale Murphy (.302, 36, 121) joins Ernie Banks, Joe Morgan and Mike Schmidt as one of the players who has won the MVP award in consecutive years. The soft-spoken Braves' outfielder receives 21 of the 24 votes cast.
    1983 - No. 1 Billboard Pop Hit: "All Night Long (All Night)," Lionel Richie. Richie sings the song at the closing ceremonies of the 1984 Olympic Games in Los Angeles.
    1986 - A new Utah record for wind was set when a wind gust of 124 mph was recorded on 11,000-foot Hidden Peak in the Snowbird area
    1987 - Top Hits
I Think We’re Alone Now - Tiffany
Causing a Commotion - Madonna
Mony Mony "Live" - Billy Idol
Am I Blue - George Strait
    1988 - George H. W. Bush was elected president of the United States, carrying 40 states. He defeated Governor Michael Dukakis of Massachusetts, the Democratic candidate. The electoral vote was Bush,
426, Dukakis 112. The popular vote was Bush, 47,917,341, Dukakis, 41,013,030. In congressional elections the Democrats gained one Senate seat for a 55-45 majority; in the House they gained 3 seats for a 260-175 majority.
    1990 - The Gender Gap at the voting booth succeeded in electing Ann Richards as Texas Governor (with 61% of the women's vote) and Barbara Roberts as Oregon Governor with 30% more of the women's vote than her opponent got. Sharon Pratt Dixon was elected the first black woman as Mayor of Washington, D.C. Joan Finney who opposed abortion was elected governor of Kansas. Of 85 women who ran for statewide offices, 57 won... all with significant Gender Gap margins...
    1991 – A new “The Carol Burnett Show” premieres on CBS-TV
Her first run on TV lasted from September 11, 1967 - March 29, 1978.
My good friend Warren Luening played lead trumpet for her TV show and toured with her. He said he enjoyed every minute as she was a wonderful person to work for and always thoughtful of those around her. What you saw on TV was the way she really was in life, he commented.
    1991 - The first week of November ended in Iowa with the average temperature for the state of 18.3 degrees, a full 24.7 degrees below normal. Easily this was the coldest first week of November ever.
    1993 - Microsoft Windows for Workgroups 3.11 was released. The operating system boasted improved support for NetWare and Windows NT, and slipped in numerous architectural changes to improve performance and stability (changes that later found their way into Windows 95).
    1994 - Top Hits
“I’ll Make Love To You” - Boyz II Men
“All I Wanna Do” - Sheryl Crow
“Another Night” - Real McCoy
“Here Comes The Hotstepper” (From "Ready To Wear") - Ini Kamoze
    1999 - The House of Representatives passed a resolution calling for Shoeless Joe Jackson to be honored. The resolution stopped short of calling for his induction into the Hall of Fame. "It is worthy for this body to take a few minutes to stand up for fairness and right an old wrong," said Rep. Jim DeMint, the author of the resolution who represents Jackson's hometown of Greenville, SC. Jackson was eligible for the Hall of Fame until 1991 but was never voted in either by the writers or the Veterans Committee. In 1991, the Hall's board adopted a resolution prohibiting players on the permanently banned list from consideration.
    2004 - Receiving 27 of 28 first-place votes, Bobby Crosby (.239, 22, 64) wins the American League Rookie of the Year Award. The Oakland shortstop, who is the son of former big leaguer infielder Ed Crosby, joins Harry Byrd (1952), Jose Canseco (1986), Mark McGwire (1987), Walt Weiss (1988) and Ben Grieve (1998) as the sixth A’s freshman to be honored by BBWAA.



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