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


Monday, November 25, 2019

Today's Leasing News Headlines

Looking to Improve Your Career
   Post a Free Position Wanted Here
Top Ten Stories
   November 18 - November 22
ELFA Reports Volume Up 1% Since September
   Year-to-Date Up 14% from 2018
Ladder of Achievement
Leasing Industry Ads
   Broker Represented Wanted/Exp. Sales Professionals
Why I left my previous employer...
   Career Crossroads---By Emily Fitzpatrick/RII
The Evolution of the Desk
   Due to the Internet
Marlin Capital Board of Directors and Leaders
    Officially Re-open Marlin Headquarters
A Closer Look at Global E-Commerce Chart
 Revenue per User in U.S. Dollar and Number of Users
GreatAmerica Wins 2019 Cannata Frank Award
   for Best Leasing Company
Retriever (Mixed)
   Washington, DC  Adopt a Dog
Attorneys Who Specialize in
    Banking, Finance, and Leasing
News Briefs---

Charles Schwab-TD Ameritrade deal
  would show fallacy of ‘free’ trade
American Airlines has bumped more passengers
   this year than all other U.S. airlines combined
Ram pickups are taking food out of Ford
   and GM’s mouths
Elon Musk says Tesla Has Received 146,000
    orders for its Cybertruck after Botched Debut
Elon Musk confirms Tesla's 'Cybersquad'
   as a Cybertruck accessory for off-road electric vehicle

Broker/Funder/Industry Lists | Features (wrilter'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

May Have Missed
  Sports Brief----
   California Nuts Brief---
    "Gimme that Wine"
     This Day in History
       Daily Puzzle
         Weather, USA or specific area
          Traffic Live----

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

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Looking to Improve Your Career
   Post a Free Position Wanted Here

Free Career Positon Wanted goes into our Classified Ad section here

It also runs once a week in the News Edition.

Use your personal email address only. We encourage you to add a resume, although not necessary. If you do so, please make sure your name, address and telephone number are not included. If so, we will delete them. The reason is once the resume is placed on line: it remains in Google, as well in Leasing News Editions’ archives. A search of your name will bring up your posting, which will have your address and telephone number for years to come.

It is also a good idea to create an email for the ad specifically that you can delete after use.
This is “free” to those looking for a new position. Each ad is limited to (100) words.

To post your free position wanted, please email:



Top Ten Stories
November 18 - November 22

(Stories most opened by readers)

(1) Getting Ready for 2020 California Rate Disclosures
           Computing Interest Rates Programs

(2) California Consumer Privacy Act (CCPA)
   Applies to Businesses Starting January 1, 2020

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

(4) Freedom Truck Finance: Company Update
          President’s Letter to Dealers
           “Temporary Halt All Operations”

(5) If You Invested $5,000 in Tesla's IPO,
  This Is How Much Money You'd Have Now

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

(7) Will Ten Years at Same Company Go Against Me?
         Career Crossroad---By Emily Fitzpatrick/RII

(8) Marketing Strategies to Stay Away From
           FinTech #102 by Alex Vasilakos

(9) Draw Cartoon From Your Photo
       Makes Cartoon Look from your Picture

(10) SunTrust Bank, Atlanta, GA, to be acquired by
  Branch Banking and Trust Company, Winston-Salem, NC


ELFA Reports Volume Up 1% Since September
Year-to-Date Up 14% from 2018

(Chart: Leasing News)

The Equipment Leasing and Finance Association’s (ELFA) Monthly Leasing and Finance Index (MLFI-25) reports, "overall new business volume for October was $10.1 billion, up 14 percent year-over-year from new business volume in October 2018. Volume was up 1 percent month-to-month from $10.0 billion in September. Year to date, cumulative new business volume was up 6 percent compared to 2018."

click to make larger
(Chart: ELFA)

ELFA President and CEO Ralph Petta said, “Buoyed by solid fundamentals in the U.S. economy, new business volume reported in the October MLFI-25 survey increased yet again. These data, coupled with anecdotal information gathered from members across multiple industry sectors at ELFA’s Annual Convention later in the month, reflect the broader equipment finance industry continuing to fire on most, if not all, cylinders. Of some concern is slightly elevated charge-off and delinquency data. This bears monitoring as the year comes to a close.”

Robert Neagle, President, Merchant Finance, Ascentium Capital LLC, said, “The upward trend in new business volume continued with an increase of 14 percent in October year-over-year growth, and an increase of 6 percent year-to-date compared to last year. With predictions that economic growth will hold up through year-end, and an uptick in the Foundation’s Monthly Confidence Index, we should expect business sentiment and investment to continue to spur positive trends for the industry.”

Separately, the Equipment Leasing & Finance Foundation’s Monthly Confidence Index (MCI-EFI) in November is 54.9, an increase from the October index of 51.4.

ELFA MLFI-25 Report:
Receivables over 30 days were 2.0 percent, up from 1.70 percent the previous month and up from 1.70 percent the same period in 2018. Charge-offs were 0.46 percent, up from 0.40 percent the previous month, and up from 0.37 percent in the year-earlier period.

click to make larger

click image to make larger

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click image to make larger

(Chart: ELFA)

Full Listing of MLFI Participants in Survey
Bank of America Global Leasing
Bank of the West
BB&T Bank
BMO Harris Equipment Finance
Canon Financial Services
Caterpillar Financial Services
Citizens Asset Finance
Dell Financial Services
Fifth Third Bank
First American Equipment Finance, a City National Bank Company
Frost Equipment Leasing and Finance
GreatAmerica Financial Services
Hitachi Capital America
HP, Inc.
HPE Financial Services Company
Huntington Equipment Finance
John Deere Financial
Key Equipment Finance
LEAF Commercial Capital Inc.
M&T Bank
Marlin Capital Solutions
Merchants Bank Equipment Finance
PNC Equipment Finance
Societe Generale Equipment Finance
Siemens Financial Services
Stearns Bank
Stonebriar Commercial Finance
TCF Capital Solutions, a division of TCF National Bank
TD Equipment Finance
TIAA Commercial Finance, Inc.
US Bancorp Business Equipment Finance
Volvo Financial Services
Wells Fargo Equipment Finance



Help Wanted






Why I left my previous employer...

Career Crossroads---By Emily Fitzpatrick/RII

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. Make sure you 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

Invite me to connect on LinkedIn
Also follow us on Twitter #RIIINFO

Career Crossroads Previous Columns



The Evolution of the Desk
Due to the Internet



Marlin Capital Board of Directors and Leaders
Officially Re-open Marlin Headquarters

Marlin’s Senior Leadership Team invited Marlin’s Board of Directors to take a break from regularly quarterly Board meetings to officially re-open our Mt. Laurel, New Jersey, headquarters.

Marlin recently completed Phase 1 of a building renovation, with all New Jersey based employees moving back into one building this week after spending seven months spread across several interim locations.

Phase 2 has begun and is scheduled for completion in February 2020.



Today Cyber Monday sweeps across the world, with most countries participating in the global e-commerce extravaganza, which has taken off in recent years. According to information from Statista’s Digital Market Outlook, there are 259 million e-commerce users in the United States. For all the revenue e-commerce generates, each user brings in around $1,952.

The largest market for e-commerce is China with roughly 1 billion e-commerce shoppers. The United States comes in a distant second, despite the bigger bang the country brings in for revenue per user.



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

GreatAmerica Wins 2019 Cannata Frank Award
for Best Leasing Company

Finance Company Rated by Office Dealers as Top Leasing Category Honor Tenth Time in Eleven Years

(Cedar Rapids, IA) — Cannata Report presented GreatAmerica Financial Services with its 2019 Frank Award for Best Leasing Company during its 34th Annual Awards & Charities Dinner at The Madison Hotel in Morristown, New Jersey.

The Best Leasing Company award recognizes the leasing companies who provide an outstanding mix of lease options, competitive rates, superior service, and effective dealer communication. The Frank Award winners were chosen by 344 Office Equipment Dealers who responded in record numbers to The Cannata Report’s 34th Annual Survey this year. Winners were chosen in 11 distinct categories.

CJ Cannata, president and CEO, The Cannata Report,  said, “In our 34th Annual Dealer Survey, the majority of the dealers who gave GreatAmerica a top rating cited the company’s excellent customer service and responsiveness, with many explicitly noting how easy it is to do business with them.

 “That message of outstanding customer service has been consistent year after year in our survey, exemplified by GreatAmerica’s continual top rating. We congratulate them on their accomplishment, one that is even more impressive when you consider the many changes taking place in the dealer channel.”

Jennie Fisher, senior vice president and general manager of the Office Equipment Group at GreatAmerica says consistently winning this award has only caused their team to up the ante on customer service year after year;

 “This Award speaks to the consistent dedication our GreatAmerica’s have for our customers. Our team members strive to serve our office technology partners with an elite-level service that exceeds expectations. We are grateful to the independent dealer community and will use this win to fuel our passion for continued excellence.”

Additionally, $295,000 was raised at the Awards and Charities Dinner for Tackle Kids Cancer, a philanthropic program benefitting the Children’s Cancer Institute at Hackensack Meridian Health.

This marks the third set of awards for GreatAmerica Financial Services this year, having been honored with two Managed Print Services Association Leadership Awards for ‘Best MPS Professional Services Provider’ as well as a joint Award for ‘Best MPS Industry Collaboration’. Earlier this year, GreatAmerica was also recognized by DecisionWise, a US-based employee engagement consulting firm, as a 2019 Employee Engagement Best Practice Award Winner.

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

Assure the quality of your communication content…grammar, spelling, syntax, punctuation…hire an expert.

Whether website content, business or technical writings, take advantage of over forty years executive writing, proofreading and editing in the EFL industry…with the reader’s time and comprehension in focus.

Ralph P. Mango

Associate Editor Leasing News, responsible for proofreading and editing each news edition, as well as contributing content.


Retriever (Mixed)
Washington, DC Adopt a Dog

ID #19-0120
10 months old
40 lbs.
Good with dogs
Not tested with: Kids, Cats

"Hi, I'm Bebe! I am a sweet Retriever mix who is shy and sweet. I can't wait to get out of the shelter and into a home where I can relax and let my personality shine. I will make a great addition to any family!"

Rural Dog Rescue
733 8th Street SE
Washington, DC 20003

We adopt to the Washington, DC metropolitan area to include Maryland and Northern Virginia.

Adoption Application

Adoption Process: In order to adopt, we require an adoption application. After you submit an application, if you pass the screening, we will contact you to schedule a phone interview. We will call your references, including your veterinarian and landlord (when appropriate). We will also conduct a home visit. After these steps are complete, you will be approved to adopt a dog. Please note this process takes 1-2 weeks so applications submitted when you are ready to bring a dog home within that time frame. You can meet our adoptable dogs at events, however, we cannot guarantee that dogs at events do not have pre-approved applicants meeting them there as well, so the application is the best way to start the process.


Attorneys Who Specialize in
Banking, Finance, and Leasing

Kenneth C. Greene

Leasing and Financial consultant, active in several leasing
associations, as well as involved in music and film production in LA.  Mention "Leasing News" for a free consultation.
Skype: 424.235.1658
Connecticut, Southern New England:
EVANS, FELDMAN & BOYER, LLC Collections, litigation, documentation, portfolio sales and financing, bankruptcy. We represent many of the national and local leasing companies doing business in this state. Past chairman EAEL legal committee. Competitive rates.
Los Angeles/Santa Monica
Hemar & Associates, Attorneys at Law
Specialists in legal assistance, including debt collection, equipment recovery, litigation for 35 years. Fluent in Spanish.
Tel: 310-829-1948

David G. Mayer
Partner, Dallas, Texas
Schackelford, Bowen, McKinley & Norton
9201 N. Central Expressway
Fourth Floor
Dallas, Texas 75231
Telephone: (214) 780-1400

Los Angeles, Southern CA
Seasoned attorney representing secured creditors in auto finance and truck/equipment lease industry.  Bankruptcy and State Court litigation.   Vincent V. Frounjian (818) 990-0605 or email:

Encino, California: Statewide “ELFA”
Hemar, Rousso & Heald, LLP 30 yr excellent reputation Lessor representation commercial litigationdebt collection, and bankruptcy.
Call Stephen E. Jenkins Esq (818) 501-3800

Los Angeles, Statewide: CA.     "ELFA" Aggressive creditors rights law firm specializing in equipment leasing handling collection matters on a contingency, fixed fee or hourly cbasis.

Los Angeles, Statewide: CA      "ELFA"
Practice limited to collections, bankruptcy and problem accounts resolution. Decades of experience. 10-lawyer firm dedicated to serving you. Call Ronald Cohn, Esq. (818)591-2121 or email. Email:   

California & National

Paul Bent – More than 35 years experience in all forms of equipment leasing, secured lending, and asset based transactions. Financial analysis, deal structuring, contract negotiations, documentation, private dispute resolution, expert witness services.
(562) 426-1000


Kevin E. Trabaris: Concentrates his practice in the areas of commercial finance, corporate and business transactions. Extensive experience representing banks, financial companies, equipment lessors, insurers and other funding and intermediary entities and borrowers in connection with thousands of business financing matters. He has handled everything from small ticket transactions to billion dollar syndicated loans, real estate financing to asset-based facilities.
Telephone:  847-840-4687


Joseph G. Bonanno, Esq., CLFP.  Transactional/Documentation. Past special industry consultant to The World Bank,  industry expert witness in litigation, appointed to Governor’s Counsel to adopt Articles 2A and 9 in Massachusetts, MA continuing legal education co-instructor,  past (5) Term Certified Leasing and Finance Professional Board Member, CLFP review instructor, numerous authored and co-authored published articles and conducting educational seminars. (781) 328-1010;

National: Coston & Rademacher: Business attorneys serving the lease-finance industry since 1980. Transactional, documentation, corporate/finance, workouts, litigation, bankruptcy, portfolio management. Chicago-based national practice. Jim Coston, CLP (Members: ELFA, NEFA).

New York

Sloan Schickler, Esq.
Counsel to the National Vehicle Leasing Association. Accomplished counsel in lease-finance; installment sales; dealer floor plan finance; portfolio sales, acquisition and foreclosure; syndicated revolving credit facilities; asset securitization; corporate structuring and governance; regulatory licensing and compliance. Clients have included major commercial banks, financial institutions, investment banks, captive finance companies, leasing companies, auto manufacturers and auto dealerships.
Direct Dial: 212-262-6400.

Michael J. Witt, experienced bank, finance, and leasing attorney, also conducts Portfolio Audits. Previously he was Managing Counsel, Wells Fargo & Co. (May, 2003 – September, 2008); Senior Vice President & General Counsel, Advanta Business Services (May, 1988 – June, 1997) Tel: (515) 223-2352 Cell: (515) 868-1067
St. Louis County , MO. - statewide:
Schultz & Associates LLP., collections, negotiation, and litigation. Also register and pursue recovery on foreign judgments. Contingency and reasonable hourly rates.
Ronald J. Eisenberg, Esq.
(636) 537-4645 x108
NJ, De, Pa: Specializing in leased equipment/secured transactions. Collections, replevins/workouts reasonable rates. Sergio Scuteri/Capehart & Scratchard, PA /
New York and New Jersey

Frank Peretore
Chiesa Shahinian & Giantomasi
West Orange, New Jersey

Phone 973-530-2058
 Documentation, portfolio purchase & sale, replevin, workouts, litigation, collection, bankruptcy. Aggressive. Over 30 years experience.

Thousand Oaks, California:
Statewide coverage Spiwak & Iezza, LLP 20+ years experience,Representing Lessors banks in both State/ Federal Courts/ all aspects of commercial leasing litigation.
Nick Iezza 805-777-1175


Attorney Posting Instructions:



News Briefs----

Charles Schwab-TD Ameritrade deal
  would show fallacy of ‘free’ trade

American Airlines has bumped more passengers
   this year than all other U.S. airlines combined

Ram pickups are taking food out of Ford
   and GM’s mouths

Elon Musk says Tesla Has Received 146,000
   orders for its Cybertruck after Botched Debut

Elon Musk confirms Tesla's 'Cybersquad'
   as a Cybertruck accessory for off-road electric vehicle



You May Have Missed---

What Is Gap Insurance and How Does It Work?


American Football Poem & Shakespeare

The modern spelling of the word "football" is first recorded, when it was used disapprovingly by William Shakespeare. Shakespeare's play King Lear (which was first published in 1608) contains the line: "Nor tripped neither, you base football player" (Act I Scene 4). Shakespeare also mentions the game in A Comedy of Errors (Act II Scene 1):

Am I so round with you as you with me,
That like a football you do spurn me thus?
You spurn me hence, and he will spurn me hither:
If I last in this service, you must case me in leather.

("Spurn" literally means to kick away, thus implying that the game involved kicking a ball between players.)


49ers start 3-game gauntlet with 37-8 win over Packers

Jets completely dominate Raiders for third straight win

Giants sink to familiar dark place in loss to Bears

Failure to disclose lawsuit is a factor in Patriots
   not wanting Antonio Brown back

Chargers, Rivers could part ways after 2019 season

Blues' Bortuzzo suspended for four games for crosscheck

Colin Kaepernick Rumors: QB Has Received
   'Absolutely Zero' Interest from Teams


California Nuts Briefs---

Cruise industry drives $2.5 billion into California economy

Northern California marijuana companies lay off workers,
    adjust expectations

Stanford buys downtown Redwood City
    apartment complex for its employees

Letter: Public will not stand for expanding Cupertino mine operation



“Gimme that Wine”

A historic harvest and a changing market:
  Napa's growers navigate grape glut

Legendary Napa Valley vintner honored
  by Smithsonian’s National Museum of American History

Trump’s trade battle with Europe puts a damper
   on enthusiasm for a celebrated French wine

Raise A Glass to the Arrival of Georges Duboeuf's
     2019 Beaujolais Nouveau

Glass Half Full: Destroyed Soda Rock Winery
   Back Open Despite Kincade Fire Devastation

The 14th Annual Kosher Food & Wine Experience
Monday, February 17, 2020 Pier 60, Chelsea Piers
   -- Hudson River & 21st St., NYC

N.L. uncorks bigger booze import limit
   when you travel home from the rest of Canada

Free Wine App

Wine Prices by vintage

US/International Wine Events

Leasing News Wine & Spirits Page


This Day in History

    1602 - Explorer Sebastián Vizcaíno gave Santa Catalina Island its present name. In 1542, Juan Rodriguez Cabrillo, the first European explorer to encounter the island, referred to it as San Salvador. When Vizcaíno sheltered on the island in 1602 he renamed it Catalina, in honor of the feast day of Saint Catherine of Alexandria.
    1715 - An English patent was granted to a resident of America, to “Thomas Masters, Planter of Pennsylvania, for an invention found out by Sibylla his wife for cleaning and curing the Indian Corn growing in several colonies in America.” Sybilla, who divided her time between England and the United States, did not receive English Patent #401 for her machines and methods for preparing Indian corn. It went to her husband Thomas because of the strictures against women. The patent documents clearly state Sybilla invented the process and her signed drawings show the method of operation. She also invented a method for using palmetto leaves to make hats, the patent again going to her husband, who formally acknowledged her as the inventor. On July 15, 1717, the State of Pennsylvania granted Sybilla patent rights in her own name.
    1742 - In New York, David Brainerd, 24, was approved as a missionary to the New England Indians by the Scottish Society for the Propating of Christian knowledge (SPCK). Brainerd worked heroically from Apr, 1743-Nov, 1746, before advancing tuberculosis forced him to relinquish his work. He died in October, 1747.
    1758 - In the French and Indian War, the British captured Fort Duquesne in present-day Pittsburgh. On November 24, the French commander recognized that he faced total disaster if he were to resist. Under the cover of night, the French withdrew from Fort Duquesne, set it afire and floated down the Ohio River to safety. The British claimed the smoldering remains on November 25 and were horrified to finds the heads of some of Grant’s Highlanders impaled on stakes with their kilts displayed below.
    1783 - Although Cornwallis' surrender at Yorktown in the Fall of 1781 marked the end of the Revolutionary War, minor battles between the British and the colonists continued for another two years. Finally, in February of 1783, George III issued his Proclamation of Cessation of Hostilities, culminating in the Peace Treaty of 1783. Signed in Paris on September 3, 1783, the agreement--also known as the Paris Peace Treaty--formally ended the United States War for Independence. The news was sent by ship, preparations made, and on this day, Britain evacuated NY, their last military position in US. This was a great day of celebration in the city. By this time, some 100,000 Loyalists had fled. Also known as Tories, they had suffered various penalties for their loyalty to the Crown, including confiscation of property, removal from public office, and punitive taxation. Probably no more than 10% of the colonials were Tories, who were generally well-do-do, engaged in commerce or the professions, or public officials. Many fled to Canada, some to England.
    1832 - Birthday of Mary Edwards Walker (d. 1919) at Oswego, New York. A physician and women’s right leader, she was the first female surgeon in the US Army during the Civil War. She spent four months in a Confederate prison. The first and only woman to ever receive the Medal of Honor, awarded November 11, 1865, two years before her death, on June 3, 1916, a government review board asked that her award be revoked. She continued to wear it, in spite of official revocation, until her death. On June 11, 1977, the Secretary of the Army posthumously restored the Medal of Honor to Dr. Walker.
    1835 - Birthday of Andrew Carnegie (d. 1919) at Dunfermline, Scotland.  He led the enormous expansion of the American steel industry in the late 19th century and is highly regarded among the leaders of the US industrialization of that time.  His Carnegie Steel Corporation was sold to J.P. Morgan, creating United States Steel Corporation.  Carnegie was also a financier, philanthropist, and benefactor of more than 2,500 libraries, and Carnegie Hall, the Carnegie Foundation and the Carnegie Endowment for International Peace are among his gifts. Carnegie wrote in 1889, “Surplus wealth is a sacred trust which its possessor is bound to administer in his lifetime for the good of the community...The man who dies disgraced.” (Coda: There was no income tax deduction or financial purposes at the time for his gifts.)
    1841 - The rebel slaves who seized a Spanish slave ship, the Amistad, two years earlier, were freed by the US Supreme Court despite Spanish demands for extradition. John Quincy Adams (74), former US president, defended “the Mendi people,” a group of Africans who rebelled and killed the crew aboard the ship while en route to Cuba. They faced mutiny charges upon landing in New York but Adams won their acquittal before the Supreme Court. In thanks, they bestowed to him an 1838 English Bible. In 1996, the Bible was stolen from the Adams National Historic Site in Quincy, Mass.
    1841 - 35 Amistad survivors returned to Sierra Leone, Africa.
    1846 - Birthday of Carry Amelia Moore Nation (d. 1911) at Garrard County, KY.  This American temperance movement leader would take a band of women into a saloon and destroy it with her hatchet. Some had concerns over her sanity and there were many public comments on her emotional instability. She was NEVER - NEVER a leader in the women's temperance movement – and history viewed her as a loose cannon. Nation, a 6-foot Kansan who believed God wanted her to stamp out demon rum, and her fellow crusaders knew the value of publicity. Leigh Weimers related this story of her visit in 1903 to San Jose. Nation's advance man, G.R. Ray, offered money to local saloonkeepers if they would allow Nation in their premises (a photo op, even then). So, following a public lecture at which she railed against alcohol, Nation entered the Auzerais Hotel saloon where, Douglas notes, “she exhibited her disdain for liquor by knocking the glasses of whiskey from the hands of some of the men”.  Then, followed by a crowd of onlookers, she headed for the nearby Louvre saloon, where owner Louis Hobbs was waiting. Hobbs hadn't taken the advance man's money. He broke through the crowd, cursed Nation and punched Ray, bloodily breaking his nose. The crowd broke up the Louvre. Nation got the publicity, but not the cash support she was after.  “It appears that the crowds were more concerned with causing trouble than with hearing her message”, writes Douglas. And Nation left town, as unsuccessful in altering people's desire to alter their moods as everyone has been before or since.   
    1849 - Franklin A. Buck wrote to his sister "to turn around and go right back again like some persons who have been here and gotten homesick“.  Just twenty years old, Buck left his job in New York and set sail for California the previous January. The young man was one of 40,000 people who traveled to California by sea during the Gold Rush of 1849. He arrived in the boom town of Sacramento in October. With partners, Buck opened a supply store. Business was brisk.
    1862 - A sarcastic President Lincoln wires General George McClellan: "I have just read your dispatch about sore tongued and fatiegued [sic] horses. Will you pardon me for asking what the horses of your army have done since the battle of Antietam that fatigue anything?" Lincoln was nearly out of patience with McClellan. The President had ordered him to pursue Confederate General Robert E. Lee into Virginia after Antietam on September 17, but McClellan dallied for more than a month. A little over a week after sending this message, Lincoln replaced McClellan with Ambrose Burnside.
    1863 - The place was a small ridge overlooking Chattanooga, Tennessee.  From the one-thousand foot heights of Missionary Ridge, Confederate General Braxton Braggs' soldiers trained their artillery on the city below.  Major General Ulysses S. Grant and his men had pitched their tents there, and now the soldiers were at the mercy of those relentless cannon.  Trapped and faced with starvation and annihilation, the Union troops had lost so many horses that they couldn't even mount an artillery battery in their defense. It was a frustrating feeling of helplessness and imminent disaster, compounded by the winter drizzle and ominous skies.  Major General William Sherman had mounted an attack to the right and was quickly stalled.  Under pressure of the enemy, he requested a feint elsewhere to relieve his embattled troops.  It wasn't intended to be a major offensive, such was an improbable military operation.  The reserve troops were simply to attack the center of the Confederate lines at the base of Missionary Ridge to draw attention away from Sherman. The battle for the gun pits was furious, soldiers fighting hand-to-hand and engaging each other with bayonet.  As the Confederate soldiers were slowly defeated and the young Union soldiers gained control of the gun pits, they found themselves trapped at the base of the ridge by the cannon mounted above them.  Their brief victory had turned into a nightmare of death.  Watching from a distance General Grant's worst fears materialized as the withering fire threatened to destroy his valiant soldiers.  "Pull back," he probably thought to himself, "retreat...get out of there before it is too late."  No thought had been given to attacking Missionary Ridge that day, Grant knew it would be suicidal.  The move to the gun pits at the base of the ridge had simply been a token attack, designed to divide the enemy forces and provide some relief for Sherman's embattled soldiers.  Yet suddenly, without orders, the 18,000 young men trapped in the gun pits rose to their feet and began to assault the enemy entrenched on the 1,000-foot slope.  Angry at the suicidal offensive, Grant asked, "Who ordered those men up the ridge?"  A subordinate replied that the attack had commenced without order.  Chomping his traditional cigar and fearful of the worst Grant replied, "Well, it will be all right if it turns out all right."
Among the units advancing on the entrenched Confederate soldiers that day was the 24th Wisconsin Infantry.  The unit detailed to advance the colors was led by an 18-year old First Lieutenant named Arthur MacArthur.  When the soldier assigned to carry the battle flag of the 24th Wisconsin fell to an enemy bayonet, another soldier rushed forward to hoist the flag.  The roar of cannon fire filled the ridge and the second color bearer fell, decapitated by a cannon ball.  Bloody and wounded, Arthur MacArthur retrieved the colors himself.  Raising the already battle-scared flag high he turned to his troops with the shout "On Wisconsin!" and proceeded up the ridge.  As MacArthur reached the summit, he firmly planted the staff of the flag in the ground.  Below him the advancing soldiers saw their flag, battered and scarred, waving in the breeze at the top of the precipice.  Their hearts filled with inspiration they surged forward, doing the improbable, achieving victory at Missionary Ridge.
    1864 - A group of Confederates calling themselves the Confederate Army of Manhattan, started fires in more than 20 locations in an unsuccessful attempt to burn down New York City.
    1865 - The 7th National Woman's Rights Convention was held in New York City chaired by Lucy Stone. The progress report, made only eight years after the first call for women's rights in the history of this nation in 1848, is startling. In her address Lucy Stone said: "Our first effort... where a few women were gathered, who had learned woman's rights by woman's wrongs..."Never before has any reformatory movement gained so much in so short a time. When we began, the statute books were covered with laws against women...Now almost every Northern state has more or less modified its laws..."
    1865 - Kate Gleason (d. 1933) birthday in Rochester, NY.  She was an extraordinary businesswoman who, as a salesperson in the late 1800's, did the unthinkable: actually traveled by herself to sell her father's tool making products, even to Europe. When automobiles became the rage, Gleason turned her sales abilities to Detroit and she was so successful that she became the first woman member of several engineering groups. Later, she became the president of a bank, turned a bankrupt tool making business into profit, and went into real estate, building and restoring housing areas. One of her plans included building low-cost homes in Sausalito, California. She developed several resort areas including Beaufort, SC.
    1876 - U.S. troops under the leadership of General Ranald Mackenzie destroyed the village of Cheyenne living with Chief Dull Knife on the headwaters of the Powder River. At dawn, Mackenzie and over 1,000 soldiers and 400 Indian scouts opened fire on the sleeping village, killing many Indians within the first few minutes. Some of the Cheyenne, though, managed to run into the surrounding hills. They watched as the soldiers burned more than 200 lodges--containing all their winter food and clothing--and then cut the throats of their ponies.  The attack was in retaliation against some of the Indians who had participated in the massacre of Custer and his men at Little Bighorn. Although the Sioux and Cheyenne won one of their greatest victories at Little Bighorn, the battle actually marked the beginning of the end of their ability to resist the U.S. government. News of the massacre of Custer and his men reached the East Coast in the midst of nationwide centennial celebrations on July 4, 1876. Outraged at the killing of one of their most popular Civil War heroes, many Americans demanded an intensified military campaign against the offending Indians.
    1881 – Pope John XXIII was born Angelo Giuseppe Roncalli (d. 1963), Sotto il Monte, Bergamo, Italy.
    1884 - Evaporated milk was produced by John B. Meyenberg of St. Louis, MO, who received a patent for an “apparatus for preserving milk.” Evaporated milk is milk from which approximately 60 percent of the water has been removed by evaporation, which gave it a longer shelf life and less weight in transportation.
    1895 - Helen Hooven Santmyer’s (d. 1986) birthday, Cincinnati.  Author of “And Ladies of the Club”. When her book became famous, she was 92 and living in a nursing home. Her longtime companion, Mildred Sandoe, was also living in the same home. Santmyer had written three books while young but became a librarian in her beloved Ohio town instead.
    1909 – In NYC, the "Uprising of the Twenty Thousand" lasted 14 weeks.  It was the strike of more than 25,000 women of the International Ladies' Garment Workers Union (ILGWU) that called for higher wages and better working conditions.  The strike was only partially successful. The ILGWU accepted an arbitrated settlement in February 1910 that improved workers' wages, working conditions, and hours, but did not provide union recognition. A number of companies, including the Triangle Shirtwaist Factory, refused to sign the agreement. But even so, the strike won a number of important gains. It encouraged workers in the industry to take action to improve their conditions, brought public attention to the sweatshop conditions.  Several months later, in 1910, the ILGWU led an even larger strike, later named "The Great Revolt", of 60,000 cloakmakers. After months of picketing, prominent members of the Jewish community, led by Louis Brandeis, mediated between the ILGWU and the Manufacturers Association. The employers won a promise that workers would settle their grievances through arbitration rather than strikes during the term of the Agreement, a common clause in Union contracts today.
    1910 - Birthday of alto sax player Willie Smith (d. 1967), born Charleston, SC.
    1914 - Birthday of Joseph Paul “Joe” DiMaggio (d. 1999), born Giuseppe Paolo DiMaggio at Martinez, CA. In 1941, he captured America during “the streak”, hitting in 56 consecutive games, still the Major League record that many think will never be broken.  He was the American League MVP for three years, was the batting champion in 1939 and led the league in RBIs in both 1941 and 1948. An All-Star in each of his 13 seasons, (World War II service interrupted his career) during his tenure with the Yankees, the club won ten American League pennants and nine World Series championships. At the time of his retirement, he ranked fifth in career home runs (361) and sixth in career slugging percentage (.579). He was inducted into the Baseball Hall of Fame in 1955, and was voted the sport's greatest living player in a poll taken during the baseball centennial year of 1969.  His brothers Vince (1912–1986) and Dom (1917–2009) also were Major League center fielders.   DiMaggio was married, for nine months, to actress Marilyn Monroe in 1954.     
    1915 – Albert Einstein presented the field equations of general relativity to the Prussian Academy of Sciences.
    1915 - Birthday of reedman Gus Bivona (d. 1996), New London, CT.
    1919 - Birthday of singer Joe “BeBop” Carroll (d. 1981), Philadelphia.
    1920 – Noel Neill was born in Minneapolis.  She is best known for her portrayal of Lois Lane in the film serials “Superman” (1948) and “Atom Man vs. Superman” (1950), as well as the highly popular television series “Adventures of Superman” (1951-9).  On June 15, 2010, the southern Illinois city of Metropolis, the city that calls itself the "official home of Superman", unveiled a statue of Lois Lane. The Lois Lane statue is modelled on Noel Neill.
    1920 – Ricardo Montalban (d. 2009) was born in Mexico City.  His career spanned seven decades, during which he became known for many different roles. During the 1970s, he was a spokesman in automobile advertisements for Chrysler, and is famous for his line "fine Corinthian leather" of the Cordoba’s interior.  From 1977 to 1984, Montalbán played Mr. Roarke in the television series “Fantasy Island”. He played Khan Noonien Singh in the original “Star Trek” series and the 1982 film “Star Trek II: The Wrath of Khan”. He won an Emmy Award in 1978 for his role in the miniseries “How the West was Won”, and a Lifetime Achievement Award from the Screen Actors Guild in 1993.
    1924 - Birthday of alto player Paul Desmond (d. 1977), born Paul Emil Brentenfield, San Francisco.
    1926 - The deadliest November tornado outbreak in U.S. history struck on Thanksgiving Day. Twenty-seven twisters of great strength are reported in the Midwest, including the strongest November tornado, an estimated F4 that devastated Heber Springs, AR. There were 51 deaths in that state alone, 76 deaths and over 400 injuries in all.
    1928 - Birthday of singer Etta Jones (d. 2001), Aiken, SC.
    1930 - Acting to fill the Most Valuable Player void, The Sporting News announced its selections of New York Giants 1B Bill Terry as the MVP in the NL, and Washington Senators SS Joe Cronin in the AL.  In the 1930 season, Terry hit .401, the last in the NL to hit .400
    1931 - Birthday of cornet player Nat Adderley (d. 2000), Tampa, FL.
    1940 – Percy Sledge (d. 2015), “When a Man Loves a Woman”, was born in Leighton, AL.  The song was a No. 1 hit on both the Billboard Hot 100 and R&B singles charts in 1966. It was awarded a million-selling, Gold-certified disc from the RIAA.  Sledge was inducted into the Rock and Roll Hall of Fame in 2005.
    1941 - Stan Kenton opens at Hollywood Palladium for five weeks. He had arrived!!!
    1947 - Film industry executives announce that 10 directors, producers, and actors who have refused to testify before the House Un-American Activities Committee (HUAC) will be fired or suspended. The HUAC hearings were part of the "Red Scare" of the late 1940s and 1950s, during which Senator Joseph McCarthy and others hounded alleged communists, making unsubstantiated allegations against many innocent citizens and damaging many lives. Starting in the fall of 1947, HUAC held hearings to investigate rumored communism in the film industry. Numerous actors and executives, including Ronald Reagan, Robert Montgomery, Gary Cooper, and Walt Disney, testified. Some actors named others who allegedly belonged to the Communist Party. The hearings raised deep concerns about civil rights and freedom of expression, and some actors, including Humphrey Bogart, Lauren Bacall, and Gene Kelly, protested the hearings. Others refused to testify against their colleagues. Unfortunately, refusing to testify destroyed the careers of many actors, screenwriters, and others who were "blacklisted" (prohibited from working in the industry). The "Hollywood Ten," who refused to testify about their political affiliations, were not only fired or suspended without pay but also jailed and fined for contempt of Congress. Eventually, some 300 people were blacklisted, some on very slight evidence, and many careers were ruined. In fear for his career, Humphrey Bogart called his earlier protest against the HUAC hearings "ill-advised and even foolish”. Among those named as communists were Dashiell Hammett, Lillian Hellman, Dorothy Parker, and Lloyd Bridges. Some blacklisted writers and directors were able to work in Hollywood under pseudonyms in later years-in fact, "Hollywood Ten" screenwriter Dalton Trumbo won an Oscar for his script for “The Brave One”, written under the pseudonym Robert Rich.
    1948 - Top Hits
“Buttons and Bows” - Dinah Shore
“On a Slow Boat to China” - The Kay Kaiser Orchestra (vocal: Harry Babbitt & Gloria Wood
“Hair of Gold, Eyes of Blue” - Gordon MacRae
“One Has My Name (The Other Has My Heart)” - Jimmy Wakely
    1949 - "Rudolph, the Red-Nosed Reindeer" appeared on the music charts and became THE musical hit of the Christmas season. Although Gene Autry’s rendition is the most popular, 80 different versions of the song have been recorded, with nearly 20,000,000 copies sold. It was written by Johnny Marks based on the 1939 story of the same name, published by the Montgomery Ward Company.  The song was sung commercially by crooner Harry Brannon on New York City radio in early November 1949, before Autry’s recording hit No. 1 in the U.S. charts during Christmas week of 1949. Autry's version of the song also holds the distinction of being the only chart-topping hit to fall completely off the chart after reaching No. 1. The official date of its No. 1 status was for the week ending January 7, 1950, making it the first No. 1 song of the 1950s.
    1950 - The Great Appalachian Storm, known at the time as the "Storm of the Century", struck New England with hurricane force winds, resulting in massive forest blow-downs and storm surge damage along the Northeast coast including New York City. This storm also brought blizzard conditions to the Appalachians and Ohio Valley, becoming one of the worst storms of all time. Three hundred fifty-three people died in the event. Winds reached hurricane force along eastern slopes of the Appalachians, with gusts to 100 mph at Hartford, CT, 110 mph at Concord, NH, and 160 mph at Mount Washington, NH. Heavy rain also hit the eastern slopes, with eight inches reported at Slide Mountain, NY. The western slopes were buried under heavy snow. The storm produced record snowfall totals of 27.7 inches at Pittsburgh, PA, and 36.3 inches at Steubenville, OH.
    1951 - Birthday of Pro Football Hall of Fame coach of the Washington Redskins, (or as the PC police would prefer, the indigenous peoples of the Chesapeake watershed*) Joe Jackson Gibbs, Mocksville, NC.  During his first stint in the NFL, he coached the Redskins for 12 seasons and led them to eight playoff appearances, four NFC Championships and three Super Bowl titles, each with a different QB.  In his post-football career, Gibbs is a NASCAR championship owner after an NHRA stint.  *Tony Kornhesier.  
    1953 – Jeffrey Skilling was born in Pittsburgh.  He was the former CEO of Enron, at one time, the 7th largest firm in the US. In 2006, he was indicted on 35 counts of fraud, insider trading, and other crimes related to the Enron collapse and was convicted. He is currently serving 14 years of a 24-year, four-month prison sentence.  Though he holds a Harvard MBA, the course work of which includes accounting budgeting and pro-forma financials, he testified to the effect that he is not an accountant and does not understand accounting.  An excellent book on this unbelievable chapter in American business history…and creative accounting…is “Conspiracy of Fools” by WSJ writer Kurt Eichenwald.
    1955 - Following a summer at the top of the American pop charts, "Rock Around the Clock" by Bill Haley and His Comets became the #1 song in Great Britain.
    1956 - Top Hits
“Love Me Tender” - Elvis Presley
“Cindy, Oh Cindy” - Eddie Fisher
“Hey! Jealous Lover” - Frank Sinatra
“Singing the Blues” - Marty Robbins
    1955 - The Interstate Commerce Commission bans racial segregation in all facilities and vehicles engaged in interstate transportation, meaning buses and terminals. On December 1, Rosa Parks refuses to give up her seat in Atlanta, GA, citing this ban on racial segregation. Dr. Martin Luther King, Jr. joins her boycott and US history is changed from that date and act.
    1957 - President Eisenhower suffers a mild stroke.  Eisenhower developed a left ventricular aneurysm, which was in turn the cause of this stroke. This incident occurred during a cabinet meeting when Eisenhower suddenly found himself unable to speak or move his right hand. The stroke had caused an aphasia impairing his speech.
    1959 – Jack Scott released "What In The World's Come Over You"
    1960 - Radio actors were put out of work when CBS radio axed five serials (soap operas) from the airwaves. We said so long to "The Second Mrs. Burton" (after 14 years), "Young Doctor Malone", "Whispering Streets" (after 8 years), "Right to Happiness" (after 21 years) and "Ma Perkins" (after 27 wonderful years.) In 1940, the high point for these radio programs, there were as many as 45 on the air each day!
    1960 - Birthday of Amy Grant gospel singer (“Glory of Love”, “Baby Baby”), Augusta, GA.
    1960 - Birthday of John F Kennedy Jr., son of President and Mrs. John F. Kennedy, in Washington, DC.  He and his wife died when a plane he was piloting crashed in 1999 off Martha’s Vineyard.
    1961 - The Everly Brothers join the 8th Battalion of the US Marine Corps Reserve, arriving at California's Camp Pendleton. .
    1963 - President John F. Kennedy was laid to rest at Arlington National Cemetery.
    1964 - Top Hits
“Baby Love” - The Supremes
“Come a Little Bit Closer” - Jay & The Americans
“Ringo” - Lorne Greene
“I Don’t Care (Just as Long as You Love Me)” - Buck Owens
    1965 - Birthday of NFL Hall of Fame wide receiver and current ESPN analyst Cris Carter, Troy, OH.
    1967 - "Incense and Peppermints" by The Strawberry Alarm Clock hits the top of the Billboard Pop chart. The recording was initially intended as a 'b-side' and the lead vocal is actually that of a friend of the band, 16 year old Greg Munford, who was just hanging around during the session. Munford was not even a regular band member, but ended up singing a tune that would become a Rock and Roll standard and sell over a million copies. Despite this success, Munford never actually joined the group and drummer Randy Seol sang the song in concert.
    1972 - Top Hits
“I Can See Clearly Now” - Johnny Nash
“I’d Love You to Want Me” - Lobo
“Summer Breeze” - Seals & Crofts
“She’s Too Good to Be True” - Charley Pride
    1973 – A Presidential order was issued requiring a cutback from the 70 mile-per-house speed limit.  The 55 mile-per hour National Maximum Speed Limit (NMSL) was established by Congress in January, 1974 (PL-93-643). The National Highway Traffic Administration reported that “analysis of available data shows that the 55 mph NMSL forestalled 48,310 fatalities through 1980. There were also reductions in crash-related injuries and property damage. Motor fuel savings were estimated at 2.4 billion gallons per year.  Notwithstanding, in 1987, Congress permitted states to increase speed limits on rural interstate highways to 65 miles per hour. There are several states where the posted speed is higher.
    1975 - Deep in debt, Elvis Presley borrowed $350,000 from the National Bank of Commerce in Memphis, TN. His Graceland estate was put up as collateral.    
    1980 - Top Hits
“Woman in Love” - Barbra Streisand
“The Wanderer” - Donna Summer
“Another One Bites the Dust” - Queen
“Lady” - Kenny Rogers
    1980 - Roberto Duran quit fighting with 16 seconds left in the eighth round, saying, “No mas, no mas ( No more, no more),’ allowing “Sugar” Ray Leonard to regain the WBC welterweight title.
    1983 - The "Great Thanksgiving Weekend Blizzard" hit Denver, CO. The storm produced 21.5 inches of snow in 37 hours, closing Stapleton Airport for 24 hours. The snow and wind closed interstate highways around Denver. Visibility at Limon, CO was down to zero for 24 hours.
    1984 - The ‘Golden Bear’, Jack Nicklaus, sunk an 8-foot birdie putt on the last hole to win the second Skins Game -- for $240,000. He beat Tom Watson, Arnold Palmer and Gary Player (the 1983 winner).
    1986 - U.S. Attorney General Ed Meese announced that profits from covert weapons sales to Iran were illegally diverted to the anti-communist Contra rebels in Nicaragua.
    1986 - Don Shula of the Miami Dolphins ended speculation about his possible move to another NFL franchise by signing with the Dolphins again.
    1986 - For the first time in Billboard chart history, the top three spots are occupied by female artists. #1 is Cyndi Lauper's "True Colors", #2 is Tina Turner with "Typical Male" and #3 is Janet Jackson's "When I Think of You".
    1986 - Jose Canseco wins the American League's Rookie of the Year Award. The Cuban-American is the first A's player to win the honor since Harry Byrd accomplished the feat for the Philadelphia A’s in 1952.     
    1988 - Top Hits
“Bad Medicine” - Bon Jovi
“Desire” - U2
“Baby, I Love Your Way/Freebird Medley” (“Free Baby”) – “Will To Power
I’ll Leave This World Loving You” - Ricky Van Shelton
    1989 - Songwriter Diane Warren was the author of the number 1 and number 2 songs in the US. "When I See You Smile" was a hit for Bad English, and "Blame It on the Rain", was credited to Milli Vanilli. Warren would go on to write "I Don't Want to Miss a Thing" for Aerosmith and the Armageddon soundtrack in 1998.
    1990 - NFL's NY Giants and San Francisco 49ers, after winning their 1st 10 games, both lose.  The Philadelphia Eagles beat the Giants 31-13 and the L.A. Rams beat the 49ers 28-17.  The two would meet again in the NFC Championship, won by the Giants 15-13 after the Giants recovered Roger Craig’s fumble as the Niners were running out the clock.  Earlier in the game, the Giants Leonard Marshall separated QB Joe Montana from the ball… and parts of his body…knocking Montana out of the game with a broken finger and bruised sternum.  It remains one of the NFL’s more vicious, completely legal hits and prevented the Niners drive to Three-peat.
    1995 - Whitney Houston's song "Exhale" debuts at the top of the charts. This was the third Houston single to top the charts on the day of its release.   
    1996 - America Online announced it would sell its WebCrawler search engine to Excite. In return, AOL received some $20 million worth of Excite's stock, increasing its ownership stake in the online directory to twenty percent. The newly formed Excite directory was created in a garage by six Stanford University graduates who borrowed $15,000 from their parents. By 1999, the site was receiving some seventeen million hits per month, and that year, At Home Corp., a cable modem company, purchased Excite for $6.7 billion. @Home filed a bankruptcy petition in 2002.
    1996 – An ice storm struck the central U.S. and killed 26 people. A powerful windstorm hit Florida and winds gust over 90 mph, toppled trees and flipped trailers.
    1999 - Five-year-old Elian Gonzalez was found clinging to an inner tube off the coast near Fort Lauderdale, Florida. The boy, his mother, stepfather, and eleven other Cubans had boarded a small boat in Cuba and attempted to cross the ocean to the U.S. Elian was one of three to survive (his mother and stepfather both drowned). He lived with relatives in Miami until he was seized by the INS in an early morning raid on April 22, 2000. Jokes on the internet were plentiful with a rifle held at his head. He returned to Cuba with his father on June 28.
    2013 – “The Hunger Games: Catching Fire” grossed $161 million in the U.S. and Canada, becoming the most successful film ever released in November.
    2014 - Negotiators have extended until next June the deadline for agreements regarding Iran's nuclear program; despite failure to meet the deadline, both Iran and the six-nation group claim that progress has been made.



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