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Tuesday, November 10, 2020

Today's Leasing News Headlines

Survey Finds Nearly Half of Small Businesses
    Do Not Plan to Reopen Physical Stores
Top Ten Leasing News
    November 2 to November 6
Top Originators Have Pricing Knowledge
    Sales Makes it Happen by Scott Wheeler, CLFP
Leasing Industry Ads
    ---Help Wanted
Do I Give References Prior to an Offer
    Career Crossroads---By Emily Fitzpatrick/RII
Unemployment Rate January 2019 to October 2020
    Source: U.S. Bureau of Labor Statistics
Illinois Reveals Stores Have Sold Marijuana Products
    Valued at Half a Billion Dollars
FTC Says Zoom Misled Users
    on Its Security for Meetings
Fall Trucking Industry Insights
    Irontrax Statistics Pertaining to Trucking Industry
North Mill to Host Webinar
   on “Funding Assets from A to Z”
    Wednesday, November 18th 3:00pm EST
Labrador Retriever/Mix
    Wilmington, Delaware  Adopt-a-Dog
Become a Sponsor for only $150 to Support
  The American Association of Commercial Finance Brokers
News Briefs---
Dr. Fauci says Pfizer's reported 90% vaccine
     efficiency rate is 'extraordinary'
Mass vaccines still months away despite promising new
     COVID data from Pfizer, Gov. Gavin Newsom says
Without evidence, Georgia’s U.S. senators
    demand elections head resign
Jack Ma's terrible week
     personally lost billions when the share launch failed
You May have Missed---
Here's who's on President-elect Biden's newly formed
    Transition Covid-19 Advisory Board

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

  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.




Survey Finds Nearly Half of Small Businesses
Do Not Plan to Reopen Physical Stores

By Caiti Roach, Contributing Editor Coleman Reports

A recent survey conducted by website and marketing solutions provider, Bluehost, asked 500 business owners with fewer than 100 employees how they have adapted to ecommerce and adjusted their future business plans. Surprisingly, nearly half (48%) of business owners surveyed said that they do not see a return to brick-and-mortar stores in their futures and only 20%  said that they plan to reopen a physical location in the next year.

“In an increasingly digital era accelerated by the pandemic, small business owners are adapting their business strategies to focus on online and marketing efforts,” says Bluehost.

Here are some of the other key findings from Bluehost’s survey:

  • 61% of small businesses brick and mortar stores that have remained open throughout the pandemic said that they saw a decrease in sales while 49% of small business online stores reported a boost in sales during the same time frame.
  • 69% of small business owners recognized the importance of an increased online presence during the pandemic. However, only 61% of survey respondents said that they had a website. Over a third (36%) of small business owner respondents said that they intend to increase their social media marketing over the next few months and three out of ten respondents plan to increase communication with customers via email.
  • Three out of four small business owners report feeling optimistic about the future of their company. However, small business owners without digital marketing were found to be less optimistic overall.
  • In the past six months, 39% of small business owners made changes to their website, 31% expanded their social media presence, and 30% increased non-digital marketing efforts.

The pandemic is changing how people shop and interact with businesses in the immediate future. But this unprecedented occasion might impact the habits and expectations of customers for years to come.

Originally appeared in "Main Street Monday"
Coleman Report, 28081 Marguerite Pkwy.
#4525, Mission Viejo, CA 92690


Top Ten Leasing News
November 2 to November 6

(Stories most opened by readers)

(1) We Don't Have to Agree

(2) He's Sort of a Watchdog…

(3) North Mill Equipment Finance
    Announces Five New Employees

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

(5) Small Business Owners Looking For
    Second Round of PPP Loans

(6) Should I Pursue a MBA Degree or CLFP to Advance?
    Career Crossroads---By Emily Fitzpatrick/RII

(7) Sales Commissions
    During COVID-19

(8) “Documentation” Fees, Semantics and a War Story
     By Michael J. Witt

(9) Deutsche Bank plans to cut ties with Trump after the election
 could seize his assets if he can't pay back his debts, Reuters reports

(10)  Targeted Lease Capital Announces Upsizing
    to $10.0 Million of Its Existing Cores



Leasing Industry Help Wanted




Top Originators Have Pricing Knowledge

Sales Makes it Happen by Scott Wheeler, CLFP

Top originators in the commercial equipment leasing and finance industry understand how their products are priced. They understand how their products compare with their competitors. They are able to explain the structures and pricing of their products. Unfortunately, there are some in the industry that believe "ignorance is bliss," and try to withhold pricing details from their originators. Without this knowledge, originators are unable to win their fair share of transactions. They become order takers, rather than true financial advisors.

I always include pricing exercises with my training and coaching engagements. I am surprised by the number of originators who lack full and complete pricing basics (both newer originators and veterans). They often lack:

  • Basic understanding of "time value" of money
  • The ability to fully use T-Value to calculate payments and yields
  • The ability to suggest pricing options to their vendors and end-users.

I strongly suggest that every originator be fully educated in every aspect of the financing and leasing process, especially in reference to how transactions are priced. I strongly suggest that every originator be proficient in using T-value software. I strongly suggest that originators have the ability to offer and explain different pricing and structures to their clients with confidence. Top originators fully understand their products and the products of their competitors.

Today, the most popular calculator software is TValue, available online or software for your computer of smartphone:

Order via Amazon:  

Scott A. Wheeler, CLFP
Wheeler Business Consulting
1314 Marquis Ct.
Fallston, Maryland 21047
Phone: 410 877 0428
Fax: 410 877 8161

Sales Makes it Happen articles:


Do I Give References Prior to an Offer?

Career Crossroads---By Emily Fitzpatrick/RII

While checking references is typically one of the last steps within the interview process, all formal applications require that you provide at least three business references. Not filling out this information will raise a red flag. Do not write, “Available upon job offer” or “available at a later time”

You should feel comfortable enough with your references to provide them at any time  they may be requested by the potential employer. Obviously, if employed, do NOT include references from your current employer!

Before ANY interview, be proactive and choose your references carefully (select at least six to seven career-oriented individuals to include at least three direct supervisors or C-level executives who worked with you) and then reach out to these individuals. First, request their permission to do so, try to get an idea if they will provide positive feedback, and thank them for their time. If you get a “gut” feeling that one of the individuals will not present you in a favorable light, then try a different reference (which is why we suggest selecting six to seven).

Take it further. Prior to any job search, why not request reference letters from previous employers, colleagues, and clients? Provide these at the time you submit your resume or during your first in person interview.   

Be prepared to provide the name, current job title and employer, relationship to the reference (how long/where you worked together), work/cell numbers and email addresses of each reference. Make sure email addresses are correct by sending a ‘test’ email. Ask the reference for their preferred mode of contact and the best time for them to take 15 minutes out of their day. 

“ … Employer best practices include asking for permission prior to talking to anyone about you … most companies notify candidates that references will be checked, and you may be asked to sign a consent form ... some states have laws which regulate consent requirements and what an employer can ask about former employees …  some of these laws provide employer protections and immunity from liability for disclosing employee information … however,  in many states, the company doesn’t need your permission unless you have asked them not to contact your current employer …” 

Provide only previous employer references. If a company requests CURRENT employer references, then you must write, “Available upon job offer 

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



Unemployment Rate January 2019 to October 2020
Source: U.S. Bureau of Labor Statistics
Toronto, Canada



Illinois Reveals Stores Have Sold Marijuana Products
Valued at Half a Billion Dollars

For the sixth consecutive month, Illinois has crushed yet another cannabis sales record, having reached a $500-million benchmark of legal marijuana products that have been bought since the program was launched at the start of this year. Illinois has shown that its marijuana market is not only pandemic proof but also recession proof.

Last month, adults bought 1,557,880 cannabis products worth $75,278,200 cumulatively. That’s almost $8 million more than sales in September and about twice the sales recorded in January. These figures do not include purchases made through the state’s medical marijuana program. Based on this, to say the strides made in the market weren’t in the least impressive would be a blatant lie.

It is estimated that about $21 million of these recorded sales came from out-of-state tourists while roughly $55 million in purchases came from in-state residents. In addition, state officials announced in October that the state had surpassed $100 million in revenue due to the high sales. The revenue is being used to fund restorative justice programs and local governments.

Note: South Dakota, Oregon, New Jersey, Montana, Arizona and Mississippi have approved various measures that legalize cannabis in their states during this week’s elections.




FTC Says Zoom Misled Users
on Its Security for Meetings

Federal regulators are requiring Zoom to strengthen its security in a proposed settlement of allegations that the video conferencing service misled users about its level of security for meetings.

The settlement was announced Monday by the Federal Trade Commission. A complaint filed by the agency accused Zoom of deceiving users over security since at least 2016. It said the company held on to cryptographic keys that allowed it to access content from its customers’ meetings, and secured meetings with a lower level of privacy encryption than it promised customers.

The regulators alleged that Zoom “engaged in a series of deceptive and unfair practices that undermined the security of its users.”

Zoom Video Communications Inc., based in San Jose, California, would be required under the settlement to take specific measures, such as establishing a program for resolving privacy vulnerability. Company personnel would be required to review any software updates for security flaws.

The vote was 3-2 to propose the agreement with the FTC’s two Democratic commissioners, Rohit Chopra and Rebecca Kelly Slaughter, dissenting because it doesn’t require refunds or other redress for affected customers. The proposal will be opened to public comment for 30 days, after which the agency will decide whether to make it final.



Fall Trucking Industry Insights
Irontrax Statistics Pertaining to Trucking Industry

Although predictions being made about market statistics for 2021 may change due to market instability, for anyone who wants to be familiar with the ins and outs of the trucking industry, being familiar with the current statistical data behind it is incredibly important.  The 10 must-know statistics regarding the trucking industry and related developments over the past year are as follows:

  1. Highest GDP In The World – The U.S. currently stands at the number one spot when it comes to GDP from the trucking industry.  The GDP of this industry is higher than that of 150 nations in the entire world.
  2. Job Percentage – The trucking industry takes up a notable chunk of the U.S employee market as it accounts for more than 5.8% of all jobs in the entire country.
  3. Biggest Employer – Walmart currently has the greatest number of hired truckers, standing at 8,600.
  4. Total Weight Carried – In the U.S., trucks carry approximately 10.8 billion tons of goods across the country.
  5. Preferred Form of Transportation – Almost 70% of the goods transported in the country are carried from one state to another by trucks.
  6. Job Diversity – The trucking industry has an incredible amount of diversity with more than 40% of the jobs being held by people belonging to minorities.
  7. Grocery Store Dependence – Grocery stores are incredibly dependent on truck drivers to carry their goods and most grocery stores would run out within three days if truck drivers stopped their deliveries.
  8. Job Demand – There is an ever-growing demand for truck drivers and experts believe that the trucking industry needs to hire at least 900,000 more people to meet that demand.
  9. Annual Income – In spite of the large demand for truck drivers, their annual income is significantly less than that of most Americans.
  10. Miles Per Year – Truck drivers put countless hours into the work they do.  The average truck driver logs in more than 100,000 miles every single year.

Despite ongoing market instability, the above statistics provide an indication as to how the trucking industry is likely to function in 2021.

Used Class 8 Sales Flat in September
According to a report published by ACT Research, the price of the average used Class 8 truck sold in September was almost $40,000, and sales were nearly flat compared with a year earlier.  Sales reached 20,200 in September, dipping slightly below 20,500 a year earlier, but up from 18,500 in August. On a year-to-date basis, sales fell to 176,300, compared with 187,500 for the same period last year. Although the average sales price has risen for 4 consecutive months, it has declined for 17 consecutive months year-over-year. Nonetheless, Steve Tam, Vice President of ACT Research, believes we are very close to turning the corner and could hit a year-over-year increase for October if prices just stay where they are. In September, the average Class 8 truck cost $39,371, compared with $ $38,425 in August.  In October 2019, the price was $38,700. READ MORE

Top 2020 Issues for the Trucking Industry
On October 27, the American Transportation Research Institute (ATRI) released a report identifying the top concerns for the trucking industry. The report is based upon responses received from a combined total of 3,122 truck drivers, motor carriers and other industry stakeholders, an all-time record number of responses for the 16-year-old survey.

According to the report, driver shortage topped the list of concerns for the fourth year in a row. Other key concerns include truck parking, driver compensation and retention, and insurance costs, which made the list for the first time since 2005. Driver shortage topped the motor carriers’ list of concerns, highlighting the challenges fleets face in recruiting new talent and keeping current drivers. Driver retention was motor carriers’ No. 2 issue, and was sixth on the combined list. Truck parking climbed two spots this year to become the third-highest ranking issue of concern and achieving its highest ranking since first appearing on ATRI’s Top 10 list in 2012. Among the 1,000-plus truck drivers who responded to the survey, truck parking, driver compensation and detention issues were among the top concerns. With this information, the industry believes it can best target its resources to address trucking’s concerns.” READ MORE

New House Bill Promotes Transportation Technologies
The U.S. House of Representatives recently introduced legislation that aims to promote the adoption of new technologies throughout the country’s transportation networks. The Strengthening Methods to Advance Research and Technology, or SMART Act, introduced by Representative Troy Balderson (R-Ohio), would aim to advance innovation, efficiency and new safety programs across transportation corridors. Specifically, the bill would authorize several programs pertaining to advanced technologies, connected vehicles, automated driving systems, and digital construction management systems at the U.S. Department of Transportation. Rural areas would be covered under the bill, according to background provided by the congressman’s office. READ MORE

As Recovery Emerges, Trucking Faces Driver Supply Dilemma
Many signs in the trucking industry are pointing to strong demand for freight as we near the end of 2020 and look forward to 2021. However, individual fleets are finding it more difficult to move that freight as the supply of drivers for hire is dwindling due to the retirement of veteran truckers, drivers’ inability to pass drug tests, and competition from other “blue-collar” industries such as manufacturing and construction, as well as local delivery and private fleets. According to the National Transportation Institute (NTI), retirement accounts for 54% of the driver shortage. At the same time, the economy is coming out of the slump brought on by COVID-19. FTR Transportation Intelligence projects that utilization will accelerate in the first quarter of 2021, pushing freight rates higher than the 10-year average by next summer. That would be comparable to 2018 numbers. According to Leah Shaver, NTI CEO, most fleets report they could do four times the amount of work, if only they had qualified drivers.


Trends in Used Equipment Values

During the first half of 2019, the used truck market was relatively strong, but has since struggled as both prices and sales of used Class 8 trucks have dropped significantly. The increased number of bankruptcies among weaker trucking companies has caused more inventories to flush into the secondary market, thereby contributing to the downward movement in pricing. In addition, widespread quarantines, business closures, and unemployment brought about by the COVID-19 pandemic have caused freight volumes to pull back resulting in what has been referred to as “a fear factor” in the used truck market.

During the first two months of 2020, the pricing for used trucks averaged 28.2% lower than the same period last year. In March, in-person auctions were scaled back in favor of those online, which limited sales volume during the first two weeks of the month. While pricing did improve, it was still down roughly 10%. When the pandemic struck, it caused huge declines in both the demand and pricing for used trucks in March, April and May in an industry already experiencing a glut. Compared to the prior year, used heavy equipment prices near the end of the second quarter were down about 2%, while prices for truck tractors were down about 6%.

The market report recently published by Ritchie Brothers shows that October prices for used equipment were steady compared with those one year ago. According to the report, used heavy equipment prices, truck tractors, and vocational trucks were up or down about 1.5% year over year in both the U.S. and Canada. However, lifting and material handling prices declined about 2% in the U.S., while increasing about 1% in Canada. Irontrax does not anticipate any significant improvement in used truck values until next year, but believes some spikes in auction values may be experienced depending on the condition and type of equipment being sold.

With respect to credit, access still remains limited for many in the trucking industry. The current challenge is getting approvals for truck loans as financial institutions have tightened their financing criteria because of the “big scare” associated with COVID-19. They are worried about the uncertainty in the market because they have been providing payment deferrals since the beginning of the outbreak, and the recent spike in COVID-19 cases has intensified their concerns.

Copyright © 2020 Irontrax, All rights reserved.


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

North Mill to Host Webinar
on “Funding Assets from A to Z”

Wednesday, November 18th 3:00pm EST

NORWALK, CT – North Mill Equipment Finance LLC (“North Mill”), a leading independent commercial equipment lessor located in Norwalk, Connecticut, will host a 30-minute webinar on how referral agents can benefit from the organization’s financial solutions and record-breaking year in originations.
The live broadcast, slated for Wednesday, November 18, 2020 at 3:00 pm EST, will be the sixth and final webinar on North Mill’s schedule for 2020.  The program is entitled “Funding Assets from A to Z” and will cover a variety of topics ranging from the year’s financial highlights, to the company’s ever-expanding list of acceptable asset categories, to its latest policies and procedures. Additionally, a set of funded deals will be examined to share the types of transactions that fit snugly inside its credit box.

David C. Lee, North Mill’s Chairman and CEO, will be joining the webinar will be. At the close of the webcast, Lee will make himself available to answer attendees’ questions and offer his insight on what the industry can expect to see as we prepare to transition from a tumultuous 2020 to what hopefully will turn out to be a safer, healthier and prosperous 2021.

Despite the pandemic, North Mill experienced unprecedented growth in volume the first half of this year.  The trend continued as the business posted record originations for the third quarter, the best three months in its history.  Directly responsible for the growth are the hundreds of referral agents with whom the firm partners.  They reference the wide array of acceptable assets, range of credits, competitive commissions, and outstanding service as key elements that set North Mill apart. The company continues to be 100% reliant upon referral agents to generate business. 
To register for webinar on Wednesday, November 18 at 3:00 pm EST, please click here’

About North Mill Equipment Finance
Headquartered in Norwalk, Connecticut, North Mill Equipment Finance originates and services small-ticket equipment leases and loans, ranging from $15,000 to $300,000 in value.   A broker-centric private lender, the company handles A – C credit qualities and finances transactions for numerous asset categories including construction, transportation, vocational, manufacturing, and material handling equipment. North Mill is majority owned by an affiliate of Wafra Capital Partners, Inc. (WCP).  For more information, visit

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


Mixed Breed/Hound
Williamsville, New York  Adopt-a-Dog


5 Years, 10 months old
Size: Medium
Color: Black
site: DHA Rehoboth Adoption Center
Location: Rehoboth Center

Transferred from another shelter, Blackie is a total lover boy who adores giving hugs and receiving all the attention! At this time, he may do best as an only pet. When our friends are new to us, we are typically unsure of their full background, housebreaking status, how they are in a car or crate, if they know any commands, or if they've ever interacted with kids. We do our best to update as we learn more!

All animals from DHA are spayed/neutered, given age-appropriate vaccines, microchipped, and examined by a vet prior to adoption. All adoption fees are standard at this time unless otherwise stated. Delaware residents must purchase a dog license at time of adoption. A collar and leash for dogs are required to bring your new pet home (a harness may also be requested for specific dogs). All new pets will take time to adjust to you, your home and your routine, so we remind all adopters to allow plenty of time to decompress and provide slow introductions inside and outside of the home.

We are excited to help you find your match! If you are prepared and interested in adopting this specific pet (or have your eye on multiple), YOU MUST SUBMIT AN ADOPTION APPLICATION!

Applications are reviewed and proceeded with on a first come, first responding match basis. As we are continuing to proceed by appointment only, we will reach out to you to virtually chat about the pet, and make arrangements to meet and take home from there! Thank you for your patience and understanding; we hope you stay safe and well!

For more info, please visit We look forward to making friends for life!

Dog License: $30.00 + $3.00 processing

Delaware Human Association
DHA Wilmington
701 A Street
Wilmington, DE 19801
(302) 571-0111

Appointment Hours (Updated September 2020):
Tuesday – Saturday, 12PM – 6:30PM
Sunday & Monday, closed



News Briefs---

Dr. Fauci says Pfizer's reported 90% vaccine
     efficiency rate is 'extraordinary'

Mass vaccines still months away despite promising new
     COVID data from Pfizer, Gov. Gavin Newsom says

Without evidence, Georgia’s U.S. senators
    demand elections head resign

Jack Ma's terrible week
     personally lost billions when the share launch failed



You May Have Missed---

Here's who's on President-elect Biden's newly formed
    Transition Covid-19 Advisory Board


2017 Masters Winner Sergio Garcia withdraws from
    Masters after testing positive for Covid-19

Tom Brady suffers biggest beat down of his career and
    time is running out for Bucs to look like true Super Bowl contenders

Buccaneers' Sunday Night Meltdown Proves
     They're Far from NFC Dream Team

NFL Quarterback Questions Emerging from Week 9

49ers CB Richard Sherman cleared to practice
     after missing 2 months to calf injury

NFL stats and records, Week 9: Josh Allen,
    Patrick Mahomes set new marks


California Nuts Briefs---

Household gatherings, Halloween are driving California
     coronavirus rates higher, Gov. Gavin Newsom says

Santa Clara City Council:
    ‘The Balance of Power Has Changed’



“Gimme that Wine”

Modesto’s Gallo looks to wine country to launch
     its new premium brandy tasting room

Warner Henry’s Most Transcendent Wines

Roederer Estate and Schramsberg Vineyards:
     Legends in the California sparkling wine story

Good Wines Won’t Fix Thanksgiving, but They Couldn’t Hurt
     By Eric Asimov

Free Wine App

Wine Prices by vintage


This Day in 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.
    1775 – The US Marine Corps was established as part of the US Navy.  It became a separate unit on July 11, 1789.
    1782 - In the last battle of the American Revolution, George Rogers Clark attacks Indians and Loyalists at Chillicothe, in Ohio Territory.
    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 but 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 was chair 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.    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 – Area codes for telephones were introduced as the North American Numbering Plan, for the US, Canada and several Caribbean nations.  Devised in 1947 by AT&T and Bell Labs, 84 codes were originally assigned.  At the time, all long-distance calls were operator-assisted.  By 1960, all telephone customers could dial long distance calls themselves.
    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.
    1969 – The children’s show, “Sesame Street,” premiered.  An important, successful, and long-running show, it educates children while they are having fun.  It is produced by Sesame Workshop (known as the Children's Television Workshop (CTW) until June 2000) and was created by Joan Ganz Cooney and Lloyd Morrisett. The program is known for its images communicated through the use of Jim Henson’s Muppets.  A 1996 survey found that 95% of all American preschoolers had watched the show by the time they were three years old. In 2018, it was estimated that 86 million Americans had watched the series as children. As of 2018, Sesame Street has won 189Emmy Awards and 11 Grammy Awards, more than any other children's show.
    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
    1975 – The ore carrier, Edmund Fitzgerald, broke in two during a heavy storm on Lake Superior, killing all 29 aboard.  It remains the worst Great Lakes ship disaster and was the impetus for innumerable safety improvements aboard ships.  
    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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