Positions Wanted
Accounts Receivable/Collections

 

Ray Borgaard

Senior Accounts Receivable and Collections professional with over 30 years of experience. Have successfully and consistently reduced DSO and increased cash flow during my entire career. Have worked with Fortune 500 "C" Suite level to resolve large outstanding balances. This has been done by dealing on a one on one with these individuals after written correspondence has not resolved the delinquency.

Have worked well with marketing, contact administrators, and credit to resolve any contractual issues that are preventing payment. Looking for an opportunity with a company that can utilize my experience to have better control and results for the future.
References furnished upon request. roborgaard@aol.com

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CFL License Transition to NMLS Instructions Explained
By Kenneth C. Greene, Leasing News Legal Editor

By now, everyone knows (or should know) that the California Department of Financial Protection and Innovation (“DFPI”) has mandated that all CFL licensees, including lenders and brokers licensed to do business in the state, must transition to the National Mortgage Licensing System (“NMLS”) on or before December 31, 2021.

From the calls and emails I’ve been receiving, it appears to me that many people are having trouble starting the process, which requires that you establish an account on the NMLS. This short article will provide some simple guidelines to do that. I am also including some links to further information about the transition.

First step, as I mentioned, is to establish an account. To do that, follow these steps:

1. Go to this link: https://nationwidelicensingsystem.org/slr/resources/Pages/GettingStartedStateCo.aspx
2. Go to Step 2, which is the "Company Account Request Form". Answer the last question "no" if you do not already have an NMLS account, and “yes” if you do. Then click "next.”
3. Enter the "Captcha" characters and click "next."
4. You should see the Company Account Request Form. Answer the question "State", then click "next."
5. Fill in the Company Account Request Form and click "next".
6. Fill in the contact employee information and click "next."

This will take you to pages which ask for substantive information about your company. Once you complete the process, it will take 2-3 days before you receive confirmation that your account has been opened. At that point, you can fill out the forms for the transition.

ere are some helpful links about opening the account and the transition process itself.

Completing Company AccountRequest Form
        
CA-DFPI-CFL-NML Transition


Ken Greene Leasing & Finance Observations
https://leasingnews.org/Pages/greene_observations.html

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Help Wanted Ads

Life Balance

Sales Makes it Happen by Scott Wheeler, CLFP

The topic of “Life Balance” has always been important to professionals in the commercial equipment finance and leasing industry. How do professionals, especially originators, divide their time between personal priorities (family, friends, hobbies) and the demands of being a high-performing professional?

I recently spoke to a younger originator that described “Life Balance” as spending less time working and more time at play and he asked my opinion on his description. Below are a few of my comments:

• Life Balance is not about spending less time working or less time with your family but rather spending quality time with both.
• I do not believe that an originator needs to spend 60+ hours per week working if they are organized and efficient. Committed originators can be highly successful working 35 to 40 hours a week, if they are focused on success.
• Life Balance is about flexibility and setting priorities. There are times that an originator will need to focus more effort on their work; and times that personal responsibilities must take priority.
• Life Balance is about being happy at home and happy while at work. Personal and professional lives are always intertwined. Happiness and success in your personal and professional lives are dependent upon one another.
• Life Balance is about having a strong support system at home and at work. Happiness and success never happen in a vacuum. Your Life Balance depends upon your personal network (spouse, kids, co-workers, clients, supervisors, etc.). Treat your network with respect. Communicate your intentions clearly and with purpose.
• Celebrate your personal life at work, and your professional life at home.

Life Balance is not a new concept. Success has always required an originator to maintain balance between work and personal responsibilities.

Scott A. Wheeler, CLFP
Wheeler Business Consulting
1314 Marquis Ct.
Fallston, Maryland 21047
Phone: 410 877 0428
Fax: 410 877 8161
Email: scott@wheelerbusinessconsulting.com
Web: www.wheelerbusinessconsulting.com

Sales Makes it Happen articles:
http://www.leasingnews.org/Legacy/index.htm

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Finance and Leasing Industry Recruiters

These companies have experience in the finance and leasing industry

Second Column: YCS - Year Company Started | YELB - Years in equipment Leasing Business

Name City, State Contact Website Leasing Association	YCS YELB (see above for meaning)	Geographic Area	Specialty
Executive Solutions for Leasing & Finance, Inc. Atlanta GA 30308 Jon Gerson, President jongerson@exsolutions.com 678.528.8996 LinkedIn www.exsolutions.com	1990 (1990)	Nationwide	Search firm specializing in leasing industry. Services include retained and contingent search, strategic consultation, compensation analysis, sales & management training, & customizable consulting products.
Recruiters International, Inc. (RII) Pembroke Pines, FL 33025 Emily Fitzpatrick Sr. Recruiter info@rirecruit.com Phone: 954-885-9241 www.riicareer.com LinkedIn Also follow us on Twitter @RIIINFO	2000	North America	Explanation:  Boutique Executive Search Firm Specializing in the Finance & Equipment Leasing Industries. Our goal is to build long term relationships with our Clients & Candidates, keeping both sides abreast of current and future changes that effect supply & demand of Top Talent.  Excellent References & Testimonials
ZRG Partners 69 Milk St Third Floor Westborough, MA 01581 Contact: Ken Lubin,  klubin@zrgpartners.com Gerry Ricco, gricco@zrgpartners.com www.zrgpartners.com	1999 (32)	Global (Completed search in 33 countries   in leasing and lending)	Senior Level retained Search firm doing C-Suite searches, board searches and VP level positions, We work on a client focused, project basis

 

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Top Ten Leasing News Read by Readers
November 8 to November 12

(1) Surprise! California Asks for a Fourth Modification
    for Commercial Financial Disclosure Regulations
https://leasingnews.org/archives/Nov2021/11_08.htm#surprise

(2) New Hires/Promotions in the Leasing Business
    and Related Industries
https://leasingnews.org/archives/Nov2021/11_12.htm#hires

(3) Most Influential Women in Leasing and Finance
    Request for Nominations – Up-Date Terri McNally
https://leasingnews.org/archives/Nov2021/11_08.htm#women

(4) Companies Who Utilize Evergreen Clauses
    for Extra Lease Payments
https://leasingnews.org/archives/Nov2021/11_12.htm#evergreen

(5) Management Approves Naming Leasing News Wine Reviewer
    Kevan R. Wilkinson, Digital Content Manager, Balboa Capital
https://leasingnews.org/archives/Nov2021/11_12.htm#reviewer

(6) Former VP Sues Rivian Over 'Toxic Bro Culture'
    She Claims Led to Her Firing
https://www.thedrive.com/news/43025/former-vp-sues-rivian-over-toxic-bro-culture-she-claims-led-to-her-firing

(7) Class 8 Fleet Truck Orders Remain Tight
    Due to OEM Production Issues
https://leasingnews.org/archives/Nov2021/11_08.htm#class

(8) FAA slaps passenger on Colorado-bound flight
    with $23,000 fine for hitting flight attendant
https://www.eastbaytimes.com/2021/11/11/faa-fines-unruly-passengers-aspen-denver/

(9) Supply chain stalled by 72,000 truckers
    who failed strict drug tests
https://nypost.com/2021/11/07/supply-chain-stalled-by-72000-truckers-who-failed-drug-tests/

(10) Rivian rockets past GM to become
    second most valuable carmaker
https://www.pressdemocrat.com/article/business/rivian-rockets-past-gm-to-become-second-most-valuable-carmaker

Vaccine Mandate: Trucking Unsuccessful
in Getting Drivers Exempted by Deborah Lockridge

Companies won't have to pay for vaccines, but they
will have to give employees paid time off to get them.

Photo: Christian Emmer

Trucking groups are unhappy that the new emergency rule mandating COVID-19 vaccinations or testing does not exempt truck drivers, despite lobbying efforts, and warn that the new rules will make the supply-chain crisis worse.

The Department of Labor’s Occupational Safety and Health Administration announced the details of a requirement for employers with 100 or more employees to ensure each of their workers is fully vaccinated or tests for COVID-19 on at least a weekly basis.

Many larger trucking companies have criticized the rule because it doesn’t apply to smaller businesses and they fear they will lose drivers who don’t wish to get a vaccine to smaller motor carriers.

The emergency temporary standard, or ETS, requires covered employers to develop, implement, and enforce a mandatory COVID-19 vaccination policy, with an exception for employers that instead establish, implement, and enforce a policy allowing employees who are not fully vaccinated to elect to undergo weekly COVID-19 testing and wear a face covering at the workplace.

The Trucking Carriers Association stated, “Our industries are committed partners in the fight against COVID-19, and we unequivocally support the use of vaccines to fight its spread. However, we are concerned a mandate will cripple an already strained supply chain. We estimate companies covered by the mandate could lose 37% of drivers at a time when the nation is already short 80,000 truck drivers. We ask for flexibility for transportation and supply chain essential workers, particularly truck drivers who spend most of their time in their trucks and have minimal contact with colleagues and customers.”

While the testing requirement for unvaccinated workers will begin after Jan. 4, employers must be in compliance with all other requirements — such as providing paid-time for employees to get vaccinated and masking for unvaccinated workers — on Dec. 5.

Source: HDT Truckinginfo

 
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According to the latest jobs report, the U.S. labor market continued its recovery in October, adding 531,000 jobs as the unemployment rate edged down to 4.6 percent, the lowest since March 2020. The largest gains were once again registered in the leisure and hospitality sector (+164,000 jobs), with notable gains also occurring in in professional and business services, in manufacturing, and in transportation

By Felix Richter, Statista

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LinkedIn Advice on Passwords
Four Suggestions

1. Make sure you update your password on LinkedIn (and any site that you visit on the Web) at least once every few months.
   (Most of us will never do this, until we are hacked.)
2. Do not use the same password for multiple sites or accounts.
   (I have many multiple passwords, as well as do not save any passwords or let the computer do so. I keep them in a "flash stick" as well have them printed out should the "flash stick" fail.
   
   (It happened to me once and won't forget that.) I have heard from many readers about their email address book being hacked and reports of intrusions. Don't save passwords at sites, have many multiple passwords, even though it is a big hassle)
3. Create a strong password for your account, one that includes letters, numbers, and other characters.
   (I go to Google, create passwords, and they have web site programs that create these to the security situation choose. I use these on all financial and sites I consider very important. I know a hacker can get in anywhere, but the more difficult, it will keep the amateurs out, is my thinking.)
4. Watch out for phishing emails and spam emails requesting personal or sensitive information.
   (Most of the tricks are very obvious, so be very careful in what you open. As well as have an up-dated anti-virus/malware program.)

Kit Menkin, Editor

Mixed Breed
Philadelphia, PA  Adopt-a-Dog

Morty

ID 48791672
Male
1 Year, 1 month
Medium Size
Color: White/Tan
Neutered
Declawed: no
Housetrained: Unknown
Site: Save Me Adoption Center
Location Saved Me Adoption Center
Adoption Fee: $400

Philadelphia Rescue Center
2609 Federal St
Philadelphia, PA 19146
215-240-1240
2609 Federal St
Philadelphia, PA 19146
Info@SavedMe.org
215-240-1240
https://savedme.org/

Adoption Hours
M-F: 10-8
Sat: 10-7
Sun: 10-6

Application:
https://savedme.org/wp-content/uploads/2021/01/Saved-Me-Adoption-Application-2021.pdf

Before you adopt, please provide one veterinary reference or three personal references. We also recommend you bring all your family members in to meet the animal, as well as schedule a time for your other dog(s) to meet him or her (if you have any).  If you rent you should check with your landlord to see if you need permission to have a pet.

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Most Influential Women in Leasing and Finance

Laurie Bakke
Susan Carol, APR
Valerie Jester
Bette Kerhoulas, CLFP
Shari Lipski, CLFP
Terri McNally
Deborah Monosson
June Sciotto
Marci Kimble-Slagle, CLFP
Rebecca Smith

Laurie Bakke--athlete, sailor, Athletic Hall of Fame - 2000. After learning the finance and leasing business at ITT Commercial Finance, including Manager, Quality Control and Credit Manager, she joined NordFinance, Inc., a subsidiary of Nordbanken, AB, Sweden's largest financial institution, credit manager, vice-president Vendor program, finally named President. She then joined Irwin Commercial Finance as Executive Vice President and General Manager. She brought her vendor and operation skills to Huntington National Bank as Vice President, Vendor Finance. She has served on the board of directors of the Equipment Leasing and Finance Association and on the board of trustees for the Leukemia & Lymphoma Society.
http://www.linkedin.com/in/bakke2009

Susan Carol, APR, CEO of Susan Carol Associates, 1989. She has grown her organization from a team of writers and media relations specialists to a full-service communications firm with seasoned expertise in branding, marketing, public relations, advertising and Web development. Her client base has included many technology firms serving the leasing industry, bank lessors, independent lessors, and "the leading global consulting firm serving the leasing industry." She is always studying how her clients' interests are affected by emerging media, cultural and economic forces. She has spoken to audiences in Australia, Hong Kong and the United States on the subject of business technology applications in equipment leasing. She speaks to business groups regionally on integrating PR, advertising and marketing. Susan has assisted clients through crisis communications scenarios and managed local, state and international media representatives for many types of organizations.
http://www.scapr.com/team/bios/carol.html

Valerie Jester-- President of Brandywine Capital Associates. She served as Senior Vice President of First Sierra Financial. She was President and owner of Corporate Capital Leasing Group, which she sold to First Sierra Financial. Prior to founding Corporate Capital's predecessor company in 1988, Ms. Jester was a Regional Manager for General Electric Credit Corporation - in the company's Commercial Asset Finance Department. It is her volunteerism that nominates her as being one of the most influential women in leasing. For 17 years she has been active in the Equipment Leasing and Finance Association, very active on many committees, and also it was for her work that she was elected as the first woman chairman of the association. Ms. Jester has not limited herself and activities to one association. She also served on the Board of Directors of the Eastern Association of Equipment Lessors and as a member of the Ethics committee of the United Association of Equipment Leasing (now National Equipment Finance Association.) She also has been a speaker and chair of many industry conventions and workshops. Ms. Jester has also served on the Board of Directors of the YMCA of Chester County, Red Cross of Chester County, the American Lung Association of Chester and Delaware Counties, the Salvation Army, and the Chester County Art Association, and has served as Chair for many local fundraising events.
http://brandywinecapitalassociates.com/team.php

Bette Kerhoulas, CLFP. President Pacifica Capital founded in 1984. She has been an influence and role model for many women (and men) in our industry, not to mention she was the first female President of the United Association of Equipment Leasing. She also won a major case in California regarding application of sales tax to discounted or assigned true leases.
http://www.elfaonline.org/pub/advocacy/state/LessorsWin.cfm

Shari Lipski, CLFP--Principal, ECS Financial Services, joining the company in 1999. She was vice-president of Public Funding Company, which was sold to First Sierra Financial, where she became responsible for managing the Chicago branch office, as well as portfolio of vendor services. She has been actively involved in the Equipment Leasing and Finance Association, serving on many committees, Eastern Equipment Association of Lessors, Mid-America Association of Lessors, National Association of Equipment Leasing Brokers, and the United Association of Equipment Leasing, as well as serving on the board of directors of the Certified Leasing Professional Foundation. She has served many companies with her expertise in many areas including marketing and managing a lease portfolio, back-office leasing company operations, sales and personal property tax compliance and consulting. She and her husband Phil are the proud owners of Oak Spring Kennels in Poplar Grove, Illinois.
http://www.edwinsigel.com/services/vitae/Lipski.pdf
http://www.leasingnews.org/archives/March%202008/03-28-08.htm#akc

Terri McNally, President and Founder of Global Capital, Ltd., is a former vice-president at Ameritech Capital, Fleet Capital, and GE Capital. She is active in many associations, has won several awards and recognitions, and has served as a speaker at conferences all over the world for over 35 years. She is a member of the International Women’s Forum and is a former member of the Board of Directors for the Women’s Business Enterprise Council (WBENC). She’s engaged in efforts to train and mentor female business owners in the U.S. On her own, Terri is a frequent speaker around the world on the topics of mentoring female entrepreneurs, developing diverse business communities, entrepreneurship, and finance. Some previous speaking engagements include summits in Mexico City, Dubai, Berlin, and the United Kingdom. In 2010, Terri co-founded Women for Wounded Warriors to help spouses and caregivers of military personnel to receive training, mentorship, and ultimately, economic empowerment. Terri serves on the Board of Directors for the American Cancer Society, North Central Region.
Global Capital 2019 press release

Deborah Monosson--- President, Boston Financial & Equity Corp., a role model for women in leasing, active on the board at the Equipment Leasing and Finance Association, Equipment Leasing and Finance Foundation, first female president of the Commercial Finance Association, serving on many committees, very active and outspoken. Operates a very successful company.
http://boston.bizjournals.com/boston/stories/2009/05/11/story5.html?b=1242014400%5E1825253

June Sciotto-- President of Regal Finance, since 1988. She was one of the original person's that started the National Association of Equipment Leasing Brokers, worked countless hours to get the organization off the ground, then went on to serve on the board becoming as its first Female President. This was back in the day when the term for President was for 2 years and all the work was done by the officers and board with no help from any management group or hired individuals. Several of the policies and procedures that were implemented by June Sciotto helped bring the National Association of Equipment Leasing to become a viable association for the Leasing Broker and also broke the barriers of the other organizations by getting them to recognize the NAELB and to include its members in their meetings.

Marci Slagle, CLFP, Senior Vice President of Intermediary Funding, Varilease. She previously was Managing Director of Intermediary Funding, Tetra Financial Group, and Vice-President of Sales and Marketing at ACC Capital Funding, both located in Salt Lake City, Utah. She served as Vice President for the Certified Lease Professional Foundation. She was on the Board of Directors for the United Association of Equipment Lessors (UAEL) in 2003 and 2004, active on several committees, including being regional representative. She also served on numerous committees for the Eastern Association of Equipment Lessors and National Association of Equipment Leasing Brokers, previous vice-president of the CLP Foundation, and was a past director of the Mid-America Association of Equipment Lessors. She is active. She is involved. She is very well known and respected in the entire leasing industry.

Rebecca Smith ---Huntington National Bank East Michigan Regional President. She was Fifth Third Bank EVP commercial banking, her division produced over half of the affiliate's net income with a portfolio approaching $3 billion and a total head count of 178 employees. She was formerly at Old Kent Bank as President of East Michigan when Fifth Third Bank purchased Old Kent. Prior to the merger, she was Division Head/President of the Equipment Leasing Division/NBD Equipment Finance in Detroit, Michigan.
http://www.wjr.com/Sectional.asp?id=33954

News Briefs---

Remote work is now the hottest ‘city’
    for high-paying jobs
https://www.mercurynews.com/2021/07/09/remote-work-is-now-the-hottest-city-for-high-paying-jobs/

Airbus receives order for 255 jets
    in first major deal since COVID outbreak
https://www.cnbc.com/2021/11/14/airbus-receives-order-for-255-jets-in-first-major-deal-since-covid-outbreak.html

‘Uncertain and disquieting times’: Experts warn
      of potential swell in COVID-19 cases
https://www.eastbaytimes.com/2021/11/13/-warn-of-potential-swell-in-covid-19-cases/

Here’s why new COVID-19 anti-viral pills
    could be our ‘penicillin moment’
https://www.mercurynews.com/2021/11/14/heres-why-new-covid-19-anti-viral-pills-could-be-our-penicillin-moment/

Crunch at Ports May Mean Crisis
    for American Farms
https://www.nytimes.com/2021/11/14/business/economy/farm-exports-supply-chain-ports.html?action=click&module=Well&pgtype=Homepage&section=Business

3G shutdowns could leave most vulnerable
    without a connection
https://www.washingtonpost.com/technology/2021/11/13/3g-service-ending-fcc/

It’s electric inside Seattle’s auto show: Ford F-150
    Lightning, BMW iX and driving Bill Gates’ Porsche
https://www.geekwire.com/2021/electric-inside-seattles-auto-show-ford-f-150-lightning-bmw-ix-driving-bill-gates-porsche/

Nations reach climate deal with unprecedented reference
    to fossil fuels, but doesn't reflect urgency of crisis
https://www.cnn.com/2021/11/13/world/cop26-agreement-final-climate-intl/index.html

M.B.A. Starting Salaries Are Soaring
     Employers are willing to pay a premium to lure business-school graduates
https://www.wsj.com/articles/m-b-a-starting-salaries-are-soaring-11636952464?st=axw2xqkpjiqj8zr&reflink=desktopwebshare_permalink

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You May Have Missed---

Why the iBuying algorithms failed Zillow, and what
    it says about the business world’s love affair with AI
https://www.geekwire.com/2021/ibuying-algorithms-failed-zillow-says-business-worlds-love-affair-ai/

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Sports Briefs---

49ers' dozens of closed meetings with
    Santa Clara council members draw scrutiny
https://www.sfchronicle.com/sports/49ers/article/City-Council-members-meetings-with-49ers-16616478.php

After embarrassing loss to Broncos, Cowboys show Super Bowl
    contender credentials by bouncing back against Falcons
https://www.usatoday.com/story/sports/nfl/columnist/mike-jones/2021/11/14/dallas-cowboys-atlanta-falcons-dak-prescott/8619191002/

Stefon Diggs, Matt Breida play key roles
    as Bills get right with blowout of Jets
https://www.usatoday.com/story/sports/nfl/2021/11/14/buffalo-bills-rout-new-york-jets-stefon-diggs-matt-breida/8618562002/

Washington fires football coach Jimmy Lake in second season
https://www.espn.com/college-football/story/_/id/32631956/washington-fires-football-coach-jimmy-lake-second-seasonOregon

Ducks move up in polls after beating Washington State
https://www.oregonlive.com/ducks/2021/11/oregon-ducks-move-up-in-polls-after-beating-washington-state.html 

Matt Maiocco explains why 49ers are struggling
    at Levi’s Stadium
https://www.knbr.com/2021/11/13/matt-maiocco-explains-why-49ers-are-struggling-at-levis-stadium/

Is the Warriors’ hot start a fluke?
    These numbers say otherwise
https://www.eastbaytimes.com/2021/11/13/is-the-warriors-hot-start-a-fluke-these-numbers-say-otherwise/

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California Nuts Briefs---

Is the remote work revolution here to stay
     in the San Francisco Bay Area?
https://www.eastbaytimes.com/2021/11/14/is-the-remote-work-revolution-here-to-stay/

San Jose’s police union warned 100 cops could quit
   over the city’s vaccine mandate. Here’s what really happened
https://www.mercurynews.com/2021/11/08/san-joses-police-union-warned-100-cops-could-quit-over-the-citys-vaccine-mandate-heres-what-really-happened/

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Wine Reviews

 

2011 Pahlmeyer “Jayson” Sonoma Coast Pinot Noir
by Kevan Wilkinson, Leasing News Wine Reviewer

Normally our wine reviewer writes about inexpensive wine. He emailed recently: "My wife’s parents brought this 2011 Pahlmeyer Pinot to our outdoor dinner on Saturday. It was really good.

"I am big fan of Pahlmeyer wines, but I can’t afford them. Good thing my wife’s parents are members of their wine club."

(Leasing News asked Kevan to make an exception and write about it. Editor)

"I’ve heard from many friends and family members that Pinot Noir is more of an acquired taste. Pinot Noir is not as intensely flavored as Cabernet Sauvignon or Merlot, but when done right, it can be spectacular. Such is the case with the 2011 Pahlmeyer “Jayson” Sonoma Coast Pinot Noir. I found this wine tucked away at my in-law’s house, and we decided to open it at an outdoor Italian restaurant.

“This Pinot was well-cellared. It features the rich Bordeaux-style elegance and complexity that the best Pinot Noir’s in Napa and Sonoma are known for. It has well-balanced fruit and a smooth lingering finish. When enjoying wine, my wife and I like to describe the flavors so we can sound like experts, which we aren’t. She said this Pinot Noir had notes of strawberries and plums. I can’t recall what flavors I tasted because I was too focused on my pasta. That said, this is an exceptional Pinot from one of the best wineries in Napa/Sonoma. It will set you back about $70/bottle if you can find it, so it’s a wine for special occasions."   

Livermore Valley wineries aim to step out
    of Napa's shadows with new heritage district
https://www.sfchronicle.com/food/article/Livermore-Valley-wineries-aim-to-step-out-of-16615749.php

Sonoma Cabernet Sauvignon Differentiated
    By Climate and Diversity, Winemakers Claim
https://www.forbes.com/sites/lizthach/2021/11/11/sonoma-cabernet-sauvignon-differentiated-by-climate-and-diversity-winemakers-claim/?sh=228c311000d4

World Wine Crop Drops Dramatically
https://www.winespectator.com/articles/world-wine-crop-drops-dramatically

“Gimme that Wine”
http://www.youtube.com/watch?v=EJnQoi8DSE8

Free Wine App
https://www.nataliemaclean.com/mobileapp/

Wine Prices by vintage
http://www.winezap.com
http://www.wine-searcher.com/

This Day in History

     1492 - Christopher Columbus notes first recorded reference to tobacco. His main objective was bringing slaves back to Spain but he also introduced tobacco, first to chew, and then to smoke, addicting Europe to nicotine, which became the new world's major export, as grown and harvested by African slaves.
    1598 - Juan de Onate declares possession of Hopi land (northern Arizona) in name of Spanish crown.
    1626 - The original Mayflower "pilgrims" (Separatists), having lived in their American colony for six years, bought out their London investors for 1,800 pounds.
    1660 - First kosher butcher, Asser Levy, was licensed in New Amsterdam.  Levy was also the first Jew to own land in North America.
    1763 - Charles Mason and Jeremiah Dixon begin surveying Mason-Dixon Line between Pennsylvania and Maryland.  Maryland’s charter of 1632 granted the Calvert’s land north of the entire length of the Potomac River to the 40th parallel. A problem arose when Charles II granted a charter for Pennsylvania in 1681. The grant defined Pennsylvania's southern border as identical to Maryland's northern border, but described it differently, as Charles relied on an inaccurate map. The terms of the grant clearly indicate that Charles II and William Penn believed the 40th parallel would intersect the Twelve-Mile Circle around New Castle, Delaware, when in fact it falls north of the original boundaries of the City of Philadelphia, the site of which Penn had already selected for his colony's capital city. Negotiations ensued after the problem was discovered in 1681. A compromise proposed by Charles II in 1682, which might have resolved the issue, was undermined by Penn receiving the additional grant of the "Three Lower Counties" along Delaware Bay, which later became the Delaware Colony, a satellite of Pennsylvania. Maryland considered these lands part of its original grant.  The conflict became more of an issue when settlement extended into the interior of the colonies. In 1732, the governor of Maryland, Charles Calvert, 5th Baron of Baltimore, signed a provisional agreement with William Penn’s sons, which drew a line somewhere in between and renounced the Calvert claim to Delaware. But later, Lord Baltimore claimed that the document he had signed did not contain the terms he had agreed to and refused to put the agreement into effect. Beginning in the mid-1730s, violence erupted between settlers claiming various loyalties to Maryland and Pennsylvania. Progress was made after a court ruling affirming the 1732 agreement, but the issue remained unresolved until Frederick Calvert, 6th Baron of Baltimore, ceased contesting the claims on the Maryland side and accepted the earlier agreements. Maryland's border with Delaware was to be based on the Transpeninsular Line and the Twelve-Mile Circle around New Castle. The Pennsylvania–Maryland border was defined as the line of latitude 15 miles south of the southernmost house in Philadelphia (on what is today South Street). As part of the settlement, the Penns and Calverts commissioned the English team of Mason and Dixon to survey the newly established boundaries.
    1777 - The Articles of Confederation were adopted in Philadelphia, PA. South Carolina was the first of the 13 states to ratify them, on February 5, 1778, and Maryland was the last, on January 30, 1781. The articles were formally announced to the public on March 1, 1781.
http://memory.loc.gov/ammem/today/nov15.html
    1791 – The first Catholic college in the U.S., Georgetown, opened.
    1805 - Explorers Lewis & Clark reach the mouth of the Columbia River. Accompanying them is a black slave, York, who, while technically Clark's valet, distinguished himself as a scout, interpreter, and emissary to the Native Americans encountered (they had never seen a “black” man and considered him “a medicine man of the spirits.”
    1806 - Lt. Zebulon Montgomery Pike sighted a mountain peak that now bears his name. The massive, towering (elevation 14,110 feet) behemoth had been called “The Long One” by Ute Indians. Its name was changed to honor the young army lieutenant. Lt. Pike was leading a survey party into the newly acquired Louisiana Purchase when he spotted the snowcapped peak in the distance. “Pike's Peak or Bust!” was the familiar slogan of many a wagon train settler traveling west in the 1800s. Visitors to the Pike's Peak region (near Colorado Springs) continue to be captivated, inspired, and enthralled by Colorado's most famous mountain.
    1869 - Free postal delivery formally inaugurated.
    1873 - Birthday of Sara Josephine "Jo" Baker (d. 1945), Poughkeepsie, NY.  Doctor and public-health worker, she founded the Bureau of Child Hygiene. Her revolutionary methods of teaching hygiene, providing nutrition, and prenatal care reduced infant mortality by 1200 a year, making New York City's infant mortality rate the lowest in the U.S., dropping infant deaths from 144/1000 live births in 1908 to 66/1000 in 1923. Going door-to-door with a team of 30 nurses, Dr. Baker taught basic hygiene, nutrition, ventilation. She established free milk stations, devised a simple baby formula, created training for older children who had to care for younger when the mother went to work to earn food for the family, invented the "obvious but previously unthought- of, system of making baby clothes all open down the front that eliminated suffocation, Under her guidance the infant mortality rate of 1,500 per week dropped to 300 and soon New York could claim the lowest infant mortality rate in the world. She retired in 1923 after all 48 states had copied her methods.
    1881 - Birthday of Georgia O'Keefe (d. 1986), at Sun Prairie, WI. Described as one of the greatest American artists of the 20th century, in 1924, she married the famous photographer Alfred Stieglitz. His more than 500 photographs of her have been called “the greatest love poem in the history of photography.” She painted desert landscapes and flower studies.
    1885 - Birthday of Forrest Clare “Phog” Allen (d. 1974), Jamesport, MO.  Basketball player and Basketball Hall of Fame coach, he met Dr. James Naismith, inventor of basketball, while Allen was a student at the University of Kansas and Naismith was coaching there. Allen played for Naismith and then became a coach himself, primarily at his alma mater until 1956 when he was forced to retire. Over 46 years, his team won 771 games and lost only 233. He wrote three books about the sport and was instrumental in having basketball added to the Olympic program in 1936. Inducted into the Naismith Memorial Basketball Hall of Fame in 1959.
    1886 - Believed to be the anniversary of George Spelvin's theatrical birth, in Charles A. Gardiner's play “Karl the Peddler,” in a production at New York, NY. The name (or equivalent Georgina, Georgetta, etc.) is used in play programs to conceal the fact that an actor is performing in more than one role. The fictitious Spelvin pseudonym is said to have appeared in more than 10,000 Broadway performances.
    1886 - In the first Major League trade ever, the Cincinnati Red Stockings of the American Association dealt rookie catcher Jack Boyle and $400 to the St. Louis Browns for outfielder Hugh Nicol.
    1887 - The American newspaper columnist, translator, poet, and radio personality, F.P.A., was born Franklin Pierce Adams (d. 1960), Chicago, Illinois. His humorous syndicated column will earn him the reputation of godfather of the contemporary newspaper column.
    1887 – Georgia O’Keefe (d. 1986) was born at Sun Prairie, WI.  One of the major American artists of the 20th century, she painted desert landscapes and flower studies.  She was married to photographer Alfred Steiglitz whose more than 500 photographs of her have been called the “greatest love poem in the history of photography.”
    1887 - Marianne Moore (d. 1972), poet and Yankee baseball fan, born near St. Louis, Missouri.
http://www.kirjasto.sci.fi/mmoor.htm
    1889 – Amos Alonzo Stagg at Yale University, New Haven, CT, created a football dummy for tackling purposes. He used an old gymnasium mat for the purpose.
    1900 - A lake effect snowstorm dropped 45 inches of snow in 24 hours at Watertown, NY
    1904 - One of Broadway's most famous phrases was first spoken when Ethel Barrymore, appearing in the play, "Sunday," said the line, "That's all there is. There isn't any more," as the curtain fell.
    1913 - Drummer Gus Johnson (d. 2000) birthday, played with Count Base and Duke Ellington, among others.
http://elvispelvis.com/gusjohnson.htm
http://www.centrohd.com/biogra/j1/gus_johnson.htm
    1926 - Network radio was born. 24 stations carried the first broadcast from (bong-bing-bong) NBC, the National Broadcasting Company. The program was a gala 4½-hour broadcast from the Waldorf-Astoria Hotel in New York City. Two remote pickups were also on the program. Opera star Mary Garden sang from Chicago and Will Rogers presented a humorous monologue from Independence, Kansas. Charles Lindbergh was among the luminaries who attended the broadcast.
    1932 - Birthday of Petula Clark, born Sally Olwen Clark at Dwell, Surrey, England.  She is best known for hits “Downtown,” “I Know a Place” “This is My Song.”  "Downtown" went to No. 1 on the American charts in January 1965 and 3 million copies were sold in America.  "Downtown" was the first of 15 consecutive Top 40 hits Clark achieved in the United States.  The American recording industry honored her with Grammy Awards for "Best Rock & Roll Recording of 1964" for "Downtown" and for "Best Contemporary (R&R) Vocal performance of 1965-Female" for "I Know a Place." In 2004, her recording of "Downtown" was inducted into the Grammy Hall of Fame.
    1934 - The Dorsey Brothers record their theme, “Sandman.”
    1939 - President Roosevelt laid the cornerstone of the Jefferson Memorial in Washington, D.C.  By 1901 the Senate Park Commission had proposed placing a Pantheon-like structure on the site hosting "the statues of the illustrious men of the nation, or whether the memory of some individual shall be honored by a monument of the first rank may be left to the future"; no action was ever taken by Congress on this issue.  The completion of the Tidal Basin Inlet Bridge in 1908 helped to facilitate the recreational usage of East and West Potomac Parks. A design competition was held for a memorial to Theodore Roosevelt in 1925. The winning design was submitted by John Russell Pope and consisted of a half-circle memorial situated next to a circular basin. The plan was never funded by Congress and was not built.  The Memorial's chance came in 1934 when President Franklin Roosevelt, an admirer of Jefferson himself, inquired to the Commission of Fine Arts about the possibility of erecting a memorial to Jefferson, including it in the plans for the Federal temple project, which was under construction at the time. Later the same year, Congressman John J. Boylan jumped off FDR's starting point and urged Congress to create the Thomas Jefferson Memorial Commission. Boylan was appointed the Commission's first chairman and Congress eventually appropriated $3 million for a memorial to Jefferson.  The Commission chose John Russell Pope as the architect in 1935.  Construction had begun on December 15, 1938.
    1940 - The first 75,000 men were called to United States Armed Forces duty under peacetime conscription.
    1950 - When Arthur Dorrington signed a contract to play hockey with the Atlantic City Seagulls of the Eastern Amateur League, he became the first African-American to play organized hockey in the US. He played for the Seagulls during the 1950 and 1951 seasons.
    1952 - In a NBA overtime game between the Baltimore Bullets and the Syracuse Nationals, a record 13 players, five Bullets, and eight Nats, fouled out. The referees let some of the Syracuse players back into the game and called a technical foul every time one of them committed an additional personal foul. Baltimore won, 97-91.
    1954 - Top Hits
“I Need You Now” - Eddie Fisher
“Hold My Hand” - Don Cornell
“Mr. Sandman” - The Chordettes
“More and More” - Webb Pierce
    1954 - CBS-TV's "Studio One" had Joan Weber singing "Let Me Go, Lover." The song enjoyed a bit of popularity before the television show aired, but skyrocketed to fame after.
    1956 - Elvis Presley's first film, "Love Me Tender," premiered.
    1960 - A $3.5 million offer for the Kansas City Athletics was accepted from a St. Louis group and the sale of the 52% stock by the widow of the late Arnold Johnson is expected tomorrow. A sale of the remaining minority stock is also expected.
    1961 – The Yankees’ Roger Maris, on the heels of his record-breaking 61 homer season, won the AL MVP for the second consecutive year, nosing out teammate Mickey Mantle by four votes.
    1962 - Top Hits
“He's a Rebel” - The Crystals
“Big Girls Don't Cry” - The Four Seasons
“All Alone Am I” - Brenda Lee
“I've Been Everywhere” - Hank Snow
    1964 - The first bridge player to win more than 1,000 master points in one year was Oswald Jacoby of Dallas, Texas, who passed the 1,000 mark in a tournament this day held at Edgewater Park, MS. His total points for 1963 were 1,034.
    1965 - Craig Breedlove set a world speed record at Utah's Bonneville Salt Flats with a speed of 600.601 mph.
    1966 - The flight of Gemini 12 ended successfully as astronauts James A. Lovell and Edwin “Buzz'' Aldrin Jr. splashed down safely in the Atlantic.
    1966 – One of the major stories in San Francisco at the time occurred when the SFPD raided the Psychedelic Shop and arrested Allen Cohen, 26, the store clerk, for selling "The Love Book" by Lenore Kandel, a small pamphlet of 8 pages with 4 poems, on grounds of obscenity. It was the dawn of the psychedelic age in the Haight-Ashbury neighborhood of San Francisco. Ronald Reagan had just been elected Governor of California on a platform that included harassment of hippies.  The Psychedelic Shop, the most famous head shop on Haight St. (and perhaps the first head shop in the world), became famous. The subsequent trial of Cohen, Ron Thelin and a City Lights Bookstore clerk becomes the longest criminal trial in San Francisco history to that point. A San Francisco jury convicts all three and finds “The Love Book” to be obscene (Lenore Kandel's first appearance in literary history is as a character: the sexy Ramona Swartz, who spends a spooky weekend in a cabin with Jack Duluoz (Jack Kerouac), Dave Wain (Lew Welch), and Duluoz's girlfriend Billie in Kerouac's novel, “Big Sur”).
http://www.litkicks.com/BeatPages/page.jsp?what=LenoreKandel
http://www.amazon.com/exec/obidos/tg/detail/-/0966531310/
102-1955754-7540966?v=glance
http://www.worldhistory.com/wiki/L/Lenore-Kandel.htm
http://www.superstitionstreet.com/vesuvio.html
    1969 - A quarter of a million protesters staged a peaceful demonstration in Washington, D.C., against the Vietnam War.
    1969 - The first album featuring musical brother and sister act Karen and Richard Carpenter, "Offering," was released by A&M Records. While this Carpenter's tune was not a big seller, a single on the album, a remake of The Beatles' "Ticket to Ride," gained national attention. Their next album would establish them as international stars with "Close to You."
    1969 - Rock singer Janis Joplin was accused of vulgar and indecent language and was arrested in Tampa, Florida. She was later released on a $50 bond.
    1970 - Top Hits
“I'll Be There” - The Jackson 5
“We've Only Just Begun” - Carpenters
“I Think I Love You” - The Partridge Family
“I Can't Believe That You've Stopped Loving Me” - Charley Pride
    1974 - The pressure-sensitive adhesive postage stamp was introduced. It was a 10-cent Dove of Peace pre-canceled Christmas stamp, depicting a dove weather vane.
    1978 - Top Hits
“MacArthur Park” - Donna Summer
“Double Vision” - Foreigner
“How Much I Feel” - Ambrosia
“Sleeping Single in a Double Bed” - Barbara Mandrell
    1980 - Kenny Rogers got his first #1 solo song after years of success on the charts with the New Christy Minstrels and First Edition. The song was "Lady," written by Lionel Richie, which stayed at the top for six weeks.
    1986 - Ivan F. Boesky, reputed to be the highest-paid person on Wall Street, faced penalties of $100 million for insider stock trading. This was the highest penalty ever imposed by the SEC. In 1987, he was sentenced to jail for three years beginning in 1988, plus barred from dealing in securities and ordered to pay $100 million in penalties. Boesky cooperated with the SEC in an insider-trading probe that rocked Wall Street.
http://eightiesclub.tripod.com/id316.htm
    1986 - Top Hits
“Amanda” - Boston
“Human” - Human League
“True Blue” - Madonna
“Diggin' Up Bones” - Randy Travis
    1988 - A strong F2 tornado hit Topeka, KS injuring 22 and causing $4 million damage. Another strong F2 tornado ripped a 43-mile path through Saline, Pulaski, Lonoke and Prairie counties in central Arkansas and killed 5, injured 60 and did $15 million damage. Hail to 3.5 inches in diameter fell near Denton, TX.
    1989 - An F4 tornado hit Huntsville, AL with winds estimated between 207 and 260 mph. The tornado had a damage path 18 miles long and up to 1/2 mile wide. It killed 21 and injured 463. Total damage was $100 million.
    1990 – 42-year-old former world heavyweight champ, George Forman, stopped Gerry Cooney in two rounds in Atlantic City in a non-title bout.  It was Cooney’s last fight.
    1990 - Golden State coach Don Nelson becomes the second man in NBA history to appear in 1,000 games both as a player and coach (joining Lenny Wilkens) as the Warriors lose to the Indiana Pacers, 144-105.
    1997 - San Francisco head coach George Seifert announces his resignation after 8 highly-successful NFL seasons with the 49ers, leaving as the winningest coach in team history at 108-35.  He won two Super Bowls.
    2001 – Wikipedia, a free Wiki or content encyclopedia, is launched by Jimmy Wales and Larry Sanger.
    2002 - "Harry Potter & the Chamber of Secrets" movie opens in the US.
    2005 - After months of deadlock, leaders of Major League Baseball and the players union reach an agreement to clean up a performance-enhancing drug scandal that has tarnished the nation's pastime and left lawmakers worried about young athletes imitating the wrong role models. It will require baseball players to submit to several drug tests each year, during and between seasons, and will impose lengthy suspensions for steroid and amphetamine use. Repeat offenders can be banned for life. The agreement, which must be ratified by both the players and baseball owners, is similar to a proposal offered earlier this year by Commissioner Bud Selig…and this was BEFORE the Mitchell Report was released in 2007.
    2007 – Barry Bonds was arraigned on five counts of perjury and obstruction of justice for his involvement in the federal investigation of BALCO.
    2009 – Captain Chesley Sullenberger landed a crippled USC Airways Flight 1549 on the waters of the Hudson River shortly after take-off from LaGuardia Airport.  All passengers and crew survived in what became known as “The Miracle on the Hudson.”  The plane struck a flock of birds shortly after take-off, losing all engine power. Unable to reach any airport for an emergency landing due to their low altitude, Sullenberger and co-pilot Jeffrey Skiles glided the plane to a ditching in the river off midtown Manhattan.  All 155 people on board were rescued by nearby boats with only a few serious injuries.  This water landing of a powerless jetliner with no deaths moved a NTSB official described it as "the most successful ditching in aviation history." The Board rejected the notion that the pilot could have avoided ditching by returning to LaGuardia or diverting to nearby Teterboro Airport.  The pilots and flight attendants were awarded the Master's Medal of the Guild of Air Pilots and Air Navigators in recognition of their "heroic and unique aviation achievement.” It was dramatized in the 2016 film, ”Sully,” starring Tom Hanks.
    2010 - The U.S. announces it will provide an additional $500 million to aid Pakistan to help rebuilding efforts after major floods ravaged the country.
    2011 - New York's Police Department clears Occupy Wall Street protesters from Zucotti Park, the public space they have occupied to stage their protest.
    2018 – US Olympic gold medalist, Simone Biles, said she is one of more than 130 women who were sexually abused by former team doctor, Larry Nassar. For 18 years, he was the team doctor of the team which gave him access to hundreds of girls and young women whom he sexually abused. He is also a former physician and former professor at Michigan State University.  Nassar's sexual abuse of young girls and women and the subsequent cover-up led to the USA Gymnastics sex abuse scandal that began in 2015, alleging that Nassar repeatedly sexually assaulted at least 265 young women and girls under the guise of medical treatment.  His victims included numerous Olympic and US women’s national gymnastics team gymnasts.  Nassar was sentenced to 60 years in federal prison on December 7, 2017, after pleading guilty to child pornography and tampering with evidence charges on July 11, 2017. On January 24, 2018, Nassar was sentenced to an additional 40 to 175 years in Michigan State prison after pleading guilty in Ingham County to seven counts of sexual assault of minors.  On February 5, 2018, he was sentenced to an additional 40 to 125 years in Michigan State prison after pleading guilty to an additional three counts of sexual assault in Eaton County. The Eaton County sentence will run concurrently with the Ingham County sentence.  On the orders of the judge in charge of the federal case, his state prison sentences are to run consecutively with his federal sentence, amounting to a sentence of de facto life imprisonment without parole.
    2020 – The global death toll from the COVID-19 pandemic passed 2 million with the belief that the true total is likely much higher.