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Friday, November 4, 2022


Today's Leasing News Headlines

Optimism Continues
    By Scott Wheeler, CLFP, Business Consulting
New Hires/Promotions in the Leasing Business
    and Related Industries
Leasing and Finance Industry Help Wanted
    Work from Home/Marketing Support, Xcellent Compensation
Today, Is Sales Like a Sport?
    Sales Make it Happen by Steve Chriest
FDIC Acting Chairman Martin J. Gruenberg at the
  National Association of Affordable Housing Lenders

    Progress with More Families in the Banking System
American Lease Insurance sold
    to American Bankers Insurance Group
Notarize and Northteq Launch
    Online Notarization Integration
Press Releases Received After Press Deadline
  ELFF Projects 1.8% Growth
     in US Economy in 2022
Now Streaming: God's Country; The Munsters;
  Athena; Confess, Fletch; Dead for a Dollar

    With Reviews by Leasing News Fernando Croce
Husky/Alaskan Malamute Mix
    Minneapolis, Minnesota  Adopt-a-Dog
News Briefs ----
How the Amazon/Parafin Merchant Cash
    Advance Deal Came to Be
Credit unions originate record $62.1 Billion
    vehicle financing in Q3 via Origence
CVS, Walgreens announce opioid settlements
    totaling $10 Billion
Apple now worth more than Alphabet,
    Amazon and Meta combined
Judge appoints independent monitor to oversee
    Trump Organization financial filings

You May Have Missed ---
Starbucks earnings beat expectations as
     consumers spend more in its U.S. stores

Broker/Funder/Industry Lists | Features (wrilter's columns)
Top Ten Stories Chosen by Readers | Top Stories last six months
Sales Make It Happen

Sports Brief----
 California Nuts Brief---
   "Gimme that wine"
    This Day in History
     SuDoku
      Daily Puzzle
       GasBuddy
        Weather, USA or specific area
         Traffic Live----
          Wordle

######## 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.



[headlines]
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Optimism Continues
By Scott Wheeler, CLFP, Business Consulting


Optimism continues in the commercial equipment leasing and finance industry. I traveled extensively in the month of October facilitating on-site visits with my clients. My on-site visits confirmed that both banks and independent finance/leasing companies are actively positioning themselves for controlled growth and sustainability. I want to share the following general observations:

  • Our industry is changing. Automation, efficiencies, and internal processes are adapting to the changing needs and wants of our commercial clients.
  • Competition is fierce, especially for the highest quality assets. Margins continue to be squeezed, especially for the commodity players (specifically banks).
  • With only a few exceptions, portfolios continue to perform exceptionally well based upon historical data. There are a few cracks, but overall portfolio performance remains historically strong. I am constantly reminding professionals to maintain their credit underwriting discipline to avoid the next bump in the road. Although we cannot predict when the bump in the road will occur, it will come, and the most prudent professionals are preparing for it.
  • Independents are becoming more equipment centric. They are providing real expertise to the market. They are realizing up-side potentials because of their ability to generate significantly more business and because of their ability to re-market equipment when needed. I am encouraged by the trend, but warn professionals to not be overconfident, until their expertise has been fully tested in a down market.
  • Yields are increasing across the board and, to date, these increases have not hindered activity. Business owners are buying equipment now before equipment cost or yields increase even further. There is a built-in sense of urgency.
  • Cost of funds are significantly increasing; and many participants continue to fund their transactions with floating lines while their products are fixed for the term of the financing or leasing agreement. Match funding is appropriate to protect future earnings.
  • Some industry participants are reducing terms and, when offering longer-term transactions, they are including rate reset provisions to offset prolonged increases in cost of funds.
  • The potential in the market continues to grow for those professionals and organizations that understand their position in the market, know their clients, and strive to offer superior products and services.


Scott A. Wheeler, CLFP

Wheeler Business Consulting
Comments, questions and suggestions are welcome.
Phone: 410-877-0428
email: scott@wheelerbusinessconsulting.com

Wheeler Business Consulting works with banks, independents, captives, origination companies, and investors in the equipment leasing and finance arena. We provide training, strategic planning, and acquisition services. Scott Wheeler is available to discuss your long-term strategy, to assist your staff to maximize outcomes, and to better position your organization in the market.


[headlines]
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New Hires/Promotions in the Leasing Business
and Related Industries


Michael LaPierre, a key leader of Project BOOST, will assume a new title: Vice President of Finance & Strategy, Meridian OneCap Credit Corp., Burnaby, British Columbia. He joined the company September, 2018, Director of Finance. Prior, he was at First West Credit Union, starting July, 2014, Senior Manager, Financial Integration; promoted November, 2016, Director of Financial Reporting and Controls, promoted July, 2017, Director Financial Planning and Analysis; Principal Consultant Finance and Business Intelligence, Temenos (July, 2011 - July, 2014). He began his career at First West Credit Union, starting April, 2002, Financial Accountant, promoted April, 2006, Assistant Controller, promoted February, 2010, Business Application Manger, People Soft.
https://www.linkedin.com/in/michael-l-129b571a/


William (Bill) J. Mayer was hired as Executive Managing Director, Tiger Capital Group, Boston, Massachusetts. He previously was at Wells Fargo in several positions, starting September, 2002.
Full Bio:
https://www.linkedin.com/in/william-mayer-a6a82865/details/experience//
https://www.linkedin.com/in/william-mayer-a6a82865/


Brian McGratty was hired as Manager, Pac Western Financial, New York, New York. Previously, he was Business Development Vice President, Equity Building Financial (September 2022 - October, 2022); Relationship Relations Manager, 1West Finance (October, 2020 - December, 2021). Full Bio:
https://www.linkedin.com/in/brian-mcgratty-677a11b3/details/experience/
https://www.linkedin.com/in/brian-mcgratty-677a11b3/


Michelle Moval hired as Business Development Representative, KLC Financial, Minnetonka, Minnesota. She is located in Southern California. Previously, she was Finance Manager, Ascentium Capital (May, 2020 - October, 2022); National Account Manager, AP Equipment Financing (July, 2019 - May, 2020): Merchandiser, Fred Meyers (October, 2015 - July 2019).
https://www.linkedin.com/in/michellemoval3/


Joe Noonan was hired as Sales Director, Element Fleet Management, Toronto, Canada. He is located in Minneapolis, Minnesota. Previously, he was at TLC Companies, starting February, 2012, Vice President Sales and Product Development, promoted July, 2020, Senior Vice President of Sales; Vice President, Sales Manager, TCF Equipment Finance (April, 2010 - February,2012).  Full Bio:
https://www.linkedin.com/in/joe-noonan-0b807b12/details/experience/
https://www.linkedin.com/in/joe-noonan-0b807b12/


Keith Reilly was hired as Senior Vice President Capital Markets, Wintrust Commercial Finance.  He is located in Towson, Maryland. Previously he was Vice President, Encina Equipment Finance, LLC (April, 2021 - October, 2022); Director, Equipment Finance, Truist Security (January, 2020 - April, 2021).  He joined BB&T July, 2010, Leadership Development Program Associate, July 2010, promoted May, 2011, Commercial Credit Officer,  promoted January, 2014, Assistant Vice President, promoted November 2016, Vice President.
https://www.linkedin.com/in/keith-reilly-62b3787


Jourdan Saegusa was hired as Director, Northteq, Minneapolis, Minnesota. He is located in the Greater St. Louis area. Previously, he was Senior Vice President, COO, Equipment Finance, Midland States Bank (January, 2018 - September, 2022); Chief Operations Officer, Scottrade Bank Equipment Finance (January, 2013 - January, 2018); VP, Capital Markets, TCF Equipment Finance (February, 2009 – January, 2013). Prior, he was with Popular Leasing, August, 2005, Sr. Business Development Officer; promoted January, 2006 to Manager, Acquisitions & Syndications, Popular Equipment Finance, a subsidiary of Banco Popular.  VP of Sales, TEAM Equipment Leasing (September, 1999 – August, 2005); Director of Product Sales, Sunset Direct (1997 – 1999); Account Executive, Amherst (1996 – 1997); Corporate Sales Manager, Computize (1994 – 1996).
https://www.linkedin.com/in/jourdan-saegusa-91b12b1/


Nahid Zamir was hired as Vice President of Operations and Transformation, Meridian OneCap, Burnaby, British Columbia. She is based in Toronto. She joined CIT  then known as Newcourt Credit Group in 1995;, at CIT in 2000, she was promoted to AVP Operations, Business Process Development, promoted 2006 Vice President, Operations, promoted 2010, Compliance Lead, promoted 2007 Director, Originations, promoted Director, Lender Finance Operations, promoted 2018, Senior Vice President, Operations.  Full Bio:
https://www.linkedin.com/in/nahid-zamir-493b444/details/experience/
https://www.linkedin.com/in/nahid-zamir-493b444/


[headlines
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Leasing and Finance Industry Help Wanted
Excellent Compensation/Marketing Support/Work

 

[headlines]
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Today, Is Sales Like a Sport?

Sales Make it Happen by Steve Chriest

This question was posed by a person relatively new to sales, who wanted to remain anonymous. The books she reads often reference sports when talking about sales ideas and techniques. I think this new salesperson is onto something important. Professional selling is, for me, a discipline, and we can find more parallels to sales in sports than anywhere else.

The best among sports professionals are known for spending more time practicing their sport than their counterparts. Michael Jordan could be found in the basketball gym hours after his teammates left practice sessions. Jack Nicklaus, after a grueling round of tournament golf, could be found on the driving range, hitting 500 balls in preparation for the next day’s golf round.  When he first joined the Golden State Warriors, Steph Curry was often been seen practicing in the gym at midnight, while everyone else is home sleeping.

  • For sales professionals, the equivalent of practicing in sports is preparation. The best sales professionals I’ve known have mastered the art of preparation.
  • They know their prospects and clients.
  • They know how their offerings will impact their customers’ businesses.
  • They know how to listen intently to discover what their customers want to accomplish, fix or avoid.
  • They know how to negotiate win-win outcomes that satisfy everyone and maintain key relationships.
  • They know how to structure profitable deals
  • They know how to prepare account strategies and sales call plans designed to respect everyone’s time limitations.
  • They know that walking away from an opportunity, when appropriate, isn't failure.
  • And they’ve learned how to play nice with everyone in their organizations.

Unfortunately, too many new salespeople, and too many experienced salespeople, never receive the type of foundational training that is absolutely required for success in any sport. No one teaches them the basics.


Steve Chriest is the CEO of Open Advance and author of “Selling to the E-Suite, The Proven System for Reaching and Selling Senior Executives and Business Acumen 101.”  He is the former president of several leasing companies. Today, he produces video and radio blogs, as well as continuing as a columnist for Leasing News since 2005.
800-570-7145
schriest@sbcglobal.net
http://www.openadvance.com



[headlines]
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FDIC Acting Chairman Martin J. Gruenberg at the
National Association of Affordable Housing Lenders
Progress More Families in the Banking System

Acting Chairman Gruenberg noted FDIC’s latest national survey finds significant progress has been made to include more families in the U.S. banking systems. Those findings include:

  • Despite unprecedented economic challenges posed by the COVID-19 pandemic, nearly 96 percent of U.S. households were banked in 2021.
  • The percentage of U.S. households that are unbanked fell to 4.5 percent in 2021, the lowest national unbanked rate since the FDIC survey began in 2009.
  • While the racial/ethnic gap among unbanked households has improved, Black and Hispanic households are still significantly more likely to lack a bank or credit union account.

Full Remarks:
https://www.fdic.gov/news/speeches/2022/spnov0222.html


[headlines
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##### Press Release ############################

American Lease Insurance sold
to American Bankers Insurance Group

Sunderland, Massachusetts – American Lease Insurance Agency Corporation (ALI) has been sold to American Bankers Insurance Group, Inc. (ABIG), a $10 billion global insurance provider and publicly traded Fortune 500 company.

ABIG will continue to operate ALI and the successful automated ALI ProgramSM of equipment and commercial vehicle insurance and tracking with no planned changes in policies or personnel. ALI President Steve Dinkelaker is assisting ABIG with the transition of ALI and its IT services partner, Integrity Information Solutions, Inc., as a consultant through the end of December 2022, after which time he will retire.


According to ALI President Steve Dinkelaker, “I’m pleased to have come to an agreement with American Bankers Insurance Group. As one of our underwriting partners, they have witnessed firsthand our commitment to providing exceptional service to our clients. I’m confident that the ALI team will continue the success of the ALI Program.”

Dinkelaker, a licensed insurance producer credited with the commercial development of lease insurance, founded American Lease Insurance Agency Corporation in 2000. With a dedicated and highly trained staff, ALI has delivered comprehensive portfolio protection to a growing list of major equipment leasing and finance companies throughout North America for more than 22 years. ALI is headquartered in Sunderland, Massachusetts, and is an active member of ELFA, NEFA, and AACFB. For more information, go to www.aliac.net

American Bankers Insurance Group does business as Assurant, Inc. (NYSE: AIZ). Assurant is a leading global business services company that supports, protects and connects major consumer purchases. Headquartered in New York with a presence in 21 countries, Assurant supports the advancement of the connected world by partnering with the world’s leading brands to develop innovative solutions and to deliver an enhanced customer experience through mobile device solutions, extended service contracts, vehicle protection services, renters’ insurance, lender-placed insurance products and other specialty products. For more information, go to www.assurant.com

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

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

Notarize and Northteq Launch
Online Notarization Integration

Northteq, Inc., a provider of Salesforce origination solutions, announced that Notarize, a leader in remote online notarization (RON) technology, has joined its growing list of FinTech partners. The integration of Notarize within Northteq’s Aurora product suite will allow lenders to stay competitive and provide a simple way to help borrowers get their documents notarized securely from any device.

Northteq and Notarize are partnering to support customer needs and the growing demand for remote online notarization. This Salesforce.com integration with Notarize enables RON for document signing and verification purposes, which saves lenders time and money, while also creating a seamless notarization experience for their customers.

Borrowers can sign documents on their mobile or desktop device anytime, anywhere, without having to endure the time-consuming and uncertain process of traveling to and tracking down an in-person notary. Notarize is also an environmentally friendly integration that helps lenders save money on shipping and printing costs, as well as emissions from driving to-and-from in-person signings.


Kristian Dolan, CLFP, Chief Executive Officer and founder of Northteq, said, “The addition of Notarize for Salesforce to the Aurora suite of products is another step forward in fulfilling Northteq’s commitment to providing lenders with the most innovative and thoughtfully designed loan origination solutions available today.

 “Our Notarize integration will allow lenders to stay competitive and efficient while also creating a secure customer experience. We’re able to provide a platform to not only sign documents online but have them notarized remotely, eliminating a huge point of friction for customers.”

Lenders are under constant pressure to keep up with rapidly evolving technology to deliver on their customers’ demands and desires, while also ensuring they remain compliant in a complex and vigilant regulatory environment. Remote notarization was invented and started to gain adoption in 2015, and it has quickly become one of the most popular ways to get official documents notarized. 43 states have passed laws allowing their state’s notaries to conduct remote online notarization, and Notaries’ platform makes navigating and complying with state regulations simple.

AP Equipment Financing recently made the switch to use Remote Online Notarization (RON) for Power of Attorney and Bill of Sale documents during their customers’ transaction journey. “Remote online notaries add value to our customers by providing them with a convenient, easy-to-use, and streamlined process for getting their documents notarized without the hassle of having to leave their business or home,” said AP’s VP of Front-End Operations Austin Law, CLFP. “RON aligns with AP’s objective 'The Power of Personal' by utilizing the most effective technologies the market has to offer to expedite procedures and truly focus on our customers, all while lowering AP's carbon footprint.”

“Notarize creates a simpler, smarter and safer experience for borrowers while closing that crucial ‘last mile’ of a transaction, allowing lenders to fund transactions faster,” said Notarize CEO Pat Kinsel. “With this new partnership, Northteq and Notarize continue their commitment to provide equipment finance companies with innovative solutions that redefine the lending experience.”

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

[headlines]
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Press Releases Received After Press Deadline

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

ELFF Projects 1.8% Growth
in US Economy in 2022

The Equipment Leasing & Finance Foundation has released the Q4 2022 Equipment Leasing & Finance Industry Snapshot, an indispensable information resource for industry participants. Designed for use in executive briefings and presentations, the presentation slide deck summarizes the current conditions and projections for the U.S. economy and equipment finance industry with clear, easy-to-digest charts and short narratives of key trends.

Among the range of details in the Q4 release:

• Overall, the Foundation projects the U.S. economy will grow by 1.8% in 2022, after contracting in the first half of the year.
o The economy contracted mainly due to weaker inventory investment.

• The labor market is the primary economic tailwind for growth this year:
o Unemployment is at a multi-decade low, and most sectors have regained the jobs lost early in the pandemic.
o However, with unemployment so low, employers are lifting wages to attract workers, which contributes to higher inflation.

• Economic headwinds include global economic turmoil and a sharply slowing housing sector:
o Interest rates are wreaking havoc on financial markets and commodity importers.
o Inflation is not expected to vanish in the coming months.
o Rising mortgage rates are crushing home prices.

• Additional factors to watch include:
o Consumer reaction to interest rate hikes
o Energy production and prices

• Equipment and software investment is expected to grow 5.9% in 2022 largely due to rapid growth in Q1.
o Rapidly-rising interest rates and a slowing economy are expected to weigh on overall E&S investment for the rest of the year, though certain end-use markets will fare better than others.

• New business volume growth reported in ELFA’s Monthly Leasing and Finance Index was up 4% year over year in August. Robust investment growth early in the year supported NBV growth, though growth may slow later this year as inflation and interest rate hikes impact the economy.

Leasing and Finance Index was up 4% year over year in August. Robust investment growth early in the year supported NBV growth, though growth may slow later this year as inflation and interest rate hikes impact the economy.

Prepared by Keybridge Research and updated quarterly, the snapshot is available for free download https://www.leasefoundation.org/industry-resources/industry-snapshot/ 

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

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Watch at Home
by Fernando Croce, Leasing News Movie Reviewer

A kinetic political drama (“Athena”), a breezy whodunit (“Confess, Fletch”), a robust Western (“Dead for a Dollar”), an absorbing thriller (“God’s Country”) and a goofy comedy (“The Munsters”) make for a versatile batch of new releases.

Athena (Netflix): The son of veteran filmmaker Costa-Gavras, Romain Gavras tries to channel his father’s kinetic style and political concerns in this visceral drama set in thevolatile outskirts of Paris. It begins already in the midst of fire and fury, as high tensions explode in chaos in the wake of the police killing of a Muslim teenager. The dead boy’s brother, Karim (Sami Slimane), launches an attack on the cops and reporters gathered in their neighborhood, a crowd that includes Karim’s older brother Abdel (Dali Benssala), a military hero. There’s also athird brother, Moktar (Ouassini Embarek), a drug-dealer with his own interests to protect. Transplanting classical Greek tragedy to a modern setting, Gavras serves up an urgent, angry vision of world and family collapsing in tandem. With subtitles.

Confess, Fletch (Vudu, Amazon Prime): A box-office hit for Chevy Chase in the 1980s, the Fletch character—a journalist-investigator with a yen for disguises and pratfalls—returns to the big screen in this enjoyable whodunit, proving to be a nice fit for Jon Hamm’s comic touch. Hired to recover an Italian millionaire’s stolen paintings, Fletch finds himself as the main suspect in a murder investigation. Tracking down the real killer in order to stay out of jail, he crosses paths with a full gallery of oddballs, from an eccentric art dealer (Kyle MacLachlan) to a pooch-obsessed neighbor (Annie Mumolo) to a nobleman’s amorous wife (Marcia Gay Harden). Director Greg Mottola (“Adventureland”) maintains a light tone throughout, resulting inbreezy, smartentertainment that favors charm over slapstick.

Dead for a Dollar (Vudu, Amazon Prime): Few living filmmakers can still make real Westerns, and one of them is veteran action specialist Walter Hill (“The Driver”). Hill is in robust, fine form in this sturdy tale of taciturn honor among violent men, set near the Mexican border in 1897. Christoph Waltz plays Max Borlund, a mysterious bounty hunter hired by a businessman known as Mr. Kidd (Hamish Linklater) to track down his wife, Rachel (Rachel Brosnahan), who he says was kidnapped by a buffalo soldier (Brandon Scott). The simple journey grows complex as characters reveal their motivations, and Joe Cribbens (Willem Dafoe), a gambler with a grudge against Borlund, catches up with them. With a modesty that belies its moral rigor, Hill’s film is a bracingly old-fashioned rouser.

God’s Country (Amazon Prime): Thandie Newton shines in this absorbing morality play, which unfolds as a thriller while moving its characters ona grid of ambiguity. Newton plays Sandra, a public speaking lecturer living in snow-bound, rural Montana after the death of her mother. One day, she finds a truck parked in her property, an event that leads to a clash with its owners—local hunters Samuel (Jefferson White) and Nathan (Joris Jarsky). Tensions rise between the two sides, a matter not helped by the sheriff or by the lingering grief and job concerns plaguing Sandra. The pieces are in place for a revenge action story, though the film, directed by Julian Higgins, prefers to study the complicated lives at stake, strikingly anchored by Newton’s simmering intensity.

The Munsters (Netflix): A name synonymous with gritty and often grotesque horror, Rob Zombie (“The Devil’s Rejects”) shows an unexpectedly sweet side in this cinematic version of the beloved TV series. Chronicling the ups and downs of a batch of friendly ghouls living in suburbia, the story is anchored by the romance between vampire Lily (Sheri Moon Zombie) and hulking, resurrected Herman (Jeff Daniel Phillips). Her father, The Count (Daniel Roebuck), would prefer she date a richer fellow, while his ex-wife Zoya (Catherine Schell) schemes to take away the family mansion. But the narrative takes a backseat to the interaction between characters, bathed in a Day-Glo light that speaks volumes for the director’s love of pop culture’s more garish corners. The results are deeply personal, and lovably goofy.

Fernando Croce is a nationally recognized film reviewer and has been contributing to Leasing News since the summer of 2008. His reviews appear each Friday.

Fernando's Reviews: https://leasingnews.org/Conscious-Top%20Stories/Fer-Review.htm

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Husky/Alaskan Malamute Mix
Minneapolis, Minnesota  Adopt-a-Dog


Nigel

Male
Thre Years Old
Neutered
Vaccinations Up-to-date
House Trained
Good in home with Children
Prefers a Home without Cats
Adoption Fee: $430

Meet Nigel

Nigel is a one-of-a-kind 3-year-old pup who loves attention, going for walks, and spending time snuggling with his humans.

Initially, he wasn’t so sure about his new accommodations. Shortly after arriving at his foster home, he expressed his unsureness by trying to scale the 6-foot fence. However, it was very soon after that he realized how amazing it is to be loved by humans and is very comfortable snuggling up on the couch and no longer tries to leave the yard when outside.

His outdoor activities now include bringing his toys from inside to the outside with him, and tracking anything that is furry… rabbits, squirrels, mice. Because of his intense interest in small furry critters, we are recommending he not go to a home with cats.

This 82-pound gentle giant howls along with every siren he hears and will let out a few baritone barks if he sees something out the window. Because of this and the high priority to have a fenced yard available for him to run around in, an apartment is probably not the best match for him.

If you are ready to welcome a snuggly and sweet pup into your home, look no further and apply today for Nigel!

If you are interested in this dog, don't waste time with an inquiry! Fill out an application here to get the ball rolling...https://pethavenmn.org/adopt/adoptable-dogs/dog-adoption-application/

Adoption fee includes  heartworm/Lyme test, all age-appropriate vaccinations (distemper, rabies, & Bordetella), heartworm and flea/tick preventatives, and microchip implant including registration. Adoption fees INCLUDE a mandatory sales tax of 7.525%

Due to post-adoption services provided, we prefer to adopt within a 90-mile radius of Minneapolis; however, we will consider up to 250 miles if the adopter is willing to drive to cities as needed.

PetHaven
P.O. Box 19105
Minneapolis, Minnesota 55419
952-831-3825
https://pethavenmn.org/adopt/adoptable-dogs

[headlines]
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News Briefs---

How the Amazon Got into Providing Merchant Cash Advance
    Advance Deal Came to Be
https://debanked.com/2022/11/how-the-amazon-parafin-merchant-cash-advance-deal-came-to-be/

Credit unions originate record $62.1 Billion
    vehicle financing in Q3 via Origence
https://www.autoremarketing.com/autofinjournal/credit-unions-originate-record-62-point-1-billion-q3-origence

CVS, Walgreens announce opioid settlements
    totaling $10 Billion
https://apnews.com/article/health-business-lawsuits-rhode-island-epidemics-50f3aa9cbe82b775cd3d7520c286ef25

Apple now worth more than Alphabet,
    Amazon and Meta combined
https://seekingalpha.com/news/3900618-apple-now-worth-more-than-alphabet-amazon-and-meta-combined

Judge appoints independent monitor to oversee
    Trump Organization financial filings
https://www.nbcnews.com/politics/donald-trump/judge-appoints-independent-monitor-oversee-trump-organization-financia-rcna55492


 

[headlines]
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Starbucks earnings beat expectations as
     consumers spend more in its U.S. stores
https://www.cnbc.com/2022/11/03/starbucks-sbux-q4-2022-earnings.html


[headlines]

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Sports Briefs---

Ravens top wide receiver Rashod Bateman
     to have season-ending foot surgery
https://www.theredzone.org/Blog-Description/EntryId/26053/Ravens-top-wide-receiver-Rashod-Bateman-to-have-season-ending-foot-surgery

Brandon Aiyuk: Kyle Shanahan told me
I’ve never been coached properly
https://www.ninersnation.com/2022/11/2/23435911/49ers-news-brandon-aiyuk-kyle-shanahan-told-me-ive-never-been-coached-properly

Daniel Snyder is trapped — and now
Washington fans can dare to dream
https://www.washingtonpost.com/sports/2022/11/03/dan-snyder-selling-commanders-hope/

Ime Udoka roundtable: Why would Nets
hire the suspended Celtics coach?
https://theathletic.com/3753794/2022/11/02/celtics-ime-udoka-nets/

Jimmy Johnson details split with Jerry Jones
in book, and some Cowboys fans won’t like it
https://www.dallasnews.com/sports/cowboys/2022/11/03/jimmy-johnson-details-split-with-jerry-jones-in-book-and-some-cowboys-fans-wont-like-it/


[headlines]
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California Nuts Briefs---

Thousands of UC researchers, teaching assistants
     authorize strike across 10 campuses
https://www.sacbee.com/news/california/article268163922.html

‘Everyone has to do better.’ Gov. Newsom holds
$1 Billion state homelessness funding hostage
https://www.mercurynews.com/2022/11/03/everyone-has-to-do-better-newsom-holds-state-homelessness-funding-hostage/


[headlines]

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"Gimme that wine"

Healdsburg Winery Named Among Top 50 in the World
https://www.sonomamag.com/healdsburg-vineyard-named-among-top-50-in-the-world/

60 Years of Ridge Monte Bello
https://cluboenologique.com/report/monte-bello-ridge-vineyards-wine-report/

Registration for the Eastern Winery Exposition Opens
https://www.winebusiness.com/news/article/264146

The Most Beautiful Wineries in Fredericksburg 2022
https://blog.wineroutes.com/most-beautiful-wineries-in-fredericksburg/

 

AMOS Electric Autonomous Tractor Tour Visits Lodi
https://www.winebusiness.com/news/article/264083


“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/

US/International Wine Events
http://www.localwineevents.com/

[headlines]
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This Day in History

     1646 - The Massachusetts Bay Colony passed a law making it a capital offense to deny that the Bible was the Word of God. Any person convicted of the offense was liable to the death penalty.
    1791 - General Arthur St. Clair, governor of Northwest Territory, was badly defeated by a large Indian army.  Miami Indian Chief Little Turtle led the powerful force of Miami, Wyandot, Iroquois, Shawnee, Delaware, Ojibwa and Potawatomi that inflicted the greatest defeat ever suffered by the U.S. Army at the hands of North American Indians. Some 623 regulars were killed and 258 wounded on the banks of the Wabash River near present day Fort Wayne, Indiana. The staggering defeat moved Congress to authorize a larger army in 1792.
    1798 - Congress agreed to pay a yearly tribute to Tripoli, considering it the only way to protect U.S. shipping. The US has no appreciable Navy at this time. This is the most expedient and assured way to protect American shipping in the Mediterranean. Thus, the part of the Marine Corps hymn, “…to the shores of Tripoli…”
    1856 - James Buchanan was elected President. Stephen A. Douglas coveted the Democratic nomination in 1856 but his reputation had been badly tarnished by ongoing violence in Kansas. In his place, the Democrats turned to James Buchanan, who had been the minister to Britain from 1853 to 1856 and was not linked to the Kansas issue. The Republicans ran their first presidential campaign in 1856, choosing noted Western explorer John C. Frémont, “The Pathfinder." Frémont had no political record (regarded as a plus), but held abolitionist views (a negative in the eyes of many moderates). The Republicans ran a campaign calling for repeal of the hated Kansas-Nebraska Act, opposition to the extension of slavery into the territories and support for internal improvement projects. They also took every opportunity to blame the Democrats for the horrors of “Bleeding Kansas." Buchanan emerged the victor, but failed to gain a majority of the popular vote. In fact, a shift of a small number of votes in several states would have tipped the electoral tally to the Republicans. Mirroring the sectional feelings of the day, the Democrats were strong in the South, the Republicans in the North. The election in 1856 brought a weak President to leadership in a badly divided nation.
    1873 - Dentist John Beers of San Francisco patents the gold crown
    1898 - The first church to bear the Pentecostal Holiness name was organized at Goldsboro, NC, under the leadership of Methodist evangelist Ambrose Blackman Crumpler, 35.
    1864 - Battle of Johnsonville, Tennessee. In the summer of 1864, Sherman captured Atlanta, and by November, he was planning his march across Georgia. Meanwhile, the defeated Confederates hoped that destroying his line would draw Sherman out of the Deep South. Nobody was better at raiding than Confederate Gen. Nathan Bedford Forrest, but Union pursuit had kept him in Mississippi during the Atlanta campaign. Johnsonville was an important transfer point from boats on the Tennessee River to a rail line that connected with Nashville to the east. When Sherman sent part of his army back to Nashville to protect his supply lines, Forrest hoped to apply pressure to that force. Forrest began moving part of his force to Johnsonville on October 16, but most of his men were not in place until early November. Incredibly, the Union forces, which numbered about 2,000, seem to have been completely unaware of the Confederates just across the river. Forrest brought up artillery and began a barrage at 2 p.m. on November 5. The attack was devastating. One observer noted, "The wharf for nearly one mile up and down the river presented one solid sheet of flame." More than $6 million worth of supplies were destroyed, along with four gunboats, 14 transports, and 20 barges. General George Thomas, commander of the Union force at Nashville, had to divert troops to protect Johnsonville. After the raid, Forrest's reputation grew, but the raid did not deter Sherman from embarking on the March to the Sea, his devastating expedition across Georgia.
    1879 - Birthday of Will Rogers (d. 1935) at Oologah, Indian Territory (now Oklahoma).  American writer, actor, humorist and grassroots philosopher, he was killed in an airplane crash with aviator Wiley Post near Point Barrow, AK, August 15, 1935. “My forefathers,” he said, “didn't come over on the Mayflower, but they met the boat.”
    1879 - African-American T. Elkins patents the refrigerating apparatus.
    1884 - Grover Cleveland was elected President of the United States and Thomas A. Hendricks was elected Vice-President. The electoral vote was: Cleveland, 219; James G. Blaine, Republican of Maine, 182. The popular vote was: Cleveland 4,911,017; Blaine 4,848,334. In congressional elections, the Republicans gained five seats in the Senate to gain a 43-34 majority. In the House, the Republicans gained 22 seats, but the Democrats held a 183-140 majority. Robert M. La Follette, Republican of Wisconsin, was elected to his first term in the House of Representatives. A celebrated presidential campaign slogan aimed at Grover Cleveland was, “Ma, Ma, where's my Pa?”---a reference to Cleveland's admission that he fathered a child out of wedlock. To this query the Democrats would reply, “Gone to the White House, ha, ha, ha.”
    1889 - After a formal meeting of representatives from all National League chapters, the Brotherhood issued a "manifesto" in which it claimed that "players have been bought, sold and exchanged as though they were sheep instead of American citizens." This led to a declaration of war between the Brotherhood and Major League officials which soon exploded into the formation of the Players League.  The Brotherhood of Professional Baseball Players represented the first serious effort to organize a labor union consisting of baseball players. It was launched in 1885 with the aim of raising player salaries in recognition of the growing popularity of professional baseball and the growth in revenues generated by the game. It also aimed to combat the reserve clause which restricted player movement and helped to keep salaries down. The organization gained official recognition when NL owners first met with the Brotherhood's representatives in 1887. However, relations between the two soon became difficult as owners were unwilling to make significant concessions.  The impasse led to the creation of the Players League in 1890, which included many of the most famous stars of the time and which was owned and operated by the players themselves.  
    1897 - The first Library of Congress building opened its doors to the public. Previously, the Library had been housed in the Congressional Reading Room in the U.S. Capitol.
http://memory.loc.gov/ammem/today/nov01.html
    1906 - Birthday of Robert Bernard “Bob” Considine (d. 1975), sportswriter and author, at Washington, DC.  Considine parlayed some early success as a tennis player and a job as a federal government clerk into a career as a sportswriter. He covered baseball starting in 1933 and soon became a columnist for the Hearst newspapers. He branched out into politics and national affairs and served as a war correspondent during World War II. He wrote or coauthored more than 25 books, including the screenplay for “Pride of the Yankees,” the film biography of Lou Gehrig. 
    1916 - Birthday of Walter Leland Cronkite, Jr., (d. 2009), St. Joseph, MO.  Journalist, war correspondent, former anchor for “CBS Evening News.”  During the heyday of CBS News in the 1960s and 1970s, he was often cited as "the most trusted man in America" after being so named in an opinion poll.  In mid-February 1968, Cronkite journeyed to Vietnam to cover the aftermath of the Tet Offensive.  Upon return, Cronkite wrote an editorial report based on that trip. On February 27, 1968, Cronkite closed that editorial report: “We have been too often disappointed by the optimism of the American leaders, both in Vietnam and Washington, to have faith any longer in the silver linings they find in the darkest clouds…”  Following Cronkite's editorial report, President Lyndon Johnson is claimed by some to have said, "If I've lost Cronkite, I've lost Middle America.”
    1918 - Birthday of Art Carney (d. 2003), Mount Vernon, NY.
An actor, he won an Oscar for “Harry and Tonto” and six Emmys for “The Honeymooners” as Ralph Kramden’s (Jackie Gleason) sidekick, Ed Norton.       
    1919 - Birthday of bass player Joe Benjamin (d. 1974), Atlantic, City, NJ
http://www.jazzvalley.com/musician/joe.benjamin
http://shopping.yahoo.com/shop?d=product&id=1927041585
    1920 - Women voted nationally for the first time, enabled by the 19th Amendment which prohibits any United States citizen from being denied the right to vote on the basis of sex.
    1922 - Birthday of pianist Ralph Sutton (d. 2001), Hamburg, MO.
http://www.artistdirect.com/music/artist/bio/0,,499089,00
.html?artist=Ralph+Sutton

http://www.riverwalk.org/profiles/sutton.htm
http://www.jazzcanadiana.on.ca/_SUTTON.htm
    1924 - Calvin Coolidge was elected to the top office of the United States. Coolidge was already in the office as President having to complete Warren G. Harding's term (Harding died in office). The electoral vote was Coolidge 382; John W. Davis, Democratic candidate, 13. The popular vote was Coolidge 15,725,016; Davis 8,385,503, La Follette, 4,822,856. The huge Republican victory in the presidential election was anticipated.  The Democrats had torn themselves apart in a struggle for the nomination. Gov. Alfred E. Smith of New York represented the East and the big cities, and William G. McAdoo of Tennessee, the southern and western parts of the country. The eventual nominee was John W. Davis, an able man but almost unknown to the voters. The Republicans, on the other hand, could point with pride to Calvin Coolidge and a record of prosperity. The Democrats tried to make much of the scandals of the Harding administration but failed to stir the electorate. In fact, despite a strong third party in the field, only about half of those eligible to vote did so.
    1924 - The first woman governor was Nellie Taylor Ross, Wyoming, elected to fill the unexpired term of her late husband, William Bradley Ross. From 1933 to 1935, she served as Director of the Mint, the first woman to do so.
    1926 - Birthday of percussionist Carlos “Patato” Valdez (d. 2007), Havana, Cuba
http://www.jazzgalerie.de/galerieseiten/VC1.HTM
    1927 - A great Vermont flood occurred. Tropical rains deluged the Green Mountain area of Vermont causing the worst flood in the history of the state. Torrential rains, up to 15 inches in the higher elevations, sent streams on a rampage devastating the Winooski Valley. Flooding claimed 200 lives and caused $40 million damage. The town of Vernon reported 84 deaths. Flooding left up to eight to ten feet of water in downtown Montpelier. (2nd-4th)
    1928 - Arnold Rothstein, New York's most notorious gambler, is shot and killed during a poker game at the Park Central Hotel in Manhattan. After finding Rothstein bleeding profusely at the service entrance of the hotel, police followed his trail of blood back to a suite where a group of men were playing cards. Reportedly, Rothstein had nothing good in his final hand. In the 1920's, Rothstein began purchasing nightclubs, racehorses, and brothels. He had such a formidable presence in the criminal underworld that he was reportedly once paid half a million dollars to mediate a gang war. As Rothstein's fortune grew to an estimated $50 million, he became a high-level loan shark, liberally padding the pockets of police and judges to evade the law. He is fabled to have carried around $200,000 in pocket money at all times.  Rothstein's luck finally ran out in 1928 when he encountered an unprecedented losing streak. At a poker game in September with "Hump" McManus, "Nigger Nate" Raymond, and "Titanic" Thompson, Rothstein lost a cool $320,000 and then refused to pay on the grounds that the game had been rigged. Two months later, McManus invited Rothstein to play what would be his final poker game. Police were never able to identify Rothstein's murderer. Asked who had shot him before dying, Rothstein reportedly put his finger to his lips and kept the gangsters' code of silence.  Rothstein was widely reputed to have organized corruption in professional athletics, including conspiring to fix the 1919 World Series.
    1928 - Birthday of drummer Larry Bunker (d. 2005), Long Beach, CA.
http://www.jazzvalley.com/musician/larry.bunker
http://shopping.yahoo.com/shop?d=product&id=1927046069
&clink=dmmu.artist&a=b

    1935 - The so-called Yankee Hurricane hit Miami with winds of 95 mph. It was unusual in that it moved into the area from the northeast
    1936 - Future U.S. Senate Chaplain Rev. Peter Marshall, 34, married Catherine Wood, 22. Following Peter's premature death at age 46, Catherine immortalized his name through her 1951 best-selling biography, "A Man Called Peter."
    1939 - The Packard Motor Car Company, Detroit, publicly exhibited the first air-conditioned car at the 40th Automobile Show, Chicago, IL. Air in the car was cooled to the temperature desired, dehumidified, filtered, and circulated. The refrigerating coils were located behind the rear seat in an air duct, with heating coils into another compartment of the same duct. The capacity of the unit was equivalent to 1.5 tons of ice in 24 hours when the car was driven at 60 miles per hour, or 2 tons at 80 miles per hour. The invention was first offered to the Ford Motor Company, invented by the Greenberg Brothers. It was a sweltering August day when the three Greenberg Brothers entered the posh Dearborn, Michigan offices of the notoriously anti- Semitic carmaker, Henry Ford. "Mr. Ford," announced Hyman Greenberg, the eldest of the three, "we have a remarkable invention that will revolutionize the automobile industry."
Ford looked skeptical, but their threats to offer it to the competition kept his interest piqued. Hi Greenberg continued, "We would like to demonstrate it to you in person." After a little cajoling, they brought Mr. Ford outside and asked him to enter a black car that was parked in front of the building. Norman Greenberg, the middle brother, opened the door of the car. "Please step inside, Mr. Ford." "What!" shouted the tycoon, "are you crazy? It must be one hundred degrees in that car!" "It is," smiled the youngest brother, Max, "but sit down, Mr. Ford, and push the white button." Intrigued, Ford pushed the button. All of a sudden, a whoosh of freezing air started blowing from vents all around the car, and within seconds the automobile was not only comfortable, it was quite cool! "This is amazing!" exclaimed Ford. "How much do you want for the patent?" Norman spoke up. "The price is one million dollars." Then he paused, "And there is something else. We want the name 'Greenberg Brothers Air Conditioning' to be stamped right next to the Ford logo." "Money is no problem," retorted Ford, "but no way will I have a Jewish name next to my logo on my cars!" They haggled back and forth for a while and finally they settled. One and one half million dollars, and the name Greenberg would be left off. However, the first names of the Greenberg brothers would be forever emblazoned upon the console of every Ford air conditioning system. And that is why today, whenever you enter a Ford vehicle you will see those three names clearly defined on the air-conditioning control panel: Max-Hi-Norm
    1946 - Birthday of Laura Bush, born Laura Lane Welch, Midland, TX.  Former First Lady, wife of President George W. Bush, she attended Southern Methodist University in Dallas, Texas, where she earned a Bachelor of Science degree in education in 1968. After college, she worked as a teacher at Longfellow Elementary School in the Dallas Independent School District until 1969 and then moved to Houston, Texas, where she taught at John F. Kennedy Elementary School in the Houston Independent School District until 1972. Later, she enrolled at the University of Texas at Austin and earned a Master of Library Science degree in 1973. Afterward, she worked at the Houston Public Library, Kashmere Gardens Branch until she moved back to Austin in 1974.  She worked as a librarian at Dawson Elementary School until 1977, when she met George Walker Bush at the home of mutual friends. They married in November, 1977 and made their home in Midland. In 1981, George and Laura Bush became the proud parents of twin girls, who are named Barbara and Jenna, after their grandmothers.
    1946 - UNESCO, the United Nations Educational, Scientific and Cultural Organization formed.
    1949 - “One Man's Family” premiered on TV and is the longest-running uninterrupted dramatic serial in the history of American radio. This series occurred at the same time as the popular radio drama of the same name.  In the first season, the cast included Bert Lytell as Henry Barbour, a wealthy San Francisco stockbroker and Majorie Gateson as his wife, Fanny. Also included were Eva Maria Saint and Tony Randall. The second time the show came to TV it was a 15-minute serial and had an entirely new cast.  It debuted as a radio series on April 29, 1932 in Los Angeles, Seattle and San Francisco, moving to the full West Coast NBC network the following month and ended in 1959.
    1950 - *POYNTER, JAMES I., Medal of Honor
Rank and organization: Sergeant, U.S. Marine Corps Reserve, Company A, 1st Battalion, 7th Marines, 1st Marine Division (Rein.). Place and date: Near Sudong, Korea, 4 November 1950. Entered service at: Downey, Calif. Born: 1 December 1916, Bloomington, Ill. Citation: For conspicuous gallantry and intrepidity at the risk of his life above and beyond the call of duty while serving as a squad leader in a rifle platoon of Company A, in action against enemy aggressor forces during the defense of Hill 532, south of Sudong, Korea. When a vastly outnumbering, well-concealed hostile force launched a sudden, vicious counterattack against his platoon's hasty defensive position, Sgt. Poynter displayed superb skill and courage in leading his squad and directing its fire against the onrushing enemy. With his ranks critically depleted by casualties and being critically wounded himself, as the onslaught gained momentum and the hostile force surrounded his position, he seized his bayonet and engaged in bitter hand-to-hand combat as the breakthrough continued. Observing 3 machineguns closing in at a distance of 25 yards, he dashed from his position and, grasping hand grenades from fallen marines as he ran, charged the emplacements in rapid succession, killing the crews of 2 and putting the other out of action before he fell, mortally wounded. By his self-sacrificing and valiant conduct, Sgt. Poynter inspired the remaining members of his squad to heroic endeavor in bearing down upon and repelling the disorganized enemy, thereby enabling the platoon to move out of the trap to a more favorable tactical position. His indomitable fighting spirit, fortitude, and great personal valor maintained in the face of overwhelming odds sustain and enhance the finest traditions of the U.S. Naval Service. He gallantly gave his life for his country.
    1951 - Top Hits
“Because of You” - Tony Bennett
“I Get Ideas” - Tony Martin
“Down Yonder” - Del Wood
“Slow Poke” - Pee Wee King
    1952 - America said, “I Like Ike.” The Dwight D. Eisenhower/Richard M. Nixon ticket won a sweeping (55%-44%) victory over Democrat Adlai E. Stevenson and running mate John J. Sparkman. Eisenhower became the 34th President of the U.S. The electoral vote was Eisenhower, 442-89. The popular vote was Eisenhower, 36,938,285; Stevenson 27,312,217; Vincent Hallinan, Progressive, 140,138. The Republicans gained one Senate seat for a 48-47 majority with one seat going to a minor party. In the House, they gained 22 seats for a 221-211 majority, one seating to a minority party. On Election Day, 1952, UNIVAC, the world's first commercially available electronic computer, predicted a landslide for Eisenhower. In a test televised by CBS, the computer used early returns from key states to predict the election, based on voting patterns from 1944 and 1948. However, the computer's predictions were radically different from polls taken by Gallup and Roper, which predicted a close race, and the computer's programmers made adjustments so that the computer's first broadcast prediction corresponded more closely to the polls. Only an hour after the polls had closed with less than ten percent of the votes had been counted, the CBS TV Network, which employed the computer, was able to predict Eisenhower's landslide victory, trumping human experts who had predicted a close race. Ironically, the computer's original prediction of 438 electoral votes for Eisenhower and 93 for Stevenson was only off by four votes. The nation watched with interest as a Republican administration took over the reins of government for the first time in 24 years. The most explosive internal problem was Joseph R. McCarthy. Republican of Wisconsin, charging Soviet espionage activities in the U.S. The administration’s most outstanding success was a peace agreement in Korea. Pres. Eisenhower announced the agreement to a relieved country, but warned, “We have won armistice on a single battleground, but not peace in the world.”
    1953 - Hulan Jack elected first Black Borough President of Manhattan, NYC.
    1953 - “How to Marry a Millionaire” premiered, starring Marilyn Monroe, Betty Grable and Lauren Bacall.  One of the most popular films with the most beautiful women, it is about three women whose goal in life was to marry a rich man. The ending: love triumphs over all, and to the surprise of all, the richest man of the group.
    1954 - Florence Henderson, who was all of 20 years old, joined with Ezio Pinza and Walter Slezak in "Fanny." The show lit up Broadway 888 times.
    1954 - Philadelphia A's move to Kansas City.  In 1901, the Western League had been renamed the American League and declared itself the second Major League.  New franchises in the east were created and some franchises were eliminated in the West.  Philadelphia had a new franchise created to compete with the National League’s Phillies. Former catcher Connie Mack was recruited to manage the club. Mack, in turn, persuaded Phillies minority owner Ben Shibe and others to invest in the team called the Philadelphia Athletics. Mack himself bought a 25 percent interest.  In the early years, the A’s established themselves as one of the dominant teams in the new league, winning the A.L. pennant six times (1902, 1905, 1910, 1911, 1913 and 1914), and winning the World Series in 1910, 1911 and 1913.  They won over 100 games in 1910 and 1911, and 99 games in 1914.  In 1909, the A's moved into the Majors' first concrete-and-steel ballpark, named Shibe Park.  Lean years followed but a ‘second dynasty’ emerged in 1927-33 when, in 1927 and 1928, the Athletics finished second to the Yankees, then won pennants in 1929, 1930 and 1931, winning the World Series in 1929 and 1930.  In each of the three years, the A's won over 100 games.  The Depression took its toll and many of the ‘dynasty’ players were sold off to reduce expense in an era of low attendance.  This continued to decimate A’s teams and finally forced the sale to Arnold Johnson, who moved the team to KC.  They have been the Oakland A’s since new owner Charlie Finley moved them there in 1968.
    1956 - The top six songs on the pop and R&B charts are identical: Elvis Presley's "Jailhouse Rock," the Everly Brothers' "Wake Up Little Susie," Sam Cooke's "You Send Me," the Rays' "Silhouettes," Rickie Nelson's "Be-Bop Baby" and Jimmie Rodgers' "Honeycomb."
    1958 - African-American Shirley Verrett, world renowned opera singer, makes her debut in New York City.
    1958 - No. 1 Billboard Pop Hit:  “It's Only Make Believe,'' Conway Twitty.
    1959 – Cubs SS Ernie Banks won his second consecutive MVP award on the strength of his 45 home runs and 143 RBI.
    1959 - Top Hits
“Mack the Knife” - Bobby Darin
“Mr. Blue” - The Fleetwoods
“Put Your Head on My Shoulder” - Paul Anka
“The Three Bells” - The Browns
    1959 - After 17-year-old gang member Salvador Agron fatally stabbed two teens in New York, radio station WCBS banned the Bobby Darin hit "Mack the Knife."
    1961 - Bob Dylan makes his debut at the Carnegie Chapter Hall in New York City. Most of the fifty people in attendance are his friends who paid two bucks to get in. Dylan was paid twenty dollars for the night.
    1963 - The Beatles appear at the Royal Command Performances at the Prince of Wales Theatre in London. In attendance are the Queen Mother, Princess Margaret and Lord Snowden. It was here that John Lennon made his now famous announcement: "For our last number, I'd like to ask for your help. The people in the cheaper seats clap your hands and the rest of you, if you'd just rattle your jewelry. We'd like to sing a song called Twist and Shout."
    1967 - Smokey Robinson and the Miracles' "I Second That Emotion" is released.
    1967 - Top Hits
“To Sir with Love” - Lulu
“Soul Man” - Sam & Dave
“It Must Be Him” - Vikki Carr
“You Mean the World to Me” - David Houston
    1968 - Shirley Chisholm became the first black woman elected to the House of Representatives.
http://www.africanamericans.com/ShirleyChisholm.htm
http://nh.essortment.com/shirleychisholm_ruol.htm
http://scriptorium.lib.duke.edu/wlm/equal/
    1970 - King Peter II of Yugoslavia became the first European king to be buried in the United Sates. His Serbian name was Petar Karadjordjevic. He became King on October 11, 1934. He left Yugoslavia in 1941 after it was invaded by Germany and headed the exiled Yugoslav government during World War II. After 1945, when Yugoslavia became a republic, he lived in New York City.
    1972 - "I Can See Clearly Now" by Johnny Nash topped the charts and stayed there for 4 weeks.
    1973 - The Chicago Bears set a National Football League record by holding the Green Bay Packers to a minus 12 passing yards.
    1973 - The De Franco Family enjoyed their biggest hit when "Heartbeat - It's a Lovebeat" topped out at #3 on the Billboard chart.
    1975 - Top Hits
“Island Girl” - Elton John
“Lyin' Eyes” - The Eagles
“They Just Can't Stop It” (“Games People Play”) - Spinners
(“Turn Out the Lights And”) “Love Me Tonight” - Don Williams
    1975 – The Orioles’ Jim Palmer won his second consecutive Cy Young award after pacing the AL in wins (23), shutouts (10), and ERA (2.09).     
    1976 - Major League baseball held its first draft of players who had declared themselves free agents. 24 players from 13 clubs were available for selection. Reggie Jackson eventually signed the most lucrative contract in this group, $2.9 million over five years, to play with the New York Yankees.
    1978 - "You Needed Me" by Anne Murray topped the charts and stayed there for a week.
    1979 - 500 Iranians seized the US Embassy in Teheran, taking some 90 hostages, of whom about 60 were Americans. They vowed to hold the hostages until the former Shah, Mohammed Reza Pahlavi, who was in the US for medical treatments, was returned to Iran for trial. The Shad died July 27, 1980, in an Egyptian military hospital near Cairo. The remaining 52 American hostages were released and left Teheran on January 20, 1981, after 444 days of captivity.
    1980 - Republican Ronald Reagan won the White House defeating President Jimmy Carter. Reagan was the 40th President of the U.S., carrying 44 states winning by a landslide (489 electoral votes to Carter's 49). The popular vote was Reagan, 42,797,153; Carter 34, 424,100, John Anderson, independent candidate 5,533,927. In congressional elections, the Republicans picked up 12 Senate seats for a 53-46 majority, with one independent seat. In the House, the Democrats lost 33 seats but kept a majority of 242-192, with one seat going to an independent.  On January 20, as Ronald Reagan was being inaugurated, Iran released the 52 captives seized at the U.S. embassy in Teheran, in Nov. 1979, thus ending the Iranian hostage crisis.
    1980 - Japan's all-time HR hitter, Sadaharu Oh, retires from professional baseball. The Tokyo Yomiuri Giants' first baseman hit a record 868 home runs in his 22-year playing career.
    1980 – Steve Carlton of the Philadelphia Phillies won his second consecutive Cy Young Award. He posted a 24-9 record with a 2.34 ERA and a league-leading 286 strikeouts.  He joined Sandy Koufax, Tom Seaver and Jim Palmer as the only three-time Cy Young Award winners to that point.
    1981 - “The Fall Guy” premiered on TV. An hour-long adventure series, the story centered around a Hollywood stuntman, Colt Seavers, played by Lee Majors, who also moonlighted as a bounty-hunter, catching bail-jumpers. It also starred Douglas Barr, Heather Thomas, Jo Ann Pflug, Markie Post and Negra Volz. Lee Majors also sang the theme song for the show.
    1983 - Top Hits
“All Night Long” (“All Night”) - Lionel Richie
“One Thing Leads to Another” - The Fixx
“Telefone” (“Long Distance Love Affair”) - Sheena Easton
“Islands in the Stream” - Kenny Rogers with Dolly Parton
    1983 - The temperature at Billings, MT soars to 77, a new record for the data and month
    1984 - Seattle sets an NFL record by returning four interceptions for touchdowns in a 45-0 victory over Kansas City. Dave Brown scores twice while Kenny Easley and Keith Simpson also return interceptions for touchdowns. All of the scores are longer than 50 yards.
    1987 - The NBA announces four new franchises; Charlotte (Hornets) and Miami (Heat) for 1988 and Minneapolis (Timberwolves) and Orlando (Magic) for 1989.
    1987 - Thirty-two cities in the eastern and south central U.S. reported record high temperatures for the date. Highs of 74 degrees at Portland ME and 86 degrees at Fort Smith, AR equaled November records. It was the fourth day of record warmth for Beckley, WV, Memphis, TN and Paducah, KY. A cold front ushered much colder air into the north central U.S. Gale force winds lashed all five Great Lakes.
    1989 - Snow and high winds plagued parts of Colorado and Wyoming. Winds gusted to 71 mph near Wheatland, WY, and reached 80 mph west of Fort Collins, CO. Up to five inches of snow blanketed Yellowstone Park, WY closing many roads. Snow also blanketed northern Minnesota, with seven inches reported at Baudette.
    1991 - The Ronald Reagan Presidential Library & Museum was dedicated by five American presidents (the first gathering of five U.S. presidents). Reagan, President George Bush, and former presidents Jimmy Carter, Gerald R. Ford and Richard M. Nixon attended the ceremonies in Simi Valley, California.
    1991 - Top Hits
“Romantic” - Karyn White
“Cream” - Prince & The N.P.G.
“Can't Stop This Thing We Started” - Bryan Adams
“Anymore” - Travis Tritt
    1991 - Bobby "Blue" Bland, Booker T. & The M.G.s, Johnny Cash, Jimi Hendrix, The Isley Brothers, Sam & Dave and The Yardbirds are elected to the Rock and Roll Hall of Fame.
    1992 - Elton John and his songwriting partner Bernie Taupin sign a $39 million publishing contract with Warner-Chappell music -- the largest music publishing firm.
    1993 - The NBA Board of Governors accepted a recommendation from the Expansion Committee to award a franchise to a Toronto group headed by John Bitlove, Jr. The team, later named the Raptors, began play in the 1995-96 season.
    1997 - After an 18-month delay, Capitol Records releases The Beach Boys' "The Pet Sounds Sessions," a 4-CD boxed set which details the creation of The Beach Boys' album "Pet Sounds." Overseen by producer Brian Wilson, the collection allows the listener to hear a capella vocals from the master tapes and alternate mixes of the songs.
    2001 - In Game 7 of a classic World Series, Arizona rallies for two runs in the bottom of the ninth, defeating the Yankees and their usually unbeatable closer, Mariano Rivera, 3-2. The four-year old Diamondbacks, the youngest franchise to win a Fall Classic, end New York's string of three consecutive World Championships.  This was also the first World Series to have been played in November, delayed out of deference to those who lost their lives on 9/11.
http://www.sportingnews.com/archives/worldseries/2001.html
    2002 - Colorado Rockies right-hander Jason Jennings (16-6, 4.52) becomes first member of the Rockies to be selected by the BBWAA as the National League Rookie of the Year. The 24-year old right-hander receives 27 first-place votes from the 32 writers participating in the balloting.
    2003 - Miami-Dade County Commissioners approved a plan committing $73 million in tax money toward a new Major League ballpark for the Marlins. The World Champions, who have agreed to change their name to the Miami Marlins if the city builds the ballpark, want to begin playing in the $325 million new park in 2007, but still doesn't have a plan for raising $137 million needed as part of their commitment.
    2008 - Democrat Barack Obama was elected the first black President of the United States, defeating Republican John McCain; Democrats gained seats in the Senate and House.
    2013 - A successor to the SR-71 Blackbird is being built by Lockheed Martin. The company's Advanced Development Programs, known by the alias Skunk Works, has taken on the challenge to build the SR-72, capable of flying at Mach 6 with expected delivery in 2023.
    2013 - A private collection of 1,500 works of art plundered by the Nazi's and discovered in a Munich apartment in 2012, has an estimated worth of $1 billion; lost works include paintings by Matisse, Paul Klee, Marc Chagall and Picasso.
    2014 - Tim Scott becomes the first African-American Senator in the south since the Reconstruction.

World Series Champions
    2001 - Arizona Diamondbacks.

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SuDoku

The object is to insert the numbers in the boxes to satisfy only one condition: each row, column and 3x3 box must contain the digits 1 through 9 exactly once. What could be simpler?

https://sudoku.com/

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Daily Puzzle

How to play:
http://www.setgame.com/set/puzzle_frame.htm

Refresh for current date:
http://www.setgame.com/set/puzzle_frame.htm

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http://www.gasbuddy.com/
http://www.gasbuddy.com/GB_Map_Gas_Prices.aspx
http://www.gasbuddy.com/GB_Mobile_Instructions.aspx

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Weather

See USA map, click to specific area, no commercials

http://www.weather.gov/

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Traffic Live---

Real Time Traffic Information

You can save up to 20 different routes and check them out with one click,
or type in a new route to learn the traffic live

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Wordle

https://www.powerlanguage.co.uk/wordle/

How to Play
https://www.today.com/popculture/popculture/wordle-know-popular-online-word-game-rcna11056

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