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3 years leasing exp., commission only first year or until quota met. You should earn $75,000 first year, work from
home office. Sandra Tieh, HR 512.458.1300 or
a OneWorld Business Finance Co-Op Member

Thursday, October 14, 2010

33 Chilean Miners Rescued! Hooray!!!

Today's Equipment Leasing Headlines

 Pictures from the Past--Brian Bjella, 1995
   Classified Ads---Asset Management/Collections
 Schwartz Indicted for $87 Million Fraud Still in Jail
  as Ex-Employees are Surprised
   Top 10 Most Expensive Homes for Sale
    Classified Ads---Help Wanted
     Placard---House Rules
      October Alexa Leasing Web Site Report
    Banner Advertising in Leasing News
  October CLP Newsletter highlights Geary, Richman
    Support Ira in Walk4Hearing
     Recommendations: Lease/Finance Calculators On Line
      5 Years + Filing False Claims/ Identity Theft
  Newark, New Jersey---Adopt-a-Dog
   Dogs and Pumpkins
    Classified ads—Back Office
News Briefs---
 All 33 Miners Pulled to Safety in Chile
  More auto loans may signal easier lending conditions
   Udvar-Hazy casts doubts on plane upgrade plans
    First Star Capital Brandon Burg sells 4BD in Magnolia
     CalFirst Leasing Numbers Year-end 6/30/2010
      Enterprise Leasing Sued over 'Rock of Love' Bus Crash
     Bankers Ignored Signs of Trouble on Foreclosures
    Across the U.S., Long Recovery Looks Like Recession
   Unemployment rate by county--US Map Chart
  Worldwide PC shipments well below forecast
 India Becomes Destination of Choice for World’s Investors

Broker/Funder/Industry Lists | Features (collection)
Top Ten Stories Chosen by Readers | Top Stories last six months

 Obama Vacation House in Hawaii for Rent
  You May have Missed---
   California Nuts Brief---
       "Gimme that Wine"
   This Day in American History
    Baseball Poem
      Daily Puzzle
     Weather, USA or specific area
      Traffic Live----

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


Pictures from the Past

Brian Bjella
Manifest Funding Services

October, 2010: Brian moves his companies Grandview Financial, Quest Resources, HLC Capital, Dakota Capital and become “Specialty Markets Group of Great America.”

March, 2004: Brian Bjella joins Ken Noyes to form Grandview Financial.

April, 2002: Brian Bjella becomes General Manager of Manifest Funding Services.

“For the past four years Brian has helped lead the sales efforts of Manifest as the Executive Director of Sales in the eastern half of the United States. Prior to that, Brian was instrumental in the start-up of’ Stellar Financial Services (currently U.S. Bancorp Portfolio Services) serving as General Manager of that company from 1994 to early 1998."

(These people wished him the best when he left Manifest):

Mike Rizzo
President & CEO
Business Equipment Finance Group
Brad Peterson
Director of Sales
Paul Meyer
Director of Sales
Cindy Fleck
Director of Marketing
Tom Landmark
Director of Operations
Becky Lanoue
Director of Portfolio Management

(Mike Rizzo, Brad Peterson, Cindy Fleck have moved on, as have many other executives. Friday, October 15th, announcement of others who will be leaving. Editor)


Classified Ads---Asset Management/Collections

Dallas, TX (willing to relocate)
20+ yrs. exp. Focus on IT/telecom. Managing/remarketing technology equip. Strong nationwide network vendors/customers. Worked remote last four years.
Haverhill, MA
Started in credit and collections 30 years ago with a private agency. My skills are negotiating with Attorney's, Insurance Companies & Large & small companies. | Resume

Minneapolis, MN
16 years leasing experience from micro to large ticket market, variety of equipment. Most recently calling on vendor telecom dealers in Upper Midwest.

Santa Barbara CA (will relocate)
Experienced Asset Manager of various portfolio's for a bank, broker and leasing company. Utilized specialized remarketing companies to maximize collateral values. Worked remote two years. | Resume

| Reference 1 | Reference 2

Seattle, WA
16 years experience small-ticket market; collections management, bankruptcy, litigation; strong vendor network; CLP Certification 2000- Pinnacle Capital since 2003, previously Irwin Business Finance, Financial Pacific

Free Posting for those seeking employment in Leasing:

All “free” categories “job wanted” ads:

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


Schwartz Indicted for $87 Million Fraud Still in Jail
Ex-Employees Are Surprised

Charles K. Schwartz
CEO Allied Health Care Services
Born: September 18, 1953
Weight: 185 Pounds
Hair Color: Gray
Eye Color: Brown
Complexion: Light
(mug shot: Essex County Corrections Facility)

Charles K. Schwartz, 56, of Sparta, N.J., was arrested September 1st by special agents of the FBI at Allied Health Care Services offices in Orange, New Jersey. He was charged with $87 Million Fraud Millions in Loans Based on Phony Medical Equipment Lease Agreements.

September 8th he was granted $2 million bail with a surety bond to be secured by real property with several restrictions, but remains in Essex County Jail, according to the Essex County Corrections Warden’s Office. Most of his real property, except reportedly for his residence, is held as collateral by Sun National Bank, Vineland, New Jersey where he guaranteed over $15 million, as well as 24 bank complaints, including liens, as well as the FBI has testimony from the seller of equipment that the equipment never existed. There are other government entities who also have potential claims.

The ex-employees were surprised by his arrest:

"It's terrible when you give a company your all; you figure if you work hard that there's no reason why you would suddenly be out of a job. Then poof, in comes the SWAT team with machine guns, moving fast, taking over, and life as you know it changes immediately, though no fault of your own. We were all scared to death. "

As the many banks and leasing companies could not find information on the internet, neither could the employees. Allied Health is a very common name and a search at best might bring up Allied Health Care Services, Orange, New Jersey. The company never had a web site. Charles Schwartz is such a common name, a search would have not found any early stories written by Leasing News, let alone all the bogus leasing. It was a major surprise to the ex-employees Leasing News spoke with:

"We still haven't even been paid for the last week of work. I'm not very hopeful, but the trustee does say we will be paid. This situation left all of us in quite a bind. Our medical benefits naturally are gone; it's real scary."

As to the actual number of respirators in use, Leasing News through a broker working on the package in March, 2010, received these answers from Charles K. Schwartz, who relayed them:

How many Lifecare units do you have on lease and or own outright?
“4,425 Half are leased and they own the other half.”

"How many people are using these units and what do they pay each month per unit?
1,450 to 1,475 patients and he said that most have 2 to 3 units each for back-up.”

When ex-employees were asked by Leasing News for a guess of how many patients on respirators were being services, it was a far number from what was allegedly leased.

"If I had to guess, I'd say around 50 patients, each with at least 2 units. Certainly, the number of oxygen recipients is way higher, not counting CPAP & BiPAP."

"CPAP is Continuous Positive Airway Pressure device, it's what you sleep with on your face if you’re diagnosed with sleep apnea, keeps the airway open. BiPAP is the same, just with some extra settings. These devices, along with ventilators and oxygen, require constant maintenance and upkeep by licensed respiratory therapists. A second machine is required in case the first fails. They are all rent to purchase.”

“We specialized in respiratory, but dealt with all types of Durable Medical Equipment. Everything from walkers, wheelchairs, hospital beds, adult diapers, and the like. We had 22 employees including customer service, office management, billers, respiratory therapists, file clerks, salespeople and drivers/technicians.”

Another ex-employee told Leasing News: "I believe one of our respiratory therapists has been hired at AtHome. (The trustee had AtHome appointed to take care of Allied customers-editor.) I would assume he should be able to assist them in identifying all the ventilator patients."

The FBI indictment alleges a $67 million fraud, and the inside knowledge from the vendor indicates perhaps all his invoices were fraudulent.

The Allied Health Care Services 2008 Federal Income Tax return (1) shows $349,126 pension fund. In the course of its journalist investigation, creditors told Leasing News they never verified this as pensions were not considered a company asset. Several of the ex-employees were asked if they were aware of its disposition. Here is one reply:

"I haven't heard anything about the pension fund; the general belief is that it is gone. The last I heard, the trustee was 'looking into it.' He has been very nice, responding to questions. I am sure he has his hands full."

In related news, six of the 19 leasing firms or banks who have filed against Allied Health Care Services have closed their complaint as both the business and personal bankruptcy may precede the action.

In the matter of De Lage Landen vs. Bruce Donner and Donner Medical, the attorney for the defense argues jurisdiction, harm, and other factors that De Lage Landen is in Pennsylvania and Donner is in New Jersey and Donner had an arrangement with Allied Health Care Services.

(1) 2008 Allied Health Care Services Federal Income Tax Return:

FBI Legal Complaint (testimony from vendor included):

Schwartz Bail Requirements:

Donner Medical Equipment Position to Dismiss Charges:


Top 10 Most Expensive Homes for Sale

Spelling Manor reports: "It has been a bad month for sales of ultra-pricey fancy mansions. Leona (Queen of Mean) Helmsley's estate in Greenwich, Connecticut that went on the market after her death in 2007 for $125 million has just sold for $35 million. And one of Indiana's most expensive mansions that was built in the early 1990s for an estimated $35 million recently sold for just $3 million."

"A recent sale of a $308 million penthouse in Monaco has shattered the previous record price of $220 million for a London penthouse. This 17,500sf La Belle Epoque estate has everything you might expect in a $308 million home including elaborate roof terraces with 15-foot trees and an infinity-edge pool. It had been the home of billionaire banker Edmund Safra who died in a 1999 fire at the home. The most expensive U.S. home on the market is the late Aaron Spelling home in Los Angeles at $150 million."

Here are the 10 Most Expensive Homes for Sale in the U.S. on Zillow:

1. Spelling Manor
Los Angeles, California
$150 million

2. Tranquility
Zephyr Cove, Nevada
$100 million

3. Versailles
Windermere, Florida
$75 million ($100 million finished)

4. Madison Ave Townhouse
Upper East Side, New York City
For Sale: $72 million

5. Champ d’Or
Hickory Creek, Texas

6. Little Jennie Ranch
Bondurant, Wyoming

7. Wehba Mansion
Beverly Hills, California
$68.5 million

8. Tranquility
Jupiter Island Florida
$65 million

9. Sierra Star
Incline Village, Nevada
$65 million

10. Upper East Side Suite
on: Upper East Side, New York City
For sale: $60 million

Story with photos by Diane Tuman, Zillow Content Manager:

Donny Deutsch sells East Hampton property


Leasing Industry Help Wanted

Vehicle Lenders Group, LLC is looking for dynamic sales associate. Either work out of one of our offices in Calif. , Dayton, or Oyster Bay, NY or your own office.
Draw w/benefits after three month probation period.
Must have excellent references, honest, self motivated, able to generate $500,000 a month by the end
of 12 months of employment.
Curt Webster, CVLE 516-922-7447 ext 104


3 years leasing exp., commission only first year or until quota met. You should earn $75,000 first year, work from
home office. Sandra Tieh, HR 512.458.1300 or
a OneWorld Business Finance Co-Op Member


Please see our Job Wanted section for possible new employees.



Alexa Ranks Leasing Media Web Sites
US rankings

10/9/2010 9/9/2010  
1. 29,111 37,582  Leasing News
2. 72,959 79,344  eLessors Networking Association
3. 90,856 120,327 Monitor Daily
147,241 366,299 World Leasing News
210,830 no data
229,118 233,670 Ind Community Bankers of America
317,579* National Assoc. of Equip Leasing Brokers
no data
no data  Commercial Finance Association
  no data no data   CLP Foundation
no data no data Nat. Equipment Finance Assoc.
no data no data  Exec Caliber-Jeffrey Taylor
no data no data Equip. Leasing & Fin Fndn
  no data no data  Institute of International Container Lessors
  no data no data  Assoc of Government Leasing  Financing
no data no data Leasing Press
no data no data Leasing Notes
no data no data Lease Assistant
no data no data Lean -Lease Enforcement Att Net
no data no data
  no data no data Lessee Advocate

Alexa Ranks Leasing Media Web Sites
World rankings

137,355  Leasing News
367,406  eLessors Networking Association
354,052 The Journal for Asset Finance
401,542 Monitor Daily
989,341 World Leasing News
892,702 Ind Community Bankers of America
1,228,418* National Assoc. of Equip Leasing Brokers
1,729,624  Commercial Finance Association
2,961,964 Equip. Leasing & Fin Fndn
3,273,073   CLP Foundation
3,673,479  Institute of International Container Lessors
3,220,961 National Equipment Finance Assoc.
4,411,143  Exec Caliber-Jeffrey Taylor
4,482,417  Assoc of Government Leasing  Financing
10,593,856 Leasing Notes
7,399,566 Lean -Lease Enforcement Att Net
14,962,741 Lessee Advocate
22,386,248 21,857,151 Lease Assistant
21,827,153 Leasing Press

David G. Mayer's Business Leasing and Finance News is not included in the Alexa report list as it does not have its own individual site and Alexa finds Patton Boggs, LLP Attorneys at Law.  The rating is not valid as it includes all those who visit and communicate with the law firm.  When Business Leasing and Finance News has its own individual web site, it will be included in the Alexa survey.

*It should be noted that NAELB web site "list serve" requires logging onto their site, meaing their e-mails are counted as a visit to the site, whereas they are "list serve" communication.  These are technically visits to the web site, but primarily to use "list serve."

The Alexa tool bar works on most browsers. They are partnered with Google.

You may download their free tool bar A graph and analysis of the last three months are available.



Banner Advertising

The editor tries to place banner ads where they will be read by those the advertisers want to reach, rather than placed at random. News stories that will have an “ill” effect are avoided as best as possible. Often it is the position of the banner ad that attracts more response. This is at the sole discretion of the editor.

Banner ads may appear under the headlines at the choice of the editor, but are not guaranteed. An attempt is made to share them on a rotation basis with other banner advertisers.

We reserve the right to refuse any advertising.

Ad design: no charge.

Click to another page or web site: no charge.

(Cannot be a “help wanted” ad for employment, must advertise company, service or product)

Pricing Information
Ad Size
Pixels Size
6.5" W X 1.5" H
468W X 180H
21 days
6.5" W X 2.5" H
468W X 180H
21 days
6.5" W X 4" H
468W X 288H
21 days
6.5" W x 5"H
468W X 360H
21 days

Samples of sizes follows:

6.5W X 1.5 H - 468W X 180H
21 days

6.5W X 2.5 H - 468W X 180H
21 days

6.5W X 4" H - 468W X 288H
21 days

Article: How Advertising works at Leasing News



October CLP Newsletter highlights Nancy Geary, Spencer Richman

CLP Spotlights

An Interview with Nancy Geary, CLP, CPA, CU--

Nancy Geary, CLP, CPA, CU
ECS Financial Services, Inc.
Vice-President, National Equipment Finance Association

How did you get your start in the equipment leasing and finance industry?
I joined ECS Financial Services, Inc. (then called Edwin C. Sigel, Ltd.) just a year out of college, more years ago than I care to admit. In my tenure at the firm I have grown from a staff accountant to a partner, learning how to manage and develop a business along the way.

Can you tell us about the role of ECS?
ECS entered the leasing industry in approximately 1990, and we quickly discovered that when it came to accounting, leasing wasn't like any other industry we knew. As a result, there weren't many small CPA firms that understood lease accounting. I found the work to be interesting and challenging. As a firm, we decided that there was a great opportunity for us to develop a niche and become a resource to brokers, lessors and funders alike.

I soon found myself taking responsibility for the leasing services group at our firm, which meant developing an expertise in lease accounting, tax rules and regulations, and other technical issues. I was also charged with researching and choosing appropriate software, hiring and training staff, and, the hardest part, building a client base.

Along the road, ECS joined various industry associations, building relationships and establishing a reputation within the industry. Recognizing the importance to be gained from attending the Lease Academy and the credibility afforded those attaining the CLP designation; I obtained my CLP in 1999 along with 3 other members of our firm. I believe that industry training and licensure are important and have supported the Foundation in various capacities throughout my years as a CLP.

What are some of the rewarding challenges at ECS?
Today at ECS, our group works with brokers, lessors and funders in various capacities, providing accounting and tax services including financial statement compilations, reviews and audits, and property, sales and income tax compliance, as well as lease servicing and consulting. We have also performed expert witness services for various lease-related cases, which test and challenge us, and provide interesting insight on the way we do business in our own office.

How do you enjoy time away from ECS?
Outside of the office, I enjoy cooking, travel and relaxing with my husband, Bob, and 13 year old son, Tim. We look forward to sharing time together at our second home in Trevor, Wisconsin. This summer we took a two week driving vacation to South Dakota, Colorado and Nebraska. We found Mount Rushmore to be a beautiful and moving monument to America and some of the important men who helped mold our country. Our whirlwind travels also included visits to the Black Hills, Custer State Park, Crazy Horse, The US Olympic Training Center, Air Force Academy, and Garden of the Gods, among others. We really enjoyed seeing REO Speedwagon at the breathtaking Red Rock Amphitheater in Denver. And we didn't forget those touristy spots like Wall Drug, the Corn Palace and the Spam Museum!

What do you enjoy most about your work?
I think that what I enjoy most about my job is the variety of things that require my attention on a daily basis. Between interacting with clients, prospects, staff members, fellow association members and the others, performing client services, and helping to run a 30+ person organization, I am constantly faced with new challenges, new responsibilities and new opportunities.

When I started my career in accounting, while I aspired to become a partner in a CPA firm, I didn't really realize what that entailed, or how reaching my goal would include getting so involved in the leasing industry!

An Interview with Spencer Richman, CLP

Spencer Richman, CLP
American Financial Network, Inc.
Immediate Past President
National Association of Equipment Leasing Brokers

When did you starting working in the field of equipment leasing and financing?
I am a graduate of Northwestern University and founded American Financial Network, Inc. in 1988 in Cleveland, Ohio. I earned my CLP certification in 1998 and Best Practices Broker designation in 2007. I served as President of the National Association of Equipment Leasing Brokers from 2009 —2010.

Can you tell us a little about AFN?
My company's leasing business is split nearly evenly in thirds between small ticket app-only business, full financial disclosure business, and municipal business. My company also maintains its own internal portfolio of nearly $1 MM of leases which we fully fund and service ourselves. In 2006 I purchased another leasing company along with its own $2.5MM portfolio which we continued to service. The biggest challenges in my 22 years in business have always been employee related, although now the lack of funding sources threatens to become my number one challenge! When I grew my company from 3 people to 10 people I found that I wound up earning less money and with far more headaches. I am once again starting to grow in size, but hope to be smarter and more selective in my hiring choices.

What do you enjoy doing in your spare time?
I am lucky to be married to a very supportive wife and to have three beautiful children, all entering their teenage years! I am a scoutmaster for a Boy Scout troop with about twenty five boys and enjoy camping with them once a month during the school year (yes, including the winter)! I enjoy reading books, listening to music. My family enjoys skiing and sailing together. We also enjoy spending time during the summer at an old farmhouse we have on forty five acres of woods, fields and ponds.

What is your favorite music?
My favorite artists are The Eagles, Pink Floyd, The Who, The Rolling Stones, Bruce Springsteen, Elton John, Genesis, and I could probably go on and on. My favorite individual albums are Dark Side of the Moon (by Pink Floyd), 90125 (by Yes), Bat out of Hell (by Meatloaf), and Boston (Boston's original album).

How does your perfect day start?
With a full night's sleep! After awakening, my perfect day would start by having breakfast with my kids, and then an hour at the gym before heading into the office (where, if it's a perfect morning, I have two or three messages waiting for me from vendors & customers with new leases they want!) I am always more productive at work if I've taken the time to get enough sleep and exercise!

What has helped you in business the most?
I can think of three things that have really helped me build my business and negotiate all the trials and tribulations of owning your own company. One is my participation in industry associations, including the NAELB and the CLP Foundation. The networking, education and credentials they provide are invaluable.

The second is my local library. Or more specifically, all of the business, sales, motivation and organization books, which they let me use for free! And finally, I joined the Entrepreneur's Organization two years ago and have found that group to be a great forum to help me achieve more with my business.

(NEFA Fall Funding Symposium: October 14-16 at the Ritz-Carlton, Buckhead. CLP President, Chris Walker is chairing the conference “Forging Relationships – Funding the Future”. This is an exceptional opportunity you won’t want to miss for personal and professional growth through networking and educational opportunities.

For more information:

Full October CLP Newsletter:

To get ahead, read the new CLP Handbook:

Cynthia W. Spurdle
Executive Director
CLP Foundation
PH: 610/687-0213
FAX: 610/687-4111


Support Ira in Walk4Hearing

“I have accepted the challenge of participating in the Garden State, NJ Walk4Hearing walkathon.

“Arlene began using hearing aids in the early 1970's. After our children were born with normal hearing we were so thankful that we decided to volunteer on behalf of the deaf and hard of hearing. It became Arlene's life's work.

“Little did we know that her hearing would gradually decrease over the years and eventually leave her profoundly deaf. Miraculously, twelve years ago a cochlear implant enabled her to hear and communicate.

“Now, a second cochlear implant allows her to enjoy conversation, music and the sounds of nature even more. She is bionic!

”The mission of the walk effort is to increase awareness about the causes and consequences of hearing loss and to raise funds to provide information and support for people with hearing loss. I am asking you to help by supporting my fundraising efforts with a donation.

“Your tax-deductible gift will make a difference in the lives of many! It is faster and easier than ever to support this great cause - you can make your donation online by simply clicking on the 'DONATE' sign above the goal thermometer. If you would prefer, you can also send your tax-deductible contribution to the address listed below.

“Any amount, great or small, helps in the fight. I greatly appreciate your support and will keep you posted on my progress.”

Ira Romoff 201 995-9594
Checks payable to: Walk4Hearing
c/o Ira Romoff
2 Westwind Ct.
Saddle River, NJ 07458



 Lease/Finance Calculators On Line

Free Lease-vs-Buy Calculator

“Our web-based lease-vs-buy calculator is completely free, provided as a courtesy to the capital equipment leasing community by S.B. Associates, Inc. You can view sophisticated lease-vs-buy analyses right on the web site, or you can print out reports for your customers. You'll appreciate the many sophisticated elements that can reveal the advantages of leasing, such as stepped or skipped rents, alternative minimum tax situations, loss carryforwards, or end of term options.

“We currently offer 5 different lease calculators. In addition to the free lease-vs-buy calculator described above, we offer LeaseMan Express (see below), a lease yield and pricing calculator specifically designed for the needs of the small ticket market and non-tax based leases in the middle market. For tax-based and leveraged leases, we offer the LeaseMan (non-express) version. We also offer two separate calculators specifically designed for consumer vehicle leasing.”

*** * ***
Publish interest tables, also computed the rates into factors, where you could then compute "retail" rates from "wholesale" rates.

For instance, on 60 months .025 was 18% or 10% add on ( in advance) and you could then multiply 1.05 ( if you wanted five points) times it and get the retail rate, the selling rate.
They also have books that had first and last and then with residuals.

A reader asked us for a program that would calculate his commission based on a lease factor. Many founders and equipment leasing companies offer these programs on line, for free. Some allow you to download the program Excel can also do this easily.

Bob Teichman, CLP, sent us the correct formula for HP17BII :


"This is a very difficult formula to copy correctly, whether on paper or on the calculator.
"I use this formula in my pricing classes, and it is very useful as it will solve for any of the leasing variables, given any number of advance payments, including rate factor, cost, term, yield (or rate), and residual. As shown above, the formula is only for leases or loans which are paid monthly and where payments are level. However, the formula could be easily adapted to other payment periods (quarterly, for instance). You would have to use a difference formula, or a program such as T-Value, to calculate skip or step payment structures.

"Thanks for printing the information about on-line calculators. I continually refer people to your list."


Bob Teichman, CLP
Teichman Financial Training
3030 Bridgeway, Suite 213
Sausalito, CA 94965
Tel: 415 331-6445
Fax: 415 331-6451

In the old days we would take the factor and multiply it by 1.00 with the commission the salesman was seeking. For instance, .0331 and the salesman wanted five points, multiply 1.05 times .0331 and it would be 034755.

Here are some personal financial portals and calculation tools we will be adding to the page:
The Motley Fool

CNN Money has also a financial calculator and other tools, and it's advantage, it is designed with currency converters, and may other programs at work all over the world:

Here are some simple calculators:

Create a schedule for paying off leases, loans, credit card balances:
Loan Calculator, which works on Palm and other PC programs

Collection of free financial calculator, including stock spread calculator, rent vs. buy
To reach financial goals:

It there is a calculator we have not mentioned on this page, please let us know as we will share with other readers.

Here is one sent in by reader, Emily Hill .  She says she uses
it all the time as it "...features over one hundred (by the looks of it) finance-related calculators."

*** * ***


*** * ***

Rosanne Wilson, CLP, sent in a company that will add a calculator to your web page for a fee.

Rosanne Wilson, CLP
1st Independent Leasing, Inc.
3800 SW Cedar Hills Blvd., Suite 165
Beaverton , OR 97005
(800) 926-0851 or Fax: (503) 626-1631
"It's the Lease We Can Do"


Send Leasing News to a colleague and ask them to subscribe.
Leasing News is free, just put in subscribe in subject line
And send to


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

5 Years, 10 Months: Filing False Claims/ Identity Theft

Los Angeles, California –Abelardo Argote was sentenced to 5 Years and 10 months (70 Months) before United States District Court Judge A. Howard Matz. He was sentenced for his participation in a scheme to defraud the IRS in which he and others filed tax returns with the IRS that falsely claimed tax refunds. In March 2010, a federal grand jury handed up a Superseding Indictment charging Argote with Aggravated Identity Theft. On June 1, 2010, Argote pled guilty to two counts of Mail Fraud and the count of Aggravated Identity Theft, to which Argote pled guilty to unlawfully using a means of identification of another person to obtain a $10,860 U.S. Treasury Check.

According to the indictment, beginning in early 2002 and continuing through June 2007, the tax returns that Abelardo Argote and others filed with the IRS falsely claimed that they and the individuals whose personal identifying information they obtained were entitled to tax refunds based upon falsified income and withholding amounts.

Abelardo Argote and others falsified IRS Forms W-2 and W-2G, detailing fictitious income and withholdings, in their own names and the names of those whose personal identifying information they had obtained to substantiate the refunds claimed. Typically, the falsified Forms W-2 and W-2G’s were submitted by the Argote’s to return preparers for preparation and filing of tax returns with the IRS. In total, Abelardo Argote caused an actual loss of $839,866.87, which he was ordered to repay as a part of his sentence.

Abelardo Argote has been detained since his arrest in April of 2009.

The investigation and prosecution for Abelardo Argote was conducted by IRS-Criminal Investigation, the Federal Bureau of Investigation, and the United States Secret Service in conjunction with the United States Attorney’s Office in Los Angeles.

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


Newark, New Jersey---Adopt a Dog

German Spitz Mix
Medium • Adult • Male

Don’t be fooled by Mike’s slim, plush appearance. When this 5 year-old German Spitz mix arrived at the shelter, his fluffy coat with black guard hairs was so matted and dirty that the best solution seemed a hair cut and a shampoo! Check out his name shaved into his flank!!

This reserved young man is easy to walk on lead, and sits on command, although he graciously declined a treat in the summer heat. Mike is playful and sharing with his toys and proved no problem to hand feed at the dinner bowl. Social with other dogs, Mike is searching for that responsible family who will schedule regular grooming sessions so he need never suffer the indignity of premature hair loss again. If you are looking to add a friendly, medium sized companion (with a fluffy coat) to your family.

We are open 7 days a week from 12pm-5:30pm; Sat & Sun from 12pm-5:00 for directions call 973-824-7080. There is an adoption donation required. The Society cannot accept personal checks but we do accept Visa, MC, AE, Discover and cash. As part of our adoption process, we must have proof of residency. Homeowners must show proof of ownership; landlord approval is required for renters before an adoption can be approved.”

AHS At Newark, NJ
124 Evergreen Avenue
Newark Airport
Newark, NJ 07114
Phone: 973-824-7080
Fax: 973-824-2720

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This Day in American History


    1644-Birthday of William Penn, founder of Pennsylvania, born at London, England. Penn died July 30, 1718, at Buckinghamshire, England. President Proclamation 5284, of November 28, 1984, conferred honorary citizenship of the USA upon William Penn and his second wife, Hannah Callowhill Penn. They were the third and fourth persons to received honorary Citizenship, including Winston Churchill and Raoul Wallengber”
( lower half of: )
    1656- The first punitive legislation in Massachusetts against Quakers was enacted. (The marriage of church-and-state in Puritanism made them regard the ritual-free Quakers as spiritually apostate and politically subversive). The law provided for a fine of 100 pounds for any ship captain who delivered Quakers “ or any other blasphemous heretics” the Massachusetts Bay Colony. Possessing Quaker books and coming to the defense of Quakers was also outlawed and punished with fines, whipping and jailing. Subsequent anti-Quaker laws included the penalties of having their ears cut off and the tongue bored through with a hot iron. 
    1734-Birthday of Francis Lightfoot Lee, signer of the Declaration of Independence. Born at Westmoreland County, VA, he died January 11, 1797 at Richmond County, VA.
His plantation was called “Menokin.”
    1735 -Methodist pioneer John Wesley first set sail to America, to minister to the Indians under Georgia Gov. Oglethorpe. On this same date, Wesley began keeping his famous, 55-year-long journal, whose last entry was dated Oct 24, 1790.
    1774-The Declaration of rights was passed by the First Continental Congress in Philadelphia, PA. It was known as the “Declaration and Resolves of the First Continental Congress.”: It stated the colonist “are entitled to life, liberty and property; and they have never ceded to any foreign power whosoever a right to dispose of either without their consent.”
    1834-African-American Henry Blair patents his corn-planting machine. Two years later, on August 31, 1936, he obtained a patent on a cotton seed planter.
    1863 -Battle of Bristol Station - Confederate General Robert E. Lee attempts to drive the Union army out of Virginia but fails when an outnumbered Union force repels the attacking Rebels The aggressive Lee realized that he had a chance to cut the Union army up piecemeal during the withdrawal. Confederate General Ambrose P. Hill spotted Yankees from General George Sykes's Fifth Corps near Bristoe Station on the afternoon of October 14. Thinking this was the rear of the Union army, Hill attacked and began driving the Federals away in disarray. The Confederates were surprised by the sudden appearance of Union General Governor K. Warren's Second Corps. Warren's men were returning from a small battle at Auburn, Virginia, earlier that morning. Hill decided to attack this new force as well, but the Yankees were well protected by a railroad cut. In a very short engagement, the Confederates suffered 1,400 men killed, wounded, and captured, while the Union lost only 546. "Bury these poor men," Lee somberly told Hill, "and let us say no more about it." The Union army was driven back 40 miles from its original positions, and the Confederates destroyed a large section of the Orange and Alexandria Railroad, a key Union supply line. Nonetheless, the gains were temporary. The next month, Meade drove Lee back behind the Rapidan River.
    1863-Birthday of journalist Winifred Sweet Black. She wrote under the name of Annie Laurie was able to infiltrate Mormon life and expose polygamy in an 1898 series of articles in the Hearst newspapers. But her greatest accomplishment was disguising herself as a boy and becoming the only woman reporter on Galveston Island after the terrible hurricane in 1900. She, unlike others, didn't only report. Using funds donated by Heart's readers, she opened and administered a hospital on the island to aid the displaced and injured. Another time she faked a collapse to expose graft and mismanagement in San Francisco's receiving hospital. She got an exclusive interview with President Benjamin Harrison, and even get into a leper colony in Hawaii. She also reported on World War I and the Versailles treaty negotiations. She continued reporting on world events well into her 60s. She died in 1936.
    1890-Birthday of Dwight David Eisenhower, the 34 th president of the US, born at Denison, Texas. Serving two terms as president, Jan 20,1953-January 20,1961, Eisenhower was the first president to be baptized after taking office )Sunday, February 1, 1953). Nicknamed “Ike,” he held the rank of five-star general of the army ( resigned in 1952 and restored by act of Congress in 1951). He served as supreme commander of the Allied forces in western Europe during WWII. In his Farewell Address (January 17,1961), speaking about the “conjunction of an immense military establishment and a large arms industry,” he warned: “ In the councils of government, we must guard against the acquisition of unwarranted influence, whether sough or unsought by the military-industrial complex. The potential of disastrous rise of misplaced power exists and will persist.” An American hero, Eisenhower died at Washington, DC., March 28, 1969.
    1891---Birthday of Sarah Winnemucca
    1894 – Birthday of e e cummings (Edward Estlin Cummings) (poet, playwright: Him, Santa Claus; writer: The Enormous Room; died Sep 3, 1962)
    1899-Birthday of pianist/song writer Spencer Williams, New Orleans, LA
    1899 -Bandleader/jazz promoter William “Red” McKenzie Birthday,+Red
    1906 -The White Sox, known as baseball's 'hitless wonders' complete their unbelievable World Series upset of the their powerful crosstown rivals by beating the Cubs, 8-3 at South Side Park. The Cubs had won a record 116 regular season games.
    1930- Ethel Merman becomes a star overnight with her rendition of "I Got Rhythm," featured in the new Broadway hit Girl Crazy.
    1938-Bob Haggart-Ray Bauduc record “Big Noise from Winnetka ( Decca 2208) 1939-Birthday of Ralph Lauren, the designer and purveyor of a line of popular clothes that sought to capture the "spirit of the West," born New York City. His claim to fame is the “Polo” brand.
    1940-Charlie Barnet Band records “Redskin Rumba” (Bluebird 10944).
    1946—Top Hits 
To Each His Own - Eddy Howard 
Five Minutes More - Frank Sinatra 
South America, Take It Away - Bing Crosby and The Andrews Sisters 
Divorce Me C.O.D. - Merle Travis
    1947-Flying a Bell X-I at Muroc Dry Lake Bed, California, Air Force pilot Chuck Yeager broke the sound barrier, ushering in the era of supersonic flight. Yeager, born in Myra, West Virginia, in 1923, was a combat fighter during World War II and flew 64 missions over Europe. He shot down 13 German planes and was himself shot down over France, but he escaped capture with the assistance of the French Underground. After the war, he was among several volunteers chosen to test-fly the experimental X-1 rocket plane, built by the Bell Aircraft Company to explore the possibility of supersonic flight.
    1950-“The Adventures of Ellery Queen” premiere on television. The first of many series to portray fictional detective Ellery Queen. It began on the Dumont network, where my father Lawrence Menkin wrote many of the episodes, and later moved to ABC. Queen was played by Richard Hart. In the next four series, he would also be played by Lee Bowman, Hugh Marlowe, George Nada, Lee Phillips, Peter Lawford and Jim Hutton. In each series Queen talked to the home audience at the show's climax to see if they were able to identify the killer. Future series were titled, “ Ellery Queen” and the “Further Adventures of Ellery Queen.” The last telecast aired on September 5, 1976.
    1952-SCHOWALTER, EDWARD R., JR. Medal of Honor Rank and organization: First Lieutenant, U.S. Army, Company A, 31st Infantry Regiment, 7th Infantry Division. Place and date: Near Kumhwa, Korea, 14 October 1952. Entered service at: Metairie, La. Born: 24 December 1927, New Orleans, La. G.O. No.: 6, 28 January 1954. Citation: 1st Lt. Schowalter, commanding, Company A, distinguished himself by conspicuous gallantry and indomitable courage above and beyond the call of duty in action against the enemy. Committed to attack and occupy a key-approach to the primary objective, the 1st Platoon of his company came under heavy vicious small-arms, grenade, and mortar fire within 50 yards of the enemy-held strongpoint, halting the advance and inflicting several casualties. The 2d Platoon moved up in support at this juncture, and although wounded, 1st Lt. Schowalter continued to spearhead the assault. Nearing the objective he was severely wounded by a grenade fragment but, refusing medical aid, he led his men into the trenches and began routing the enemy from the bunkers with grenades. Suddenly from a burst of fire from a hidden cove off the trench he was again wounded. Although suffering from his wounds, he refused to relinquish command and continued issuing orders and encouraging his men until the commanding ground was secured and then he was evacuated. 1st Lt. Schowalter's unflinching courage, extraordinary heroism, and inspirational leadership reflect the highest credit upon himself and are in keeping with the highest traditions of the military service. 
    1952-“The Red Button Shows” premiered on TV. The comedy-variety show starred the well-known burlesque comedian Red Buttons. Regulars included Dorothy Jolliffe, Joe Silver, Jeane Carson, Sara Seegar, Jimkmly Little, Ralph Stanley, Sammyu Birch, and the Elliot Lawrence orchestra. It later switched networks under a new format in 1953, as a sitcom with Phylis Kirk and Paul Lynde.
    1954—Top Hits 
Hey There - Rosemary Clooney 
I Need You Now - Eddie Fisher 
Papa Loves Mambo - Perry Como 
I Don't Hurt Anymore - Hank Snow
    1955-Nineteen-year old Buddy Holly and his sidemen, Larry Welborn and Bob Montgomery, open a concert in Lubbock, Texas for Bill Haley and the Comets. Nashville talent agent Eddie Crandell is in the audience and in the next few weeks arranges for Holly to record his first demo.
    1957--Although it was banned by some US radio stations for its suggestive lyrics, The Everly Brothers' "Wake up Little Susie" reached the top of the Billboard singles chart. 
    1957-The Elvis Presley classic, "Jailhouse Rock" is released. It would become his ninth US number one single and stay on the Billboard chart for nineteen weeks. The film clip from the movie where he sang the song is considered by many historians to be the first Rock video. 
    1957- Elvis' "Jailhouse Rock" is released.
    1960-At the improbable hour of 1am, then presidential candidate John F. Kennedy spoke impromptu to several thousand students from the steps of the University of Michigan Union building. He ask,” How many of you are going to be doctors are willing to spend your days in Ghana? how many of you( technicians and engineers) are willing to work in the Foreign Service? The response was favorable, and 19 days later in San Francisco, Kennedy formally proposed the Peace Corps, which was created by Executive Order, March 1, 1962.
    1961 - The Broadway production "How to Succeed in Business without Really Trying" opened on Broadway.
    1962-The Cuban Missile Crisis begins , 1962, bringing the United States and the Soviet Union to the brink of nuclear conflict. Photographs taken by a high-altitude U-2 spy plane offered incontrovertible evidence that Soviet-made medium-range missiles in Cuba--capable of carrying nuclear warheads--were now stationed 90 miles off the American coastline. Tensions between the United States and the Soviet Union over Cuba had been steadily increasing since the failed April 1961 Bay of Pigs invasion, in which Cuban refugees, armed and trained by the United States, landed in Cuba and attempted to overthrow the government of Fidel Castro. Though the invasion did not succeed, Castro was convinced that the United States would try again, and set out to get more military assistance from the Soviet Union. During the next year, the number of Soviet advisors in Cuba rose to more than 20,000. Rumors began that Russia was also moving missiles and strategic bombers onto the island. Russian leader Nikita Khrushchev may have decided to so dramatically up the stakes in the Cold War for several reasons. He may have believed that the United States was indeed going to invade Cuba and provided the weapons as a deterrent. Facing criticism at home from more hard-line members of the Soviet communist hierarchy, he may have thought a tough stand might win him support. Khrushchev also had always resented that U.S. nuclear missiles were stationed near the Soviet Union (in Turkey, for example), and putting missiles in Cuba might have been his way of redressing the imbalance. Two days after the pictures were taken, after being developed and analyzed by intelligence officers, they were presented to President Kennedy. During the next two weeks, the United States and the Soviet Union would come as close to nuclear war as they ever had, and a fearful world awaited the outcome.
    1962—Top Hits 
Sherry - The 4 Seasons 
Monster Mash - Bobby “Boris” Picket 
I Remember You - Frank Ifield 
Devil Woman - Marty Robbins 
    1964-Martin Luther King, Jr. became the youngest recipient of the Nobel Peace Prize when awarded the honor. Dr. King donated the entire $54,000 prize money to furthering the causes of the civil rights movement.
    1965 - Dodger ace Sandy Koufax, working on just two days rest, pitched a three-hit shutout of the Minnesota Twins. Koufax struck out ten Twins on his way to the 2-0 win. And the Dodgers were World Series champs for the second time in three years.
    1966- Former R&B cover band Pink Floyd debut an entire set of psychedelic originals at tonight's gig at All Saints Hall in London
    1966--The Paul Butterfield Blues Band, Jefferson Airplane, Big Mama Mae Thornton, play the San Francisco Fillmore Auditorium 
    1967-The Who's "I Can See for Miles" is released.
    1967 -- Folk singer Joan Baez arrested in blockade of military induction center, Oakland, California.
    1970—Top Hits 
Cracklin' Rosie - Neil Diamond 
I'll Be There - The Jackson 5 
All Right Now - Free 
Sunday Morning Coming Down - Johnny Cash
    1971 -John Lennon and Yoko Ono appear on ABC-TV's The Dick Cavett Show to promote John's new album Imagine, Yoko's new book, and their upcoming art exhibition.
    1972- Harold Melvin and the Bluenotes enter the soul chart with "If You Don't Know Me by Now," which, in 16 weeks on the chart, will peak at Number One for two weeks. The song makes it to #3 on the pop chart.
    1972-The Temptations' "Papa Was A Rolling Stone" is released.
    1975-Kiss' "Rock and Roll All Nite" is released.
    1976- The Yankees win their 30th pennant dramatically on Chris Chambliss' bottom of ninth-inning solo homer defeating the Royals, 7-6 in Game Five and deciding contest of the ALCS.
    1977- At the request of the Dodgers, Linda Ronstadt sings the National Anthem at Dodger Stadium to open the third game of the World Series against the Yankees. (1977)

    1978-All four solo albums by the members of KISS break through Billboard's Top 100. Gene Simmons effort will prove to be the highest charting at #22, followed by Ace Frehley at #26, then Paul Stanley at #40 and Peter Criss at #43. 
    1981- Four days of heavy rain across northern Texas and southern Oklahoma came to an end. The heaviest rains fell in a band from southwest of Abilene TX to McAlester OK, with up to 26 inches reported north of Gainesville, in north central Texas. The heavy rains were the result of decaying Hurricane Norma, which also spawned thirteen tornadoes across the region. Seven deaths were attributed to the flooding.
    1984 - Dense fog contributed to a 118 vehicle accident on I-94, just south of Milwaukee WI. It was the seventh day of an eight day stretch of dense fog. At the time of the accident the visibility was reportedly close to zero
    1987 - A media frenzy occurred when hundreds of rescuers came to the aid of little 18-month-old Jessica McClure. At 9:30 a.m. on this day, Jessica fell 22 feet into an abandoned well in her backyard in Midland, Texas. She was brought out of the well 58 hours later and was rushed to the hospital, where she underwent minor surgery. Gifts, especially stuffed animals, pouring into the hospital from well-wishers, most of whom had never met Jessica or her family.
    1988 - Forty cities in the eastern U.S. reported record low temperatures for the date. Elkins WV was the cold spot in the nation with a record low of 18 degrees above zero. Thunderstorms in Arizona drenched Phoenix with nine inches of rain in nine hours, the fifth highest total for any given day in ninety-two years of records. Carefree AZ was soaked with two inches of rain.
    1989 - Thunderstorms produced severe weather over Michigan during the morning, and over New York State and Connecticut during the afternoon and evening hours. Thunderstorms spawned two tornadoes, and there were ninety reports of large hail or damaging winds, including seventy reports of damaging winds in New York State. A tornado at McDonough NY killed one person and injured three other people. Strong thunderstorm winds gusted to 105 mph at Somerset. Temperatures warmed into the 80s and lower 90s over much of the nation east of the Rockies, with eleven cities reporting record high temperatures for the date. Afternoon highs of 81 degrees at Beckley WV and Bluefield WV equaled October records. 
    1990- San Francisco 49er Joe Montana passes for six 6 touchdowns vs. Atlanta (45-35).

    1992- Canada gets its first pennant as the Blue Jays clinch the AL crown with a 9-2 victory over the A's in the Game 6 of the ALCS.
    1996-Archer Daniels Midland Company, Decatur, IL, a maker of agricultural commodities received a fine from the Justice Department for $100 million. It was a penalty for conspiring with other companies to fix the prices of two food additives, lysine and citric acid. The company admitted the charges. It was by far the largest such fine up to that time.
    1997- Max Steiner's acclaimed score to 1942's legendary film Casablanca is finally released, including selected dialogue and the vocal hit "As Time Goes By."
    2000- The Beatles' official autobiography Anthology hits #1 on the New York Times nonfiction bestseller list.
    2002- Light hitting second baseman Adam Kennedy becomes the fifth player to hit three homers in a postseason game helping the Angels to secure their first World Series berth in the team's 42-year history. Using a ten-run seventh inning, Anaheim beats the Twins 13-5 to win the ALCS in five games.
    2003 Holding a 3-0 lead and needing only five more outs to go the World Series for the first time since 1945, the Cubs give up eight runs, on five hits, three walks and an error to the Marlins. The team appears to come apart after a Cub fan, sitting along the left-field line at Wrigley Field, tries to catch a foul ball that was about to be caught by Cubs' outfielder Moises Alou for the second out of the inning.
    2006 - Silas Simmons, the oldest former professional baseball player of all time, celebrates his 111th birthday. The 17th-oldest person in the country, born the same year as Babe Ruth, is joined by former players of the Negro Leagues and receives 1913 Homestead Grays jersey with No. 111 stitched beneath his name from Steve Henderson of the Devil Rays at his home in the Westminster Suncoast retirement community in St. Petersburg.
   2009-Paul McCartney was named Songwriter of The Year at the 29th Annual ASCAP Awards in London, England. The awards presentation honored songwriters and publishers of the most performed works in the US during 2008. Other winners at the event included Phil Collins, who collected his 11th award for his hit "In the Air Tonight".

World Series Champions This Date

    1905 New York Giants
    1908 Chicago Cubs
    1929 Philadelphia Athletics
    1965 Los Angles Dodgers
    1984-Detroit Tigers



Double Play

From the book

That Sweet Diamond

by Paul B. Janeczko, Carole Katchen (Illustrator)

The runner is
a non-swimmer in deep water,
inching from the bag
returning in alarm.

The shortstop and second baseman
are schoolboys
passing secrets
behind the pitcher's back.

Moving before the pitch,
the shortstop dashes to the bag
glove up in anticipation
as runner and
peg from his partner at second
He drags the toe of his right shoe
across the bag
as the ball slaps home
and he leaps
to avoid the spikes.

Resting in air
safely above the slide
long enough to throw to first
before he tumbles to the dirt,
his eyes on the ball
the mitt
the umpire's confirmation of perfection.




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