Connect with Leasing News
 Add me to mailing list  |     |     Search |  Stress Release

Advertising | All Lists | Archives | Classified Ads | This Day In American History

Independent, unbiased and fair news about the Leasing Industry

Moday, October 31, 2011

Happy Halloween

Today's Equipment Leasing Headlines

Bank of Ozarks Joins
 Companies who notify lessee in advance of lease expiration
  and require their discounter to also notify lessee in advance
   Classified Ads---Asset Management/Controller
Bank Beat--Indian-American Bank Fails in Illinois
 by Christopher Menkin
  Career Crossroad—“Like Throwing a Dart Blindfolded”
   Classified Ads---Help Wanted
 Don't Kid Yourself: You're Not Steve Jobs
  By Julie Steinberg
    Leasing 102 by Mr. Terry Winders, CLP
     “Initial Direct Costs (IDC)”
       Top Stories October 24--October 28
 Top Ten Computer and iPhone Passwords
   Latin American Leasing Conference Nov 17-18
    sponsored by The Alta Group
     Minneapolis, Minnesota Adopt-A-Dog
    The Differences Between Print and Internet Advertising
     by Kit Menkin, editor/publisher
News Briefs---
 More than 3 million without power after East Coast storm
  In high-stakes unveiling, Nokia shows off first Windows phones
   Steve Jobs' Final Words Revealed by Biological Sister

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

100 years of Chevy: An improbable journey to American icon
   You May have Missed---
    Sports Briefs---
     California Nuts---
       Gimmie that wine---
         This Day in American History
           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.


Bank of Ozarks Joins
Companies who notify lessee in advance of lease expiration
and require their discounter to also notify lessee in advance

Bank of Ozarks Leasing
(bank 1903/ Leasing 2003)
Scott Hastings, President
Toll Free 866.625.6690
Direct 501.448.0140
Cell 501.951.3664
Fax 866.625.6689


“I noticed your mention of us with respect to ‘End of Lease Option’ notification. All but 8 of our 2,505 contracts are full payout. When we occasionally write a residual based contract we call the customer 90 days prior to lease expiration for direction on disposition.

Always enjoy your newsletter.”

Scott Hastings

Full List of Companies and Notification Procedure:


Classified Ads--- Asset Management

(These ads are “free” to those seeking employment
or looking to improve their position)

Asset Management

San Francisco, CA
Ten years experience setting residuals, negotiating leases and remarketing equipment across a broad spectrum of large ticket asset types including marine, intermodal, mining, energy, manufacturing.


Chicago, IL
experienced in lease accounting, operations, management, and Sarbanes-Oxley. Seeking position with equipment lessor. Would consider contract assignments or relocating. 
Southeastern, MI
Controller & Management experience w/ equip lessors &broker. MBA, CPA w/ extensive accounting, management, securitization experience with public and private companies. Willing to relocate. 

Southern CA
20 years exp. as hands-on leasing CFO, managing accounting, treasury, FP&A, including securitizations, Great Plains/FRx, budgets, risk management.  MBA.  Also available as interim Controller/CFO, consultant. 

Free Posting for those seeking employment in Leasing:

All “free” categories “job wanted” ads:

Gary DiLillo, President 216-658-5618 or

To learn more about the benefits of
outsourcing personal property tax, please click here.



Bank Beat--Indian-American Bank Fails in Illinois
by Christopher Menkin

In reviewing the failures of banks taken over by the FDIC in the last three years, the majority of the bank directors had little lending, let alone banking experience, or knowledge for the positions that they held. Many had attracted investors, who were their friends, who they also promoted loans and other banking relationships. They contributed directly to the failure of their bank.

All American Bank, Des Plaines, Cook County, Illinois, is the 85th FDIC-insured institution and smallest bank to fail in the nation this year, and the ninth in Illinois. According to Highbeam Business, the bank was catering to Indian-Americans since its launch. The FDIC estimates that the cost to the Deposit Insurance Fund (DIF) will be $6.5 million. International Bank of Chicago, Chicago, Illinois, to assume all of the deposits.

All American Bank was established August 15, 2005 and had nine full time employees. As of September 30, 2011, All American Bank had approximately $34.8 million in total assets and $30.5 million in total deposits. In addition to assuming all of the deposits, International Bank of Chicago agreed to purchase essentially all of the failed bank's assets. Both assets and deposits were down from June 31, 2011, when All American Bank had approximately $37.8 million in total assets and $33.4 million in total deposits, according to FDIC records.

September 30, 2011: Tier 1 risk-based capital ratio 2.62%

June 21,2010 the FDIC issued a Consent order for the board to get more involved with the operation of the bank, employees to be held accountable for following "policies, procedures and regulatory requirements," obtain a compliance officer within 60 days, administer programs of compliance, training programs, and basically get the bank in better order."

In reporting on bank failures for the last three years, most were profitable in 2006, with perhaps some exceptions in Florida, but here is a bank that had losses prior to the mortgage meltdown and the losses far outceded the charge offs, giving further indication to the poor management of the bank.

Officers and Directors

  • Varghese Chacko, Chairman/Founder (Insurance agent)
  • Jacob Chacko, Director (Alert Medical Supplies, Secretary)

(no information found on these directors)

  • Frenny Christian, Director
  • Joseph Mullappillil, Director
  • Joseph Myalil, Director
  • Thogaru Nandan, Director
  • Milton Pandya, Director
  • Issac Plamoottil, Director
  • Jude Cresto was president of the bank
  • Maslike Visram, Vice President/Chief Credit Officer
  • Eliza Aleman, Branch Manager
  • Jose Aquino, Controller

(in millions, unless otherwise)

Net Equity

2006 $7.8
2007 $7.2
2008 $5.0
2009 $2.2
2010 $1.8
6/31 $829,000
9/30 $701,000


2006 -$832,000
2007 -$558,000
2008 -$2.2
2009 -$2.8
2010 -$400,000
6/31 -$1.0
9/30 -$1.1

Non-Current Loans

2006 $913,000
2007 0
2008 $1.9
2009 $5.2
2010 $6.7
6/31 $6.0

Charge Offs
2006 $3,000 ($3,000 loans to individuals)
2007 $82,000 ($82,000 commercial and industrial loans)
2008 $47,000 ($47,000 loans to individuals)
2009 $348,000 ($235,000 1-4 family residential properties, $77,000 commercial, $36,000 other)
2010 $1.2 ($1.29 1-4 family residential properties, -$20,000 other loans)
6/31 $1.08 ($707,000 construction/land, $221,000 nonfarm, $163,000 1-4 family, -$11,000 other)
9/30 $1.09 (rounded off)

Construction and Land, 1-4 family multiple residential, Multiple Family Residential, Non-Farm Non-Residential loans.

List of Bank Failures:

Bank Beat:


Please send Leasing News and ask them to subscribe. We are Free!


Career Crossroad—“Like Throwing a Dart Blindfolded”

Question: I submitted my credentials for a job opening listed on a major job board. I have not received ANY feedback; what do you suggest?

Answer: Assuming you are employed within the Equipment Leasing / Finance / Banking Industry:

“General” job boards are a waste of time for Employers AND Candidates within this industry; as it is such a niche / specialized industry that you need to consider a few things:

Understand that employers receive hundreds of “unqualified” Leasing / Finance Candidates from “general” job boards e.g. Monster; sifting through piles of resumes is a daunting task. As such, either (1) it will take a while for them to respond (2) you get lost in the shuffle (3) they see something that turns them off.

Candidates should utilize their own industry-specific resources, find a colleague who knows someone at the company, or if you have met or talked with someone at the company during your career, ask them for advice or if they know someone specifically to contact.

Recruiters, such as myself, often know the human resource personnel, or other executives, as well as we have an entry to propose a good candidate. Or often explain something on a resume that may hinder having an interview or highlight what was not covered well in the resume that the recruiter is looking for.

I personally view job boards as if it was a "dart board" and here you are blindfolded, throwing your resuming that it is going to hit the wall or the dart board, especially a "bulls-eye." Believe me I work both hard and smart for my client, whether an individual or a company looking to hire a specific person.

Emily Fitzpatrick
Sr. Recruiter
Recruiters International, Inc.
Phone: 954-885-9241
Cell: 954-612-0567

Previous Career Crossroad columns:

Leasing Industry Help Wanted

Midwest Sales Representative
(as far east as Michigan, as far west as Colorado, as far
south as Texas, and as far north as Minnesota)

Construction, Trucking, Machine Tools, Waste Equipment
Credit application only up to $250K, vendor driven, fast approvals
contact: Chris Chiappetta at 

In the last 25 years National Machine Tool Financial has evolved into the premier outsource captive finance company for many major manufacturers.



For information on placing a help wanted ad, please click here:

Please see our Job Wanted section for possible new employees.



Don't Kid Yourself: You're Not Steve Jobs
By Julie Steinberg

If you're trying to move up the ladder, you're probably doing it all wrong.

So claims consultant and workplace expert Alexandra Levit in her new book "Blind Spots: The 10 Business Myths You Can't Afford to Believe on Your New Path to Success," which was released earlier this month. Levit offers up 10 things people tend to believe about their careers and then following them will only set you up for failure.

FINS caught up with Levit in a phone interview to talk about common career assumptions and why they're not true.

Myth: Being Good at Your Job Trumps Everything

Even if you're the best employee the company has ever had, if no one knows about your numbers, it doesn't matter.

"Your department won't be perceived as important, even if you're doing a good job, if the right people don't understand what you're contributing to the bottom line," Levit said.

You need visibility. To get that, you'll have to self-promote without being obnoxious or overly "braggy." Start with your boss, Levit said. Update him or her with weekly status reports that quantify your results. Check in as often as he or she wants.

You can also send a gracious email to your boss and your team as well as a few higher-ups, thanking everyone for their input. That way, you highlight what you did while appearing to appreciate the help of your colleagues and superiors.

Myth: You'll Get More Money Because You Earned It

This myth is an extension of the previous one. Just because you've been doing a fantastic job doesn't mean your superiors will automatically bump up your salary. They're focused on saving money, not rewarding employees, if even they deserve it.

Again, the onus is on you to get what you want. Ask for a meeting with your boss after a strong performance evaluation, Levit said. That will give you ammunition in your compensation discussion.

Whatever you do, don't mention your colleagues' salaries, even if you know you're being paid less. It's dangerous to rely on office salary gossip because you don't know the particulars associated with it, Levit said. The person might be lying, you don't know what the job market was like when they were hired and they may have additional responsibilities you don't know about.

Instead, bring up the market in general and throw out some ranges of what people are making in your particular area. It's much harder for a boss to say no if you're equipped with market data and are able to measure your remuneration against it.

You might be worried that now's not a good time to ask for a raise because of the generally weak economy. But "it's definitely worth a shot, especially if you have a strong justification," Levit said. Organizations are still in the mindset that you're fortunate to be employed, but that will change as the economy improves.

Myth: You Won't Get Laid Off; You're Too Essential

Doing great work won't shield you from the realities of a soured economy.

To avoid getting laid off, Levit recommends you make yourself likeable. Besides getting concrete results and becoming as visible as possible, you should focus on fostering a close relationship with your boss.

"People really underestimate the subjectivity of the decision to let someone go," Levit said. "If your boss likes you, sometimes they will look the other way on performance issues and will be more forgiving when you make a mistake."

Even if you're doing excellent work and your colleague isn't, if he and your boss have a rapport and you don't, you're going to be the one looking for a new job.

It's "just so much easier to keep a job when someone is likeable," Levit said. Ask about your boss's family, your colleague's hobbies and take a genuine interest in other people.

Myth: Do What You Love and the Money Will Follow

Steve Jobs's 2005 Stanford commencement speech recently went viral in the wake of his death. In it, Jobs stresses doing what you love and not wasting any time because life is short. But "not everyone can be him," Levit said. "Everyone thinks, 'I can do that, it's the American dream.'"

The reality is Steve Jobs was one in a billion, Levit said, and his story encourages people to think it's possible for everyone.

Instead of doing what you love, Levit recommends trying to love what you do.

"Look back to the time when you were applying for this job and remember how enthusiastic you were about it," she said. "Try to emotionally re-engage with the part of you that wanted this job in the first place."

To ramp up your excitement about your daily 7-7, Levit suggests volunteering, mentoring and finding activities within the organization that will introduce you to new aspects of it.

It's also important to distinguish between having a great hobby and having a great career. There are myriad stories about people leaving corporate America to pursue their passions, but that may not lead to happiness for everyone, Levit said. Even if you love photography, it doesn't need to become your day job for you to feel like Ansel Adams. Especially if it won't pay the bills.

Write to Julie Steinberg at

Blind Spots: 10 Business Myths You Can't Afford to Believe on Your New Path to Success
by Alexandra Levit, paperback and Kindle


Leasing 102 by
Mr. Terry Winders, CLP

“Initial Direct Costs (IDC)”

In December of 1986, the Board of the Financial Accounting Standards Board (FASB) modified the definition and accounting treatment of initial direct costs in Statements of Financial Accounting Standards (SFAS) 91. Under this statement, initial direct costs are limited to those costs incurred by the lessor that are:

  • costs to originate a lease incurred in transactions with independent third parties that

  • result directly from and are essential to acquire that lease and

  • would not have been incurred had that leasing transaction not occurred and

  • certain costs related to specified activities (credit evaluation, negotiating lease terms, preparing and processing lease documents, etc.) preformed by the lessor for that lease.

Broker and packager fees are included in Initial Direct Costs (IDC). The IDC is amortized on a straight line bases over the life of the lease. It then becomes part of an early payoff calculation if the transaction is early terminated or becomes a causality loss. The unamortized portion of the IDC is added to the termination amount.

The larger the broker, or packager, fee the more it will affect the early termination amount. Therefore most brokers retain first few payments and sell off the remaining stream. This reduces and IDC from causing pay off problems on bargain option leases when you are trying to help the lessee upgrade to newer equipment.

Generally speaking capital leases do not carry a cancelable clause, especially in times of low interest rates. There is no fear that the lessee will want to refinance the lease to get lower rates. Most lessors continue the use of non-cancelable to prevent the lessee from seeking to lease the new equipment from a competitor by requesting a termination fee equal to the remaining payments or to simply return the equipment and walk away. This may change in the coming new accounting guidelines, especially in defining an “operating” or “true” lease.

Some lessor’s include some portion of their credit investigation and document fees as IDC because it enhances the current earnings by lowering the current costs. The best use of this approach is when the volume of leases is not steady and bunches up at different times of the year. Those with a steady flow of volume do not include these costs because they are constant. This may change in the near future.

Accounting facts such as this is important for leasing personnel to understand, because it affects the manner in which we approach our customers/lessees. With the new accounting rules approaching and leasing being dealt with like a fancy loan, understanding the differences between lending and leasing will be necessary to stay in business.

Mr. Terry Winders, CLP, has been a teacher, consultant, expert witness for the leasing industry for thirty-five years and can be reached at or 502-649-0448

He invites your questions and queries.

Previous #102 Columns:

Mr. Terry Winders, CLP
Anaheim, California

December 12-14th
Two and One Half-Day Seminar
sponsored by
Commerce National Bank
4040 MacArthur Blvd. Suite 100 
Newport Beach CA 92660
(Orange County Airport is a half-mile away)

The seminar will contain information on how to approach leasing in 2012 with the following subjects:

  • New lease language
  • Proposed new accounting rules for lessee's
  • Structuring and pricing for competition
  • Income tax rules, Article 2A vs. Article 9
  • New reasons to lease
  • Questions to ask lessee
  • Vendor needs
  • Credit enhancements
  • Documentation issues

and a take home assignment to see how to propose a lease.

Cost $450 per person

To request a complete outline contact: leaseconsulting@msn.comor for questions call 502-649-0448

(This ad is a “trade” for the writing of this column. Opinions
contained in the column are those of Mr. Terry Winders, CLP)



Top Stories October 24--October 28

Here are the top ten sorties opened by readers:

(1) Puget Sound Leasing has Packed Up & Moved

(2) Results Are In---
"Application Only" versus Financial Statements?

(3) Customer Complaints Filed
against Select Group of Equipment Leasing Companies

(4) Alert---Vartanian forms New Companies

(5) Three More Sentenced in "Operation Lease Fleece"

(6) Funders Looking for New Broker Business

(7) Steve Jobs stayed tag-less by leasing a new car every six months

(8) Career Crossroad “Been out of leasing, but want back in”

(9) New IPhone 4S (for seniors)

(Tie) (10) ELFA Names New Chairman/Board of Directors

(Tie) (10) Leasing 102 by Mr. Terry Winders, CLP
Consumer Leasing”

John Kenny Receivables Management

• End of Lease Negotiations & Enforcement• Fraud Investigations
• Credit Investigations • Asset Searches 
• Skip-tracing • Third-party Commercial Collections | ph 315-866-1167|

(Leasing News provides this ad as a trade for investigations
and background information provided by John Kenny)



Top Ten Computer and iPhone Passwords


1. password
2. 123456
3. qwerty
4. abc123
5. letmein
6. monkey
7. myspace1
8. password1
9. 654321
10. (your first name)

PC Magazine

Top iPhone Passwords

1. “1234”
2. “0000”
3. “2580”
4. “1111”
5. “5555”
6. “5683”
7. “0852”
8. “2222”
9. “1212”
10. “1998”

Read more:

It was also noted that many save all their passwords in one file, named "passwords." It is the first file the hacker looks for.

Tips: Save passwords under a completely different name, plus have a printed list, in case you lose your digital phone, laptop, flagstick, or computer is stolen.

Two: Go to Google and search "Password" as there are many programs that will offer more secure codes or words to utilize.


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

Latin American Leasing Conference Nov 17-18
sponsored by The Alta Group

The IX Latin American Leasing Conference will explore industry trends and attract equipment leasing and finance professionals from Latin America, North America and Europe Nov. 17-18, 2011, at the Hotel Intercontinental Doral in Miami. The conference is sponsored by The Alta Group Latin American Region (LAR), with simultaneous English/Spanish translation provided.

Rafael Castillo-Triana, CEO of The Alta Group LAR, said industry leaders and Alta professionals will discuss specific challenges and opportunities in the marketplace, with emphasis on innovation. “Latin America’s leasing industry has been affected by the contraction of the global economy and regulatory issues, but overall by the structural changes in technology and global economy. While it is one of the world’s fastest growing equipment leasing and finance regions, it still leaves huge underexploited opportunities to invest in energy, transportation and telecommunications, and to innovate,” Castillo-Triana explained.

Topics will include the following:

  • An Overview of the State of the Industry in Latin America

  • The Future of the Leasing Industry in Brazil, Mexico, Chile, Colombia, Argentina, Peru and Central America, from the perspective of the practitioners

  • Changes in the Market, Driven by Innovation, Regulatory Challenges, Asset Management, Consolidation and Funding Challenges

  • Innovation in Information Technology: Financing Software, Cloud Computing and Cyber-Government

  • Energy Leasing (Renewable and Non-Renewable)

  • Innovation in Leasing for Transportation

  • Airplane and Railroad Leasing

  • Accounting Convergence: New Standards

  • Impact of Basel III and Capital Markets on Funding Leasing Companies

  • Vendor Programs, Residual Value Risks and Other Challenges

  • Professionals attending the conference will include leasing experts, consultants, funding sources, equipment manufacturers and vendors.

The URL is

Or contact Katrin Forster, associate of The Alta Group LAR, at telephone 954-632-0922.

About The Alta Group
The Alta Group is the equipment leasing and finance industry’s preeminent global consultancy, offering clients the unique combination of experience, expertise and executable counsel. The more than 80 executives worldwide have held senior management positions in public and private equipment leasing companies, manufacturers, banks and other financial services institutions. The Alta Group’s major practice areas include mergers and acquisitions; vendor and captive finance; legal support services, professional development; and management consulting. The firm is observing its 20th anniversary in 2011. To learn more, please visit

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


Minneapolis, Minnesota -- Adopt-a-Dog

Small, baby, female
white or cream

“Foxie is the only girl in this litter and she is one tough cookie. Sweet and loving, but tough enough to wrestle with her brothers and come out on top. Foxie is beautiful and fluffy and really cute. She likes to sit up on your neck and nuzzle you and clean your face and just have an all around good time. Foxie is potty pad trained. If you would like to get more info on Foxie, please contact her foster home at 831.724.1332 or email or”

CARE Companion Animal Rescue Effort, San Jose, CA

Adopt-a-Pet by Leasing Co. State/City

Adopt a Pet


The Differences Between Print and Internet Advertising
by Kit Menkin, editor/publisher

Unique to the World Wide Web are "banner" ads. Perhaps better known as an "online ad." In Web advertising, it is an image usually placed at the top of content pages that links to the advertiser's content page. The standard size for a "banner ad" is 468 pixels wide by 60 pixels tall. Often they "flash" to a second "banner" style.

In static pages, they also can "float" on various other pages, rather than appear at top. Often the position on top is an "extra" fee.

Google and others take it a step further and can position the ad to a story or site that the ad will get more attention, such if it is advertising dog food or dog accessories, it will appear in a story about dogs or an inquiry, and they can also get it down to a person who likes dogs, but is viewing an unrelated dog story.

In news additions, the banner ad is more a "branding ad, “such as "Drink Coca Cola" or "Wells Fargo and the stage coach." Most readers do not click on banner ads, which are their main purpose, as most are random on pages and readers view them more as a nuisance. The "flash" is to get attention.

You do not see many "banner ads" in print, although you may see small "display ads," but they are different. First the print media is subject to "space requirements" and the ad needs to fit the page. It usually is chosen to fit by size, although a position can be purchased for an extra fee. Usually, the larger the ad, the more attention it will attract.

This size concept does not follow on the World Wide Web, where the main goal is placement in a specific subject the reader is interested in. There is no placement due to being long, short, high, wide, or a size requirement, as a rule of thumb. Color is not an extra charge, as it is in print, or the ability to go to another site or page or pages.

The above is a good example of a large banner ad, 468W x 280H. It has all the best attributes of the World Wide Web. It not only makes a pitch, tells you what it can do, gives the person to contact, or web site, but you can click on and utilize it.

Each of the main aspects available, can also be clicked upon, as well as the list of "Last 20 Funder Deals" plus you can go to the website by clicking on it.

In addition to being placed in a story where it will draw more attention, the advertiser has entered into a program. They generally run three months in a row, then a month off, sometimes longer, and alternate between four different size ads, with one larger than the above, and the other two smaller, as well as the copy is different.

Other Display Advertisers generally have a longer contract from six months to a year to not only get a better price and rotation, but to emphasize other aspects to attract customers or make their product better known. Advanced Property Tax Compliance is a good example, with four rotating size ads from the small "banner" ad on top of this article to:

Why Choose Advanced Property Tax Compliance?

Dedicated to the leasing industry
click here to learn more. 

Hear What Our Clients say about us 
click here

Gary DiLillo, President 216-658-5618 or

Often special size ads are also available, similar to a "double-truck" in a newspaper, such as:

Internet Advertising also often uses video, such as a 15 second to 30 second television advertisement. Often the user can click the ad "off," or in other instances, for instance, before a story, they must watch the ad before what they have chosen begins.

A wide misunderstanding involves using "Photoshop" for designing internet ads. Most print media have specific "pica" or "inch" sizes. Sometimes they can be converted into a PDF or sometimes HTML software can convert it, but not all the time. The sizing by "pixel" is by the screen set-up, where the print media is decided by the size requirements of paper. In addition, almost always the internet ad is in color, where the cost is extra in print.

In print:

  • Your space is generally measured in inches.
  • You can be dealing with anything from a business card to a highway billboard.

  • You know the space allowed from the start and that your finished product will look the same to everyone who sees it.
  • You must have bleed and safety areas to guarantee print results.
  • Resolution for full-color is typically 330 DPI (dots per inch), creating a large file.

On the web:

  • You are measuring your space in pixels.
  • You are faced with a challenge…designing your ad to look the best on all size monitors and at all monitor resolutions.
  • File size is much smaller, as the web uses 72 DPI

These means what appears small and clean and pronounced in print, may not “on line” nor sharp designs or contracts work as well or at all “on line.”

You are also subject to the screen parameters that have been set upon your display on your computer, digital device, or laptop. Most often these are pre-set, but you can change them yourself by going to the control panel and choosing display and settings. You can change the color quality as well as the number of pixels. The more pixels, the sharper the image. But at the same time, on a monitor, the more pixels, generally the smaller the graphic and font will appear on your screen. The quality is higher, but what you see is smaller.

With the popularity of hand held digital devices, the ad layout becomes quite important; meaning, ads for digital devices are different than regular computer monitor ads. Screen settings are very important to remember. Banner ads are often too small to appreciate and the flash may be considered a nuisance.

In addition to looking at advertising as an annual “program,” not just a one time occurrence, understanding the differences between print and “on line” advertising should be seriously taken into consideration and not taken for granted that advertising in one media is the same as advertising in another.

Most print "Display" ads are for items on sale or announcing a sale or particularly appliance, automobile, clothing, computer, television. Today search sites bring you the best values, including up-to-date reviews.

At one time, newspaper classified ads were very popular but with the advent on the internet, specifically Craig's List as well as all the job listings available, this has changed

Some print ads do work on the World Wide Web, but they are more what are considered "institutional ads," such as:

The position of print ads may not just be position, but in a specific section such as “entertainment” or “sports,” where the ad will have more effect.

Newspapers, especially magazine, are read more than once, which is different than the internet which is “quick.” It means a reader may view the ad more than once as they re-read or read different articles. In addition, larger ads are quite effective and definitely attention getting, plus may list more items or have the David Oglivy approach to providing a lot of information which readers require.

In deciding how you are spending your advertising dollar, it should not be just the “dollar amount,” but looking at it as a “program” over a one year period.

Kit Menkin, editor/publisher

News Briefs---

More than 3 million without power after East Coast storm

In high-stakes unveiling, Nokia shows off first Windows phones

Steve Jobs' Final Words Revealed by Biological Sister



You May Have Missed---

100 years of Chevy: An improbable journey to American icon




Sports Briefs----


Ben Roethlisberger helps Steelers flip script on Patriots

49ers open up bag of tricks

Vick, McCoy lead Eagles' rout of Cowboys

Sacramento shelters taking drastic steps to get abandoned animals adopted

49ers hope to open new stadium a year early




California Nuts Briefs---

SF mayoral race defies description or prediction



“Gimme that Wine”

Sonoma County harvest winds down

Mother Nature stomps on U.S. wine harvest

Barreling Through Barolo

The Sale and Use of Cork Wine Closures Continue to Surge

Young wine makers make splash in Livermore Valley, California

Free Mobile Wine Program

Wine Prices by vintage

US/International Wine Events

Winery Atlas\

Leasing News Wine & Spirits Page


This Day in History

      “Mischief Night”, not celebrated as it was when I was a child: on the evening before Halloween and an occasion for harmless pranks, chiefly observed by children. However, in some areas of the US, the destruction of property and endangering of lives has led to the imposition of dusk-to-dawn curfews during the last two or three days of October. Not to be confused with “Trick or Treat,” or “Beggar's Night,” usually observed on Halloween.
    1734- birthday of John Adams, second president of the US (term of office: Mar 4, 1797—Mar 3, 1801), had been George Washington's vice president, and was the father of John Quincy Adams (6th president of the US). Born at Braintree, MA, he once wrote in a letter to Thomas Jefferson: “You and I ought not to die before we have explained ourselves to each other.” John Adams and Thomas Jefferson died on the same day, July 4,1826, the 50th anniversary of adoption of the Declaration of Independence. Adams's last words: “Thomas Jefferson still survives.” Jefferson's last words: “Is it the fourth?”
    1768 -The Wesley Chapel on John Street in New York City was dedicated. It was the first Methodist church building to be erected in the American colonies, and was restored in 1817, and again in 1840.
    1815-Birthday of José Manuel Gallegos was born in Spanish colonial Mexico, in the town of Abiquiú, Nuevo México. Suspended from the priesthood for refusing to accept the authority of French religious superior, Bishop Jean Baptiste Lamy (who became the subject of Willa Cather's novel, Death Comes for the Archbishop), Gallegos put increasing energy into his political life. Subsequently, he was elected to the New Mexico Territorial House of Representatives, served as treasurer of the territory, and was superintendent of New Mexico Indian affairs. Gallegos returned to the U.S. House of Representatives for a second term in 1871.
    1838 -- The Mormon War of Missouri ended when over 200 state militiamen attacked the LDS settlement of Huan's Mill. Eighteen Mormons were killed, and a dozen wounded, in reprisal for Mormon militia attacks on several communities since August of that year. Joseph Smith then led his followers to Illinois.
    1862-Yellow fever hits the Union Army .Union General Ormsby MacKnight Mitchell, commander of the Department of the South, is one of those who dies; at Beaufort, South Carolina. Born in Kentucky in 1809, Mitchell grew up in Lebanon, Ohio. He attended West Point and graduated in 1829 along with future Confederate leaders Joseph Johnston and Robert E. Lee. When the war erupted in 1861, Mitchell used his West Point education as a brigadier general in the Army of the Ohio under General Don Carlos Buell and participated in operations in Kentucky and Tennessee in 1862. Mitchell also directed raids into northern Alabama, capturing Huntsville in April 1862. Mitchell was a critic of the "soft war," or limited approach, of many northern generals, and his actions made him a target of conservative northern newspapers. Advocating a tougher stance against Southern civilians and the institution of slavery, he confiscated the property of prominent Confederates and protected slaves who escaped to his lines well before the practice was mandated by Federal policy. In July 1862 he was named commander of the Department of the South. He moved to headquarters on the Sea Islands of South Carolina, where he oversaw the building of schools and homes for slaves in the captured territory. This movement, begun by his predecessor, General David Hunter, is considered the first experiment in the reconstruction of the South. However, Mitchell's death from yellow fever cut short his participation in the experiment.
    1864- Nevada became the 36th state. Anxious to have support of the Republican-dominated Nevada Territory for President Abraham Lincoln's reelection, the U.S. Congress quickly admits Nevada as the 36th state in the Union. In 1864, Nevada had only 40,000 inhabitants, considerably short of the 60,000 normally required for statehood. But the 1859 discovery of the incredibly large and rich silver deposits at Virginia City had rapidly made the region one of the most important and wealthy in the West. The inexpert miners who initially developed the placer gold deposits at Virginia City had complained for some time about the blue-gray gunk that kept clogging up their gold sluices. Eventually several of the more experienced miners realized that the gunk the gold miners had been tossing aside was actually rich silver ore, and soon after, they discovered the massive underground silver deposit called the Comstock Lode. The decisive factor in easing the path to Nevada's statehood was President Lincoln's proposed 13th Amendment banning slavery. Throughout his administration Lincoln had appointed territorial officials in Nevada who were strong Republicans, and he knew he could count on the congressmen and citizens of a new state of Nevada to support him in the coming presidential election and to vote for his proposed amendment. Since time was so short, the Nevada constitutional delegation sent the longest telegram on record up to that time to Washington, D.C., containing the entire text of the proposed state constitution and costing the then astronomical sum of $3,416.77.Their speedy actions paid off with quick congressional approval of statehood and the new state of Nevada did indeed provide strong support for Lincoln. On January 31, 1865, Congress approved the 13th Amendment to the U.S. Constitution banning slavery. 
    1864- The town of Helena, Montana, is founded by four gold miners who struck it rich at the appropriately named "Last Chance Gulch." The first major Anglo settlement of Montana had begun just two years before in the summer of 1862, when prospectors found a sizeable deposit of placer gold at Grasshopper Creek to the west. When other even richer deposits were soon discovered nearby, a major rush began as tens of thousands of miners scoured the territory in search of gold. In 1864, four prospectors spotted signs of gold in the Helena area while on their way to the Kootenai country, but they were eager to reach the reportedly rich gold regions farther to the north and did not to stop. But after striking out on the Kootenai, they decided to take "one last chance" on finding gold and returned. When the signs turned out to mark a rich deposit of placer gold, they staked their claims and named the new mining district Last Chance Gulch. Eventually, Last Chance Gulch would prove to be the second biggest placer gold deposit in Montana, producing some $19 million worth of gold in just four years. Overnight, thousands of miners began to flood into the region, and the four original discoverers added to their fortunes by establishing the town of Helena to provide them with food, lodging, and supplies. But unlike many of the early Montana mining towns, Helena did not disappear once the gold gave out, which it inevitably did. Located on several major transportation routes, well supplied with agricultural products from an adjacent valley, and near to several other important mining towns, Helena was able to survive and grow by serving the wider Montana mining industry. In 1875, the city became the capital of Montana Territory, and in 1894, the capital of the new state of Montana.
    1872- Emily Post was born at Baltimore, MD. Published in 1922, her book Etiquette: The Blue Book of Social Usage instantly became the American bible of manners and social behavior and established Post as the household name in matters of etiquette. It was in its 10th edition at the time of her death Sept 25,1960, at New York, NY. Etiquette inspired a great many letters asking Post for advice on manners in specific situations. She used these letters as the basis for her radio show and her syndicated newspaper column, which eventually appeared in more than 200 papers.
    1882-Birthday of William “Bull” Halsey, American admiral and fleet commander who played a leading role in the defeat of the Japanese in the Pacific naval battles of WWII, William Halsey was born at Elizabeth, NJ. In April 1942, aircraft carriers under his command ferried Jimmy Doolittle's B-25s to within several hundred miles of Japan's coast. From that location the aircraft were launched from the decks of the carriers for a raid on Tokyo. In October 1942, as commander of all the South Pacific area, Halsey led naval forces in the defeat of Japan at Guadalcanal, and in November 1943, he directed the capture of Bougainville. He supported the landings in the Philippines in June 1944. In the great naval battle of Leyte (Oct 23—25,1944
    1888-The ball-point pen was patented by John J. Loud of Weymouth, MA. The patent was on a pen having a spheroidal marking point capable of revolving in all directions.
    1893-Birthday of Charles Atlas, bodybuilder born Angelo Siciliano at Acri, Italy. Atlas created a popular mail order bodybuilding course, pegged to his own youthful troubles as a “97-lb weakling.” The legendary sand-kicking episode used later in advertising for his course occurred at Coney Island when a lifeguard kicked sand in Atlas's face and stole his girlfriend. There generations of comic book fans read his advertisements. Died at Long Beach, NY, December 24, 1942
    1893-After a rousing success, the Columbian Exposition held “American Cities Day” Oct 28, and Chicago Mayor Carter Harrison gave a speech before the visiting mayors. This was the highlight of the greatest new technology in America and hope was the economy would turn around. After he arrived home, Harrison's doorbell rang. When the mayor answered the door he was shot by Patrick Eugene Pendergast, who had been disappointed when his request for a Position with the city as corporation counsel was turned down. Instead of the elaborate ceremony that had been planned to close the exposition on Oct 30, a single speech was given and the flags lowered to half-mast.
    1894- Daniel M. Cooper of Rochester, NY, received a patent for a card time recorder. The employee pressed a lever on the machine to record the time on specially printed cards divided by horizontal lines into seven equal spaces for the days of the week. The recorder, known as the Rochester, was manufactured by the Willard and Frick Manufacturing Company.
    1917-The first US Navy chaplain who was Jewish was Rabbi David Goldberg of Corsicana, TX, who was appointed with the rank of lieutenant. He was advanced to lieutenant commander on January 1,1938, and retire don March 1, 1941.
    1919--BUTTON, WILLIAM ROBERT Medal of Honor
Rank and organization: Corporal, U.S. Marine Corps. Entered service at: St. Louis, Mo. Born: 3 December 1895, St. Louis, Mo. G.O. No.: 536, 10 June 1920. Citation: For extraordinary heroism and conspicuous gallantry and intrepidity in actual conflict with the enemy near Grande Riviere, Republic of Haiti, on the night of 31 October_l November 1919, resulting in the death of Charlemagne Peralte, the supreme bandit chief in the Republic of Haiti, and the killing, capture and dispersal of about 1,200 of his outlaw followers. Cpl. William R. Button not only distinguished himself by his excellent judgment and leadership but also unhesitatingly exposed himself to great personal danger when the slightest error would have forfeited not only his life but the lives of the detachments of Gendarmerie under his command. The successful termination of his mission will undoubtedly prove of untold value to the Republic of Haiti. 
    1925-Birthday of tenor sax player/composer/arranger/producer Teo Macero, Glens Falls, NY.
    1930 – The great trumpet player Clifford Brown Birthday .Died June 26, 1956
    One of his finest albums:

    1930 -- Duke Ellington records "Mood Indigo".
    1935- Woody Herman cuts first vocals with Isham Jones Band
    1938- “War of the Worlds” was broadcast as part of a series of radio dramas based on famous novels, Orson Welles with the Mercury Players produced H.G. Wells's War of the Worlds. Near panic resulted when listeners believed the Simulated news bulletins, Which described a Martian invasion of New Jersey, to be real. People went into a panic as they believed the world was invaded and the end was near.
    1941-The U.S. destroyer “Reuben James” was torpedoed and sunk off the coast of Iceland by a German submarine during the night of October 30-31. Some 100 lives were lost. It was the first American warship to be sunk in the war. Despite the passage of “Lend Lease” in support of Britain and other “free” countries in Europe, congress and the United States did not want to enter a war they thought “European.” This attitude lost many lives and war preparation. The fact is December 8th the US declared war against Japan due to its sneak attack at Pearl Harbor, which wiped out most of the Pacific Navy force. On December 11, in obvious collusion, Germany and Italy declared war against the U.S. and Congress adopted a resolution recognizing a state of war.
    1945- June Christy, with Stan Kenton, records “Just A-Sittin' and A-rockin'.
    1946—Top Hits
Five Minutes More - Frank Sinatra
South America, Take It Away - Bing Crosby & The Andrews Sisters
Rumors are Flying - The Frankie Carle Orchestra (vocal: Marjorie Hughes)
Divorce Me C.O.D. - Merle Travis
    1954 ---Top Hits
Hey There - Rosemary Clooney
Shake, Rattle and Roll - Bill Haley & His Comets
Smile - Nat King Cole
More and More - Webb Pierce
    1960--The Elvis Presley LP "G.I. Blues" enters the Billboard Hot 200, where it will rise to number one and stay there for six weeks. It will finally fall of the chart 111 weeks later, making it the longest charting album of Elvis' career. 
    1962---Top Hits
Monster Mash - Bobby “Boris” Picket
He's a Rebel - The Crystals
Only Love Can Break a Heart - Gene Pitney
Mama Sang a Song - Bill Anderson
    1962--Elvis Presley's 11th film, Girls! Girls! Girls! premiered in Honolulu, Hawaii. 
    1964--The Supremes achieve their second Billboard number one single with "Baby Love". Just four months earlier, other artists at Motown Records referred to them as "the no-hit Supremes." 
    1964 - Roy Orbison went gold with his hit single, "Oh, Pretty Woman".
    1964-Twenty-two-year-old Cassius Clay, who later changed his name to Muham­mad All, became world heavyweight boxing champion by defeating Sonny Liston. All was well known for both his fighting ability and his personal style. His most famous saying was “I am the greatest!” Convicted of vio­lating the Selective Service Act in 1967, he was stripped of his title; the Supreme Court reversed the decision, though, in 1971. Au was the only fighter to win the heavyweight boxing title three separate times (and he defended that title nine times) until Evander Holyfield defeated Mike Tyson in 1996.
    1966--WILLIAMS, JAMES E. Medal of Honor
Rank and organization: Boatswain's Mate First Class (PO1c.), U.S. Navy, River Section 531, My Tho, RVN, Place and date: Mekong River, Republic of Vietnam, 31 October 1966. Entered service at: Columbia, S.C. Born: 13 June 1930, Rock Hill, S.C. Citation: For conspicuous gallantry and intrepidity at the risk of his life above and beyond the call of duty. PO1c. Williams was serving as Boat Captain and Patrol Officer aboard River Patrol Boat (PBR) 105 accompanied by another patrol boat when the patrol was suddenly taken under fire by 2 enemy sampans. PO1c. Williams immediately ordered the fire returned, killing the crew of 1 enemy boat and causing the other sampan to take refuge in a nearby river inlet. Pursuing the fleeing sampan, the U.S. patrol encountered a heavy volume of small-arms fire from enemy forces, at close range, occupying well-concealed positions along the river bank. Maneuvering through this fire, the patrol confronted a numerically superior enemy force aboard 2 enemy junks and 8 sampans augmented by heavy automatic weapons fire from ashore. In the savage battle that ensued, PO1c. Williams, with utter disregard for his safety exposed himself to the withering hail of enemy fire to direct counter-fire and inspire the actions of his patrol. Recognizing the overwhelming strength of the enemy force, PO1c. Williams deployed his patrol to await the arrival of armed helicopters. In the course of his movement his discovered an even larger concentration of enemy boats. Not waiting for the arrival of the armed helicopters, he displayed great initiative and boldly led the patrol through the intense enemy fire and damaged or destroyed 50 enemy sampans and 7 junks. This phase of the action completed, and with the arrival of the armed helicopters, PO1c. Williams directed the attack on the remaining enemy force. Now virtually dark, and although PO1c. Williams was aware that his boats would become even better targets, he ordered the patrol boats' search lights turned on to better illuminate the area and moved the patrol perilously close to shore to press the attack. Despite a waning supply of ammunition the patrol successfully engaged the enemy ashore and completed the rout of the enemy force. Under the leadership of PO 1 c. Williams, who demonstrated unusual professional skill and indomitable courage throughout the 3 hour battle, the patrol accounted for the destruction or loss of 65 enemy boats and inflicted numerous casualties on the enemy personnel. His extraordinary heroism and exemplary fighting spirit in the face of grave risks inspired the efforts of his men to defeat a larger enemy force, and are in keeping with the finest traditions of the U.S. Naval Service.
    1967--*PITTS, RILEY L. Medal of Honor
Rank and organization: Captain, U.S. Army, Company C, 2d Battalion, 27th Infantry, 25th Infantry Division. Place and date: Ap Dong, Republic of Vietnam, 31 October 1967. Entered service at: Wichita, Kans. Born: 15 October 1937, Fallis, Okla. Citation: Distinguishing himself by exceptional heroism while serving as company commander during an airmobile assault. Immediately after his company landed in the area, several Viet Cong opened fire with automatic weapons. Despite the enemy fire, Capt. Pitts forcefully led an assault which overran the enemy positions. Shortly thereafter, Capt. Pitts was ordered to move his unit to the north to reinforce another company heavily engaged against a strong enemy force. As Capt. Pitts' company moved forward to engage the enemy, intense fire was received from 3 directions, including fire from 4 enemy bunkers, 2 of which were within 15 meters of Capt. Pitts' position. The severity of the incoming fire prevented Capt. Pitts from maneuvering his company. His rifle fire proving ineffective against the enemy due to the dense jungle foliage, he picked up an M-79 grenade launcher and began pinpointing the targets. Seizing a Chinese Communist grenade which had been taken from a captured Viet Cong's web gear, Capt. Pitts lobbed the grenade at a bunker to his front, but it hit the dense jungle foliage and rebounded. Without hesitation, Capt. Pitts threw himself on top of the grenade which, fortunately, failed to explode. Capt. Pitts then directed the repositioning of the company to permit friendly artillery to be fired. Upon completion of the artillery fire mission, Capt. Pitts again led his men toward the enemy positions, personally killing at least 1 more Viet Cong. The jungle growth still prevented effective fire to be placed on the enemy bunkers. Capt. Pitts, displaying complete disregard for his life and personal safety, quickly moved to a position which permitted him to place effective fire on the enemy. He maintained a continuous fire, pinpointing the enemy's fortified positions, while at the same time directing and urging his men forward, until he was mortally wounded. Capt. Pitts' conspicuous gallantry, extraordinary heroism, and intrepidity at the cost of his life, above and beyond the call of duty, are in the highest traditions of the U.S. Army and reflect great credit upon himself, his unit, and the Armed Forces of his country. 
    1967 – The Supreme Court upholds the contempt-of-court convictions of Dr. King and seven other black leaders who led the 1963 marches in Birmingham. Dr. King and his aides enter jail to serve four-day sentences. "I must confess that over the last few years I have been gravely disappointed with the white moderate. I have almost reached the regrettable conclusion that the Negro's great stumbling block in the stride toward freedom is not the White Citizen's Council-er or the Ku Klux Klanner, but the white moderate who is more devoted to "order" than to justice; who prefers a negative peace which is the absence of tension to a positive peace which is the presence of justice; who constantly says "I agree with you in the goal you seek, but I can't agree with your methods of direct action;" who paternalistically feels he can set the timetable for another man's freedom; who lives by the myth of time and who constantly advises the Negro to wait until a "more convenient season." Shallow understanding from people of goodwill is more frustrating than absolute misunderstanding from people of ill will. Lukewarm acceptance is much more bewildering than outright rejection." — Dr. Reverend Martin Luther King, Jr., "Letter from the Birmingham Jail", 1963
    1967 -- Benefit at the Fillmore for KPFA radio station. Pink Floyd and the Sopwith Camel performed.
    1970---Top Hits
I'll Be There - The Jackson 5
We've Only Just Begun - Carpenters
Fire and Rain - James Taylor
Run, Woman, Run - Tammy Wynette
    1970---James Taylor's album "Fire and Rain" is certified Gold just as the single reaches #3 in the US. 
    1972 -- Worst US rail accident in 14 years; 45 die in Chicago.
    1974- Muhammad Ali regained the heavyweight title by knocking out defending champion George Foreman in the eight round of a fight in Kinshasa, Zaire, first heavyweight championship fight ever held in Africa. Ali was named fighter of the year1976 by Ring magazine.
    1975- Winger Johnny Bucyk of the Boston Bruins scored the 500th goal of his career in a 3—2 Bruins' victory over the St. Louis Blues. Bucyk finished his career with 556 goals and entered the Hockey Hall of Fame in 1981
    1975--Queen's "Bohemian Rhapsody" was released as a single. It would stay on the chart for seventeen weeks, nine of them at number one and would eventually go platinum. The song would be re-released in December, 1991 after being featured in the movie Wayne's World and became a hit all over again. 
    1976 -Dr. Joseph H. Evans was elected president of the United Church of Christ. It made him the first African-American leader of this predominantly white denomination.
    1976 - The group, Chicago, started its second (and final) week at number one on the pop singles charts with, "If You Leave Me Now". The hottest LP was Stevie Wonder's "Songs in the Key of Life". The album was number one for a total of 14 weeks.
    1976 -Jane Pauley becomes news co-anchor of the Today Show.
    1978---Top Hits
Hot Child in the City - Nick Gilder
You Needed Me - Anne Murray
Reminiscing - Little River Band
Let's Take the Long Way Around the World - Ronnie Milsap
    1979-Richard Arrington elected first Black mayor of Birmingham, Alabama.
    1984 - Barry Manilow opened at Radio City Music Hall, New York. His concerts sold out to the tune of $1.9 million, besting (by $100,000) the record set by Diana Ross.
    1984 - Dan Ackroyd and John Belushi, aka The Blues Brothers (Jake and Elwood), hit the two-million-dollar sales mark with their LP, "Briefcase Full of Blues".
    1986---Top Hits
True Colors - Cyndi Lauper
Typical Male - Tina Turner
I Didn't Mean to Turn You On - Robert Palmer
Cry - Crystal Gayle
    1996- IBM subsidiary Lotus said it would include a Web browser in its Lotus Notes software, a popular groupware program that allowed users to share data and collaborate on documents. The browser would allow users to store Web pages and work with them offline. In a surprise takeover, IBM had purchased Notes in July 1995, in an attempt to shore up its offerings in networking and Internet software. The takeover was the largest-ever deal for a software company. Companies such as System1,later to become CapitalStream, partnered with Lotus notes and offered a “seamless” technology from application to funding and documents via the Web through Nation's Capital ( never got off the prototype stages as leasing companies fought having their documents shared in System1 software.)
    2001- Matt Williams becomes the first player in World Series history to hit home runs with three different teams. He homered in the Fall Classic for the Indians in 1997 and the Giants in 1989.




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?



Daily Puzzle

How to play:

Refresh for current date:






See USA map, click to specific area, no commercials



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



Independent, unbiased and fair news about the Leasing Industry.

Editorials (click here)

Ten Top Stories each week chosen by readers (click here)


Adopt a Pet
Bank Beat
Career Crossroads
Charlie Chan sayings
Computer Tips
Employment Web Sites
Fernando's Review
From the Desk of Michael Witt, Esq.
Leasing 102
Online Newspapers
Sales Make it Happen
The Secret of Our Success
To Tell the Truth
View from the Top

Top Stories

(chronological order)

- Are They Licensed in California to Dispense Cash
- SBA Major Revisions
- Rosanne Wilson, CLP, Final Cancer Test
- Top 50 Banks
- AT&T Capital to Double 18 months, Triple Capacity 3 years
- FASB Delay Not New Alert
  by Shawn Halladay, The Alta Group
- Puget Sound Leasing Jury Verdict In---No One Wins
- Chris Walker Chicago Marathon Results--“Thank You, Industry”
 Hugh Swandel Raised Most Funds as Individual in Marathon
- Swandel Elected President of NEFA
  To Lead Association Out of Credit-Crisis Era
- Only Eight Sentenced in Operation Lease Fleece--Why?
- Vendor Bruce Donner Pleads Guilty in Allied Health Care Scheme
- Who Has Not Responded on Evergreen Clauses
   by Christopher Menkin
- Bulletin Board Complaint Procedure---Up-Date
- Retaining Advance Deposits and Rentals

  and Jeffrey Maricle of Global Funding
#1 Individual Fund Raiser for Chris Walker Chicago Marathon
- A California Leasing Gypsy Arrested by Costa Mesa Police
- ABCO Leasing Calls it Quits
- Survey of Evergreen Clauses
- Where Am I Going to Go with This? Who will take it?
- iFinancial Group, San Clemente, California
- Background of First Trillion Funding
- American Bank Leasing No Longer Funding New Business
- Rosanne Wilson, CLP, Back at Work
- Jules and Associates, Los Angeles, California
    Bulletin Board Complaint
- Dwight Galloway's RLC Funding Up and Running---but California
- Responses to Working with a Smaller Bank Question
- Leasing Gypsies
- Depping Secedes from the Government Banking Regulators
- NorVergence’s Tom Salzano on Trial in Louisiana
- Dwight Galloway's RLC Funding Up and Running---but California
- Responses to Working with a Smaller Bank Question
- Sheldon Player et. al. Back to the IRS
- More on Chase Industries Embezzlement
- New Jersey Bankruptcy Court Slams Lender for Usury

     by Thomas E. McCurnin & Frank Peretore
- Ed Castagna's InPlaceAuction joins
     On Line Equipment Auction List
- President and CFO of HL Leasing Found Liable Ponzi scheme
- Steve Hudson Back on the Lease Hunt
  Is He Coming to the United States?
- President and CFO of HL Leasing Found Liable Ponzi scheme
- Where in the World is Loni Lowder of ACC Capital?
- Leasing hiring index falls in Q2 after six straight quarters of growth
- More on Brendan Messenheimer Sentencing
  CFA to Merge with NFA
- Tom Price/Hyun Um $200/$400 Million BK
   with charges of Scam
- Somehow I missed our “On Line” Anniversary
- Shawn Halladay Explains More on Ending of Leverage Leasing
- IASB 'on way' to being global accounting standard
- Menzel in his own words admits policy on Evergreen Clauses
- Companies who notify lessee in advance of lease expiration
  and require their discounter to also notify lessee in advance
- "The courts define what is fraud, not you or anyone else”
   by Bernie Boettigheimer, CLP
- Hugh Swandel Joins Leasing News Advisory Board
- Leasing CFO Pleads Guilty $1.2 million embezzlement
- John Torbenson Celebrates 43rd Year in Leasing business
- How Much Can A FREE Repossession Cost?
- Marlin with 97 Salesmen Still Relies on Evergreen for Profit
- Newport Financial Partners, Newport Beach, California
   Bulletin Board Complaint
- Add Wisconsin to Notification Requirement Evergreen
- Crit DeMent---May Be Turning a New Leaf
- California Licenses and Checking Them
- Automatic Renewals: The States Respond
  by Barry Marks, Esq.
- C&J Leasing Convicted $8 million Lease Discount Scheme
  Day Trading Lead to his Demise
QuikTrak and others now being sued
- "Vendor Verification" hits Pay dirt on First Inspection
- Balboa Capital : Court Bypasses Lessor's Forum Clause
   as a Result of Forgery
- Unlicensed Lender & Securitization Partners get tagged for Usury
- Direct Capital Releases FinanceQuote App to Simplify Vendor Finance
- Caution! Look Out for Vendors!
- Royal Links Appeal Rules Back to Trial
   by Tom McCurnin
- More Top Leasing Web Sites
- Top Ten Cities with the Highest Credit Scores
- OneSource Develops Business License Software
- Talk About Chutzpa, Fanghella has more than Trump
- Richest Man in Leasing: Steven Udvar-Hazay
- From Zero to over $450 Million in One Year
- License Up-Date for Leasing in United States
- Loan/Lease Statute Up-Date
- Church Kiosk Fray---Comes back to bite Balboa on the...
- Brican America---Update
- Vaughn Indicted for defrauding banks, leasing companies
- Wildwood employees get prison for Leasing Ponzi scheme
- IFC Credit Corporation BK—Up-date
- De Lage Landen: A Teachable Moment by Bernie Boettingheimer, CLP
- Leasing News Position on Evergreen and Winter Green Leases
- I should have called Lease Police!
   by Christopher Menkin
- PinnFund/PinnLeasing Michael Fanghella Out of Jail Seeks $150,000 Job
- Three Class Action Suits re: Brican America
- Verifying Tax Returns
- Starting a Leasing Company-Four Parts
   by Mr. Terry Winders, CLP
- Free Mobile Wine Program
- Special Report: Part I
   Could Church Kiosks, Royal Link Carts, NorVergence results been avoided?

   The use of “Equipment Finance Agreements”
- Special Report: Part II
    Bank of the West

   Equipment Lease Agreement (EFA)
- California License Web Addresses