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Leasing News is a web site that posts information, news, and
entertainment for the commercial bank, finance and leasing industry


Thursday, October 10, 2013

Today's Equipment Leasing Headlines

Top Five Leasing Company Web Sites in North America
 by Christopher Menkin
  Classified Ads---Operations
Private Sector & Credit Unions Move into Loan Business
 by Christopher Menkin
  NAELB Adds 12 New Members in September
            Dan Burgos Newest Certified Leasing Professional
 New Hires—Promotions
  Classified Ads---Help Wanted
    ELFA October 20th Convention On Line Reservation Closed
    ---Faxing Reservation Still Available
Revenue and Regulatory Pressures Persist in Q 3
 for Big Banks, NIM ---Special SNL Financial Report
  by Kevin Dobbs and Marshall Schraibman
   UCC Article 9 survey
    by Corporation Service Company
      Buenos Aires, Argentina 2nd Annual Leasing Conference
      Sudhir Amembal Keynote Speaker
 Equipment Leasing & Finance U.S. Economic Outlook
  ---Fourth Quarter Summary
  Report by Equipment Leasing & Finance Foundation
    Fleet Financing Resources Honored With Funding Achievement Award
from Wells Fargo Equipment Finance
 Film/DVD Reviews by Leasing News’s Fernando Croce
  Gravity/A Touch of Sin, A Touch of Sin
   Pacific Rim/Much Ado About Nothing/The Stranger
        Labrador Retriever
        Stratham, New Hampshire Adopt-a-Dog
News Briefs---
Shutdown cutting off loans for small businesses
 Psychiatrists Deeply Concerned For 5% Of Americans Who Approve Of Congress
  Many community banks still struggle to repay TARP bailout funds
   Canadian Laurentian Bank Moves into Equipment Leasing
     Obama nominates Janet Yellen to lead Fed
      HP making good progress, CEO Meg Whitman assures analysts

Broker/Funder/Industry Lists | Features (collection)
Top Ten Stories Chosen by Readers | Top Stories last six months (Be Careful of Doing Business)

  You May have Missed---
   SparkPeople--Live Healthier and Longer
    Sports Briefs---
      California Nuts Brief---
       "Gimme 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.

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Top Five Leasing Company Web Sites—
in North America
by Christopher Menkin

Top Five Sites Under 300

(The lower the rating, the higher of the list of web sites visited
the most, according to
US Alexa Traffic Rating: 71,977
WWW: 239,361
Sites Linking in: 476

Note the world wide rating. Not only the best rating of finance and leasing companies, but also worldwide quite a following. Perhaps it is because CIT is known as following "The Heart of the U.S. Economy."
US Alexa Traffic Rating: 103,237
WWW: 356,302
Sites linking in: 275

Site is "interactive," not just a "brochure." Also active in various social media as well as press releases regarding leasing and other economic reports. Portsmouth, New Hampshire is leading the way in technology and innovations, particularly in securing vendor business.
US Alexa Traffic Rating: 114,309
WWW: 318,820
Sites Linking in: 210

Balboa Alexa ratings have gotten better since the July report and perhaps because it is quite active on LinkedIn, as well as other social networks, plus issues press releases often, mostly on the many trade shows they attend. The web site is excellent competition to Direct Capital and obviously a lot of attention goes into its production. The company still has many complaints posted in the Leasing News Bulletin Board as well is on the Evergreen abuse list:, quite a contrast with Direct Capital.
US Alexa Traffic Rating: 178,059
WWW: 1,381,306
Sites Linking In 26

Marlin's stock has been doing very well and company reports a profit; however, much of this profit comes from the extra payments on leases, according to their SEC filings--primarily copiers:

Their bank as well as "partnership" with Union Bank has brought them much vendor business, such as the latest of $0 down, 0% interest for Electric Vehicle Charging Stations
US Alexa Traffic Rating: 242,627
WWW: 1,367,811
Sites Linking in: 102

The company is doing very well with a high rated portfolio. Perhaps the other competition from other web sites has dropped its rating, especially noticeable in social media.

Should note most bank leasing companies are under their bank web sites, so individual ratings are not available, although some are not, such as Key Equipment Finance: ranked 12,078,743 US/ 9,382,040 WWW. Companies in Canada, such as received 1,747,077 in US and WWW: 5,574,453.



Classified Ads---Operations

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

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Have 10+ years in readying Lease Origination Documentation, Litigation case mgmt., Collection, Repossession, Remarketing, complete Discovery and Interrogatories, attend Trials and Mediation, prepare and submit SAR’s, translate for Spanish speaking customers, clients and employees, monitor high risk accounts for monetary penalties, bankruptcy management. Email: BRFR@ATT.NET

Free Posting for those seeking employment in Leasing:

All “free” categories “job wanted” ads:


Private Sector and Credit Unions Move into Loan Business
by Christopher Menkin

Leasing News has been reporting how deposits have been up at banks, branches being cut back and at the same time, new ones are much smaller as mobile banking and technology is replacing the need for so many retail stores. At the same time, as deposits have been going up, loans are down, according to SNL Financial: $200 billion below a second-quarter 2008 peak.

As private groups move more into the bank lending market place with "payday loans" and "business loans" at higher rates and very fast decision, another player growing in the marketplace are credit unions---and with not only competing bank rates, often lower. SNL Financial reports loans at credit unions have grown 72.52% to $621.27 billion as of June 30 from $360.12 billion, a decade-ago--- and at very competitive rates for borrowers.

SNL Financial also reports deposits for credit unions have grown 73.53% during the same time to $921.51 billion as of June 30 from $531.03 billion a decade ago.


Working Capital Loans $10,000-$250,000


NAELB Adds 12 New Members in September

Brahma Lending and Leasing - Burley, ID
BW Capital Solutions - Carlsbad, CA
Crestpoint Capital, Inc. - Parker, CO
First Capital Partners, LLC dba First Financial - Santa Ana, CA
LeaseQ, Inc. - Woburn, MA
Leasing Specialists, Inc. - South Heights, PA
Lewin & Associates, Inc. - Dunedin, FL
Multi Vision Financial - Long Beach, CA
Sunset Capital LLC - Centennial, CO
West Bay Leasing Services, LLC - Lake Crystal, MN
Law Offices of Kenneth Charles Greene - Westlake Village, CA
Boca Leasing Center, Inc. - Boca Raton, FL

Total Membership


Dan Burgos Newest CLP
Assistant Vice-President
Ascentium Capital

Dan Burgos Newest CLP
Assistant Vice-President
Ascentium Capital

Mr. Burgos becomes the fifth Certified Lease Professional at Ascentium Capital:

1. Chris Cooper, CLP
2. Bob Fisher, CLP
3. Cliff McKenzie, CLP
4. Hernan Traversone, CLP

"This is a very important step for me on my journey and commitment to better serve my organization and our customers by being the best that I can be," he said. . By actively participating within the CLP organization and learning from those that have laid the groundwork before me, I hope to justify my inclusion into this distinguished group of professionals and contribute to its success and growth, for a chain is only as strong as its weakest link.

“I am honored and excited to be joining a very select group of professionals that adhere to the high standards and ethics of the CLP foundation."

Why I Became a CLP


Classified Ads---Help Wanted

Sales Account Executives
Jacksonville, FL/Philadelphia, PA
Small Ticket funder with broad funding and
exceptional vendor service capabilties.
E-mail resume to:

Navitas Lease Corp is an innovator in the Small Ticket Leasing
Industry.  We offer solutions to small-to-medium sized businsses
looking to acquire and finance equipment.


Software Programmer
Fort Collins, Colorado

SQL & .Net programmer for Vision Commerce
Platform, Min. 2yr. exp.,Bachelor’s degree
---or Course Work in related field
Click here for more information
-Est. 1982, specializing in the under $75,000
marketplace to smaller, closely-held businesses--



5 positions available in our Calabasas office:
Account Executives (2), Funding Coordinator
Credit Analyst, Marketing Administrator

Generous Compensation Packages including benefits.


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

Please see our Job Wanted section for possible new employees.


New Hires—Promotions

Michael Coon named Vice President, LCA Financial LLC at Lease Corporation of America, Greater Grand Rapids, Michigan Area. Previously he was vice president, equipment finance and leasing division, TAB Bank (October, 2011-July, 2013). vice president, Orion First Financial (February, 2011-September, 2011), managing member, Aurora Management Group, LLC (January, 2010-January, 2011), executive vice president, Enterprise Funding Group (January, 2001-December, 2009), vice president, business development, Enterprise Capital Corp (February, 1996-December, 2000), retail loan business development officer, FMB-First Michigan Bank (April, 1993-Feburary, 1996). National Equipment Finance Association (board member, 2012-2015), Equipment Leasing and Finance Association, funding source member.

Wayne Evans has joined eLease Funding; he is based out of Benicia, California. Previously he was an independent as well as worked for Westover Financial and Golden Gate Funding, based in San Francisco, California. University of Washington (1965 – 1971).

Tyson Garrett, regional market manager (West), for Pawnee Leasing/Windset Capital Corporation. He joined Pawnee August, 2011. Member National Association of Equipment Leasing Brokers.

Randy Kilpatrick hired as senior business development manager, Marlin Business Services, Dallas/Fort Worth area. Previously he was regional sales manager, Balboa Capital (June, 2010-September, 2013), v.p. of leasing services, Sigma Capital Group (December, 2009-June, 2010), regional sales manager, Key Equipment Finance (July, 2005-Setpember, 2009), owner/president, Aspara, LLC (April, 2003-July, 2005), business development manager, Irwin Business Finance (October, 2002-April, 2003), business development manager, ABB Business Finance (January, 2002-October, 2002), regional sales manager, Wells Fargo Financial (March, 1996-December, 2001), leasing sales manager America Business Credit Corp, a Danka Company (1994-March, 1996), sales manager, AB Dick Products (1981-1992).Central Michigan University BA, Business / Marketing / Speech Communication / Graphic Arts; RTF Broadcasting, Seaholm High School.

Nate Mihelis hired as National Account Executive, Boston Financial and Equity Corporation, seeking a change in his successful career. Previously he was operations manager, Microfinancial (May, 2011-September, 2013) and broker channel manager prior to this position (August, 2009-May, 2011). Unit Manager, HSBC (April, 2006-July, 2009). He is also managing director/co-founder, Ecodus, non-profit in Somerville, MA (November, 2011-Present). Fitch Ratings Training Group, Certificate, Corporate Credit Analysis (2011 – 2011), Central Seminary, MDiv, Theology, Exegesis, Ancient Languages (2002 – 2006), Northland International University. B.A., Entrepreneurial Leadership/Management for Nonprofit Organizations (1997 – 2002).

Lyn Nita named vice president at US Bancorp Government Leasing and Finance, Greater New York City area. She joined the company August, 2013. Previously leasing manager, NE, Key Government Finance (September, 2010-August, 2013), v.p., syndications * sales, Honeywell International (2007-Setepmber, 2010), v.p., CitiCapital (2005-2006), Director, Siemens Financial Service (1996-2005), manager, AT&T Credit Corporation (1990-1996). St. Joseph's University (1986 – 1991) Saint Joseph's University.

Mike Thomas hired promoted in sales at NextLine Capital, Newport, Rhode Island. He joined the firm in July, 2011. Previously he was an account executive, LEAF Financial Corporation (July, 2009-Juy, 2011), account executive, Blue Street Capital (October, 2005-June, 2009), Fidelity Investments (2004-2005).University of Massachusetts at Lowell B.A., Business (2000 – 2003).

Richard Weiner hired as Vice President of Business Development, Madison Capital, Maryland. "A native of Baltimore, Richard brings over 20 years of experience in the financial services industry. During his professional career, Richard has worked as a Business Loan Officer, Business Development Officer, and a Financial Advisor. His experience was gained at banks, brokerage firms, and a credit union. In addition, he has been a business owner." Previously he was avp/commercial lending, Harbor Bank of Maryland (June, 2013-September, 2013), member business development officer, Palmetto Citizens Federal Credit Union (October, 2006-April, 2013), owner, Weiner Associates (retail wine & spirits), January, 2005-January, 2008, senior financial advisor, Bank of America (May, 2003-March, 2005), Senior Financial Consultant (Legg Masson) March, 1999-January, 2003), investment broker, Legg Mason Wood ($January, 1999-January, 2003, associate vice president investments, A.G. Edwards & Sons (January, 1992-March, 1999).University of South Carolina, Bachelor of Arts, Journalism and Mass Communications (1981 – 1985), University of South Carolina, Bachelor of Arts, Journalism (1981 – 1985), University of South Carolina-Columbia Journalism, Business Administration and Marketing, 2.85 (1981 – 1985).While attending college, I was the Music Director for 2 years and Station Manager of WUSC fm, the university radio station. WUSC fm is considered a top 20 radio station nationally. I also was on student leadership and met with the president monthly to discuss the latest developments at WUSC fm.




ELFA October 20th Convention On Line Reservation Closed
---Faxing Reservation Still Available

Online registration is now closed. However, you may still register by filling out the printable form below and faxing to (202) 478-0980 or you can register on-site in Orlando.

October 20-22
ELFA 52nd Annual Convention
JW Marriott Grande Lakes-Orlando, Florida


Attendee List


What People are Saying about ELFA Conferences


Shawn Halladay of The Alta Group will be reporting on this
important conference for Leasing News readers




Revenue and Regulatory Pressures Persist in Q3
for Big Banks, NIM ---Special SNL Financial Report
by Kevin Dobbs and Marshall Schraibman

(modest teddy bear)

Wall Street anticipates that the nation's banks and thrifts will collectively report modest third-quarter earnings, as many continue cost-cutting efforts and pocket savings from lower credit losses to offset pressure on net interest margins and revenue streams.

"While the banking industry has come a long way toward healing itself over the past couple of years by strengthening capital positions and credit quality, the general operating environment for banks remained challenging in [the third quarter] on several fronts," a team of analysts from Sandler O'Neill & Partners LP wrote in a report previewing the upcoming earnings season, which gets under way Oct. 11. Both Wells Fargo & Co. and JPMorgan Chase & Co. report that day.

They cited "persistent low interest rates at the short-end of the yield curve, coupled with intensifying lending competition," as the culprits weighing on NIMs. Margins have been under pressure for several quarters amid the prolonged low-rate environment that has been stoked by Federal Reserve policies. The Fed, in September, held steady on policies aimed at holding rates down. The Sandler analysts also noted that loan demand, despite some hints of an uptick at points this year, remains generally soft, leaving banks to grow loans primarily by stealing share from other lenders. This has created an intensely competitive landscape and made it difficult for many to grow revenue.

An SNL analysis of analysts' average estimates for 19 major U.S. banking companies shows that the Street expects nearly three-fourths of them to report third-quarter net income that is down from the previous quarter. Revenue, too, is expected to be down at a majority of those companies.

Scott Brown, chief economist at Raymond James, told SNL that it will not surprise him to hear banks report weak loan demand during earnings season.

He said consumer spending slowed during the summer months, and auto sales, a recent source of strength for the economy, were down in September. And businesses, he said, remain skittish about both major investments and hiring, keeping demand for credit in check.

"And that's the real meat and potatoes of the economy that we're talking about here," he said. "If you don't have increasing consumer spending or strong business investment, then things are going to be soft."

He added that the partial federal government shutdown, which devolved from partisan fighting over the nation's debt ceiling and a new health care policy that went into effect in October, could cause more problems. If prolonged, government workers forgoing paychecks will curtail spending notably, as will various contract workers whose business is tied to the government, Brown said.

"The longer this lasts, the bigger the drag on the whole economy" and, by extension, banks' outlook on loan demand, he said.

Analysts also say that noninterest income likely will take a hit at banks big in mortgages — notably including home lending giant Wells — as the fees lenders generate off mortgage refinancing are dwindling. Refi demand has waned in recent months against a rise in the 10-year Treasury yield that pushed up long-term rates and made 30-year mortgages less affordable.

As Brett Rabatin, an analyst at Sterne Agee & Leach Inc., put it to SNL recently: "Everyone's worried about mortgages."

Analysts on average anticipate that a majority of the 19 big lenders examined by SNL will report third-quarter noninterest income that is lower than the previous quarter. They expect that all but five of them will show NIM contraction.

Regulatory burdens, too, are significant for many banks. Trouble at JPMorgan highlights the challenge. The company in September agreed to $920 million in fines to settle with regulators in the aftermath of the "London Whale" trading debacle. Those fines add to already lofty legal expenses for JPMorgan.

Industry wide, the Sandler analysts noted, "regulatory burdens are likely to hit overhead costs and undercut efficiency."

"Despite all these headwinds," the analysts continued, "we do not expect profitability ratios for the industry to deviate much from recent quarters. There is still some credit leverage opportunity likely remaining at many banks, potentially offsetting a portion of the expected drop in core margins and mortgage banking revenues, and we believe banks will continue to target certain expenses to become more efficient."

Indeed, the SNL analysis of 19 major companies found that analysts expect a majority to report that third-quarter interest expenses are down from the previous quarter. The likes of Wells and Bank of America Corp. are in the midst of ongoing cost-cutting efforts.

Meanwhile, despite the rise in 10-year Treasury yields, analysts do not expect banks to get help from unrealized gains on available-for-sale securities when compared with the second quarter.

"While yield curve steepening may have helped reinvestment rates, we expect little evidence of that during the quarter," Sanford C. Bernstein analysts wrote in a note. "In fact, the most evident impact of higher long rates will likely be offsets to tangible book value from a decline in unrealized securities gains."

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


UCC Article 9 survey
by Corporation Service Company

Corporation Service Company (CSC) has launched a survey for those in the finance business to assembly a comprehensive view of UCC Article 9 best practices and insights.

Partial survey results will be released at the end of this year, but only survey participants will receive exclusive access to the full results.

Please take Survey when you create ten minutes to do so:


Buenos Aires, Argentina 2nd Annual Leasing Conference
Sudhir Amembal Keynote Speaker

The Leasing Association of Argentina (ALA) held its second annual congress in Buenos Aires. Reportedly it was attended by over 500 individuals – half of them were leasing professionals; and, the other half were those whose businesses serve the leasing industry.

Leasing Icon Sudhir Amembal was featured as the keynote speaker.

At the very onset of his presentation, Mr. Amembal stated that in the past 35 years that he has been serving the global leasing industry, he had never seen such a well-organized conference put forth with such a great amount of energy and enthusiasm.

Mr. Amembal’s address focused on what steps the leasing industry in Argentina should take to move to the next level. He concluded by saying that the future for leasing is very bright; but, it is contingent on increased awareness, business differentiation, product innovation and government support.

Nicolás Scioli
Presidente en Asociacion
de Leasing de Argentina

Mr. Nicolas Scioli, President of ALA, who also heads Leasing Provincia (a prominent leasing company that has pioneered the offering of leases to individuals), thanked Mr. Amembal by stating that the presentation given will indeed be a major force in moving the leasing industry forward.

Mr. Amembal told Leasing News over 70 have signed up for his 2nd Annual Operating Lease Conference & Workshop to be held in Istanbul, Turkey, November 20-22.

On the day preceding the two-day conference, he will teach Amembal’s flagship seminar – “Operating Leases: Maximizing Benefits, Minimizing Risks.”

For further details, please visit or email Kelly Farnham at



Equipment Leasing & Finance U.S. Economic Outlook
---Fourth Quarter Outlook
Equipment Leasing and Finance Foundation Report

Fourth Quarter Outlook---Summary:

The U.S. economy is largely in the same position it has been in for the past six months – improving fundamentals weighed down by a number of headwinds resulting in subpar growth. Among the positive drivers, the housing market is still in recovery mode, inexpensive natural gas continues to benefit households and the industrial sector, auto sales remain above 15 million units (annualized rate), rising household wealth is buoying consumer confidence, credit availability is steadily improving for households and businesses, and job gains have been steady. However, a number of nagging headwinds including fiscal consolidation, rising oil prices, and renewed fiscal policy tensions continue to constrain growth.

Overall, we expect that the U.S. economy will generate positive
but slow growth of 1.7% in 2013

Equipment and software investment slowed from 3.1% annualized growth in Q1 2013 to just 1.0% in Q2. Slower growth is a reflection of broader macroeconomic headwinds and uncertainty, but also categorical revisions to the Bureau of Economic Analysis's equipment investment accounts. Looking ahead, we expect a modest uptick in investment through the end of the year, with an overall forecast of 3.3% growth for 2013.

  • Agriculture equipment investment is expected to remain weak on a quarter-to-quarter basis, but unusually poor performance in Q3 2012 could translate into positive annual growth in the second half of 2013.

  • Computers & software investment is expected to grow at a slower pace than has been observed over the past several years. Annual growth should be in the 0% to 3% range during Q3 and Q4 of 2013.

  • Construction equipment investment continued its rapid growth, up 38% year-over-year in the second quarter, as investment has continued to grow at what is likely an unsustainable rate. Leading indicators all decelerated recently, suggesting that a negative correction could occur within the next three to six months.

  • Industrial equipment investment grew 1.4% year-over-year in Q2 and is expected to grow at a slightly faster rate in the second half of 2013.

  • Medical equipment investment indicators look bleak, suggesting little to no growth going forward.

  • Transportation equipment investment is expected to improve some and grow between 2% and 5% year-over year moving forward.

Credit market conditions are steadily improving, with a number of indicators continuing to recover to levels not seen since the onset of the recession. On September 18th, Fed Chairman Bernanke surprised financial markets by announcing that the current pace of quantitative easing would be maintained.

Upon the news, stocks, bonds, commodities, and most all other asset classes rallied. Since then, there has been some unease in financial markets, as there is a perceived lack of clarity from the Fed regarding its timeframe for "tapering" bond purchases.

Over the past few months, there has been a steady upward drift in long-term interest rates, which has flowed through to slightly higher mortgage rates. However, financial stress remains subdued and corporate and household balance sheets are relatively clean. Recent demand for business loans has been cautious, however, due to policy uncertainty and uneasy economic conditions, but credit supply remains relatively loose.

Overall, our outlook for credit markets remains optimistic as investors continue to be risk-on, credit availability is steadily increasing, and the Fed is expected to maintain a near-zero short-term interest policy until economic conditions suggest otherwise.

Fourth Quarter Up-Date Report (19 pages)

• Contract Negotiations • Fraud Investigations 
• Credit Investigations • Skip-tracing 
• Third-party Commercial Collections
John Kenny 
Receivables Management

For flat fee or commissions basis | ph 315-866-1167|

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



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

Fleet Financing Resources Honored With Funding Achievement Award
from Wells Fargo Equipment Finance

Riverside, California,–Fleet Financing Resources (FFR), a nationwide equipment leasing/financing company, was presented an award by Wells Fargo Equipment Finance (WFEFI) to commemorate achieving $150 million in total program funding.   

“Over the years, we have secured numerous vendor programs from top tier lenders, and for 11 years, WFEFI continues to be a premier partner as a result of their outstanding performance and overall excellence.  This award is a source of great pride to our company.” said Dave Reynolds, President and CEO.

FFR has funded over $360 million since its founding in 2002.  FFR offers a broad funding menu of products and services and has been successful in providing lease and finance solutions to over 2,700 fleet operators nationwide.

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



Fernando's View
By Fernando F. Croc

A sci-fi hit ("Gravity") and a Chinese mosaic ("A Touch of Sin") come to theaters, while DVDs offer blockbuster action ("Pacific Rim"), bubbly Shakespeare ("Much Ado About Nothing"), and suspenseful classic ("The Stranger").

In Theaters:

Gravity (Warner Bros. Pictures): In his first film since the acclaimed "Children of Men," director Alfonso Cuaron serves up another stylistically astonishing vision. Sandra Bullock gives a sure-to-be-Oscar-nominated performance as Dr. Ryan Stone, a medical engineer introduced orbiting around a space station with veteran astronaut Matt Kowalski (George Clooney) at her side. Their routine mission takes a deadly turn, however, when an accident leaves them stranded in space, scrambling to find sanctuary in another spaceship while their air supply quickly runs out. What follows is a struggle for survival that aims to be both emotionally and technically awe-inspiring. Science-fiction fans, take note: No less a genre authority than "Avatar" visionary James Cameron has already called this the best space adventure he's ever seen!

A Touch of Sin A Touch of Sin (Koch Lorber Films): Arguably the greatest Chinese director at work, Jia Zhangke weaves a powerful mosaic of human struggle and wrath in this remarkable multi-character drama. Spicing up his usual social critique with thriller brutality, the filmmaker tells four narratives about people pushed towards violence by the anxieties of a country in cultural flux. There's a coal miner who, tired of unjust rules and corrupt bosses, loads a shotgun and takes bloody justice on his own hands. There's a drifter conducting a series of robberies, and a factory worker who meets a tragic end. And then there's a young receptionist who, after much harassment at work, reveals a hidden, deadly talent worthy of a kung-fu heroine. Made with rigor, vehemence and humor, Jia's film is a haunting experience and one of the year's best releases. With subtitles.

Netflix Tip: With "A Touch of Sin," Jia Zhangke continues his series of powerful portrayals of Chinese social tensions. Check out Netflix for this great director's early films, which include "Platform" (2000), "Unknown Pleasures" (2002), "The World" (2004), and "Still Life" (2006).


Pacific Rim (Warner Bros.): For audiences who like their gargantuan blockbuster action with smarts as well as thrills will be in heaven with writer-director Guillermo Del Toro's large-scale extravaganza. Set in the future, when a legion of monstrous creatures known as the Kaiju have risen from the sea, the story finds humanity engaged in a fierce battle for its own survival. To fend off this reptilian Armageddon, scientists have designed gigantic, mind-operated robots known as Jaegers to engage in rock 'em sock 'em combat. With a troubled veteran (Charlie Hunnam) and an eager newcomer (Rinko Kikuchi) at the controls, the fate of the planet hangs by a thread. Brimming with eye-popping special effects and Del Toro's breathless sense of humor and wonder, this is a rare summer thrill-ride displaying both brains and brawn to spare.

Much Ado About Nothing (Lions Gate): In the midst of a very busy year that included directing the superhero blockbuster "The Avengers" and writing the horror lampoon "The Cabin in the Woods," Joss Whedon still managed to find time to craft this effervescent, low-budget modern update of Shakespeare's legendary comedy. The story remains the same as in the days of the Bard, with contrasting couples finding romance while dueling with words. When Don Pedro (Reed Diamond) visits his friend Leonato (Clark Gregg), his officer Claudio (Fran Kranz) falls for Leonato's daughter Hero (Jillian Morgese). And while Benedict (Alexis Denison) argues with the spirited Beatrice (Amy Acker), a whirlwind of seduction, conspiracies, and bumbling sidekicks swirls around them. Featuring pleasingly offhand style and exuberant performances, this is a breezy interlude that's more enjoyable than Whedon's big projects.

The Stranger (Kino): Four years following the traumatic experience with the mutilation of his masterpiece "The Magnificent Ambersons," Orson Welles returned to directing with this fascinating 1946 noir thriller, being released on DVD in its restored form. Welles also stars as Charles Rankin, a seemingly meek man with an university position in Connecticut and marriage to a devoted wife (Loretta Young). Soon, however, an investigator from the War Crimes Commission named Wilson (Edward G. Robinson) begins to wander around town, sniffing out clues and dropping hints about a certain Nazi criminal who's in hiding. Shocking twists and revelations abound in this suspenseful, atmospheric drama, which showcases Welles' astonishing talent for infusing a singular visual style and a personal worldview into even the most conventional storyline.


Labrador Retriever
Stratham, New Hampshire Adopt-a-Dog

Lab, 5 year old, neutered male

This is one fine hunk of handsomeness. Chubbs is man, all man. He is a five-year-old lab mix. And he is big and strong. If there are children in his new home, they need to be older. Chubbs seems okay with the other dogs here; he may, however, chase cats. Not unlike many shelter dogs, who never were taught how to do this and that, Chubbs would benefit from some solid training. He loves to go on walks, but he needs to learn to not pull. A dedicated, loving person will help Chubbs figure all this out. In return, he will no doubt return the favor by being a loyal companion for now and forever. Chubbs is a great dog who will thrive once he learns the basics of life. He looks like an A student to us."

Adoption form:

$260 fee—
Health Exam--Every animal is examined for good health and sound temperament before he or she is made available for adoption.

Vaccinations and Treatment--Before they leave for their new home, each animal is vaccinated for distemper. Dogs are tested for heartworm and cats for feline leukemia. Animals who need it are de-wormed and treated for fleas and earmites.

Spay/Neuter-- Through our progressive spay/neuter incentives, the NHSPCA has helped to make New Hampshire a leader in the quest to end pet overpopulation. We are proud to say that at this time every cat, dog, puppy or kitten is spayed/neutered prior to adoption.

Home Safe and Sound--All cats and dogs receive an I.D. tag and collar. When available, microchipping is performed on dogs and cats before they go home. Every dog receives a new leash and cats and smaller pets go home in carriers.

New Hampshire SPCA
104 Portsmouth Ave
Stratham, NH 03885
Phone: 603-772-2921
ext. 220

HOURS:Adoption Center:
11 AM to 4 PM - Monday, Wednesday, Friday, Saturday & Sunday
11 AM to 7 PM - Tuesday & Thursday


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

Adopt a Pet



Software Programmer
Fort Collins, Colorado

SQL & .Net programmer for Vision Commerce
Platform, Min. 2yr. exp.,Bachelor’s degree
---or Course Work in related field
Click here for more information
-Est. 1982, specializing in the under $75,000
marketplace to smaller, closely-held businesses--


News Briefs----

Shutdown cutting off loans for small businesses

Psychiatrists Deeply Concerned For 5% Of Americans Who Approve Of Congress,34163/

Many community banks still struggle to repay TARP bailout funds,0,854124.story#!

Canadian Laurentian Bank Moves into Equipment Leasing

Obama nominates Janet Yellen to lead Fed

HP making good progress, CEO Meg Whitman assures analysts



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Baseball Poem

(With apologies to Ernest Lawrence Thayer)

By Dick Flavin (all rights reserved)

The outlook wasn't brilliant for the Red Sox nine that day,
The score stood four to two with but one inning left to play.
So when Stephens died at first and Tebbetts did the same
A pallor wreathed the features of the patrons of the game.

A straggling few got up to go, leaving there the rest
With he hope that springs eternal within the human breast.
They thought if only Teddy could get a whack at that—
They'd put even money now with Teddy at the bat.

But Dom preceded Teddy and Pesky was on deck.
The first of them was in a slump. The other was a wreck.
So on that stricken multitude a deathlike silence sat,
For there seemed but little chance of Teddy's getting to the bat.

But Dom let drive a single, to the wonderment of all,
And Pesky, of all people, tore the cover off the ball.
When the dust had lifted, and they saw what had occurred,
There was Johnny safe on second and Dominic on third.

Then from that gladdened multitude went up a joyous yell,
It rumbled in the mountains and rattled in the dell.
It struck upon the hillside and rebounded on the flat,
For Teddy, Teddy Ballgame, was advancing to the bat.

There was ease in Teddy's manner as he stepped into his place,
There was pride in Teddy's bearing and a smile on Teddy's face.
And when, responding to the cheers he lightly doffed his hat,
(I'm making that part up)
No stranger in the crowd could doubt 'twas Teddy at the bat.

Ten thousand eyes were on him as he wiped his hands with dirt,
Five thousand tongues applauded as he wiped them on his shirt.
Then when the writhing pitcher ground the ball into his hip,
Defiance gleamed in Teddy's eyes, a sneer curled Teddy's lip.

And now the leather covered sphere came hurtling through the air,
And Teddy stood a-watching it in haughty grandeur there.
Close by the sturdy batsman the ball unheeded sped.
“That ain't my style,” said Teddy. “Strike one!” the umpire said.

From the benches black with people went up a muffled roar,
Like the beating of the storm waves on the stern and distant shore.
“Kill him! Kill the umpire!” someone shouted on the stand,
And it's likely they'd have killed him had not Teddy raised his hand.

With a smile of Christian charity great Teddy's visage shown.
He stilled the rising tumult and bade the game go on.
He signaled the pitcher, and once more the spheroid flew.
But Teddy still ignored it, and the umpire said, “Strike two!”

“Fraud!” cried the maddened thousands, and the echo answered fraud.
But one scornful look from Teddy and the audience was awed.
They saw his face grow stern and cold, they saw his muscles strain,
And they knew that Teddy wouldn't let that ball go by again.

The sneer is gone from Teddy's lip; his teeth are clenched in hate.
He pounds with cruel vengeance his bat upon the plate.
And now the pitcher holds the ball, and now he lets it go,
And now the air is shattered by the force of Teddy's blow.

Oh, somewhere in this land of ours the sun is shining bright,
The band is playing somewhere, and somewhere hearts are light,
And somewhere men are laughing, and somewhere children shout.
And they're going wild at Fenway Park 'cause Teddy hit one out!

First recited by Dick Flavin for Ted Williams, Dom DiMaggio and Johnny Pesky at Ted's home in Hernando , Florida , October 23, 2001.

Repeated at Memorial Tribute to Ted Williams
Fenway Park , Boston , Massachusetts

Leasing News Baseball Poetry Collection





Sports Briefs----

Texans sticking with Matt Schaub as starting QB

Aldon Smith faces three felony weapons charges and two DUI misdemeanors

WR Jones is officially done for the season, surgery needed


California Nuts Briefs---

Actually, the Pool Is Quite Deep



“Gimme that Wine”

Experience pays off with 2011 Oregon Pinot

The 12 Best Restaurants in New York for Wine

California Wine Industry Lacks Leadership says Newsom

Hype or not: California 2013: "Another Excellent Vintage!"


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Wine Prices by vintage

US/International Wine Events

Winery Atlas\

Leasing News Wine & Spirits Page


This Day in History

     680 - Imam Hussein, grandson of Prophet Mohammed, was beheaded. He was killed by rival Muslim forces on the Karbala plain in modern day Iraq. He then became a saint to Shiite Muslims. Traditionalists and radical guerrillas alike commemorate his martyrdom as the ceremony of Ashura. The 10-day mourning period during the holy month of Muharram commemorates the deaths of Caliph Ali’s male relatives by Sunnis from Iraq.
    732 - At Tours, France, Charles Martel killed Abd el-Rahman and halted the Muslim invasion of Europe. Islam's westward spread was stopped by the Franks at Poitiers.
    1798 - Secretary Benjamin Stoddert, first Secretary of the Navy, sent the first instructions to cutters acting in cooperation with the Navy in support of the Quasi-War with France, via the various collectors of customs. 
    1804 - A famous snow hurricane occurred. The unusual coastal storm caused northerly gales from Maine to New Jersey. Heavy snow fell across New England, with three feet reported at the crest of the Green Mountains. A foot of snow was reported in the Berkshires of southern New England, at Goshen
    1812---Birthday of Elizabeth Fries Lummis Ellet - U.S. author who was one of the first to record the lives of women. Her three volume Women of the American Revolution (vols 1 & 2 in 1848 and vol 3 in 1850) are masterpieces of research into primary sources. In all, 160 women are examined and saved for posterity. She wrote other books such as Domestic History of the American Revolution (which shows that real women were actually alive during those times ;-o) and Pioneer Women of the West. In all she wrote more than a dozen books that preserved a great deal of women's past
    1845- the Naval academy was established at Windmill Point, Fort Severn , Annapolis , MD , on a nine-acre site. I t officially opened with 56 students. On July 1, 1850, the name was changed to the U.S. Naval Academy. The following year, the academy instituted a standard four-year program. From may 9, 1861 to September 9, 1865, while Maryland was part of the Confederacy, the academy was transferred to Newport , RI .
( lower half of:
    1850-The Chesapeake & Ohio Canal was completed and opened for business along its entire 184.5 mile length from Washington, DC to Cumberland, Maryland. Sections of the canal opened for navigation as they were completed; from
in Washington, DC to
, Maryland in 1831; then to
Harpers Ferry 
in 1833; to
in 1839; and finally to
in 1850. Commerce traveled primarily on the water, not roads which were subject to weather and “poor” even in the best of times; and by wagon train. 
    1855-A mob in Columbia hanged John S. Barclay. The sheriff there tried to save the unfortunate man from the noose, but was repulsed. 
    1874- Beatrice Moses Hinkle birthday- U.S. physician. As San Francisco 's city physician, she was the first U.S. woman to hold a public health post. She was one of the two physicians who established the nation's first psychotherapeutic clinic. She was among the earliest Jungian analysts in America , having rejected Freud with whom she'd personally studied. She was among the earliest practitioners of Jungian analysis in America , and contributed to the conceptual framework of the theory. Her Recreating of the Individual (1923) took a strong stand regarding women individuality. It was noted particularly for its chapters on women and artists. 
    1881- Ethel Traphagen birthday- U.S. fashion designer, influential founder of Traphagen School of Fashion design. 
    1886- Gris­wold Lorillard of Tuxedo Park, NY, fashioned the first tuxedo for men. Pierre Lorillard IV, heir to a tobacco fortune and the biggest landowner in town, asked his tailor to create four new formal black jackets modeled after the tailless red wool coats worn by English for hunters. Lorillard declined to wear the result, but his son Griswold Lorillard and three of his friends did along with waistcoats of scarlet satin, and the look caught on. Some say this is more fiction than fact, but history records the Tuxedo Club and Lorillard responding on wearing it that it was a Tuxedo. 
    1900- Helen Hayes birthday - U.S. actress; the winner of every award possible for an actor on the stage, in the movies, and TV. She began her acting career at age 5 and continued it for more than 85 years winning Academy Awards, Tonys, and Emmys. She received The Medal of Freedom (1986), the Kennedy Center Honors (1981), and even had a Broadway theater was named after her. An award in her name established for achievement in professional theater. Died March 17, 1993 
   1902--- Kalamazoo, MI, mandolin maker Orville Gibson founds the Gibson Mandolin-Guitar Mfg. Co, Ltd. In 1936 it would create the first commercially successful electric guitar. 
    1905-birthday of Willie “The Devil” Wells, Baseball Hall of Fame short-stop born at Austin , TX . Wells is generally considered the greatest shortstop to play in the Negro Leagues. As manager of the Newark Eagles, he developed several players, who became major leaguers. Inducted into the Hall of Fame in 1997. Died at Austin , Jan 21, 1989..
    1915- famous Count Basie trumpeter and soloist Harry “Sweets” Edison born, Columbus , Ohio
    1917-October 10, Pianist/composer Thelonious Monk Birthday 
    1921-Birthday of bass player Monk Montgomery, Indianapolis , IL1920- Indians' Bill Wambsganss becomes the only player in World Series history to complete an unassisted triple play as he makes a leaping catch, steps on second base and then tags the runner from first base. 
    1923- In the first post season game ever played at Yankee Stadium, veteran Giant outfielder Casey Stengel breaks a 4-4 deadlock in the top of the ninth inning with an inside-the-park HR off Joe Bush. It is the first World Series game to be broadcast nationally
    1928 - The temperature at Minneapolis, MN, reached 90 degrees, their latest such reading of record. 
    1928-Birthday of piano player Junior Mance, Chicago , IL
    1933- Procter and Gamble, Cincinnati , OH developed the first synthetic laundry detergent, whose formula included a surfactant to emulsify dirt, and called it Deft. The first effective powdered detergent made for use in washing machines , and the first to contain a phosphate compound as a water softener, was Tide, developed by Procter and Gamble in 1946. 1943-Birthday of guitarist Steve Miller, Dallas , TX
    1935-Premiere of Jazz opera Porgy and Bess, by George Gershwin. One of Gershwin's greatest works, the opera blended African American folk music, jazz, Tin Pan Alley, and classical styles. The show included the classic song "Summertime," among other classics, brought modern by Gil Evans and Miles Davis.
    1939--The real Eleanor Rigby died in her sleep of unknown causes at the age of 44. The 1966 Beatles' song that featured her name wasn't really written about her, as Paul McCartney's first draft of the song named the character Miss Daisy Hawkins. Eleanor Rigby's tombstone was noticed in the 1980s in the graveyard of St. Peter's Parish Church in Woolton, Liverpool, a few feet from where McCartney and Lennon had met for the first time in 1957. 
    1941 - The destroyer USS Kearney is attacked by a German, submarine. In the attack, ten sailors are killed and scores injured. America suffers its first war casualties in World War II. Pearl Harbor is still seven weeks away. 
    1944-BONG, RICHARD 1. (Air Mission)
Rank and organization: Major, U.S. Army Air Corps. Place and date: Over Borneo and Leyte, 10 October to 15 November 1944. Entered service at: Poplar, Wis. Birth: Poplar, Wis. G.O. No.: 90, 8 December 1944. Citation: For conspicuous gallantry and intrepidity in action above and beyond the call of duty in the Southwest Pacific area from 10 October to 15 November 1944. Though assigned to duty as gunnery instructor and neither required nor expected to perform combat duty, Maj. Bong voluntarily and at his own urgent request engaged in repeated combat missions, including unusually hazardous sorties over Balikpapan, Borneo, and in the Leyte area of the Philippines. His aggressiveness and daring resulted in his shooting down 8 enemy airplanes during this period.
    1944 - Nearly two hundred of Admiral Halsey's planes struck Naha, Okinawa's capital and principal city, in five separate waves. The city was almost totally devastated. The American war against Japan was coming inexorably closer to the Japanese homeland. 
    1948 -The largest crowd ever to attend an American League game, 86,288 fans, jam Cleveland's Municipal Stadium to witness Boston Brave hurler Warren Spahn beat Bob Feller and the Indians, 11-5 in Game 5 of the Fall Classic.
    1950---Top Hits
Goodnight Irene - The Weavers
La Vie En Rose - Tony Martin
Bonaparte's Retreat - Kay Starr
I'm Moving On - Hank Snow
    1953--Stan Freberg's "St. George and the Dragonet" hits #1 
    1956--Elvis Presley's "Love Me Tender" entered the Billboard chart for a 19 week stay. It was #1 for 5 of those weeks. The song, from Presley's first film of the same name, was adapted from the tune "Aura Lee", written in 1861. 
    1957- “Zorro” premiered on TV. Originally he appeared in a McCulley novel and several films. Don Diego de Ia Vega (Guy Williams), a Spanish nobleman, is summoned to California by his father, Don Alejandro (George J. Lewis), to fight for the people. Diego's alter ego is Zorro, a dashing and assertive defender of the people. My father Lawrence Menkin wrote several of these episodes. He was well known as a TV Western writer, serving as story editor for Wagon Train, writing for Bonanza, Death Valley Days, Cisco Kid, among many others. Although the last telecast of Zoro was Sept 24, 1959, the series reappeared in later years, first as a remake and then as a sequel, and once again was made as a movie, titled The Mask of Zorro, in 1998.
    1958---Top Hits 
It's All in the Game - Tommy Edwards 
Rock-in Robin - Bobby Day 
Tea for Two Cha-Cha - The Tommy Dorsey Orchestra 
Bird Dog - The Everly Brothers
    1959-- Paul McCartney helps to force the last non-Beatle member of the Quarrymen, Ken Brown, from the skiffle group after Brown gets paid for an engagement at Liverpool's Casbah Club for which he was too sick to perform. This leaves the Quarrymen as John, Paul, and George; by May of the following year, the group, now featuring Stu Sutcliffe and Pete Best, would be known as the "Beatals." 
    1959- Stan Kenton, June Christy, Four Freshman record Road Show album at Purdue University . 
    1960-A silly novelty song called "Mr. Custer" by Larry Verne was the number one single in America. The record told a story about a US cavalry trooper who tries to talk his way out of fighting the Sioux Indians at Little Big Horn in 1876. 
    1962- Bob Newhart Show” premiered on TV. This half-hour variety series was hosted by Bob Newhart, a successful stand-up comedian famous for his trademark “telephone conversation” monologues. Regu­lars included Jackie Joseph, Kay Westfall, Jack Grinnage, Mickey Manners, Pearl Shear, June Ericson, Andy Albin and announcer Dan Sorkin. The show was critically acclaimed, winning both an Emmy and a Peabody in its short time on the air. Newhart later starred in situation comedies. In “The Bob Newhart Show,” which aired 1972—78 he played a psychologist.
    1965 - Ronald Reagan spoke at Coalinga Junior College and called for an official declaration of war in Vietnam.
    1965-The Supremes make the first of many appearances on the Ed Sullivan Show. 
    1966—Top Hits 
Cherish - The Association 
Reach Out I'll Be There - Four Tops 
96 Tears - ?(Question Mark) & The Mysterians 
Almost Persuaded - David Houston 
    1970 - Neil Diamond reached the #1 spot on the pop music charts for the first time with "Cracklin' Rosie". In 1972, Diamond would reach a similar pinnacle with "Song Sung Blue".
    1971- “Up-Stairs, Downstairs” premiered on TV.. The 52 episodes of this “Mas­terpiece Theatre” series covered the years 1903 to 1930 in the life of a wealthy London family (“Upstairs') and their many ser­vants (“Downstairs”). Produced by London Weekend Television, cast members included Angela Baddeley, Pauline Collins, Gordon Jackson and Jean Marsh. Won a Golden Globe for Best Drama TV Show in 1975 and an Emmy for Outstanding Limited Series in 1976.The last episode aired May 1, 1977, though the series has been rerun several times on PBS. 
    1974—Top Hits 
I Honestly Love You - Olivia Newton-John 
Nothing from Nothing - Billy Preston 
Then Came You - Dionne Warwicke & Spinners 
I Love My Friend - Charlie Rich.
    1979-Fleetwood Mac receives a star on the Hollywood Walk of Fame.
    1979-A motion picture called The Rose, starring Bette Midler as a Rock singer, (transparently based on Janis Joplin) premieres in Los Angeles. 
    1982---Top Hits 
Jack & Diane - John Cougar 
Eye in the Sky - The Alan Parsons Project 
I Keep Forgettin' (Every Time You're Near) - Michael McDonald 
Yesterday's Wine - Merle Haggard/George Jones
    1989 - Thunderstorms produced torrential rains along the northeast coast of Florida. Augustine was deluged with 16.08 inches of rain. The heavy rain caused extensive flooding of homes and businesses, and left some roads under three feet of water. Ten cities from South Carolina to New England reported record low temperatures for the date, including Concord NH with a reading of 23 degrees. Temperatures dipped into the 30s in the Carolinas. 
    1990---Top Hits 
Close to You - Maxi Priest 
Praying for Time - George Michael 
Something Happened on the Way to Heaven - Phil Collins 
Friends in Low Places - Garth Brooks 
    1992-Spiro Theodore Agnew became the second person to resign the office of vice present of the Untied States. Agnew entered a pleas of no contest to a charge of income tax evasion for contract kickbacks received while he was governor of Maryland and after he became vice president. He was sentenced to pay a $10,000 fine and serve three years probation Agnew was elected vice president twice, serving under President Richard M. Nixon.
    1999-A charity auction selling Elvis Presley's belongings was held at The Grand Hotel in Las Vegas. His wristwatch sold for $32,500, a cigar box $25,000, an autographed baseball sold for $19,000 and his 1956 Lincoln Continental went for $250,000. 
    1999 -Scoring more than 19 NFL teams, the Red Sox establish a major league record for most runs and biggest margin of victory in a post-season game as they rout the Indians, 23-7 to tie the 5-game series at two games apiece.
    1999 — St. Louis' Isaac Bruce has four touchdown catches in a 42-20 win over San Francisco as the Rams snap a 17-game losing streak to the 49ers.


World Series Champions This Date

    1924 Washington Senators 
    1926 St. Louis Cardinals 
    1931 St. Louis Cardinals 
    1937 New York Yankees 
    1945 Detroit Tigers 
    1951 New York Yankees 
    1956 New York Yankees 
    1957 Milwaukee Braves 
    1968 Detroit Tigers



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(chronological order)

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    ---What You Can Do!
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   ---Order One for Father’s Day
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Bulletin Board Complaint
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