DeBanked Broker Fair New York
By Sloan Schickler, Esq.

Monday, October 24 was a great day for the Broker Fair in New York. Sean Murray, the founder of DeBanked and organizer of the Broker Fair, led the festivities by welcoming all there as the “hub of the alternative finance market.” 2018 was the first year of the fair and it has grown exponentially since then, bringing, lenders, brokers and third-party service providers together for two days of sharing ideas and networking. Over 700 people were connected on the DeBanked app for the Broker Fair.

Murray stated that there are numerous companies listed on the DeBanked platform which includes lenders, brokers, and other participants in this alternative funding space. Murray emphasized that brokers and their services are extremely important to the merchants, clients, lenders, and funders and accordingly, it is essential that everyone is aware of the changing regulations, best practices, targets, volumes and good business ethics. Finally, Murray announced that the next Broker Fair will be held at the Miami Beach Convention Center commencing January 19, 2023.

Some of the highlights of the Fair included:

Jay Shaw’s presentation “What makes a Successful Sales Team?” Shaw emphasized the age-old adage: “the client always comes first” and that you need the right product, at the right time, delivered in a regulatory compliant manner to really be able to grow a lending business. The key to growing the organization is developing leadership and intentional planning which includes knowing all the metrics of the business such as the leads, applications, approvals, loans, and expenses vs. originations. Thoughtful compensation for the sales force is necessary to incentivize the team. Further, the lender must consider how it will finance the business with a view to the end game. For example, if you intend to sell the business off, you may not want to give out a large amount of equity to employees prior to a potential sale.

An interesting panel consisting of Carl Brabander, Heather Francis, and moderator Reuven Mirlis spoke to “What’s Next in Funding.” The panel discussed, among other things that everyone wants to know how the recession will affect business in the alternative lending business. In line with what occurred in 2007/2008, the banks likely will pull back and this will create more demand for alternative funding methods. Credit scores will need to be higher, and there will be a greater need for tighter underwriting parameters in anticipation of the recession and a rush of demand. However, there will be a long way to go before the recession hits this business as there will be a demand to close the gap for small businesses that cannot obtain bank financing, and it is those small businesses that will ultimately fund the economic recovery.

With increasing disclosure laws affecting the lending business, it may turn into an actual constructive force for brokers, funders, and borrowers to move forward. Despite disclosure laws in key states such as California and New York, lenders will ultimately comply with the laws as they will not be able to pick and choose the states where they do business simply because they do not like the disclosures.

Further, there will be other products available from some lenders aside from the purchase of future receivables which may include lines of credit and term loans. Factor rates have dropped and the terms of loans have increased as a result of the Federal Reserve Board (“Fed”) increasing interest rates this year, so that terms that were 6-9 months in 2007/2008 are now 18-month terms. Accordingly, this combination means a lender may not be making money until well into the 13th month of a financing deal. The Fed rates will continue to rise in 2023. As a result, alternative funders are seeing the size of their loans increasing to larger deals up to $500,000 as merchants are being turned down by banks. Rising default rates are more prevalent in areas such as construction, restaurant and trucking businesses. Six months ago the default rates ranged from 5%-20% depending on the business, while today they range from 2%-40%.

Finally, a “Bad Deals” panel consisting of Erica Gilerman, Shanna Kaminski, Jonathon Nelson, and Jamie Polon, as moderator, discussed how to avoid bad deals from a lawyer’s point of view. A consistent theme was that brokers and lenders should take the time required in this fast-paced lending space to do a better job of vetting the borrowers. Following up on simple red flags may prevent getting into a bad deal in the first place. These red flags include checking the address provided by the merchant on its application to make sure it is not the post office or the UPS or FedEx store. If so, this should indicate that there may be a problem with the applicant, and you may not be able to find them later when the deal goes south’

Similarly, the preferred method of identity verification is a driver’s license or state issued identity card and not a passport. Passports do not contain the person’s address. And check the identification card or driver’s license expiration date. Given that these cards tend to be issued for a lengthy number of years (even up to 10), if the card is about to expire, there is every chance that the person no longer lives at the address on the card and you may have a problem finding them when the deal tanks.

Brokers should be aware that funders are keeping track of which brokers feed them deals that go bad after the broker earns his commission and they will cut such brokers off based on a pattern. It is essential to look at the merchant’s history, analyze their bank statements to decide if creditworthy, and when the merchant asks for a reduction of remittances or reconciliation, recent bank statements should be requested and analyzed by the lender.

Similarly, when looking at whether to fund a merchant in the first place, the lender should look at the credit history of the merchant and check for bankruptcies as there is always a reason the merchant is seeking funding in the alternative finance arena. When deals do go bad, it is harder to collect in the following industries: cannabis (they cannot use credit card processors or banks), trucking (trucks disappear) and seasonal businesses. Notably, restaurants tend to be better for collection as you can always find them because they are located at a fixed address and the funder can take a lien on their payment sources such as GrubHub.

Sloan Schickler
SCHICKLER KAYE LLP
One Rockefeller Plaza
11th Floor
New York, NY 10020
Direct Dial: 212-262-5297
Facsimile: 212-262-6298
WWW.SKFINANCELAW.COM

Sloan has decades of experience in the vehicle finance arena advising banks, captive and independent finance companies and lessors.

 

[headlines]
--------------------------------------------------------------

New Hires/Promotions in the Leasing Business
and Related Industries

Aaron Brand was hired as Managing Director, Fundient, San Diego, California.  Previously, he was Head of Business Development, Founders First Capital Partners (June, 2021 - October, 2022); EVP, Business Development, LQD Business Finance (September, 2018 - July, 2020). Full Bio:
https://www.linkedin.com/in/brandaaron/details/experience/
https://www.linkedin.com/in/brandaaron/

Paige Pierot was hired as Client Experience Officer, Enterprise Bank & Trust, Pasadena, California.  She is located in Los Angeles, California. Previously, she was at HomeStreet Bank, starting October, 2019, Executive Assistant II, promoted April, 2021, Relationship Support Specialist II; Senior Service Banker, Bank of the West (August, 2015 - October, 2019); Executive Assistant/BookKeeper, VCO Management (September, 2012 - April, 2015).
https://www.linkedin.com/in/paigepierot/

Joe Pilson was hired as Senior Business Development Manager, Vendor Finance, Can Capital office in Mount Laurel, New Jersey. He is located in Burlington, New Jersey. Previously, he was Account Representative, Canon Financial Services, Inc. October, 2014 - July, 2022). Full bio:
https://www.linkedin.com/in/joe-pilson-087a536/details/experience/
https://www.linkedin.com/in/joe-pilson-087a536/

Matthew C. Williams was hired as Regional Sales Manager, Equify Financial, Fort Worth, Texas. He is located in Linwood, Michigan. Previously, he was Regional Sales Manager, Commercial Credit Group, Inc. (November, 2019 - August, 2022); Independent Business Owner, Marketing by Matthew, LLC (2015 - October, 2019).  Full Bio:
https://www.linkedin.com/in/matthewwilliams22/details/experience/
https://www.linkedin.com/in/matthewwilliams22/

Shari Williams was hired as Chief Risk Officer, SLR Equipment Finance, Wilton, Connecticut. She is located in Easton, Connecticut. She joined Nexseer Capital January, 2018, as Executive Vice President of Credit and Risk Management, promoted March, 2021, Chief Risk Officer and Head of Capital Markets.  Full Bio:
https://www.linkedin.com/in/shari-williams-a8707a7/details/experience/
https://www.linkedin.com/in/shari-williams-a8707a7/

Jason Young was hired as Assistant Vice President, Analyst II, Commercial Equipment Finance, M&T Bank, Rochester, New York. She joined First American Equipment Finance in 2018, Financial Planning Intern, promoted January, 2019, Finance Specialist, promoted May, 2019, Assistant Vice President; Recruiting Intern, Vortex Consulting (May, 2014 - August, 2016).
https://www.linkedin.com/in/jason-a-young

[headlines]
--------------------------------------------------------------

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

 

From Great to Mediocre (or Worse)
By Steve Chriest

Two causes come to mind in what happens when great goes to mediocre or worse. The first is the ill-advised promotion of great salespeople to management positions. The second is the overall lack of management training provided to most sales managers.

First, those companies that routinely promote sales superstars to sales management positions often experience these results – they lose a great salesperson, they gain a mediocre or terrible sales manager, and the company's customers suffer in the transition.

According to experts in the field of psychological profiling, great salespeople, by definition, do not make great sales managers. Why? Simply because the characteristics needed for sales excellence are diametrically opposed to the characteristics required for great sales management.

The great salesperson lives to interact with customers. She is independent and often shuns help and advice from her superiors. She would much rather interact with customers than fill out call or expense reports. And while she might agree, occasionally, to mentor junior salespeople, she will soon resent this intrusion on her time, and she will itch to get back to interacting with her customers.

Expecting a good or great salesperson to also be a good coach, teacher, report writer and internal politician ignores the essential characteristics that make great salespeople great.

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

[headlines]
--------------------------------------------------------------

Financial and Sales Training
(For our "Lease School/Franchisors" list, please click here)

These individuals act as a consultant in 75% or more of their main business, actually training staff or individuals of a leasing company. These are not schools or franchisors, which can be viewed by clicking here.

Adrian Miller	Institute For Personal Developement
Open Advance	Wheeler Business Consulting, LLC
InSource Learning Academy

Several hold classes, and most will travel to their client's premise.

These are not schools or franchisors which can be viewed by click below:
http://leasingnews.org/Conscious-Top%20Stories/School-Franchisors.htm

Many of the associations also have financial and sales training classes for their members and non-members with a higher fee: http://leasingnews.org/associations.htm

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

Name City, State Contact Website Leasing Association	YCS YELB (see above for meaning)	Geographic Area	Specialty
Adrian Miller Port Washington, NY Adrian Miller amiller@adrianmiller.com 516-767-9288 www.adrianmiller.comwww.adrianmiller.com/blog	1989 31	International	Highly results-driven, informative and enjoyable sales skills training programs  that will leave participants empowered for bottom-line success.  AMST guarantees a positive return on training time and investment.
Institute For Personal Development Palm Beach Gardens, Florida Linda P. Kester linda@lindakester.com 516-724-1922 linkedin.com/in/lindakester lindakester.com/about-linda	1996 33	United States	Motivating, Educating and empowering leasing sales reps to top performance. Practical ideas for success using the telephone and internet.
Open Advance San Ramon, California Steve Chriest www.openadvance.com/contact 925-263-2702 www.openadvance.com	2000 38	International	Consultant. Training. Production. Your training can be branded, delivered in workshops, accessed via our OA Cloud app. or housed in your LMS. Our objective is to help people learn faster, retain knowledge longer and promote critical thinking skills.
InSource Learning Academy Sherman Oaks, CA Brian Link Brian@InSourceSales.com 818-783-7462 www.InSourceSales.com Training.InSourceSales.com	2001 20	United States	Sales is the highest paid hard work and the lowest paid easy work. But no matter how hard you work, you need the knowledge, skills and attitudes necessary to succeed. We specialize in developing world class sales teams. Subjects include knowing how to find deals, knowing how to deal with competition, and knowing how to Coach and Manage a team of Sales Professionals.
Wheeler Business Consulting, LLC Fallstow, Maryland Scott Wheeler, CLP Scott@wheelerbusinessconsulting.com 410-877-0428 www.wheelerbusinessconsulting.com	2008 37	USA	Provide multiple educational products to individuals and companies engaged in the leasing/financing industry. Encourage & facilitate personal and corporate strategy building to promote efficiencies, increase productivity & future success.

[headlines]
--------------------------------------------------------------

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

CSI Leasing Chairman and CEO Receives
Distinguished Alumni Award from UMSL

ST. LOUIS – CSI Leasing, Inc. (CSI) Chairman and CEO Steve Hamilton recently received a 2022 Distinguished Alumni Award from the University of Missouri-St. Louis (UMSL) at their 31st Annual Founders Celebration.

The UMSL Alumni Association honors individuals who have distinguished themselves by obtaining the highest level of professional accomplishments and who possess the highest standards of integrity and character to positively reflect and enhance the prestige of the University.

“I am honored and humbled to receive this award,” said Steve. “UMSL gave me a chance. Without my start there, I probably wouldn’t be anywhere close to where I am today in terms of being successful in the business world. I’ve been with CSI for over 40 years now, and today, the company is largely managed by UMSL graduates. We recognize that UMSL graduates are people we want to employ.”

Steve earned a bachelor’s degree in business administration from UMSL in 1977 before receiving a Juris Doctorate from Washington University in 1980. Throughout Steve’s tenure at CSI, he has hired and mentored many UMSL graduates, not just from the St. Louis area, but from all over the world. He also serves on the UMSL College of Business Leadership Council.

Steve joined CSI in 1983 as a corporate attorney before becoming general counsel in 1988. Beginning in 1999, he led CSI’s international expansion to Europe, Latin America and Asia until becoming president and COO in 2008. In 2016, he was named vice chairman and CEO, then chairman in 2018. Prior to CSI, Steve was an associate with law firm Susman, Schermer, Rimmel & Parker and a clerk to the Honorable George F. Gunn, Jr., on the Missouri Court of Appeals. He is a member of the Regional Business Council of St. Louis.

CSI Leasing, Inc. is one of the largest independent equipment leasing and equipment lifecycle services companies in the world. Established in 1972, CSI has operations throughout the Americas, Europe and Asia. More information is available at www.csileasing.com.

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

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

Black Equipment Finance Network
Announces Its Formation

♦ To increase participation of black equipment finance professionals in the industry
♦ Over forty members to date and growing
♦ Membership open to management-level industry professionals

The Black Equipment Finance Network ("BEFN") announced its formation as an organization tasked with increasing and elevating the participation of black equipment finance professionals in the industry. The networking group consists of management-level equipment
finance professionals able to benefit directly from BEFN's mission and others seeking to collaborate.

 BEFN has identified five areas of focus to pursue its mission, with a strong focus on  DEI advocacy, mentoring, and recruiting. At present, there are approximately forty members.

George Parker ,Co-CEO of VenSource Capital LLC and President of BEFN, spoke about its formation. "This past spring, a few black equipment finance veterans were discussing DEI initiatives within the industry, and we realized that none of us knew how many black
professionals participate in the industry. In fact, most of us only knew a handful from various industry association events. Additionally, we discussed the fact that very few minority-owned firms participate in the equipment finance industry, an industry which now totals nearly $1 trillion in annual volume.

“Based on this discussion and a few subsequent ones, we concluded that forming a networking group to meet one another, to collaborate on industry DEI efforts, to offer a platform for collaborating on business opportunities, and to share information might  
make sense."

In pursuing BEFN's mission, the organization has identified five areas of focus, including:

•  Networking, professional development,
•  DEI advocacy, promoting collaboration among

members on business opportunities, and giving back to the industry. Membership is open to
management-level equipment finance professionals who might benefit directly from BEFN's mission and others involved in DEI and/or pursuing goals complementary to those of BEFN

Of the forty or so current members, more than thirty of them represent companies, large and small, that are active in the industry, including several banks, captive finance firms, independents, service providers, and brokers.

To date, BEFN has focused much of its attention on getting organized, including establishing a LinkedIn group, registering as a nonprofit entity, setting up bookkeeping, and establishing a website. There are several activities in the pipeline, including a planned in-person networking event in collaboration with the National Equipment

Finance Association ("NEFA") at its spring conference in San Diego in March 2023. BEFN  welcomes those interested in participating as a member or as a sponsor to visit its website, www.befn.org.

Chad Sluss, MSA, Chief Executive Officer of the National Equipment Finance Association, spoke about  BEFN and its upcoming collaboration with NEFA on an in-person networking event at NEFA’s Spring Conference.

He said, “NEFA is excited about the new Black Equipment Finance Network and its mission. Several of the BEFN members are also members of NEFA and the organization's mission dovetails with NEFA's own DEI initiatives. We are looking forward to working with BEFN
at our upcoming spring conference and collaborating with them on future activities."

About Black Equipment Finance Network

Headquartered in Pearland, Texas, Black Equipment Finance Network (BEFN) is a networking  organization made up of equipment finance professionals working collaboratively to increase  the participation of black professionals in the equipment finance industry while providing
networking opportunities for professionals working in the industry. BEFN provides members with opportunities to connect with like-minded professionals across the equipment finance  industry

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

[headlines]
--------------------------------------------------------------

Watch at Home
by Fernando Croce, Leasing News Movie Reviewer

Special Halloween Edition, Part Three

In the third part of our seasonal frightfest, we conclude with another batch of choice Halloween releases, ranging from the horrific to the hilarious. So enjoy your very own cinematic night of tricks and treats!

Cat People (1942): Virtually a one-man studio, producer Val Lewton became synonymous during the early 1940s for modestly-budgeted, deceptively tasteful films that subtly expanded the very definition of horror. This famous classic, beautifully directed by Jacques Tourneur, perfectly embodies Lewton's suggestive mix of delicacy and dread. The story focuses on the marriage between Irena (Simone Simon), a lovely but troubled Serbian artist, and the unadventurous Oliver (Kent Smith). As time passes, Irena reveals her fears that her family’s ancestry of feline creatures will wreak havoc. Her new husband laughs her warnings off as superstition, but then a mysterious figure starts terrorizing other characters. Weaving a singular magic of suspense and melancholy, making canny use of deep shadows and sinister spaces, this is a masterpiece of the genre.

The Tenant (1976): Brilliantly adept at shading the skin of a film into the psyche of its troubled protagonists, Roman Polanski outdoes his own “Repulsion” and “Rosemary’s Baby” in this creepy, darkly comic psychological thriller. The director himself stars as Trelkovsky, a timid expatriate who rents an apartment in a bizarre building in Paris. Suffering from paranoid visions, he suspects that his neighbors are out to get him, a condition that only worsens when he learns more about the apartment’s suicidal previous owner. Is Stella (Isabelle Adjani), the young woman he’s dating, a way out of the madness, or just another gargoyle? Using camera angles and unsettling compositions to give the main character’s perspective of the monstrous world around him, Polanski presents a master class in horror blurring into farce.

The Fly (1986): The classical mad scientist story gets a modern makeover in this superbly queasy horror-romance, a surprising box-office hit from uncompromising Canadian master David Cronenberg (“A History of Violence”). Seth Bundle (Jeff Goldblum) is a brilliant, eccentric researcher who’s come up with a revolutionary device that allows matter to be teleported. After he experiments on himself while a housefly hides by his side, he realizes that the insect’s genes are mingling with his own. At first elated by his newfound powers, he soon becomes terrified by his decaying body. Can Veronica (Geena Davis), his reporter girlfriend, help him before it’s too late? Grounded by the terrific chemistry between Goldblum and Davis, Cronenberg’s film blends gooey special effects with genuine poignancy, honoring its famous tagline (“Be scared. Be Very scared”).

Army of Darkness (1992): Having come up with a new kind of terror in the first two “Evil Dead” movies, Sam Raimi pushes his bug-eyed energy into full-blown slapstick in this exuberantly gruesome third entry in the cult series. The inimitable Bruce Campbell returns as Ash Williams, the resourceful wise-guy who, having endured a slew of demons in the earlier installments, finds himself transported to medieval times. Landing in the middle of a war between noblemen, he’s tasked with finding the fabled “Necronomicon,” a book that has the power of summon an army of ghouls. Naturally things go awry, and Ash must face an undead wave that includes the maiden he’s fallen for (Embeth Davidtz). Full of action and humor, Raimi’s mix of fright and fun is a nonstop blast.

Let Me In (2010): Seizing the subgenre from the moony “Twilight” franchise, this surprisingly affecting tale of melancholy vampires directed by Matt Reeves (“Cloverfield”) proves there’s still have some fresh blood left in it. A remake of the acclaimed Swedish film “Let the Right One In,” it depicts the strange friendship between Owen (Kodi Smit-McPhee), a bullied teenage student, and Abby (Chloe Moretz), the sad-eyed, mysterious girl who’s just moved in to his New Mexico town with her guardian Hakan (Richard Jenkins). A bond develops between them, and it’s only gradually that Owen realizes that there’s something strange about Abby, including a certain need for blood. Where does friendship end and savagery begin? Though advertised as a horror movie, it lingers as a moving account of frightful sorrow with powerful performances.

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

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

Terrier Mix
St. Louis, Missouri  Adopt-a-Dog

Rainbow

ID: SRSL-A-310
Female
54 lbs.
6 Years, 11 Months
Location: Foster Home

Apartment......OK with proper exercise
Crate and muzzle trained
Dogs: Must have multiple meet-ups with
potential adopters before taking her home!
No cats
Older Kids Okay
Apartment......OK with proper exercise
Crate and muzzle trained
Must have multiple meet-ups with potential
adopters before taking her home!

Good things come in small packages and this little dog is a great example of that. Smart, fun, very willing to learn, and best of al,l a soul mate awaiting her human counterpart. She'll make a wonderful companion for any hiking or camping adventure, or just a walk in the park. She's high energy, but not hyper, and melts into a snuggly, affectionate relax-on-the-couch dog once she trusts you.

Rainbow meets people easily and loves other dogs, but living with another dog would require structure and boundaries to allow her to adjust in time. She's a great companion and adores human affection. A very attentive dog, she will be dedicated to her forever family. This lovely dog is ready for home and a new best friend.

A very generous supporter, who elected to remain anonymous, has paid for Rainbow's adoption fee in honor of her beloved dog who crossed the rainbow bridge.

STRAY RESCUE OF ST. LOUIS
2320 PINE STREET
ST. LOUIS, MO 63103
314.771.6121
OPEN DAILY 10AM-7PM
https://www.strayrescue.org

[headlines]
--------------------------------------------------------------

Leasing News Advertising Rates

Rate Chart per month

Ad Prices are by month. Monthly price is reduced when committed to a longer term than one month.

Most advertisers run at least three months, often extending to a longer period due to the results received.

Leasing News retains the right to refuse ads that don’t meet our criteria, such as misuse of Evergreen clauses or complaints received on their practices.

#1

Alexa ranked us number #1 website among our news group. We don’t just print press releases, but have commercial business reporters and regular columnists.

Display Ads

The ads appear appear in each edition, published three times a week, normally Monday-Wednesday-Friday. The days change due to Monday holidays to two days: Tuesday-Thursday news editions.

The display ads appear at the end of news articles chosen by the editor, specifically, not randomly. A display ad also rotates in each news edition, placed in the lower half of the masthead.

Display ads are also rotated to appear in the newsletter email. Your ad will be seen by our subscribers when they open our email. Leasing News email open rate is well above industry average.

Each morning two stories with their ad get placed in our 18,000 “followers” on LinkedIn, as well as over 12 commercial business and associations.

Many advertisers have several ads that rotate, meaning each news edition gets a different ad from their group.

Help Wanted Ads

Help Wanted Ads are different than display as they appear in the classified section of each posted Leasing News, always after the top stories of the day. If more than one, the larger ads appear on top, following newspaper protocol.

Each news edition also has a different Help Wanted ad appear at the top of the Masthead in addition to the online classified help wanted section. In effect, the Help Wanted ad on top of the masthead will also appear in the classified section, creating the ad appearing twice in the same edition.

Help Wanted ads are also rotated to appear at the top of the newsletter email. Yyour ad is directly sent to our subscribers email inbox. Leasing News email open rate is well above industry average.

All ads are designed by an agency or companies who have digital departments. The sizes vary from our rate card as the designer choses.

Please inquire at kitmenkin@leasingnews.org

News Briefs---

US Economy Expanded 2.6% in Q3
    After Two Straight Quarters of Decline
https://nypost.com/2022/10/27/us-gdp-grew-2-6-in-third-quarter/

Caterpillar Says Construction Equipment Remains
    in Demand, Boosting Sales, Profit
https://www.wsj.com/articles/caterpillar-cat-q3-earnings-report-2022-11666869603?mod=hp_lista_pos5

Rail strike worry prompts businesses to
    seek White House intervention
https://www.stltoday.com/business/local/rail-strike-worry-prompts-businesses-to-seek-white-house-intervention/article_e175af79-33c2-5999-837a-94ca889b918a.html

Amazon stock tanks nearly 20% after lower
    than expected holiday quarter guidance
https://www.geekwire.com/2022/amazon-stock-tanks-nearly-20-after-lower-than-expected-holiday-quarter-guidance/

[headlines]
--------------------------------------------------------------

The European Central Bank Raises Rates Again
    in the Fight Against Inflation
https://www.nytimes.com/2022/10/27/business/european-central-bank-rates-inflation.html

[headlines]
--------------------------------------------------------------

Sports Briefs---

Buffalo Bills release renderings of new stadium:
    Here’s what it may look like
https://www.usatoday.com/story/sports/nfl/bills/2022/10/27/buffalo-bills-new-stadium-renderings-released-take-a-look/10613934002/

Mike Tomlin is facing his toughest challenge yet
to maintain the Steelers standard | Opinion
https://www.usatoday.com/story/sports/nfl/columnist/bell/2022/10/25/steelers-mike-tomlin-faces-toughest-challenge-maintain-standard/10599408002/

Update: Ja'Marr Chase likely out multiple weeks,
     could go on IR
https://www.theredzone.org/Blog-Description/EntryId/25917/Update--Ja-Marr-Chase-likely-out-multiple-weeks--could-go-on-IR

NFL Week 8 picks: 49ers beat Rams; Eagles
still perfect; Raiders, Cowboys win
https://www.latimes.com/sports/story/2022-10-27/nfl-week-8-picks-rams-49ers-eagles-raiders-cowboys-bills

Warriors become Forbes’ top-valued NBA franchise,
leaving Iguodala to wonder if Curry is getting a piece
https://www.mercurynews.com/2022/10/27/warriors-become-top-valued-nba-franchise-according-to-forbes/

Stanford overwhelming favorite in Pac-12 women’s hoops race
https://www.pressdemocrat.com/article/sports/stanford-overwhelming-favorite-in-pac-12-womens-hoops-race/

[headlines]
--------------------------------------------------------------

California Nuts Briefs---

A hotel news roundup on Airbnb,
     SF's Golden Gate Hotel and Line Hotel
https://www.sfgate.com/travel/article/hotel-news-airbnb-doubles-listings-17536576.php?IPID=SFGate-HP-CP-Spotlight

Tahoe is getting a massive upgrade. Here's how
it will transform the ski destination
https://www.sfchronicle.com/travel/article/A-Tahoe-ski-resort-is-considering-a-members-only-17065785.php

Sonoma County was unprepared for a megafire. Here is
what changed to ensure that doesn’t happen again
https://www.pressdemocrat.com/article/news/sonoma-county-was-unprepared-for-a-megafire-here-is-what-changed-to-ensure/

Mortgage rates top 7% for the first time
since 2002, chilling L.A. housing market
https://www.latimes.com/california/story/2022-10-27/mortgage-rates-top-7-for-the-first-time-since-2002-chilling-la-housing-market

[headlines]
--------------------------------------------------------------

"Gimme that wine"

Bottles of wine for the 24 days of Christmas?
    Count me in as we count down.
https://www.sfgate.com/shopping/article/In-good-taste-wine-Advent-calendar-17530940.php?IPID=SFGate-HP-Shopping-Main

A day in the life of a local vineyard manager
https://www.pressdemocrat.com/article/lifestyle/profiles-in-wine-agustin-santiago/

Oregon winegrowers tout high-quality crop
after spring frost
https://www.capitalpress.com/ag_sectors/orchards_nuts_vines/oregon-winegrowers-tout-quality-crop-after-spring-frost/article_03b9b2e4-5481-11ed-8041-5feff0731ced.html

Adele releases music video for ‘I Drink Wine’
nearly 1 year after '30' came out
https://www.today.com/popculture/music/adele-i-drink-wine-music-video-rcna54209

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

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

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

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

This Day in History

     1492 - Christopher Columbus discovers Cuba. He and his men take many slaves, their main bounty in the mission. Many of the slaves died on the trip back to Spain due to the cramped, unhealthy quarters.
    1610 - Thomas West, baron De La Mar, was appointed as the first Governor of Virginia colony
    1636 – A vote of the Great and General Court of the Massachusetts Bay Colony establishes the first college in what would become the United States, and Harvard College was founded.
    1646 - At Nonantum, Mass., colonial missionary John Eliot, ("Apostle to the New England Indians"), 42, conducted the first Protestant worship service for the Indians of North America. He also delivered the first sermon preached to the Indians in their native tongue.
    1768 - Germans and Acadians joined French Creoles in their armed revolt against Antonio de Ulloa, the Spanish governor of New Orleans. This combined militia will force his resignation the next day.
    1775 - A British proclamation forbids residents from leaving Boston.
    1776 - Battle of White Plains: Washington retreats to NJ. The American forces were dislodged from their position, but once again, British Gen. Howe failed to pursue his opponents and waited for reinforcements. By November 1, the British were ready to resume their offensive, but a heavy wind and rain storm slowed their progress. Washington took advantage of the British lethargy and retreated northward to another hilltop location, this time about five miles away near the town of North Castle. Washington and his dispirited army believed that a major, perhaps decisive, battle would occur within the next few days. To their utter amazement, dawn on November 4 brought the sight of the British turning their backs on the lightly entrenched Americans and beginning a march back to Manhattan. Washington made a crucial decision to divide his army and led about 2,500 men into New Jersey.  The British captured Chatterton Hill.
http://www.myrevolutionarywar.com/battles/761026.htm
    1790 - New York gives up claims to Vermont for $30,000
    1793 - Eli Whitney applies for a patent on the cotton gin. According to history, one of his black slaves had come up with the idea from using a comb to a cylinder, in which he had made a prototype of wood. Upon seeing it, Whitney made some experiments, put it to paper, and sent a letter to register the idea. He then spent a year making a metal prototype. He called it a cotton gin (short for “engine”).  It turned quickly, easily separating cottonseed from the short-staple cotton fiber. Whitney's cotton gin was capable of maintaining a daily output of 23 kg (50 lbs.) of cleaned cotton, and its effect was far-reaching, making southern cotton a profitable crop for the first time. Whitney, however, failed to profit from his invention. Numerous imitations appeared, and his 1794 patent was not validated until 1807. In 1798, Whitney obtained a government contract to make 10,000 muskets. He demonstrated that machine tools--manned by workers who did not need the highly specialized skills of gunsmiths--could produce standardized parts to exact specifications and that any part could be used as a component of any musket. The firearms factory he built in New Haven, Conn., was thus one of the first to use mass production methods.
http://www.pbs.org/wgbh/aia/part3/3h1522.html
http://www.suite101.com/article.cfm/african_american_history/61415
    1793 – Birthday of Eliphalet Remington (d. 1861) in Suffield, CT.  He founded the Remington Arms Company. 
    1798 - Birthday of Levi Coffin (d. 1877), founder of The Underground Railroad, born New Garden, North Carolina.
http://www.indianahistory.org/heritage/levic.html
http://www.visitrichmond.org/history/levicoffin/
http://www.waynet.org/nonprofit/coffin.htm
http://www.spartacus.schoolnet.co.uk/USAScoffin.htm
http://www.walmart.com/catalog/product.gsp;
jservsessionid=6183044723fd99786b3ce31
3e3fe6bd11f1f51f80_10-15-20-208.86.1035589086776.:0f?product_id=1047862&sourceid
=0100000030390613102498
    1818 – Abigail Adams, second First Lady of the US, died of typhoid fever in Quincy, MA.  She and John Adams were married in 1764 and she was the First Lady to live in The White House after the nation’s capital was moved to Washington, DC in 1800. 
    1842 - Birthday of Anna Elizabeth Dickinson (d. 1932) at Philadelphia, PA.  Influential American orator and author of the Civil War era; as an advocate of abstinence, abolition and woman suffrage, she earned the nickname, “American Joan of Arc.”
    1846 - The pioneering Donner Party, a group of 90 people consisting of immigrants, families and businessmen led by George and Jacob Donner and James F. Reed, head toward California from Springfield, IL, in hopes of beginning a new life. They experienced the normal travails of caravan travel until their trip took several sensational twists, Indian attacks and winter weather which forced them to interrupt their journey.  Famine and outright cannibalism took their toll on members of the party whose numbers dwindled to 48 by journey's end.
    1858 - Rowland Hussey Macy opened his first New York store at Sixth Avenue and 14th Street in Manhattan.  First day’s receipts:  $11.06!
    1864 - Second Battle of Fair Oaks located on the defensive perimeter around the Confederate capital of Richmond. General Robert E. Lee's army constructed five lines of trenches that stretched 25 miles south to Petersburg. For five months, Lee's troops had been under siege by the forces of Union General Ulysses S. Grant. The monotony of the siege was broken only periodically by a Union attempt to break Lee's lines. One such attack came at Hatcher's Run, southwest of Petersburg, on October 27. At the same time, Grant ordered an attack at Fair Oaks, about 24 miles from the assault at Hatcher's Run. The Richmond defenses were formidable, so any direct assault was unlikely to succeed. By attacking at Fair Oaks, Grant hoped to prevent Lee from shifting any troops along the Richmond-Petersburg line to reinforce the lines at Hatcher's Run. Some 1100 Union men were killed, wounded, or captured during the attack, while the Confederates lost just 450. The planned diversion did not work--at the far end of the defenses, the Yankees failed to move around the end of the Confederate line at Hatcher's Run.
    1864 - Battle of Wauhatchie, TN, one of the few night engagements of the Civil War, won by the Union troops to open up a badly needed supply route, establishing what was then called “The Cracker Line.”
http://www2.cr.nps.gov/abpp/battles/tn021.htm
    1864 - In the midst of the Battle of Burgess' Mill in VA, cavalry commander CS Gen Wade Hampton came upon his sons, mortally wounded Frank Preston Hampton and Wade Hampton, Jr. who had been shot while coming to his brother's aid.
    1867 - Maimonides College in Pennsylvania is first Jewish college in the US.  The need of such an institution was strongly felt as there were numerous synagogues in the country, but few persons capable of filling the rabbinical office. The seminary was established under the joint auspices of the Hebrew Education Society and the Board of Delegates of American Israelites, and was named "Maimonides College" with Isaac Leeser as its provost.
    1875 - Birthday of Gilbert H. Grosvenor (d. 1996), at Istanbul, Turkey.  The editor credited with transforming National Geographic Magazine from a small scholarly journal into a dynamic world-renowned monthly.
(Lower half of: http://memory.loc.gov/ammem/today/oct28.html)
    1886 - Frederic Auguste Barthold's famous sculpture, the Statue of Liberty Enlightening the World, on Bedloe's Island in New York Harbor was dedicated by President Grover Cleveland.  A sonnet by Emma Lazarus, inside the pedestal of the statue, contains the words: "Give me your tired, your poor, your huddled masses yearning to breathe free, the wretched refuse of your teeming shore. Send these, the homeless, tempest-tost to me, I lift my lamp beside the golden door." Here is a little known fact, when the Statue of Liberty was dedicated in New York Harbor, women were barred from the ceremony because it would be too crowded and rough for the ladies, the city declared, but a group of women chartered a boat and circled the island singing and shouting women's rights messages.  The event was also celebrated with New York City’s first ticker tape parade.
    1896 - Birthday of Howard Hanson (d. 1981), Wahoo, NE.  Composer/conductor/educator, in 1921 he became the first American to win the Prix de Rome. In 1924, he became head of the Eastman School of Music at the University of Rochester, NY, where he served for 40 years. Best known for the music he composed, Hanson was awarded the Pulitzer Prize as outstanding contemporary composer in 1944 for his composition Symphony No. 4, the George Forster Peabody Award in 1946, the Laurel Leaf of the American Composers Alliance in 1957 and the Huntington Foundation Award in 1959.
    1897 – Birthday of motion picture costume designer Edith Head (d.1981), Searchlight, NV.  She won a record eight Academy Awards for Best Costume Design, starting with “The Heiress” (1949) and ending with “The Sting” (1973).
    1904 - St Louis police try a new investigation method-fingerprints.
http://www.onin.com/fp/fphistory.html
    1907 - Birthday of alto sax player Rudy Power, New York City, NY
    1914 - Birthday of Jonas Salk (d. 1995) at New York, New York.  Developer of the Salk polio vaccine, he announced his development of a successful vaccine in 1953, the year after a polio epidemic claimed some 3,300 lives in the US. Polio deaths were reduced by 95 percent after the introduction of the vaccine. Salk spent the last 10 years of his life doing AIDS research.
    1919 - Congress passed the Volstead Act, prohibiting the "manufacture, sale, or transportation of intoxicating liquors" in the United States. The Roaring Twenties were about to begin. A little known fact:  the Volstead Act did cut down the alcoholic rate in the United States, with less fatalities and family problems. Many of the nightclubs legally sold alcohol beverages as anything in their inventory was “legal.” Crime in the Midwest was rampant before the 1920's. The advent of the machine gun and automatic weapons increased the crime rate, not the commerce of alcohol from Canada and Mexico.
http://memory.loc.gov/ammem/today/oct28.html
    1916 - Birthday of Trombone player/composer Bill Harris (d. 1973).
http://shopping.yahoo.com/shop?d=product&id=
1927005706&clink=dmmu.artist&a=b
    1926 – The former Commissioner of Major League Baseball, Bowie Kuhn (d. 2007), was born in Takoma Park, MD.  Kuhn was inducted into the Baseball Hall of Fame in 2008, after having been elected nine months after his death.  His tenure was marked by labor strikes, owner disenchantment, and the end of baseball's reserve clause, yet baseball enjoyed unprecedented attendance gains (from 23 million in 1968 to 45.5 million in 1983) and TV contracts during the same time frame.  Kuhn suspended numerous players for involvement with drugs and gambling, and took a strong stance against any activity that he perceived to be "not in the best interests of baseball."  In 1970, he suspended star Detroit Tigers’ star pitcher Denny McClain indefinitely (the suspension was later set at 3 months) due to McLain's involvement in a bookmaking operation, and later suspended McLain for the rest of the season for carrying a gun. He barred both Willie Mays (in 1979) and Mickey Mantle (in 1983), arguably two of the game’s greatest stars ever, from the sport due to their involvement in casino promotion; neither was directly involved in gambling.  Also in 1970, Kuhn described former player Jim Bouton’s seminal “Ball Four” as "detrimental to baseball" and demanded that Bouton retract it. The book has been republished several times and is now considered a classic.  On October 13, 1971, the World Series held a night game for the first time.
    1928 - Birthday of accordion player Iry LeJeune (d. 1955), Point Noir, LA
http://www.cajunculture.com/People/LeJeuneIry.htm
http://www.cajunfrenchmusic.org/biographies/lejeune-i.htm 
http://www.carencrohighschool.org/la_studies
/ParishSeries/FrenchMusic/IryLejeune.htm
http://www.amazon.com/exec/obidos/ASIN/B000001O54/avsearch-musicasin-20/
103-0570268-6906239
    1928 - The first men's field hockey game: The Westchester Field Hockey Club of Rye, NY, defeated the Germantown Cricket Club of Germantown, PA, 2-1, in the first organized men's field hockey game played in the US.
    1934 – The Brooklyn Dodgers and the Pittsburgh Steelers play a penalty-free NFL game.
    1936 - The temperature at Layton, NJ, dipped to 9 above zero to establish a state record for the month of October. 
    1936 – Charlie Daniels (d. 2020), Country musician, was born in Leland, NC.
    1937 – Birthday of NBA coach, Lenny Wilkens, in Brooklyn.  At the time of his retirement in 2010, Wilkens was the NBA’s winningest coach with 1,332 victories, a record since surpassed by Don Nelson.
    1938 - John Kirby records his trumpet man Charlie Shavers' “Undecided,” Decca.
    1939 - Birthday of singer Andy Bey, Newark, NJ
    1941 - Birthday of Curtis Lee (d. 2015) in Yuma, AZ.  Lee hit the charts in the early 1960s with “Pretty Little Angel Eyes” (#7) and “Under the Moon of Love” (#46).
    1942 – The Alaska Highway, also known as the Alcan Highway is completed across Canada to Fairbanks, Alaska.
    1944 - ADAMS, LUCIAN, Medal of Honor.
Rank and organization: Staff Sergeant, U.S. Army, 30th Infantry, 3d Infantry Division. Place and date: Near St. Die, France, 28 October 1944. Entered service at: Port Arthur, Tex. Birth: Port Arthur, Tex. G.O. No.: 20, 29 March 1945. Citation: For conspicuous gallantry and intrepidity at risk of life above and beyond the call of duty on 28 October 1944, near St. Die, France. When his company was stopped in its effort to drive through the Montagne Forest to reopen the supply line to the isolated third battalion, S/Sgt. Adams braved the concentrated fire of machineguns in a lone assault on a force of German troops. Although his company had progressed less than 10 yards and had lost 3 killed and 6 wounded, S/Sgt. Adams charged forward dodging from tree to tree firing a borrowed BAR from the hip. Despite intense machinegun fire which the enemy directed at him and rifle grenades which struck the trees over his head showering him with broken twigs and branches, S/Sgt. Adams made his way to within 10 yards of the closest machinegun and killed the gunner with a hand grenade. An enemy soldier threw hand grenades at him from a position only 10 yards distant; however, S/Sgt. Adams dispatched him with a single burst of BAR fire. Charging into the vortex of the enemy fire, he killed another machine gunner at 15 yards range with a hand grenade and forced the surrender of 2 supporting infantrymen. Although the remainder of the German group concentrated the full force of its automatic weapons fire in a desperate effort to knock him out, he proceeded through the woods to find and exterminate 5 more of the enemy. Finally, when the third German machinegun opened up on him at a range of 20 yards, S/Sgt. Adams killed the gunner with BAR fire. In the course of the action, he personally killed 9 Germans, eliminated 3 enemy machineguns, and vanquished a specialized force which was armed with automatic weapons and grenade launchers, cleared the woods of hostile elements, and reopened the severed supply lines to the assault companies of his battalion. 
    1944 - BROSTROM, LEONARD C., Medal of Honor.
Rank and organization: Private First Class, U.S. Army, Company F, 17th Infantry, 7th Infantry Division. Place and date: Near Dagami, Leyte, Philippine Islands, 28 October 1944. Entered service at: Preston, Idaho. Birth: Preston, Idaho. G.O. No.: 104, 15 November 1945. Citation: He was a rifleman with an assault platoon which ran into powerful resistance near Dagami, Leyte, Philippine Islands, on 28 October 1944. From pillboxes, trenches, and spider holes, so well camouflaged that they could be detected at no more than 20 yards, the enemy poured machinegun and rifle fire, causing severe casualties in the platoon. Realizing that a key pillbox in the center of the strong point would have to be knocked out if the company was to advance, Pfc. Bostrom, without orders and completely ignoring his own safety, ran forward to attack the pillbox with grenades. He immediately became the prime target for all the riflemen in the area, as he rushed to the rear of the pillbox and tossed grenades through the entrance. Six enemy soldiers left a trench in a bayonet charge against the heroic American, but he killed 1 and drove the others off with rifle fire. As he threw more grenades from his completely exposed position he was wounded several times in the abdomen and knocked to the ground. Although suffering intense pain and rapidly weakening from loss of blood, he slowly rose to his feet and once more hurled his deadly missiles at the pillbox. As he collapsed, the enemy began fleeing from the fortification and were killed by riflemen of his platoon. Pfc. Brostrom died while being carried from the battlefield, but his intrepidity and unhesitating willingness to sacrifice himself in a l-man attack against overwhelming odds enabled his company to reorganize against attack, and annihilate the entire enemy position. 
    1944 - OKUBO, JAMES K., Medal of Honor.
Technician Fifth Grade James K. Okubo distinguished himself by extraordinary heroism in action on 28 and 29 October and 4 November 1944, in the Foret Domaniale de Champ, near Biffontaine, eastern France. On 28 October, under strong enemy fire coming from behind mine fields and roadblocks, Technician Fifth Grade Okubo, a medic, crawled 150 yards to within 40 yards of the enemy lines. Two grenades were thrown at him while he left his last covered position to carry back wounded comrades. Under constant barrages of enemy small arms and machine gun fire, he treated 17 men on 28 October and 8 more men on 29 October. On 4 November, Technician Fifth Grade Okubo ran 75 yards under grazing machine gun fire and, while exposed to hostile fire directed at him, evacuated and treated a seriously wounded crewman from a burning tank, who otherwise would have died. Technician Fifth Grade James K. Okubo’s extraordinary heroism and devotion to duty are in keeping with the highest traditions of military service and reflect great credit on him, his unit, and the United States Army.
    1944 - THORSON, JOHN F., Medal of Honor.
Rank and organization: Private First Class, U.S. Army, Company G, 17th Infantry, 7th Infantry Division. Place and date: Dagami, Leyte, Philippine Islands, 28 October 1944. Entered service at: Armstrong, lowa Birth: Armstrong, lowa. G.O. No.: 58, 19 July 1945. Citation: He was an automatic rifleman on 28 October 1944, in the attack on Dagami Leyte, Philippine Islands. A heavily fortified enemy position consisting of pillboxes and supporting trenches held up the advance of his company. His platoon was ordered to out-flank and neutralize the strongpoint. Voluntarily moving well out in front of his group, Pvt. Thorson came upon an enemy fire trench defended by several hostile riflemen and, disregarding the intense fire directed at him, attacked single-handed He was seriously wounded and fell about 6 yards from the trench. Just as the remaining 20 members of the platoon reached him, 1 of the enemy threw a grenade into their midst. Shouting a warning and making a final effort, Pvt. Thorson rolled onto the grenade and smothered the explosion with his body. He was instantly killed, but his magnificent courage and supreme self-sacrifice prevented the injury and possible death of his comrades, and remain with them as a lasting inspiration.
    1944 – “Sipowicz”, actor Dennis Franz was born in Maywood, IL.  Franz was one of the leads in the popular TV series, “NYPD Blue” from 1993-2005.
    1945 – Birthday of Wayne Fontana (d. 2020), of The Mindbenders, born Glyn Geoffrey Ellis in Manchester, England.
    1946 - Our favorite flying cowboy was heard on ABC radio for the first time. "Sky King" starred Jack Lester, then Earl Nightingale, and finally, Roy Engel, as Sky. Beryl Vaughn played Sky's niece Penny; Jack Bivens was Chipper and Cliff Soubier was the foreman. "Sky King" was sponsored by Mars candy.
    1948 - In St. Louis, MO, Chuck Berry marries his first and only wife, Themetta "Toddy" Suggs. They were married for 68 years until his death.
    1949 - Birthday of Caitlyn, formerly William Bruce, Jenner, sportscaster, Olympic gold medal decathlete, Kardashian ex-husband, Mount Kisco, NY.
    1949 - Helen Eugene Moore Anderson became the first woman to hold the post of US ambassador when she was sworn in by President Harry S. Truman. She served as Ambassador to Denmark.
    1950 - “The Jack Benny Program” premiered on television. One of radio's favorite comedians, Jack Benny made the transition to favorite TV personality with this situation comedy-variety show in 1950. In March 1932, then-newspaper columnist Ed Sullivan, dabbling in radio, asked Benny, a star in vaudeville, to do an on-air interview. Benny reluctantly agreed. His comedy, though, was so successful that Benny was offered his own show.  In many of these skits, Benny portrayed himself as a vain egomaniac and notorious penny-pincher who refused to replace his (very noisy) antique car and who kept his money in a closely guarded vault. His regulars included his wife, whose character, Mary Livingstone, deflated Benny's ego at every opportunity; Mel Blanc, who used his famous voice to play Benny's noisy car, his exasperated French violin teacher, and other characters; and Eddie Andersen, one of radio's first African American stars, who played Benny's long-suffering valet, Rochester Van Jones. The program ran until 1955. One of my favorite lines came from a skit where a robber sticks a gun in his ribs and says, “Your money or life? “ The silence went on for many minutes, until Benny turns deadpan to the camera and answers, “I'm THINKING! “
    1950 - "All My Love" by Patti Page topped the charts and stayed there for 5 weeks.
    1951 - BURKE, LLOYD L., Medal of Honor.
Rank and organization: First Lieutenant, U.S. Army, Company G, 5th Cavalry Regiment, 1st Cavalry Division. Place and date: Near Chong-dong, Korea, 28 October 1951. Entered service at: Stuttgart, Ark. Born: 29 September 1924, Tichnor, Ark. G.O. No.: 43. Citation: 1st Lt. Burke, distinguished himself by conspicuous gallantry and outstanding courage above and beyond the call of duty in action against the enemy. Intense enemy fire had pinned down leading elements of his company committed to secure commanding ground when 1st Lt. Burke left the command post to rally and urge the men to follow him toward 3 bunkers impeding the advance. Dashing to an exposed vantage point he threw several grenades at the bunkers, then, returning for an Ml rifle and adapter, he made a lone assault, wiping out the position and killing the crew. Closing on the center bunker he lobbed grenades through the opening and, with his pistol, killed 3 of its occupants attempting to surround him. Ordering his men forward he charged the third emplacement, catching several grenades in midair and hurling them back at the enemy. Inspired by his display of valor his men stormed forward, overran the hostile position, but were again pinned down by increased fire. Securing a light machine gun and 3 boxes of ammunition, 1st Lt. Burke dashed through the impact area to an open knoll, set up his gun and poured a crippling fire into the ranks of the enemy, killing approximately 75. Although wounded, he ordered more ammunition, reloading and destroying 2 mortar emplacements and a machine gun position with his accurate fire. Cradling the weapon in his arms he then led his men forward, killing some 25 more of the retreating enemy and securing the objective. 1st Lt. Burke's heroic action and daring exploits inspired his small force of 35 troops. His unflinching courage and outstanding leadership reflect the highest credit upon himself, the infantry, and the U.S. Army. 
    1952 - Top Hits 
“You Belong to Me” - Jo Stafford 
“Wish You Were Here” - Eddie Fisher 
“I Went to Your Wedding” - Patti Page 
“Jambalaya (On the Bayou)” - Hank Williams
    1953 – “The Ol’ Red Head,” Red Barber, the Brooklyn Dodgers’ lead announcer, was selected by Gillette, which sponsored the World Series broadcasts, to call the games on NBC along with the Yankees’ Mel Allen. Barber wanted a larger fee than was offered by Gillette, however, and when Dodgers owner Walter O’Malley refused to back him, Barber declined to work the Series and Vin Scully partnered with Allen on the telecasts instead.  Barber resigned after the Series and signed to join Allen with the Yankees.  This also marked the first time Vin Scully took the lead role as Dodgers’ announcer, a role he maintained through the relocation to LA until retiring in 2016.
    1954 - Marilyn Monroe finalized her divorce from Joe DiMaggio, nine months after the wedding.
    1955 - Birthday of Microsoft co-founder and philanthropist, William H. Gates, Seattle, Washington. Gates and his childhood friend, Paul Allen, began programming in high school, when they created and sold a program to control traffic patterns in Seattle. Gates dropped out of Harvard in 1975 after he and Allen created a compiler for the BASIC computing language and sold it to fledgling PC company MITS. In 1977, Gates and Allen founded Microsoft and built the company by creating versions of BASIC for various personal computers. The company's biggest break came in 1981, when IBM introduced the IBM PC, running Microsoft DOS as its operating system. Microsoft's lock on the operating system market grew stronger, and Gates became one of the wealthiest men in America by the time he turned thirty-five. Today he is the wealthiest individual in the United States.
    1955 - A local kid from Lubbock, TX opened a concert for Marty Robbins and Elvis Presley. In the audience was a youngster by the name of Scott Davis. He would later become a superstar. We know him as Mac Davis. The kid who opened the concert was Buddy Holly.
    1956 - Elvis Presley makes his second appearance on The Ed Sullivan Show, where the host presents him with a Gold record for "Love Me Tender."   Also, “Love Me Tender” bumps “Don’t Be Cruel” b/w “Hound Dog” out of the Billboard #1 spot, making Elvis the first artist to knock himself off the top of the charts
    1957 - The Four Lads record "Put a Light in the Window."
    1958 - In San Francisco, construction begins on the Giants' new ballpark in an area where the rocks look like candlesticks jutting into the San Francisco Bay, known as Candlestick Point. The developer, James Harney, gifts the land with the stipulation the park be named after him.  Didn’t happen.  Demolition began in 2014 and was completed in 2015 as the Giants had moved to AT&T Park near China Basin, and the 49ers moved to Santa Clara.
    1958 – In what would be his last major appearance on television, Buddy Holly appears on American Bandstand, lip-synching “It’s So Easy” and “Heartbeat.”
    1958 – The Roman Catholic Patriarch of Venice, Angelo Giuseppe Roncalli, was elected Pope, taking the name John XXIII.
    1960 - Top Hits
“I Want to Be Wanted” - Brenda Lee 
“The Twist” - Chubby Checker 
“Devil or Angel” - Bobby Vee 
“Alabam” - Cowboy Copas
    1960 - The American Football League granted a seventh franchise to Buffalo with Ralph C. Wilson, Jr. of Detroit as principal owner.  The new team is named the Bills.  With Wilson’s passing in 2014, on October 8, 2014, Terry and Kim Pegula owner of the NHL Buffalo Sabres, received unanimous approval to acquire the Bills, assuring the team will remain in its birthplace.
http://www.buffalobills.com/history/index.cfm?include=/
includes/chronology_60.htm
    1961 - Ground is broken for the Flushing Meadow Stadium.  The future home of the New York Mets will be known as Shea Stadium in honor of Bill Shea, a lawyer who helped to bring back the NL to the Big Apple, after all but chasing the Brooklyn Dodgers away by failing to negotiate with Dodgers’ owner Walter O’Malley on a new site for the Dodgers’ ballpark at the end of the Atlantic Avenue subway line.  Shea Stadium was demolished in 2009 to furnish additional parking for the adjacent Citi Field, the current home of the Mets. 
    1961 - According to the Beatles' manager, Brian Epstein, this is the day on which a customer named Raymond Jones entered Epstein's Liverpool record store, NEMS, and requested a copy of the Beatles singing "My Bonnie," a 45 the group had cut in Hamburg, Germany with singer Tony Sheridan. Epstein, impressed that someone would ask for a record cut by a local group but only available as an import, tracks the band down at the Cavern Club and offers to manage them. Several Liverpool scenesters have since cast doubt on this story, claiming the group was already well-known in town.
    1961 - Chuck Berry was one of the biggest pop stars of the late 1950s when he began to have legal problems. While charges in yet another Mann Act violation were pending (which were dismissed in 1960), Berry met Janice Escalante, a Native American with roots in the Apache tribe, in a bar in El Paso, Texas. According to Berry, who took the young woman on the road with his traveling rock show, Escalante claimed to be 21 years old. After there was a falling out between the two, Escalante complained about Berry to the authorities. During his second trial, the prosecution produced a birth certificate proving that Escalante was a mere 14 years old. Berry was convicted and sentenced to three years in prison. After a short stretch in Leavenworth Federal Prison, he was transferred to a Missouri jail, where he spent his time studying accounting and writing songs. Among the songs he wrote before his release from prison in October 1963 were "No Particular Place to Go" and "You Never Can Tell," later memorialized in the film “Pulp Fiction.”
    1962 - New York Giants’ quarterback Y.A. Tittle completes 27 of 39 passes for 505 yards and a record-tying seven touchdown passes in the Giants' 49-34 victory over Washington at Yankee Stadium. 
    1962 - Withdrawal of Soviet missiles, under UN inspection, and a halt to construction of bases in Cuba, was agreed to by Premier Krushchev. Pres. Kennedy agreed to lift the trade and weapons ban when the UN had acted, and pledged that the U.S. would not invade Cuba.
    1964 - Marietta Peabody Tree was sworn in to the Trusteeship Council of the United Nations, becoming the first female United Nations permanent ambassador. She had served since 1961 as a United Nations delegate.
    1965 - The Gateway Arch (630ft/192m high), St. Louis, Missouri, was completed. Construction had begun Feb 29, 1964.
    1965 - The Supremes record "My World Is Empty Without You," one of the few songs written by the team for The Supremes to not reach number one.
    1965 - Pope Paul VI decrees that Jews are absolved of blame for the crucifixion of Christ.
    1967 - Actress/producer Julia Roberts birthday, born Smyrna, GA.
    1967 - Diana Ross and The Supremes' "Greatest Hits" started a five week run at #1 on the US album chart. Although original member Florence Ballard is pictured on the cover and sings on all the tracks, by the time the L.P. was released, she had been fired from the group and replaced by Cindy Birdsong.
    1968 - Top Hits 
“Hey Jude” - The Beatles 
“Little Green Apples” - O.C. Smith 
“Those Were the Days” - Mary Hopkin 
“Then You Can Tell Me Goodbye” - Eddy Arnold
    1969 - Charges that an illegal war in Laos was being conducted without congressional knowledge or consent were leveled against President Richard Nixon, the administration and the Pentagon by Senator J. William Fulbright, chairman of the Senate Foreign Relations Committee.
    1970 - Sky marshals were appointed in accordance with President Richard M. Nixon's presidential directive to deal with the proliferation of hijackings of commercial airplanes. The Treasury Law Enforcement Officers Training School graduated 46 marshals on December 23, 1970, and 81 marshals, including four women, on April 9, 1971.
    1971 - A severe early season blizzard raged through the plateau and Rocky Mountain region. Heavy snows blocked railroads and interstate highways. Record cold accompanied the storm. Lander, WY was buried under 27 inches of snow and the temperature at Big Piney, WY plunged to 15 degrees below zero.
    1972 - The United States Council for World Affairs announces that it is adopting "Join Together" by The Who as its official theme.
    1973 – Secretariat, the colt many considered the greatest thoroughbred race of all time, concluded his career with a victory in the Canadian International Championships at Woodbine Race Course. His jockey on this occasion was Eddie Maple, substituting for the suspended Ron Turcotte.
    1974 - Rhoda Morgenstern made TV history as she married Joe Girard on "Rhoda" on CBS. The show was a spin-off from the hugely successful "The Mary Tyler Moore Show."
    1976 - Top Hits 
“If You Leave Me Now” - Chicago 
“Still the One” - Orleans 
“Rock'n Me” - Steve Miller 
“You and Me” - Tammy Wynette
    1977 - Steve Perry makes his first concert appearance with Journey at the Old Waldorf in San Francisco. He would lead them to 17 Billboard Top 40 entries over the next ten years. 
    1978 - Nick Gilder's "Hot Child in the City" was the number one single on the "Billboard Hot 100". The hit was a track from Gilder's "City Nights" album.
    1978 – The great Boston Bruins defenseman, Bobby Orr, scored his last goal, against the Detroit Red Wings.
    1980 - Annette Funicello, Cubby O'Brien, Tommy Cole, Sherry Alberoni and Jimmie Dodd joined other Mouseketeers wearing black ears and white shirts on a sound stage in Burbank, CA. They were celebrating the 25th anniversary of the "Mickey Mouse Club." While we're celebrating the "Mickey Mouse Club," do you remember the five special events each week? There was Fun with Music Day on Monday, Guest Star Day on Tuesday, Anything Can Happen Day on Wednesday, Circus Day on Thursday and Talent Roundup Day on Friday. “Y? Because we LIKE you!….M-O-U-S-E-E-E-E”
    1980 – During one of the presidential debates with President Jimmy Carter, Candidate Ronald Reagan asked America, “are you better off  now than you were four years ago?"
    1981 - Game 6 of the World Series saw the Los Angeles Dodgers storm back, winning their fourth straight game (9-2), and the championship, after having been down two games to none to the New York Yankees. Rookie pitcher Fernando Valenzuela started the Dodger comeback, and batters Ron Cey, Pedro Guerrero, Steve Garvey, and Steve Yeager took them the rest of the way. There had been genuine concern that snow might interfere with the Fall Classic since it was being played so late in the season in New York City. And we worry about that every year that there's a World Series game in a northern city.  Yankees reliever George Frazier is the loser in three games.
    1981 - Edward M McIntrye elected first black mayor of Augusta, Georgia.
    1984 - Top Hits 
“I Just Called to Say I Love You” - Stevie Wonder 
“Caribbean Queen (No More Love on the Run)” - Billy Ocean 
“Hard Habit to Break” - Chicago 
“If You're Gonna Play in Texas (You Gotta Have a Fiddle in the Band)”
  - Alabama
    1986 - In the Neiman-Marcus catalogue, the store offered, as a unique holiday gift, a 100-year subscription to "The Wall Street Journal" -- for just $6,000. That was a $5,400 saving over the regular 100-year rate!
    1988 - Arctic cold invaded the north central U.S. Valentine, NE, dipped to 8 degrees, and Cutbank, MT, reported a morning low of one degree above zero. The temperature at Estes Park, CO dipped to 15 degrees, but then soared thirty degrees in less than thirty minutes.
    1989 - The Oakland Athletics beat the San Francisco Giants 9-6 to complete a four-game sweep of the World Series, the first World Series sweep since 1976. The A's scored first in every game and never lost the lead once. Oakland pitcher Dave Stewart pitched two games, won two games, struck out fourteen hitters in sixteen innings, had an earned run average of 1.69 and was named MVP. The Series will be remembered not only for the A's dominance, but also for the earthquake before game three that killed sixty-seven people in the San Francisco Bay area.
    1989 - A storm crossing the western U.S. produced 10 to 20 inches of snow across northern and central Wyoming, with 22 inches reported at Burgess Junction. Seven cities in the Lower Ohio Valley and the Upper Great Lakes Region reported record high temperatures for the date as readings again warmed into the 70s. Alpena, MI reported a record high of 75 degrees. 
    1991 - Yakima, WA recorded 2.4 inches of snow, equaling the record for October.
    1995 - Atlanta Braves right fielder David Justice broke a scoreless tie with the Cleveland Indians. It was a solo home run in the bottom of the sixth in Game 6 of the World Series, and it was all the Braves would need. Pitcher/Series MVP Tom Glavine allowed just one hit in eight innings, and Mark Wohlers pitched a perfect ninth to seal the championship, the first in Atlanta's history as they beat the Cleveland Indians 4 games to 2.
    1996 - Newspapers reported that Egghead, Inc. had started delivering software via the Internet directly to customers' computers, a major innovation at the time. The move made Egghead the first major software retailer to deliver programs over the Internet. Egghead closed about half its retail stores in 1996, and in 1998, the company closed all its bricks-and-mortar stores and moved its entire sales operation to the Web.
    1997 - The NBA hired five new referees for the 1997-98 season, including the first two women ever, Dee Kanter and Violet Palmer.  Both had extensive experience working women's college games and both worked exhibition games as a trial. Palmer got her first regular season assignment on October 31 in Vancouver. Kantner worked her first game on November 5, Philadelphia.
    1999 - During a performance in Dallas, Kenny Rogers throws a Frisbee that hits a chandelier; a man in the audience later sues, claiming that broken glass from the chandelier left his face scarred, which ruined his sex life.
    2002 - The Mets, after being unable to get permission to talk to Lou Piniella from Seattle and deciding not to wait ten days after World Series for the availability of Giants’ skipper Dusty Baker, give Art Howe a four-year, $9.4 million deal to manage the team. New York's new skipper managed the A's to two AL West titles (2000, 2002) championships with his teams, winning 383 games during the last four seasons that matched Joe Torre's Yankee total.
    2003 – “Tonight's The Night,” a musical play written around the hits of Rod Stewart, opens in London's West End.
    2005 - Vice President Dick Cheney's top adviser, I. Lewis "Scooter" Libby, resigned after he was indicted on charges of obstruction of justice, perjury and making false statements in the CIA leak investigation involving Valerie Plame. Libby was convicted and sentenced to 30 months in prison. President George W. Bush commuted his sentence.
    2007 - During the middle of Game 4 of the World Series between the Red Sox and the Colorado Rockies, S.I. com reports Alex Rodriguez has decided to opt out of his contract with the Yankees. The timing of the announcement and being a no-show at the game to receive the Hank Aaron Award, which honors the most outstanding offensive performer in each league, is severely criticized by fans and the media.  Oh, by the way, the Red Sox swept the Rocks.
    2011 - The St. Louis Cardinals won the 11th World Series title of their history, second-most in Major League history, by defeating the Texas Rangers, 6-2, in Game 7.
    2012 – The San Francisco Giant swept the Detroit Tigers in the World Series as Pablo Sandoval takes MVP honors.  It is the second Giants’ World Series win in three years.  It is also the seventh for the franchise as the New York Giants won five.
    2012 - The U.S. East Coast prepared for Hurricane Sandy, which caused damage throughout the Caribbean and resulted in 67 deaths.  The second worst in history, Sandy is responsible, so far, for $75 billion in damage and there are still millions outstanding in unresolved claims.  After weakening somewhat on Oct 27, she turned northwesterly and viciously slammed the coasts of New Jersey and New York City.  Sandy affected 24 states, including the entire eastern seaboard from Florida to Maine and west to Michigan and Wisconsin.
    2013 - Michael Jackson's personal physician, Dr. Conrad Murray, is released from prison, two years after being convicted of involuntary manslaughter
    2014 - Pahoa, a town of about 1,000 people on Hawaii's Big Island, evacuated due to a stream of lava flowing at 20 yards per hour from the Kilauea volcano.

World Series Champions
1981 - Los Angeles Dodgers
1989 - Oakland Athletics
1995 - Atlanta Braves
2011 – St. Louis Cardinals
2012 – San Francisco Giants