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



Wednesday, September 16, 2015

Today's Equipment Leasing Headlines

Pictures from the Past -- 1991
Sudhir Amembal
Light Attendance at NAELB Atlanta Conference
  Report by Dwight Galloway, CLFP
In California, “You had better have a license to lease.”
  by Kenneth C. Greene, Esq.
California Court of Appeal Clarifies Lender’s Right
to Assign Loans to Non-Licensed Lenders
  by Tom McCurnin, Leasing News Legal Editor
Leasing Industry Ads---Help Wanted
Information about Jobs Available
Sales Make it Happen by Steve Chriest
Learn to Read and Understand Financial Statements
Limited Time, Profit Analyst Course, Free
  Offered by Steve Chriest
Who Needs a Desk?  Watch the Change
   1981 – 2015
Richard M. Contino Joins 25 Most Influential Lawyers
  in Equipment Finance and Leasing
ELFA Appoints Heather Staverman
  Director of Meetings and Exhibits
Marlin Business Services Declares Special Dividend
  $2.00 per Share (Stock Goes Up after Announcement)
Chesapeake Bay Retriever Mix
Walnut Creek, California   Adopt-a-Dog
Leasing News Classified Ads
News Briefs--- 
Hewlett Packard to cut up to 30,000 jobs
    from enterprise unit
Export-Import Bank Standoff Cited
   as G.E. Shifts Jobs Abroad
Did Audi and Porsche just unveil Tesla killers?
  Porsche 80% Charge in 15 Minutes
Leasing equipment can be a smart move
    for financial health

Broker/Funder/Industry Lists | Features (writer's columns)
Top Ten Stories Chosen by Readers | Top Stories last six months (Be Careful of Doing Business)
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You May have Missed---
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Pictures from the Past -- 1991
Sudhir Amembal

Sudhir Amembal, author, lecturer, equipment leasing
 International guru.

“He has conducted technical workshops and conferences on leasing in major cities throughout the world. As a consultant to the World Bank, he has spearheaded consulting engagements for the governments of Bosnia/Herezgovina, China, Croatia, Estonia, Indonesia, Korea, Kyrgyz Republic, Latvia, Lithuania, Macedonia, Mongolia, Nicaragua, Poland, Romania, Russia, Sri Lanka, Tajikistan, Turkmenistan, Uzbekistan and Yugoslavia. These engagements required him to review the overall leasing industry in each country and devise strategic recommendations to facilitate growth of the industry.

“As a publisher and author he has published 10 and co-authored 14 books on leasing including the international bestseller, ‘The Handbook of Equipment Leasing.’ He has recently co-authored and published two books Operating Leases, including: ‘The Complete Guide and International Leasing’.”



Sudhir Amembal
Amembal & Halladay


Shawn Halladay

Second Annual China Leasing Forum

September 24 – 25, 2015

Conference Preview: The first-ever of its kind held in China, the First Annual China Leasing Forum was co-organized by A&H along with its Chinese business partner, New Finance Union. Held in Tianjin, China on September 19 – 20, 2014, the Forum attracted nearly 400 lessors, government officials, banks, students, and members of the media.

The Forum consisted of a unique blend of general assemblies supplemented by hands-on parallel sessions that addressed specific concerns and questions of the attendees. Speakers included Chinese leasing luminaries, local government representatives, and prestigious speakers from the US and other parts of the world.

One of the unique benefits of the Forum is that global leasing experts not only provide insight into how their own markets matured, but the Chinese speakers add tremendous value by presenting pragmatic domestic solutions. The Forum is the leading event of its kind in China and allows Chinese leasing professionals to learn from experts, interact with one another, and network.




Light Attendance at NAELB Atlanta Conference
Report by Dwight Galloway, CLFP

The National Association of Equipment Leasing Brokers’ Regional meeting in Atlanta did not attract many “new” brokers but numerous former presidents and board members were present. The actual attendance was 102 with 39 brokers and 63 Funders/Associates.

Several of the presentations were highly informative and extremely well received by the veteran attendees.  Of course, there was the usual side range of funders and service members.  The brokers who could have attended but did not, missed an opportunity to benefit from the presentations and especially from the wealth of knowledge available through the expert brokers and long-time funders. 

As Gerald Oestreich, a NY broker for decades, said, “I just don’t understand why every broker doesn’t attend at least one meeting a year, I always come away with something that helps me do more business and earn more money”.

Dwight Galloway, CLFP
Senior V.P. Broker Operations
RLC Funding, a Division of
Navitas Lease Corp.
803-566-8245 Ext. 302




In California, You had better have a license to lease
by Kenneth C. Greene, Esq.

In considering leases across the United States, the laws regarding usury, handling of "advance payments," "commitment fees," "deposits" and being "licensed," vary quite a bit. Unlike real estate agents, CPA's, and attorneys, many states do not require that a "broker" or "funder" be licensed, unless it is another type of entity governed by banking or financing regulations. Ignorance is considered bliss until they wind up in court.

Originally, most leases were "tax" leases, not "accounting" leases, which meant that they were treated as if the lessor was the owner of the equipment and thus entitled to depreciation or tax investment credits (remember that in the old days). FASB came along and the alleged abuse of "tax shelters" changed that. Commercial Code Section 2A defined it even further.

Most leases were then considered, for tax purposes, to be really "finance" leases with full payouts. Many also included a “bonus” at the end called a "residual." Somehow the $1.00 purchase option became popular, perhaps because it made it easier for the lessor to borrow against a portfolio or to "discount" the lease to another source. Today Equipment Finance Agreements and “Business Loans” or “Working Capital Loans” have become popular as ACH allows them to take out daily payments, increasing the yield as well as making it less painful for the payee.

The lease was initially popular because the monthly payments were “lower,” since the residual at the end was in essence absorbing the decrease in the stream of payment cost. Discounting the interest and then applying it to the fixed purchase option or "fair market value" resulted in a lower monthly payment than a loan. Also a lessor could offer an even lower payment by factoring in the depreciation "profit." Leases were simpler.

In the subprime lease market places, companies such as Avco, Budget and Foothill Finance would charge first and last plus the residual, most often at ten percent, at the beginning of the contract. In addition to the "in advance interest," the security deposit and purchase option were actually additional profit as the rate did not change. For tax purposes, these transactions were treated as “loans”.

For legal purposes, however, particularly in bankruptcy court, the companies claimed that the agreements were leases, and that the equipment was owned by them, rather than a part of the company’s assets. This enhances the rights of a creditor in a bankruptcy case in several respects, and generally improves the possibility and size of a recovery.

The government entities, including the courts, originally looked at leasing as they did “rental" agreements such as vehicle leases, where the value was at the end. As the rules changed both for tax  and accounting (which is often quite the opposite of the legal definitions), those involved in leasing were not considered lenders requiring regulation regarding either what they charged or the "interest" profit, as they were purportedly the "owners" of the equipment, not lenders in the traditional sense.

It is amazing, in light of recent rulings, that leasing companies can securitize a portion of the lease stream and that more so-called operating leases are not more popular in the small to middle size marketplace.

There are more and more companies today that are looking toward the residual and only financing 80% of the cost to attempt to meet the FASB leasing requisites. Investors float the 20% and other costs, while the bank or lending institution bears the 80%, often on a non-recourse basis, depending on the value of the equipment and its residual.

In the largest populated state of the union, California, in which one of every eight people in the United States live, the rules are the toughest for those who want to engage in financing. The state requires all those who are engaged in the practice, from referrers to those who actually fund, to have a finance lender's license. Banks and some others are exempt from being licensed; however, they must do business with only those who hold the license.

Leasing News has written about this since they started, and has on its
web site:

“Unless you are doing ‘true,’ ‘tax’ or real ‘operating leases,’ such as a rental yard would do, the transactions you are involved in are in 'jeopardy' as well as your company and yourself. That is not an opinion. It is a fact. Editor. ($300 application fee, with includes a $100 investigation fee, annual assessment $250+ per location. You need a clean record, a $25,000 net worth, and provide a $25,000 Surety bond, (usually $250 a year or $700 for three years from most insurance agencies) plus pay a fee and abide by all the laws, plus have the recommendation of three licensed individuals or companies. All requirements and procedures are spelled out on the application. You should consult an attorney before submitting it, or perhaps to help in completing the form. You apply as a “lender” or as a “broker” or both.

Here is the application

  1.  California SB 197 Passed by Assembly
     Waiting for the Governor's Signature 

Law Offices of Kenneth Charles Greene
5743 Corsa Avenue Suite 208
Westlake Village, California 91362
Tel: 818.575.9095
Fax: 805.435.7464
Skype: 424.235.1658


California Court of Appeal Clarifies Lender’s Right
to Assign Loans to Non-Licensed Lenders

by Tom McCurnin
Leasing News Legal Editor

The Financial Code Allowed Assignment to “Institutional Investors,”
 But Did Not Prohibit Assignment to Non-Licensees. 
Court Clarified Right of Licensee to Do So

Montgomery v. GCFS, Inc., 237 Cal. App. 4th 724 (2015)

Assignee of consumer debt brought action against borrower for payment on the debt. Borrower cross-complained against assignee, prior owners of the debt, and their alleged principals for violations of the Finance Lenders Law.  The borrower claimed that any assignment must be to a licensed Financial Lender.  California Court of Appeals, in a reported decision, held that a licensed lender was not required to restrict assignments to only licensed lenders. 

The California Financial Code § 22340(a) provided permission of a licensee to sell obligations to an institutional investor.  The Code was silent as to whether a licensee was prohibited from selling deals to a non-licensed entity.  I have taken the position in the past that this might be a problem, because transfers to non-licensees were not specifically authorized.  But I was not convinced that it was per se illegal to transfer loans to non-licensees.

The California Court of Appeal has come to the rescue and held that section 22340(a) does not prohibit a finance lender from selling loan to a party other than an institutional investor or another finance lender.  The basis of the ruling was the free transferability of commercial paper and the fact that usury laws were not offended by the transfer. 

What are the takeaways here?

•  First, for those ultra conservative practitioners who felt that the best course of action was to only assign to licensees and risk censure by the Department of Oversight, your worries are over.   You are now free to sell and assign leases to any person, firm or corporation. 

•  Second, the Court correctly noted that only the original lender needs to be licensed to have a usury exemption.  Subsequent assignees take the paper as they find it.  If the original lender was exempt, so is the assignee. 

At least for licensed lenders in the State of California, Christmas has come early.  Lessors are now free to assign their deals freely. 

Montgomery Case

Tom McCurnin is a partner at Barton, Klugman & Oetting
in Los Angeles, California.

Tom McCurnin
Barton, Klugman & Oetting
350 South Grand Ave.
Suite 2200
Los Angeles, CA 90071
Direct Phone: (213) 617-6129
Cell (213) 268-8291
Visit our web site at

Previous Tom McCurnin Articles:


(Leasing News provides this ad as a trade for appraisals
and equipment valuations provided by Ed Castagna)



Leasing Industry Help Wanted


Press Release    
WE'RE HIRING at Our Minneapolis Headquarters
Credit Manager
This position will be responsible for underwriting small ticket working capital applications up to $250,000 in a fast paced and high volume environment. The candidate will make independent decisions on commercial credit applications through evaluation of business and personal credit reports, financial statements and other credit information. More
Collections Representative
This position will function as the primary contact for customer concerns regarding loan collection issues. The candidate will act as a liaison between the customer, Channel Partners Capital and 3rd Party Collection Agencies. More
Please email cover letter and resume to:

Join Our Incredible Sales Team

The right candidate will have 5+ years of sales experience in the equipment finance industry, current relationships and opportunities, and experience originating, building, and managing vendor programs. For more information, and to find out if Quail is a good fit for you,
click here.

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

Please see our Job Wanted section for possible new employees.  



Sales Make it Happen by Steve Chriest

Learn to Read and Understand Financial Statements

As a sales professional, there is at least one sure-fire way to increase your value to your company and to any organization - learn to read and understand financial statements.

Jessica Byrnes wrote to CFO magazine recently and said "There is not a single person working is a U.S. public company…who should not be able to read and understand a financial statement.” While this may be true, another reader, Dave Kosek, wrote that Ms. Byrnes was "…out of touch with reality." He continued, "I would bet that more than half of the people in management of our U.S. public companies cannot read or understand a financial statement, not to mention the people who actually do the work!"

An outsider might think that surely everyone in the equipment finance business would know all about financial statements, but that doesn't seem to be true. I am told, in fact, that a great many salespeople in the finance industry don't know much, if anything, about financial statements.

I think most managers would agree that many equipment finance salespeople don't need to become experts in reading financial statements. Unless a salesperson is coincidentally involved in structuring transactions that requires expertise in financial analysis, it may not be necessary to become an expert in analyzing financials, but understanding the basics of financial statements can't hurt professionally, and can help salespeople personally.

In keeping with my perspective that people change behaviors only when they perceive something beneficial in it for them to do so, here is my short list of the benefits to leasing salespeople of learning to read and understand financial statements:

- The ability to read and understand financial statements will make you appear smarter.
- You will build credibility in your organization with your managers, credit analysts and senior managers.
- You will build credibility with your customers as you demonstrate through analysis that you truly understand their business.
- You will save yourself gobs of time as you learn to pass on deals that you know will waste the time of credit analysts and will lead to frustration for everyone. 
- You will gain confidence and independence when making personal investment decisions.

From a selfish perspective, assisting credit analysts with an educated point of view on a deal, or saving them time by discarding deals that don't make the grade from a financial analysis perspective, will naturally position you in the eyes of the credit analysts as a professional who cares about their time and workload. Don't be surprised when most analysts are willing to listen to you when you want to present a deal that doesn't quite fit the credit box, but may deserve consideration based on other criteria.

Finally, achieving some level of expertise in understanding financial statements can actually be fun. When you understand that all businesses, sooner or later, suffer from commoditization and become white elephants that "profit" isn't the end-game of business, but is instead the ultimate cost of staying in business.  Without profits, and real free cash flow, a company is unable to continue the investments it must make to stay competitive and you begin to look at a company's financials with a different perspective. You may even come up with an idea no one else has thought of for keeping a business profitable or helping a business out of trouble.

If you are truly looking for a way to become a more valuable resource to your company, and to your customers, learn about financial statements. There are more resources than ever to help you learn, and you will profit professionally and personally!

Steve Chriest, CEO
Open Advance, Inc.
3201 Danville Blvd, Suite 185
Alamo, CA 94507
(925) 263-2702 (Office)
(925) 570-5459 (Cell)



Limited Time, Profit Analyst Course, Free
Offered by Steve Chriest

Register Free



Who Needs a Desk? Watch the Change


Richard M. Contino Joins 25 Most Influential Lawyers
in Equipment Finance and Leasing

Richard M. Contino is an internationally-recognized equipment leasing expert, with an extensive legal, business, marketing, tax, transaction structuring, financial and management background.  He is an advisor on all types of start-up and on-going equipment leasing business activities for lessors, lease lenders and syndicators, equipment vendors, lease investors and corporate lessees.  He is former General Counsel of De Lage Landen, Wayne, Pennsylvania, a subsidiary of The Rabobank Group, and the 14th largest equipment lessor in the U.S. Mr. Contino is the author of eight books on business, negotiating, and equipment leasing. He has conducted private on-site and publicly-held business success, communication, finance, and negotiation seminars throughout the United States for professional organizations (e.g., American Management Association, Equipment Leasing and Finance Association, Illinois Institute of Continuing Legal Education, National Seminars Group, Practicing Law Institute, and University of California Graduate School of Law) as well as corporations (e.g., AT&T, EXXON Corporation, NYNEX, and Texas Instruments Corporation). He is a retired JAG Captain, US Air Force.

List to Date

Most Influential Lawyers
in Equipment Finance and Leasing

Stewart Abramson
Andrew Alper

Thomas V. Askounis

Julie Babcock
Joe Bonanno, CLFP
Bill Carey
James Coston, CLFP
Jonathan Fleisher
Kenneth Charles Greene, Esq.
Michael A. Leichtling
Malcolm C. Lindquist 
Barry Marks, Esq., CLFP
David G. Mayer
Frank Peretore
John G. Sinodis 
Ellen Michelle Stern
Mark Stout
Kevin Trabaris
Mark Wada 
Michael J. Witt
Irwin Wittlin

Our Legal Editor, Tom McCurnin, has recused himself
from any nominations.

Leasing News is looking for nominations for the Top 25 most preeminent lawyers in the finance and leasing business who are still active. This is not a popularity contest or who was the most beneficial, but most influential. We would like a nomination and a minimum of a paragraph of the reasons you consider this person one of the top 25.

"Influential" as "a person whose actions and opinions strongly influence the course of events." "Preeminent" is "eminent above or before others; superior; surpassing:" {Online Dictionary}

Please email nominations to


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

ELFA Appoints Heather Staverman
Director of Meetings and Exhibits

Washington, D.C. – The Equipment Leasing and Finance Association announces that Heather Staverman, CMP, has joined the organization as Director of Meetings and Exhibits, effective Sept. 10. In this position, Staverman will plan, manage, implement and promote several business development conferences, exhibitions and awards programs.

Staverman formerly worked at the American Society for Photogrammetry and Remote Sensing (ASPRS), in Bethesda, Maryland, where she was Assistant Director of Communications and Meetings Manager. During her successful tenure at ASPRS, Staverman led the daily operations for the events team, oversaw strategy and planning of meetings and special events and led various committees. Prior to ASPRS she was a Program Manager at the National Association of Home Builders in Washington, D.C. She has a bachelor’s degree in business management and marketing from Kansas State University and also holds the Certified Meeting Professional (CMP) certification from the Convention Industry Council.

William G. Sutton, CAE, ELFA President and CEO, said, “We are delighted to welcome Heather to the ELFA team. Her experience in event and program management will be a valuable asset as we continue ELFA’s strong tradition of delivering unparalleled business and professional development to the equipment finance community, which is a critical component of our value proposition.”

About ELFA
The Equipment Leasing and Finance Association (ELFA) is the trade association that represents companies in the $903 billion equipment finance sector, which includes financial services companies and manufacturers engaged in financing capital goods. ELFA members are the driving force behind the growth in the commercial equipment finance market and contribute to capital formation in the U.S. and abroad. Its 580 members include independent and captive leasing and finance companies, banks, financial services corporations, broker/packagers and investment banks, as well as manufacturers and service providers. For more information, please visit

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




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

Marlin Business Services Declares Special Dividend
$2.00 per Share (Stock Goes Up after Announcement)

MOUNT LAUREL, N.J., -- Marlin Business Services Corp. (NASDAQ:MRLN) announced that its Board of Directors has authorized the declaration of a special dividend of $2.00 per share. The special dividend is payable on October 5, 2015 to shareholders of record as of September 24, 2015.  The Company's Board does not expect the special dividend to affect the payment of the regular quarterly dividends, which remain subject to Board approval.

Dan Dyer, Co-Founder, CEO and President

"Marlin's strong balance sheet and earnings capacity has put the Company in a position to return excess capital to our shareholders. Along with the Company's regular quarterly dividend and stock repurchase program, this special dividend further demonstrates our commitment to prudently manage capital and total shareholder return," said Daniel P. Dyer, Marlin's co-founder and Chief Executive Officer.

"The Company maintains a strong capital position and payment of the special dividend will not change that in any way, nor will it be an obstacle to our strategic growth plans," said W. Taylor Kamp, Marlin's Chief Financial Officer.

"The payment of additional cash dividends, coupled with our continued execution on the $15 million stock repurchase program authorized by the Board in July 2014, strongly reflect the Company's commitment to our shareholders and the Board's confidence in the Company's business strategy," said Mr. Kamp.

About Marlin Business Services Corp.
Marlin Business Services Corp. is a nationwide provider of commercial lending solutions for small and mid-size businesses. Through its wholly-owned operating subsidiary, Marlin Business Bank, Marlin provides innovative commercial financing programs. Our equipment financing and loan products are offered directly to businesses, and through third party vendor programs, which includes manufacturers, distributors, independent dealers and brokers. Since its inception in 1997, Marlin has extended credit to over a quarter of a million business customers. Our mission is to offer convenient financing products while providing the highest level of personalized customer service. Marlin is publicly traded (NASDAQ:MRLN). For more information about Marlin, visit or call toll free at (888) 479-9111.

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

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


Chesapeake Bay Retriever Mix
Walnut Creek, California   Adopt-a-Dog

5 Years old

"5-year-old Panera is a playful and energetic lady. She has a very bubbly and sweet personality and enjoys being near people. She would make an excellent companion and friend for any home. We recommend Panera take a Private Training class where she can start a new life with you with the best paw forward. She currently weighs 64 pounds.

"Panera's primary caregiver must be present for the adoption process. Family members 16 years and younger (including canine family members) are encouraged to participate as well. Please visit ARF's web site for more details about how to adopt any of ARF's cute canines."

Arf Animal Rescue Foundation
Adoption Hours at ARF
2890 Mitchell Drive
Walnut Creek, CA

Local (925) 256-1ARF (1273)
National (800) 567-1ARF (1273)

Contact eMail:

Wednesday & Thursday
Noon - 6 pm
Noon - 7 pm
Saturday & Sunday
Noon - 6 pm
Early-bird sign-in Wed-Fri at 9 am

Adoption Requirements

Adoption Programs


Adopt a Pet



Collector: Atlanta, GA
Asset Recovery Specialist. We get your money or we get your > equipment back for you. Physical Asset Recovery Experts!
Collector: Cleveland, OH 
Huntley Capital & Associates is your solution to late payments, no payments, and asset recovery. Call 216-337-7075. 
Collections: Dallas, Texas
Contingency Fee basis. Receivables Outsourcing. We are a fully bonded nationwide licensed agency. We collect for nationally known banks and leasing companies. 
Collector: Los Angeles, CA
Expert skiptracers covering Southern California. We locate skips, judgment debtors and collateral. When you can't get the job done in house, give us a call at
Collector: Louisville, KY
We are a full service collection agency with attorney network. 21 years experience. Please call Jon Floyd, VP at 1-800-264-6850 
Collector: Louisville, KY 
Euler Hermes/UMA 92 year old Global Receivables Outsourcing. Presence in 143 Countries. Work w/ 4 out of 5 Fortune 500 firms. Contingency Fee Structure.
20% off first time clients.!
1-800-237-9386 x 205.

Collector: Milwaukee, WI 
We specialize in ATM machine reposession and remarketing. We can get you top dollar for your inventory.

Collector: Nationwide
End of lease negotiations & enforcement. Third-party collections. Skip-tracing. Background checks. Credit & asset investigations. 15+ years in leasing industry. Providing services to clients nationwide.

Collector: Saint Louis, MO
Complete commercial collection agency. Licensed bonded in all states and will out performed any other agency!
Call 1-800-659-7199 ext.315
Consultant: Nationwide
25 yrs. experience: Creating/Refining Business Plans to raise capital· Credit Underwriting support/policy/procedure development · Operations Support/policy/procedure development.
Call: 610-246-2178, McCarthy Financial, LLC,
Consultant: Burlington, CT
We provide our clients with a full range of consulting services such as portfolio conversions, reconciliation, custom programming and leasing operations utilizing InfoLease. 
Consultant: Europe
15 years doing deals/running own technology leasing company – looking to advise/ lead new entrants to take advantage the European market opportunity. or 
Consultant: Henderson, NV
Focus on new business development and process efficiencies to create incremental revenue and profitability. Executive level vendor experience, and satisfied outsourcing clients. Incredible track record.

Consultant: Sausalito, CA
Lease trainer and consultant. 50 years in equipment leasing. Expert in transaction analysis, financial statement analysis, credit, packaging, structuring. Presents highly popular classes and workshops.

Consultant: North of Detroit, MI 
INFOLEASE EXPERT - 18 years experience. Since being downsized in 2002, working as a consultant for several leasing companies. Seeking consulting projects nationwide. 

Consultant: Ridgefield CT.
Lisa Lersner w/20 years exp. specializing in leasing technology now providinglessor selection andmanagement services, includingthe securing of debt and equity and acquisition guidance services.

Communications:Chassell, MI

Cartoons on business, finance & computers. Use for your presentations, website, newletter, direct

mail projects etc. Fees are negotiable. 
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Receivables Management LLC
John Kenny

• End of Lease Negotiations & Enforcement 
• Third-Party Commercial Collections | ph 315-866-1167

(Leasing News provides this ad as a trade for investigative
reporting provided by John Kenny)


News Briefs---

Hewlett Packard to cut up to 30,000 jobs from enterprise unit

Export-Import Bank Standoff Cited as G.E. Shifts Jobs Abroad

Did Audi and Porsche just unveil Tesla killers?

Leasing equipment can be a smart move for financial health


Join Our Incredible Sales Team

The right candidate will have 5+ years of sales experience in the equipment finance industry, current relationships and opportunities, and experience originating, building, and managing vendor programs. For more information, and to find out if Quail is a good fit for you,
click here.




--You May Have Missed It

What America can learn from Germany’s high-speed trains


SparkPeople--Live Healthier and Longer

Are You a Smart Snacker?


Baseball Poem

A little boy was overheard talking to himself as he strode through his backyard, baseball cap in place, while toting ball and bat.

"I'm the greatest baseball player in the world", he said proudly. Then he tossed the ball into the air, swung and missed.  

Undaunted, he picked up the ball, threw it into the air and said to himself, "I'm the greatest player ever!" He swung at the ball again, and again he missed.
He paused a moment to examine bat and ball carefully. 
Then once again he threw the ball into the air and said, 
"I'm the greatest baseball player who ever lived!"

He swung the bat hard and missed the ball yet again.

 "Wow!" he exclaimed. "What a pitcher!"



Sports Briefs----


Dallas Cowboys Are the Most Valuable Team in the NFL-- and the World

Police: Man in Vikings jersey kicked, punched outside 49ers stadium

Run and Hyde: Young runner has team winning like the 49ers of old

Eddie DeBartolo amazed in first visit to Levi’s Stadium

Levi’s Stadium app adds more ticketing, social media features for 2015 season



California Nuts Briefs---

Study finds Sierra snowpack at 500-year low

Jerry Brown warns of mass migration in California if global warming continues


“Gimme that Wine”

Valley fire destroys Lake County winery, burns vineyards

Valley Fire Devastates Lake County Wineries and vineyards among casualties of California blaze

2015 Harvest in Northern California is Early and Light

Mendocino pinot noir takes the spotlight

40,000 Euros of grapes stolen from Maison Etienne Guigal

Costco Heir Aims to Create New Napa Cult Wines
   in 1,403 Steps

Washington wine industry continues incredible growth

Wine Spectator Ninth Annual Video Contest

Free Mobile Wine Program

Wine Prices by vintage

US/International Wine Events

Leasing News Wine & Spirits Page


This Day in American History

       1620 - The Mayflower departs from Plymouth, England with 102 passengers and a small crew. On board were 48 crew members and 101 colonists (including 35 Separatists from Leiden, Holland, known afterward as the Pilgrims). During the three-month voyage, two passengers died and two babies were born. Vicious storms were encountered en route which caused serious doubt about the wisdom of continuing, but she reached Provincetown, MA, Nov 21, and discharged the Pilgrims at Plymouth, MA, Dec 26, 1620.
    1672 - This is the official date proclaimed by the governor of the Commonwealth of Massachusetts to honor Anne Bradstreet (1612-70), America's first poet, who is also recognized as the first published woman poet in the English language. Anne Bradstreet was born Mar 20, 1612 in England and came to America in 1630. Unbeknownst to Anne, her brother-in-law took some of her poetry back to England where it was published in 1630 as “The Tenth Muse Lately Sprung Up in America”. Subsequent editions were also published in Boston.
    1782 - Continental Congress President John Hanson along with Secretary Charles Thomson made the first impression of the Great Seal of the United States on a document authorizing General George Washington to negotiate and sign an agreement with the British for the exchange, subsistence, and better treatment of prisoners of war.
    1810 - Mexican Independence Day. Father Miguel Hidalgo y Costilla summoned the largely Indian and mestizo congregation of his small Dolores parish church and urged them to take up arms and fight for Mexico's independence from Spain.
(lower half of: )
    1880 – The Cornell Daily Sun was first published.  The Sun is the nation's oldest, continuously-independent college daily.
    1881 - An early snowfall across northwestern Iowa and southern Minnesota dropped up to 6 inches (at Stuart, Iowa)
    1887 - Birthday of Louise Arner Boyd (1887-1992) in San Rafael, CA. American geographer who led eight Arctic expeditions. A part of Greenland was named after her. In 1960, became the first woman councilor in the 108-year history of the American Geographical Society. During World War II, she became a valued and irreplaceable technical expert with the War Department by utilizing her encyclopedic scientific knowledge, her experiences, and her thousands of maps and photographs of the entire Arctic region from Greenland to Scandinavia. She was indispensable in locating little-known fjords which had become safe havens for German U-boats. She was the first woman to fly over the North Pole and she wrote several authoritative books on the Arctic.
    1889 - Birthday of Claude A. Barnett (1889-1967) in Sanford, FL.  Founder of the Associated Negro Press and ranked by Ebony magazine as among the one hundred most influential black Americans.  Remained its director through nearly half a century of social change. By providing its member newspapers with coverage of activities within black communities across the country and current national trends and events, the ANP helped create a national black culture and increased black awareness of national news.

    1893 - The largest land run in history begins with more than 100,000 people pouring into the Cherokee Strip of Oklahoma to claim valuable land that had once belonged to Native Americans. No more eager than the whites to leave their green and well-watered lands for the arid plains, some Indians resisted and had to be removed by force.  Most tragically, the 4,000 Cherokee died during the brutal overland march known appropriately as the "Trail of Tears." Pressure steadily increased to open the Indian lands to settlement, and in 1889, President Benjamin Harrison succumbed and threw open large areas of unoccupied Indian lands to white settlement. The giant Cherokee Strip rush was only the largest of a series of massive "land runs" that began in the 1890s, with thousands of immigrants stampeding into Oklahoma Territory and establishing towns like Norman and Oklahoma City almost overnight.
    1903 - Birthday of Buck McFarland (Barrelhouse Buck) (1903-62), Alton, IL
    1903 - Birthday of violinist Joe Venuti (1903-78), Philadelphia, PA
    1908 - The giant automobile manufacturing company called General Motors was founded by William Crapo “Billy” Durant, a Flint, Ml, entrepreneur.
    1919 – The American Legion was established in Paris, France by veterans of the AEF, American Expeditionary Force.  Of concern to Lt. Col. Theodore Roosevelt, Jr., in January 1919, Roosevelt had a discussion at General Headquarters with a mobilized National Guard officer named George A. White, a former newspaper editor with the Portland Oregonian. After long discussion, Roosevelt suggested the establishment at once of a new servicemen's organization.  Roosevelt and White advocated ceaselessly for this proposal until ultimately they found sufficient support at headquarters to move forward with the plan. General John J. Pershing issued orders to a group of 20 non-career officers to report to the YMCA headquarters in Paris on February 15, 1919. The selection of these individuals had been made by Roosevelt. They were joined with a number of regular Army officers Pershing selected himself.
    1921 - Birthday of singer/composer Jon Hendricks, Newark, OH
    1924 - Birthday of Lauren Bacall (1924-2014) in The Bronx.  Model, film and stage actress, and writer - and national icon. LB won the 1970 Tony Award for her work in the musical “Applause”. She wrote several autobiographies beginning with the best-selling “Lauren Bacall By Myself” (1978). An ingénue, she shot into film stardom opposite the much older Humphrey Bogart whom she married. She developed into a fine actor and her personal dignity through the years has made her a much respected and loved figure.
    1925 - Singer/guitarist Riley “BB” King (1925-2015) birthday, Berclair, MS.  Rolling Stone magazine ranked King No. 6 on its 2011 list of the 100 greatest guitarists of all time.
    1925 - Birthday of jazz bossa nova guitarist Charlie Byrd (1925-99), Suffolk, VA.
    1928 - The San Felipe hurricane struck Palm Beach, FL with enormous damage.  Peak winds were near 150 mph and storm waves broke the eastern dike on Lake Okeechobee, inundating flat farmland. 1836 people drowned and damage exceeded $25 million
    1933 – “Emperor Jones”, starring Paul Robeson as Brutus Jones, is released by United Artists. It is Robeson's first starring movie role and the first major Hollywood production starring an African-American with whites in supporting roles.
    1933 - "Are You Makin' Any Money?" by Chick Bullock & His Levee Loungers. This pervasive question of the era was first sung in the film, “Moonlight & Pretzels”. The clever Herman Hupfeld wrote the tune two years after 1931's "As Time Goes By." Vocalist Chick Bullock was featured on over 500 titles in the 1930s, often accompanied by New York's finest jazzmen. Worthy of note in this performance are trumpeter Manny Weinstock and Jimmy Dorsey on clarinet.
    1933 - The Carolina-Virginia hurricane hit Cape Hatteras with winds to 76 mph. Great winds damage was done in Virginia and Maryland. 21 died.
    1938 - Dorsey Band records “Boogie Woogie”
    1940 - The Burke-Wadsworth Act is passed by Congress by wide margins in both houses and the first peacetime draft in the history of the United States is imposed. Selective Service was born. The registration of men between the ages of 21 and 36 began exactly one month later, as Secretary of War Henry L. Stimson, who had been a key player in moving the Roosevelt administration away from a foreign policy of strict neutrality, began drawing draft numbers out of a glass bowl. The numbers were handed to the president, who read them aloud for public announcement. There were some 20 million eligible young men.  50 percent were rejected the very first year, either for health reasons or illiteracy (20 percent of those who registered were illiterate). In November 1942, with the United States now a participant in the war, and not merely a neutral bystander, the draft ages expanded; men 18 to 37 were now eligible. Blacks were passed over for the draft because of racist assumptions about their abilities and the viability of a mixed-race military. But this changed in 1943, when a "quota" was imposed, meant to limit the numbers of blacks drafted to reflect their numbers in the overall population, roughly 10.6 percent of the whole.
    1941 - Concerned that the Shah of Iran was about to ally his petroleum-rich empire with Nazi Germany, the United Kingdom and the Soviet Union invaded Iran in late August and forced the Shah to abdicate in favor of his son, Mohammad Reza Pahlavi, who remained in power until his overthrow in 1979.
    1944 - PRESTON, ARTHUR MURRAY, Medal of Honor
Rank and organization: Lieutenant, U.S. Navy Reserve, Torpedo Boat Squadron 33. Place and date. Wasile Bay, Halmahera Island, 16 September 1944. Entered service at: Maryland. Born: 1 November 1913, Washington, D.C. Citation: For conspicuous gallantry and intrepidity at the risk of his life above and beyond the call of duty as commander, Motor Torpedo Boat Squadron 33, while effecting the rescue of a Navy pilot shot down in Wasile Bay, Halmahera Island, less than 200 yards from a strongly defended Japanese dock and supply area, 16 September 1944. Volunteering for a perilous mission unsuccessfully attempted by the pilot's squadron mates and a PBY plane, Lt. Comdr. (then Lieutenant) Preston led PT-489 and PT-363 through 60 miles of restricted, heavily mined waters. Twice turned back while running the gauntlet of fire from powerful coastal defense guns guarding the 11-mile strait at the entrance to the bay, he was again turned back by furious fire in the immediate area of the downed airman. Aided by an aircraft smokescreen, he finally succeeded in reaching his objective and, under vicious fire delivered at 150-yard range, took the pilot aboard and cleared the area, sinking a small hostile cargo vessel with 40-mm. fire during retirement. Increasingly vulnerable when covering aircraft were forced to leave because of insufficient fuel, Lt. Comdr. Preston raced PT boats 489 and 363 at high speed for 20 minutes through shell-splashed water and across minefields to safety. Under continuous fire for 2l/2 hours, Lt. Comdr. Preston successfully achieved a mission considered suicidal in its tremendous hazards, and brought his boats through without personnel casualties and with but superficial damage from shrapnel. His exceptional daring and great personal valor enhance the finest traditions of the U.S. Naval Service.
    1946 - Les Brown cuts “I've Got My Love to Keep Me Warm”.
    1946 - Banjoist Earl Scruggs first recorded with Bill Monroe and his Blue Grass Boys. His three-fingered picking style became one of the trademarks of bluegrass music. Scruggs and guitarist Lester Flatt left Monroe in 1948 to form their own group, the Foggy Mountain Boys. Flatt and Scruggs's partnership lasted for more than 20 years.
    1948 - Joe DiMaggio hits his 300th career home run joining Babe Ruth, Lou Gehrig, Mel Ott, Jimmie Foxx, Rogers Hornsby, Chuck Klein and Hank Greenberg as the only major leaguers to reach this milestone.  DiMaggio finished his Hall of Fame career with 361.
    1950 - Birthday of Author/Outstanding Critic Henry Louis Gates Jr. in Keyser, WV.

    1950 - Top Hits
“Mona Lisa” - Nat King Cole
“Goodnight Irene” - The Weavers
“Tzena, Tzena, Tzena” - The Weavers
“Goodnight Irene” - Red Foley-Ernest Tubb
    1951 - VITTORI, JOSEPH, Medal of Honor
Rank and organization: Corporal, U.S. Marine Corps Reserve, Company F, 2d Battalion, 1st Marines, 1st Marine Division (Rein.). Place and date: Hill 749, Korea, 15 and 16 September 1951. Entered service at: Beverly, Mass. Born: 1 August 1929, Beverly, Mass. Citation: For conspicuous gallantry and intrepidity at the risk of his life above and beyond the call of duty while serving as an automatic-rifleman in Company F, in action against enemy aggressor forces. With a forward platoon suffering heavy casualties and forced to withdraw under a vicious enemy counterattack as his company assaulted strong hostile forces entrenched on Hill 749, Cpl. Vittori boldly rushed through the withdrawing troops with 2 other volunteers from his reserve platoon and plunged directly into the midst of the enemy. Overwhelming them in a fierce hand-to-hand struggle, he enabled his company to consolidate its positions to meet further imminent onslaughts. Quick to respond to an urgent call for a rifleman to defend a heavy machine gun positioned on the extreme point of the northern flank and virtually isolated from the remainder of the unit when the enemy again struck in force during the night, he assumed position under the devastating barrage and, fighting a single-handed battle, leaped from 1 flank to the other, covering each foxhole in turn as casualties continued to mount manning a machine gun when the gunner was struck down and making repeated trips through the heaviest shellfire to replenish ammunition. With the situation becoming extremely critical, reinforcing units to the rear pinned down under the blistering attack and foxholes left practically void by dead and wounded for a distance of 100 yards, Cpl. Vittori continued his valiant stand, refusing to give ground as the enemy penetrated to within feet of his position, simulating strength in the line and denying the foe physical occupation of the ground. Mortally wounded by the enemy machine gun and rifle bullets while persisting in his magnificent defense of the sector where approximately 200 enemy dead were found the following morning, Cpl. Vittori, by his fortitude, stouthearted courage, and great personal valor, had kept the point position intact despite the tremendous odds and undoubtedly prevented the entire battalion position from collapsing. His extraordinary heroism throughout the furious nightlong battle reflects the highest credit upon himself and the U.S. Naval Service. He gallantly gave his life for his country.
    1951 - ”Sky King” TV premiere. This half-hour children's adventure series began on radio in 1947. Kirby Grant starred as Schuyler J. (Sky) King, owner of the Flying Crown.
    1954 - Birthday of guitarist Earl Klugh, Detroit, MI
    1955 - The United States Auto Club (USAC) was formed to supervise four major categories of auto racing.
    1958 - Top Hits
“Nel Blu Dipinto Di Blu” (“Volare”) - Domenico Modugno
“It's All in the Game” - Tommy Edwards
“Rock-in Robin” - Bobby Day
“Bird Dog” - The Everly Brothers
    1959 - Dick Clark's first "Caravan of Stars" tour opens in New York, featuring The Coasters, The Drifters, Lloyd Price, LaVern Baker, Duane Eddy, Paul Anka and Annette Funicello.
    1959 - The first successful photocopier, Xerox 914, was introduced in a demonstration on live television from New York City.
    1960 - Johnny Burnette records the original version of "You're 16", which will rise to #8 in the US. Fourteen years later, Ringo Starr would take the same song to #1.
    1960 - College football coach Amos Alonzo Stagg age 95 (1864-1965) announced his retirement after seventy-one years on the field. Stagg's career coincided with the evolution of the game from an amalgam of soccer and rugby into American football as we know it.
    1963 - "She Loves You" was recorded by The Beatles on the Swan label. It was the first record recorded by The Beatles; but the second single by the ‘Fab Four' to hit #1. "I Want to Hold Your Hand" was the group's first #1 song and million seller (on Capitol). It beat "She Loves You" to the top spot by just a few weeks. Other Beatles hits were also recorded on Capitol (Capitol had rejected "She Loves You") and Swan labels; but the Beatles liked variety -- so add these record companies to the Beatles list of recording labels: Vee-Jay, MGM, Tollie, United Artists, Atco, E.M.I., Parlaphone and Apple.
    1964 - Concord, NH drops to 27 degrees ending the shortest growing season on record at 100 days.
    1964 - The rock 'n' roll TV show "Shindig" premiered on ABC. Guests on the first show were Sam Cooke, Bobby Sherman, the Everly Brothers and the Righteous Brothers. The house band, the Shindogs, included such musicians as Leon Russell and Delaney Bramlett. And among the Shindig Dancers was future actress Teri Garr. Such was the drawing power of the show that the Beatles were paid only $1,400 to appear during the first season - at the height of Beatlemania. "Shindig" began its second season with a bang, snagging the Rolling Stones for the first show and expanding to two nights a week. But it was downhill after that, with such guest hosts as Zsa Zsa Gabor, Hedy Lamarr and Boris Karloff. "Shindig" was cancelled in January 1966.
    1965 - The Beatles' "Eight Days a Week" is certified gold
    1965 - San Francisco's Grace Cathedral became the site of the first concert of sacred music presented by Duke Ellington.
    1965 - "The Dean Martin Show" debuted on NBC-TV. It was a weekly variety show that continued on the network for nine years. Regulars over the years were The Goldiggers, Ken Lane, The Ding-a-Ling Sisters, Tom Bosley, Dom DeLuise, Nipsey Russell, Rodney Dangerfield and Les Brown and His Band. The theme song? "Everybody Loves Somebody".
    1966 - Grateful Dead and Oxford Circle play @ The Avalon Ballroom Artists: Stanley Mouse, and Alton Kelley
        1966 - Top Hits
“You Can't Hurry Love” - The Supremes
“Yellow Submarine” - The Beatles
“Land of 1000 Dances” - Wilson Pickett
“Almost Persuaded” - David Houston
    1967 - Jimi Hendrix's debut LP, "Are You Experienced?" enters the Billboard Hot 200 album chart, where it will stay for 106 weeks, including 77 weeks in the Top 40.
    1967 - “Mannix“ premiers on CBS. Mike Connors starred as Joe Mannix, a Los Angeles private investigator working for the computer organization Intertect, in this long-running crime series. Joseph Campanella played his boss, Lou Wickersham, during the first season. The show then changed format with Mannix setting up his own agency. The new cast members were Gail Fisher as Peggy Fair, his secretary, Robert Reed as Lieutenant Adam Tobias and Ward Wood as Lieutenant Art Malcolm.
    1968 - Richard Nixon appears on "Laugh-in". In “Who Wants to be a Millionaire?” television show, this was a $1 million question. The contestant got it right, by the way.
    1970 - Jimi Hendrix makes his final public appearance, jamming with Eric Burdon & War at Ronnie Scott's club in London.
    1971 - The first Technical school for Native Americans was the Southwestern Indian Polytechnic Institute, Albuquerque, NM, a coeducational school that opened with 700 Native American students from 64 tribes. It comprised 12 buildings on a 164-acre campus and cost $13 million. John L. Peterson was the first superintendent.
    1971 - “Owen Marshall” premieres an hour-long ABC drama with Arthur Hill as the title character, a widowed attorney in Santa Barbara. Lee Majors, Reni Santoni and David Soul played his associates. Also featured were Joan Darling as Marshall's secretary and Christine Matchett as his daughter.
    1972 - "Black & White" by Three Dog Night topped the charts and stayed there for a week.
    1974 - President Ford announced a conditional amnesty program for Vietnam War deserters and draft-evaders. Limited amnesty was offered to Vietnam-era draft resisters who would now swear allegiance to the United States and perform two years of public service.
    1974 - Top Hits
“I Shot the Sheriff” - Eric Clapton
“Rock Me Gently” - Andy Kim
“I'm Leavin It (All) Up to You” - Donny & Marie Osmond
“Please Don't Tell Me How the Story Ends” - Ronnie Milsap
    1974 – BART, the Bay Area Rapid Transit,  begins regular trans-bay service. In 1962, Marin and San Mateo County withdrew from the plan,
not wanting to raise sales tax or get involved.  This then affected
Santa Clara.  Bay Area Government expected Napa to grow, not Santa Clara
County, so there was no effort on San Mateo County. When the city and county of Napa read the Bay Area Plan, they started enacting laws and prohibitions for growth, wanting to keep the area agriculture. Construction began in 1965 for BART. The 3.2-mile bore through the hard rock of the Berkeley Hills was completed in February, 1967, after 466 work days, to become the fourth longest vehicular tunnel in the U.S. In 1969, the state legislature authorized another tax to finish the project. In subsequent years, the line moved from Daly City (in San Mateo County without a tax initiative) to the San Francisco International Airport, located in Millbrae (San Mateo County). Recently monies were granted for a line to continue from Fremont to San Jose and Santa Clara in the near future. The original idea was to circle the entire San Francisco Bay. One of the key opponents in San Mateo who changed the course of history is Les Kelting of San Bruno, California. He was against raising any taxes to pay for rapid transit, which he claimed would help the San Francisco Airport more than the residents of San Mateo County.
   1976 - In Minneapolis, the 65th Triennial General Convention of the Episcopal Church, after years of condemnation, officially recognized the ordination of the 15 women priests who had previously been ordained by consecrated bishops without the hierarchy's official approval.
    1978 - The Grateful Dead played a concert in front of the Egyptian Pyramids. The show was recorded but has never been released.
    1978 - Boston's LP Don't Look Back hits #1
    1979 - At Yankee Stadium, the Bronx Bombers hold Catfish Hunter Day to honor their future Hall of Fame pitcher who will be retiring at the end of the season at the age of 33. A 20-year-old left-hander named Dave Righetti makes his major league debut for the home town team. Catfish was elected to the Baseball Hall of Fame in 1987.  Hunter died in 1999 after falling to ALS, Lou Gehrig’s Disease.
    1979 - What is generally considered to be the first rap record, "Rapper's Delight" by the Sugar Hill Gang, was released. Rap developed in the black ghettos of New York City, and consists of rhymed and rhythmical verses chanted over pre-recorded instrumental dance tracks. "Rapper's Delight" confounded the prevailing industry view that rap was an amateur fad with no commercial appeal. The record sold two-million copies.
    1980 - Louise M. Davies Symphony Hall officially opened in S.F.
    1981 - Boxer ‘Sugar' Ray Leonard, at age 25, knocked out Thomas ‘The Hit Man' Hearns. Leonard won the welterweight boxing championship -- and the richest payday in boxing history.
    1982 - Top Hits
“Hard to Say I'm Sorry” - Chicago
“Jack & Diane” - John Cougar
“You Should Hear How She Talks About You” - Melissa Manchester
“She Got the Goldmine (I Got the Shaft)” - Jerry Reed
    1983 - Arnold Schwarzenegger becomes a US citizen.
    1984 - "Miami Vice" premiers on TV.
    1987 - Stealing his 30th base, a career-high, Indian Joe Carter becomes the ninth major leaguer to hit 30 home runs and to swipe 30 bases in the same season.
    1988 - Reds' Tom Browning pitches a perfect game against the Dodgers, striking out eight and allowing only eight balls to be hit out of the infield in his 1-0 victory. Over three starts including the perfect game, he retires 40 consecutive batters - one shy of a major league record.
    1988 - (12th -16th) Hurricane Gilbert tore through the Caribbean. On the 12th, it cut through Jamaica with Kingston recording 116 mph sustained winds and gust to 140. 45 people were killed and damage topped $2 billion. Despite 7000 foot mountains, Gilbert didn't weaken at all and after exiting Jamaica, underwent incredible deepening - 72 Mb in 24 hours to 888 Mb (26.22 inches). Sustained winds were recorded at 185 mph with gusts over 200 mph in the Caribbean west of Jamaica. On the 16th, the storm came ashore near Las Pesca, Mexico about 125 miles south of Brownsville, TX. Mexico was hard hit with 202 killed and 60,000 homes destroyed. Total damage reached 2 billion dollars. In the U.S., the damage of $50 million was mostly from tornadoes spun off by Gilbert, two in San Antonio and one at Kelly AFB which did $28 million dollars in damage.
    1989 - "Don't Wanna Lose You" by Gloria Estefan topped the charts and stayed there for a week.
    1990 - Top Hits
“Release Me” - Wilson Phillips
“Do Me!” - Bell Biv DeVoe
“Have You Seen Her” - M.C. Hammer
“Jukebox in My Mind” – Alabama
    1993 - The TV premiere of “Frasier.” In this spin-off from “Cheers,” psychiatrist Dr. Frasier Crane (Kelsey Grammer) has moved to Seattle where he dispenses advice on the radio. He lives with his father Martin (John Mahoney) and Martin's physical therapist Daphne Moon (Jane Leeves). His brother, Dr. Niles Crane (David Hyde Pierce), frequently asks for Frasier's advice about his love life. Roz Doyle, the producer of Frasier's show, is played by Pen Gilpin.
    1993 - Top Hits
“Dreamlover” - Mariah Carey
“Whoomp!” (“There It Is”) - Tag Team
“Can't Help Falling In Love” (From "Sliver") - UB40
“If” - Janet Jackson
    1995 - Lynn Hill climbs the "nose" of Yosemite's El Capitan with her bare hands. She carries a rope to catch her in case she falls. The world champion rock climber commented: "Society's contrived image of what a woman should be is something I've never agreed with."
    1996 - Paul Molitor of the Minnesota Twins got the 3,000th hit of his career, a triple against Jose Rosado of the Kansas City Royals.  The Twins lost, 6-5.  Molitor became either the 20th or 21st player to reach the 3,000-hit plateau (depending on whether the list includes Adrian “Cap” Anson, who statistics are in dispute). He was the first to triple for No. 3000.
    1998 - In front of 49,891 patrons at San Diego's Jack Murphy Stadium, Sammy Sosa ties Mark McGwire by hitting his record-setting 63rd home run. The 434-foot eighth inning two-out blast off Brian Boehringer is a tie-breaking grand slam as 'Slammin' Sammy collects all six RBIs as the Cubs beat the Padres, 6-3.
    1998 - Top Hits
“I Don't Want To Miss A Thing” - Aerosmith
“The First Night” - Monica
“Crush” - Jennifer Paige
“My Way” - Usher
    1999 - Hurricane Floyd stormed ashore, pounding North Carolina with 110 mph winds, dumping more than a foot of rain, damaging 12,000 homes and claiming more than 50 lives. Floyd also caused the largest peacetime evacuation in U.S. history, with 2.6 million people ordered away from the shores in the hurricane's path.
    2000 - Cubs outfielder Sammy Sosa joins Mark McGwire (1997-99) as the only major leaguer to hit 50 HRs three consecutive seasons.
    2002 - Giants left fielder Barry Bonds walks three times breaking his own record for base on balls in a season with 178. Approximately one-third of the free passes given to the San Francisco slugger have been intentional (60 out of 178)
    2006 - Sixty-five year old Bob Dylan held the #1 spot on the US album chart with "Modern Times", making him the oldest living musician to ever top the Billboard album chart.
    2013 - A gunman killed 12 people at the Navy Yard in Washington, DC.  The Yard serves as a ceremonial and administrative center for the U.S. Navy, home to the Chief of Naval Operations, and is headquarters for several Navy Departments and other more classified facilities.  Officials said the gunman, Aaron Alexis, a 34-year-old civilian contractor from Queens, New York, was killed during a gunfight with police.



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