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Monday, September 28, 2020

Today's Leasing News Headlines

Monica Harper Presented with Leasing News 2019 Person
  Year Award at AACFB Virtual Conference by Shari Lipski, CLFP
AACFB Hosts Successful First Virtual Conference
   By Monica Harper, Executive Director
Top Ten Leasing News
    September 21 - September 25
Evolutionary of Technology
Leasing Industry Ads
    ---Help Wanted
Sales Techniques
    Sales Make it Happen by Leasing News Readers
CLFP Foundation Reaches 932 Professionals
    24 Individuals Passed 8-Hour CLFP Exam
Academy for Certified Lease & Finance Professionals
    Two Sessions, Two Virtual Online Available
Visualizing the Range of EVs on Major Highway Routes
    Electric Vehicle Range and Cost Chart
When You Don't Make a Payment on Your Tesla
California Department of Business Oversight Prepares
  to Become Department of Financial Protection and Innovation
Greater Swiss Mountain Dog & Retriever Mix
    Salt Lake City, Utah  Adopt a Dog
NVLA Virtual 2020 Conference
   October 14 -14   Wins of Change
News Briefs---
Twenty-one states are reporting increased Covid-19

     cases as experts warn of a fall surge
Google updates Maps to show how bad coronavirus
     is in your area via Google Maps
Grocers Stockpile, Build ‘Pandemic Pallets’
     Ahead of Winter
“Lower-pay, higher-risk”: Coronavirus layoffs
     send middle-class workers down the economic ladder

You May have Missed---
   Trump Taxes Show Chronic

 Losses and Years of Income Tax Avoidance
    New York Times Report

Broker/Funder/Industry Lists | Features (wrilter's columns)
Top Ten Stories Chosen by Readers | Top Stories last six months (Be Careful of Doing Business)
Leasing News Icon for Android Mobile Device

  Sports Brief----
   California Nuts Brief---
    "Gimme that Wine"
     This Day in History
       Daily Puzzle
         Weather, USA or specific area
          Traffic Live----

######## surrounding the article denotes it is a “press release,” it was not written by Leasing News nor has the information been verified. The source noted. When an article is signed by the writer, it is considered a “byline.” It reflects the opinion and research of the writer.



Monica Harper Presented with Leasing News 2019 Person
Year Award at AACFB Virtual Conference by Shari Lipski, CLFP

At the American Association of Commercial Finance Brokers Virtual 2020 Conference Shari L. Lipski, CLFP, Principal, ECS Financial Services, presented (via Zoom) Monica Harper, Executive Director, AACFB, the 2019 Leasing News Person of the Year award. Originally the crystal award was to be presented at the actual conference, before COVID-19 changed the business lifestyle.

Monica Harper rejoined the National Association of Equipment Leasing Brokers January 17, 2017.  The three-year contract for Fernley & Fernley Management Group had expired and former Executive Director Joe Casey was recently hired as Executive Director at PA Chapter of the American Academy of Pediatrics, Media, Pennsylvania. Reportedly, the firm she worked for had been managers of the association since 2010, while she was very active with NAELB. It was noted by the board of directors, "Her experience with event marketing, broadcast email communications, social media and membership development was outstanding." Leasing News noted at the time getting her media representation back was very much appreciated.

The National Association of Equipment Leasing Brokers announced their name changed to the American Association of Commercial Finance Brokers April 27, 2018.

She is part of the FSA Management Group and has worked for them for almost 20 years, rising from a membership director in 1997, then working for two other Media groups in the Louisville, Kentucky area.

She is responsible for turning the National Association of Equipment Leasing Brokers around, best said by those Leasing News Advisors who nominated her…

Ken Greene,

"I usually stay quiet about these things, but I would strongly recommend Monica Harper, Executive Director of the AACFB, as Leasing Person of the Year. I have been General Counsel for almost three years now, and have worked very closely with Monica. She has had some readily recognizable accomplishments, like increasing membership, enhancing benefits, introducing new programs, and overseeing excellent conferences. Beyond that, she has navigated some very turbulent waters involving the constituency of the board and the revision of the bylaws, not to mention the handoff from Fernley & Fernley. I have seen firsthand the way Monica works. She is tough but diplomatic, perspicacious and dedicated, organized and industry savvy. I can honestly say that Monica has been critical to the survival and continued growth and resurgence of the AACFB, and that, without here, we would be a much different association."

Steve Crane, CLFP
BSB Leasing

"I have been giving it some thought and agree with Ken Greene that Monica Harper of AACFB would be a good choice for Leasing Person of the Year.  As a member of AACFB, we have seen some very positive things come out of the organization under Monica's watch.  They seem to be adapting to the changing environment of the commercial brokers, as evidenced by their name change from NAELB as well as adding new members that are not necessarily in the equipment finance space.  Have been racking my brain for a good pick, but keep coming back to Monica."

David C. Lee
North Mill Capital Finance

"After reflecting on this for the past few days, I agree with Ken Greene and Steve Crane that Monica Harper of AACFB would be a great choice. As a member and recent speaker at AACFB, I worked closely with Monica in preparation for the last Annual Conference. She was always thinking about what was best for the membership of AACFB and the challenges members face with the disruptions occurring from technology and the need to cultivate the next generation of leasing brokers.  Her progressive activism has, in my mind, given new life to AACFB and helps address an important segment of the industry that is not addressed by NEFA and ELFA."

Phil Dushey
Global Financial Services

"I also agree. Monica is a great and dedicated person in our industry. She would be a very good choice." 

(Would like to thank Shari Lipski, CLFP, for her help in arranging the presenting of the award, as well as Bob Teichman, CLFP, for proofing of this news issue as Ralph Mango was not available. Editor).



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

AACFB Hosts Successful First Virtual Conference
By Monica Harper, Executive Director

The American Association of Commercial Finance Brokers (AACFB) wrapped up its first virtual conference on Friday, September 25 and by all accounts the event was a success. The 2020 AACFB Annual Conference was originally scheduled to take place in May at Caesars Palace in Las Vegas but was forced to postpone and later move to a completely virtual platform due to the COVID-19 pandemic.

The usual three day in-person format was spread over five days to allow the 215 attendees to participate in more than twenty educational sessions as well as a Speed Dating segment, which introduced brokers to over a dozen funding sources and service providers. Attendees were able to meet face-to-face via video chat with thirty-one exhibitors during the virtual tradeshow, which was open for two hours each day of the conference. Attendees also had the opportunity to arrange one-on-one video chat meetings during the event.

AACFB Executive Director, Monica Harper stated, “We were very pleased with the activity level of attendees at our first virtual event. The virtual sessions drew even higher attendance than some sessions at in-person events. I believe the accessibility of the platform and the ability of attendees to tend to work responsibilities while also participating in virtual education contributed to the high attendance of the sessions. Attendees will also have access to the virtual platform for the next twelve months so they can view any sessions they missed and download session materials, which is a bonus of this virtual conference.”

The event not only provided educational programming and a virtual tradeshow, it also included entertainment and opportunities to relax and network. Several days of the event began with yoga sessions to help attendees relax and get focused for the day. The first day was capped off with a few laughs from professional comedian, Marty Simpson who engaged attendees with his brand of self-deprecating humor. Wednesday’s Women in Finance Happy Hour was fun and informative as attendees were able to see some familiar faces and get acquainted with a few new ones while competing in a lively 80s trivia game dominated by Stephanie Hall with BankFinancial Equipment Finance. All attendees were able to earn points throughout the conference by participating in various activities, which positioned them on the conference leaderboard. The top 25 attendees on the leaderboard won door prizes donated by sponsors and exhibitors.

The virtual conference culminated in the Annual Business Meeting, where Immediate Past President, Paul Burnham, Past President, Sheri Bancroft, and former Secretary/Treasurer Jim Phelps were honored for their service on the AACFB Board of Directors. AACFB Executive Director, Monica Harper was also officially presented with the 2019 Leasing News Person of the Year Award by Shari Lipski with ECS Financial Services who attended the event on behalf of Leasing News. Paul Burnham then presented the 2020 AACFB President’s Award posthumously to founding member Neil Roth with Key Credit Corporation. Neil’s wife Carol and daughter Jodi were present to accept the award on Neil’s behalf in a moving tribute. The meeting concluded with an announcement by current AACFB President, Cindy Downs who invited attendees to the 2021 AACFB Annual Conference scheduled to take place April 21-23, 2021 in Portland, Oregon.

About American Association of Commercial Finance Brokers (AACFB)
The American Association of Commercial Finance Brokers (AACFB), formerly the NAELB, is the premier trade association empowering independent commercial finance brokers. The AACFB represents the expanding interests of its growing membership by providing best practice education and networking opportunities, while promoting a culture of ethics. For more information visit:

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


Top Ten Leasing News
September 21 - September 25

(Stories most opened by readers)

(1) No Longer taking Broker/Discounting Business
    plus Leasing Companies Out of Business

(2) No Response from Amur Equipment Finance
  To Multiple Telephone Calls and Emails
    By Christopher Menkin, Editor

(3) More Sales People Available,
  Maybe from Amur Equipment Finance
    By Christopher Menkin, Editor

(4) John Blazek, retired CLP, Passes Away
    Active in His Leasing/Finance Days

(5) New Hires/Promotions in the Leasing Business
    and Related Industries

(6) Link Working to Alliance Capital
    Please go to learn more:

(7) Directors, Officers Buying Stock in Marlin Business Services
    Confidence in Stock, Driving Price Up?

(8) Funders Looking for Broker Business

(9) IRS finalizes regulations
    for 100 percent bonus depreciation

(10) San Francisco Bay Area applicants flood program
     that pays them $10,000 to leave California




Leasing Industry Help Wanted




Evolutionary of Technology


Sales Make it Happen
by Leasing News Readers

Sales Techniques

These are sales techniques sent in by readers from time-to-time in reaction to many of the "Sales make it Happen" columns. They were all received "off the record." They are not in chronological order or in any special order, meaning more important than another. If you care to add to the next group that is published:

"When a customer asks what is the best rate or term to get the best rate, I always go into letting them know, if they are going to write off the payments, the shorter the term, the better the write-off. But also the higher the monthly payment. Whether they are going to depreciate or write-it off is up to them and their accountant ---and I try not to give advice. The idea is to move from rate to monthly payment. Once they are at this point, I give them a 36 month, 48 months and 60 month quote. The attention this is to the monthly payment, not the rate. "

"When I am asked to compare a rate with another quote, I try to move the customer to another term, talking about a shorter term being good to get the lease over with, but the longer term is a lower payment. Most often the quote comparison goes into a 36 or 60 month quote. If I can find out the quote, it is better as I give a slightly lower rate, and then go back to the shorter time period versus the longer time period, and when the customer seems he can't decide which direction, or what is best for him, I move him into a 48 months, which he does not have, and tell him it is a compromise between the higher payment and the lower payment, the best of both worlds, and it is the safest for him."

"My goal is to get the customer to talk more about the equipment that he wants to lease and why he needs it. The more he realizes the value and what it will do for the company, the more important it becomes to him to acquire it. I also don't look at returning to the customer as being afraid he is going to ask more questions, or go back to pricing, but as an opportunity to learn more about his business, the equipment, his goals, and trying to move him into a Master Lease where he can draw down upon it and be more concerned and spend more time running his company. "

"This is something that has always worked for me, if I work out a quote, I think about what Wal-Mart and other retailers do. If it is $402 a month, I make it $398.98. If it is $310 a month, I move it to $295 first and last two, taking two months as a security deposit and billing for the first month, when the equipment is delivered and accepted. This works especially when deliver will not be for a few weeks or longer."

"I will try and make the payment more like a retailer, instead of a number. For instance if it is $272.89, I will make it $274.10 or $372.05. I have found the number that stays in their head is the cents number. Over the years, I can move the dollar up, and the cents down, and win the deal every time."

"I often go in with a high 36 month quote, knowing they won't take it, but if they do, it is a higher commission, as I have found they look primarily at the 60 month rate. I always give the 60 month rate the lowest I can, and make the 48 month the better of the two as the numbers work to the applicant's advantage. I move them away from the shorter term to a in-between period. Works all the time for me."

"The numbers are important, meaning $249.00 a month is better than $251 a month, or $810 is not as good as $798.00. Often the lessee realizes that the price is being changed, and I tell them I wanted it below $800, as that was too high, but $798 is okay."

"When I dealing with a tough customer who wants to negotiate, I let him know that in the beginning I know he wants the best rate. I recognize right away he wants the lowest rate, so first I get an approval, which may take financials and a package, and when I get the approval, I tell him, I know you wanted the best rate, and I don't control the rate, but I got my bank (or credit committee) or company to give you the pricing for over $50,000, although this is $38,000. If the equipment is $75,000, I got the pricing for leases over $100,000. It's the best I can do."

"Never lower your rate. If you start negotiating, you will lose. Certain "characters" always want to barter, it's in their culture. If you know you are going into this type of situation, go in with a FMV or 10% residual (using a $1.00 rate factor.) Even if they want $1.00 in the beginning, quote with a FMV or 10% residual. Most likely they will reject the monthly payment no matter what it is, but when you come back, you tell them again, you don't control the rate, but you got your company to waive the 10% residual. You got your company to do the deal with the same monthly payment, but with a $1.00 purchase option."

"Don't laugh, but I think my customers can read my mind. When I meet with them, I try to have a positive thought. In my mind, I purposely think : "This is the best I can do for you." " I like you." "I am proud to be helping you." "I am doing the best I can."---Never negative, never not doing the best I can, and when I leave, I always make it a positive thought to say, "What a great guy." "What a great company." "I did the best I could for him." Being positive in my thought as I really think my customers can read what I am thinking."

29 Psychological Tricks To Make You Buy More
  Also Applies to Quoting in Leasing and Finance



CLFP Foundation Reaches 932 Professionals
24 Individuals Passed 8-Hour CLFP Exam

The Certified Lease and Finance Professional designation identifies an individual as a knowledgeable professional to employers, clients, customers, and peers in the equipment finance industry. There are currently 932 active Certified Lease & Finance Professionals and Associates in the United States, Canada, India and Australia.

Christopher Bakos, CLFP
Senior Vice President
Univest Capital, Inc.

Russell Bass, CLFP
Software Engineer
Ivory Consulting Corporation

Lexi Clayton, CLFP
Assistant Vice President, Project Manager
First American Equipment Finance

Jamie Engle, CLFP
Assistant Vice President, Project Manager
First American Equipment Finance

Gillian Foster, CLFP Associate
Vice President, Learning and Development
First American Equipment Finance

Lisa Hartley, CLFP
Vice President, Sales
Univest Capital, Inc.

Robert Hoffkins, CLFP
Assistant Vice President
First American Equipment Finance

Katie Jones, CLFP
Equipment Finance Sales Support Specialist
Arvest Equipment Finance

Katie Lewis, CLFP Associate
Systems Analyst
First American Equipment Finance

Timothy Kehoe, CLFP
Regional Finance Manager
Presidio Technology Capital LLC

Timothy McConnell, CLFP
Sales & Marketing Representative
Navitas Credit Corp.

Justin McIntyre, CLFP Associate
Director of Information Security and Engineering
First American Equipment Finance

Conor McKenna, CLFP
Assistant Vice President, Project Manager
First American Equipment Finance

Nicole Miller, CLFP
Senior Business Development Manager of Broker Services
NewLane Finance

Rosalynn Ostler, CLFP
Assistant Vice President, Asset Management
Crestmark Equipment Finance

Robert Quinn, III, CLFP
Vice President
First American Equipment Finance

Scott Ruettgers, CLFP
Healthcare Wholesale Leasing Manager
Key Equipment Finance

Cody Sanguinetti, CLFP
Business Development Manager
Great American Insurance Group

Linda Schenkel, CLFP
Vice President, Loan and Lease Documentation
The Pitney Bowes Bank, Inc.

Galit Shkurenko, CLFP Associate
Accounting Supervisor
ECS Financial Services, Inc.

Robert Smith, CLFP
Senior Vice President, Director of Capital Markets
Univest Capital, Inc.

Alison Stromberg, CLFP Associate
Assistant Vice President
First American Equipment Finance

Stephanie Williamson-Horn, CLFP
AVP, Project Manager
First American Equipment Finance

Kyle Zaffuto, CLFP
Project Manager
First American Equipment Finance

Linda Schenkel, CLFP, VP, Pitney Bowes Bank, attended the online  Academy for Lease and Finance Professionals (ALFP), a three-day event designed to fully prepare an individual to sit for the CLFP exam assuming the attendee has already self-studied. ALFP hosted by Great American Insurance Group in August and states, “As a professional dedicated to the equipment leasing and finance industry, I am always eager to continue my education in all aspects of the industry. I chose to pursue the CLFP designation as an opportunity to join an elite group of peers who have demonstrated broad industry knowledge and a commitment to high standards.

Rosalyn Ostler, CLFP, Asst. VP, Crestmark Equipment Finance, attended the online ALFP hosted by IDS earlier this month and noted, “Throughout my career, I have worked in several areas of the equipment leasing and finance industry, including Asset Management, Pricing, Documentation and Collections. Earning the CLFP designation has allowed me to further broaden my knowledge and skills. This designation has also provided me the opportunity to join an elite network of professionals who have gained mastery in all aspects of the industry.”



Academy for Certified Lease & Finance Professionals
Two Sessions, Two Virtual Online

A screen shot from the first day of the first online Academy
for Leasing and Finance Professionals by U.S. Bank Equipment Leasing

The Academy for Lease and Finance Professionals (ALFP) is a three-day event designed to fully prepare an individual to sit for the CLFP exam assuming the attendee has already self-studied. During the first two days, all of the required sections of the CLFP exam are covered in-depth and on the third day, the exam is offered, but not mandatory.

Students are strongly advised to have read and studied The Certified Lease & Finance Professionals' Handbook prior to attending the class in order to ensure success.

Tamarack Consulting, Inc. Online  Public  ALFP
October 8 - 10, 2020

Ascentium Capital Private ALFP (Scottsdale, AZ)  Virtual
When - Jan 7 – 9, 2021
Where - 4141 N. Scottsdale Rd., Scottsdale, AZ 85251 (Keyser Conference Room)

If you are interested in attending, please contact Reid Raykovich, Executive Director:

About Academy


Visualizing the Range of EVs on Major Highway Routes

click image to view larger

Full Story:



When You Don't Make a Payment on Your Tesla




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

California Department of Business Oversight Prepares
to Become Department of Financial Protection and Innovation

With Governor Gavin Newsom’s signing of AB 1864, the California’s Department of Business Oversight (DBO) expands its authority as a premier financial regulator and national model for consumer protection.

The DBO will be re-named the California Department of Financial Protection and Innovation. Under the new California Consumer Financial Protection Law (CCFPL) the department will have expanded enforcement powers to protect California consumers from pandemic-inspired scams, promote innovation, clarify regulatory hurdles for emerging products and increase education and outreach for vulnerable groups. Signed today, the sweeping changes enacted in AB 1864 will go into effect on Jan. 1, 2021.  

Business, Consumer Services and Housing Agency Secretary Lourdes Castro Ramírez, declared,“This is a landmark law to protect all Californians. It is now even more important with the financial challenges faced by many individuals and households impacted by the economic losses caused by the COVID-19 pandemic and the recent wildfires. We are ready and committed to supporting the success of the Department of Financial Protection and Innovation as they expand their mission and oversight to protect our most vulnerable Californians.” 

DBO Commissioner Manuel P. Alvarez. added, “We have already seen an increase in predatory financial lending and scams as the most vulnerable in our state try to weather the economic downturn induced by the COVID-19 pandemic,” DBO Commissioner Manuel P. Alvarez said. “This legislation will allow us to increase consumer protections without imposing undue burdens on honest and fair operators.  

“In addition, it will help us cultivate financial innovation, and allow the department to track and regulate emerging financial products so we can serve consumers and licensees in a more meaningful and efficient way.” 

The new law creates an Office of Financial Technology Innovation that will engage with new industries and consumer advocates to encourage consumer friendly innovation and job creation in California.    
Starting January 1, 2021, the department will have new regulatory powers to protect consumers from unfair, deceptive or abusive practices committed by currently unlicensed financial services or products, including credit reporting bureaus and credit repair agencies.  

The new authority will extend to financial services not currently subject to the department’s regulatory oversight, including industries that currently exist unregulated in California or new products or services that may enter the market in the future.   

A new Division of Consumer Financial Protection will also be established, featuring a market monitoring and research arm to keep up with emerging financial products. And consumer outreach to target vulnerable populations, such as students, new Californians, military service members and senior citizens will be expanded. 

The department’s expansion includes 90 additional employees to be hired over three years to focus on the new activities, representing a 13 percent increase in staffing.  The department will immediately begin the process of adding staff and meeting with stakeholders to engage in a public education campaign as it prepares for its expanded regulatory oversight.  

AB 1864’s lead author was Assemblywoman Monique Limón (D-Santa Barbara), who was instrumental in negotiating final details of the package that passed with the support of consumer advocates as well as many financial services providers. An Assembly Budget Committee measure, AB 107, will enact financial details of the plan and will immediately change the DBO’s name to the Department of Financial Protection and Innovation once it is signed into law. 

The DBO licenses and regulates financial services, including state-chartered banks and credit unions, money transmitters, securities broker-dealers, investment advisers, nonbank installment lenders, payday lenders, mortgage lenders and servicers, escrow companies, PACE (Property Assessed Clean Energy) program administrators, and franchisors.

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


Greater Swiss Mountain Dog & Retriever Mix
Salt Lake City, Utah  Adopt a Dog


House Trained
Vaccinations up to date
Prefers a Home without Children

Meet Clifford

Big, playful, LOVES to play with other dogs! Clifford needs a home with a person familiar to working with large breed dogs and won't be intimidated by his size. He can be a bit pushy in his communication with humans, but only when that behavior works! Strong leadership with consistent instruction will be necessary for Clifford to settle in with his new family and find his place in his ""pack"". With instruction and clearly set boundaries, Clifford will thrive in his new home! Check in with a member of our staff for more information about Clifford and his training needs and whether he'd be a good fit for your household. For additional information regarding this pet please contact Utah Animal Adoption Center at (801) 355-PETS (7387).

Our shelter is located at 1955 N. Redwood Road in Salt Lake City.

Open hours to the public are Tuesday - Saturday, 11 AM - 6 PM. Please note that we stop showing animals at 5 PM.
Prefers appointment to visit.

Utah Animal Adoption Center
1955 N. Redwood Road
Salt Lake City, UT 84116
(801) 355-7387


The days of attending an on-site event, being surrounded by people seems like a lifetime ago. Not knowing who you'll bump into or meet while wandering the exhibit hall or grabbing a quick coffee was all a part of the networking experience at in-person events.

The National Vehicle Leasing Association understands the importance of networking for our attendees, sponsors and exhibitors. That's why we have selected PheedLoop as our virtual conference platform. PheedLoop strives to deliver a networking experience that is just as impactful and efficient as it is in-person.

Within PheedLoop, attendees have a communications sidebar that follows you around the platform and is context-aware. That means that no matter where you are within the event - the lobby, exhibit hall, sessions - the sidebar will update and allow you to chat with people at that given location. It allows attendees to meet other like-minded people who may have been sitting next to them in a room, grabbing coffee, or going for the same bag of chips during a break in real time.

Attendees receive a push notification if another attendee is looking to connect. From there, attendees are able to connect in private conversations via chat box or video calling. See for yourself at the 2020 NVLA Virtual Annual Conference!

Plan out your day to network:

Virtual Exhibit Hall:
October 14 - 15
10:30 a.m. - 3:30 p.m. ET

Virtual Happy Hour:
October 14 - 15
3:30 p.m. - 4:00 p.m. ET

Online registration for the virtual meeting is open! The registration rates for the virtual Annual Conference have been discounted from the in-person meeting rates.

Original Conference Registration        Virtual Conference Registration
NVLA Member     $695                       $249
Non-Member       $795                       $299

NVLA Virtual Conference Registration

Conference Program:


News Briefs---

Twenty-one states are reporting increased Covid-19
     cases as experts warn of a fall surge

Google updates Maps to show how bad coronavirus
   is in your area via Google Maps

Grocers Stockpile, Build ‘Pandemic Pallets’
    Ahead of Winter

“Lower-pay, higher-risk”: Coronavirus layoffs
    send middle-class workers down the economic ladder



You May Have Missed---

Trump Taxes Show Chronic
 Losses and Years of Income Tax Avoidance
    New York Times Report

18 Revelations from a Trove of Trump Tax Records


NFL legend Joe Montana and wife rescue
     grandchild from would-be ‘kidnapper’

Raiders return to earth in one-sided road loss to Patriots

49ers 36, Giants 9: Highs, lows and all you need
    to know as Nick Mullens, defense rule day

Nick Foles sparks Chicago Bears to fourth-quarter comeback
    as Atlanta Falcons collapse late again

Stephen Gostkowski saves Titans again
     as Vikings tumble to 0-3

Steelers stay perfect,
     keep Texans winless in 28-21 victory


California Nuts Briefs---

Update: 2,000 residents under evacuation orders
     as Glass fire reaches 1,200 acres early Sunday afternoon

Napa County home price hits all-time median high,
    with flood of new buyers from Bay Area

1,000 likely died early due to California’s wildfire smoke

California passes first-in-nation plastics recycling law

South San Jose’s Fish Market restaurant will close permanently



“Gimme that Wine”

Napa vintner will leave grapes on the vine
    this year after Hennessey Fire

Winemakers Face Up to Smoke Taint Reality

Candy Mountain Becomes Washington's
    16th American Vinicultural Area


Free Wine App

Wine Prices by vintage


This Day in History

     1542 - California is discovered by Portuguese navigator Juan Rodriguez Cabrillo who reached San Diego Bay. His birth date is unknown but is generally recognized as 1499. The Cabrillo National Monument marks his landfall and Cabrillo Day is still observed in California (in some areas on the Saturday nearest Sept 28). Cabrillo left Navidad, Mexico on June 27, and landed at what is now known as Ballast Point, San Diego, CA. He continued his explorations and discovered Santa Catalina Island, San Pedro Bay, the Santa Barbara Channel, San Francisco Bay, and other West Coast landmarks. Other Europeans had encountered the Pacific Ocean previously, including Vasco Nunez de Balboa, who had laid eyes on the Pacific in 1513, and Ferdinand Magellan, who had sailed across the Pacific in 1520-21 during the first circumnavigation of the world. Like many other explorers, he sailed by the entrance to the San Francisco Bay, which was shrouded in fog. Cabrillo died at San Miguel Island, CA, Jan 3, 1543, from an accident on a rock that infected him with gregarine.
    1781 - American forces in the Revolutionary War, backed by a French fleet, began their siege of Yorktown Heights, Va.
    1787 - The newly completed US Constitution was approved by Congress to be sent to the state legislatures to be ratified.
    1836 – The first of 3 early snows for the year hit the northeast.  Hamilton, NY had 4 inches and Ashby, MA had 2 inches.
    1839 – Birthday of Frances Elizabeth Caroline Willard (d. 1898), Churchville, NY.  She was one of the best-known and most influential women of the 19th century.  Known for her temperance and suffrage work, she was also influential in education.   She was one of the first women to become an administrator of a major university when she was made dean of women for Northwestern University’s Women’s College. 
    1850 – Brigham Young, Mormon leader, was named first governor of the territory of Utah by Pres. Fillmore.
    1856 – Kate Douglas Wiggin (d. 1923) was born at Philadelphia, PA. She helped organize the first free kindergarten on the West Coast in 1878 at San Francisco and, in 1880, she and her sister established the California Kindergarten Training School. After moving back to the east coast, she devoted herself to writing, producing a number of children’s books including “The Birds’ Christmas Carol”, “Polly Oliver’s Problem” and “Rebecca of Sunnybrook Farm”.
    1867 – Toronto becomes the capital of Ontario
    1886 – The Statue of Liberty was dedicated in New York Harbor and women were barred from the ceremony because of concerns of over- crowding and rough for the ladies.  But a group of women chartered a boat and circled the island singing and shouting women’s rights messages.
    1892 – The first night game in US football took place between Wyoming Seminary and Mansfield State Normal.
    1895 - At a convention in Atlanta, three Baptist groups merged to form the National Baptist Convention. It is today the largest African-American denomination in America and the world.
    1901 - Birthday of Ed Sullivan (d. 1974) in NYC: A well-known columnist, who lived in Port Chester, New York, and, in his day, was the King of TV variety shows.  Sullivan started his media career in 1932 as a sportswriter for the Daily News in New York. His popular variety show, “The Ed Sullivan Show” (“Toast of the Town”), ran from 1948 until 1971. It included such sensational first time public appearances from such stars as Elvis Presley and the Beatles. It is fair to say that in his day, he owned New York.
    1901 – William S. Paley (d. 1990), the founder of CBS, was born in Chicago.  Paley's father was an immigrant who ran a cigar company. As the company became increasingly successful, Paley became a millionaire, and moved his family to Philadelphia in the early 1920s.  William had graduated from the Wharton School of the University of Pennsylvania.  In 1927, Paley's father, brother-in-law and some business partners bought a struggling Philadelphia-based radio network of 16 stations called the Columbia Phonographic Broadcasting System.  The intention was to use his acquisition as an advertising medium for promoting the family's cigar business. Within a year, under William's leadership, cigar sales had more than doubled, and, in 1928, the Paley family secured majority ownership of the network from their partners. Within a decade, William S. Paley had expanded the network to 114 affiliate stations.  During World War II, Paley served in the Office of War Information, under General Eisenhower. It was while based in London during the war when Paley came to know and befriend Edward R. Murrow, CBS's head of European news. In 1946, Paley promoted Frank Stanton to president of CBS. CBS expanded into TV and rode the post-war boom to surpass NBC.
    1909 – Cartoonist Al Capp (d. 1979) was born Alfred Gerald Caplin in New Haven, CT.  He is best known for the satirical strip “Li’L Abner”.
    1912 - W.C. Handy's “Memphis Blues” is published, changing the course of American popular music.
    1918 - MILLER, OSCAR F., Medal of Honor
Rank and organization: Major, U.S. Army, 361st Infantry, 91st Division. Place and date: Near Gesnes, France, 28 September 1918. Entered service at: Los Angeles, Calif. Birth: Franklin County, Ark. G.O. No.: 16, W.D. 1919. Citation: After 2 days of intense physical and mental strain, during which Maj. Miller had led his battalion in the front line of the advance through the forest of Argonne, the enemy was met in a prepared position south of Gesnes. Though almost exhausted, he energetically reorganized his battalion and ordered an attack. Upon reaching open ground the advancing line began to waver in the face of machinegun fire from the front and flanks and direct artillery fire. Personally leading his command group forward between his front-line companies, Maj. Miller inspired his men by his personal courage, and they again pressed on toward the hostile position. As this officer led the renewed attack he was shot in the right leg, but he nevertheless staggered forward at the head of his command. Soon afterwards he was again shot in the right arm, but he continued the charge, personally cheering his troops on through the heavy machinegun fire. Just before the objective was reached he received a wound in the abdomen, which forced him to the ground, but he continued to urge his men on, telling them to push on to the next ridge and leave him where he lay. He died from his wounds a few days later.
    1918 - SCHAFFNER, DWITE H., Medal of Honor
Rank and organization: First Lieutenant, U.S. Army, 306th Infantry, 77th Division. Place and date: Near St. Hubert's Pavillion, Boureuilles, France, 28 September 1918. Entered service at: Falls Creek, Pa. Birth: Arroya, Pa. G.O. No.: 15, W.D., 1923. Citation: He led his men in an attack on St. Hubert's Pavillion through terrific enemy machinegun, rifle, and artillery fire and drove the enemy from a strongly held entrenched position after hand-to-hand fighting. His bravery and contempt for danger inspired his men, enabling them to hold fast in the face of 3 determined enemy counterattacks. His company's position being exposed to enemy fire from both flanks, he made 3 efforts to locate an enemy machinegun which had caused heavy casualties. On his third reconnaissance he discovered the gun position and personally silenced the gun, killing or wounding the crew. The third counterattack made by the enemy was initiated by the appearance of a small detachment in advance of the enemy attacking wave. When almost within reach of the American front line the enemy appeared behind them, attacking vigorously with pistols, rifles, and hand grenades, causing heavy casualties in the American platoon. 1st Lt. Schaffner mounted the parapet of the trench and used his pistol and grenades killing a number of enemy soldiers, finally reaching the enemy officer leading the attacking forces, a captain, shooting and mortally wounding the latter with his pistol, and dragging the captured officer back to the company's trench, securing from him valuable information as to the enemy's strength and position. The information enabled 1st Lt. Schaffner to maintain for S hours the advanced position of his company despite the fact that it was surrounded on 3 sides by strong enemy forces. The undaunted bravery, gallant soldierly conduct, and leadership displayed by 1st Lt. Schaffner undoubtedly saved the survivors of the company from death or capture.
    1918 - STOWERS, FREDDIE, Medal of Honor
Corporal Stowers, a native of Anderson County, South Carolina, distinguished himself by exceptional heroism on 28 September 1918, while serving as a squad leader in Company C, 371st Infantry Regiment, 93rd Infantry Division. His company was the lead company during the attack on Hill 188, Champagne Marne Sector, France, during World War I. A few minutes after the attack began, the enemy ceased firing and began climbing up onto the parapets of the trenches, holding up their arms as if wishing to surrender. The enemy's actions caused the American forces to cease fire and to come out into the open. As the company started forward and when within about 100 meters of the trench line, the enemy jumped back into their trenches and greeted Corporal Stowers' company with interlocking bands of machine gun fire and mortar fire causing well over fifty percent casualties. Faced with incredible enemy resistance, Corporal Stowers took charge, setting such a courageous example of personal bravery and leadership that he inspired his men to follow him in the attack. With extraordinary heroism and complete disregard of personal danger under devastating fire, he crawled forward leading his squad toward an enemy machine gun nest, which was causing heavy casualties to his company. After fierce fighting, the machine gun position was destroyed and the enemy soldiers were killed. Displaying great courage and intrepidity, Corporal Stowers continued to press the attack against a determined enemy. While crawling forward and urging his men to continue the attack on a second trench line, he was gravely wounded by machine gun fire. Although, Corporal Stowers was mortally wounded, he pressed forward, urging on the members of his squad, until he died. Inspired by the heroism and display of bravery of Corporal Stowers, his company continued the attack against incredible odds, contributing to the capture of Hill 188 and causing heavy enemy casualties. Corporal Stowers' conspicuous gallantry, extraordinary heroism and supreme devotion to his men were well above and beyond the call of duty, follow the finest traditions of military service and reflect the utmost credit on him and the United States Army.
    1920 - Eight members of the 1919 Chicago White Sox were indicted by a grand jury in Chicago on charges that they conspired to fix the 1919 World Series and allowed the Cincinnati Reds to win. According to Wikipedia, on this day, Eddie Cicotte and Shoeless Joe Jackson confessed their participation in the scheme to the grand jury. White Sox owner Charles Comiskey immediately suspended the eight. They were acquitted, but were nevertheless banned from baseball for life by the new and first Commissioner of Baseball, Kennesaw Mountain Landis.
    1928 - Glen Gray's orchestra recorded “Under a Blanket of Blue”, with Kenny Sargeant on vocals.
    1930 - Lou Gehrig's errorless streak ends at 885 consecutive baseball games. The winning pitcher is Babe Ruth, beating the Red Sox 9-3.
    1934 - Birthday of French sex symbol Brigitte Bardot, born Camille Javal, Paris, France.
    1937 - President Franklin D. Roosevelt dedicates Bonneville Dam on Columbia River,  Oregon.
    1938 – Birthday of Ben E. King (d. 2012) born Benjamin Earl Nelson, Singer, songwriter, Henderson, NC.
    1939 - America's most noted woman pilot, Jacqueline Cochran, wrote Eleanor Roosevelt to suggest women pilots could release American men pilots for combat duty in the war that was certainly coming. It would take until July 2, 1941 for a meeting to be scheduled between them.  Mrs. Roosevelt then asked President Franklin Roosevelt to join the discussion. The President agreed to Cochran's plan but politics would hold up implementation of the WASP program for another year.
    1941 - Ted Williams of the Boston Red Sox, starting the day with a batting average of .3995, went six-for-eight in a doubleheader against the Philadelphia Athletics to finish the season with a batting average of .406.   This is the last time a Major Leaguer finished the season with a batting average above .400.  Williams rejected manager Joe Cronin's suggestion to sit out the day and have his average rounded up to .400. He went four-for-five in the first game to raise his average to .4040 and got two hits in three at-bats in the nightcap. This remains the last time anyone hit over .400 for the season.
    1942 - BAUER, HAROLD WILLIAM, Medal of Honor
Rank and organization: Lieutenant Colonel, U.S. Marine Corps. Born: 20 November, 1908. Woodruff, Kans. Appointed from: Nebraska. Citation: For extraordinary heroism and conspicuous courage as Squadron Commander of Marine Fighting Squadron 212 in the South Pacific Area during the period 10 May to 14 November 1942. Volunteering to pilot a fighter plane in defense of our positions on Guadalcanal, Lt. Col. Bauer participated in 2 air battles against enemy bombers and fighters outnumbering our force more than 2 to 1, boldly engaged the enemy and destroyed 1 Japanese bomber in the engagement of 28 September and shot down 4 enemy fighter planes in flames on 3 October, leaving a fifth smoking badly. After successfully leading 26 planes on an over-water ferry flight of more than 600 miles on 16 October, Lt. Col. Bauer, while circling to land, sighted a squadron of enemy planes attacking the U.S.S. McFarland. Undaunted by the formidable opposition and with valor above and beyond the call of duty, he engaged the entire squadron and, although alone and his fuel supply nearly exhausted, fought his plane so brilliantly that 4 of the Japanese planes were destroyed before he was forced down by lack of fuel. His intrepid fighting spirit and distinctive ability as a leader and an airman, exemplified in his splendid record of combat achievement, were vital factors in the successful operations in the South Pacific Area.
    1944 - ROEDER, ROBERT E., Medal of Honor
Rank and organization: Captain, U.S. Army, Company G, 350th Infantry, 88th Infantry Division. Place and date: Mt. Battaglia, Italy, 27-28 September 1944. Entered service at: Summit Station, Pa. Birth: Summit Station, Pa. G.O. No.: 31, 17 April 1945. Citation: for conspicuous gallantry and intrepidity at risk of life above and beyond the call of duty. Capt. Roeder commanded his company in defense of the strategic Mount Battaglia. Shortly after the company had occupied the hill, the Germans launched the first of a series of determined counterattacks to regain this dominating height. Completely exposed to ceaseless enemy artillery and small-arms fire, Capt. Roeder constantly circulated among his men, encouraging them and directing their defense against the persistent enemy. During the sixth counterattack, the enemy, by using flamethrowers and taking advantage of the fog, succeeded in overrunning the position Capt. Roeder led his men in a fierce battle at close quarters, to repulse the attack with heavy losses to the Germans. The following morning, while the company was engaged in repulsing an enemy counterattack in force, Capt. Roeder was seriously wounded and rendered unconscious by shell fragments. He was carried to the company command post, where he regained consciousness. Refusing medical treatment, he insisted on rejoining his men although in a weakened condition, Capt. Roeder dragged himself to the door of the command post and, picking up a rifle, braced himself in a sitting position. He began firing his weapon, shouted words of encouragement, and issued orders to his men. He personally killed 2 Germans before he himself was killed instantly by an exploding shell. Through Capt. Roeder's able and intrepid leadership his men held Mount Battaglia against the aggressive and fanatical enemy attempts to retake this important and strategic height. His valorous performance is exemplary of the fighting spirit of the U.S. Army.
    1945 - Robert Todd Duncan (1903-98), a baritone of Washington, DC, became the first African-American opera singer to sing a white role with a white cast, appearing as Tonio in “I Pagliacci,” and then as Escamillo in “Carmen” on September 30 in the New York City Opera Company's presentation at the City Center of Music and Drama, New York City.
    1951 – The Yankees’ Allie Reynolds pitched his second no-hitter of the season, blanking the Red Sox, 8-0.  In the second game of the doubleheader, the Yanks clinched the AL pennant, their third in a row.
    1951 – CBS launches the first color TVs for sale to the general public, but the product is discontinued less than a month later.
    1954 – Birthday of Steve Largent, Tulsa, OK.  Hall of Fame wide receiver for the Seattle Seahawks, in a stellar 14-year career, he retired with many if not most of the NFL’s receiving records that were obliterated later by Jerry Rice.  Following his NFL career, Largent served in the House for Oklahoma, from 1994 until 2002.  Largent became President and CEO of CTIA-The Wireless Association in November 2003 and served until May 2014. CTIA is an international nonprofit membership organization founded in 1984, representing all sectors of wireless communications: cellular, personal communication services, and enhanced specialized mobile radio.
    1954 - Top Hits
“Sh-Boom” - The Crew Cuts
“Hey There” - Rosemary Clooney
“Shake, Rattle and Roll” - Bill Haley & His Comets
“I Don't Hurt Anymore” - Hank Snow
    1958 - "To Know Him Is To Love Him" by the Teddy Bears, composed and arranged by 18-year-old Phil Spector is released on Dore Records. The title is taken from the inscription on Spector's father's tombstone. The song makes it up to Number One by the end of the year.  Spector also sang the song with the other Teddy Bears, Marshall Loeb and Annette Kleinbard.
    1958 - With 7 hits in his last 11 at-bats, Red Sox outfielder Ted Williams wins his sixth and final batting title, becoming the first 40-year old to lead the league in hitting. The Splendid Splinter's .328 batting average beats out his teammate Pete Runnels, who goes 0-for-4 today and ends up with .322.
    1961 - “Hazel” premiered on TV, based on a comic strip of the same name about a maid working for the Baxter family who gets into everyone's business. Hazel was played by Shirley Booth, and the Baxters were played by Don DeFore, Whitney Blake and Bobby Buntrock. “Hazel” moved from NBC to CBS after the third season and Hazel switched families from George to younger brother, Steve Baxter. These Baxters were played by Ray Fulmer, Lynn Borden and Julia Benjamin. Buntrock and Booth remained. This very successful series also featured Maia Powers and Ann Jillian.
    1961 - On NBC, Richard Chamberlain sang the top-10 hit song "Theme from Dr. Kildare (Three Stars Will Shine Tonight)," and played the part of the handsome, young doctor on NBC. Raymond Massey co-starred in the medi-drama. A year into the show's run, Chamberlain's "Theme from Dr. Kildare" became a hit. On MGM, he also sang "Love Me Tender" and "All I Have to Do is Dream" in 1962 and 1963.
    1961 - A military coup effectively ends the United Arab Republic, the union between Egypt and Syria.
    1962 – US Circuit Court of Appeals orders James Meredith admitted to U of Mississippi.
    1962 - Top Hits
“Sheila” - Tommy Roe
“Ramblin' Rose” - Nat King Cole
“Green Onions” - Booker T. & The MG's
“Devil Woman” - Marty Robbins
    1963 - The legendary New York disc jockey Murray The K receives a copy of The Beatles' "She Loves You" and plays it on the radio. It is believed to be the first Beatles song ever played in the U.S,
    1963 - The Beach Boys' "Little Deuce Coupe" peaks at #15 on the singles chart.
    1968 - The Beatles' "Hey Jude" hits #1 on the singles chart, a position it will hold for 9 weeks. At 7 minutes 11 seconds, it was the longest song ever to hit the Billboard Hot 100 chart, an honor it held until Richard Harris' "MacArthur Park" in 1972 clocked in at 7:20.
    1970 - Top Hits
“Ain't No Mountain High Enough” - Diana Ross
“Lookin' Out My Back Door/Long as I Can See the Light” - Creedence Clearwater Revival
“Julie, Do Ya Love Me” - Bobby Sherman
“There Must Be More to Love Than This” - Jerry Lee Lewis
    1970 - Eric Burdon and War are awarded a Gold record for "Spill the Wine".
    1973 - The Rolling Stones appear on the premiere of Don Kirschner's Rock Concert on ABC, performing "It's Only Rock N' Roll (But I Like It)," marking their first appearance on US television in six years.
    1974 - "Rock Me Gently" by Andy Kim topped the charts and stayed there for a week.
    1974 - Bad Company's self-titled LP hits #1
    1974 – Nolan Ryan of the California Angels pitched his third of seven career no-hitters, striking out 15 and beating the Minnesota Twins, 4-0, in Anaheim.
    1975 - For the first time in Major League history, four pitchers combined on a no-hitter when Vida Blue, Glenn Abbott, Paul Lindblad, and Rollie Fingers of the Oakland A’s blanked the Angels, 5-0, on the final day of the season.
    1976 - World heavyweight boxing champion Muhammad Ali won a unanimous 15-round decision over Ken Norton at Madison Square Garden in New York City.
    1978 - Top Hits
“Boogie Oogie Oogie” - A Taste of Honey
“Kiss You All Over” - Exile
“Hopelessly Devoted to You” - Olivia Newton-John
“I've Always Been Crazy” - Waylon Jennings
    1982 - Poisoning of store merchandise, the first of its kind to have resulted in numerous deaths, took place in and around Chicago, IL.  In a three-day period form September 29 to October 1, 1982, several people died after taking Tylenol, a brand of acetaminophen, which they had bought at local drugstores and supermarkets. A murder who was never apprehended had removed the bottles from store shelves, opened them, added cyanide to the capsules of Tylenol, and replaced them in the stores. The poisonings led to the introduction of wraps and seals on all pharmaceutical products and many other products as well.
    1985 - Phil Collins' "Don't Lose My Number" peaks at #4 on the singles chart.
    1986 - Top Hits
“Stuck with You” - Huey Lewis & The News
“Friends and Lovers” - Gloria Loring & Carl Anderson
“Walk This Way” - Run-D.M.C.
“In Love” - Ronnie Milsap
    1988 – Orel Hershiser of the Dodgers threw ten shutout innings against the San Diego Padres, extending his streak of scoreless innings to 59 and breaking the record set by Don Drysdale in 1968.
    1988 - The first American women to ascent Mount Everest were Stacy Allison of the Northwest American Everest Expedition and Peggy Luce, was who part of the same expedition, who completed her ascent two days later. Both used the South Col route.
    1989 - Jimmy Buffett publishes a book of short stories entitled, "Tales from Margaritaville."
    1989 - Thunderstorms over northeastern Florida drenched Jacksonville with 4.28 inches of rain between midnight and 6 AM EDT. Unseasonably cool weather prevailed in the northeastern U.S. Five cities reported record low temperatures for the date, including Binghamton, NY with a reading of 30 degrees. Morning lows were in the 20s in northern New England. Unseasonably mild weather prevailed in the northwestern U.S., with afternoon highs in the upper 70s and 80s. In Oregon, Astoria reported a record high of 83 degrees
    1991 - R.E.M.'s "Shiny Happy People" peaks at #10 on the singles chart.
    1991 - Dire Straits' "On Every Street" enters the LP chart.
    1991 - "Good Vibrations" by Marky Mark & the Funky Bunch topped the charts and stayed there for 2 weeks.
    1991 - Garth Brooks becomes the first Country artist to enter the Billboard Hot 200 album chart at number one. His "Ropin' the Wind", a collection of Pop and Country tunes, had advance orders of over 4 million copies.
    1995 – Greg Harris of the Montreal Expos became the first pitcher to pitch with both hands in the 20th century. He faced four batters, two from his usual right side and two from the left, in the 9th inning of a 9-7 loss to Cincinnati.
    2001 - In the first home game at Wrigley since the terrorist attacks on America, Sammy Sosa, after hitting his 59th home run of the season, pulls out a small American flag and waves it as he circles the bases. After scoring and making a curtain call from the dugout, the Cub slugger continues to wave Old Glory.
    2001 - On a night he hits his 68th round tripper of the season in quest of Mark McGwire's single season home run record, Barry Bonds is walked for the 163rd time breaking 'Big Mac's' 1998 National League record for bases on balls. The Major League record of 170 walks held by Babe Ruth was broken later that year by Bonds who finished with 177.  Bonds also set the MLB HR record, finishing with 73.
    2003 - Ron Santo, the team's radio color commentator joins Hall of Famers Ernie Banks and Billy Williams becoming third player to have his number retired by the Cubs. The former third baseman, who spent 14 of his 15-year career with the Chicago (1960-73), will have his uniform #10 below Ernie Banks' on the left-field foul pole.
    2003 – Derek Jeter was named by owner George Steinbrenner to be the 11th captain in Yankees history.
    2004 - A Beverly Hills tribute concert in honor of Ray Charles, featuring Stevie Wonder, Michael McDonald, James Ingram, and Patti Austin, raises $15 million for Atlanta's African-American institution, Morehouse College.
    2008 – The New York Metropolitans closed out the Shea Stadium era with a 4-2 loss to the Florida Marlins.
    2012 – Homer Bailey of the Reds pitched the seventh no-hitter of the season, beating the Pirates, 1-0. The seven no-hitters this year tie the modern record set in 1990 and 1991.
    2014 - For the second straight season, a pitcher tossed a no-hitter on the last day of the regular season. After Henderson Alvarez last year, Jordan Zimmerman did the trick as the Washington Nationals beat Miami, 1-0, after rookie left fielder Stephen Souza made a leaping catch to rob the last hitter and preserve the no-no.  It was the first no-hitter in Nats history, although they recorded four such games when they were the Montreal Expos.




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