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

kitmenkin@leasingnews.org
   




Wednesday, January 28, 2015


Today's Equipment Leasing Headlines

Placard --- Cash Flow is King
Classified Ads---Sales
CIT Reports 4th Quarter 2014 Net Income $251 Million
  Full Year Net Income of $1,130 million
The iPhone Helped Apple Make History This Quarter
    Business Insider 
Sales Make it Happen by Steve Chriest
   “Don’t Shoot the Dog”
Leasing Industry Ads---Help Wanted
Leasing Industry Recruiters
  Updated
2015 Finance/Leasing to be a Great Year
   ELFA Report/Lessors Agree
December, 2014  "The List"
--- Mergers, Acquisitions & Changes
"The Good, the Bad and the Ugly"-- 
Leasing News Advisor
   Dale Davis
Mortgage Rates Drift Higher This Week
Border Collie Mix
Austin, Texas Adopt-a-Dog
 Classified ads— Asset Management
News Briefs--- 
Blizzard hits Boston and New England, spares New York despite forecasts
Yahoo to Spin Off Its Stake in Alibaba

Broker/Funder/Industry Lists | Features (writer's columns)
Top Ten Stories Chosen by Readers | Top Stories last six months

www.leasingcomplaints.com (Be Careful of Doing Business)
www.evergreenleasingnews.org
Leasing News Icon for Android Mobile Device

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




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[headlines]

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[headlines]
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Classified Ads---Sales

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

Work Remotely
Business Development - Are you looking to enter/increase your Healthcare lending? Let me identify and qualify healthcare (all verticals) vendors, distributors, and end users who utilize leasing/financing as a tool to sell equipment for you. Many years experience - contact Mitchell Utz at mitutz@msn.com or (215) 460-4483.


Free Posting for those seeking employment in Leasing:
http://www.leasingnews.org/Classified/Jwanted/Jwanted-post.htm

All “free” categories “job wanted” ads:
http://www.leasingnews.org/Classified/Jwanted/Jwanted.htm

 

[headlines]
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CIT Reports 4th Quarter 2014 Net Income $251 Million
Full Year Net Income of $1,130 million
by Christopher Menkin

In multiyear growth mode, CIT Group reported its net profit nearly doubled in its year-end quarter. CIT was forced to rely on TARP, as did many financial institutions, and has emerged to again become a very successful company.  Much of the growth goes to the board of directors with CIT Chief Executive John Thain getting much of the credit along with the company executives and staff.

"We made good progress in 2014 building our commercial franchise," said John Thain, Chairman and Chief Executive Officer. "In addition to growing our assets organically, we made two key acquisitions that will strengthen our commercial franchises and improve returns. Our focus on increasing shareholder value was reflected in the repurchase of more than $775 million of common shares and the increase in our dividend. In 2015, we will continue to build long-term value by focusing on closing and integrating the acquisition of OneWest Bank, returning additional capital to our shareholders, and meeting the financing needs of our small and middle market customers."

Thain told analysts on an "earnings call" that the purchase of Direct Capital, Portsmouth, New Hampshire, as well as Paris-based railcar-leasing company Nacco SAS were "performing well,"  and are integrating into the firm without any problems.

He predicted that the $3.4 billion offer to buy the parent company of OneWest Bank NA will close the first half of the year. A group is opposing the merger on the basis of the branches losing their "community identity," meaning serving their communities because CIT Bank has a different personality, interested primarily in business rather than consumers.  In reality, the marriage would bring benefits to both.

An article in Mainstreet.com quotes Kevin Stein, associate director with the California Reinvestment Coalition (CRC), "“CRC believes that OneWest and CIT Group should look to the example of Banc of California that agreed to create a five year, public, community reinvestment plan."

The CIT Group, including CIT Bank, is very healthy.  Net finance revenue was $373 million, up from $325 million a year ago.

CIT Bank’s total assets grew to $21.1 billion as of Dec. 31, compared with $20.3 billion at the end of the prior quarter. The bank funded $1.9 billion in new business volume during the period, and loans grew to $15 billion from $14.7 billion in the previous quarter.

Full Press Report with Financial Statements
http://ir.cit.com/Cache/27286400.pdf?IID=102820&FID
=27286400&O=3&OSID=9




[headlines]
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The iPhone Helped Apple Make History This Quarter
Business Insider

Apple on Tuesday afternoon announced a truly historic earnings report: It made $18 billion in total profit, which is the most earned by a single company during any quarter in history. And that’s all thanks to the iPhone.

Based on company data charted for us by BI Intelligence, iPhone sales were easily the biggest contributor to Apple’s success this quarter, with 74.4 million iPhone units sold accounting for $51.1 billion (almost 69%) of the $74.6 billion in total quarterly revenue. In the year-ago quarter, Apple sold 51 million iPhones, which brought in $32.5 billion (56%) of the $57.6 billion in revenue.

In other words, Apple’s choice to “go big” with iPhones this year has paid off handsomely for the company in a way we've never seen before.  It's simply a mammoth business right now.

----

Netlingo:

The "iPhone" is a mobile phone introduced by Apple in 2007. Also known as a smart phone, it is considered a revolutionary product because of these technical features: phone calls, voice mail, ringtones, SMS, photos, music, video, Wi-Fi, Internet, e-mail, maps, widgets, multi-touch, OS X, wireless, accelerometer (which senses the orientation of the phone and changes the screen accordingly), proximity sensor, and more, including the most advanced Web browser on a mobile device. It has a 3.5 inch LCD and HVGA touch screen topped (with optical-quality, scratch-resistant glass which is specifically created for use with a finger, or multiple fingers for multi-touch sensing) and weighs only 4.8 ounces (135 grams). Whew, for detailed information on each of the features, click on the "Wikipedia" link below.

In other words, it's a very good thing! One of the coolest aspects of owning an iPhone is using a number of killer apps found in the App Store. In the year since Apple's online App Store opened, it sold more than 800 million applications for its iPhone, at prices ranging from free to $10. Apple keeps 30 percent of each sale, with 70 percent going to the application's developer. Rivals BlackBerry and Palm will also open app stores of their own.

Apple says it's created 1 million jobs, App Store is going gangbusters
www.mercurynews.com/business/ci_27283328/apple-1-million-jobs-app-store-record-sales

 

[headlines]
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Sales Make it Happen by Steve Chriest

 

"Don't Shoot The Dog!"

Valuable insights for managers can sometimes be found in the most unlikely places. For example, Karen Pryor has written a book, “Don't Shoot The Dog!” Although the book is loaded with information about training animals, it's really about training anyone, whether human or animal, to do anything that can and should be done. This little book contains some of the most valuable information and insights I've ever read about managing people.

Ms. Pryor talks a great deal about the principles of reinforcement training. Here is the pearl for managers: Using positive and negative reinforcers is the best way to change behavior. What managers may find most surprising is her contention that positive reinforcers are better at changing behavior than are rewards.

A reinforcer is something that, when occurring in conjunction with an act tends to increase the probability that the act will occur again. There are positive and negative reinforcers. Sincere praise is a positive reinforcer, and is something most humans seek. A disapproving look from a manager is a negative reinforcer, and most employees will seek ways to change whatever behavior caused the disapproving glance from the manager.

When managers aren't getting the results they want, they often resort to punishment as their favorite behavior modification tool. Many may not have learned firsthand that spanking the dog, yelling at an employee, levying a fine or docking a paycheck as punishment is not only a clumsy way of modifying behavior, but that it doesn't often work!

The author tells us that the major problem with punishment is the fact that when it doesn't work, we tend to escalate the punishment in hopes of better results. For example, let's say that your sales team members aren't making enough cold calls. As a manager you could demand that they report to the office every Friday afternoon at 5 p.m. and write on the whiteboard five hundred times, “I promise to make more telephone calls.” If that doesn't work, you could escalate the punishment by lowering their commission payouts. Still no results? You could again escalate the punishment by suspending them for a week, without pay. When none of this works, the question managers should ask is, “Where will the escalation of punishment end?”

If you want an introduction to the most up-to-date principles underlying all training, and tips on how to apply these principles in your business, I highly recommend “Don't Shoot the Dog.” It may forever change your views on modifying behavior in the workplace.


$10.25 at Amazon
http://www.amazon.com/Dont-Shoot-Dog-Teaching-Training/dp/1860542387/ref=sr_1_1?ie=UTF8&qid=1422398560&sr=8-1&keywords=don%27t+shoot+the+the+dog

 

Steve Chriest is the CEO of Open Advance and author of Selling to the E-Suite, The Proven System For Reaching and Selling Senior Executives and Business Acumen 101. He recently re-named his
company from Selling-Up.  He produces video and radio blogs, as well as continues as a columnist for Leasing News.
www.openadvance.com/contact/
925-263-2702
www.openadvance.com/

Sales Makes It Happen Articles:
http://www.leasingnews.org/Legacy/index.html

 


[headlines]
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Leasing Industry Help Wanted

Title/Reg Manager
Chicago, Illinois


Experience dealing with multiple states for
all types of vehicle classes required.

Come grow with us

Contact: Michael Testa 312-881-3133 mtesta@secondcityleasing.com

www.secondcityleasing.com
Financing for Commercial Truck & Trailer, Exotic, High Line, Vintage & Classic Automobiles, Taxi, Livery & Paratransit


 

For information on placing a help wanted ad, please click here:
http://www.leasingnews.org/Classified/Hwanted/Hwanted-post.htm

Please see our Job Wanted section for possible new employees.


[headlines]
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Leasing Industry Recruiters

These companies have experience in the finance and leasing industry

Please fax our request form back to 408.317-2066 or you 
may e-mail to: kitmenkin@leasingnews.org .

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

Name 
City, State 
Contact 
Website 
Leasing Association
YCS 
YELB 
(see above for meaning)
Geographic Area
Specialty

Executive Solutions for Leasing & Finance, Inc.
Atlanta GA 30308
Jon Gerson, President
jongerson@exsolutions.com 
678.528.8996
LinkedIn
www.exsolutions.com

1990 
(1990)

Nationwide

Search firm specializing in leasing industry. Services include retained and contingent search, strategic consultation, compensation analysis, sales & management training, & customizable consulting products.

Financial Pro Solutions 
Hal T. Horowitz
West Hills, CA 91307
Office:  (818) 347-FINA
(347-3462) 
Fax: 818-597-3201 
Cell:  (818) 730-0645 
Email: halh@finapros.com
LinkedIn
www.finapros.com

1983

(2008)

Nationwide

Retained with Executive search firm seeking financial professionals for growth-oriented and challenging opportunities in commercial banking, equipment leasing, asset based lending. Also works with firms seeking V- and C-level financial executives with accounting, financial analysis or treasury disciplines.

Professional Profiles, 
Specialists in Executive Search, Inc.

Orland Park, IL 60462 
Mary Beth Norton 
mb@leasingrecruiter.com
708-403-9229 Voice 
708-403-8854 Fax
LinkedIn
www.leasingrecruiter.com 

1984
(1984)

Nationwide

We are, by choice, a small shop. We take a very personal approach with all our candidates and hiring managers.
We treat them all
(even those we are unable to help)
with respect and professionalism. 

Recruiters 
International, Inc. 
(RII) 

Pembroke Pines, FL 33025 
Emily Fitzpatrick 
Sr. Recruiter 
riiemily@comcast.net
Phone: 954-885-9241
www.http://riirecruit.com/
LinkedIn
Also follow us on Twitter@RIIINFO

2000

North America

Explanation:  Boutique Executive Search Firm Specializing in the Finance & Equipment Leasing Industries.

Our goal is to build long term relationships with our Clients & Candidates, keeping both sides abreast of current and future changes that effect supply & demand of Top Talent.  Excellent References & Testimonials

 


[headlines]
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2015 Finance/Leasing to be a Great Year
ELFA Report/Lessors Agree


(Leasing News Chart)

The Equipment Leasing and Finance Association (ELFA) Monthly Leasing and Finance Index (MLF-24) from 25 companies representing a cross section of the $903 billion equipment finance sector, report December, 2014 New Business Volume Up 20 Percent Year-over-year, Up 90 Percent Month-to-month, Up 8 Percent Year-end!

December has always been the best month of the year for those who report to the MFLI-25; year-end ties up, especially leases that need to be renewed for medical, software, technology, and other equipment

2014:
$12.9
2013:
$10.7
2012:
$11.5
2011:
$10.7
2010:
$9.0
2009:
$7.1
2008:
$8.8
2007:
$10.6
2006:
$10.4


MLFI-25 New Business Volume (Year Over Year Comparison)
click to make larger
(ELFA chart)

Leasing News contacted many lessors for their opinion and received these below: 


Charles Anderson
CEO, Enverto Investment Group
CEO, IMCA Capital, LLC

"Enverto had a record Q4 and we are very excited about surpassing those numbers in Q1 '15.  Our customers are showing cautious confidence towards reinvesting in their businesses, which means that they are investing again with strong cash reserves.  Most of our growth is driven by large equipment sellers who care about instant approvals and fast funding."


Richard A. Baccaro
Executive Vice President - Sales & Marketing
Ascentium Capital LLC

"Ascentium Capital’s New Business Volume in 2014 grew 57% over 2013. In December 2014, New Business Volume increased 78% over December 2013.

"We believe 2015 will be another strong year for the industry as well as for Ascentium Capital.

"Our core mission and focus is to advance the growth rates of our national and regional vendor partners as well as provide flexible financing to businesses across the United States.

"Ascentium Capital’s brand and products are becoming more relevant as we gain market and mind share through our process, performance, and our people."  


Mike Bennie
President
FirstLease

"FirstLease closed 2014 with our strongest quarter of the year, with both applications and fundings more than 10% higher than the prior year’s 4th quarter.  We have seen a somewhat sluggish start to 2015 on the vendor side, but our revised Broker Program has really taken off and we expect a relatively strong 1st quarter when compared to 2014."


John Boettigheimer
Centra Leasing, Inc.
4 Hour Funding

"Business was extremely busy up to Christmas Eve, however, application flow and fundings declined substantially through the Christmas to New Year’s holiday period.  Business remained slow until after the Martin Luther King holiday when new applications and funding levels finally returned to normal."


Christopher Enbom
CEO and Chairman,
Allegiant Partners Inc. dba
First Star Capital dba Clearview Financial

"We are pretty bullish on the first half of the year.  Low gas prices, no elections for a while, and continued economic recovery mixed with equipment replacement demand should equate to a good year.  We see continued rate pressure, however."


Valerie Jester
President
Brandywine Capital Associates

"We ended 2014 with our strongest transaction backlog in 5 years. We are experiencing more opportunities associated with business expansion rather than just for replacement equipment. As we close the first month of 2015, we feel that momentum continuing as small to mid-size businesses decide to invest in growth and take advantage of the continuing low rates and more liberal credit windows. Liquidity remains strong and continues to attract more customers to finance equipment."


Allan Levine
President and COO
Madi$on Capital

"Madison Capital had, like many, a great year in 2014. Our direct investment is leases was considerably up, total revenue was up, cost of revenue down, bad debt low, and member capital increased. What a great story to tell!"


Don Myerson
President
BSB Leasing, Inc.

"2014 ended strong for BSB Leasing, Inc. With a good funding month in December we hit our 2014 projections. New app count in December was sluggish due I believe to a lack of any incentive to push equipment purchases into 2014 until late in the month.

"Our projections for 2015 are the most aggressive we’ve had since before the downturn. Growth in originations being more aggressive more in the second half of 2015."


Gary Shivers
President & CEO
Navitas Lease Corp

"Like other lessors, our December was strong versus November.  Year-over-year originations were up over 50%."

Bill Wavro
President
Dell Financial Services

“The rise in new business volume for 2014 reflects what we hear in conversations with Dell customers and channel partners every day. Whether an entrepreneur saving cash for key business investments or a large enterprise looking to lower total cost of ownership, customers are seeing how financing large equipment and technology transactions delivers a real bottom-line and operational benefit for their businesses.”



William G. Sutton, CAE
President & CEO
ELFA

“Despite the typical end-of-year seasonal spike, December’s MLFI-25 statistics enter record territory:  the 20 percent increase in year-over-year new business volume was one of the largest December increases in the history of the MLFI-25.  Add to this healthy credit markets and the equipment finance industry appears poised for the breakout performance industry observers have been waiting for.  We hope that this momentum will carry forward into 2015.”

---

Receivables over 30 days were unchanged from the previous month and from the same period in 2013 at 1 percent.  Charge-offs were unchanged for the ninth consecutive month at an all-time low of 0.2 percent.

Credit approvals totaled 78.6 percent in December, a slight decrease from 79.1 percent the previous month.  Total headcount for equipment finance companies was up 0.5 percent year over year.

Separately, the Equipment Leasing & Finance Foundation's Monthly Confidence Index (MCI-EFI) for January is 66.1, an increase from the December index of 63.4 and the highest level in the last three years.

ELFA Charts:

Aging of Receivables:

click to make larger

Average Losses (Charge-offs) as a % of net receivables
(Year Over Year Comparison)

click image to make larger


Credit Approval Ratios As % of all Decisions Submitted
(Year Over Year Comparison)

click image to make larger

Total Number of Employees
(Year Over Year Comparison)

click image to make larger


ELFA MLFI-25 Participants

BancorpSouth Equipment Finance
Bank of America
Bank of the West
BB&T Bank
BMO Harris Equipment Finance
Canon Financial Services
Caterpillar Financial Services
CIT
DLL
Dell Financial Services
Direct Capital Corporation
EverBank Commercial Finance
Fifth Third Equipment Finance
First American Equipment Finance, a City National Bank Company
GreatAmerica Financial Services
Hitachi Credit America
HP Financial Services
Huntington Equipment Finance
John Deere Financial
Key Equipment Finance
LEAF Commercial Capital
M&T Bank
Marlin Leasing
Merchants Capital
PNC Equipment Finance
RBS Asset Finance
SG Equipment Finance
Siemens Financial Services
Stearns Bank
Suntrust
Susquehanna Commercial Finance
TCF Equipment Finance
US Bancorp Equipment Finance
Verizon Capital
Volvo Financial Services
Wells Fargo Equipment Finance

 


[headlines]
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December, 2014  "The List"
--- Mergers, Acquisitions & Changes
"The Good, the Bad and the Ugly"-- 

Warren Capital, Novato, CA (12/14) Colleagues stunned $23 million Ponzi scheme:
http://leasingnews.org/archives/Dec2014/12_29.htm#stephens (12/14) Warren Capital accused of $23 million Ponzi Scheme http://www.pressdemocrat.com/news/3292814-181/late-north-bay-businessman-suspected?page=0

CIT Group, New York (12/14) CIT Bank/OneWest Bank Merger More Protests:
http://leasingnews.org/archives/Dec2014/12_22.htm#protests

MicroFinancial/Leasecomm/TimePayment, Burlington MA (12/14) Fortress Buys MicroFinancial for $147 Million. http://leasingnews.org/archives/Dec2014/12_17.htm#fortress

Chesswood Group Limited ("Chesswood"), Toronto, Ontario, Canada (12/14) Announces New US$150 Million Corporate Credit Facility: http://leasingnews.org/archives/Dec2014/12_10.htm#chesswood

Matrix Business Capital, Long Beach, California (12/14) New Bulletin Board Complaint:
http://leasingnews.org/archives/Dec2014/12_05.htm#bbc_complaint

Blue Bridge Financial, LLC, Williamsburg, New York (12/14) Bulletin Board Complaint:
http://leasingnews.org/archives/Dec2014/12_03.htm#bbc_complaint

Balboa Capital, Irvine, Ca. Irvine, California (12/14) Sued in Federal Court for Bait and Switch Sales Tactics: http://leasingnews.org/archives/Dec2014/12_01.htm#balboa

 

Alphabetical Order
http://www.leasingnews.org/list_alpha_new.htm

Chronological Order
http://www.leasingnews.org/list_chron_new.htm

 

 

[headlines]
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Leasing News Advisor
Dale Davis


Dale joined the Leasing News Advisor Board on January 26, 2007.

Dale R. Davis
President
Endeavor Financial Services
DDavis@EndeavorFS.net
(877) 727-4327, ext. 207
(877) 337-3227
www.EndeavorFS.net

Dale Davis is the President of Endeavor Financial Services. He has been active in the vehicle and equipment leasing business since 1978.

Dale was the President of the National Vehicle Leasing Association (NVLA) in 2005-2006. He was presented with the association’s Lifetime Achievement award in 2007.

Dale is a contributing author to “Foundations of Leasing", an industry publication. He is also active with local community groups and the Make-A-Wish Foundation.

Dale is married and has four children.


[headlines]
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### Press Release ###############################

Mortgage Rates Drift Higher This Week

Foster City, Calif. --- - Rates on the most popular types of mortgages moved upward slightly this week according to HSH.com's Weekly Mortgage Rates Radar. The average rate for conforming 30-year fixed-rate mortgages rose by three basis points (0.03 percent) to 3.74 percent. Conforming 5/1 Hybrid ARM rates decreased by six basis points, closing the Wednesday-to-Tuesday wraparound weekly survey at an average of 3.01 percent.

"Although there is considerable uncertainty about how much benefit the European Central Bank's bond-buying program will produce, at least it is making attempts to support the collective economies that use the euro as currency", said Keith Gumbinger, vice president of HSH.com. "As with the Fed's program, the intention is to lower interest rates in hopes of spurring growth and to combat deflation, but rates on the bonds they will be buying are already at or near record lows, so the effect is likely to be more muted."

The ECB's move to stimulate the flagging eurozone may have the unintended effect of continuing to push investor money toward U.S. markets, at least for a time. The safety and stability of U.S. Treasuries remains a powerful draw, and U.S. yields also produce relatively high returns for investors. Even as low as domestic interest rates are, they yield about five times the return of a comparable German bond at the moment.

"The ECB getting their program underway is important, but as with the Fed's QE, it will take some time to produce any results, so the flow of offshore funds which has pushed mortgage rates down to 20-month lows will remain in place," adds Gumbinger. "The flow may be lessened a bit by hopes of improvement to come, but until proof begins to show that the ECB QE is working as intended, mortgage rates here will still have more reasons to stay down than to rise."

Average mortgage rates and points for conforming residential mortgages for the week ending January 27, according to HSH.com:

Conforming 30-year fixed-rate mortgage
-Average Rate:   3.74 percent
-Average Points: 0.14

Conforming 5/1-year adjustable-rate mortgage
-Average Rate:   3.01 percent
-Average points: 0.08

Average mortgage rates and points for conforming residential mortgages for the previous week ending January 20 were, according to HSH.com:

Conforming 30-year fixed-rate mortgage
-Average Rate:   3.71 percent
-Average Points: 0.13

Conforming 5/1-year adjustable-rate mortgage
-Average Rate:   2.95 percent
-Average Points: 0.09

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

[headlines]
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Border Collie Mix
Austin, Texas Adopt-a-Dog


Kevin
Sex:  Male
Breed: Border Collie Mix
Current Weight:  68 pounds
Adult Size: Large
Date of Birth:      09/27/2011
Age: 3 years, 4 months
Colors:       Brown/White
Neutered: Yes
Adoption Donation: $50.00
Visit at Site

Kevin, a brown and white cutie with expressive brown eyes and delightful cockears, has the coat of a small lion with a tail to match. Calm and contemplative, Kevin waits patiently by his kennel door for human contact. The kennel environment can be stressful for him, but once he hears "free" he exits with ease, ready to take on any activity you have planned. Described as "friggin' brilliant" by the head of the APA! behavior team, this boy is a quick study. He is, quite honestly, one of the brightest dogs at APA! and always eager to learn new skills.

Kevin is a confident companion and appreciates a disciplined handler who enjoys adventure. He loves discovering new places-sights, sounds, scents-he takes it all in, but is not easily distracted. Whether he's trotting down city streets, or dusty trails, Kevin is a joy on a leash. As a member of our RuffTail Runner program, Kevin provides a good workout for joggers and walkers who enjoy moving at a moderate pace. Exercise breaks usually include hugs, pats, and kisses. Kevin's intelligence is matched only by his affection.

Kevin lived with another dog and attends playgroup at Austin Pets Alive! but due to his resource guarding issues, he may do best as the only pet in the home. His ideal adopter is one who enjoys an active lifestyle that will include Kevin in daily activities and assist him in working through his resource guarding issues. As with all adoptions at APA!, behavior assistance is available to Kevin's adopter. Come meet him today.

Shelter Headquarters

Austin Pets Alive
Town Lake Animal Center
1156 West Cesar Chavez
Austin, TX 78703
Phone: 512-961-6519
Hours: 11:30am until 7:00pm Daily

 

Adopt a Pet
http://www.adoptapet.com/

 

[headlines]
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Leasing Industry Outsourcing
(Providing Services and Products)

Asset Management: Atlanta, GA
premier provide accounts receivable management functions from 3rd Party contingency collections to Portfolio Purchasing. Contact George Elliott, National Account Manager. 678-694-9063,
westassetmanagement.com 

Asset Management: Boston, MA
Nationwide appraisals, remarketing, audits, inspections and more! Over 15-years industry experience and dedicated to deliver personal, prompt, professional services. 
Call Chris @ 508-785-1277 
Email:
chris@dovermanagementgroup.com
 

Asset Management: Minneapolis, MN
NetSentric provides services to leasing companies: Inspection, Appraisals, Auditing, Warehousing, Repossession, Asset Management, Repairs, Remarketing and Field Service for Electronics and Computing Technology.
Email: jcahill@netsentricinc.com 

Asset Management: Monroe, NC
Recover a greater return on your investment.  We specialize in the woodworking, pallet, sawmill and forestry industries.  
Carolinamachinerysales.com/ 

Melinda Meier (704)288-1904 x103
Asset Management: Nationwide 
BUYER/LENDER BEWARE. Don't sign anything until Collateral Verifications Inc. goes onsite, knocks on the door and gets the facts.
http://www.i-collateral.com
Email: mark@i-collateral.com

Nationwide 
Seasoned and fair priced workforce is at your service for all lease collections, repossessions, and asset liquidations, appraisals.  Call Nassau Asset Management 800-462-7728  dcastagna@nasset.com   

Asset Storage/Re-Marketing: Ohio & surrounding states. Providing no cost warehousing, condition reports, digital photos and remarketing of off-lease forklifts & industrial equipment. NAFTA wide dealer network. Email to GCochran@OhioLift.com Asset Management
Melville, New York
Auctions, Appraisals, National Repossessions.  ALL asset classes. 20+ year team works for you. Spend less, Net More… Fast!
Ed Castagna 516-229-1968ecastagna@inplaceauction.com
Bulldog Asset Management provides recovery and remarketing services with a difference. Contingent repos, free storage and industry experts to remarket. Email:Jamie@bulldogasset.com 
www.bulldogasset.com
Asset Management: Global
Specializing in Semiconductor and Electronic Test Equipment collateral. Lender services include Consignment Sales, Remarketing, Portfolio Purchases, Inspections, De-installation, Repairs and Warehousing. 
testequipmentconnection.com
Email

All "Outsourcing" Classified ads (advertisers are both requested
and responsible to keep their free ads up to date:
http://www.leasingnews.org/Classified/Outsourcing/Outsourcing.htm

How to Post a free "Outsourcing" classified ad:
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[headlines]
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News Briefs----

Blizzard hits Boston and New England,
 spares New York despite forecasts
http://www.reuters.com/article/2015/01/28/us-usa-weather-idUSKBN0KW26Z20150128

Yahoo to Spin Off Its Stake in Alibaba
http://www.nytimes.com/2015/01/28/technology/yahoo-earnings-alibaba-spinoff.html?_r=0



Title/Reg Manager
Chicago, Illinois


Experience dealing with multiple states for
all types of vehicle classes required.

Come grow with us

Contact: Michael Testa 312-881-3133 mtesta@secondcityleasing.com

www.secondcityleasing.com
Financing for Commercial Truck & Trailer, Exotic, High Line, Vintage & Classic Automobiles, Taxi, Livery & Paratransit

 


[headlines]

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--You May Have Missed It

Olympic Survey Finds Mass. Residents Trust Robert Kraft the Most
http://www.boston.com/business/news/2015/01/27/olympic-survey-finds-mass-residents-trust-robert-kraft-the-most/JMKPVr1IvQPikkp5MzWBRP/story.html



[headlines]
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SparkPeople--Live Healthier and Longer



Easy Ways to Cut Sodium Intake
Lower Your Disease Risk by Reducing Your Salt Intake
http://www.sparkpeople.com/resource/nutrition_articles.asp?id=625


[headlines]
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Football Poem

Super Bowl 2015

The Game Begins
The Anthem has been sung
The Pageantry completed
The Blue Angels have soared overhead
Captains from both teams gather for the coin toss
To see who will begin this human game of chess
The kick off ensues the ball returned
The mind games now begin
Playing in the elements the way it was meant to be
Both teams familiar yet neither has an edge
Fans from either team cheering or jeering
on the success of every play
The seconds and minutes count down
as every inch of yardage is given or taken away
The race to the goal line is both teams only quest
awaiting the final moment as the final seconds tick away
The trophy awaits the victor the other sheds their grief
Every member of the loosing team showing signs of disbelief
- See more at: http://allpoetry.com/poem/11317406-The-Game-Begins-by-Thepoet717#sthash.jN7S0O0R.dpuf



[headlines]

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Sports Briefs----

The misunderstood Marshawn Lynch
http://espn.go.com/nfl/playoffs/2014/story/_/id/12232435/the-misunderstood-marshawn-lynch-why-seattle-seahawks-running-back-trust-media

Tomsula to add former Rhein Fire colleague to 49ers staff
http://www.sacbee.com/sports/nfl/san-francisco-49ers/article8414280.html

Nixon administration says it could take action on Rams stadium without legislative input
http://www.stltoday.com/news/local/govt-and-politics/alex-stuckey/nixon-administration-says-it-could-take-action-on-rams-stadium/article_3ab09064-9d43-58c1-a499-d5b10e0ebd60.html

Even if he wins 4th ring, Brady’s no Montana
http://www.sfgate.com/49ers/article/Even-if-he-wins-4th-ring-Brady-s-no-Montana-6041560.php


[headlines]
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California Nuts Briefs---

Psychology studies suggest rising wealth means more jerks in S.F
http://www.sfgate.com/bayarea/article/Psychology-studies-suggest-rising-wealth-means-6039481.php



[headlines]
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“Gimme that Wine”

http://www.youtube.com/watch?v=EJnQoi8DSE8

In Vino Veritas. In Napa, Deceit.
http://www.nytimes.com/2015/01/25/business/in-vino-veritas-in-napa-deceit.html?ref=business

Napa quake had little impact on tourism; spending $1.39 billion
http://www.northbaybusinessjournal.com/104113/napa-quake-had-little-impact-on-tourism-spending/

Ukiah vineyard attracts top dollar, sells for $2.4 million
http://www.ukiahdailyjournal.com/news/ci_27389673/ukiah-vineyard-attracts-top-dollar

Free Mobile Wine Program
http://leasingnews.org/archives/Feb2010/2_26.htm#mobile

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

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

Leasing News Wine & Spirits Page
http://two.leasingnews.org/Recommendations/wnensprts.htm


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This Day in American History

     1595 - Sir Francis Drake, English navigator/pirate (Porto Bello West Indies), after discovering California, dies at about 50, of dysentery, off the coast of Panama.
http://www.mcn.org/2/oseeler/drake.htm
http://www.drakesbay.com/
    1772 - The "Washington and Jefferson" snowstorm occurred across the mid-Atlantic states. George Washington in Mount Vernon and Thomas Jefferson in Monticello were marooned by this storm. Snowfall was estimated at 3 feet on a level across Virginia and Maryland. Washington wrote, "...the deepest snow which I suppose the oldest living ever remembers to have seen in this country".
    1782 - Great Seal of the US: Congress resolved that the secretary of the Congress should “keep the public seal, and cause same to be affixed to every act, ordinance or paper, which Congress shall direct...” Although the Great Seal did not exist yet, the Congress recognized the need for it.
    1787 - The Free Africa Society organizes in Philadelphia, Pennsylvania.
http://www.pbs.org/wgbh/aia/part3/3narr4.html

http://www.africana.com/Articles/tt_331.htm
http://www.gliah.uh.edu/historyonline/antislchron.cfm
    1791 - Plans for National Mint : Though the Constitution granted Congress the "power…to coin money," the dawn of the 1780s found America still a nation in need of a standard currency. Following the Revolutionary War, the U.S. seemed as though as it would adopt copper as its coin of choice. However, various efforts to produce and standardize copper proved futile. Congress pushed on and, in 1786, signed off on Thomas Jefferson's proposal for a dollar-driven currency. Of course, the nation also needed to develop the means for producing this currency and on this day in 1791, Secretary of Treasury Alexander Hamilton stepped before the House to deliver a report on the establishment of a national mint. Hamilton's work helped pave the way for the authorization of the United States Mint on April 2, 1792.
    1828 - Confederate General Thomas Carmichael Hindman is born in Knoxville, Tennessee. Hindman was raised in Alabama and educated in New York and New Jersey. His family moved to a Mississippi plantation, and he returned from the North to study law. His studies were interrupted by service in the Mexican War, but he was admitted to the Mississippi Bar Association in 1851. He earned a reputation as an avid secessionist long before many southerners held that view. He moved to Arkansas and was elected to Congress in 1858. Hindman's law partner was Patrick Cleburne, who also became a Confederate General. When the war began, Hindman raised his own regiment and led it as a colonel. He was soon promoted to general and he raised an army of 18,000 from Arkansas. His tenure as commander in Arkansas was stormy. Hindman declared martial law, imposed price controls, and enforced conscription. After his force was stopped at Prairie Grove in December 1862, Hindman was reassigned to the Army of Tennessee. He fought at Chickamauga and Atlanta, and was wounded twice. After the surrender, Hindman fled to Mexico and joined a number of Confederates there. Hindman returned to Arkansas in 1868 and dove back into politics. He led a faction that challenged the Republican Party, and, in a pragmatic political maneuver, he began working on a biracial coalition. Hindman was shot as he sat in his living room, most likely by one of his political opponents. He died on September 28, 1868.
   1832 - Lydia Maria Child's first piece, "Stand From Under," written for William Lloyd Garrison's anti-slavery weekly “The Liberator”, is published.
http://www.uua.org/uuhs/duub/articles/lydiamariachild.html
http://womenshistory.about.com/library/bio/blbio_child_lydia_maria.htm
    1851 – Northwestern University became the first chartered university in Illinois.
    1853 - Birthday of Jose Julian Marti, Cuban author and political activist, at Havana, Cuba. Marti was exiled to Spain, where he studied law before coming to the US in 1890. He was killed in battle at Dos Rios, Cuba, May 19, 1895. The popular song "Guantanamera" is based on a poem by Marti.  He worked on underground papers, was jailed and forced into exile (three columns & you're out?).  "No man has any special right because he belongs to any specific race; just by saying the word man, we have already said all the rights."
— Jose Marti
http://members.aol.com/enriques/index.html

http://www.patriagrande.net/cuba/jose.marti/
    1854 - Thirty miners attack a peaceful Indian village on the Coquille River near Randolph, Oregon, killing 16. During this period the US Army engaged Indians, signing treaties for rights to land, and Indians who did not want to negotiate for land fought back, killing settlers and it was quite a turbulent time. The Indians lost as they had no “modern” weapons or horses and many tribes at the time were “farmers” and “hunters with primitive bow and arrow.” http://fs.jorge.com/archives/Heritage_Program/
FurTradeEraInWesternOregon.htm

    1855 - The Panama Railway, which carried thousands of unruly miners to California via the dense jungles of Central America, dispatches its first train across the Isthmus of Panama. Before 1855, sea travelers not wishing to endure the long and treacherous passage around the tip of South America would disembark on the East Coast of Nicaragua. They would then proceed by light boat up the San Juan River to Lake Nicaragua, cross the lake in larger steamers, and complete the final overland leg of the journey via carriages. They traveled on a modern road that deposited them on the West Coast, where they boarded a steamer for San Francisco. In 1847, a group of New York financiers organized the Panama Railroad Company to do just that, and in 1850, workers began laying track through Panamanian jungle roughly along the route followed by the present canal. Completed in early 1855, the first train departed from the Atlantic side for the Pacific on January 28. A ship voyage punctuated by a brief train ride across the isthmus now became the fastest and most comfortable means of traveling to California, and tens of thousands of gold-hungry emigrants were soon racing through Panama every year. The traffic of freight and human beings moving both ways across the isthmus kept the Panama Railway busy until 1869, when the first transcontinental railroad was completed in the United States. However, the railway continued to carry a great deal of commercial freight destined for Europe or Asia until the Panama Canal was completed in 1914.
    1855 - Birthday of William Burroughs, who invented the first commercially successful adding machine and founded the American Arithmomter Company of St. Louis, in Rochester, NY. The company later became Burroughs Adding Machine Company. His earliest version of the machine, like other adding machines of the time, was accurate but impractical. However, in 1892 he patented a practical adding machine that would become a commercial success. Burroughs, who died in 1898, did not live to see the profits of his invention or the thriving success of his company.
    1856 - The Geisel Massacre, Indians go on a rampage. The Geisel Monument, 5 miles North of Gold Beach, located off Highway 101, in a state park, contains a monument to one of the white families that was attacked by Oregon Indians in 1856 during this attack.
http://www.harborside.com/~wchope/geisel.htm
    1858 - John Brown formalizes his strategy for a raid on the Arsenal at Harper's Ferry. Here is a background that gives quite a bit of understanding of the times and his motivation.
http://www.wvculture.org/history/jb11.html

    1864 – Charles William Nash, founder of Nash Motors, was born in Cortland, IL.  He worked for Will Durant’s carriage company and upon driving an electric automobile in New York, became very interested in its commercial potential.  Nash co-founded Buick and in 1908, became Buick's president and general manager. In 1910, he was hired as general manager of General Motors.   He took over a debt-ridden company suffering losses and increased profits to $ 800,000 as early as 1911 to over $12 million by 1914, while he secured the firm’s financial footing.  However, his reluctance to pay dividends to shareholders resulted in Nash being voted out of his position in 1915.  Nash, who took control of GM in 1910 from Durant, was now fired by him when Durant regained control in 1916.  Nash then resolved never again to work for someone else. He bought out the Jeffery Motor Co and renamed it as Nash Motors. The new company was successful, with sales totaling 31,008 trucks and cars by 1919.  Nash died in 1948.
    1878 - New Haven, Connecticut, opened the first commercial phone exchange, providing eight lines for twenty-one telephones.  Concurrently, “The Yale Daily News” became the first college newspaper in the US.
     1884 - For “Star Trek” fans, Gene Roddenberry named the famous Captain Picard after Jean Piccard, scientist, engineer, explorer, who was born at Basel, Switzerland and is noted for cosmic-ray research and record-setting balloon ascensions into stratosphere. Reached 57,589 feet in sealed gondola piloted by his wife, Jeannette, in 1934. Twin brother of Auguste Piccard. Died at Minneapolis, MN, Jan 28, 1963. To learn about Captain Jean Picard: http://mario.lapam.mo.it/tng/picard.htm
    http://www.leasingnews.org/Classified/Hwanted/Hwanted.htm
http://www.thejukejoint.com/amcd-007.html

    1887 - Arthur Rubinstein, the most popular classical pianist of the 20th century, was born in Lodz, Poland. He made his debut with the Berlin Symphony Orchestra in 1898, at the age of 11, and first performed in the US in 1906. Rubinstein became well known in North America, beginning in 1937. He was renowned for his interpretations of Chopin, as well as the works of Spanish composers. Arthur Rubinstein died in 1982 at the age of 95.
    1890 – “The Birdman of Alcatraz”, Robert Stroud, was born in Seattle.  Once one of the United States' most notorious criminals, during his time at Leavenworth, he reared and sold birds and became a respected ornithologist.  Despite his nickname, he was not permitted to keep his birds at Alcatraz, where he was incarcerated from 1942.  Stroud died in 1963 while in prison.
    1900 - Birthday of Alice Neel in Merion, PA.  American portrait painter best known for her studies in Spanish Harlem where she lived for many years. Her portraits were individual in style which was somewhat impressionistic
    1902 - Carnegie Institution established. Andrew Carnegie spent a good chunk of his life building a chokehold over the steel industry. However, after years at the lead of the second Industrial Revolution, he decided to cash in his chips in 1901 and sold his stake in the mighty Carnegie Steel concern—then worth roughly $40 million—to the United States Steel Corporation for $250 million. Rather than retire and play with his riches, Carnegie followed his belief that a "man who dies rich dies disgraced" and set to doling out his fortune to various philanthropic causes. All told, Carnegie donated $350 million, $10 million of which he handed over on this day to establish the Carnegie Institution in Washington, D.C. According to Carnegie, the Institution was designed "to encourage, in the broadest and most liberal manner, investigation, research, and discovery, and the application of knowledge to the improvement of mankind." Carnegie's lofty mission translated into an organization dedicated to research and education in "biology, astronomy, and the earth sciences."
    1904 - Enrico Caruso signed his first contract with Victor Records. He debuted at the Metropolitan Opera two months before.
    1904 – The first college sports letters given to seniors who played on University of Chicago's football team are awarded blankets with letter "C" on them.
    1908 - Julie Ward Howe, author and activist famous for her composition, "The Battle Hymn of the Republic," became the first woman elected to the American Academy of Arts and Letters.
http://memory.loc.gov/ammem/today/jan28.html

    1909 – US troops left Cuba with the exception of Guantanamo Naval Base after being there since the Spanish-American War.
    1912 – Birthday of American artist Jackson Pollock in Cody, Wyoming. He was instrumental in the development of the distinctly American abstract expressionist movement in the United States. He became notorious for his drip painting methods and his huge canvases layered with paint and embedded objects. Pollock, known for his emotional volatility and heavy drinking, seen as a phony by some, and a hero by others, used his innovative, individualistic and uninhibited style to birth a new artistic genre in post-World War II America.   A movie about his life starred Ed Harris and was very factual. Died Long Island, NY, 1956
http://sheldon.unl.edu/HTML/ARTIST/Pollock_J/PC.html

http://www.hilson.org/writings/POLLOCK-the-movie.html
http://www.ibiblio.org/wm/paint/auth/pollock/
http://www.artchive.com/artchive/P/pollock.html
http://www.pbs.org/newshour/bb/entertainment/jan-june99/
pollock_1-11.html

http://www.beatmuseum.org/pollock/jacksonpollock.html
http://www.amazon.com/exec/obidos/ASIN/0671495933/
ref=ase_inktomi-bkasin-20/002-1241397-9042458

    1913 – For those of you who remember “You’ll Never Get Rich”, later “The Phil Silvers Show”, starring Phil Silvers as Sgt. Ernie Bilko, you’ll remember Pvt. Duane Doberman, played by Maurice Gosfield.  He was born in NYC on this day and died in 1964.
    1915 - Congress passed legislation creating the United States Coast Guard, combining the Life Saving Service and the Revenue Cutter Service.
    1915 - President Wilson refuses to prohibit immigration of illiterates
    1915 – The first US ship lost in World War I, ‘William P Frye’, was carrying wheat to the UK
    1916 - First Jewish Supreme Court justice, Louis Brandeis, was appointed to the US Supreme Court by President Woodrow Wilson. The nomination was confirmed by the Senate on June 1, 1916. He served until 1929.
http://library.brandeis.edu/SpecialCollections/SpecialEvents/Brandeis/
http://www.spartacus.schoolnet.co.uk/USAbrandeis.htm
    1917 – The world-famous cable cars first took to the streets of San Francisco.
    1922 - The National Football League franchise in Decatur, Illinois, moved to Chicago, Illinois to become the Chicago Bears.
    1922 - The "Knickerbocker" storm immobilized the city of Washington D.C. The storm produced 28 inches of snow in 32 hours, and the heavy snow caused the roof of the Knickerbocker movie theatre to collapse killing 96 persons.
    1925 - -46ºF (-43ºC), Pittsburgh NH (state record)
    1927 - Birthday of sax player Ronnie Scott, London, England
http://www.ronniescotts.co.uk/

    1927 – American composer Aaron Copland's First Piano is first performed: “Concerto for Piano and Orchestra”.
http://memory.loc.gov/ammem/achtml/actime.html
    1927 - Jean Goldkette and His Dancing Orchestra, "I'm Looking Over a Four-Leaf Clover"
    1928 - Birthday of James Edward “Pete” Runnels, baseball player, at Lufkin, TX. Runnels won the American League batting title in 1960 and 1961 playing for the Boston Red Sox. Died at Pasadena, TX, May 20, 1993.
    1929 – Clarinetist Bernard Stanley "Acker" Bilk was born in England.  Bilk's 1962 instrumental tune "Stranger on the Shore" became the UK's biggest selling single of 1962.  It was in the UK charts for more than 50 weeks, peaked at number two, and was the first #1 single in the US by a British artist in the era of the modern Billboard Hot 100 pop chart.  He died Nov 2, 2014.
    1932 - The first unemployment insurance act passed by a state was enacted by Wisconsin. Every employer of 10 or more was required to put 2 percent of the payroll aside until a fund accrued equaling $75 per eligible worked. An employee who lost his or her job could draw on the fund at the rate of $10 a week for a maximum of 10 weeks.
    1934 - As a result of a compliment from Walter Winchell's newspaper column, a local disc jockey began getting offers from talent scouts and producers. The DJ became known as Redhead to those in Washington, DC and later, by millions across the United States on CBS radio and television. His trademark, strumming a ukulele and delivering down-home talk, endeared him to fans. His name was Arthur Godfrey.
http://www.ukulele.org/godfrey.html

http://timstvshowcase.com/
http://www.artistdirect.com/music/artist/card/0,,436345,00.html
    1934 - Robert Royce's ski lift was used for the first time in Woodstock, Vermont. Previously, snow skiers had no way to get to the top of the mountain conveniently. About 900 yards of manila rope 0.875 inches thick was spliced together, passed over pulleys and around a wheel attached to a tractor, and extended up the hill 300 yards.
    1936 – Alan Alda was born Alphonso Joseph D'Abruzzo in NYC.  An accomplished actor of film and on Broadway, he will always be remembered as Captain Hawkeye Pierce in the long-running “M*A*S*H”.  He was nominated for 21 Emmy Awards, and won five. He took part in writing 19 episodes, including the finale, and directed 32, including the finale. He was also the first person to win Emmy Awards for acting, writing, and directing for the same series.  The show's 1983 2½-hour series finale "Goodbye, Farewell and Amen” remains the single most-watched episode of any television series. Alda is the only series regular to appear in all 251 episodes.
    1937 - Trumpeter Roy Eldridge records “After You've Gone.”
    1944 - GIBSON, ERIC G., Medal of Honor.
Rank and organization. Technician Fifth Grade, U.S. Army, 3d Infantry Division. Place and date: Near Isola Bella, Italy, 28 January 1944. Entered service at: Chicago, Ill. Birth: Nysund, Sweden. G.O. No.: 74, 11 September 1944. Citation: For conspicuous gallantry and intrepidity at risk of life above and beyond the call of duty. On 28 January 1944, near Isola Bella, Italy, Tech. 5th Grade Gibson, company cook, led a squad of replacements through their initial baptism of fire, destroyed four enemy positions, killed 5 and captured 2 German soldiers, and secured the left flank of his company during an attack on a strongpoint. Placing himself 50 yards in front of his new men, Gibson advanced down the wide stream ditch known as the Fossa Femminamorta, keeping pace with the advance of his company. An enemy soldier allowed Tech. 5th Grade Gibson to come within 20 yards of his concealed position and then opened fire on him with a machine pistol. Despite the stream of automatic fire which barely missed him, Gibson charged the position, firing his submachine gun every few steps. Reaching the position, Gibson fired pointblank at his opponent, killing him. An artillery concentration fell in and around the ditch; the concussion from one shell knocked him flat. As he got to his feet Gibson was fired on by two soldiers armed with a machine pistol and a rifle from a position only 75 yards distant. Gibson immediately raced toward the foe. Halfway to the position a machinegun opened fire on him. Bullets came within inches of his body, yet Gibson never paused in his forward movement. He killed one and captured the other soldier. Shortly after, when he was fired upon by a heavy machinegun 200 yards down the ditch, Gibson crawled back to his squad and ordered it to lay down a base of fire while he flanked the emplacement. Despite all warning, Gibson crawled 125 yards through an artillery concentration and the cross fire of 2 machineguns which showered dirt over his body, threw 2 hand grenades into the emplacement and charged it with his submachine gun, killing 2 of the enemy and capturing a third. Before leading his men around a bend in the stream ditch, Gibson went forward alone to reconnoiter. Hearing an exchange of machine pistol and submachine gun fire, Gibson's squad went forward to find that its leader had run 35 yards toward an outpost, killed the machine pistol man, and had himself been killed while firing at the Germans.
    1945 - A convoy of United States trucks from India crossed the Burmese-Chinese border, opening the famous "Burma Road."
    1945 – Actress Karen Lynn Gorney, who played John Travolta’s dance partner in “Saturday Night Fever,” was born in Beverley Hills, CA.  She is the daughter of composer Jay Gorney, who wrote the music for what many consider the definitive song about America's Great Depression, “Brother, Can You Spare a Dime?”   Has she done anything since? 
    1946 - Jazz at the Philharmonic records “Lady Be Good” at Philharmonic Auditorium, LA.
    1947 - In New York City, a copy of the 1640 Bay Psalm Book was purchased at an auction at Parke-Bernet Galleries for $150,000, the highest price ever paid to date for a single volume. (The original title of the book was: "The Whole Book of Psalms Faithfully Translated into English Metre.")
    1948 - Birthday of drummer Bob Moses, New York City, NY
http://www.bobmoses.com/

    1948 - Top Hits
“Golden Earrings” - Peggy Lee
“How Soon” - Jack Owens
“Ballerina” - Vaughn Monroe
“I'll Hold You in My Heart (Till I Can Hold You in My Arms)” - Eddy Arnold
    1949 – The San Antonio Spurs’  5-time championship-winning head coach, Gregg Popovich was born in E. Chicago, IN.  He holds the record for most consecutive winning seasons in NBA history at 17. Popovich has won five NBA championships as the head coach of the Spurs. He is one of only five coaches in NBA history to win five or more NBA championships. A certain Hall of Famer…
    1955 - President Dwight D. Eisenhower received full authority from the Senate to use armed forces abroad to defend Formosa (Taiwan) against possible attacks by the Chinese Communists.
    1956 - Top Hits
Memories are Made of This - Dean Martin
The Great Pretender - The Platters
Moritat (A Theme from 'The Three Penny Opera') - Dick Hyman
Sixteen Tons - Tennessee Ernie Ford
    1956 - Elvis Presley made his first national television appearance on the Tommy and Jimmy Dorsey "Stage Show" on CBS. The big band of the Dorsey's backed the singer, one of the few times he played without his own band, and to a 28 piece orchestra. Although Elvis's name was on the marquee of the New York theatre where the show took place, his appearance attracted little attention. In fact, the promoter is said to have returned to the theatre at show time with dozens of tickets, unable even to give them away in Times Square. After the show, however, Elvis was a national star. Sales of his debut single for RCA Victor, "Heartbreak Hotel," snowballed
    1957 - "Tonight! America After Dark" premieres, with Jack Lescoulie and Al (Jazzbo) Collins on NBC (between Steve Allen & Jack Paar) It lasted only a few weeks.
http://www.classicthemes.com/50sTVThemes/themePages/
tonight_Jazzbo.html

http://www.museum.tv/archives/etv/T/htmlT/tonightshow/
tonightshow.htm

    1957 - The Brooklyn Dodgers announced they had hired circus clown Emmett Kelly to entertain fans at baseball games. The next year, the Dodgers moved to Chavez Ravine in Los Angeles, California
    1958 - One of my boyhood idols, Roy Campanella of the Los Angeles Dodgers, formerly the Brooklyn Dodgers, was severely injured in a car crash on an icy road on Long Island in the early morning hours, driving home from the Harlem liquor store he owned. Campanella was paralyzed from the waist down and spent the rest of his life in a wheelchair.   His cheery disposition served as an inspiration until his death in 1993.
    1958 - The Lego company patented the design of its Lego bricks, still compatible with bricks produced today.
    1959 - Vince Lombardi was named head coach of the Green Bay Packers.
    1960 – The NFL announced its expansion into Dallas (Cowboys) and Minnesota (Vikings).
    1963 – African-American student Harvey Gantt entered Clemson College in South Carolina, the last state to hold out against integration. He later became the first African-American to be elected mayor of Charlotte, NC. He later ran unsuccessfully against acknowledged racist Jesse Helms for the US Senate. Gantt remains politically active as a member of the North Carolina Democratic State Executive Council and the Democratic National Committee. He frequently lectures at colleges and universities and also takes a leadership role in numerous civic organizations.
http://www.charmeck.org/governing/elected+officials/mayor/
past+mayors/harvey+b.+gantt.asp

http://www.ksg.harvard.edu/case/caseweb/catalog/
abstracts/JesseHelmsv.Har.html

    1963 - -34ºF (-37ºC), Cynthiana KY (state record)
    1964 - Top Hits
“There! I've Said It Again” - Bobby Vinton
“I Want to Hold Your Hand” - The Beatles
“Surfin' Bird” - The Trashmen
“Love's Gonna Live Here” - Buck Owens
    1965 - General Motors reported the biggest profit in the history of any United States company. In 1964, earnings for the #1 of the Big Three automakers totaled $1.735 billion.
    1965 - Pete Townshend smashed his guitar and Keith Moon overturned his drums during The Who's first appearance on the British TV program "Ready, Steady, Go." Their performance propelled the band's first single, "I Can't Explain," into the British top 10.
    1966 - Film actress Hedy Lamarr was arrested for shoplifting in a May Company store. She was later found not guilty. The beautiful Lamarr was popular in movies during the '30s and '40s, appearing in Boom Town”, “White Cargo”, andSamson and Delilah”.
    1969 - The first oil spill with disastrous consequences occurred when Offshore Well A-21, owned by the Union Oil Company, burst and began leaking crude oil along a 200-mile stretch of coast centered on Santa Barbara, CA. The leak, which took 11 days to plug, fouled beaches and caused widespread loss of animal life.
    1970 - Arthur Ashe, first African-American male to win Wimbledon, is denied entry to compete on the US Team for the South African Open tennis championships due to Ashe's sentiments on South Africa's racial policies.
http://sportsillustrated.cnn.com/tennis/features/1997/arthurashe/
    1972 - Top Hits
“American Pie” - Don McLean
“Let's Stay Together” - Al Green
“Day After Day” - Badfinger
“Carolyn” - Merle Haggard
    1973 - Viet Nam War cease-fire went into effect at 8 a.m., Saigon time (midnight on January 27, Greenwich Mean Time). When the cease-fire went into effect, Saigon controlled about 75 percent of South Vietnam's territory and 85 percent of the population. The South Vietnamese Army was well equipped via last-minute deliveries of U.S. weapons and continued to receive U.S. aid after the cease-fire. The CIA estimated North Vietnamese presence in the South at 145,000 men, about the same as the previous year. The cease-fire began on time, but both sides violated it. South Vietnamese forces continued to take back villages occupied by communists in the two days before the cease-fire deadline and the communists tried to capture additional territory. Each side held that military operations were justified by the other side's violations of the cease-fire. What resulted was an almost endless chain of retaliations. During the period between the initiation of the cease-fire and the end of 1973, there was an average of 2,980 combat incidents per month in South Vietnam. Most of these were low-intensity harassing attacks designed to wear down the South Vietnamese forces, but the North Vietnamese intensified their efforts in the Central Highlands in September when they attacked government positions with tanks west of Pleiku. As a result of these post-cease-fire actions, about 25,000 South Vietnamese were killed in battle in 1973, while communist losses in South Vietnam were estimated at 45,000.
    1973 - “Barnaby Jones” premiered on TV. A CBS drama about a mild-mannered, milk-drinking (but don't say milquetoast) private eye who comes out of retirement following his son's murder. Cast included Buddy Ebsen as Barnaby Jones; Lee Meriwether as Barnaby's widowed daughter-in-law, Betty Jones; John Carter as Lieutenant Biddle and Mark Shera as Jedediah Jones. Buddy Ebsen, playing the detective, started in movies back in the 1920s, and was chosen to play a part in "The Wizard of Oz", but bowed out. He also shot the first film used in Walt Disney's animation tests for a character named Mortimer Mouse, who would be known as Mickey Mouse. He is best known for portraying Jed Clampett in the CBS-TV series, "The Beverly Hillbillies".
http://timstvshowcase.com/barnaby.html

    1975 - President Gerald Ford asks Congress for an additional $522 million in military aid for South Vietnam and Cambodia. He revealed that North Vietnam now had 289,000 troops in South Vietnam, and tanks, heavy artillery, and antiaircraft weapons "by the hundreds." Ford succeeded Richard Nixon when the latter resigned the presidency in August, 1974. Despite his wishes to honor Nixon's promise to come to the aid of South Vietnam, he was faced with a hostile Congress who refused to appropriate military aid for South Vietnam and Cambodia; both countries fell to the communists later in the year.
    1976 - George Harrison announced that he would participate in a planned Beatles reunion concert. The other three members had already agreed, but nonetheless the concert did not materialize.
    1977 - The Sacred Congregation for the Doctrine of Faith published an 18-page document ruling out the admission of women to the Roman Catholic priesthood because women lacked a "natural resemblance which must exist between Christ and his ministers."
    1977 - The first day of the Great Lakes Blizzard of 1977 which dumped 10 feet of snow in one-day in upstate New York, with Buffalo, Syracuse, and Watertown and surrounding areas most affected.
    1978 - The Manhattans' "Am I Losing You" enters the soul charts
    1978 - ”Fantasy Island” premiered on TV. You knew you were a bona fide "star" in the '70s when you received a casting call from "Fantasy Island." Young and old stayed home on Saturday night to watch Mr. Roarke introduce guest stars anxious to live out their fantasies in camp splendor. Ricardo Montalban starred as our prescient guide, Mr. Roarke; with Hervé Villechaize as Tattoo; Wendy Schaal as Mr. Roarke's goddaughter, Julie; and Christopher Hewett as Mr. Roarke's assistant, Lawrence. The show's run of 130 episodes, ending on Aug 18, 1984, was produced by Aaron Spelling and Leonard Goldberg. Who can forget Tattoo's opening lines each week, "De plane, de plane!"
http://timstvshowcase.com/fantisle.html
    1979 – “CBS News Sunday Morning” debuted with its co-creator, Charles Kuralt as host.
    1980 - Top Hits
“Rock with You” - Michael Jackson
“Do that to Me One More Time” - The Captain & Tennille
“Coward of the County” - Kenny Rogers
“I'll Be Coming Back for More” - T.G. Sheppard
    1980 – Speaking of the Coast Guard, the cutter Blackthorn collided with the tanker Capricorn while leaving Tampa and capsized, killing 23 Coast Guard crewmembers.
    1981 – President Reagan lifted the remaining domestic petroleum price and allocation controls, helping to end the 1979 energy crisis.
    1983 - The surreal Videodrome”, starring James Woods and Debbie Harry of Blondie fame, opened in United States theaters.
    1984 - Mr. Glynn Wolfe marries for non-bigamous record 26th time, Las Vegas NV. He died in 1997 after being married 29 times.
http://www.anastasiabaptist.org/sermon_feb_09_2002.html
    1984 - Record 295,000 dominoes toppled at Fuerth, West Germany. This started a craze. The latest record occurred on December 31, 2000 in an event held jointly by Japan's Tokyo Broadcasting System and China's Beijing Television.  3,407,535 dominoes were toppled in 31 min, 2 sec at the Gymnasium of Yi Fang Yuan, Beijing, China.
http://www.guinnessworldrecords.com/content_pages/
record.asp?recordid=48881

http://www.tradgames.org.uk/games/Dominoes.htm
    1985 - 45 of the top recording artists in the world were invited to an all-night recording session at Los Angeles, California's A&M studios. As each artist entered the studio door, they saw a hand-lettered sign, by Lionel Richie, saying, "Check your ego at the door." The session, conducted by producer Quincy Jones, started at 10 p.m., and by 8 a.m. the following morning, "USA for Africa", spearheaded by promoter Ken Kragen, was recorded and mixed. The resulting song, "We Are the World", featured Michael Jackson, Cyndi Lauper, Kenny Rogers, Dolly Parton, Sting, Harry Belafonte, Diana Ross, Paul Simon and others. It became the top song in the United States. A year later, the song won Grammy Awards for song, record and video of the year. "We Are the World" also included contributions from Bruce Springsteen, Stevie Wonder, and Bob Dylan.   USA For Africa, the organization responsible for administering the money, is said to have raised $61.8 million from sales of the single, album, video and other merchandise.  About 7.2 million singles and albums were sold.
    1986 - At 11:39 AM, EST, the Space Shuttle Challenger STS-51L exploded, 74 seconds into its flight and about 10 miles above the earth. Hundreds of millions around the world watched television replays of the horrifying event that killed seven people, destroyed the billion-dollar craft, suspended all shuttle flights and halted, at least temporarily, much of the US manned space flight program. Killed were teacher Christa McAuliffe (who was to have been the first ordinary citizen in space) and six crew members: Francis R. Scobee, Michael J. Smith, Judith A. Resnik, Ellison S. Onizuka, Ronald E. McNair and Gregory B. Jarvis.
    1987 - ABC-TV relocated reporter, Charles Gibson, to the co-anchor chair next to Joan Lunden for the start of another chapter of "Good Morning America" when its host of 11 years, David Hartman resigned.
    1987 - After 7 tempestuous years, Roger Mudd left NBC News. Previously, Mudd, an icon at CBS News, felt passed over when it was announced Dan Rather would replace Walter Cronkite as anchor of "The CBS Evening News". He went on to work at PBS, where he contributed to "The MacNeil-Lehrer News Hour".
    1988 - Top Hits
“The Way You Make Me Feel” - Michael Jackson
“Need You Tonight” - INXS
“Could've Been” - Tiffany
“Where Do the Nights Go” - Ronnie Milsap
    1988 – The Supreme Court of Canada struck down all anti-abortion laws, effectively allowing abortions in Canada in all 9 months of pregnancy.
    1989 - The Bachman-Turner Overdrive lineup of guitarists Randy Bachman and Blair Thornton, bassist Fred Turner and drummer Robbie Bachman played together for the first time in 11 years at a reunion concert in a Vancouver nightclub. BTO was joined on stage by Paul Dean of Loverboy and Bryan Adams for BTO's 1974 hit "Taking Care of Business" and a rock 'n' roll oldies medley.
    1989 - Nome, AK, reported an all-time record low reading of 54 degrees below zero, and the temperature at Fairwell, AK dipped to 69 degrees below zero. Deadhorse, AK reported a morning low of 49 degrees below zero, and with a wind chill reading of 114 degrees below zero. In the Lower Forty-eight States, a winter storm over Colorado produced up to 15 inches of snow around Denver.
    1990 - Strong and gusty winds prevailed across the northwestern U.S., and heavy snow continued over the mountains of Washington State and Oregon. In Idaho, Mullan received seven inches of snow, and winds gusted to 65 mph southeast of Burley. Heavy rain soaked coastal sections of western Oregon. Rainfall totals of 1.20 inches at Portland and 1.57 inches at Eugene were records for the date. Winds in Oregon gusting to 60 mph downed power lines in Umatilla County knocking out power to more than 13,000 homes, just prior to the kick-off of the "Super Bowl" game.
    1990 - The San Francisco 49ers defeated the Denver Bronco, 55-10, to win Super Bowl XXIV, and it wasn’t that close! 49ers quarterback Joe Montana won the Super Bowl MVP award for the third time, the only player in NFL history to do so.  He completed 22 of 29 passes for 297 yards and five touchdowns, including three to wide receiver Jerry Rice. Tickets: $125.00.
    1993 - MTV said it would not air "Big Boys Bickering" as part of its special "Paul McCartney Up Close." The US music video channel was upset with the profanity in the song, which McCartney's publicist said was a protest against governments' refusal to act together against global pollution.
    1993 - A mix-up at a Dallas CD manufacturer resulted in about 30 copies of the Dead Kennedy's album "Fresh Fruit for Rotting Vegetables" being mislabeled as a religious radio program called "Powerline." The Southern Baptist Radio-TV Commission had to call more than 1200 stations to warn them of the error. The Kennedy's album contained such lines as "God told me to skin you alive."
    1994 - In Los Angeles, Superior Court Judge Stanley Weisberg declared a mistrial in the case of Lyle Menendez in the murder of his parents. Lyle, and his brother Erik, were both retried later and were found guilty. They were sentenced to life in prison without parole.
    1995 - TLC's "Creep" hit number one on the "Billboard Hot 100". The smash held down the top spot for four weeks : “So I creep yeah; Just keep it on the down low; Said nobody is supposed 2 know; So I creep yeah; 'Cause he doesn't know; What I do and no attention; Goes to show oh so I creep.”
    1996 - Diana Ross performs at the Super Bowl XXX halftime show in Tempe, AZ.
    1996 – The Dallas Cowboys became the first franchise to win three Super Bowls in four seasons by defeating Pittsburgh in Super Bowl XXX (at Tempe): Dallas Cowboys 27, Pittsburgh Steelers 17. It was the first loss in the Super Bowl for the Steelers after four wins, at the time the most in history.  Most Valuable Player of the game: Dallas cornerback Larry Brown. Who's Larry Brown, you ask? He's the one who intercepted the two Neil O'Donnell passes that (1) stopped two Pittsburgh drives and (2) set up two Dallas touchdowns. Tickets: $250.00.
http://images.nfl.com/history/images/0128.jpg
    1998 - Ford Motor Company announced the purchase of Sweden's Volvo AB for $6.45 billion.  Ford sold the Volvo Car Corporation in 2010 to Geely Automobile of China for $1.8 billion. 
    1999 - Pat Boone formed the Gold Records label, which will only sign artists 45 years old and up. The first performer signed was Jack Jones.
    1999 - Missouri Gov. Mel Carnahan, honoring a personal request for mercy from Pope John Paul II, spared a triple murderer from execution.
    2001 - Super Bowl XXXV (at Tampa): Baltimore Ravens 34, New York Giants 7. “We feel we're the best defense to ever play the game,” boasted Ravens' defensive tackle Tony Siragusa. Arguably, the 2000 Ravens' defense ranks up there with the 1960's Fearsome Foursome of the Los Angeles Rams, Miami's 1972-1973 No-Name Defense, the 1974-1979 Pittsburgh Steelers' Steel Curtain, Dallas' Doomsday defense of the 1970s, the 1973-1976 Purple People Eaters in Minnesota and the 1985-1986 Chicago Bears. MVP: Ravens' linebacker Ray Lewis, who led a defense that intercepted four of NY quarterback Kerry Collins' passes, allowed only a punt-return touchdown (by the Giants' Ron Dixon) and held New York to 152 yards of offense. Tickets: $325.00 to $400.
    2001 - Instead of performing the US national anthem at Super Bowl XXXV in Tampa Bay, FL, Ray Charles performs his version of "America The Beautiful." (The Backstreet Boys sing the actual anthem.)
    2010 - Federal Reserve Chairman Ben Bernanke won Senate confirmation for a second term.


Super Bowl Champions This Date
    1990 - San Francisco 49ers (San Francisco 55, Denver 10)
    1996 - Dallas Cowboys (Dallas 27, Pittsburgh 17)
    2001 - Baltimore Ravens (Baltimore 34, New York Giants 7)

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Top Stories

(chronological order)

- CIT Bank/OneWest Bank Merger More Protests
- Downside of Medallion Financial Only Just Beginning
- 37 Months for $433,000 Leasing/Loan Fraud Scheme
- CLP Membership Reaches Highest Since Inception
- Fortress Buys MicroFinancial for $147 Million
- As Economic Headwinds Subside, Businesses
   Increasingly Reach Out for Financing
- New Standard Mileage Rates Now Available
- Ben Carlile Joins Leasing News Advisory Board
- SBA Reaches Record High in Loans to Small Business
- BBB Leasing Company Ratings
    December 10, 2014
- Complaints Bulletin Board BBB Ratings
- Baytree National Bank sells Equipment Leasing
   and Financing Business to North Community Bank
- Direct Capital Chris Broom Buys $8 Million Home
    Appears Keeping Former Tyco President Mansion in NH
- Matrix Business Capital, Long Beach, California
    Bulletin Board Complaint
- Blue Bridge Financial, Buffalo, New York
    Bulletin Board Complaint--Doesn't Pay Broker   
- Balboa Capital Sued in Federal Court for
        Bait and Switch Sales Tactics
- Direct Capital Chris Broom Buys $8 Million Home
    Appears Keeping Former Tyco President Mansion in NH
- Beware Congress May Pass Changes if FASB Does Not
- Largest Bank Failure in 2014
   Fourth Indian-American Bank to Fail in Chicago
- Details, Details...How Important are they?
   Very, When the Lessor Sneaks in a Blanket Lien
- First American Equipment Finance Now Employs Most CLPs
- Compensation Plan
- What the Marlin 3rd Quarter Press Release Did Not Include
- Who Will be the New Head of Direct Capital?
- Dave & Mike Murray,
  the Original Founders of Direct Capital
- What is Leasing?
    Legal Definitions by Leasing News Legal Editor Tom McCurnin
- Vote “Yes” on CIT Bank and OneWest Bank Merger
- What Lessors Now Need to Know About Hacking
- Why Leasing News “Job Wanted” Ads Are Sparse
- Ascentium Capital Opens New England Office
- Equipment Tax Deductions
- September 2014 Broker Survey Results
- Reaction to Wheeler 2014 Broker Survey
- Victim or Might Be a Victim of Identity Theft?
- Comcast home invasion lawsuit exposes risks
   for home automation, security service providers
- Quick Bridge Funding Ranked No. 1 Fastest Growing
  Private Midsize Company in Orange County, California
- Richest Man in Leasing: Steven Udvar-Hazay
- Derek Jeter's Final Game at Yankee Stadium
   by Ralph Mango, Leasing News Associate Editor
- Invest in Your Country
  U.S. Savings Bonds
- How to be a “Leasing Expert Witness”
    and Make Extra Income
- 2014 Survey Reports Expert Witness Hourly Fees
    Record  All-Time Highs
- Steve Crane, CLP, Joins BSB Leasing
- Alexa Report--Leasing Industry Web Site Visits
- Where to Sell Your Old Handsets or iPad
- Tiny Breathalyzer Plugs into Your Phone
- Bank Savings Are Growing
    Showing Anxiety of Businesses/Consumers
- Rosanne, Richard, and the Veterans Administration
- Dean Rubin Found, Ultimate Financing
      a Division of Navitas Lease Corp.
- U.S. Savings Bonds
- Balboa Capital Settles $36,454 Attorney Fee Complaint
   After Getting Suit Dismissed Against Regents Capital

- Your Photograph on LinkedIn.com
Use a Password Generator
- Banks Turn Toward Leasing for More Profit
- 15 Biggest Employers in the World
- Déjà vu on Proposed Lease Accounting Changes
- What $11.62 Trillion Worth of Household Debt Looks Like
- Broker’s Responsibility to Obtain
    California Lender’s License
- Dakota Financial saves $14,400 in document storage costs
   after deploying Office 365
- Programs to Protect Smartphones/Tablets/Laptops
- Who is Financing the Other Four?
    by Christopher Menkin
- Top Five Leasing Company Web Sites—
    in North America 
- Leasing News Icon for Android Mobile Device
- The Salary You Must Earn to Buy a Home in 27 Metros
- Lease Fleece Judge Verdict on Citibank Kingpin
- New CLP Designation---“Associate”
- Look for More Changes in Conducting Leasing
- 5 Ways to Give Your Brain a Break Right Now
- LEAF Financial Income Fund III Complaints
   10K Gives Numbers
- “A Great Time to be in the Equipment Leasing Industry”
- Why Leasing News is Different
- Loan/Lease Regulations
- Take Your Banker to Lunch
- Look Out!!! --Two Evergreen/PRR Clause Lessors Merge
   Onset Financial/Mazuma Capital
- Lease Police Tips on Judging Vendors
- Netiquette: Rules of Behavior For Email and the Internet
- Alert: Rudy Trebels Back Soliciting Broker Business
- HL Leasing/John Otto--Update
- NorVergence- Year end, 2013
- The Future of Digital: 2013
- Twelve Lawyers Against Evergreen Clause Abuse
- Wants to Go After Lessors and Their Attorneys
   Re: Evergreen Clause Abuses
- Sample of Usury Laws in United States
- Balboa Capital Class Action Case Settled--$5 million?
- Old Cowboy On His Horse
- Leasing Brokers: When May You Collect a Commission?
- Is Long Term Leasing Dead?
- 5 Ways Women Are Better Bosses Than Men
- Balboa Capital, Irvine, California
   $20,543.22 Bulletin Board Complaint
   Alleged “Bait and Switch”
- Female Lease Finance Association Presidents
- Broker’s Responsibility to Obtain
    California Lender’s License
- The Day that Albert Einstein Feared May Have Finally Arrived
- Equipment Finance Agreements Explained/Barry S. Marks
- Royal Links "True Lease" Court Ruling
- "The Memory Shock" –New Book by Barry Reitman
- Mazuma and Republic Bank Get Snared on PRR Provision
   by Tom McCurnin, Esq.
- Jeff Taylor's Leasing Predictions, Spring, 2006
- Radiance Capital, Tacoma, Washington
   Bulletin Board Complaint 
   Purchase Option on EFA, Won’t Return $5,000 S.D.
- New Case against Mazuma Capital and Republic Bank
  ---Automatic Evergreen Payment---PPR
- Republic Bank out of leasing?
- Charles Schwartz and Allied Health
- Copier Wars---It's more than the lease payment
    by Christopher Menkin
- Leasing Gypsies
- Verifying Tax Returns
- Special Report: Part I
   Could Church Kiosks, Royal Link Carts, NorVergence results been avoided?

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

   Equipment Lease Agreement (EFA)
- California License Web Addresses
- Settlement Costs vs. Litigation Costs