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

Thursday, May 18, 2017

Today's Equipment Leasing Headlines

Leasing News Website Blocked by US Bank
  How to Reach Us
WannaCry Cyber Attack and Others Still to Come
 Reason: Too Many non-Windows 10 Users
Job Wanted – Collections
  Work Remotely or Relocate for Right Opportunity
Top Stories: May 16 - May 18
   (Opened Most by Readers)
Leasing Industry Ads---Help Wanted
   Career Opportunities Available
CFPB Goes on Warpath Against
Four California Tribal Lenders

   by Tom McCurnin, Leasing News Legal Editor
Leasing 102 by Mr. Terry Winders, CLFP
   Leasing Format Active Until End of Year for Many
Leasing News Does Not Do Banner Ads
  We do Display Ads
LeaseQ to Double in Size Following Series A Funding
   Add 17 New Hires in 2017
Federal Reserve Board issues Report
  on the Economic Well-Being of U.S. Households
Shepherd, Labrador Retriever Mix
Chicago, Illinois Adopt-a-Dog
The Numbers Behind Google's Online Empire
Six of Google's Service Have Reached Over 1 Billion Users
News Briefs---
Why Bank Black Movement Essential to Small Businesses
Last 15 years, the number of black-owned banks has sharply declined
Why Hollister City Council approves $1.6 million
  for leasing four new fire engines
MB Financial Betting on Chicago
 Acquiring Dozens Banks and Financial Companies
Equipment Leasing & Finance Foundation
    2016 Annual Report  (40 pages/digital or pdf)
Softbank aims to close $100 billion international fund
   for technology sector in 6 month

Broker/Funder/Industry Lists | Features (writer'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 

You May have Missed---
Franchising a Restaurant, Explained
 Baseball Poem
  Sports Brief----
   California Nuts Brief---
   "Gimme that Wine"
     This Day in American History
       Daily Puzzle
         Weather, USA or specific area
          Traffic Live----

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

Please send a colleague and ask them to subscribe. We are free.
Email and in subject line: subscribe




Leasing News Website Blocked by US Bank
  How to Reach Us

An reader emailed Leasing News last week:

"FYI – U.S. Bank has blocked Leasing News due to threat of malware/spyware. I called our help desk to request the site be unblocked and was told that we have heightened security due the WannaCrypt virus."

- from a Senior Vice President at UP Bank Equipment Finance, who also told Leasing News:

“The email came through without issue. The web site is blocked. The warning restriction I sent is what I received when I tried accessing your URL," he explained.

“I am on the email list and receive Leasing News both at work and on my personal email.”

It appears our news edition is available from the mailing list, sent out by Constant Contact, which is tied to a different website.

The website, which also posts the news edition, can be reached from a smartphone, laptop, and noncompany computer.

Any readers experiencing difficulty, please contact me. 




WannaCry Ransomware Attack and Others Still to Come
Reason: Too Many non-Windows 10 Users

The system is passed through emails to Microsoft computers who no longer are being up-dated by Microsoft. In 2014, Microsoft stopped providing security updates for XP. WannaCry not only infects the operating system, but then is unknowingly sent out from the unprotected computer via spam.

As the chart above show, Windows 7 is the far most common version of Windows. An XP Windows patch was released only as an emergency measure, after most of the damage was done. The patch was only available to paying Customer Support customers, but most XP users were left vulnerable.

Reportedly here is a published a tool to manage the process for Windows 7, XP, Vista, and other affected versions:

Experts for years have targeted XP. With the new programs, Apps that  run on Windows 10 and not designed for earlier operating systems, why would millions of people and companies still run them, especially with much to lose?

Leasing New has sent out this advice to small companies, college systems, home users, and larger companies on what their employees should be running to protect their device from such programs. And yes, you can back up your data, but remember, you have to re-install all the operating systems with the latest updates, as the back-up is for data only that runs on the most current operating systems you have installed on your computer. It is a laborious project, and often not always "complete."

Wanna Cry Ransomware : Update 5/21/2017 Fix

Protect Your Computer/Laptop 



Job Wanted – Collections
Work Remotely or Relocate for Right Opportunity

Each Week Leasing News is pleased, as a service to its readership, to offer completely free ads placed by candidates for jobs in the industry.  These ads also can be accessed directly on the website at:
Each ad is limited to (100) words and ads repeat for up to 6 months unless the candidate tells us to stop. Your submissions should be received here by the end of each week. 

Chicago, Illinois
Seasoned Risk and Portfolio Management professional with strong Collections, Workouts, Portfolio Management, Underwriting, Process Improvement and Credit Management background. Deep expertise in risk management and portfolio management within a regulated and compliance-driven banking environment. Partners with senior leadership to identify business risks and determine business strategy based on market and industry trends. Leads initiatives to improve efficiency and mitigate risk. Leverages business acumen and expertise gained through experience across multiple industries, including industrial, consumer and financial services, to develop and implement solutions, improve profits and reduce losses. Significant large-scale project management experience.
Demonstrated ability to analyze and articulate complex issues and implement process improvements. Excels in evaluating and mitigating customer credit risk, profit improvement, management reporting, loss mitigation and business intelligence 


Work Remotely from Portland, Oregon

Experienced commercial banker and former commercial equipment leasing industry professional seeking full-time or part-time work out of my home in Portland, Oregon. Over twenty years’ experience in credit analysis, underwriting, sales and collections. Known for creative problem solving and strong quantitative & qualitative analytical skills.  Demonstrated ability to gather information, evaluate and make informed strategic business decisions to maximize profit and mitigate risk. Well known for ability to develop strong business relationships with Clients and large list of national equipment leasing Brokers. Please see attached resume and contact me below if interested. 



Leasing Industry Help Wanted

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

Please see our Job Wanted section for possible new employees.


Top Stories: May 16 - May 18
(Opened Most by Readers)

(1) Is This a Forecast of Things to Come?
   by Christopher Menkin

(2) New Hires---Promotions in the Leasing Business
  and Related Industries

(3) DocuSign Breached, Malware To Blame
Emailed Subscribers Not to Open Suspicious eMail

(4) Crestmark Acquires Florida-based Allstate Capital
Equipment Leasing Division Grows with Small Ticket Leasing Leader

(5) ELFA Legal Forum Recap--Tips and News
   from Barry Marks, Esq., CLFP

(6)  Ascentium Capital Surpasses $3.0 Billion
         in Origination Volume

(7) Protect Your Computer/Laptop
         by Kit Menkin

(8) Site Inspection Services
   Quiktrak Updated

(9) Correction---Top Story Links Now Working
        May 8 – May 12

(10) Sales Makes it Happen by Scott Wheeler, CLFP
            Showing Up





CFPB Goes on Warpath Against
Four California Tribal Lenders

by Tom McCurnin
Leasing News Legal Editor

CFPB Alleges That Borrowers Were Scalped
by Tribal Lender
Through Regulation Z Violation

Consumer Financial Protection Bureau v Golden Valley Lending cv-17-3155 (N.D. Ill. 2017)

A few months ago, I reported on the travails of Miami Nation Enterprises, a tribal pay day lender, and the fact that the California Supreme Court held that such tribal lenders are subject to California (not tribal) law (1). 

The Consumer Finance Protection Bureau (CFPB) took up a similar matter last month, filing suit in an Illinois district court against four California based tribal lenders for consumer violations of Regulation Z and other federal laws.  Basically the fact pattern for all four lenders is identical. While ostensibly based in California, the tribe only has about 30 members and the relationship between the tribe and the lender is murky at best. Most of the day-to-day operations are run out of a rural Kansas office. Most of the deals are lassoed by brokers who refer the borrowers to the Kansas call center. 

The fact pattern for all four lenders is generally the same. The lenders, owned by a tribal entity, use lead generators located throughout the United States, and the leads are sent to a call center in Overland Park, Kansas. In addition, the loans may be obtained directly over the Internet at

There, the loans are documented and sent out over the Internet for electronic signatures of the borrowers. The interest rates run from 440% to 950%. The loan term is about 10 months. 

The lenders use the services of a third party which supplies the tribe the money to loan through participation agreements. The participants are not parties to this lawsuit—yet. 

Many states have sent cease and desist letters to the lenders, but the response is that the tribes are not subject to state regulatory laws, are sovereign entities and are immune from suit. The lenders use the ACH network to pull loan payments from borrower’s accounts. The borrower base is nationwide.

Borrowers are allegedly lied to about the cost of the loans and the actual amortization amounts are buried in the loan document, not separately issued, like Regulation Z requires. 

The CFPB seeks damages in an unspecified amount and an injunction against further lending. Given the fact that the California courts have no love lost for these forms of lending, I was surprised that the suit, which could have been brought anywhere, was filed in Illinois. I will note that under the law of about six states, usurious loans are absolutely void, as opposed to the law of most states which hold that only the illegal interest portion of a usurious loan is void. 

The action is in the complaint stage, so there are no legal decisions to analyze. But I do offer some pithy analysis anyway:

• First, tribal pay-day lending is not a sustainable business model. Between Illinois and California, this form of lending may not be long for this world.  Don’t expect a peace pipe here.

Second, Those companies which invest in tribal lending may be at risk. The CFPB complaint goes to great length to discuss the terms and the repayment terms. The investors are discussed, mentioned. But they are not named as parties to the suit. I wouldn’t be surprised if these participants are named later.

The bottom line to this little case is that the days tribal pay day lending will be over if the CFPB has its way. That assumes Congress keeps the CFPB in place, given the desire of some members of Congress to gut the Dodd-Frank Bill and its child the CFBP. 

(1) California Supreme Court Scalps Pay Day Lenders
   Using Indian Tribes as Surrogate Lenders

CCFPB v Golden Valley (29 pages)

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

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

Previous Tom McCurnin Articles:




Leasing 102 by Mr. Terry Winders, CLFP
Leasing Format Active until End of Year for Many


  • Non-Lease-Lease .. A disguised loan using a lease form
  • A Non Tax Lease.. A lease to a non-profit 501-C Company
  • A Tax Lease .. A lease to a for –profit Company
  • A TRAC Lease.. A lease on transportation equipment licensed for over-the-road-use
  • A split TRAC Lease.. A Lease on transportation equipment that splits the residual guarantee between lessee and Lessor
  • A Municipal Lease.. A Lease to a political subdivision that has taxation powers
  • A 1 st Amendment Lease.. A Lease that has multiple lease terms
Synthetic Lease.. A loan qualified as a lease for accounting purposes
Non-Lease Lease 
  Money over Money
  $1 Purchase Option
  Finance Lease
Fails to Qualify Capital Lease
Depreciate over true use
Direct Finance lease Lender 
Sales type Lease
Lease Agreement, Bargain P.O.
Article 9
Non-Lease Lease
Money over Money
Bargain Fixed Purchase Option
Finance Lease
Fails to Qualify Capital lease
over true use
Direct Finance lease
Sales type Lease
Lease Agreement, Fixed P.O.
Article 9 if bargain
Article 2A if no bargain
Non-Tax Lease
Money over Money
$1 Purchase Option
Finance Lease
Straight Line Dep.
Not for profit use
Capital lease
over true use
Direct Finance lease
Sales type Lease
Lease Agreement, Bargain P.O. 
Article 9
Non-Tax Lease
Money over Money
Fixed Purchase Option
Finance Lease
Fails to Qualify
Not for profit use
Capital lease
over lease term
Direct Finance lease
Sales type Lease
Lease Agreement, Fixed P.O.
Article 9 if bargain
Article 2A if no bargain
Tax Lease
True Lease
Fixed Purchase Option
FMV Lease
For Lessor
Rent Expense
For Lease
Capital Lease
if rent over 90%
Operating Lease
if rent under 90%
if IR over 90%
Operating Lease
if IR under 90%
Lease Agreement, Fixed P.O.
Article 9 if Bargain
Article 2A if no Bargain
TRAC Lease
True Lease
Lessee guarantee
For Lessor
Rent Expense
For Lessee
Capital lease
over true use
DFL or STL Lease Agreement, Fixed P.O. Article 9

Municipal Lease
Bargain P.O.
Essential use

Tax Free Capital Lease DFL or STL Article 9
Municipal Lease
No Bargain P.O.
Taxable with
no depreciation
Capital Lease
if rent over 90%
Operating Lease
if rent under 90%
if IR over 90%
Operating Leasse
if IR under 90%
Article 2A
1st Ammendment Lese 
True Lease
Two Term Lease

Return Equipment
after 2nd term
For Lessor
Rent Expense 
For Lessee
Capital lease
if rent over 90%
Oprating Lease
if rent under 90%
DFL or STL Lease Agreement, Fixed Bargain P.O.
Article 9 if bargain
Article 2A if not bargain
Synthetic Lease
True Lease
Two Term Lease

Return equipment after 2nd term or $1P.O.
Fails to qualify Operating lease 
for first term
Capital Lease
form 2nd term
DFL or STL Article 9

This format will change after the implementation by the Financial Account Standards Board (FASB) and its international counterpart (IASB) required by 2018 – 2019. The effective dates vary. Please consult your CPA. 




Leasing News Does Not Do Banner Ads
We do Display Ads

Display Advertising

Leasing News does not do small or flashing banner ads, but what are
considered “display ads.” They are larger, with more information, and are not placed at random. They are specifically displayed in news stories that  will appeal to the clients the “display ad” is directed. The ads are placed by
the editor in each news edition.

Prices Vary and depend on the term chosen

Longer terms as well as a "mix and match of sizes" are available. Most longer term advertisers have ads that rotate, meaning a different ad appears in each news edition.

Discount: Quarterly Semi-annual
One Month Three Months Six Months One Year
$695 $650 $600 $550
$895 $795 $750 $700
$995 $885 $850 $800

6.5W X 2.5 H
468W X 180H

6.5" W X 2.5" H
468W X 180H

6.5" W X 4" H
468W X 288H

Sizes are approximate and may vary, depending on the ad.




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

LeaseQ to Double in Size Following Series A Funding
Add 17 New Hires in 2017

Equipment financing marketplace to add staff,
new verticals and same day financing in 2017

BURLINGTON, Mass. – LeaseQ, an online marketplace and finance platform connecting business owners, equipment sellers, and lenders to make selling and financing equipment fast and easy, today announced plans to double the size of the company in 2017 with 19 new hires, service expansion into three new vertical markets, and same day financing with instant quotes.

Vernon Tirey

“ELFA (Equipment Leasing and Finance Association) recently reported that 8 in 10 U.S. businesses finance their equipment to manage risk, maintain cash, keep up-to-date with technology and more. There is a clear need for automated equipment financing solutions like LeaseQ,” said Vernon Tirey, co-founder and CEO of LeaseQ. “Our vision for LeaseQ has always been to make equipment financing easy, fast and more cost effective, and today, we’re doing that for borrowers, lenders and vendors in 28 vertical markets with more on the horizon.”

LeaseQ began hiring for its Funding and Sales teams earlier this year, and plans to add a total of 19 new employees in 2017. The additional staff will support development of same-day financing, and help service new vertical markets in machine tools, high tech and cannabis. LeaseQ is currently hiring sales leadership for all three groups. Interested candidates should contact

LeaseQ currently supports borrowers, lenders and vendors in 28 vertical markets on its automated equipment financing platform, with recent expansions into commercial trucking, brewing and foodservice packaging. In November 2016, LeaseQ acquired Noesis, the leader in commercial building equipment financing, to better serve building equipment manufacturers, distributors, contractors and their customers. LeaseQ continues to partner with leading lenders and equipment sellers, and joins relevant trade organizations in every vertical it serves.

Key drivers of LeaseQ’s growth include a recent Series A funding round from existing angel investors, sales success with a focus on food and beverage, and strategic executive hires, including John Caruso, vice president, funding operations.

 About LeaseQ

LeaseQ is an online marketplace that connects businesses, equipment sellers, and equipment finance companies to make selling and financing equipment fast and easy. The LeaseQ platform is a highly configurable, free, cloud-based SaaS solution with a suite of on-demand software and data solutions for the equipment leasing industry. LeaseQ provides business process optimization (BPO) and information services that streamline the purchase and financing of business equipment across a broad array of vertical industry segments. Learn more at

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



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

Federal Reserve Board issues Report
on the Economic Well-Being of U.S. Households

"More broadly, 44 percent of all respondents could not cover an unexpected $400 emergency expense or would rely on borrowing or selling something to do so. The survey also shows that many adults have no savings for retirement."

Overall, 70 percent of respondents said they were either "living comfortably" or "doing okay," up 1 percentage point from 2015 and up 8 percentage points from the first survey results in 2013. The improvements in well-being as reported by the survey respondents are concentrated among adults with at least some college education.

Dr. Lael Brainard
Federal Reserve Board Governor

"The survey findings remind us that many American households are struggling financially, including fully 40 percent of those with a high school diploma or less," said Federal Reserve Board Governor Lael Brainard. "More broadly, 44 percent of all respondents could not cover an unexpected $400 emergency expense or would rely on borrowing or selling something to do so. The survey also shows that many adults have no savings for retirement."

The survey results also highlight differences in how those who went to college perceive the value of their education. Respondents who failed to complete at least an associate degree were less likely to report that the financial benefits exceeded the cost than were those who completed a degree. Although majorities of degree completers from a wide range of majors indicated that the financial benefits of their education exceed the costs, respondents with a degree in engineering were the most likely to report that their education was financially worthwhile. And perceived value also varied among those who attended public, non-profit, or for-profit institutions.

The survey covers several aspects of financial instability. Twenty-three percent of adults did not expect to be able to pay all of their current month's bills in full; 25 percent reported skipping medical treatments due to cost in the prior year; and, if faced with an unexpected $400 emergency expense, 44 percent of adults either could not pay the expense or would borrow or sell something to do so. This share of adults who appeared ill-prepared for a $400 emergency has declined 6 percentage points since 2013, and the share who reported missing medical treatments due to an inability to pay has declined 7 percentage points since 2013.

An additional concern among some workers was the scheduling requirements of their employer. Seventeen percent of workers, including 24 percent of those with a high-school education or less, report that their schedule varies from week to week based on employers' needs. Of those with variable schedules, two-thirds receive their schedule six days in advance or less, and 37 percent either have on-call scheduling or receive notice one day or less in advance.

In addition to the short-run challenges that some adults experience, a continued challenge that is also highlighted in the findings is a difficulty planning for the long-term needs in retirement. This includes the 28 percent of non-retired adults who lack retirement savings, and--among those who are saving--a lack of comfort in managing these savings. Fifty-three percent of adults with self-directed retirement accounts were either "not comfortable" or only "slightly comfortable" in their ability to make the right investment decisions about those accounts. Forty percent of black retirees and 50 percent of Hispanic retirees indicate that poor health contributed to their decision about when to retire, compared to 26 percent of non-Hispanic white retirees for whom health was a deciding factor.

Previous surveys have informed the Federal Reserve and other government agencies about consumer financial behavior and opinions. More than 6,600 respondents completed the survey. Topics covered in the survey and the report include individuals' overall financial well-being, employment experiences, income and savings behaviors, economic preparedness, access to banking and credit, housing and living arrangement decisions, education and human capital, student loans, and retirement planning.

The report and a video summarizing the survey's findings may be found at:

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




Shepherd, Labrador Retriever Mix
Chicago, Illinois Adopt-a-Dog

Age: 3 months
Weight 17 lbs.
Location: Lincoln Park Adoption Center
(Pippen Faseas Adoption Center
1997 Clybourn Avenue
Lincoln Park Neighbor
Chicago, Illinois

773-935-7297 (PAWS)
Sat & Sun: 11 a.m. - 6 p.m.
Mon-Fri: 12 - 7 p.m.

Adopt a Pet




News Briefs---

Why Bank Black Movement Essential to Small Businesses
Last 15 years, the number of black-owned banks has sharply declined

Why Hollister City Council approves $1.6 million
for leasing four new fire engines 

MB Financial Betting on Chicago
 Acquiring Dozens Banks and Financial Companies

Equipment Leasing & Finance Foundation
    2016 Annual Report  (40 pages/digital or pdf)

Softbank aims to close $100 billion international fund
  for technology sector in 6 month




You May Have Missed---

Franchising a Restaurant, Explained
Do the benefits outweigh the costs and pitfalls?


Baseball Poem ---

Written by Don Angel © in 08-1997

Published: Baseball Almanac (08-2003)

The sun is shining bright
No clouds are in sight
Pitching would be the key
Innings one, two and three
Inning four
Visitors strike a 1-0 score
Inning five
Bats come alive
Eight batters would come to the plate
Three runs being the fate
Being down by four
The home team needs to score
A single to left
Eyeing a base running threat
The pitcher's attention is slow
So off to second the runner goes
On the catcher's attempted throw
Sailing into the shortstop to low
Line drive up the middle
Another run is whittled
As a result of a homerun
Now entering the sixth, down one
Visitors still winning
Sixth, seventh and eighth inning
At the start of inning nine
It is up to the relief to shine
A strikeout of the side
Brings the bottom of the ninth in stride
As the closer comes into put out the fire
Team members are asked to show their desire
The batter takes his stance
Giving the third base coach a glance
Three balls, two strikes
Hoping for one he likes
An umpire's call
"A ball"
First base on a walk
Second base on a balk
With runner intact, the crowd reacts
When a feared slugger comes to bat
Wishing for a seventh game remembrance
Broadcasters giving those not in attendance
"It's a long fly,
and Aloha, means good-bye"!



Sports Briefs----

Report: Kids still flocking to baseball, softball diamonds

Marshawn Lynch went on a bike ride in Oakland
    and hundreds of people followed along

Study shows LeBron's presence significantly increases
   number of restaurants within a mile of The Q


California Nuts Briefs---

How a Menlo Park neighborhood shaped the future of Nextdoor

Best Bay to Breakers Photographs   (150)

Rocker Sammy Hagar couldn’t do it
  But one Roseville sushi chef did



“Gimme that Wine”

Washington Wine Industry Pursues Ambitious Goals
Largest producer Ste. Michelle predicts vineyard acreage will quadruple

Jackson Family Wines buys Santa Barbara County winery

UCLA-led researchers track groundwater loss
   during drought in California’s Central Valley

New York Times - Antarctica's ice sheet
   may be approaching an unstoppable collapse

Free Mobile Wine Program

Wine Prices by vintage

US/International Wine Events

Leasing News Wine & Spirits Page


This Day in American History

        1761 – The first life insurance policy in North America issued in Philadelphia. 
    1798 - Canada: Chippewa cede 28,000 acres in Ontario, including present-day site of Toronto, for 101 British pounds.
    1802 - Martha Washington (1731-1802), our  First Lady, although the title was not coined until after her death, passed away at Mount Vernon.  By 1799, the number of Martha Washington's "dower" slaves had grown to 153; George Washington owned 124 people, and at least a dozen Washington-owned slaves intermarried. Washington's will stipulated that his own slaves were to be set free after his wife's death so that intermarried families would not be broken up.  In January 1801, Martha freed her husband's slaves, just over a year after his death.   A remarkable woman who was also “first in our hearts of her country.”
    1803 – The first public library opened, in Connecticut.
    1804 - The Lewis and Clark Expedition officially began as the Corps of Discovery departed from St. Charles, Missouri.
    1807 - Former Vice-President Aaron Burr was on trial for "assembling an armed seize the city of New Orleans...and to separate the Western from the Atlantic states."  He was later acquitted.
    1807 - Townsend Speakman first sold fruit-flavored carbonated drinks, in Philadelphia.
    1819 - The SS Savannah left Savannah, GA on a voyage to become the first steamship to cross the Atlantic. The ship arrived at Liverpool, England, on June 20.
    1842 - Farmers Lester Howe and Henry Wetsel discovered Howe Caverns when they stumbled upon a large gaping hole in the ground.
    1843 - 1,000 men, women, and children climbed aboard their wagons and steered their horses west out of the small town of Elm Grove, Missouri. The train comprised more than 100 wagons with a herd of 5,000 oxen and cattle trailing behind. Dr. Elijah White, a Presbyterian missionary who had made the trip the year before, served as guide. The first section of the Oregon Trail ran through the relatively flat country of the Great Plains. Obstacles were few, though the river crossings could be dangerous for wagons. The danger of Indian attacks was a small but genuine risk. To be on the safe side, the pioneers drew their wagons into a circle at night to create a makeshift stockade. If they feared Indians might raid their livestock (the Plains tribes valued the horses, though generally ignored the oxen) they would drive the animals into the enclosure. Although many neophyte pioneers believed Indians were their greatest threat, they quickly learned that they were more likely to be injured or killed by a host of more mundane causes. Obstacles included accidental discharge of firearms, falling off mules or horses, drowning in river crossings, and disease. After entering the mountains, the trail also became much more difficult, with steep ascents and descents over rocky terrain. The pioneers risked injury from overturned and runaway wagons.
The 1,000-person party that made the journey in 1843, the vast majority of pioneers on the trail survived to reach their destination in the fertile, well-watered land of western Oregon. The migration of 1844 was smaller than that of the previous season, but in 1845, it jumped to nearly 3,000. Thereafter, migration on the Oregon Trail was an annual event, although the practice of traveling in giant convoys of wagons gave way to many smaller bands of one or two-dozen wagons. The trail was heavily traveled until 1884, when the Union Pacific constructed a railway along the route.
    1844 - Mary Cassatt (1844-1926) was born in Allegheny City, PA.  She was the only U.S. painter to exhibit with the French Impressionists. She is known for her paintings of women and children because, some say, such subject matter did not challenge any male egos and it was the price she had to pay to be accepted into the French Impressionists’ school. In fact, she liked to paint women and children and it enabled her to expand in an un-crowded field. The natural posing of her subjects is still unsurpassed. She resided in France most of her life and in her late 50s, began to have eye problems that forced her to stop painting at age 70. Although often described as a "old maid," her diary reveals love affairs - some with women.

    1849 – Abraham Lincoln received a patent, the only US president to do so, for a device to lift a boat over shoals and obstructions.
    1856 - Southern Congressman Preston Brooks savagely beats Northern Senator Charles Sumner in the halls of Congress as tensions rise over the expansion of slavery. Wielding the cane he used for injuries he incurred in a duel over a political debate in 1840, Brooks entered the Senate chamber and attacked Sumner at his desk, which was bolted to the floor. Sumner's legs were pinned by the desk so he could not escape the savage beating. It was not until other congressmen subdued Brooks that Sumner finally escaped. Brooks became an instant hero in the South, and supporters sent him many replacement canes. He was vilified in the North and became a symbol of the stereotypically inflexible, uncompromising representative of the slave power. The incident exemplified the growing hostility between the two camps in the prewar years. Sumner did not return to the Senate for three years while he recovered.
    1861 - The first Union solider killed in the Civil War was Bailey Thornsberry Brown, Company B, 2nd West Virginia Volunteer Infantry. He was engaged in obtaining recruits and ambushed by Confederate pickets at Fetterman, near Grafton, WV.
    1863 – The War Department established the Bureau of Colored Troops.
    1872 – President Grant signed the Amnesty Act into law restoring full civil and political rights to all but about 500 Confederate sympathizers.
    1884 – One-armed pitcher Hugh Daily, pitching for the Chicago Browns of the Union Association, fanned 13 hitters. He had lost his left hand to a gun accident earlier in his life. Later, on July 7, he struck out 20, a record that would stand until Tom Cheney of the Washington Senators tied it more than 75 years later.  A right-hander who played six seasons for seven different teams, in 1883 and 1884, he won 20 or more games each season, while finishing in the top ten among league leaders in major pitching categories. Daily established the pitching record for strikeouts in a season (later surpassed), tied a record by tossing two consecutive one-hitters, broke the record for one-hitters in a season, and threw a no-hitter.
    1892 - Birthday of Ralph Peer (1892-1960) in Kansas City, Missouri, the most notable talent scout of the 1920's. Peer, who discovered such artists as Jimmie Rodgers and the Carter Family, was appointed recording director for Okeh Records in 1920. He first began recording blues artists, but when the rival Victor Company scored a hit with Wendell Hall's hillbilly song, "It Ain't Gonna Rain No More," in 1923, he was authorized to organize field recording centers throughout the US South. Peer's first session with Fiddlin' John Carson proved to be a landmark in country music. By 1927, Peer was working for Victor records, and in August of that year assured himself a place in country music history by recording the first sessions of both Jimmie Rodgers and the Carter Family. In 1928, Peer formed the Southern Music Publishing Company, which continues today as the Peer-Southern Organization, a multi-million-dollar concern.
    1900 – The Associated Press organized in NYC as a non-profit news cooperative.
    1902 - One of the world's deepest lakes, Crater Lake was first discovered in 1853. In 1885, William Gladstone Steele saw the lake and made it his personal goal to establish the lake and surrounding areas as a national park. His goal was attained 17 years late.
    1902 - Marie Poland Fish’s (d. 1989) birthday, Paterson, NJ.  An ichthyologist, at 21, she discovered where eels laid their eggs, a puzzle that for 2,000 years was one of the great mysteries of science. Eels are a staple food source in much of the world and the discovery enabled the enlargement of the crops. In later years, she was awarded U.S. Navy's Distinguished Public Service Award for her work in oceanography and as a marine biologist. Her inventions enabled the Navy to distinguish between large schools of fish and enemy submarines with sonar.

    1902 - President Theodore Roosevelt signed a treaty with Mexico under which both countries agreed to submit a long-standing dispute over interest payments to the Court of Arbitration at The Hague
    1906 – The Wright Brothers patented an aeroplane.
    1906 - A British garrison left Esquimalt, on the Pacific coast, after a military occupation that began in 1858: these were the last British soldiers stationed in Canada.
    1910 – Johnny Olson (1910-85), the voice of “The Price is Right,” was born in Windom, MN.
    1911 - The temperature at Lewiston, Maine soared to 101 degrees. It was the hottest reading ever recorded in New England during the month of May.
    1911 – Boston Braves P Cliff Curtis lost his 23rd game in a row.  His Major League career lasted from 1909 to 1913, during which he never had a winning season.
    1914 - Birthday of Herman (Sonny) Blout (1914-1993) in Birmingham, AL, better known as “Sun Ra,” a pioneering and innovative jazz musician whose Avant Garde performances mixed elements of theater with his surreal composition and performance style.
    1915 – Lassen Peak erupted and is the only mountain, other than Mount St. Helens, to erupt in the continental US during the 20th century.
    1924 - Birthday of French singer Charles Aznavour in Paris.
    1928 – Singer Jackie Cain’s (1928-2014) birthday in Milwaukee, WI.
    1928 – T. Boone Pickens’ birthday in Holdenville, OK. 
    1930 – With the Babe smacking three long HRs in consecutive at-bats, the Yankees went on to hit a total of 14 in that game.
    1930 - Birthday of Harvey Bernard Milk (1930-78), gay rights activist and San Francisco city Supervisor, (early nickname "Glimpy Milch) in Woodmere, Long Island, New York.  He was the first openly gay person to be elected to public office in California when he won a seat on the San Francisco Board of Supervisors in 1977.  Milk served almost 11 months in office and was responsible for passing a stringent gay rights ordinance for the city. On November 27, 1978, Milk and Mayor George Moscone were assassinated by Dan White, another city supervisor who had recently resigned but wanted his job back. 
    1934 - Birthday of pianist and conductor Peter Nero, born Bernard Nierow in Brooklyn.
    1937 - British jazz traditionalist Kenny Ball (d. 2013) was born in Ilford, England. He had a string of hits during what was known as the "Traditional Jazz" (Dixieland) craze in Britain in the early 1960's. "Midnight in Moscow" was Ball's only hit in North America. A similar arrangement of the tune is used by Radio Moscow as its signature on English-language shortwave broadcasts. 
    1938 – The Brooklyn Dodgers announced plans to install lights at Ebbets Field.  At the first night game ever held at Ebbets Field, on June 15, 1938, Johnny Vander Meer of the Cincinnati Reds threw his second straight no-hitter, becoming the only man to ever throw consecutive no-hitters in the Majors.
    1942 - The Steel Workers Organizing Committee disbanded and a new trade union, the United Steelworkers, was formed.
    1942 – Ted Williams enlisted in the Marines as a flight instructor.  In addition to serving in World War II, Williams was recalled to fly during the Korean War.  He narrowly escaped death when his jet fighter, damaged after a strafing, exploded after landing just seconds after Williams was able to escape.
    1942 – The Unabomber, Ted Kaczynski, was born in Evergreen Park, IL.
    1943 – The man for whom the surgery is named, Tommy John, was born in Terre Haute, IN.  Often forgotten are the 288 games he won in the Majors, the seventh-most by a lefty in Major League history.  That is more than 32 members of the Baseball of Hall of Fame of which John is not a member.
    1945 - Army Major Robert B. Staver recommended that the U.S. evacuate German scientists and engineers to help in the development of rocket technology.
    1946 – The first rocket to reach edge of space was fired from White Sands Missile Range, NM.
    1947 - Congress approved the Truman Doctrine in order to contain Communism after World War II. It provided for US aid to Greece and Turkey. A corollary of this doctrine was the Marshall Plan, which began sending aid to war-torn European countries in 1948.
    1950 - Pop lyricist Bernie Taupin was born in Sleaford, England. Taupin has been closely linked throughout his career with rock star Elton John, and for most of the 1970's the two were a virtual hit factory, putting 23 singles in the Billboard Top 40, including five that made number one. Among the chart-toppers were "Crocodile Rock" and "Bennie and the Jets."
    1950 - Top Hits
“My Foolish Heart” - The Gordon Jenkins Orchestra (vocal: Eileen Wilson)
“Bewitched” - The Bill Snyder Orchestra
“If I Knew You Were Comin' I'd've Baked a Cake” - Eileen Barton
“Birmingham Bounce” - Red Foley
    1952 - San Francisco's first Jazz Festival on Sunday Evening will be headlined by Louis Armstrong and his troupe. Also on the program are the Dave Brubeck Quartet, Anita O'Day and the Four Freshman. 
    1953 - Charlie Parker begins the recording session that produced some of his unforgettable albums with strings and voices. This day he cut “Old Folks,” “If I Love Again,” and “In the Still of the Night.” A jazz genius and performer. The background may sound “tinny” due to the recording abilities in those days, but Parker's alto saxophone solos shine through today with brilliance and his melodies are quite apparent, something questioned in 1953. I listen to this album quite often and have never been bored hearing it again. In fact, it is really a classic, as each time I play it, I swear it is better and I hear something I did not before.

    1955 – Comedian Jack Benny signed off his last live network radio broadcast after a run of 23 years. Joining Milton Berle and his best friend George Burns, his television shows became as popular as his radio shows, as he brought along with him his announcer Don Wilson; bandleader Phil Harris; Eddie ‘Rochester' Anderson; singer Dennis Day; and his wife, Mary Livingstone.
    1955 - Police in Bridgeport, Connecticut cancel a dance at the Ritz ballroom featuring Fats Domino. Authorities say the cancellation is because they discovered that "Rock and Roll dances might be featured" and justify their action by citing "a recent near riot at the New Haven Arena" where Rock and Roll dances were held. 
    1956 – The last “Bob Hope Show” aired on NBC.
    1958 - Jerry Lee Lewis arrives at London's Heathrow Airport to begin his first British tour, along with his new bride, 14 year old third cousin, Myra. Although advised not to mention it, Lewis answers all questions about his private life, truthfully. The public's shock over Lewis' marriage marks the start of a controversy which eventually ruins his career. The London Morning Star runs an editorial calling Lewis "an undesirable alien" and calls for his deportation, leading to his British tour being cancelled after just 3 of the scheduled 37 performances. 
    1958 - Top Hits
“All I Have to Do is Dream” - The Everly Brothers
“Return to Me” - Dean Martin
“Johnny B. Goode” - Chuck Berry
“Just Married” - Marty Robbins
    1959 - Benjamin O. Davis, Jr., became the first African-American major general in US Air Force.
    1960 - Virtually all coastal towns between the 37th and 44th parallels were severely damaged by a tsunami that struck Hilo, Hawaii.
    1961 - The first revolving restaurant was dedicated, The Top of the Needle, located at the 500-foot level of the 500-foot-high steel and glass tower at the Century 21 exposition, Seattle, WA. It contained 260 seats and revolved 360 degrees in an hour. Above the restaurant was an observation deck and above that, a beacon. It was designed by John Graham and Company.  Today, there is the Space Needle, privately owned and operated.
    1962 – The Yankees’ Roger Maris walked five times, four intentionally.
    1963 - Mickey Mantle of the New York Yankees hit a home run off Bill Fisher of the Kansas City Athletics as the Yankees beat the A's, 8-7. Mantle's blast caromed off the rooftop facade at Yankee Stadium and came within a few feet of becoming the only homerun ever hit out of that park.  Teammates and fans claimed the ball was still rising when it hit the 110-foot high facade, then caromed back onto the playing field.  This was but one of three hit off the façade by Mantle in his career, the closest anyone has ever come to hitting one out of Yankee Stadium.
    1964 – President Lyndon Johnson announced the goals of his Great Society social reforms to bring an "end to poverty and racial injustice" in America.
    1965 - The Beatles attained their eighth Billboard number one hit with "Ticket to Ride," on which Paul McCartney, not George Harrison, played lead guitar. 
    1965 - Jackie DeShannon released "What the World Needs Now Is Love."
    1966 - Bruce Springsteen and his band, the Castiles, recorded two songs co-written by Springsteen. The recordings, Springsteen's first, were never released. He and the Castiles did, however, perform several dates at New York's Cafe the following year.
    1966 - Top Hits
“Monday Monday” - The Mamas & The Papas
“Rainy Day Women #12 & 35” - Bob Dylan
“When a Man Loves a Woman” - Percy Sledge
“Distant Drums” - Jim Reeves
    1967 - Premiere of “Mr. Rogers” on TV. “Won't You Be My Neighbor?” Presbyterian minister, Fred Rogers, hosted this long-running PBS children's program Puppets and human characters interacted in the neighborhood of make-believe. Rogers played the voices of many of the puppets and educated young viewers on a variety of important subjects.  The last episodes of the program were filmed in 2001. Almost 2,000 episodes were produced over the show's history.
    1967 - Florence Ballard made what would be her last appearance with the Supremes, performing "The Happening" on tonight's episode of NBC-TV's “Tonight Show.”
    1968 – Thenuclear-powered submarine USS Scorpion sunk with 99 men aboard 400 miles southwest of the Azores.
    1970 - The “Guess Who” from the Winnipeg, Canada area earned a gold record for both the album and single, "American Woman." It would be one of three million-seller awards for the group. Their other hits included, "These Eyes," "Laughing" and "No Sugar Tonight." The group, which dates back to 1963, disbanded in 1975, with several reunions since then.
    1972 - President Richard Nixon became the first American president to visit Moscow. Four days later, on May 26, Nixon and Soviet leader Leonid Brezhnev signed a treaty on antiballistic missile systems and an interim agreement on limitation of strategic missiles.
    1972 - No. 1 Billboard Pop Hit: "Oh Girl," Chi-Lites.
    1974 - President Nixon confessed his role in the Watergate cover-up.
    1974 - Top Hits
“The Streak” - Ray Stevens
“Dancing Machine” - The Jackson 5
“The Entertainer” - Marvin Hamlisch
“Country Bumpkin” - Cal Smith
    1977 - Janet Guthrie became the first woman driver to qualify for the Indianapolis 500 with an average speed of more than 188 miles per hour. She lasted only 27 laps in the race, dropping out when her car broke a valve seal.
    1979 - Cheap Trick's "Live at Budokan" LP was certified gold in the US. It eventually sold more than one-million copies, delaying the release of the follow-up album, "Dream Police." 
    1980 – The highly popular video game “Pac-Man” was released by Namco.
    1982 - Top Hits
“Ebony and Ivory” - Paul McCartney with Stevie Wonder
“Don't Talk to Strangers” - Rick Springfield
“I've Never Been to Me” - Charlene
“Just to Satisfy You” - Waylon & Willie
    1985 – Pete Rose scored his 2,108th run and passed Hank Aaron as the NL run scoring leader
    1985 - “Fortune” Magazine named Sears, Roebuck as the nation's largest retailer for the 21st year in a row.
    1985 - No. 1 Billboard Pop Hit: "Everything She Wants," Wham!
    1985 - "A View to a Kill", the 14th James Bond film and the last to star Roger Moore, also starring Grace Jones and Christopher Walken (…more cow bells, I need more cow bells!!!), premiered in San Francisco.
    1987 - A powerful F4 tornado obliterated the small southwest Texas community of Saragosa, destroying 85 percent of the structures in the town. The tornado claimed 30 lives and injured 121 others in the town of only 183. The twister hurled trucks and automobiles through adobe and wood-frame homes with some blown over 500 feet. Many of the victims were parents or grandparents of children who died sheltering them from flying debris during a ceremony for head start for four-year-olds.
    1989 - Nearly 30 years after the "payola" law destroys the career of DJ Alan Freed, it's finally used to convict someone in the record industry: promo man Ralph Tashjian is found guilty of distributing cocaine and money to radio stations to get more airplay for, among others, Bruce Springsteen.
    1990 - The Cincinnati Reds intentionally walked outfielder Andre Dawson of the Chicago Cubs a record five times in a 16-inning game. Dawson's five free passes broke the record held by Roger Maris and Garry Templeton.
    1990 - Microsoft unveiled Windows 3.0 at gala events in twenty cities around the world, linked by satellite to a theater in New York City. The show featured a speech by Bill Gates, as well as laser lights, videos, and surround sound. Microsoft spent $10 million publicizing the new release in what was generally regarded as the most expensive software introduction to date. While PIK, IBM, Apple and others tried to promote their operating system, even with 12 floppy disks, Microsoft sold three million copies of Windows 3.0 as it was quite “user friendly.”
    1990 - Top Hits
“Vogue” - Madonna
“All I Wanna Do is Make Love to You” - Heart
“Hold On” - Wilson Phillips
“Walkin' Away” - Clint Black
    1991 – NFL owners agreed to add two teams – the Carolina Panthers and the Jacksonville Jaguars began play in 1995.
    1992 - After almost 30 years as host of the "Tonight" show, Johnny Carson hosted his last show. The show began as a local New York program on Dumont that was purchased by NBC, and Steve Allen was the first host of the network show. Carson became host on October 1, 1962, taking over from Jack Paar, with side kick Ed McMahon and Doc Severinsen, longtime band leader. In a split with the network, David Letterman went to CBS as Jay Leno was chosen to take over the spot.
    1992 - Replacing Tom Runnells, Felipe Alou is named as the manager of the Montreal Expos. The eventual second-place Montreal club is 17-20 at the time the Colorado native firing.
    1993 - The first movie was broadcast on the Internet by its director David Blair. It was his cult science-fiction film “Wax: Or the Discovery of Television Among the Bees.” Blair uploaded the film in digital video format for viewing world-wide.
    1996 - Garth Brooks celebrated his 60-millionth album sold with a 1960s theme party in Nashville. The Recording Industry Association of America said Brooks was the best-selling country artist of all-time and the second-highest selling artist ever in the US. Only the Beatles had sold more. Third place belongs to Billy Joel, who has not released a new song in a decade.
    1997 - The hit-making Fleetwood Mac lineup of Mick Fleetwood, John McVie, Christine McVie, Lindsey Buckingham and Stevie Nicks reunited for their first full-fledged public performance in 15 years. The show, on a soundstage at Warner Brothers studio in Burbank, California, was one of two taped for an MTV special and a live album. Nicks stopped the concert - twice - because she forgot the words to "Dreams," Fleetwood Mac's only number-one single.
    1998 - A federal judge ruled that United States Secret Service agents can be compelled to testify before a grand jury concerning the Lewinsky scandal involving President Bill Clinton.
    2000 - At the ASCAP Pop Music Awards, Steely Dan receives the lifetime songwriting achievement Founders Award.
    2001 - For the second time this season, Barry Bonds homers in six consecutive games. His nine homers during this span established a National League mark. Senators' slugger Frank Howard's 1968 feat of hitting 10 homers in six games is the Major League record.
    2002 – In Washington, DC, the remains of the missing Chandra Levy were found in Rock Creek Park but were too decomposed to shed any light on her death.
    2002 - A jury in Birmingham, Alabama, convicted former Ku Klux Klan member Bobby Frank Cherry of the 1963 murders of four girls in the bombing of the 16th Street Baptist Church.
    2003 – Annika Sorenstam became the first woman to play the PGA Tour in 58 years.   
    2003 - Arturo Moreno purchases the World Champion LA Angels from Walt Disney for $184 million to become the third owner in the 43-year history of the franchise. The 56-year-old outdoor advertising tycoon, who is a fourth-generation Mexican-American, is the first Hispanic to have a controlling interest in a Major League club.
    2004 - Hallam, Nebraska was wiped out by a powerful F4 tornado that broke a width record at an astounding 2.5 miles wide. It also killed one local resident.
    2011 - An F5 Tornado struck Joplin, Missouri, killing at least 158 people, the single deadliest US tornado since modern record keeping began in 1950.
    2012 - Yahoo! sold its stake in Alibaba Group for $7.1 billion.
    2013 - Ibragim Todashev, a suspect under FBI questioning in Orlando, Florida, for his connections to the April, 2013 Boston Marathon bombing, was shot dead after attacking an agent during the course of questioning.  He had allegedly attacked the agent, with a pipe or stick, while writing a statement about the Boston Marathon bombings and a triple homicide in Waltham, MA, on September 11, 2011. The investigators involved in the incident said that Todashev had implicated both himself and Tamerlan Tsarnaev in the Waltham murders before he was killed.



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