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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, December 17, 2014


Today's Equipment Leasing Headlines

Archives --December 17, 2007
   Curt Lysne now at PFSC
     Classified Ads---Sales
    Salvation Army Kettle
  $5,885 Raised to Date—Thank You, Donors
Fortress Buys MicroFinancial for $147 Million
      Competition Raised in Small Ticket Marketplace
  Canadian Element Financial Joins the US Fray
Expects to Originate 75% of 2015 New Business from US
     Section 179 Stalls in the Senate
Sales Make it Happen By Steve Chriest
  The Sales Talent Crisis is Here
   Leasing Industry Ads---Help Wanted
        Placard---Three Rules
Uber Has A Huge Opportunity
  To Disrupt the Food Delivery Industry
Winning With Leasing & Beyond Winning With Leasing
   January 27 - 30, 2015 - Singapore
WalletHub 11 Economic Predictions for 2015
  Wireless Network Protection
    www.netlingo.com
2015 Economic Outlook Forecasts 6% Growth
  In Equipment and Software Investment
FDIC Board Approves 2015 Operating Budget
 Predicts Banks Will Increase Rates
   First Half of 2015
FTC Takes Action Against Two Auto Dealership
   Chains For Violating
2012 Orders
      Prohibiting Deceptive Advertising of Vehicle Costs
Yorkshire Terrier Mix
  Irvine, California  Adopt-a-Dog
    Season's greetings from
Equipment Leasing and Finance Association
News Briefs---
The Next Lending Club? Try Startups using Blockchain today
 New Leasing Counsel Fee Models for the New Economy
  Community Banker of the Year: C1 Financial's Trevor Burgess
   Bank of America fails 2 mortgage settlement tests
    Right, Wrong or Insane: My Auto Industry Predictions for 2015
     Apple Prevails in Antitrust Suit Over iPod Music
      AAA: 98.6 Million Americans Traveling this Holiday Season
       Four Percent More Than Last Year

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

You May have Missed---
   SparkPeople--Live Healthier and Longer
  Poem
    Sports Briefs---
      California Nuts Brief---
       "Gimme that Wine"    
          This Day in American History
         SuDoku
           Daily Puzzle
             GasBuddy
               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.




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[headlines]

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Archives---December 17, 2007
Curt Lysne now at PFSC

Curt Lysne, CLP has been hired to lead the sales and marketing efforts of PFSC as Vice President, National Sales and Marketing. Curt has an extensive background in the leasing industry spanning over 25 years and has held leadership positions in Sales, Credit and Funding for large and midsize leasing company’s during his tenure. He spent 14 years at GE Capital-Colonial Pacific Leasing in various roles including Credit Manager, Sales Manager, Portfolio Acquisition Manager, Chief Risk Officer and Vice President, Sales. Most recently, Curt founded and built a third party origination channel for a large lessor in California.

The success of that unit’s growth was the catalyst for his promotion to Chief Sales Officer for the Direct and Commercial origination channels as well as leadership of the Marketing and Sales Training departments.

“It is my belief Curt can assist PFSC through new account penetration and effective sales strategies to grow the PFSC organization, “said John Enyart, President of PFSC.


John Enyart

TODAY


Curt Lysne
Vice President, National Sales Portfolio Financial Servicing Co
Chairman, Service Providers Business Council
Equipment Leasing and Finance Association
(January, 2013 – Present)
www.linkedin.com/pub/curt-lysne/3/747/142

John Enyart
President at Portfolio Financial Servicing Company
www.linkedin.com/pub/john-enyart/a/754/69

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


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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

 

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Salvation Army Kettle
$5,885 Raised to Date—Thank You, Donors

Carol Baker Brent Baron Bruce Cady
Brian Carey Edward Castagna John Caulfield
Richard Cohen Dale Davis Rob Day
Shawn Halladay Larry Hartmann Randy Haug
Jim Lahti Sam Khedkar Theresa Kabot, CLP
Bruce Kropschot Vern Laney Allan Levine
Bruce Lurie  Barry Marks Paul Menzel, CLP
Dean Morrison Gerald Oestreich PFSC
Klaus Pache Susan Robert Dean Rubin
Jeffrey Rudin David Silverman Bob Teichman, CLP
Gary Trebels Terry Waggoner Paul Weiss 
Rosanne Wilson Rick Wilbur Edward Winston
Robert VanHellemont Annoymous

 

(Please click on kettle to learn more)

Let’s Break the Record


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Fortress Buys MicroFinancial for $147 Million
Competition Raised in Small Ticket Marketplace
By Christopher Menkin

MicroFinancial, Burlington, Massachusetts has seen its stock jump after the announcement that Fortress Investment Group was buying the company for $147 million at approximately $10.20 a share. The company’s board has approved the agreement to sell. MicroFinancial and its affiliate TimePayment were originally in the microticket leasing marketplace, usually $500 to $15,000 (October, 2014 average was $4,900). The 28 year old company recently announced it was raising it maximum to $100,000, perhaps with the anticipation of the arrival of Fortress Investment Group.

"Fortress Investment Group LLC (NYSE: FIG) is a leading, highly diversified global investment management firm. Fortress applies its deep experience and specialized expertise across a range of investment strategies - private equity, credit, liquid markets and traditional asset management - on behalf of over 1,500 institutional investors and private clients worldwide.
   http://www.fortress.com

The company was founded in 1998 and in October, 2014 launched a $66 billion Launched Liquid Markets Affiliated Manager Platform. Headquartered in New York, it has 14 offices worldwide, including five in the United States.
Certainly this gives MicroFinancial a lower cost of funds and ability to compete in the under $100,000 marketplace, rather than the previous under $15,000 marketplace, where fast approvals through new technology has made TimePayment a leader in the microticket marketplace.  the demand has driven the need of an office on the West Coast, Westlake Village, above Los Angeles. The company has 166 employees.

The move certainly brings of more competition with Ascentium, Direct Capital, Financial Pacific, Marlin Leasing, to name a few in this marketplace, with plenty of money and low cost of funds (not mentioning the many banks throughout the United States who have been entering the small ticket business leasing and loan marketplace.)


Richard Latour
CEO/President
Microfinancial

Richard Latour said in October, 2014 regarding the third quarter profit of $2.9 million, "We realized a 21% increase in the number of lease applications processed for a total of 70,069 applications and a 20% increase in application dollars for a total of over $404 million.

"The number of contracts funded during the first nine months of 2014 increased to 16,624 representing $80.5 million which represents increases of approximately 17% and 19% over 2013 performance, respectively. Through September, we also increased the number of new vendor approvals for 2014 to a total of 1,108 which represents an increase of 40% over the 790 vendors approved over the same period in 2013."


Will Mr. Latour soon be retiring as it appears Chris Broom, co-founder
of Direct Capital, New Hampshire, has purchased a jet and a new house in Florida after the sale of his company to CIT. Will salesmen leave as they have at Direct Capital to join Ascentium Capital and Beacon Funding, both with new offices in Dover, New Hampshire.

Also, will there be changes in management at MicroFinancial as is
happening at Direct Capital. Readers tell Leasing News: CIT operates quite differently than Direct Capital? Stay tuned, Bat fans.

 

 

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Canadian Element Financial Joins the US Fray
Expects to Originate 75% of 2015 New Business from US

Element Financial Corporation (TSX:EFN), Toronto, Canada, announced in a news release it "...expects to organically originate approximately $6.5 billion of new equipment loans and leases during 2015 across the Company’s four North American market verticals representing an increase of 35% over the $4.8 billion Element estimates it will originate in 2014. Approximately 75 percent of this new business volume is expected to originate in the United States."

"In the Fleet Management vertical, Element expects to originate approximately $2.6 billion in new loans and leases in 2015 versus the $1.3 billion estimated for 2014. Element’s Rail Finance vertical is expected to originate $1.3 billion of new railcar leasing business in 2015 versus the $1 billion of railcar leasing business estimated in 2014.

"In the Aviation Finance vertical, the Company expects to originate $1 billion in new business volume versus the $1 billion estimated for 2014. In the, Company’s Commercial and Vendor Finance vertical, Element expects to grow its new business volume to $1.6 billion in 2015 versus the $1.5 billion estimated for 2014. Other fee-based revenue in the range of $20 million is expected to be originated from the Company’s new Structured Finance team in 2015 in the rail and aviation sectors."

The company also announced, "Although not required to fund the expected origination growth, Element also announced that it has added more liquidity by amending the terms of its $1.6 billion senior credit facility to include a $900 million accordion feature and expects $400 million of new lender commitments to close by the end of 2014. By the end of 2015, the Company expects to have assets in excess of $14 billion."

The news release states Element Financial has total assets in excess of $10.5 billion.



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Section 179 Stalls in the Senate


While a $1.1 trillion spending bill was passed by Congress, expected to be signed into law by President Obama, the Section 179 tax deduction was a separate bill. Labeled "the Tax Extenders bill," H.R. 5771, it requires separate enactment.  If the bill is passed, it will include the language of Section 179 tax deduction at $500,000 --its level since 2010.  If it is not passed, the Section deduction is $25,000 for 2014.  The bill only applies to the year 2014, and not 2015, and requires the property be delivered, placed into service, and accepted, in 2014.  No exceptions.

There are other tax provisions of the bill (123 pages)
http://www.leasingnews.org/PDF/HR5771_122014.pdf


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Sales Make it Happen
By Steve Chriest

The Sales Talent Crisis is Here


At least a few companies are beginning to realize that the pool of experienced sales professionals is evaporating. As 70 million Baby Boomers retire, other groups slow down, and the Millennial generation has their own favorite lifestyle, the sales marketplace is facing an unprecedented shortage of talent.

Time has come with an improved economy, much more competition, for stepping up efforts to recruit, train and retain sales professionals to replace not only retiring Baby Boomers, but younger team members who opt to ply their sales talents in other industries. For many companies, both large and small, mistakes in recruiting talent, and failure to retain talent, may impact their survival as competition for sales professionals heats up.

This fact has hit human resource departments and professional recruiters very hard in looking for good sales talent.

The dwindling supply of talent should be accompanied by increased costs of recruiting and retaining salespeople. The impact of these increased costs will be exacerbated by the consequences of bad hires. Smart management teams are already making plans to stop hiring and investing in poor performers. Identifying, hiring and retaining productive salespeople are fast becoming a top priority for leading edge companies in all industries.

Too many companies make the mistake of chasing superstars when they recruit sales talent. Requiring a book of vendors or previous clients who follow them may not be a criteria. The problem with this approach, frankly, is that there aren't enough superstars to go around, and there will be fewer to choose from in the future. One of the keys to success is to concentrate on not hiring, promoting or training sub-par performers who don't have real potential for growth and improvement.

Sales team turnover, for many reasons, is unavoidable. Some turnover, at least in small amounts, is healthy for most companies. Fresh talent keeps the organization vital, as newcomers often bring new ideas and experiences that can benefit the business. But too much turnover is costly. For example, the turnover costs for telesales positions ranges from $75,000 to $90,000, while the total turnover costs for top sales producers can easily exceed $300,000!

It certainly is a candidate’s marketplace for the younger generation seeking to choose what they want for their career, meaning not just salary or benefits, but lifestyle.

So in recruiting, the branding of your company has become very important.  Your company personality is as important as what financial remuneration will be offered.

About the author: Steve Chriest is the founder of Selling UpTM (www.selling-up.com), a sales consulting firm specializing in sales improvement for organizations of all types and sizes in a variety of industries. He is also the author of Selling The E-Suite, The Proven System for Reaching and Selling Senior Executives and Five Minute Financial Analyst, Basic CREDIT & Analysis Tools for Non-Accountants. He was the CEO of a very successful leasing company and executive at a major company. You can reach Steve atschriest@selling-up.com.

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


  

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Leasing Industry Help Wanted
 



 

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Uber Has A Huge Opportunity
To Disrupt The Food Delivery Industry
www.businessinsider.com

Uber has been experimenting with a food delivery service called UberFRESH this week. It's promising to deliver dinner from a few Los Angeles restaurants in under 10 minutes, and it launched a one-day promotion in various US cities to deliver lunch from local restaurants in the same amount of time.

Looking at the market for food takeout and delivery, it looks like there is still plenty of room for Uber. Based on estimates charted for us by BI Intelligence, Americans spend $70 billion a year on food takeout and delivery, with $9 billion of that total ordered online. And of those online orders, the combined portfolio of Grubhub and Seamless comprise less than 20% of the market (Grubhub and Seamless merged in August 2013).

With the remaining 81% of the market split between various small services, there's no reason a giant international service with a ton of users, credit cards on file, and financial backing ($2.7 billion raised so far) could make a giant imprint in the food delivery market.

 

 

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WalletHub 11 Economic Predictions for 2015

  1. GDP Growth Will Be Roughly 3%
  2. Unemployment Will Reach 5%
  3. Wages Will Increase 3%
  4. The S&P 500 Will Hit 2,250
  5. Auto Sales Will Top 17 Million
  6. Home Sales Will Post Modest Increase
  7. Oil Will Fall to $50 a Barrel
  8. Interest Rates Will Remain Near Record Lows, Despite Shift in Fed Policy
  9. U.S. Consumers Will Rack Up At Least $60 Billion in Credit Card Debt
  10. Entrepreneurship Rates Will Rise Slowly
  11. Mobile Banking Will Thrive

For the full report, including a complete Q&A with those experts, please visit:
http://wallethub.com/blog/2015-economic-predictions/9020/

 


• Contract Negotiations • Fraud Investigations 
• Credit Investigations • Skip-tracing 
• Third-party Commercial Collections

Receivables Management LLC

John Kenny 
For flat fee or commissions basis 

john@jkrmdirect.com | ph 315-866-1167|www.jkrmdirect.com

(Leasing News provides this ad as a trade for investigations
and background information provided by John Kenny)

 

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Wireless Network Protection
www.netlingo.com

 
A network that transmits information over public airwaves (the same used by television, radio, and cell phones). The signal transmissions actually occur through air rather than through copper or fiber-optic cables. It's hard to conceive at times, but much of our information is traveling via satellites. These networks are supposed to be protected by a built-in security feature (WEP), but it is a known fact that wireless networks can be easily accessed and monitored by outsiders. (They are crackable.)

Tips On How-To Secure Your Wireless Network:
Enable WPA (Wireless Protected Access) Encryption
 In order to use WPA encryption, your network adapter and router must support it. Most newer ones do, and some have made WPA updates available for older equipment. If you have older devices that you can't update, it is time to replace them.
Give your Wireless Network a Unique SSID (Security Set Identifier)
 Use a combination of letters and numbers (alphanumeric), such as y0ut00b.
Change your Router's Default SSID and Password
 Your router also has an SSID and hackers use sniffer programs based on the usual defaults to find wireless networks because they know many users don't change them.
Disable SSID broadcasting
 This feature is enabled by default, which allows it to accept any SSID it encounters from any computer. By turning OFF this feature, the connecting computer's SSID must be the same as the SSID of the router.
Turn Off Simple File Sharing
 This keeps you safe from spoofing, a practice where hackers use fake access points to trick you into exposing your system to them. After you turn this off, you can still access files and folders on your other computers by configuring individual permissions.
Turn Off Automatic Connections
 This keeps your computer from automatically connecting to any wireless network it detects, including a malicious or spoofed access point.
Relocate Your Router
 If your router is located near a window or door, it sends a stronger signal outside, making it easier for bad guys to find your Wi-Fi network.
Restrict Unnecessary Traffic with a Firewall
 If you frequently use public hotspots, make sure a program such as Windows Firewall is enabled and the exceptions feature is temporarily disabled for communication programs like Windows Messenger. This prevents virus attacks from computers used by less savvy people at the hotspot.

 


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

2015 Economic Outlook Forecasts 6% Growth
In Equipment and Software Investment


Washington, DC,  – Investment in equipment and software is expected to grow 6% in 2015, driven by a steadily improving economy, according to the Annual 2015 Equipment Leasing & Finance U.S. Economic Outlook released  by the Equipment Leasing & Finance Foundation (Foundation). Overall in 2015, the outlook for 12 individual equipment and software verticals tracked in the report is mixed, with some sectors outperforming others. The Foundation’s report, which is focused on the $903 billion equipment leasing and finance industry, forecasts 2015 equipment investment and capital spending in the United States and evaluates the effects of various industry and external factors likely to affect growth over the next 12 months. The report will be updated quarterly throughout 2015.


William G. Sutton, CAE, President of the Foundation and President and CEO of the Equipment Leasing and Finance Association, said, “The Association’s Monthly Leasing and Finance Index reports new business volume is up, the Foundation’s Monthly Confidence Index shows industry confidence is solidly positive, and this Outlook for 2015 projects continued steady growth in equipment and software investment. Equipment investment has been relatively modest in recent years, but picked up in 2014 and now seems poised to maintain this momentum into 2015. Overall, these trends portend a positive result for the equipment finance industry and U.S. economy.”

Highlights from the study include:

• The U.S. economy is poised to have a breakout year in 2015, with growth expected to top 3%. Key “bright spots” that bode well for above-average growth include a rapidly improving labor market, increased access to credit, lower oil prices and fiscal healing. Meanwhile “wild cards” that could hinder growth include potential political gridlock, weakness in the global economy and geopolitical risks. 
• The steadily improving economy will likely drive solid equipment and software investment growth in 2015. Continued improvement in the economy should gradually loosen credit constraints and increase credit demand as businesses and households gain more confidence in the economy.
• Equipment and software investment increased 9.3% in Q3 of 2014 after expanding 9.6% in Q2. Although these growth rates are unlikely to be sustained in the coming months, growth is still expected to be 5.9% in 2014 and remain relatively strong at 6.0% in 2015. 

The Foundation-Keybridge U.S. Equipment & Software Investment Momentum Monitor, which is included in the report and tracks 12 equipment and software investment verticals, forecasts the following equipment investment activity:

o     Agriculture machinery investment could see continued moderate declines over the next three to six months.
o     Construction machinery investment should moderate over the next two quarters.
o     Materials handling equipment investment growth may experience some moderation over the next three to six months.
o     All other industrial equipment investment will likely remain strong over the next three to six months.
o     Medical equipment investment growth is expected to be little changed over the next two quarters.
o     Mining and oilfield machinery will likely slow or potentially experience negative growth in investment over the next three to six months, given recent declines in oil prices.
o     Aircraft investment growth is expected to remain relatively stable over the next three to six months.
o     Ships and boats investment will likely see little change in the next two quarters.
o     Railroad equipment investment should moderate over the next three to six months.
o     Trucks investment is expected to be little changed over the next three to six months.
o     Computers investment will likely experience relatively stable investment over the next three to six months.
o     Software investment will likely see a slight moderation in growth over the next three to six months.

The Foundation produces the Equipment Leasing & Finance U.S. Economic Outlook report in partnership with economics and public policy consulting firm Keybridge Research. The annual economic forecast provides a three-to-six month outlook for industry investment with data, including a summary of investment trends in key equipment markets, credit market conditions, the U.S. macroeconomic outlook and key economic indicators. The report will be updated quarterly throughout 2015.

Download the full report at www.leasefoundation.org/research/eo/.

The Equipment Leasing & Finance Foundation is a 501c3 non-profit organization that provides vision for the equipment leasing and finance industry through future-focused information and research. Funded through charitable individual and corporate donations, the Foundation is the only organization dedicated to future-oriented, in-depth, independent research for the leasing industry. Visit the Foundation online at http://www.LeaseFoundation.org.

 

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

FDIC Board Approves 2015 Operating Budget

The Board of Directors of the Federal Deposit Insurance Corporation (FDIC) today approved a $2.32 billion Corporate Operating Budget for 2015, 3.0 percent lower than the 2014 budget. In conjunction with its approval of the 2015 budget, the Board also approved an authorized 2015 staffing level of 6,875 positions, down from 7,200 currently authorized, a net reduction of 325 positions.

"This is the fifth consecutive reduction in the FDIC's annual operating budget," FDIC Chairman Martin Gruenberg said. "As the U.S. banking industry continues to recover, we remain focused on fulfilling our mission responsibilities while prudently managing costs."

Bookmark Leasing News

 

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

Predicts Banks Will Increase Rates
First Half of 2015

The race for rising interest rates is about to begin in the first half of 2015 as a result of lower financial anxiety, congressional action and anticipated tightening of Fed policy.

SAN RAFAEL, Calif.  - Lower financial anxiety among consumers combined with the recent congressional ease on some of the Dodd-Frank financial reform law, and the anticipate increase in the Fed funds rate are setting up the stage for a "rate race" starting in the first half of 2015. Rate race is a behavioral finance phenomenon where interest rates start rising as a result of higher demand for loans brought by improving economic conditions,. In order to fund the increase in demand for loans, banks have to compete for consumers' money by raising interest rates on deposits

On Saturday the 13th of December, congress passed a $1.1 trillion spending plan that includes a roll back to the 2010 Dodd-Frank financial reform law on certain types of derivatives trading by banks. This ease will make lending more attractive and profitable for banks since they can now add new revenue streams based on the loans and mortgages they issue. In order to fund the anticipated increase in lending demand, banks will need to increase rates on consumer deposits even before the Fed increases the funds rate.

The Fed is expected to increase the funds rate during their June 2015 meeting. However, based on historical data of the 1994 and 2003 cycles of rising Fed funds rate, banks started increasing their deposit rates about 6 months prior to the anticipated increase by the Fed as a preventive measure to protect their consumer deposits from going to other banks with higher interest rates. The same scenario is expected to occur in the early part of 2015.

Rate race is one of the six financial behaviors consumers engage in based on their level of money anxiety. In Behavioralogy, the science of consumer financial behavior, consumers modify their savings and spending behaviors based on high, moderate and low levels of money anxiety. The six behavioralogy orientations are "mattress money, "power play", "rate race", "durable diet, "tiny treats" and "castle craze". The behavioralogy financial orientation matrix was developed by Dr. Dan Geller, author of the book Money Anxiety.

 

 

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

FTC Takes Action Against Two Auto Dealership Chains
For Violating 2012 Orders Prohibiting Deceptive Advertising
of Vehicle Costs

The Federal Trade Commission is taking action against two auto dealer groups, operating in five states with more than two dozen retail stores, for civil penalties for violations of FTC administrative orders, which prohibit them from deceptively advertising the cost of buying or leasing a car.

“If auto dealers make advertising claims in headlines, they can’t take them away in fine print,” said Jessica Rich, Director of the FTC’s Bureau of Consumer Protection. “These actions show there is a financial cost for violating FTC orders.”

Billion Auto, a chain of 20 family-owned automobile dealerships in Iowa, Montana, and South Dakota, and a family-controlled advertising company, Nichols Media, Inc., have agreed to settle charges that they violated a 2012 FTC administrative order. That order prohibits Billion Auto, and any companies in active participation with it, from misrepresenting material costs and terms of vehicle finance and lease offers and requires specific disclosures, mandated by the Truth in Lending Act (TILA) and Regulation Z, and the Consumer Leasing Act (CLA) and Regulation M. The Billion Auto defendants have agreed to pay $360,000 in civil penalties to settle the FTC’s charges.

According to the complaint against Billion and Nichols, the dealerships and advertising company violated the 2012 FTC administrative order by frequently focusing on only a few attractive terms in their ads while hiding others in fine print, through distracting visuals, or with rapid-fire audio delivery. For example, some dealership ads promoted low monthly payments or attractive annual percentage rates and finance periods, while concealing other material items, such as low payments were for leases, not sales; major limits existed on who could qualify for discounts; and offers often included significant added costs.

In a separate action seeking civil penalties, the FTC has charged Ramey Motors, Inc., and three affiliated dealerships, in several locations in Virginia and West Virginia, with violating a similar 2012 FTC administrative order. Among other things, Ramey Motors’ ads allegedly misrepresented the costs of financing or leasing a vehicle by concealing important terms of the offer, such as a requirement to make a substantial down payment. The complaint also charges Ramey Motors with failing to make credit disclosures clearly and conspicuously, as required by the TILA. The FTC also alleges that the auto dealer group failed to retain and produce appropriate records to the Commission to substantiate its offers. Ramey Motors and its affiliates are subject to $16,000 in civil penalties for each alleged violation of the FTC administrative order.

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

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Yorkshire Terrier Mix
Irvine, California  Adopt-a-Dog


(With a trimming, this would be a beautiful dog)
Kerrigan
ID#A094995

"I am a spayed female, tan Yorkshire Terrier mix.

"I am about 3 years, 0 months old.

"I have been at the shelter since Dec 05, 2014."

For more information about this animal, call:
Irvine Animal Care Center at (949) 724-7740
Ask for information about animal ID number A094995
Phone: 949-724-7740

Email: info@irvineshelter.org
Animal Services Phone: 949-724-7092

Mailing Address:
PO Box 19575
Irvine, CA 92623

Physical Address:
6443 Oak Canyon
Irvine, CA 92618

Center Hours:
Irvine Animal Care Center
Weekdays: noon-7 p.m.
Weekends: 10 a.m.-5 p.m.
Closed Tuesdays and Holidays

*Please arrive at least two hours before closing in order to visit with adoptable animals. Adoptions stop one hour prior to closing.

Animal Care Program
http://www.cityofirvine.org/cityhall/cs/animalcare/about_us/programs.asp

 

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

 

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ELFA 2014 Holiday Card


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News Briefs----

The Next Lending Club? Try Startups using Blockchain today
http://bankinnovation.net/2014/12/fintech-startups-that-will-be-as-big-as-lending-club-in-7-years-time-are-probably-using-blockchain-today/

New Leasing Counsel Fee Models for the New Economy
http://www.corpcounsel.com/top-stories/id=1202679194456/New-Leasing-Counsel-Fee-Models-for-the-New-Economy?mcode=1202614998472&curindex=1

Community Banker of the Year: C1 Financial's Trevor Burgess
http://www.americanbanker.com/news/community-banking/community-banker-of-the-year-c1-financials-trevor-burgess-1071653-1.html

Bank of America fails 2 mortgage settlement tests
http://www.charlotteobserver.com/2014/12/16/5387119/bank-of-america-fails-2-of-31.html

Right, Wrong or Insane: My Auto Industry Predictions for 2015
http://www.drivingsales.com/blogs/karbaum/2014/12/08/right-wrong-or-insane-my-auto-industry-predictions-2015

Apple Prevails in Antitrust Suit Over iPod Music
http://www.nytimes.com/2014/12/17/technology/apple-antitrust-suit-ipod-music.html?action=click&pgtype=Homepage&module=second-column-region&region=top-news&WT.nav=top-news&hp  

AAA: 98.6 Million Americans Traveling this Holiday Season, Four Percent More Than Last Year
http://www.prnewswire.com/news-releases/aaa-986-million-americans-traveling-this-holiday-season-four-percent-more-than-last-year-300010015.html

 



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--You May Have Missed It

Most Popular Puppy Names
http://www.vetstreet.com/most-popular-puppy-names-of-2014?wt.mc_id=Email;VetNewsletter;December-9;Article1



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SparkPeople--Live Healthier and Longer



Are low-calorie sweeteners safe?
http://www.letsclearitup.org/q_and_a/q-are-low-calorie-sweeteners-safe/


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Football Poem

Nick Ferguson: The Poet Has Found a Home
By Doug Collins
DenverBroncos.com

The poet has found himself
And now finally knows peace
For where once the soul of a traveler lived
There exists a spirit at ease
One mile above the ocean
In the land where the Broncos roam
The poet can finally rest
For, at last, he has found a home.

http://www.denverbroncos.com/page.php?id=334&storyID=3367


[headlines]

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Sports Briefs----

Johnny Manziel's debut was one of the worst in recent memory,
  but it's too early to decide his NFL fate
http://www.crainscleveland.com/article/20141215/BLOGS06/141219908/johnny-manziels-debut-was-one-of-the-worst-in-recent-memory-but-its 

Colin Kaepernick's 'Record' $126 Million Contract
   Was a Complete Sham
http://finance.yahoo.com/news/colin-kaepernicks-record-126-million-162136580.html

49ers put ego clashes before winning
http://www.mercurynews.com/marcus-thompson/ci_27142492/thompson-49ers-put-ego-clashes-before-winning

49ers’ window — an open and shut case
http://www.sfgate.com/49ers/article/49ers-window-an-open-and-shut-case-5958985.php

Chris Mullin resists in-season move
http://espn.go.com/nba/story/_/id/12037707/chris-mullin-not-interested-sacramento-kings-coaching-vacancy-per-sources

Chargers commit to San Diego for at least 2015
http://espn.go.com/nfl/story/_/id/12040153/san-diego-chargers-commit-play-2015-qualcomm-stadium


[headlines]
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California Nuts Briefs---

Jerry Brown calls criticism of Supreme Court pick
 ‘logically deficient’
http://www.sacbee.com/news/politics-government/capitol-alert/article4530851.html


[headlines]
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“Gimme that Wine”

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

Pineapple Express Brings Welcome Rain To Grapegrowers
http://www.wine-searcher.com/m/2014/12/pineapple-express-brings-welcome-rain-to-grapegrowers

Gallo: Young Wine Drinkers Engage Via Social Media, Love Moscato and Bubbly
http://www.winemag.com/video/Web-2014/Young-Wine-Drinkers-Engage-Via-Social-Media-Love-Moscato-and-Bubbly/

The Museum-ification of Wine
Have ultrahigh prices distorted our understanding and enjoyment of wine?
http://www.winespectator.com/webfeature/show/id/51012

Alcohol Removal Up on Wine in US
http://www.thedrinksbusiness.com/2014/12/14-of-calif-chard-undergoes-alc-removal/

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


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

This Day in American History

     1728 - Congregation Shearith Israel of New York purchases a lot on Mill Street in lower Manhattan to build New York's first synagogue. Construction is completed in 1730.
http://www.shearith-israel.org/folder/main_frames.html
    1734 - Birthday of William Floyd at Brookhaven, Long Island.  Signer of the Declaration of Independence, member of Congress.  Died at Westerville, NY, Aug 4, 1821
    1760 - Birthday of Deborah Sampson at Plymouth, MA. She spent her childhood as an indentured servant. In 1782, wishing to participate in the Revolutionary War, she disguised herself as a man and enlisted in the Continental Army's 4th Massachusetts Regiment under the name Robert Shurtleff. She received both musket and sword wounds, but it was an attack of fever that unmasked her identity and led to her dismissal from the army in 1783. In 1802, Sampson became perhaps the first woman to lecture professionally in the US when she began giving public speeches on her experiences. Full military pension was provided for her heirs by an act of Congress in 1838. Deborah Sampson died Apr 29, 1827, at Sharon, MA.
    1777 - France recognized American independence.
    1777 - General George Washington, after losing several battles to superior forces, professional soldiers, well-equipped and fortified, re-groups his farmers and volunteer fighting force by retiring with them to Valley Forge, Pa., for the brutal cold winter. The war was not going well and officers worked their hardest to not only train the troops, but to halt them from deserting.
http://www.dcnr.state.pa.us/stateparks/parks/ft-was.htm#history
http://www.casayego.com/amrev/vforge/evforge.htm
http://www.jimfrizzell.com/valley_forge_washington_headquarters.htm
http://www.valleyforge.org/vfpark.asp
http://www.soupsong.com/rtripe.html
    1788 - Poet Robert Burns wrote his version of an old Scottish song to Mrs. Dunlap, the words for “Auld Lang Syne” (times gone by).  He sent a copy of his song to his publisher Mr. Johnson, who later published it.
http://www.robertburns.org/encyclopedia/AuldLangSyne.5.html
    1790 - One of the wonders of the western hemisphere—the Aztec Calendar or Solar Stone—was found beneath the ground by workmen repairing Mexico City's Central Plaza. The centuries-old, intricately carved stone lift, 8 inches in diameter and weighing nearly 25 tons, proved to be a highly developed calendar monument to the sun. Believed to have been carved in the year 1479, this extraordinary time-counting basalt tablet originally stood in the Great Temple of the Aztecs. Buried along with other Aztec idols soon after the Spanish conquest in 1521, it remained hidden until 1790. Its 52-year cycle had regulated many Aztec ceremonies, including grisly human sacrifices to save the world from destruction by the gods.
    1791 - New York City traffic regulation creates the first one-way street.
    1797 - Scientist Joseph Henry was born at Albany, NY. One of his great discoveries was the principle of self-induction; the unit used in the measure of electrical inductance was named the Henry in his honor. In 1831, Henry constructed the first model of an electric telegraph with an audible signal. This formed the basis of nearly all later work on commercial wire telegraphy. In 1832, Henry was named professor of natural philosophy at the College of New Jersey, now Princeton University. Henry was involved in the planning of the Smithsonian Institution and became its first secretary in 1846. President Lincoln named Henry as one of the original 50 scientists to make up the National Academy of Sciences in 1863. He served as that organization's president from 1868 until his death May 13, 1878, at Washington, DC.
    1798 – The first impeachment trial against a U.S. senator, William Blount of Tennessee, begins.   An aggressive land speculator, Blount gradually acquired millions of acres in Tennessee and the trans-Appalachian west. His risky land investments left him in debt, and in the 1790s, he conspired with England to seize the Spanish-controlled Louisiana Territory in hopes of boosting western land prices. When the conspiracy was uncovered in 1797, he was expelled from the Senate, and became the first U.S. public official to face impeachment. Blount nevertheless remained popular in Tennessee, and served in the state senate during the last years of his life.
http://en.wikipedia.org/wiki/William_Blount
    1807 - Birthday of John Greenleaf Whittier, poet and abolitionist, at Haverhill, Essex County, MA. Whittier's books of poetry include “Legends of New England” and “Snowbound.”  Died at Hampton Falls, NH, Sept 7, 1892.
    1812 - U.S. forces attacked a friendly Lenape Indian village in the Battle of the Mississinewa.
    1821 - Kentucky was the first state to abolish imprisonment for debt. There were no bankruptcy laws, and prior to this, those individuals who got into debt would be sentenced to prison no matter the cause of the insolvency.
    1835 – A great fire leveled lower Manhattan.
    1846 - Ships under Commodore Matthew Calbraith Perry capture Laguna de Terminos during Mexican War.
    1861 - The Stonewall Brigade began to dismantle Dam No. 5 of the C&O Canal on the Potomac River, seven miles upriver from Williamsport, MD.   Destroying Dam No. 5 would effectively dry up the C&O Canal, cutting off the supply of Pennsylvania coal to factories and steamships in the Washington area.  The canal was also used to transport Union troops and military supplies. If Jackson could successfully breach the dam, he could throw a wrench into the Northern military machine and cause an energy crisis in the enemy capital for at least the winter.  He was not successful.  
http://www.13thmass.org/1861/index.html
  1862 - Union General Ulysses S. Grant lashes out at cotton speculators when he expels all Jews from his department in the west. At the time, Grant was trying to capture Vicksburg, Mississippi, the last major Confederate stronghold on the Mississippi River. Grant's army now effectively controlled much of the territory in western Tennessee, northern Mississippi, and parts of Kentucky and Arkansas. As in other parts of the South, Grant was dealing with thousands of escaped slaves. John Eaton, a chaplain, devised a program through which the freed slaves picked cotton from abandoned fields and received part of the proceeds when it was sold by the government. Grant also had to deal with numerous speculators who followed his army in search of cotton. Cotton supplies were very short in the North, and these speculators could buy bales in the captured territories and sell it quickly for a good profit. In December, Grant's father arrived for a visit with two friends from Cincinnati. Grant soon realized that the friends, who were Jews, were speculators hoping to gain access to captured cotton. Grant was furious and fired off his notorious Order No. 11: "The Jews, as a class violating every regulation of trade established by the Treasury Department and also department orders, are hereby expelled from the department within twenty-four hours from receipt of this order." The fallout from his action was swift. Among 30 Jewish families expelled from Paducah, Kentucky, was Cesar Kaskel, who rallied support in Congress against the order. Shortly after the uproar, President Lincoln ordered Grant to rescind the order. Grant later admitted to his wife that the criticism of his hasty action was well deserved. As Julia Grant put it, the general had "no right to make an order against any special sect."
    1874 - Birthday of W.L. MacKenzie, former Canadian prime minister, at Berlin, Ontario. He served 21 years, the longest term of any prime minister in the English-speaking world. Died at Kingsmere, July 22, 1950
    1884 - A three week blizzard of snow began at Portland, OR. A record December total of 34 inches was received.
    1889 - Rosemary "Silver Dollar" Tabor, the second daughter of Horace and Elizabeth "Baby Doe" Tabor, is born. The Tabors were one of Colorado's wealthiest families of the time. Silver's mother, Elizabeth Doe, came west from Wisconsin with her husband, Harvey, in 1877.  The couple hoped to make a fortune in the booming gold and silver mines of Colorado. Harvey Doe proved to be an inept and lazy miner, though, so Elizabeth divorced him and moved to the mining town of Leadville in 1881, where she performed on the stage and was nicknamed "Baby Doe" by admiring miners. During a chance encounter, Baby Doe won the affections of Horace Tabor, an emigrant from Vermont who made millions in the silver mines. Although Tabor was a married man, he moved Baby Doe into an elegant hotel in Denver and began a not-so-secret affair that scandalized the Colorado gentry. Ignoring the wagging tongues, Tabor divorced his wife and married the beautiful Baby Doe, who was nearly a quarter-century younger than he. For a time, the couple lived a life of extraordinary opulence and pleasure, and Baby Doe had two daughters nicknamed "Lillie" and "Silver Dollar," the latter in recognition of the source of the family's wealth. During the early 1890s, the good times started to slow as some of Tabor's investments went sour and his mines began to decline. The fatal blow came in 1893, when the U.S. Congress repealed the Silver Purchase Act of 1890, which had kept silver prices high through government investment. Without these large purchases of silver by the U.S treasury, prices plummeted and Tabor's once valuable mines were suddenly nearly worthless. In a matter of months, Tabor was bankrupt and the family was reduced to living on the modest income he earned as Denver's postmaster. When Tabor died in 1899 of appendicitis, Baby Doe and her young daughters were left penniless, and moved back to Chicago to live with relatives. Eventually, Baby Doe left Lillie in Chicago and returned to Leadville with Silver Dollar. The decision was disastrous: mired in poverty, Baby Doe and Silver eked out a threadbare existence, living in a small shack near one of the worthless silver mines they inherited from Horace Tabor. As Silver grew older, she drank heavily and used drugs. She moved to Chicago, where she was murdered in 1925 at 36 years old. Baby Doe survived for another decade, an impoverished recluse who used old gunny sacks for shoes and doctored herself with turpentine and lard. During a severe blizzard that hit Leadville for several days in February 1935, Baby Doe--who had once been one of the richest people on earth--died cold and alone at 81 years old.
    1892 - First issue of “Vogue” is published.
    1894 – Boston Pops conductor Arthur Fiedler was born in, where else, Boston.  Fielder died in 1979.
    1895 - George Loomis Brownell of Worcester, MA, patented a paper twine machine. It twisted strips or ribbons of paper into cord that was as strong as any known steel.
    1895 - Anti-Saloon League of America is formed in Washington, D.C.
    1896 – Schenley Park Casino, Pittsburgh, the first multi-purpose arena in North America with the technology to create an artificial ice surface, is destroyed in a fire.
    1901 - Birthday of Janet G. Travell, first woman physician to hold the post of personal physician to the President of the United States (John F. Kennedy).  Travell was called upon by the personal orthopedic surgeon of Senator John F. Kennedy to assist with back pain treatments. Kennedy suffered from terrible pain resulting from invasive back surgeries related to injuries sustained during World War II. When Kennedy was elected president in 1960, he appointed her as his personal physician. She continued to serve as Personal Physician to the President following the assassination with his successor Lyndon Johnson. She continued through Johnson's re-election, but decided to leave the White House in 1965. She was a specialist in the study and treatment of musculoskeletal pain. She was firm believer in rocking chairs as mild muscular exercisers and believed that every person should choose their particular chair to fit their bodies.  At the age of 95, Travell died of heart failure at her home in Northampton, Massachusetts in 1997.
    1903 - Birthday of bandleader Ray Noble, Brighton, England
http://www.nobello.com/ray.htm
    1903 - American author Erskine Caldwell was born in Caldwell, GA. He authored unadorned novels and stories, “Tobacco Road”, “God's Little Acre”, about rural poor of the American South mixed with violence and sex in grotesque tragicomedy.  He is particularly esteemed in France and the former Soviet Union. He struggled with censorship more than any other writer in his time. He died in Paradise Valley, Arizona on April 11, 1987.
http://www.libs.uga.edu/gawriters/caldwell.html
http://www.kirjasto.sci.fi/caldwell.htm
http://www.newnan.com/ec/
    1903 – Brothers Orville and Wilbur Wright, bicycle shop operators from Dayton, OH, inventors and aviation pioneers, after three years of experimentation with kites and gliders, achieved the first documented successful powered and controlled flights of an airplane. The plane, which weighed 745 pounds with a four-cylinder, 12-horsepower engine, was launched from a monorail after a 35-to-40 foot run. It remained aloft for 12 seconds and covered 120 feet. Three subsequent flights took place that day, of which the longest covered 852 feet in 59 seconds. The average speed was 31 miles per hour. Some historians respect the claim of Gustave Whitehead, who is said to have made four flights, one of which covered a distance of 1.5 miles, in his airplane “No. 21” on August 14, 1901, near Bridgeport. The Wright Brothers promoted their launching with press on hand and the event has been celebrated every year at the Wright Brothers National Memorial, Kill Devil Hills, NC, with wreaths, flyover and other observances, regardless of weather.
http://memory.loc.gov/ammem/today/dec17.html
    1904 – Birthday of artist Paul Cadmus in NYC.  Well-respected homosexual painter, best known for his paintings and drawings of nude male figures. His works combined elements of eroticism and social critique to produce a style often called magic realism. His notorious erotic painting, The Fleet's In!”launched his career as a full-time artist. Died 1999.
http://www.artcyclopedia.com/artists/cadmus_paul.html
http://www.history.navy.mil/ac/cadmus/cadmus.htm
http://www.davidsutherland.com/films_cadmus.html
http://www.amazon.com/exec/obidos/ASIN/0915829681/inktomi-bkasin-20/104-3547695-1517507
    1908 - Birthday of Willard Frank Libby at Grand Valley, CO. American educator, chemist, atomic scientist and Nobel Prize winner. He was the inventor of the carbon-14 “atomic clock” method for dating ancient and prehistoric plant and animal remains and minerals. Died at Los Angeles, CA, Sept 8, 1980.
( lower half of: http://memory.loc.gov/ammem/today/dec17.html )
    1910 - Band Leader/Trombone player Sy Oliver’s birthday, born Melvin James "Sy" Oliver at Battle Creek, MI. 
http://search.eb.com/blackhistory/micro/437/64.html
http://www.vh1.com/artists/az/oliver_sy/bio.jhtml
http://trumpetjazz.netfirms.com/Artists/Sy_Oliver.html
    1913 – The founder of Baskin-Robbins, Burt Baskin, was born in Streator, IL.  He founded the company with his brother-in-law, Irv Robbins in 1946.
    1920 - The first orphanage founded by the Church of God opened in Cleveland, Tennessee. Its establishment was the result of the vision and efforts of Church of God pioneer, A.J. Tomlinson.
    1920 – The American league allowed spitballers to continue to use while banning it for newcomers.
    1924 - A severe ice storm struck central Illinois. It coated the ground with nearly two inches of glaze at Springfield. The storm caused 21 million dollars damage along with much hardship. Ice was on the trees until the 4th of January, and electricity was not restored until January 10th.
    1924 – The first diesel electric locomotive in the U.S. enters service in The Bronx.
    1925 - Birthday of drummer Walter Bolden, Hartford, CT.  Died February 19, 2002.
http://www.jazztimes.com/JazzNews/XcNewsPlus.asp?cmd=view&
articleid=516

http://www.jazzvalley.com/musician/walter.bolden
    1925 - Colonel William "Billy" Mitchell was court-martial for insubordination. Mitchell was a US Army general who is regarded as the father of the US Air Force.  He served in the U.S. Army during World War I and by the conflict's end, commanded all American air combat units in that country.  At the time what would become the Air Force was part of the Army. After the war, he was appointed deputy director of the Air Service and began advocating increased investment in air power, believing that this would prove vital in future wars. He argued particularly for the ability of bombers to sink battleships and organized a series of bombing runs against stationary ships designed to test the idea.It was President Coolidge himself who ordered Mitchell's court-martial under charges of insubordination under the 96th Article of War ("conduct of a nature to bring discredit on the military service"). The trial lasted seven weeks, most of which was devoted to a discussion of Mitchell's concept of airpower. The verdict of guilty was a foregone conclusion, and Mitchell was sentenced to be suspended from rank, command, and duty, with a forfeiture of all pay and allowances for five years. President Coolidge, in an uncharacteristic fit of generosity, later reduced this to forfeiture of half his pay and allowances.
Billy Mitchell refused the offer and resigned on February 1, 1926. All through the court-martial proceedings, Mitchell had the staunch support of "Hap" Arnold and such officers as Carl Spaatz, Herbert Dargue, Robert Olds, William Gillmore, Horace Hickam, and others. Each put his career on the line for Mitchell even though they knew he would be convicted. After the trial, Arnold was exiled to become commanding officer of the 16th Observation Squadron, Fort Riley, Kan. The assignment was intended to be the end of his career. Mitchell continued to campaign in speeches and articles. "Hap" Arnold, for his part, soldiered on, his leadership qualities inevitably propelling him to the top, regardless of residual resentment about his unflagging support for Mitchell. More important than Arnold's loyalty, however, was his comprehension of Mitchell's fascination with technology. Early in his tour as Army Air Corps Chief, Arnold began soliciting the ideas and the company of the top scientists in the country. Eventually, he enlisted the assistance of such stellar names as Theodore von Kármán, Hugh L. Dryden, Frank Wattendorf, Hsue-shen Tsien, Vladimir K. Zworykin, and many others for the Scientific Advisory Group, later transformed into the Scientific Advisory Board. These men and others created first "Where We Stand" and then "Toward New Horizons," studies that addressed state-of-the-art technology and put forth a blueprint for the development of the postwar Air Force. It is important to note that neither Mitchell nor Arnold had the scientific competence to write such reports; they had, instead, the far more vital ability to see that the reports were needed, recognize who could produce them, and sympathetically enlist their support. The officers Arnold picked to work with the scientists were equally well chosen, among them such men as James H. Doolittle, Donald L. Putt, and Laurence C. Craigie. They knew the importance of science and of scientists. Again, in the spirit of Billy Mitchell, Arnold picked promising young officers who understood the requirements of technology and saw that they were given a track to top positions. Doing so cost him friends. Comrades who had served with him, and who were now passed over, resented his choices. But Arnold knew he was not running a popularity contest; he was building an independent Air Force. Mitchell received many honors following his death in 1936, including a commission by President Franklin Roosevelt as a Major General. He is also the only individual after whom a type of American military aircraft, the B-25 Mitchell bomber, is named.
    1926 - Ben Pollack and His Californians records "He’s the Last Word." In the late 1950's, my friends and I hung out at his Dixieland pizza joint on Sunset Blvd in Hollywood, where he would play the drums. Sandy Nelson said he got his "boom-chick-a-boom" here, or perhaps it was the burlesque house drummer, which is the real truth.
    1929 – Columnist and presidential speechwriter, William Safire was born in NYC.  He was perhaps best known as a long-time syndicated political columnist for the New York Times and the author of "On Language" in the New York Times Magazine, a column on popular etymology, new or unusual usages, and other language-related topics from its inception.  Too bad he passed in 2009…he’d have a field day today!
    1930 – Penthouse founder and publisher Bob Guccione was born Robert Charles Joseph Edward Sabatini Guccione in Brooklyn.  He died in 2010.
    1932 - Birthday of sax player Sonny “Red” Kyner, Detroit, MI
http://www.allaboutjazz.com/reviews/r1100_096.htm
    1933 - Birthday of bass player Walter Booker, Jr., Prairie View, TX, died 1982.
    1933 - The Chicago Bears of the Western Division won the National Football League's first championship game, defeating the New York Giants of the Eastern Division, 23-21. The Bears scored the winning touchdown on a pass and lateral play begun by Bronko Nagurski. The purse was divided, with 60 percent going to the players, 15 percent to each club, and 10 percent to the league. Shares for individual players were $210 for the Bears and $140 for the Giants.
http://www.mapleshaderecords.com/artists/walter_booker.html
    1935 – The flight of the first DC-3.
    1936 - Ventriloquist Edgar Bergen, Candace’s dad, and dummy Charlie McCarthy, first appear on TV.
    1938 – Otto Hahn discovers the nuclear fission of the heavy element uranium, the scientific and technological basis of nuclear energy.
    1939 - Birthday of pianist James Booker, New Orleans, LA
http://offbeat.com/booker/discography.html
http://www.zultimate1.com/music/blues/j_blues_bands/james_booker.htm
http://www.thejukejoint.com/jamesbooker.html
    1939 - Birthday of Eddie Kendricks, lead singer of The Temptations, Union Springs, Al
http://www.thetemptations.com/eddiekendricks.htm
http://www.alamhof.org/kendrick.htm
    1940 - United States President Franklin Roosevelt outlined his plan for "lend-leasing" arms and equipment to Britain during World War II.
    1941 - Rear Admiral Husband E. Kimmel was relieved of his command of the U.S. Pacific Fleet as part of a shake-up of officers in the wake of the Pearl Harbor disaster. Admiral Kimmel had enjoyed a successful military career, beginning in 1915 as an aide to the Assistant Secretary of the Navy, Franklin Delano Roosevelt. He served admirably on battleships in World War I, winning command of several in the interwar period. At the outbreak of World War II, Kimmel had already attained the rank of rear admiral and was commanding the cruiser forces at Pearl Harbor. In January 1941, he was promoted to commander of the Pacific Fleet, replacing James Richardson, who FDR relieved of duty after Richardson objected to basing the fleet at Pearl Harbor. If Kimmel had a weakness, it was that he was a creature of habit, of routine. He knew only what had been done before, and lacked imagination and insight regarding the unprecedented. So, even as word was out that Japan was likely to make a first strike against the United States as the negotiations in Washington floundered, Kimmel took no extraordinary actions at Pearl Harbor. In fact, he believed that a sneak attack was more likely at Wake Island or Midway Island, and requested from Lieutenant General Walter Short, Commander of the Army at Pearl Harbor, extra antiaircraft artillery for support there (none could be spared). Kimmel's predictability was extremely easy to read by Japanese military observers and made his fleet highly vulnerable. As a result, Kimmel was held accountable, to a certain degree, for the absolute devastation wrought on December 7. Although he had no more reason than anyone else to believe Pearl Harbor was a possible Japanese target, a scapegoat had to be found to appease public outrage. He avoided a probable court-martial when he requested early retirement. When Admiral Kimmel's Story,”an "as told to" autobiography, was published in 1955, Kimmel made it plain that he believed FDR sacrificed him-and his career-to take suspicion off himself; Kimmel believed Roosevelt knew Pearl Harbor was going to be bombed, although no evidence has ever been adduced to support his allegation. The only intelligence at the time talked about a possible invasion of Indochina. There was speculation that Wake Island in Midway might be a target, but it was thought at the time the Japanese were more interested in the China mainland and its surrounding countries, their century old enemies.
    1943 - All Chinese are again permitted to become citizens of the United States with the repealing of the Act of 1882 and the introduction of the Magnuson Act.
    1944 - COWAN, RICHARD ELLER, Medal of Honor.
Rank and organization: Private First Class, U.S. Army, Company M, 23d Infantry, 2d Infantry Division. Place and date: Near Krinkelter Wald, Belgium, 17 December 1944. Entered service at: Wichita, Kans. Birth: Lincoln, Nebr. G.O. No.: 48, 23 June 1945. Citation: He was a heavy machine-gunner in a section attached to Company I in the vicinity of Krinkelter Wald, Belgium, 17 December 1944, when that company was attacked by a numerically superior force of German infantry and tanks. The first 6 waves of hostile infantrymen were repulsed with heavy casualties, but a seventh drive with tanks killed or wounded all but 3 of his section, leaving Pvt. Cowan to man his gun, supported by only 15 to 20 riflemen of Company I. He maintained his position, holding off the Germans until the rest of the shattered force had set up a new line along a firebreak. Then, unaided, he moved his machinegun and ammunition to the second position. At the approach of a Royal Tiger tank, he held his fire until about 80 enemy infantrymen supporting the tank appeared at a distance of about 150 yards. His first burst killed or wounded about half of these infantrymen. His position was rocked by an 88mm. shell when the tank opened fire, but he continued to man his gun, pouring deadly fire into the Germans when they again advanced. He was barely missed by another shell. Fire from three machineguns and innumerable small arms struck all about him; an enemy rocket shook him badly, but did not drive him from his gun. Infiltration by the enemy had by this time made the position untenable, and the order was given to withdraw. Pvt. Cowan was the last man to leave, voluntarily covering the withdrawal of his remaining comrades. His heroic actions were entirely responsible for allowing the remaining men to retire successfully from the scene of their last-ditch stand.
    1944 - LOPEZ, JOSE M., Medal of Honor.
Rank and organization: Sergeant, U.S. Army, 23d Infantry, 2d Infantry Division. Place and date: Near Krinkelt, Belgium, 17 December 1944. Entered service at: Brownsville, Tex. Birth: Mission, Tex. G.O. No.: 47, 18 June 1945. Citation: On his own initiative, he carried his heavy machinegun from Company K's right flank to its left, in order to protect that flank which was in danger of being overrun by advancing enemy infantry supported by tanks. Occupying a shallow hole offering no protection above his waist, he cut down a group of 10 Germans. Ignoring enemy fire from an advancing tank, he held his position and cut down 25 more enemy infantry attempting to turn his flank. Glancing to his right, he saw a large number of infantry swarming in from the front. Although dazed and shaken from enemy artillery fire which had crashed into the ground only a few yards away, he realized that his position soon would be outflanked. Again, alone, he carried his machinegun to a position to the right rear of the sector; enemy tanks and infantry were forcing a withdrawal. Blown over backward by the concussion of enemy fire, he immediately reset his gun and continued his fire. Single-handed he held off the German horde until he was satisfied his company had effected its retirement. Again he loaded his gun on his back and in a hail of small arms fire he ran to a point where a few of his comrades were attempting to set up another defense against the onrushing enemy. He fired from this position until his ammunition was exhausted. Still carrying his gun, he fell back with his small group to Krinkelt. Sgt. Lopez's gallantry and intrepidity, on seemingly suicidal missions in which he killed at least 100 of the enemy, were almost solely responsible for allowing Company K to avoid being enveloped, to withdraw successfully and to give other forces coming up in support time to build a line which repelled the enemy drive.
    1944 - Japanese-Americans were released from detention camps. US Army announced the end of excluding Japanese-Americans from the West Coast.  U.S. Major General Henry C. Pratt issued Public Proclamation No. 21, declaring that, effective January 2, 1945, Japanese American "evacuees" from the West Coast could return to their homes. By June, more than 110,000 Japanese Americans were relocated to remote internment camps built by the U.S. military in scattered locations around the country. For the next two and a half years, many of these Japanese Americans endured extremely difficult living conditions and poor treatment by their military guards. During the course of World War II, 10 Americans were convicted of spying for Japan, but not one of them was of Japanese ancestry.   http://americanhistory.si.edu/perfectunion/non-flash/justice_postwar.html
    1944 - U.S. destroyers sink in storm off Philippines, 790 killed
    1944 – In the Battle of the Bulge – Malmedy massacre – the US 285th Field Artillery Observation Battalion POWs are shot by Waffen-SS Kampfgruppe Peiper.
     1946 - Top Hits
“Ole Buttermilk Sky” - The Kay Kyser Orchestra (vocal: Mike Douglas & The Campus Kids)
“White Christmas” - Bing Crosby
“The Whole World is Singing My Song” - The Les Brown Orchestra (vocal: Doris Day)
“Divorce Me C.O.D.” - Merle Travis
    1946 - President Harry S. Truman received the first coin bearing the likeness of an African-American, the 50 cent commemorative honoring Booker T. Washington, the founder of Tuskegee Institute. It was authorized on August 7, 1946. The obverse showed the head of Washington and the reverse a stylized Hall of Fame, under which were the words “From Slave Cabin to Hall of Fame.” Centered under this wording was a slave cabin, to the left of which was the inscription, “In God We Trust,” and to the right, “Franklin County, VA.” Around the rim was the inscription “Booker T. Washington Birthplace Memorial---Liberty”. The coin was designed by Isaac Scott Hathaway.
    1947 - New York struck by a blizzard, resulting with 27" of snow.
http://manhattan.about.com/library/weekly/aa010101a.htm
http://www-nsidc.colorado.edu/snow/shovel.html
    1947 – The first flight of the B-47 bomber.
    1948 - Vowing to not “subvert” his music, Stan Kenton breaks up his band, New York City ( he came back in 1950 with his biggest band yet: http://home.hiwaay.net/~crispen/kenton/biography.html )
    1953 – The FCC approved RCA's black and white - compatible color TV specifications.
    1954 - Top Hits
“Mr. Sandman” - The Chordettes
“Count Your Blessings” - Eddie Fisher
“Let Me Go, Lover!” - Teresa Brewer
“More and More” - Webb Pierce
    1954 – The first fully automated railroad freight yard opened in Gary, Indiana.
    1955 - Carl Perkins wrote "Blue Suede Shoes", which he was recording, less than 48 hours later, at the Sun Studios in Memphis, Tennessee. The song became one of the first records to have simultaneous popularity on rock, country and rhythm & blues charts.
    1955 - While their hit "Only You" was still at #2, the Platters' "The Great Pretender" enters the Billboard R&B chart at #13. I had all their records at 13 years old.
    1955 - Tennessee Ernie Ford's "Sixteen Tons" is number one on both the Billboard Pop and Country & Western charts.
    1956 - The first African-American pilot on a scheduled passenger line was Perry H. Young of Orangeburg, SC.  He was hired as a flight crewman by New York Airways, New York City. He started regular passenger flights on February 1, 1957, as a copilot in a 12-passenger S-58 helicopter between New York International (now JFK International), La Guardia, and Newark, NJ, airports.
    1957 - Bobby Helms' "Jingle Bell Rock" enters the Billboard Pop chart for the first time, where it will reach #6. It will make the chart again in December 1958, 1960, 1961 and 1962.  The song was composed by Joseph Carleton Beal (1900–1967), and James Ross Boothe (1917–1976).  With “White Christmas” it is among the best-selling songs of all-time.
    1957 - The United States successfully launches the first Atlas ICBM at Cape Canaveral.
    1959 – On the Beach”,the gripping post-nuclear war film starring Gregory Peck, Ava Gardner, Fred Astaire, and Tony Perkins, premiered in New York.
    1962 - Top Hits
“Big Girls Don't Cry” - The Four Seasons
“Return to Sender” - Elvis Presley
“Bobby's Girl” - Marcie Blane
“Don't Let Me Cross Over” - Carl Butler & Pearl (Dee Jones)
    1962 - James Carroll at WWDC in Washington, DC, became the first disc jockey to broadcast a Beatles record on American airwaves. Carroll played "I Want to Hold Your Hand", which he had obtained from his stewardess girlfriend, who brought the single back from Britain. Due to listener demand, the song was played daily, every hour. Since it hadn't been released yet in the States, Capitol Records initially considered court action, but instead released the single earlier than planned.
    1963 - The US Congress passed the “Clean Air Act,” a sweeping set of laws passed to protect the nation from air pollution. This was the first legislation to place pollution controls on the automobile industry. It authorized $93 million in matching grants for state-funded air pollution prevention and control programs.
    1965 - In San Francisco, the fourth Acid Test took place at Muir Beach Lodge near Mt. Tamalpais in Marin County after being advertised for Stinson Beach. This was the largest one to date in terms of attendance.
    1965 – The Eighth Wonder of the World, the Astrodome opened in Houston with its first event, a Judy Garland and Supremes concert
    1966 -The Royal Guardsmen's "Snoopy vs. the Red Baron" enters the Billboard Pop chart, where it will peak at #2 during its eleven week run.
    1966 - In San Francisco, Benefit for Legalization of Marijuana (LEMAR) at California Hall. Country Joe and the Fish entertained.
    1966 - The Four Tops' "Standing in the Shadows of Love" enters the Billboard Hot 100. During a ten week stay, the tune will peak at #6. It also reaches #2 on the R&B chart.
    1966 - Death & Rebirth of the Haight-Ashbury (Hairy Henry & Fyllis busted). Home of the anarchist Bound Together Books Collective .
http://www.cnsproductions.com/cocaine.html
http://dmoz.org/Society/Politics/Anarchism/Bookstores/
    1969 - USAF closes Project Blue Book, concluding no evidence of extraterrestrial spaceships behind thousands of UFO sightings.
http://www.jagat.com/joel/socks.html
http://www.roswell-online.com/clipart/ufoclip1.htm
    1969 - The soprano-voiced, ukulele-playing Tiny Tim married the lovely Miss Vickie on Johnny Carson's The Tonight Show on this date before a huge viewing audience. The NBC-TV program earned the second-highest, all-time audience rating; second only to Neil Armstrong's walking on the moon. The unlikely couple later divorced in 1977, but not before Miss Vickie gave birth to daughter Tulip.
    1969 - Chicago Transit Authority earned a gold record for the group of the same name, who would later become simply "Chicago". The album's release by Columbia Records marked the first time an artist's debut LP was a double record.
    1970 - Top Hits
“The Tears of a Clown” - Smokey Robinson & The Miracles
“One Less Bell to Answer” - The 5th Dimension
“My Sweet Lord/Isn't It a Pity” - George Harrison
“Endlessly” - Sonny James
    1975 – Lynette “Squeaky” Fromme sentenced to life for attempt on President Ford's life
    1976 - The Ted Turner-owned WTCG-TV, Atlanta, Georgia, changed its call letters to WTBS, and was unlinked via satellite, making it the first commercial television station to cover the entire United States. WTBS began on only four cable systems, available in 24,000 homes.
    1977 - Elvis Costello & the Attractions appear on NBC-TV "Saturday Night Live" in place of the Sex Pistols, who can't get a visa to enter the country. Producer Lorne Michaels refuses to allow Costello to perform "Radio, Radio" (because of the song's criticism of the broadcasting industry), but a few measures into "Less than Zero," Costello halts his group & goes into "Radio, Radio." He will never be invited back.
    1978 - Top Hits
“You Don't Bring Me Flowers” - Barbra Streisand & Neil Diamond
“Too Much Heaven” - Bee Gees
“My Life” - Billy Joel
“The Gambler” - Kenny Rogers
    1979 - “House Calls” premiered on TV. This half-hour sitcom set in Kensington General Hospital starred Wayne Rogers as Dr. Charley Michaels and Lynn Redgrave as Ann Anderson, assistant administrator and Michaels's love interest. Also featured was David Wayne as flaky chief of surgery Dr. Amos Wetherby. After a dispute with the producers, Redgrave was dropped in 1982 and replaced by Sharon Gless as assistant Jane Jeffries.
    1984 - “Run-D.M.C.” went gold, the first Rap album to attract a mass audience, recorded by the rap group of the same name. Run-D.M.C's members were “Jam Master” Jason Mizell, Joseph “ Run” Simmons, and “MC” Darryle “D” McDaniels, all of New York City. The album was released by Profile Records in June, 1984, and Rap was the music of this generation.
    1984 - For the first time in 14 matches, John McEnroe and Peter Fleming lost a doubles tennis match in the Davis Cup competition. Anders Jarryd and Stefan Edberg lead the Swedish team to win the title, marking the worst defeat since 1973 for the United States team
    [relo-chron] 1986 - A federal jury in Las Vegas ruled that NBC falsely linked entertainer Wayne Newton to organized crime in 1980 and 1981 telecasts. Newton was awarded $19.2 million in defamation damages.
    1986 - Top Hits
“The Way It Is” - Bruce Hornsby & The Range
“Walk Like an Egyptian” - Bangles
“Everybody Have Fun Tonight” - Wang Chung
“Hell and High Water” - T. Graham Brown
    1986 - U.S. Congress forms an Iran-gate committee to investigate the Reagan Administration’s alleged trading of arms for hostages.
    1987 - A storm in the southwestern U.S. brought heavy rain and heavy snow to parts of California, Nevada, Arizona, Utah and New Mexico. Charleston, NV was blanketed with 12 inches of snow. Lake Havasu City, AZ was drenched with 2.26 inches of rain.
    1989 - TV's animated family, “The Simpsons,” premiered as a half-hour weekly sitcom. The originator of Homer, Marge, Bart, Lisa and Maggie is cartoonist Mall Groening. The Simpsons' inaugural episode was "Simpsons Roasting on an Open Fire”. For the full story, go here:
http://freespace.virgin.net/lol.marcus/simpsons.htm
    1989 - Twenty-one cities from Kentucky to Pennsylvania reported record low temperatures for the date, including Columbus, OH with a reading of 12 degrees below zero. Heavy snow continued in the Colorado Rockies. Vail received 65 inches of snow between the 14th and the 18th of December. Steamboat Springs was buried under 74 inches, and reported a total of 108 inches of snow between the 10th and the 18th of the month.
    1991 – In the NBA's most lopsided game, Cleveland beats Miami 148-80.
    1994 - Remixed version of The Four Seasons' "December, 1963 (Oh, What a Night)" re-enters the Billboard Hot 100, where it will stay for another 27 weeks, just as it did when it first charted in 1976. The combined run will establish a record for the longest total chart appearance in history. The song reached #1 the first time out and #14 during its second stay.
    2000 - San Francisco wide receiver Terrell Owens sets a new NFL single-game receiving record with 20 catches in the 49ers' 17-0 win over Chicago. Owens totaled 283 yards and a touchdown while topping Tom Fears' mark of 18 receptions which had stood since 1950.
    2000 - Jerry Rice played his last football game for the SF 49ers as they defeated the Chicago Bears 17-0.
    2002 - Thunderstorms preceding a strong cold front pushed into the U.S. Mississippi Valley, producing severe weather and tornadoes. Three people were killed in Missouri and Arkansas with more than 40 injuries
    2004 - President Bush signs the Intelligence Reform and Terrorism Act of 2004 which reorganizes intelligence agencies and creates position of national security director
    2006 - The Rolling Stones' “A Bigger Bang” tour re-captured the title of top-grossing tour ever from U2's Vertigo and was the top grossing tour of the year, according to numbers reported to Billboard Box score. The Stones took in about $437 million since the previous November.
    2012 - Outgoing U.S. Senator Jim DeMint is replaced by GOP Congressman Tim Scott, the first black senator from the South since 1881
    2013 – The Rock and Roll Hall of Fame will induct Linda Ronstadt, Peter Gabriel, Hall & Oates, Nirvana, KISS, and Cat Stevens in 2014.    
    2014 - Green Day, Lou Reed and "Lean on Me" singer Bill Withers will lead a new class of inductees into the Rock and Roll Hall of Fame Class of 2015.  The Hall announced it will also welcome Joan Jett & the Blackhearts and make Ringo Starr the fourth ex-Beatle enshrined as an individual. Besides Reed, the class includes other posthumous inductees Paul Butterfield and Stevie Ray Vaughan.  The 30th annual induction ceremony will be held at Cleveland, Ohio's Public Hall on April 18, 2015.

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Top Stories

(chronological order)

- 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
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    Appears Keeping Former Tyco President Mansion in NH
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  Former NFL Football Player
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   Fourth Indian-American Bank to Fail in Chicago
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   Very, When the Lessor Sneaks in a Blanket Lien
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- Compensation Plan
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  the Original Founders of Direct Capital
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    Legal Definitions by Leasing News Legal Editor Tom McCurnin
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- Why Leasing News “Job Wanted” Ads Are Sparse
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- Equipment Tax Deductions
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   for home automation, security service providers
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  Private Midsize Company in Orange County, California
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   by Ralph Mango, Leasing News Associate Editor
- Invest in Your Country
  U.S. Savings Bonds
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    and Make Extra Income
- 2014 Survey Reports Expert Witness Hourly Fees
    Record  All-Time Highs
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- 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
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   To Remain on Leasing News Advisory Board
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   September 10, 2014
- Complaints Bulletin Board BBB Ratings
- Features in Leasing News
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    with $100 Million Credit Facility
- 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 
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- 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
- Fugitive Banker Accused of Faking Own Death
 Found Alive, Now Arrested
- 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
- Terry Winders, CLP, Custom Built Poker Tables
   ---Order One for Father’s Day
- 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
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- "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
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