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Friday, October 6, 2006
Archives-2000- US Bancorp Merges w/Firstar
Classified Ads---Asset Management
Dwight Galloway, CLP: What me Worry?
Cartoon---Galloway as the Winner
Jimmy Frank joins Sterling Savings Bank
Classified AdsHelp Wanted
AOL Open Ride: Look Out!
ELA Report: Capital investment slowdown
...yet to materialize.
Fitch: on GATX Aircraft Unit Sale
Main Street Opens Healthcare Office
CIT Provides Legends Gaming Financing
CacheMatrix Analyzes Interest Rate Rise
McNeely joins AIGCEF
News Briefs---
You May have Missed---
Sports Briefs---
California Nuts Briefs--
"Gimme that Wine"
Calendar Events
Snapple Real Facts
Today's Top Event in History
This Day in American History
Baseball Poem
######## surrounding the article denotes it is a press release
Archives-2000- US Bancorp Merges with Firstar
I am hoping to be the first to tell you about an exciting announcement concerning our new parent corporation, US Bancorp Leasing and Financial. I am sending you the following link showing an announced merger of US Bancorp with Firstar Corporation, a merger which will close in the first quarter of the year 2001.
I am sending this to you to let you know that nothing will change concerning the Operations and Direction of The Manifest Group. As we merged with US Bank, one of the premises that was a positive for us was the fact that US Bancorp did not have a solid small ticket platform to process small ticket leasing transactions. Lyon Financial and The Manifest Group filled that void for USBL&F. The same is true with the merger to Firstar Corporation--they also do not have a small ticket platform and will be looking to us to continue our success in the small ticket market. We will continue to support the broker marketplace and follow the same policies and procedures which have made us who we are today. The management team will stay in place, and we will continue to operate from our Marshall, MN facilities. With this change comes nothing but exciting opportunities for our internal and external customers alike!
If you have any further questions, feel free to give me a call.
Tom (Landmark)
Tom Landmark
Classified Ads---Asset Management
Ryan Patrick Winery, Rock Island, Washington *
These help-wanted ads are free. We also recommend to both those seeking a position and those searching for a new hire to also go to other e-mail posting sites:
In addition, those seeking employment should go to the human resource departments on company web sites for funders, captive lessors, and perhaps broker-lessors.
To place a free job wanted ad here, please go to:
Austin, TX
20+ years exper. lease/finance. P & L responsibility, strong credit & collection management, re-marketing& accounting. Computers, construction, auto & transportation. Both commercial/ consumer portfolios.
Email: firstname.lastname@example.com
Bloomfield Township, MI
15+ yrs experience asset management and credit analyst. Leadership and training skills. Audited returns, max residual, lease end and resale negotiator.
E-mail: firstname.lastname@example.com
Boston, MA
10yrs exp structuring/modeling sophisticated lease/ loan products. Expert programmer: customized portfolio mgmt, securitization, economic capital & pricing applications. Available for contract work.
E-mail: email@example.com
Chicago, IL
MBA, 15+ years exp. Long history of success in maximizing residual position through outstanding negotiation skills & lease contract management. Third party re-marketing, forecasting etc...
email: email@example.com
Chicago, IL
2+ Years Exp. Asset Remarketing Transportation/ Medical/Cosmetic Equipment; Superior End Of Lease Negotiation Skills; Comprehensive Buyer Contacts; Available Immediately For Assignment
Email: email@example.com
Princeton, NJ
Asset management/credit/collection
20+ years experience in equipment financing. Last five years in Asset Management including remarketing, end of lease negotiations, equipment and market evaluations
E-mail: firstname.lastname@example.com
Sausalito, CA
Sr. Corp. officer, presently serving as consultant, fin. service background, M&A, fund raising, great workout expertise, references
Email: email@example.com
Sonoma, CA
20+ years managing/ maximizing residual values, exp. computers/ hi-tech mfg. Excellent negotiation skills. Outstanding 3rd party contacts/buyers. Created deal winning structures-established residual values.
Email: email@example.com
Wilton, CT
18 years exp. in IT and High Tech leasing industry. Residual forecasting, workouts, off-lease sales, mid-term restructures, auctions, all aspects of remarketing and equipment management.
Email: firstname.lastname@example.com
* http://www.ryanpatrickvineyards.com/home.html
For a full listing of all job wanted ads, please go to:
Dwight Galloway, CLP: What me Worry?
by Christopher Menkin
A business columnist in the Atlanta Journal-Constitution questions if the recent changes in NetBank mean they are seeking to be sold. In Leasing News Wednesday edition we printed the stock owned by the officers, particularly the departing CEO and Chairman Douglas K. Freeman (482,255 with options of 856,969).
It has been made public the desire to sell its mortgage servicing unit, announcing it sale May.
It has made no public announcement of NetBank Business Finance, which to date has had five suitors, four who have visited the offices and employees know why they were there.
Once the Internet leader in banking, NetBank in August reported a $31.4 million loss for its second quarter and suspended dividend payments. For the first half of the year the loss was $42.4 million, vs. a nominal gain in the first half of 2005. It was not their first loss reported.
They reported a net loss of $15.9 million for the year ended:
"The bank's financial performance continues to be adversely affected by the non-performing business equipment leases in the bank's portfolio. The leases were originated by Commercial Money Center, Inc. and represent an outstanding principal investment of approximately $82 million. As reported previously, the bank has initiated litigation against Illinois Union Insurance Company, Royal Indemnity Company and SAFECO Insurance Company of America to guarantee performance of surety bonds these carriers issued on the leases in default. The bank's action against the sureties has been consolidated into a multi-district litigation proceeding in Federal District Court in Ohio. The schedule instituted by the judge assigned to the case requires completion of briefs by March 14, 2003, on the issue of whether the investors are entitled to judgment on the pleadings. The bank expects a ruling on these motions in spring 2003."
In 2004, Netbank reported a net loss of $17.7 million or $.38 per share for the fourth quarter, compared with net income of $10.0 million or $.21 per share during the same period a year ago. For the year, net income totaled $4.2 million or $.09 per share, compared with $50.5 million or $1.04 per share for 2003. Current period results include a provision expense against the company's Commercial Money Center, Inc. (CMC) lease receivables totaling $29.0 million, pre-tax, or $.38 per share, after-tax.
The company recorded a $29.0 million provision against its CMC lease receivables during the quarter. Management booked the additional provision after two other banks announced CMC-related settlements in November. CMC Lease portfolio Exposure.
It should be noted on August 15,2006 the US Attorneys Office in San Diego, California indicted the CMC officers for $300 million in tax evasion; Ronald Allen Fisher. Mark Edward Fisher and Kelly Michelle Fisher-Buh, arising from their receipt of unreported and untaxed income. Whether any money will come to creditors in this long CMC bankruptcy is yet to be seen.
In 2005, NetBank reported they had found "irregularities" associated with $13 million in mortgage loans, reporting a net loss of $1.4 million for the third quarter.
They had problems in delays in reporting to NASDAQ.
All of this has been reported, but it appears the star performer of their products NetBank Business Finance has not been mentioned in any of the press releases or news stories.
During this time Dwight Galloway, CLP and Charles Randall, along with some other top staff, were making record sales with solid credits in NetBank Business Finance. Both have repeated they do not want to go "on" or "off the record" with Leasing News. In fact, Galloway, a US ex-army special forces' paratrooper would not even reveal his rank and serial number to us. He does not believe he is "caught." He is still leading his company of soldiers.
Dwight Galloway, CLP
President, NetBank Business Finance
From inside bank sources, since Leasing News was one of the first to congratulate the internet banking venture in 2000, we are told the Galloway-Randall leasing operation has been doing quite well in private label and broker direct small ticket leasing with very few write-off, primarily in July, 2002 from culling away over 100 lease brokers who were submitting deals, getting few approved and few funded, to a much higher ratio today.
From the June 30, 2006 SEC Financial filing, the lease portfolio is $438.462,000:
Our lease receivables consist primarily of business equipment leases originated and serviced by the NetBank Business Finance division. In addition to originated lease receivables, NetBank, FSB owns a portfolio of purchased lease receivables originated by Commercial Money Center, Inc. (CMC). NetBank, FSB is involved in litigation with three insurance companies who are sureties on the purchased receivables. Since the second quarter of 2002, the entire portfolio of lease receivables originated by CMC has been on non-accrual status pending the outcome of the litigation. NetBank, FSB has filed a claim against CMC and the insurance company sureties for all payments that are currently past due, approximately $90 million at June 30, 2006. The recorded balance of CMC leases receivable as of June 30, 2006 was $25,615.
It should be noted that NetBank Business Finance is primarily a lease broker organization with no inside sales personnel, although they have granted both recourse and non-recourse lines of credit lessors such as Mount Pleasant Capital Corp's franchise lease niche and LPI Finance loan program to medical and dental offices (generally when a dentist expands or takes over a practice, the equipment is leased but improvements and working capital are covered with a LPI Finance loan.) NetBank has other niche accounts who Dwight Galloway, CLP certainly is telling not to worry. He has been here before.
September 29, 2000:
The expected result will be a sale of Republic Leasing Corporation (Columbia, South Carolina) along with the banks existing portfolio. We have certainly enjoyed the time with RBMG but since the divestiture of their banks several years ago; we have looked forward to an opportunity to again become part of an organization that can provide better funding for our established broker/lessors. In addition, we believe our long and profitable history and our Bank Customer Leasing Program will be particularly attractive to banks seeking a proven platform to meet their clients' leasing needs."
Republic of South Carolina (11/2001) parent and company now owned by NetBank; Dwight Galloway, CLP gets early Christmas present, broker community cheers the good news, too.
Top%20Stories/dwight.htm Republic Leasing, South Carolina 9/27/2000 (The expected result will be a sale of Republic Leasing"---Dwight Galloway, CLP. He adds, "We have always been for sale for the right price, but in thirteen years we have not sold off any leases or gone direct after broker's business, ever.)
If ever there was a CEO who had experience with raising funds for his company and the various do's and don'ts, it is ex-army soldier Dwight Galloway. He is old school tough.
It certainly will be of interest for those who attend the United Association of Equipment Leasing workshop at 3:30pm, Sierra 1, where his topic is:
Lease Company and Portfolio Management
Regardless of the size of your company, there are critical areas of management requiring your attention. Focus on these areas and managing changes is key to success. From sales to accounting, if you are running or preparing to develop a leasing company, attending this session is a must. Own your own portfolio or considering it? This session will be covering the absolutes' necessary to avoid fatal pitfalls and to maximize your profits !
NetBank Business Finance Telephone: 1-800-669-0222.
Officer Stock Holdings, July 19, 2006
Article By PERALTE PAUL bank for sale?
The Atlanta Journal-Constitution
Financial Statement for the Quarterly Period Ended June 30, 2006:
Cartoon---Galloway as the Winner
Jimmy Frank joins Sterling Savings Bank
Long time leasing collector and credit analyst Jimmy Frank has joined Sterling Savings Bank in Portland, Oregon.
"I know you have really helped me with the exposure I got in the past from Leasing News
and you can quote me on that!" he told us after letting us know where he had landed.
" I worked with Jim Merrilees at Pitney Bowes Credit Corporation in Torrance, CA, prior to Colonial Pacific Leasing Corporation (CPLC.) Jim was the one who brought me up to CPLC from Southern California back in 1987 where I started at CPLC as a Region Collection Supervisor. I have a lot of gratitude towards Jim Merrilees...
At CPLC "...I worked in the application only arena with the super brokers under the good old days of Randy Ernst and Jim Merrilees."
He was Credit Analyst at Colonial Pacific Leasing from 1990 to 1999.
Credit Analyst at Advanta Leasing and Textron Financial Corporation from 1999 to 2001.
Credit Analyst and Manager of Broker Services at Allco Leasing & Financial Services from 2001 to 2004.
"I was hired as a Credit Analyst at Sterling Savings Bank in October of 2005 and recently promoted to a Business Banker at Portland Business Banking in October of 2006. As a commercial lender my responsibilities are to originate and underwrite a full range of banking services which include:
· Business Accounts and Treasury Management Services
· Investments
· Business Lines of Credit
· Accounts Receivable & Inventory Financing
· Equipment Financing
· Owner Occupied and Investor Commercial Real Estate Loans
· Business Visa / Mastercharge
· Merchant Visa / Mastercharge
"Please feel free to add whatever comments you deem appropriate. My purpose is to let my former colleagues know where I am at and the transition that I have made into the commercial banking industry.
"Thank you"
Jimmy Frank
Business Banker
Sterling Savings Bank
Portland Business Banking
5933 NE Win Sivers Drive Suite 102
Portland, OR 97220
(503) 262-3867 Direct
(503) 703-6723 Cell
(503) 256-1807 Fax
One thing about Jimmy, he learned as being a collector, be persistent. Second thing he learned in credit analyst, don't be afraid to ask a question, even if it is dumb, such as would we tell his colleagues where he is located today? Certainly!!!
Classified Ads---Help Wanted
Operations Manager
Operations Manager
Coordinates lease process from inception through pay off. 3+ years proven leasing account management exper.
For more info, click here
Sales Representatives
AOL Open Ride: Look Out!
Do not download the new AOL Open Ride. Yes, it looks great, but it runs in the background of your computer, slowing down e-mail, attempting to change your browser settings to AOL, affecting your computer appearance. It also appears to be a spyware program, as information is sent from your computer on a regular basis back to AOL. The spyware program asked for authorization in downloading the program, so it must have passed this blocking program at the time.
I discovered this after the download, went to the task master and saw the AOL program running. I then went to the local connection monitor and saw packets being sent out, although there were no internet programs open.
After removing the program, the local connection monitor recorded no packets being sent out and task master did not show the AOL Open Ride. My work station was back to running at its fast speed.
Now I don't know about the conflicts of the program, but I did see the program running when it was supposed to be off and also saw the packets being sent out.
Kit Menkin
Capital investment slowdown...yet to materialize.
The numbers suggest that the anticipated slowdown in capital investment as a result of rising market interest rates has yet to materialize," said Bill Verhelle, CEO of First American Equipment Finance. "The modest August increase in new lease and loan originations follows a twenty-percent increase last month."
The Equipment Leasing Association /1 (ELA) Monthly Leasing Index (MLI-25) of equipment leasing and finance activity for August shows some stalling of the economy as also evidenced by the National Association of Credit Managers, but the good news first: The new business is up, even if only slightly as noted above, and equipment leasing headcount from the 25 leasing companies is also up.
The good-bad news is while charge offs are up from the previous month, overall they are below the beginning of the year.
Receivables over 90 days also increased slightly to 1.1 percent.
Credit approvals seem to have slowed down.
The participant companies in the MLI-25 represent a broad cross section of the equipment finance sector including small ticket, middle market, large ticket, bank, captive and independent leasing and finance companies. Because the same companies participate in the survey each month, the MLI-25 provides a consistent trend analysis of current industry activity.
The ELA provides a variety of studies, reports, and market analyses covering the $220 billion equipment finance sector. To access this and other industry information, visit the ELA website at
or contact Bill Choi, firstname.lastname@example.com
ELA MLI-25 Participants
ADP Credit Corporation
Amsouth Leasing Corporation
Bank of America Leasing
Bank of the West
Canon Financial Services
Caterpillar Financial Services Corporation
De Lage Landen Financial Services
First American Equipment Finance
GreatAmerica Leasing Corporation
Hitachi Credit America
HP Financial Services
Irwin Financial
John Deere Credit Corporation
Key Equipment Finance
LaSalle National Leasing Corporation
Marlin Leasing Corporation
National City Commercial Corp.
RBS Asset Finance
Siemens Financial Services
US Bancorp Leasing & Financial
US Express Leasing
Verizon Capital Corp/Verizon Credit
Volvo Financial Services
Wells Fargo Equipment Finance
Organized in 1961, the Equipment Leasing Association (ELA) is the premier non-profit association representing companies involved in the dynamic equipment leasing and finance industry to the business community, government and media. As the voice of the leasing industry, ELA promotes the forecasted $220 billion industry as a major source of funds for capital investment in the United States and abroad. For more information on ELA, please visit www.ELAOnline.com.
Fitch Comments on GATX Aircraft Unit Sale
Fitch Ratings- Fitch believes GATX's plan to sell a majority of its aircraft leasing business to a consortium of investors led by Australian banker Macquarie Bank Ltd. will further strengthen the credit profile of the company.
Subject to the agreement with consortium, the air assets include GATX's joint venture investments and total approximately $1.5 billion in net book value, or 21% of GATX's total assets. The sale is expected to result in an after-tax charge in the range of $50 million-$70 million to be taken by GATX in the third quarter. After the required prepayment of air-specific debt and taxes, GATX expects cash proceeds from the sale, assuming all assets contemplated in the transaction are sold, to be approximately $500 million.
Looking ahead, Fitch also believes that GATX will continue to maintain a strong balance sheet through selectively pursuing growth in the railcar segment while maintaining relatively low leverage and significant liquidity.
Fitch has issued an Issuer Default Rating (IDR) of 'BBB-' for GATX Financial and maintains a Positive Outlook.
Tracing its roots to 1898, GATX Financial is a wholly owned subsidiary of GATX. GATX Financial operates through three business segments: GATX Rail, GATX Air, and GATX Specialty Finance. Through these businesses, GATX Financial combines asset knowledge and services, structuring expertise, partnering, and risk capital to provide business solutions to customers and partners worldwide. GATX Financial specializes in railcar, locomotive, and aircraft operating leasing.
Contact: William A Artz +1-312-368-3178, Chicago or Christopher D. Wolfe, +1-202-908-0771, New York.
Media Relations: Kenneth Reed, New York, Tel: +1 212-908-0540.
Fitch's rating definitions and the terms of such ratings are available on the agency's public site, 'www.fitchratings.com'. Published ratings, criteria and methodologies are available from this site, at all times. Fitch's code of conduct, confidentiality, conflicts of interest, affiliate firewall, compliance and other relevant policies and procedures are also available from the 'Code of Conduct' section of this site.
### Press Release ###########################
Main Street Bank Opens Healthcare Division Office
Kingwood, TX Main Street Bank, Kingwood, Texas announces the opening of its Healthcare Division Office in Freehold, New Jersey to serve the healthcare equipment financing industry.
The Healthcare Division Office specializes in providing innovative financial solutions to the healthcare industry. Through its nationwide network of highly experienced, professional Business Development Officers, the division works with vendors and end-users to design customized financing plans to cover the broad spectrum of the equipment financing needs often unique to the healthcare community.
Staffing the office are Kevin Ward, Senior Vice President and General Manager of the Healthcare Division, and Michael Evans as Vice President of Healthcare. Ward and Evans each have over 30 years of experience in the equipment leasing and healthcare industry.
As healthcare equipment financing specialists, we are delighted to be able to locate our headquarters in this area states Kevin Ward, This region is recognized as a leader in healthcare diagnostic and therapeutic protocols with some of the best medical professionals and care facilities in the area.
Having relocated from Ewing, New Jersey, the new Main Street Bank Healthcare Division office is located at 400 West Main Street in Freehold, New Jersey. Ward and Evans can be reached at 732-409-0620 (toll free 877-409-0110) or firstname.lastname@example.com and firstname.lastname@example.com.
Main Street Bank, a FDIC insured commercial bank established in 1984, maintains banking offices in the Houston, Texas market and equipment financing sales offices in cities across the country.
### Press Release ###########################
CIT Provides Legends Gaming Financing for Acquisition of Hotel and Casino Properties
Serves as Administrative Agent, Sole Lead Arranger and Financial Advisor in $222 Million Senior Secured Credit Facility
NEW YORK, -- CIT Group Inc. (NYSE: CIT),
a leading global provider of commercial and consumer finance solutions, today announced that it provided Legends Gaming, LLC financing to complete its acquisition of two Isle of Capri hotel and casino properties in Bossier City, Louisiana and Vicksburg, Mississippi. The purchase of the properties and their conversion to DiamondJacks Casinos represents Legends' first acquisition.
CIT Communications, Media and Entertainment's Gaming unit served as the administrative agent and a Lender on the $222 million senior secured credit facility transaction and CIT Capital Securities LLC, another unit of CIT, acted as sole lead arranger and financial advisor for Legends.
"We have spent the past two years building and augmenting our underwriting and syndication capabilities," said Jim Hudak, Senior Managing Director of CIT Communications, Media and Entertainment. "This deal exemplifies our group's enhanced ability to provide these services and a complete financing package in the specific industries we cover. A testament to our experienced team, we stepped up and worked quickly to pull this complex transaction together, resulting in a success story for both Legendsand CIT."
William J. McEnery, Chairman of Legends Gaming, LLC said, "We are extremely pleased to have worked with CIT, whose expertise in structuring and financing this transaction enabled us to re-enter the gaming sector. We look forward to working with their talented group of professionals in the future as we continue to explore other growth opportunities for our Company. I also want to thank Isle of Capri's management team for providing Legends this opportunity and for their assistance and support throughout the entire acquisition and closing process."
Steve Reedy, Senior Director of CIT Communications, Media and Entertainment - Gaming, said, "Our close working relationship with Legends and our contacts within the industry were key to the successful execution of this transaction. We helped Legends' management team identify the target properties, provided them advisory services, and fully underwrote the debt facility to consummate their acquisition. We were pleased to have served as the administrative agent, sole lead arranger and financial advisor in this transaction and look forward to continuing this relationship."
About Legends Gaming, LLC
Legends Gaming, LLC is a privately held corporation based in Frankfort, IL. Legends Gaming, LLC owns and operates DiamondJacks Casino & Hotel in Vicksburg, MS and DiamondJacks Casino & Resort in Bossier City, LA.
About CIT Communications, Media and Entertainment
CIT Communications, Media and Entertainment has a 20-year history as the market leader in providing financing solutions to middle-market companies in the broadcasting, publishing, cable, gaming, sports, communications, film and entertainment industries. CIT Communications, Media and Entertainment - Gaming has built a reputation of being one of the largest and most knowledgeable lenders across the gaming spectrum.
About CIT
CIT Group Inc. (NYSE: CIT), a leading commercial and consumer finance company, provides clients with financing and leasing products and advisory services. Founded in 1908, CIT has $68 billion in managed assets and possesses the financial resources, industry expertise and product knowledge to serve the needs of clients across approximately 30 industries worldwide. CIT, a Fortune 500 company and a member of the S&P 500 Index, holds leading positions in vendor financing, factoring, equipment and transportation financing, Small Business Administration loans, and asset-based lending.
With its global headquarters in New York City, CIT has more than 7,000 employees in locations throughout North America, Europe, Latin America, and
Asia. http://www.CIT.com .
CacheMatrix White Paper Analyzes Interest Rate Rise and
its Impact on Corporate Treasurers and Banks
Paper reveals increased money fund investment and adoption of cash management technologies among corporate treasurers. CacheMatrix Holdings, LLC, a leading provider of institutional money market fund trading technology to banks, today issued a white paper on the impact that an institutional money market fund yield of greater than five percent and the potential for flattening rates has on corporate treasurers and bank professionals serving the corporate market.
DENVER -- CacheMatrix Holdings, LLC, a leading provider of institutional money market fund trading technology to banks, today issued a white paper on the impact that an institutional money market fund yield of greater than five percent and the potential for flattening rates has on corporate treasurers and bank professionals serving the corporate market.
The paper, entitled, The Five Percent Threshold: Rising Money Fund Yields and Their Impact on Corporate Treasurers and Banks, was written by CacheMatrix Founder and CEO George Hagerman. It provides details on expanding cash positions at corporations and the increasing adoption by corporate treasurers of new technologies including money fund portals that are designed to streamline and automate cash management.
Industry research shows that macroeconomic trends and technological developments are driving rapid change in the institutional banking business, said Hagerman. Corporate treasurers particularly at large corporations are adopting new technologies to research, trade and monitor their money fund investments at a rate that is almost unprecedented.
The report looks at the growing volume of research and survey data on corporate treasurers and their investing strategies. Among the key data points culled from the research:
Treasury Strategies, Inc., released survey data in June 2006 showing that corporate cash and short-term investments in the U.S. continued to grow in 2006, surging 7.5 percent to $5.4 trillion.
The Association of Financial Professionals (AFP) first annual AFP Liquidity Survey found that cash balances at U.S. corporations and businesses reached historically high levels earlier this year, and that most treasurers expected cash positions to maintain their cash positions throughout the year.
The AFP Survey also found that nearly a quarter of organizations surveyed use a portal to execute at least a portion of their short-term investment transactions, with one third of large companies embracing portal technology.
The Five Percent Threshold: Rising Money Fund Yields and Their Impact on Corporate Treasurers and Banks, call CacheMatrix at (877) 564-0225, or online at
About CacheMatrix Holdings, LLC
CacheMatrix provides a turnkey portal technology enabling banks and other financial services firms to offer its corporate treasury clients one-stop access traders a choice of institutional money market funds and a convenient, single-source platform for managing them, including access to comprehensive analysis, online trading, and account management. For more information,
visit www.cachematrix.com.
McNeely joins AIGCEF
AIG Commercial Equipment Finance, Inc. (AIGCEF) is pleased to announce that Tim McNeely has joined the company as Vice President- New Business Development reporting to Kirk Phillips, Vice President. Mr. McNeely comes to AIGCEF with over eighteen years experience in the financial services industry. Tim spent his last 9 years at GE Commercial Equipment Finance. Prior experiences include over 10 years at Thomas Cook Foreign Exchange, Household Finance, and ITT Consumer Finance. Tim holds a Bachelor of Business Administration in Management & Finance from Mesa State College.
Mr. McNeely will be responsible for the origination of middle market loan and lease transactions sourced on a direct basis with clients in the Western portion of the United States.
Tim will be based in Roseville, CA and can be reached at 916-724-5374 or at email@example.com.
AIG Commercial Equipment Finance, Inc. (AIG CEF) is an equipment lease and finance subsidiary company of American International Group, Inc. (AIG). AIG CEF actively seeks middle and upper-middle market transactions and has platforms specializing in the general equipment, marine, tax exempt, franchise, health care, senior secured, structured and rail markets, building long-term relationships with our business partners. More information on AIGCEF can be found at www.AIGCEF.com
American International Group, Inc. (AIG), world leaders in insurance and financial services, is the leading international insurance organization with operations in more than 130 countries and jurisdictions. AIG companies serve commercial, institutional and individual customers through the most extensive worldwide property-casualty and life insurance networks of any insurer. In addition, AIG companies are leading providers of retirement services, financial services and asset management around the world. AIG's common stock is listed in the U.S. on the New York Stock Exchange and ArcaEx, as well as the stock exchanges in London, Paris, Switzerland and Tokyo.
Sites of Reference:
### Press Release ###########################
News Briefs----
European Central Bank raises rate to 3.25%, hints at another increase
FFE pays an early lease termination fee of approximately $275,000 ,
Bank of NY outlines costs from JP Morgan deal
First Community Bank's parent acquires Colorado group
Tribune Co. Ousts LA Times Publisher
Mortgage Fraud: The Federal Bureau of Investigation estimates that mortgage fraud totaled $1 billion in 2005, up from $429 million in 2004 but still a tiny fraction of the $3 trillion mortgage business
Forbes Richest Americans: Profile
You May have Missed---
Tales of the Citi: Sandy Weil new book
Sports Briefs----
Walter, Raiders shrug off latest round of barbs tossed by Moss
A big game for Eagles, but not because of T.O.
California Nuts Briefs---
Schwarzenegger ethnic comments draw fire, again
Gimme that Wine
Globalization top topic at wine industry symposium
What's so Bad About Sweet Wine?
2006 harvest - reports from Bordeaux, Loire and Rheinhessen
Jim Concannon: An ambassador for wine
Oregon is carving out new AVAs to sell more wine
Wine Prices by vintage
US/International Wine Events
Winery Atlas
Leasing News Wine & Spirits Page
The London International Vintners Exchange (Liv-ex)
is an electronic exchange for fine wine.
Calendar Events This Day
Biscuit Day
China: Moon Festival (or Mid-Autumn Festival)
According to the folk legend this day is the birthday of the earth god T'u-ti Kung. The festival indicates the year's hard work in the fields will soon end with the harvest. People express gratitude to heaven as represented by the moon and to earth as symbolized by the earth god for all good things form the preceding year. Special harvest foods are eaten, especially moon cakes This event is widely recognized throughout the Far East including Taiwan, Korea, Singapore and Hong Kong where it may be called by another festival name.
Egypt: Armed Forces Day.
The Egyptian Army celebrates crossing into Sinai in 1973.
Hunter's Moon
The full moon following Harvest Moon. So called because the moon's light in evening extends day's length for hunters. Moon enters Full Moon phase at 11:13pm.
Ireland: Ivy Day
The anniversary of the death of Irish nationalist leader and Home Rule advocate Charles Stewart Parnell is observed, especially in Ireland, as Ivy Day. A sprig of ivy is worn on the lapel to remember Parnell. James Joyce's short story Ivy Day in the Committee Room: published in the collection titled Dubliners, addresses this event.
Jackie Mayer Rehab Day. Sandusky, Ohio.
Known as Sandusky's favorite daughter, Jacquelyn Jeannie Mayer, Miss America 1963 and stroke survivor since 1980, is honored on October 6, the anniversary of the 1997 renaming of Providence Hospital's rehab and nursing facility as the Jackie Mayer Rehab Center. After seven years of self-directed rehab to regain her speech and mobility, Jackie has been a motivational speaker and tireless advocate on behalf of stroke survivors across the US and Canada.
Korea: Chusok
Gala celebrations by Koreans everywhere.
Lee National Denim Day
Lee Jeans invites companies nationwide to participate by allowing employees to wear denim to work in exchange for a contribution of $5 to the Susan G. Komen Breast Cancer Foundation. Since 1996 this program has raised more than $52 millionand the foundation receives 100 percent of these donations.
National Diversity Day
A day to celebrate and embrace who we are, despite our differences, no matter what race, religion, gender, sexual orientation, age, nationality or disability. A day to reflect on and learn about different cultures and ideologies. www.nationaldiversityday.com
National German-American Day
Celebration of German heritage and contributions German American have made to the building of the nation. A president proclamation has been issued each year since 1987. Annually.
Sukkot Begins at Sundown
Jewish Feast of Tabernacles.
World Smile Day
A day dedicated to good works and good cheer throughout the world. The official them for the days is Do an Act of kindness. Help one person smile. The symbol for the day is the world-famous smiley face icon, created in 1963 by Harvey Ball of Worcester, MA. This icon is now the symbol of happiness and good will. www.worldsmileday.com
The state of Maine has 62 lighthouses
Today's Top Event in History
1867-Frank Sparks, John Reno, and Simeon Reno boarded an Ohio and Mississippi Railroad baggage and express car while it was getting into motion and threw off two safes, one containing $15,000 and the other $30,000, considered the first train robbery. The second safe was recovered. The bandits were arrested, freed on bail, and never tried, although they were later convicted of other crimes. Robbing trains became common.
This Day in American History
1683-The first Mennonites debarked for America on the Concord: 13 German and Dutch families from Krefeld Germany, led by Francis Daniel Pastorius. They were induced to come to American through the generosity of William Penn, who offered them 5,000 acres of land in Pennsylvania and freedom from religious persecution. Their settlement, called Germantown, is now a neighborhood in Philadelphia.
1780-Henry Laurens of Charlestown, SC, president of the Continental Congress from 1777 to 1778, was imprisoned as an enemy agent in the Tower of London. On August 13, 1780, Laurens sailed from Philadelphia, PA, on the brigantine Mercury en route to Holland, where he was to negotiate a loan and treaty. Three weeks later, he was captured by the British off Newfoundland. He threw his papers overboard, but they were recovered and led to the British declaration of ware against Holland. From October 6, 1780 to December 31, 1791, he was imprisoned in the Tower on suspicion of high treason, and was forced to pay for his room, board, and guard. he was released in exchange for the British army leader Lord Cornwallis, who had surrendered to General George Washington at Yorktown, VA. Laurens, with Benjamin Franklin and John Jay, drew up the preliminary treaty of peace with Great Britain on November 30, 1782, to terminate the Revolutionary War.
1825The first giant exhibited as a theatrical attraction was Patrick Magee, Just arrived from Ireland, who went on exhibition on October 26, 1825 at 13 Park Park Exchange, New York City, from 7am until 10 pm. A charge of 25 cents was made to see the giant, conspicuous for the masculine beauty of his form and his surprising strength.
1836-a second early season snowstorm produced 25 inches of wet snow at Auburn, NY and 11 inches at Wilkes-Barre, PA. All the mountains in the northeast were whitened.
All the mountains in the northeastern U.S. were whitened with snow.
1846-George Westinghouse birthdayEngineer and inventor of the air brake for trains, born at Central Bridge, NY. He was the first employer to give his employees paid vacations. Westinghouse died at New York, NY, March 12, 1914.
1848-The S.S. California, 10,1050 tons, left New York City to establish steamboat service to California around Cape Horn. It stopped at Rio de Janeiro, Brazil, Valparaiso, Chile: and Callao and Paita, Peru. On February 28,1949, the ship reached San Francisco, where most of the crew deserted to work the gold fields.
1857-The first chess tournament of importance was held this day to November 10, by the American Chess Congress in New York City under the sponsorship of the New York Chess Club. The victor of the grand Tournament was Paul Charles Morphy, who received the first prize, a silver service consisting of a pitcher, four goblets, and a salver. Murphy was 20 years old and from New Orleans, LA. IN the years 1957-59, he played 95 games, including 68 victories, 14 draws, and 13 losses. He won the Grand Tournament of the First National Chess Association in England and France, held from July 19 to August 22, 1858.
1867-Frank Sparks, John Reno, and Simeon Reno boarded an Ohio and Mississippi Railroad baggage and express car while it was getting into motion and threw off two safes, one containing $15,000 and the other $30,000, considered the first train robbery. The second safe was recovered. The bandits were arrested, freed on bail, and never tried, although they were later convicted of other crimes. Robbing trains became common.
1905-Helen Wills Moody (Roark) birthday, tennis player born at Centerville, CA. Perhaps the greatest American tennis player, Wills Moody won 31 major titles, including Wimbledon eight times and the US championship seven times. From August, 1926, through 1935, she did not lose a Roark match nor even a single set. She led a reclusive life after retiring, but she painted and wrote mystery novels and her autobiography, Died at Carmel, CA, 1998.
1906-Birthday of Janet Gaynor, born Laura Gainor at Philadelphia, PA. She became the first winner of the Academy Award for Best Actress for her cumulative work in two 1927 filmes, Sunrise and seventh Heaven, and for 1928's Street Angel. Gaynor died September 14,1984 in Palm Springs, Ca.
1916 -- Stanley Ellin born Brooklyn, NY. American mystery writer, one of the modern masters of the genre.
Best known for his short stories. Received Edgar Allan Poe Award from the Mystery Writers of America in 1954 (for the short story The House Party), 1956 (short story The Blessington Method) & 1958 (novel The Eighth Circle), & in 1975 he won Le Grand Prix de Littérature Policière for the novel Mirror, Mirror on the Wall.
1917- Fannie Lou Hamer birthday- Afro-American civil rights activist. She led the Mississippi Freedom Democratic Party and risked her life to register voters in Mississippi. She'd became active with the Student Nonviolent Coordinating Committee (SNCC) although she only had a sixth-grade education. The group successfully challenged the various laws that excluded most blacks from voting. It was dangerous as bigoted whites sometimes resorted to violence to keep blacks from exercising their constitutional rights. Fannie Lou Hamer was the youngest of 20 children of a sharecropper family and worked the fields at a very young age. She spent most of her adult life working to improve the economic conditions of blacks in the south. As a newsman, I interviewed her in person, and many times by telephone during the Democratic Convention. Died March 14, 1977.
1917 -- Word "jazz" first used in print. The "Literary Digest" described jazz as music that caused people to, "shake, jump & writhe in ways to suggest a return to the medieval jumping mania."
1926-Babe Ruth hit three homes runs in the fourth game of the World Series against the St. Louis Cardinals. The Yankees won the game, 10-5, but the Cardinals won the Series in seven games.
1927 - The film "The Jazz Singer" starring Al Jolson opened in New York City. It was the first full-length feature film to include spoken dialogue and is regarded as the first "talkie." The film was based on the short story "The Day of Atonement" by Sampson Raphaelson. In reality, The Jazz Singer was not a true talkie. There were only 291 spoken words in the landmark film; however, it was the first to integrate sound and this small amount of dialogue into a story through the Vitaphone disk process; and the first to entertain a large audience. The talking part was mostly singing, and it was Al Jolson who made the flick a success, proving to the critics that an all-talking film could work. (Because he didn't think the pioneer of talkies would be all the rage, George Jessel actually turned down the starring role; as did Eddie Cantor.) A silent version of the film was released to movie theaters who had not yet popped for the $20,000 or so it cost to rewire their venue. The audience was thrilled with Jolson's sound performance as a cantor's son, Jake Rabinowitz, rejecting the world he came from to become a singer of popular music, changing his name to Jack Robin in the process. Although not jazz as we know it, the songs Jolson sang became part of American music culture: Toot Toot Tootsie (Goodbye), Blue Skies, Waiting for the Robert E. Lee and, of course, My Mammy. For those truly with a need to know, Neil Diamond did not audition for Jolson's part when finding out that Jessel had turned it down. Diamond performed in a remake of The Jazz Singer in 1980. As Jolson said, "Wait a minute, wait a minute, you ain't heard nothin' yet!" Maybe, through the wonders of modern technology, we could hear Jolson Diamond together, in concert. That would be the Mammy of all jazz singin'.
"Mammy, how I love you, how I love you, my dear old mammy!"
1930 -- William Faulkner's novel As I Lay Dying is published.
1941 - On Columbia Records, Claude Thornhill and his orchestra recorded "Autumn Serenade".
1941 -a tornado hit Kansas City, MO leaving 4 dead and causing $250,000 damage.
1947 - Bob Weir (Robert Hall) of the Grateful Dead is born in San Francisco.
1948 -In Game 1 of the Fall Classic at Braves Field, Boston manages only two hits, but Johnny Sain beats Bob Feller and the Cleveland Indians, 1-0 . 'Rapid Robert' appears to have pickoff Phil Masi at second but umpire Bill Stewart says safe, and Tommy Holmes follows with a single which scores the game's only run.
1954---Top Hits
Hey There - Rosemary Clooney
I Need You Now - Eddie Fisher
If I Give My Heart to You - Doris Day
I Don't Hurt Anymore - Hank Snow
1955-Billboard reports major Hollywood studios are getting into the rock & roll film biz. Twentieth Century-Fox with "Do Re Mi," starring Fats Domino, Jayne Manfield and Little Richard and another project called "Cool it, Baby." Paramount has "Lonesome Cowboy," with Elvis Presley as the star. (The film is never made.)
1958-Billboard story claims that "payola, that under-the-turntable device whereby record companies win plugs and influence disc jockeys, is fast growing into a monster that may yet destroy its creators. According to key record execs, jockey payola is so widespread that it's no longer possible to measure its effectiveness." There is no mention of Alan Freed, whose career will shortly be killed by payola scandal.
1958-Conway Twitty's "It's Only Make Believe" enters the pop charts at #47. It will be Number One in both the U.S. and U.K.
1959 -The largest crowd ever to attend a major league game, 92,706 fans, watch a nail biter as White Sox hurler Bob Shaw beats Sandy Koufax and the Dodgers, 1-0 in Game 5 of the Fall Classic.
1962- Robert Goulet stepped out of the role of Sir Lancelot after singing/acting the part since 1960. The fabulously successful Broadway musical, Camelot, also starred Richard Burton as King Arthur and Julie Andrews as Queen Guinevere.
1962---Top Hits
Sherry - The 4 Seasons
Monster Mash - Bobby Boris Picket
Let's Dance - Chris Montez
Devil Woman - Marty Robbins
1963- The Dodgers complete a four-game World Series sweep of the Yankees as Sandy Koufax wins his second game, 2-1. Frank Howard leads the offense with a home run and a single and New York's first baseman Joe Pepitone's error (loses a thrown ball in white-shirted crowd) leads to the decisive run in the seventh inning.
1965-- Sandy Koufax declines to pitch the first game of the World Series against the Twins because game is scheduled on Yom Kippur, the most sacred of the Jewish holidays. As the Dodgers†southpaw attended shul and fasted on the Day of Atonement, his teammates loses to Minnesota, 8-2.
1966-- At the age of 20, Jim Palmer becomes the youngest player to pitch shutout in World Series as the young Oriole hurler blanks Sandy Koufax and Dodgers, 6-0. It will be Koufax's last major league appearance.
1966-In San Francisco, several thousand people showed up for Love Pagent in the Panhandle of Golden Gate Park.
1967 -Hippies blocked the intersection of Haight and Ashbury streets to celebrate the "Death of Hip." Another in the series of Digger pageants that played out on the streets of the Haight Ashbury and the City. This one occurred one year to the day from that of the Love Pageant Rally
from The Diggers
1969-For the first time in Beatles history, a George Harrison song gets the A side of a 45. "Something" backed with Lennon and McCartney's "Come Together" will reach Number One next month.
1970---Top Hits
"Cracklin' Rosie," Neil Diamond.#1
Ain't No Mountain High Enough - Diana Ross
Lookin' Out My Back Door/Long as I Can See the Light - Creedence Clearwater Revival
Candida - Dawn
There Must Be More to Love Than This - Jerry Lee Lewis
1973- Rebecca Lobo birthday- U.S. basketball player. RL led her Connecticut University team to a perfect 35-0 record and the NCAA title. While she was winning a Phi Beta Kappa key for herself with a 3.6 grade average She is an outstanding center-forward player for the New York pro women's basketball team. Unfortunately she had to sit out the 1999 season because of an injury. She stand 6'4" and usually weighs about 180.
1973-The Doobie Brothers' "China Grove" peaks at #15 on the singles chart while Paul Simon's "Loves Me Like A Rock" peaks at #2.
1976-Rick Dees and His Cast of Idiots receive a gold record for one of the more bizarre novelty hits of the decade, "Disco Duck." In December, it will become only the fourth single ever to be certified platinum.
1978---Top Hits
Kiss You All Over - Exile
Hopelessly Devoted to You - Olivia Newton-John
Summer Nights - John Travolta & Olivia Newton-John & Cast
Heartbreaker - Dolly Parton
1979-The Eagles' "Heartache Tonight" is released.
1979-Fleetwood Mac's "Tusk" is released.
1979-Van Halen's "Beautiful Girls" peaks at #84 on the singles chart.
1980- In the 163rd game of the season, the Astros beat the Dodgers, 7-1, to capture the National League West division as Houston wins its first title in the franchise's 19-year history. The Dodgers had swept a season-ending three game series with the 'Stros (3-2, 2-1, and 4- 3) making the one-game play-off necessary.
1984 - The temperature at Honolulu, Hawaii, reached 94 degrees to establish an all-time record at that location.
1984- David Bowie's "Tonight" album hits #11 on the chart.
1985Pitcher Phil Niekro of the New York Yankees won the 300 th game of his career, shutting out the Toronto Blue Jays, 8-0, on the last day of the regular season. Niekro finished his career in 1987 with 318 wins.
1986---Top Hits
Stuck with You - Huey Lewis & The News
Friends and Lovers - Gloria Loring & Carl Anderson
When I Think of You - Janet Jackson
Always Have Always Will - Janie Frickie
1987 -the heat continued in the west with highs of 85 at Astoria, OR, 102 at Sacramento CA. Temperatures at Tucson reach 101 equaling the all-time October high.
1989 - Temperatures soared into the 90s across southern Texas. Afternoon highs of 93 degrees at Houston, and 96 degrees at Austin and Corpus Christi, were records for the date. Beeville was the hot spot in the nation with an afternoon high of 101 degrees.
1990-Neil Young and Crazy Horse's reunion album "Ragged Glory" LP peaks at #31.
1991 - Elizabeth Taylor married for the 8th time to a construction worker named Larry Fortensky. The wedding was held at Michael Jackson's estate in California.
1991 - University of Oklahoma professor Anita F. Hill, former aide to U.S. Supreme Court nominee Clarence Thomas, testified before a Senate committee that Thomas sexually harassed her, and the allegations nearly undid Thomas' nomination to the High Court.
2000-CSI: Crime Scene Investigations premiers on TV. CBS's consistently torated mystery drama focuses on the Las Vegas Police forensics team lead by preternaturally clam Gil Grissom ( William Petersen). CSI bring science to the foreground with close-u looks at technology and lab techniques. The 100 th episode aired November 18,2004. The show spawned equally successful spin-offs: CSI: Miami and CSI: New York.
2001- With the club's 116th win, the Mariners tie 1906 Cubs as the winningest team in major league history. Bret Boone's 37th home run of the season and the shut out pitching of five Seattle pitchers proves to be the difference in the 1-0 historic wins over the Rangers.
2001- At Camden Yards in front of a full house including Orioles notables Frank Robinson, Jim Palmer and Earl Weaver as well as Commissioner Bud Selig and former President Bill Clinton, Cal Ripken plays his 3,001st and final game. After a hitless night for 41-year-old, the final out of the 5-1 loss to Red Sox is made as Cal watches from the on deck circle.
2003-- Defeating the A's, 5-4, the Red Sox become the seventh team to win the last three games to win a best-of-five playoff series. Other teams to overcome an 0-2 deficit include the 1981 Dodgers (Astros-NLDS),1982 Brewers (Angels-1982), 1984 Padres (Cubs-NLCS), 1995 Mariners (Yankees-ALDS) ,1999 Red Sox (Indians-ALDS), and the 2001 Yankees (A's-ALDS).
2005-- Reds' outfielder Ken Griffey Jr.(.301, 35, 92) and Yankee first baseman/DH Jason Giambi (.271, 32 , 87 ) are voted the Comeback Players of the Year in their respective years. For the first time, the winners of the award are determined by the fans voting on MLB.com.
World Series Champions This Date
1936 New York Yankees
1941 New York Yankees
1947 New York Yankees
1963 Los Angeles Dodgers
Baseball Poem
God Protects Fools with Curveballs
Going after her
Was chasing
A bad pitch,
A sharp curve
That tailed off
Into the dirt,
Evaded the end
Of my whirling bat.
Thank goodness
I only looked stupid
On the first strike.
Tim Peeler, Poet
from Touching the Bases
These come from a soft cover 128 pages
with index published by www.mcfarlandpub.com
He is a unique American poet.
He lives in Hickory, North Carolina
The object is to insert the numbers in the boxes to satisfy only one condition: each row, column and 3x3 box must contain the digits 1 through 9 exactly once. What could be simpler?


text:
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text:
Learn. Plan. Execute.
Get empowered and arm yourself with information by attending our complimentary financial educational retirement seminars. You'll learn strategies on how to make more informed and confident financial decisions, create a lifetime retirement income plan, minimize your taxes, reduce market risk and much more. If you possess at least $500,000 of investable assets, we invite you to join us for our complimentary financial education seminars.
Learn how the highly experienced team at Arlington Capital Management can assist you with a proactive approach to managing your wealth. The best investment you can make might be taking the time to learn about the potential benefits of a proactive wealth management strategy.
Our seminars include topics such as:
- Lifetime Retirement Income Planning
- Advanced Strategies for High Net Worth Families & Individuals
- Pre-Retirement Wealth Accumulation
- Proactive Investment Management
- Social Security
- Medicare
Call now to secure your reservation, or feel free to click on the calendar event below to read a description and RSVP online.
Upcoming Seminars
|May 27, 2019
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|May 29, 2019
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|June 1, 2019
Empowered Investing RadioEmpowered Investing Radio
June 1, 2019 –
Empowered Investing can now be heard live on Chicago's WLS 890 AM!
Listen to Joe LoPresti at 1:00pm on Saturdays as he shares his thoughts about retirement.
You may also listen to a show at your leisure by visiting our archives page.
|June 2, 2019
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|June 4, 2019
Social Security SeminarSocial Security Seminar
June 4, 2019 –
Social Security Seminar
Tuesday, June 4, 2019 6:30 - 8:00 PM
Arlington Capital Management, 21 S. Evergreen Ave Ste 100, Arlington Heights, IL 60005
Do you know your optimal Social Security claiming strategy? There are many options you can use in claiming Social Security retirement benefits. Making the best choices for your circumstances can make a significant difference in the amount of cumulative lifetime benefits you receive. While you may be able to learn about Social Security and make a good decision, you need help to make the best decision for your situation. Common questions include:
The ACM Social Security Seminar is designed to help you make smarter decisions when it comes time to claiming your benefits.
A personalized Social Security strategy can help determine what will pay you the most over a lifetime. We have an in-depth knowledge of the Social Security system to help you optimize Social Security benefits.
Avoid the confusion and fear of Social Security rules and law and develop a plan to optimize your benefits.
|June 5, 2019
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June 8, 2019 –
Empowered Investing can now be heard live on Chicago's WLS 890 AM!
Listen to Joe LoPresti at 1:00pm on Saturdays as he shares his thoughts about retirement.
You may also listen to a show at your leisure by visiting our archives page.
|June 9, 2019
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|June 11, 2019
Lifetime Retirement Income Planning SeminarLifetime Retirement Income Planning Seminar
June 11, 2019 –
Lifetime Retirement Income Planning Seminar
Tuesday, June 11, 2019 6:30 - 8:00 PM
Arlington Capital Management, 21 S. Evergreen Ave Ste 100, Arlington Heights, IL 60005
Incorrect withdrawal strategies or portfolio 'decumulation' can wreck your retirement plans. To combat this the ACM Lifetime Retirement Income Plan uses innovative, algorithm-based software to coordinate all of your moving pieces and provide a tax-efficient withdrawal strategy for your retirement income. Whether you are concerned about increasing income with an optimal withdrawal strategy, minimizing taxes throughout your lifetime, or making sure you don't outlive your money, the ACM Lifetime Retirement Income Plan will help you get more, keep more, and plan for the best retirement you can have.
|June 12, 2019
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|June 15, 2019
Empowered Investing RadioEmpowered Investing Radio
June 15, 2019 –
Empowered Investing can now be heard live on Chicago's WLS 890 AM!
Listen to Joe LoPresti at 1:00pm on Saturdays as he shares his thoughts about retirement.
You may also listen to a show at your leisure by visiting our archives page.
|June 16, 2019
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Empowered Investing RadioEmpowered Investing Radio
June 22, 2019 –
Empowered Investing can now be heard live on Chicago's WLS 890 AM!
Listen to Joe LoPresti at 1:00pm on Saturdays as he shares his thoughts about retirement.
You may also listen to a show at your leisure by visiting our archives page.
|June 23, 2019
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|June 28, 2019
|June 29, 2019
Empowered Investing RadioEmpowered Investing Radio
June 29, 2019 –
Empowered Investing can now be heard live on Chicago's WLS 890 AM!
Listen to Joe LoPresti at 1:00pm on Saturdays as he shares his thoughts about retirement.
You may also listen to a show at your leisure by visiting our archives page.
|June 30, 2019
Important Disclosures
Arlington Capital Management, Inc. ("ACM") utilizes a proactive asset allocation strategy ("PAAS") in advising its clients. PAAS combines quantitative-based buy, sell and reallocation indicators, with qualitative research, selecting from US and global securities, in seeking to achieve attractive risk-adjusted returns over a long-term investment horizon. As with any investment strategy, ACM has in the past, and may in the future, modify the investment approach and portfolio parameters of PAAS in any manner which it believes is consistent with the strategy's overall investment objective. In that light, the following material modifications were made to PAAS: in February 2009 (creation of Universe Trend and Cash Comparison Indicators for trend analysis), June 2009 (creation of Long-Term Momentum Indicator for trend analysis), September 2009 (expanded Asset Class Ranking System and started PAAS computerized testing), December 2009 (creation of Global Indicator Set for buy and sell signals), April 2010 (inception of PAAS Computer Model), October 2010 (implementation of Tactical Indicators and Signals for short term risk management), January 2011 (modify Global Sell Signal with additional criteria including pattern determination), June 2011 (close Global Signals with stop loss criteria), September 2011 (inception of PAAS Long Only Model), May 2012 (modify Global Buy Signal wait period to enhance signal timing), October 2012 (first use of PAAS Stock Model), November 2012 (implement ETF replacement criteria), December 2012 (additional historical data for Cash Comparison Indicators), November 2015 (modify Global Buy Signal with additional criteria), June 2016 (modify Tactical Sell signal criteria), May 2018 (expanded Asset Class Ranking System, Tactical Asset Class Selling, Mini-Buy signal implementation); however, none of these changes modified the objectives or overall investment strategy of PAAS. Rather, as noted previously, ACM made these changes to seek to enhance the manner by which it runs PAAS, and thus each change, individually or in the aggregate, might have impacted the performance of PAAS (either positively or negatively, depending upon the efficacy of the changes(s)) after their implementation. For more information regarding any of these material modifications, please contact ACM at 855-471-5796.
While PAAS currently is ACM's primary growth focused investment strategy, ACM also offers a proactive income strategy. Client portfolios are managed with different weights on PAAS and the proactive income strategy based on each client's desired risk level (e.g., aggressive, moderate, conservative).
The performance returns and investment portfolios shown on this website are those of model portfolios, which are used to illustrate the hypothetical performance of an account managed using PAAS, and do not represent the results of actual trading using client assets. The performance of the model portfolios has been independently examined by Ashland Partners & Company LLP ("Ashland"), a certified public accounting firm, for the following periods: PAAS Managed Model for the periods from August 1, 2010, to December 31, 2016; PAAS Managed ETF Model for the periods from October 1, 2012, to December 31, 2016; PAAS Managed Stock Model for the periods from October 1, 2012, to December 31, 2016; PAAS Managed Long Only Model for the periods from September 1, 2011, to December 31, 2016. A copy of Ashland's opinion letter is available on request.
The performance of the model portfolios shown reflects the assumptions, views and analytical methods utilized by ACM. Hypothetical or model performance results have certain inherent limitations. Unlike actual performance results, model performance results do not represent actual trading and the results may have under- or over-compensated for the impact, if any, of certain market factors, such as market disruptions, lack of liquidity and the effect of interest rates. There can be no assurance that ACM will take positions for client accounts similar to those taken in the model portfolios. No representation is being made that any client account will or is likely to achieve profits or losses similar to those of the model portfolios shown. There frequently are sharp differences between the hypothetical or model performance results and the results subsequently achieved by any particular trading or investment program. ACM clients have had investment results that have been better or worse than the performance results of the model portfolios shown. The performance results of the model portfolios assume a starting value of $500,000 at model inception, and are shown net of fees and expenses (i.e., an assumed annual investment management fee of 1.50% and brokerage commission applied as follows: Prior to January 1, 2013, transaction prices used are net of commissions; after January 1, 2013 gross transaction prices are used and a $10 commission is assessed per portfolio transaction), and reflect the reinvestment of dividends and other earnings. The model fee of 1.5% is ACM's highest published asset-based fee, and it is charged to clients with a minimum portfolio size of $500,000. ACM does provide management services to clients with portfolios ranging from $250,000 to $500,000. These clients are charged a fixed annual fee of $7,500, which ranges between 1.5% and 3% of their managed assets. Clients with less than $500,000 to invest should be aware that the fees they pay will be greater than those deducted from the model portfolio, and that the performance shown would be less if the fixed fee were to be deducted. ACM's standard fee rates are available: (i) upon request; (ii) on ACM's website; and (iii) in Part 2 of its Form ADV. The model performance results shown reflect the purchase and sale of securities using the price of block trade execution at ACM's primary custodian. Past performance is not a guarantee of future results.
Any index information presented was included for comparative purposes, to show general market trends during the periods indicated, and is not intended to imply that any model portfolio is similar to the index (or indices) shown either in composition or element of risk. The MSCI All Country World Total Return Index is a broad index composed of stocks from the US, Developed International and Emerging International markets. It is shown for comparative purposes because it represents the areas that PAAS considers for inclusion in the model, however, it should be noted that at any given time, the PAAS model will include securities from a narrow subset of these areas.
The information presented should not be considered a recommendation to purchase or sell any particular security. There can be no assurance that any securities discussed will remain in model or client portfolios or if sold will not be repurchased. The securities listed for each model represent all portfolio holdings in that model as of the date shown. No list itself includes all securities recommended by ACM as of the date indicated or in the preceding 12 months. Some accounts managed in accordance with a particular ACM strategy may hold different securities than those listed. This is generally due to client imposed account restrictions, mandates, substitutions, liquidity requirements and/or legacy holdings, among other things. The listed securities were not selected for inclusion in this report on the basis of performance. It should not be assumed that any of the securities discussed have been or will be profitable, or that recommendations made in the future will be profitable or will equal the performance of the securities discussed. The examples of specific investments are included merely to illustrate the PAAS investment process and investment strategy. Client portfolios may contain a different number of positions than the examples set forth and accordingly the examples are not intended to indicate overall portfolio performance that has been, or may be expected to be, achieved.
No graph, chart, formula or other device can be used to determine which securities to buy or sell, or when to buy or sell them. ACM makes no representation that any graph, chart, formula or other device shown can assist any person in making their own decisions as to which securities to buy or sell or when to buy or sell them.
An investor should consider risk and volatility in addition to performance when making any investment decision. The risk and volatility associated with PAAS may be significantly higher or lower than the risk and volatility of other investment strategies and/or products.
As with any investment strategy, there is potential for profit as well as of loss. All investments involve some level of risk, and PAAS may not be suitable for all investors. This material does not constitute a complete description of ACM's investment services and is intended solely for informational purposes. This material is in no way a solicitation or an offer to buy or sell any securities. This material and any model portfolios contained herein do not consider specific investment objectives, financial situations or the particular needs of any individual investor who may view this report. Investors should seek advice from their advisors regarding the appropriateness of investing in any securities or in accordance with any investment strategy.
All information regarding market or other financial information is obtained from sources that ACM believes to be reliable. ACM makes no representation as to the accuracy or completeness of information or data provided. Individuals that work for ACM and its affiliates may have long or short positions in the securities referenced, or in related investments.
Any projections, market outlooks or estimates presented are forward-looking statements and are based on certain assumptions. Other events which were not taken into account may occur and may significantly affect the returns or performance of the model portfolios shown. Any projections, outlooks or estimates should not be construed to be indicative of actual events which will occur.
For additional information, please contact us via phone at (847) 670-4030, or via email at email@example.com.


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text:
By Curtice Dore. Outdoor Gates. Published at Thursday, February 28th, 2019 - 23:07:38 PM.
Wooden Hoarding- This is a cost-effective fencing that is not only safeguards construction sites but also vacant properties from prying eyes. The reinforced wooden boards are joined with wooden posts set in concrete so that the fencing can withstand enormous pressure so as to deter and protect the intruder.
Chain Link Fencing Chain link fences are classic in both residential and commercial settings. They provide many years of security and privacy. Most chain link fences will have that standard, silver look to them, but they come in a surprisingly wide range of colors, qualities, sizes, and types. Chain link fences are usually coated with galvanized zinc, giving them that silver color, which protects them from rusting. They also come in a variety of gauges and post sizes. The rule of thumb here is the smaller the gauge number, the tougher the fence. Conversely, the wider the post, the stronger it will be. Wide posts are typically used at corners with smaller posts along the runs.
Vinyl Fencing Vinyl fencing is made from polyvinyl chloride (PVC) and has several benefits over other fencing materials. Vinyl fencing is more expensive than its competitors but has incredible longevity and is maintenance-free. It is only limited by a small range of available colors. Most vinyl fences are designed in the picket fence style but are also available in privacy, ranch, and pool fence styles.
Planning Your Fencing Project Another thing to consider in your fence planning is the measurements. Careful measurement is a necessity if you want to purchase the proper quantity of materials and avoid problems during installation. It is always important to check your propertys boundary lines when measuring for fence construction. You do not want to have to make your neighbor upset and have to remove a just installed fence because you did not stay within your property boundaries. Another important item to check during fence measurement and before fence construction is your local ordinances and homeowners association rules. You need to make sure that the fence you build meets all required specifications. The next thing to do is to contact your local utilities and have them come and mark your property. Buried lines and cables must be considered before you begin digging fence posts. If there are lines buried where you planned to build, you will need to adjust your plans and re-measure before purchasing materials.
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Wickes Five Mode Shower Head & Riser Rail Kit - Chrome
Hourly delivery - £9.95
Hourly delivery on 7,000 lines.
Order by 5pm Monday - Saturday to receive your items on the same day in a time slot of your choice.
We deliver 6 days per week.
Next day delivery - from FREE
Next day delivery.
FREE over £75
Order by 5pm to receive your items the next day.
We deliver Monday - Saturday, between 7am and 6pm.
Click & Collect from store within 1 hour - FREE
Simply place your order online and collect from your preferred store in just one hour.
Elegant and versatile chrome-effect finish showerhead and riser rail kit with five spray modes.View product details
Product attributes
- Handle Length:
- 111 mm
- Head Depth:
- 62 mm
- Head Diameter:
- 102 mm
- Hose Length:
- 1500 mm
- Number of Modes:
- 5
- Flow Rate:
- 15 L/min
- Maximum Temperature:
- 60 deg
- Colour:
- Chrome
- Finish:
- Chrome
- Type:
- Handset & Riser Rail Kit
- Years Guaranteed:
- 3
- Brand Name:
- Wickes
Features & benefits
- Fully adjustable bracket ideal for new and replacement installation
- A 5 spray pattern, easy clean showerhead giving a choice of sprays to suit your mood
- Fully adjustable features for height, rotation and angle
- Includes 1500mm double interlock hose
- Compatible with these showers: Mixer shower, Bath Shower Mixer, Electric Shower and Power Shower.
Returns & Refunds
If you want to return your Wickes product for an exchange or refund, you can do so at any time up to 30 days after receiving it.
Faulty or damaged products
In the unlikely event that a delivered product (including made-to-measure items) is faulty or damaged, we will exchange it or provide you with a full refund (including delivery charges), as long as we are notified of the product's fault within 30 days of it being delivered to you.
You can arrange for the product to be collected, by ourselves or nominated carrier, or return the product to your local Wickes store, with proof of purchase.
Products not required
You can return Wickes products you do not require for a refund.
If you cancel your order within 7 days following the date of delivery, we will give you a full refund including delivery charges.
If you advise us of your proposed return within 30 days (but more than 7 days) following the date of delivery we will give you a full refund excluding delivery charges.
Made-to-measure products
Made-to-measure products may NOT be returned unless they are deemed to be faulty or have been damaged in transit.
Please select your preferred delivery option at checkout.
Our Click & Collect service allows you to order online and then collect from your local store.
Click and collect orders can be made at any time on the Wickes website or via our Call Centre between 8am and 8pm Monday to Friday, between 8.30am and 5.30pm on Saturdays and between 10am and 4pm on Sundays by calling 0330 123 4123. Your call will be charged at the same rate as calling a landline, call rates from mobile providers will vary.
If you have paid by PayPal, please bring a copy of your order confirmation (either printed or on your phone), together with a photographic ID, such as a valid driver's licence.
Subject to stock availability, we will aim to ensure that click and collect orders are available for collection from the nominated store within 1 store trading hour of our first email confirming your order number. Please check your selected stores trading hours via our Store Locator as these may vary.
How much will it cost?
Click and Collect - FREE
Order online or telephone and collect your items in just 1 hour


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1-24 of 24
Hostess Jobs in Gurgaon
Sort by:
- Date
- Relevance
Selectica hiring Steward/ Stewardess/ Waiter/GSA/F&B Associate for restaurant 1-6 yrs Delhi NCR, Gurgaon
steward, stewardess, waiter, host, hostess, f&b associate...
INR 1,50,000 - 2,50,000 P.A. Service charge, Incentives,tip...
Posted by Deepshikha Arora , 1 day ago
Marriott 4.6(228 reviews) 2-6 yrs Gurgaon, haryana
Customer service, Hospitality, Operations, Staffing, Monitoring...
Spice Jet Limited 4.0(224 reviews) 0-5 yrs Delhi NCR, Delhi, Faridabad, Greater Noida, Gurgaon, Noida
Cabin Attendant, cabin crew, flight attendant, air hostess, Aviation
Please carry a copy of your updated resume along with a passport and full length Photograph;4,Aurobindo Marg, Near IIT Flyover,;-Experienced ...
Not disclosed
Posted by Recruitment , 18 days ago
Inox Leisure Ltd. 4.1(325 reviews) 4-6 yrs Delhi NCR(Nehru Place), Gurgaon
guest relations, hostess, gre, gra, customer service, f&b executive, f&b sr...
Experience into guest relations/customer service;Candidates based in Delhi NCR only should apply!! ;Good knowledge of Food & Beverage ...
Not disclosed
Posted by Khyati , 24 days ago
WSNE Consulting Pvt Ltd 0-5 yrs Gurgaon
Leadership, Communication Skills, voice based process, Travel, Tourism...
INR 1,00,000 - 4,50,000 P.A. Incentives+ Cabs
Posted by sanya , 6 days ago
BERCOS 0-4 yrs Delhi NCR, Delhi, Ghaziabad, Greater Noida, Gurgaon, Noida
Steward, sr.steward BHM, Guest Service Associate, gsa...
INR 80,000 - 1,75,000 P.A. Performance Bonus ,service Charg...
Posted by Mr.Naim Ahmad Mr. Raj , 7 days ago
Sheetal Creative Consultant 2-6 yrs Bilaspur, Gurgaon
HR Manager, Host/Hostess, HOUSE KEEPING
Impac Services 0-5 yrs Delhi NCR, Gurgaon(Sector-24 Gurgaon)
captive unit, travel process, travel consultant, senior travel consultant...
INR 1,00,000 - 6,00,000 P.A. Cabs+ Incentive
Posted by Garima garg , 1 day ago
Anukrit Global Services Private Limited 0-5 yrs Gurgaon
search engine, customer service, voice, blended process, international bpo,...
INR 1,50,000 - 3,75,000 P.A. Incentives+benefits+cab
Posted by Ashutosh Tiwari , 27 days ago
Onboard HRServices LLP 0-5 yrs Delhi NCR, Gurgaon, Noida
cabin crew activities, airhostess, airhostress, cabin crew incharge, ccic...
INR 3,00,000 - 8,00,000 P.A. PLUS Flying Allowances
Posted by Zarana , 18 days ago
SkilledRich Consultancy 1-6 yrs Hyderabad, Delhi NCR, Gurgaon
sales coordination, quotation, invoice, billing, sales coordinator...
Posted by SIDDHI SANDIP MORE , 7 days ago
Jones Lang LaSalle Property Consultants (India) Pv t. Ltd. 4.3(246 reviews) 2-7 yrs Gurgaon, Noida
front office, reception, Front Office Operations, Front Office Executive...
Co-ordinate with night shift front office executive to ensure details of large parties are received and badges are ready for allocation on ...
Not disclosed
Posted by Roopali Yeole , 6 days ago
SkilledRich Consultancy 0-5 yrs Chennai, Gurgaon, Mumbai Suburbs
travel sales, tourism sales, tourism sales marketing, aviation, air hostess...
Not disclosed
Posted by siddhi more , 28 days ago
CR AVIATION ACADEMY PVT. LTD. 5-8 yrs Gurgaon, Delhi, punjab, haryana
English, Hindi Urgent-Required-for-Cabin-Crew-&-Ground-Staff-In-Aviation
Onboard HRServices LLP 0-5 yrs Gurgaon, Kullu/Manali, Shimla
cabin attendant, cabin crew incharge, cabin crew, senior cabin attendant...
INR 1,00,000 - 5,50,000 P.A. PLUS Flying Allowances
Posted by Zarana , 18 days ago
Marriott 4.6(228 reviews) 2-6 yrs Gurgaon, haryana
Customer service, Hospitality, Operations, Staffing, Monitoring...
Heritage Village Manesar (Unit of SELECT HOLIDAY RESORTS PRIVATE LIMITED) 2-4 yrs Delhi NCR(Manesar), Faridabad, Ghaziabad, Gurgaon
Hotel, hoste, Hostess, guest relation executive, gre executive
Posted by Bhawani Shekhawat , 19 days ago
HR VISION 1-6 yrs Gurgaon
Counselling, councellor, student advisor, sr.counsellor, career advisor...
Posted by mayank bajpai , 15 days ago
GROW4SURE 1-6 yrs Delhi NCR, Mumbai, Gurgaon
steward activities, bar, team member, gre, hostess, continental chef...
We are Urgently looking for staff in Various Departments of Restaurant/ Bar. 1. Captain ...
INR 2,00,000 - 7,00,000 P.A. Service Charge + Incentives
Posted by Jatinder Kohli , 17 days ago
New Talent HR Solution 0-4 yrs Gurgaon(Udyog Vihar)
bpo voice, voice process, calling, tele counsellor, tele caller, outbound...
INR 2,00,000 - 3,50,000 P.A. Attractive salary + Huge incen...
Posted by Anam Sabri , 9 days ago
rr estate 1-3 yrs Delhi NCR, Gurgaon
Business Development, client servicing, paying guest, Hostel Management...
Posted by kumar , 20 days ago
Spice Jet Limited 4.0(224 reviews) 0-5 yrs Delhi NCR, Delhi, Faridabad, Greater Noida, Gurgaon, Noida
Cabin Attendant, cabin crew, flight attendant, air hostess, Aviation
Please carry a copy of your updated resume along with a passport and full length Photograph;4,Aurobindo Marg, Near IIT Flyover,;-Experienced ...
Not disclosed
Posted by HR , 25 days ago
WSNE Consulting Pvt Ltd 0-5 yrs Gurgaon
international bpo, international voice process, excellent comm...
INR 1,00,000 - 4,00,000 P.A. Incentives + Meals + cab
Posted by Vaibhav Gehlot , 10 days ago
DLF Ltd 4.0(186 reviews) 0-4 yrs Gurgaon
food, beverage, Steward, waiter, hostess
INR 1,50,000 - 2,75,000 P.A. service charges extra
Posted by Sumit , 24 days ago
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Cogeco / internet service/ price
I have been a cogeco customer for years but only because my choices are so extremely limited in the town I live in. I used to have a bundle package that included tv and internet. When I needed to change it because it was so expensive, I cancelled the tv portion. After all they have us by the b**ls...who can be without internet these days! Because I unbundled I only save a few dollars a month instead of the difference between their posted online rates. ugh Now my service is so poor, internet is not in the least bit reliable. After riding that out for some time, I went on their website to find out that I am paying almost $25.00 a month more than the posted rate for the exact same service! BTW, yes it's unbundled rate and not new customer, so apples to apples. Of course a loyal customer doesn't get anything except JACKED!!! I would love to cancel, but unfortunately only Bell and wave direct are available where I live and neither of those are any better from what I'm not. HOW DO THEY GET AWAY with this crap? Why aren't they governed so they can't put the screws to us? If you can provide the service for a lesser amount then that's what we should ALL pay. Shame on you! If you fixed your rates imagine the loyalty you would get. How short sighted you are
More Cogeco Complaints & Reviews
- Cogeco - rough business practice [28]
- Cogeco - cindy the lying customer service rep. [3]
- Cogeco - overcharging for change of period billing [1]
- Cogeco Cable - incompetent loading of on demand content [3]
- Cogeco Cable/cable Box - cable services [2]
- Cogeco - unethical behaviour
- Cogeco - home internet [1]
- Cogeco - internet service
- Cogeco - move, connect/disconnect [1]
- Cogeco - cable


text:
it's like he's drilling for oil, lol
Veryyyy hot! Loved it
That's so amazing- what a great day for that fun
She's perfect.?
She is beautiful.
I wouldn't call myself "Big" Antonio if I were you tho. 6 .2 us average
Iris rose, Jay Taylor, Ela Darling and riley are my favorites


text:
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All Cute Memes About Love Cute Love Memes for Him Funny Memes About Love Funny Relationship Memes for Him Guys, relationship are complicated, and sometimes you need to have a good laugh at everything that happens between you and your girlfriend. Women love compliments and hearing this is going to make her blush cherry red. Love quotes for couples are also the same kind of quotes. Really, some funny pics will help you to take an edge off after on a stressful day, laugh at the moments which seem annoying in daily life, just to relax, and make your mood better. In this article, we have listed many cute text message examples for your girlfriend or boyfriend and messages you should never send.
This will save the I Want A Cute Relationship Like This to your account for easy access to it in the future. Love is the beginning of human history. You know you are in a real relationship when your presence and absence both mean something to that person. Minimum 100 words; more is better, no limit. And these tips will surely help. It works best on girls who appear shy and endearing like Audrey Tautou, Kirsten Stewart or Natalie Portman, and may not work as well on a girl who behaves like Angelina Jolie.
But what better way to remind him how much you love him than by using a romantic cute love quotes for your boyfriend? And so, love is the beginning and end of everything. Then you came, and filled everything, every space, every need, even secret dreams I had concealed from myself. And I've trudged that road and carried my load And tried very hard to adjust. Here's a love message from someone who's had some rough relationships, but finally found his dream partner. Some people want lots of money and to rule the world.
I am just a small girl in a big world trying to find someone to love. I am glad I never have to worry about that. You can click the links below to navigate to each appropriate section and get best boyfriend quotes for him. Love is like a friendship caught on fire. Everything a person do in his life is for love. By Karl Fuchs Love poetry should make the recipient feel treasured. It would be cheesy to say that we are made for each other.
By Joanna Fuchs Love poetry often describes the good qualities of the loved one, as this love verse does. I wish you were beside me right now. Love quotes are liked by many people because these are very good way of letting someone know that how much you love them. Let's cherish the good times, learn from the bad, Make the most of the life we share If things get you down, don't worry; don't frown. All you need to do is to read the quotes and single out the perfect one that is closest to your heart. Even if you are not a very romantic person, every person who is in a relationship likes to feel appreciated every now and then. Each year brings contentment so rare; Each year binds us stronger and deeper in love, and my wish is for more years to share! If you were cheese, I would be a mouse so I can nibble you bit by bit.
What started out as liking, soon developed into love. By Karl and Joanna Fuchs Love messages can appreciate a specific quality of the loved one, as this free love poem appreciates unconditional love. Think of that as poll position; a great place to be in a relationship. Even if a girl seems assertive or tough, if she shows some femininity and a little vulnerability, she will be attractive to a lot of dudes. So always take the time to think, Of the hurt that can take place, Whenever a thought is hastily said, To cause someone loss of face. Time seems to move fast whenever we are together. What else can explain how your smile Can make my heartbeat roar, Or how your look slows my breathing, While causing my spirits to soar.
Unless you are truly serious and not just acting on emotion, never send this text. I just want to lay on your chest… 16. Sometimes in a relationship, a person just wants to know that you will care enough about them to fight for them. Every day, every way, come what may. Lol but yes, I am a natuarlly shy girl. He has the ability to make you laugh every time he speaks and whenever you look into his eyes its so hard to turn away. Small Cute Love Sayings for Her and for Him Some people say that romance is dead.
The best thing was finding you. Never forget to tell her how good she looks every day. Use these lines for my boyfriend at the appropriate moment, when your guy does something sweet for you. You can also tuck a few strands of hair behind your ear when you feel awkward. I met you, and now I need nothing. Here are some of the best love quotes for your boyfriend All these love quotes for him are perfect.
You never know if these quotes might apply to you and your current relationship. So this list is stupid and the people who follow it are stupid. And to those people commenting here telling other people to just be yourself, really are you doing them a favor or just making their life worse? You are the best thing that ever happened in my life. I Love Her Meme I Love Memes I Love My Husband Meme If you spend years with your husband, and you are still happy with him, you are a lucky woman! The giving of love is an education in itself — Eleanor Roosevelt. Being in love, I find myself smiling for no reason at all.
A line will form outside her house…. To be your friend was all I ever wanted; to be your lover was all I ever dreamed. When you are looking to put the ball in her court this is a great question. Immature love says, I love you because I need you. Every time I see you I fall in love all over again.


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Kid SpacesTraditional Bedroom, Las Vegas
Beautiful black and beige Paris Bedroom.
Inspiration for a timeless guest carpeted bedroom remodel in Las Vegas with beige walls — Houzz
What Houzzers are commenting on:
001lschmader001 added this to luke roomDec 2, 2015
Colors. Black painted furniture.
stutsman added this to stutsman's ideasJan 31, 2015
black furnitur with khaki walls


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Global turbo compounding systems are used to increase the efficiency of the engines. These systems use a turbine to harness energy from exhaust gas in order to pump air into the engine so as to increase power output in diesel and gas engines. Turbo compounding systems thus help increase power output, improve fuel economy and reduce emissions. Power turbine can be linked with crankshaft by either mechanical or electrical methods. In electrical turbo compounding (ETC) systems, the turbine is connected to a generator where the mechanical energy is converted into electrical energy that can be stored in batteries and used to increase the engine's output through a motor or power ancillaries. ETC systems can be further classified as serial turbo compounding, parallel turbo compounding, and electric assisted turbo compounding systems. Turbo compounding systems are used in motorsport racing engines, heavy vehicle engines, aircraft engines, and gen sets (stationary generator sets). The gen sets are relatively novel application for such systems. Use of fossil fuels for power generation, especially in developing economies, is expected to continue for decades. The global need to reduce CO2 will propel the use of ETC systems in gen sets to provide cleaner and energy efficient solutions. The F1 racing engines are currently using these systems to help power the advanced energy recovery systems. The adoption of turbo compounding system technology in this application is increasing with the technology innovation in electric turbo compounding technology. The electric turbo compounding is estimated to enter into passenger cars and commercial vehicles in future. Hybrid autos are anticipated to easily adopt the technologies as they are equipped with battery and battery traction engine to store the recovered energy from the exhaust waste.
Global Turbo compounding Systems Market Dynamics
The global turbo compounding systems market is expected to be driven by implementation of stringent regulations pertaining to emissions and fuel economy for vehicles in order to reduce CO2 emissions across the globe. Turbo compounding systems help achieve improved efficiency, reduced emissions and an optimum power output. Thus, increasing efforts on the part of automotive companies towards improving efficiency of engines without having to compromise on their power output is another factor that is expected to drive the adoption and growth of global turbo compounding systems market over the forecast period. The increasing electricity demand is also a one of the prominent factors driving global turbo compounding systems market growth.
The turbo compounding systems technology is in its nascent phase and is not extensively commercialized yet. Its use, as of now, is limited to heavy vehicles and motorsport engines. Wide-scale commercialization of turbo compounding systems involves certain technological limitations such as heat recovery and packaging constraints associated with these systems. Besides, the higher cost associated with these systems is another restraining factor for global turbo compounding systems market
Global Turbo compounding Systems Market Segmentation
The global turbo compounding market is segmented on the basis of product type and application. On the basis of product type, the global turbo compounding system market is segmented as
Mechanical turbo compounding systems
Electrical turbo compounding systems
The electric turbo compounding systems have inherent technological benefits over mechanical turbo compounding systems.
On the other hand, based on application, the global turbo compounding systems market is segmented in to following key market segments
Motorsport/ racing engines
Heavy vehicles engine
Global Turbo compounding Systems Market: Regional Outlook
Geographically, the Global turbo compounding systems market can be divided by major regions which include North America, Latin America, Western and Eastern Europe, Asia-Pacific region, Japan, Middle East and Africa. North America and Europe accounted for a major share in the global turbo compounding market due to the technological adoption rate in these regions. The turbo compounding market in Asia-Pacific is projected to grow with fastest rate in near future. The application of these systems in power generation as gen sets is anticipated to drive the market growth in this region.
Global Turbo Compounding Systems Market Players
Some of the major players operating in global turbo compounding systems market include Bowman Power Group, Voith Turbo GmbH & Co KG, Mitec Automotive AG, and others. The companies are channelizing efforts towards research & development so as to make the system more economic. Manufacturers such as John Deere and Caterpillar are currently having turbo compounding systems under development phase.
The research report presents a comprehensive assessment of the market and contains thoughtful insights, facts, historical data, and statistically supported and industry-validated market data. It also contains projections using a suitable set of assumptions and methodologies. The research report provides analysis and information according to categories such as market segments, geographies, types and applications.
The report covers exhaustive analysis on:Market Segments
Market Dynamics
Market Size
Supply & Demand
Current Trends/Issues/Challenges
Competition & Companies involved
Value Chain
Regional analysis includes:
North America
Latin America
Asia Pacific
Western Europe
Eastern Europe
Middle East & Africa
The report is a compilation of first-hand information, qualitative and quantitative assessment by industry analysts, inputs from industry experts, and industry participants across the value chain. The report provides an in-depth analysis of parent market trends, macroeconomic indicators and governing factors, along with market attractiveness within the segments. The report also maps the qualitative impact of various market factors on market segments and various geographies.
Report highlights:
Detailed overview of parent market
Changing market dynamics in the industry
In-depth market segmentation
Historical, current and projected market size in terms of volume and value
Recent industry trends and developments
Competitive landscape
Strategies of key players and products offered
Potential and niche segments, geographical regions exhibiting promising growth
A neutral perspective on market performance
Must-have information for market players to sustain and enhance their market footprint
NOTE - All statements of fact, opinion, or analysis expressed in reports are those of the respective analysts. They do not necessarily reflect formal positions or views of Future Market Insights.