April 9, 2001
Three Leasing Companies Begin Again----
United Association of Equipment Leasing Scottsdale Conference
The Leasing News List Up-Dated
Coda: Menkin Answers Stan Nathanson,"Why Would You Move to Indiana?"
JDR Capital to become "Forway Partners?????"
First of all they are changing their name to Forway Partners, LLC. And yes they were once a great place to work for, we did have barbecues and a $5K bonus and went to the Bahamas.
However, we worked very hard for the bonus and the trip, which was initially suppose to be for a week and was reduced to a 4 day weekend, which we had to pay for our spouse and room if you took your spouse. The year before we missed our goal by a small amount and were not compensated for it. If the owners set a goal and the employees meet it then they should stick to it. It was not a gift it was incentive for us to sell our programs and in turn receive a reward at the end of the year. Unfortunately, when the end of Copelco came - it was a very difficult place to work and the pressure was extreme. As times got worse they reduced commissions on deals so that they would make a better profit. I am an ex-employee and I use to love going to work at JDR,
however, out of the 90% of people who were laid off I'd say 89% would not go back. We all still get together and talk and everyone is so hurt by the way that they treated them in the end. One person actually stopped in for their paycheck and was asked to find a file for them, after they were laid off!!!! Every time they had a lay off they said that it would be the last. There was no notice for anyone to make arrangements, to set up interviews with other companies, to find a way to pay bills! We were laid off at somewhere around 2 in the afternoon and that is when they punched out our time card. They couldn't even pay us until the end of the day! This can be verified with anyone who worked at JDR. The people who were left were told to make it look as though they were a "larger company" whenever they had funders come in. This is fact not hearsay. You would be able to confirm it with the owners if they would take your calls but we all know that they aren't.
Name and Address Withheld
Terminal Marketing to become Milestone Capital, L.L.C.?????
"I have a very good friend that is the President of a very large and
reputable company in Washington, DC who recently received a letter from one
of the "top three" at Terminal Marketing. My friends company had done some
business with Terminal over the years.
"Long story short........I personally had many dealings with the woman who
wrote the letter, Karen Klein, when she was at Terminal years ago and I know
for a fact that she has been with Sandy Schneiderman since the beginning.
Anyway, he read me the letter and it mentions that Terminal has dissolved
but that she (and others) are affiliated with Milestone Capital, L.L.C.
based in Corona Del Mar, CA and she hopes they can "make a seamless
transition" (Direct Quote from the letter)
"Another very interesting point is that I think Milestone was started by a
guy who used to do a lot of business with Terminal and I had heard at least
two years ago that Karen Klein, Ravi (another of the Top Three at Terminal)
and the principal from Milestone had set this company up almost two years
ago to co-mingle transactions with what was happening at Terminal when they
tightened up their belts with credit."
Name With Held
PinnLease to Become "Aloha"
Re: The "reincarnation" of PinnLease - It has been said that one should read
history, or thy will be doomed to repeat it - The largest "Ponzi Sceme" ever
perpetrated was that of Bennett Funding - in the Leasing business - based in
Syracuse, NY. They filed for bankruptcy in 1996, and one of the Bennett
brothers is now in federal prison for more than one decade.
The irony is.... one of their principal dba's was... Aloha Leasing (that
name known to every copier dealer in the US at one time.
And now we have "Aloha Pacific" ?? Also too cute!
Charlie Meaker - Lease Financing, Inc.
Note: We have not added JDR Capital and Terminal Marketing to the Leasing News
List as we do have confirmation they are no longer accepting new business. editor
UAEL SPRING EDUCATION CONFERENCE
IT JUST KEEPS GETTING BETTER
The UAEL Executive Committee along with the UAEL
Standards committee and the Spring Education Conference
Chair tackle the hottest topic in equipment leasing...
ETHICS: How To Take Action!
Rule breakers beware. This general session will define the UAEL Standards of Professional Practice and instruct members and non-members how to take action against violators. You've seen the issues on Kit Menkin's LeasingNews.org, these are the hottest topics and UAEL will give you the solutions.
For further details and to register please visit our website at www.uael.org or contact the UAEL office at (510) 444-9235.
Reminder Rooms are going quickly at the Doubletree Paradise Valley Resort. Call today to make
your reservations at (480) 947-5400.
Joanie Dalton Managing Director
(510) 444-9235 x27 (510) 444-1346 fax www.uael.org joanie~uael.org
Welcome to California Not from Doug Delack
Hey Kit! This is very entertaining, but it wasn't from me. Please post the
Kit - really enjoy your newsletter, especially the "this day in history"
where I always learn something new. You might want to fix the spelling of
"thirty" in your auto signature.
Kimberlee Coleman, Counsel
( Thank you.This is the first time that I used the signature from American Leasing
in the Sunday Sermon. Thank you for pointing out the typo. You are the first
to notice this.
For the last four to six months, I have been sending out a Sunday Sermon, actually including Leasing News readers on it, as I have been sending out one for a long time at American Leasing,where I make my living. The signature is American Leasings, and that was an error, as it should be LeasingNews, a separate entity and incorporated as such. Kit Menkin )
+ + +
Unfortunately Kit, some folks have to criticize others in order to help
themselves feel better and superior.
Keep up the great work on reporting on what is happening as it develops.
We'll just hope that more of your readers learn how to use their delete keys
if something bothers them. Or they do they certainly have the right to
"unscribe" don't they?
Perhaps we should all remember that if we don't have something nice to say,
we shouldn't say anything at all.
Adirondack Leasing Associates Ltd
+ + +
Well written, Kit - thanks...
Have a great week...
+ + +
Here here Kit. It's about time somebody stepped up and attempted to
re-establish some semblance of morality and decency in these insane times.
Good for you!
+ + +
This is a very special week. No other event in our history is as important.
Thanks for standing up!!
Harold E Bailey
+ + +
This Sunday issue was by far the best that I have seen to date. It is time
to move past the negative issues and start a new future for all of us. Life
is just too short to spend all of your time complaining, hating and being
negative. This is a good step in the right direction.
+ + +
I think it is great that you are taking a moral stand and addressing
this. Business Lending can be callous at times but it doesn't mean we have
to be callous people.
+ + +
Thank you not so much for the Sunday Sermon but for the message it contained. We
seem to get caught up with what's wrong with our individual universes and
miss all the things that are good and right. We chase the dollar to the
exclusion of most other things.,.,.,.,very sad. I am thankful for your
little reminder and hopeful that it will get me a little closer to the
really meaningful things in life.
Media Capital Associates,LLC
(800) 836-7753 ext. 104
+ + +
A simple 'Amen', Brother....
BUT THERE ARE THOSE WHO OBJECT TO "SUNDAY SERMON:"
How did I get on your mailing list?
Are you a participant in the weekly publication of "Leasing News"??? If
so, please remove me from other personal mailings regarding religion. I am
only interested in Leasing & Finance materials.
Name With Held
( I suggest that when it appears, on Sunday, as Gerry Oestreich suggest, all you need to do ist delete it, instead of reading it. editor ).
please remove me from your mailing list. thanks.
( we also have received three others who wanted to be removed, most likely
they don't like the Sunday Sermon. editor )
= + +++++ ++++++++++++++++++++++++++++++++++++++++++
( This is also on line at our web site: http://www.leasingnews.org/list.htm
Unicapital (4/2001) founder Robert New dies in plane crash in Aspen, Colorado
( 12/2000 files bk ) *** series of company that may be affected, end of report )
Sanwa-Tokei (4/2001) Major bank/leasing merger on West Coast, as Sanwa Bank
and Tokei merge to become United California Bank.
PinnLease ( 4/2001) PinnFund out of money, closes all offices, including leasing.,
newspaper stories say "Millions of dollars are gone."
(3/2001) PinnLease USA to Fold 47 Nationwide Offices-- $100 Million Fraud,
reads like a tabolid story, perhaps largest fraud in West Coast history.
Orix (4/2001) Orix to "consolidate;" close offices.
( 2/2001) Closes re-discount center, Steve Geller says "goodbye." Geller joins Leasing
News Advisory Board, receives many accolades from readers ( 11/10) First Six Month
Profits up 14% at Orix! ) 11/8 New President at Orix appointed .
(10/2000) "long-term Outlook has been revised from Stable to Negative" Credit
Alliance that it has changed its name to ORIX Financial Services, 9/2000 Japanese
Bank President Commits Suicide (Orix is a 14.7% shareholder in bank having problems ),
(8/2000 closes small ticket vendor division in\ Portland, Oregon, "Business as usual
(in New Jersey and with brokers)," says Steve Geller)
SierraCities (3/31/2001) American Express completes purchase/merger
(3/2001) Sierra Cities-Amex Merger Gets Green Light
(2/2001) offer by American Express for $5.68 per share in cash. We predicted this
last week, naming the company and floor price. American Express active in
equipment leasing, likes what it sees, and Sierra Cities is the vehicle,
not Advanta or others that it has viewed to purchase. (1/2001 VerticalNet Merger falls
apart (1/16/01) Sells Off UK Assets, (7/2000_ 2nd quarter loss, see report
Security Financial, San Jose, CA ( 3/2001) To close San Jose office, ceased application
March,1998, only going to do secured mortgage transaction from San Francisco office.
Center Capital (3/2001) acquired by Webster Bank, Farmington, Conn. Center Capital finances
commercial and industrial equipment through installment sales and leasing programs to customers in all 50 states. The firm employs a staff of 60 and will continue to operate under the Center Capital name.
Safeco, Seattle, Wash. (3/2001) announces they are seeking a buyer for its commercial
credit and leasing subsidiary, Safeco Credit.
CIT (3/2001) Tyco International Ltd. makes offer for about $9.2 billion in cash and stock in a
deal that would allow the manufacturer to finance purchases of its wide array of products. Bermuda Hq, N.H. operation office. ( 2/2001) Closing Atlanta office and others, "freeze" on new broker business.
FlexLeasing ( a subsidiary of Griffin and Associates),Albuquerque, New Mexico
(3/2001 ) closing office, to merge with another company, "announcement soon,"
say Chuck Griffin.
United Capital, Austin Texas ( 3/2001) reports from readers that customer base, leasing deals, being given to "sister company" Spectrum Leasing, same building; United Capital still
not taking new deals, many employees let go, looks dark.
( 1/2001 ½ employees let go, portion of portfolio sold, discounters
not paid, vendors not paid, it is alleged. 1/2001, selling off portfolio, problems
ahead with vendors not paid, brokers not paid, sinking in quicksand 12/2000 no
new deals until after the 1st of year, Steve Dallas trying to hold it together. Dallas says, " We will survive."
Terminal Marketing, NY,NY (3/2001) Brokers report deals not being funded, commissions
not paid, appears out of money.
U.S.Capital, Santa Barbara, Ca. (3/2001) Many brokers, super brokers, discounters left hold
the bag, report they are filing bk
Finova (3/2001) files Chap. 11 as per plan, many disputes, Finova Former CEO May Get $9.3 Million in Severance, says Arizona Republic Newspaper
(3/2001) Dow Jones questions take over plans (2/2001) Finova Bailed Out by
Buffett-Led Group , Berkshire Hathaway and Leucadia National announced that they have entered into an agreement for a $6 billion loan to Finova Capital , however to clear up
creditor issues, will have to file Chapter 7 and hope creditors don't push into Chapter
11, many guess stock manipulations and other "doings" going on. ( 2/2001) downgraded to "C" rating by Fitch "With significant debt maturities due in May 2001 and Leucadia National Corp's $350 million investment withdrawn, Finova's ability to operate as a
going concern faces serious challenges."(1/2001) Deal of Leucadia National to Invest $350 Million in Finova falls apart 1/2001 laid off 90 employees, or about 9 percent of
its workforce, in an ongoing effort to cut costs. The company continues to employ about 300 people in Phoenix and 940 nationwide. (12/2000) out of market place, many problems, raises $250 MM, but not enough ) (11/2000 Announces they will discontinue business, sell units 11/2000 Suspends Dividend 11/2000 Leucadia National to Invest
$350 Million in Finova 11/2000 reports $274 million loss)( 10/2000 Dow Jones notes stock falling and problems at Finova) (10/2000 Dow Jones headlines "Finova Stock Falls As Buyout Hopes Wanes.
Manifest Group-( 3/2001) changes name to U.S. Bancorp - Manifest Funding Services Manifest
Group--( 9/1/2000 purchased by US Bancorp Leasing and Financial, "...a win for all the
parties involved," Brian Bjella. 11/2000 Donald Polfiet leaves and no one knows where
he went. If you know, please tell us.
Preferred Capital ( 3/2001) Rumor close to sell to Capital Werks, and will become
Preferred Leasing, a Capital Werks Company, this month (2/2001) internal memo about
training by company about to take over, supposedly there for several months, "training" employees (01/2000 Mark Seif confirms for sale; will make no further comments (12/2000) Company reportedly on the block "one the block." ( 11/2000). David Murray left 11/7
"didn't like letting his friends go."
LeaseExchange.com (3/2001) Tom Williams to give it a 90 day trial run, also trying
to raise money (2/2001) reported on "auto- pilot" ( 1/2001) Closes Irving office, cuts
Studebaker Worthington Leasing ( 2/2001) sold to State Bancorp
Efinanceworks (2/2001) lays off 27 employees, says will return $150 million to investors,
and is shutting down.
eLease ( 2/2001 )employees Let Go, Prime Street is "History." (12/2000) purchase by
Primestreet (June/July/2000)senior management changes )
Keystone Leasing (2/2001 ) the former management team of K.L.C., Inc. (dba Keystone
Leasing), headed by its co-founder Alan Kaufman, formerly a Unicapital, has formed a
new equipment leasing business, Keystone Equipment Finance based in West Hartford, CT.
Saddleback Financial ( 2/2001) the management team of Orange, CA-based Saddleback Financial,
headed by co-founders Warren Emard and Stuart Kennedy, survives with new investors,
and does not do broker business.
Lyon Credit (2/2001 ) founder John Bowes leaves , the company still is seeking new business,
despite reports to the contrary ( 10/2000 ) operating as United
Capital, a Division of Hudson United Bank, closes Dallas, Texas office (6/2000) closes
Irvine, Calif. office (9/99 Hudson United Bancorp buys Lyon Credit
Bayview Capital ( 2/2001) reports fourth quarter 2000 net loss of $92.5 million ( 12/2000
announces $17 million loss/later does not issue dividend )
U.S. Mellon, San Francisco (2/2001) Brian Madison Leaving, reportedly U.S.Mellon for sale
Dana (2/2001) reports huge 4th quarter loss ( 7/2000 sold off portfolio, active as captive
lessor ) (2/2001 posts a fourth-quarter net loss, eliminates 10,000 jobs ( 7/2000 sold off portfolio, active as captive lessor )
Comstock Leasing (2/2001) files bankruptcy ( 3/2000) Unicapital then Linc purchased
Comstock and discontinued operation this date )
El Camino Leasing, Woodland Hills, California ( 2/2001 ) GATX announces purchase
of portfolio, making ATEL Capital largest independent owned leasing company
in the world (1/2001) ( 1/2001 reportedly winding down, sold portfolio, selling partner relationships, selling off all assets (10/2000 No longer taking broker business 11/2000 struggling to stay in leasing business, according to insider reports
Old Kent (2/2001) Closes door to new broker business
Source Capital, Spokane, Washington, (2/2001) Issues $.22 per share cash dividend, $1 million
net income, 4% decrease from previous year. ( 11/2000 ) ceases accepting broker applications
PLM International (2/2001 )MILPI Acquisition Corp completes cash offer for outstanding stock
Colonial Pacific (2/2001)Colonial Closes former "Tilden Operation" in New York and Anaheim,
rumors floating to surface: GE/CPL will leave small ticket broker marketplace ( 5/2000)
no more re-brokered applications, except from one or two sources, such as Steve Dunham's
Leasing Associates (11/98) purchased by GE Capital )
Linc Capital (2/2000 creditors file for Chapter 7 (9/2000 out of vendor and broker business,
Nasdaq halts stock sales, $13.4 loss last quarter, 10/2000 assets for sale )
Affiliated Corporate Services, Lewisville, Texas (1/2001) Merges with First Commerce Leasing
Advanta Leasing (1/2001 Advanta ceases leasing business announcement 1/2001 Chris
Ciarrocchi says "goodbye" Mortgage Division sold, re-affirms Leasing Division still for sale, former prez now at eOriginals,others let go like Kaye Lee.) (9/2000) for sale.
NationsCredit, Business Leasing Group (1/2001) complaints from brokers regarding getting information for NationsCredit and GrayRock Capital on FMV, payoffs, residuals from
Textron who is servicing the portfolio )(1/29/99) sold to Textron *** Textron does
Saddleback Financial ( 1/2001) Prez. Warren Emard announces "... still in business... We are
still originating business through vendors and directly to lessees. Does not accept broker
First Commercial Capital Corp ( 1/2001 to be acquired by TCF Leasing )
First International Bancorp ( 1/2001 ) to be acquired by UPS Capital First State Bancorp,
Albuquerque, N.M ( 3/2000 sold leasing division-$64 million---)
BSB Leasing ( 1/2001 Don Meyerson bought back the company and they are back in business at
303-329-09227. Official announcement to be made soon. They are notifying brokers to start sending them business again. 12/2000 Don Meyerson says to be "re-born"11/2000 closed to
accepting new business.)
Affinity Leasing, Washington ( 12/2000 to close and concentrate on Financial Pacific biz )
Banc One Leasing ( 12/2000 Lays Off 60, Closes 5 offices )
Bombardier ( 12/2000 reported having leasing problems, not confirmed, company strong in other
divisions, but appears backing out of leasing division )
Capital Associates, Denver, Colorado ( 12/2000 no longer doing business, filing bk? )
Conseco Finance Vendor Service ( 12/2000 purchased by Wells Fargo Leasing).
DVI Capital (12/2000 out of broker )
Finantra (11/2000 will eliminate its commercial finance operations in order to focus on its two
core finance platforms, consumer finance and services and consumer mortgage lending. )
Dennis Horner (12/2000)acquired by Sandy Spring National Bank, a subsidiary of
Olney, MD-based Sandy Spring Bancorp. The Equipment Leasing Company was a unit of
Progress Financial of Blue Bell, PA.
Metwest Leasing, Spokane Wa. (11/2000 is pulling the plug, confirmed by five sources. 9/2000
advising brokers that they have run out of funds so they are unable to fund a
transaction we have there for funding.)
Newcourt ( 8/2000 sold off ) Old Kent Financial ,Grand Rapids, Michigan ( 11/2000 Fifth Third Bank, Cincinnati, Ohio announces acquirement, to close second quarter 2001-Gateway Leasing sold to Old Kent in 1997, small ticket leasing specialists )
Resource Leasing, Herndon, Virginia ( 11/2000 MicroFinancial/Leasecomm acquires major
portion of the assets.)
Signature Leasing, Dublin, California ( 11/2000 no longer in small ticket marketplace; appears
to have closed down ).
Transamerica ( 11/2000 for sale, but no buyers, so taken off marketplace, no longer for sale )
Varilease ( 11/2000 closed down )
Copelco (10/2000 ceases broker business, many complaints in manner turning off faucet 5/2000 sold to Citibank 10/2000 stock down rated/ )
Matsco Financial (10/2000 purchased by Greater Bay Bank )
T&W, Washington (10/2000 filed Chapter 11. Creditors meeting on 12-4-00 Seattle.
Case # 00-10868 US Bankruptcy Court Western District of Wash. 206-553-7545. Debtor
Attorney-Marc Barreca 206-623-7580)
Balboa Capital ( 9/2000 Founder Pat Byrne "...office available any time he wants to use it"
Reported he is no longer "in control" or working "full time" at Balboa, the company he
Liberty Leasing, Des Moines, Iowa ( 10/2000 closed, selling portfolio, owned by Commercial
Federal Bank, Omaha, Nebraska )
Leasing Solutions, San Jose ( bankrupt )(9/2000) Files BK (10/1998 stock loses more than 50% of value in a single day with announcement that auditors were forcing LS to write down the residual values of a small portion of equipment returned for remarketing. After a long
stream of announcements of ongoing negotiations, forbearance periods, the establishment of an internet strategy (yes, the lenders let them use cash for that rather than apply
it against borrowings!)
Bay View Commercial Corporation (Bay View Bank) 9/2000 discontinuing all franchise loan and
Charter Financial ( purchased by Wells Fargo 9/5/2000 )
Onset Capital ( 9/2000 Irwin buys 87% equity )
Republic Leasing, South Carolina 9/27/2000 ( "The expected result will be a sale of Republic Leasing"---Dwight Galloway. 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." )
SFC Capital ( 9/15/2000 purchased by Trinity Capital )
Lease Acceptance Corp---( 7/26/2000 ceases broker business )
New England Capital ( 6/2000 sold to Network Capital Alliance a division of Sovereign Bank.
Sovereign did hire two people who will run a sales office in CT, doing basically the same
deals with the same people as before. Little will change in that aspect.
Prime Capital, Chicago ( 6/2000 closed )
Scripp Financial ( 6/29/2000 ( purchased by US Bancorp )
Metrolease--( 5/2000 reports closing operation, John Blazek at Evergreen Leasing, Hathcock
losing assets, will not confirm nor deny; many serious rumors of serious fraud floating
around the marketplace, including debt to Textron Financial, reported to file bk.)
Phoenix ( 5/2000 both divisions closed )
FMA Financial, California ( 4/2000 reportedly closed to brokers )
USA Capital Leasing ( 5,2000 ) creditors force Chapter 7 ( 4,2000 ) file chapter 11 bk
Fidelity ( 4/2000 acquired by EAB, a wholly owned subsidiary of ABN AMRO Bank N.V.,
headquartered in the Netherlands, raising funds )
NIA National Leasing ( 3/2000 purchased by Lakeland Bancorp )
Franklin Leasing, Des Moines, Iowa--owned by Liberty Bank-- (2/2000)-no longer writing leases ( limited by regulations and leases are for sale ).
Bankvest (1/2000)bankrupt, voluntary (11/99) Orix, smaller banks, creditors file for involuntary bankruptcy against Bankvest (10/99) ceases new business ( 8/99 )Fleet pulls their lines.
Commerce Security ( 9/99 closed to leasing broker program )(11/99 last fundings/ 12/2000
Leasing News gives credit to Ron Wagner as the first to see the quality and margins of
leasing changing, decides to avoid what was to happen in the year 2000 ).
Franchise Mortgage Acceptance Corporation (FMAC) 11/1999 purchased Heller Financial's Commercial Services Unit ( 10/99 purchased by CIT )
Japan Leasing Credit claims ( JLC --6/99 purchased by Orix )
Liberty Leasing ( 6/1999 closed, California company )
Golden Gate Funding ( 2/99) purchased by Westover Financial
Rockford Industries (2/99) sold to American Express
no dates on these changes:
anyone can help us with dates, would be appreciated. editor
American Business Leasing ( gone )
The Bancorp Group, Inc. (Southfield, MI) (Not accepting news business. The BOD of the parent bank is assessing what to do with the leasing subsidiary.....currently servicing portfolio
but not originating. no longer in business )
Imperial Credit Industries (ICII) ( sold portfolio )
Merit Leasing ( gone )
Prime Leasing, Minnesota ( no longer doing business )
***Original Purchases by Date by Unicapital
American Capital Resources 2/98
Boulder Capital Group 2/98
Cauff, Lippman Aviation 2/98
Jacom Computer Services 2/98
Matrix Funding 2/98
Merrimac Financial Associates 2/98
MunicipalCapital Markets Group 2/98
The NSJ Group 2/98
PortfolioFinancial Servicing 2/98 --acquires assets of Unicapital
The Walden Group 2/98
K.L.C., Inc. dba Keystone Leasing 5/98 back in business
Jumbo Jet 7/98
HLC Financial 7/98
Saddleback Financial Corporation 7/98 ---back in business U.S.
Turbine Engine Corp. 7/98
The Myerson Companies dba BSB Leasing 9/98 --- back in business under original owner now: Don
Rabbi, Father, Pastor Kit, (You took care of everyone)
That was a wonderful sermon on this religious Sunday holiday for all faith's, and I enjoyed
it more than going to Friday night services.
I am only puzzeled about one thing. Why the hell would you want to move to Indiana? I have
been to Richmond to visit
Jerry Bishop, and even he lives and commutes to Ohio.
Stan Nathanson <firstname.lastname@example.org>
( I am glad you asked, grasshopper. Why move to Indiana? I put this in for two
reasons,#1, if I were to move there, I would not longer be a Californian?
or a New Yorkers? I spend more time in Santa Clara, rather than Los Gatos,
where I live, so where shall I say I am from. When I go to New Orleans,
most likely I will say from San Francisco, but I live 60 miles south.
I might say San Jose, although that is not correct either, or I might
say Silicon Valley, which is true ( but there are many Silicon Valley's,
When I moved my father into a rest home near by office to visit him often, his room was a 78 year old "live spirt" person, my request for a roommate for my 82 year old father
sufferring from Alzheimers. When I met him, I asked he where he was from? He said, Portsmith, New Hampshire. He then moved to Santa Clara. I asked him how long he had lived here. Without a blink in his eye, he told me 77 years.
He lived in Santa Clara for 77 years, but considered himself from New Hampshire.
So I guess, where you are born, is where you are from, not where you live.
But if I moved to Indiana, would I still be a New Yorker, where I was born, or
would I still be a Californian ( since 1956.) I do know the correct answer
to the question that no one got: if I moved to Indiana, I would be a HOOSIER! ( not an
Indianian, as I suggested, and if you were a Hoosier, you would have caught that.
So where you are from is not a simple question, grasshopper.