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Friday, June 24, 2011
Broker/Funder/Industry Lists |
Features (collection) Long Elusive, Mob Legend Ended Up a Recluse ######## surrounding the article denotes it is a “press release” and was not written by Leasing News nor information verified, but from the source noted. When an article is signed by the writer, it is considered a “by line.” It reflects the opinion and research of the writer. It is considered “bias” as it is the writer’s viewpoint.
[headlines] Classified Ads---Controller (These ads are “free” to those seeking employment
Free Posting for those seeking employment in Leasing: All “free” categories “job wanted” ads: [headlines] Navitas Lease Corp. Not Licensed in California In noting that LEAF Financial Corporation's new company LEAF Commercial Capital, Philadelphia, Pennsylvania, is not a licensed as a Financial Lender in California, neither is Navitas Lease Corporation, Ponte Vedra Beach, Florida, who has started a new broker division being lead by Dwight Galloway, formerly head of LEAF Specialty Finance, Columbia, South Carolina. In the discussion with the California Department of Corporation office, they are active in conducting audits (paid for by the licensee, including mileage of the auditor) and enforcement, stating a company needs to be licensed to conduct business here, especially with other license holders who would also be violating their license to do so. Asked if an application pending would qualify, they said they don't issue "driver learner permits" as does the Department of Motor Vehicles. You need a license. In notifying Dwight Galloway, he responded, "Yes, of course, any entity that has a role 'negotiating' a lease/loan for a CA customer should be licensed. (CA atty's tell us that obviously includes brokers). "Navitas, of which RLC Funding is a division, applied for our/their license well before we joined them. "We are accepting many broker requests and are in the process of signing on broker/lessors. " Asked where to contact him, he replied: “Here is the information. It has been hectic setting up, getting systems and communications all in place, all the while answering the great many calls from interested broker/lessors, most of whom we have known for many years.” Dwight Galloway (Leasing News provides this ad “gratis” as a means [headlines] California Licenses and Checking Them
AdvanceMe, Inc. recently lost a $23.4 million law suit for not being licensed in California, and the new entry here On Deck also does not have a California license, although both were doing loans. In a discussion with founder and chief executive officer Mitch Jacobs, his attorneys said he didn't need one to make loans in California. Neither took an offer for a free consolidation with Tom McCurnin of Barton, Klugman & Oetting, Los Angles whose number one lessor for the lender is" "▪ Get licensed. If lenders are doing personal property loans, then the appropriate licensing agency is the Department of Corporations for a California Financial Lenders License. If the lender is doing a real estate loan it must be arranged by a licensed real estate broker." CALIFORNIA FINANCE LENDERS LAW "In addition to the lending authority provided by the law, the California Finance Lenders Law provides limited brokering authority. A "broker" is defined in the law as "any person engaged in the business of negotiating or performing any act as broker in connection with loans made by a finance lender." Brokers licensed under this law may only broker loans to lenders that hold a California Finance Lenders license." Find out if company is licensed: Cease and Desist Information: License information:
----------------------------------------------------------------- Loan/Lease Statute Up-Date This is a summary and should not be viewed as a legal interpretation or containing all the requirements. Consult an attorney with leasing experience is highly recommended. Most states exempt banks. This is commercial business only. Whether some states mix consumer and commercial loans today is not know, although current court cases are recognizing personal guarantees and proprietorships to fall under some consumer guidelines. Arizona: All “advance fee loan brokers” must register annually with the state. Arizona Revised Statutes, sec. 06-1303-1310 (1996) Alabama: A simple business, vocational, occupation license is required. Alaska: Alaska Small Loan act does not distinguish between consumer and commercial loans, one of the reasons many leasing companies do not do business in this state. Requires a license on transactions under $25,000. Arizona: Requires a state license not difficult to obtain to those who have applied to be on a Leasing News list. Arkansas: All brokers of “a loan of money, a credit card or a line of credit” may not assess or collect an advance fee. In addition, all brokers must register with the Securities Commissioner, post a surety bond of $25.000 and have a net worth of $25,000. Arkansas Code Annotate sec. 23-39-401 (1995) California: No person shall engage in the business of a finance lender or broker without obtaining a license from the Commissioner, unless a bank or conducting true “operating” leases. California Financial Code, Division 9, Chapters 1 and 3 Connecticut: Brokers of “unsecured loans” may not assess or collect an advance fee. Connecticut General Statues, sec. 369-616 (1997) A license to make small loans of under $15,000 is required. This is aimed at “retail buyers” and whether a capital lease or commercial entity is defined is not known at this time. Delaware: License required for commercial lessors for “finance or small loan agencies.” Florida: Brokers of a “loan of money, a credit card, line of credit or related guarantee, enhancement or collateral of any nature” may not assess or collect an advance fee. Florida Statues, Chapter 687.14 (1992) Georgia: A broker of “loans of money, a credit card, a line of credit or related guarantee, enhancement or collateral of any kind or nature” may not assess or collect an advance fee unless such fee is for “actual services necessary to apply for the loan.” Official Code of Georgia Annotated, sec. 7- 7-1 (1992) Idaho: No fee may be collected unless a loan is actually made. Idaho Code, sec. 26-2501 (1992) Illinois: Code , 815 ILCS 175/15-5.03 Under the Act, a ”loan broker” means any person who, in return for a fee from any person, promises to procure a loan for any person or assist any person in procuring a loan from any third party, or who promises to consider whether or not to make a loan to any person. 815ILCS 175/15-5- 15(a) Specifically excluded from the application of the Act, however, are (1) any bank …regulated by any service loans for the Federal National Mortgage Association… (3) any insurance producer or company authorized to do business in [Illinois], (4) any person arranging financing for the sale of the person's product, (note that this exception does not apply to any person selling someone else's product and only applies to “the” person's product, implying the exception is for the owner of the product arranging for financing), (5) any person authorized to conduct business under the Residential Mortgage License Act of 1987 and (6) any person authorized to do business in [Illinois] and regulated by the Department of Financial Institutions or the Office of Banks and Real Estate. “In the event that the Act is violated by the broker, the Secretary of State is empowered by the statute to make investigations and examinations, suspend or evoke the broker's approval, subpoena witnesses, compel the production of books and records, order depositions and obtain temporary restraining orders and injunctions against the broker. In the vent that a violate is found, the Secretary of State may impose a fine in the amount of $10,000 for each violation and the broker shall be liable to any person damaged in the amount of tactual damages plus attorneys fees. This appears as standard language on most states. Iowa: A broker of loans of “money or property” may not assess or collect an advance fee except for a “bona fide third-party fee” and a broker must obtain a bond or establish a trust account and file required documents with the Commissioner or Insurance. Iowa Code, sec. 535C (1992) Kentucky: Brokers of “a loan of money, a credit card, a line of credit or related guarantee, enhancement or collateral of any kind or nature” may not assess or collect an advance fee. Kentucky Revised Statutes Annotated, sec. 367.380 (1992) Louisiana: A broker of loans of “money or property…whether such agreement is styled as a loan, a lease or otherwise” must obtain a surety bond or establish a trust account in the amount of $25,000. A broker may not collect an advance fee but may collect an “advance expense deposit for commercial loans” only for actual expenses incurred in obtaining the loan. Louisiana Revised Statutes Annotated, sec. 9:3574 (1993); Louisiana Revised Statutes Annotated, Sec. 51:1910 (1992) Personal Property Lessor License required. Minnesota: Regulated Loans License. No person “shall engage in the business” of making loans not exceeding $100,000 without first obtaining license from Commerce Division. Violation is a misdemeanor and loan is void. This will apply to “capital leases.” Mississippi: A broker or loans of money may not assess or collect an advance fee and can be fined up to $5,000 for each violation. Mississippi Code Annotated, sec. 81-19-17 (1997) A license is required for conditional sales contracts. Missouri: A broker of loans of “money or property” may not assess or collect an advance fee. Missouri Revised Statues, sec. 367 300 (1992) Montana: A person who knowingly engages in the business of a sales finance company in Montana without a license can be punished by a fine of not more than $500 and/or imprisonment of not more than six months. Nebraska: A broker of loans of money may not assess or collect an advance fee. Nebraska Revised Statutes, sec. 45-189 (1993) Installment sales license required except for state banks and trust and loan companies regulated by Nebraska or any other state or chartered by the United States. Nevada: Requires license for each office or other place of business, considers capital lease as loan and “lending.” New Hampshire: Requires small loan license, whether applies to Capital Leasing not known. New Jersey: Brokers of “loans of money” may not assess or collect an advance fee. New Jersey Rev. Statutes, sec. 17:10B (1992) New Mexico: Currently requires Brokers/Lessors to register for Licensing under the New Mexico Mortgage loan Company or Loan Broker Act with the Financial Institutions Division of the State of New Mexico. Banks with Brick and Mortar within the State of New Mexico are exempt. Prior to licensing applicants must submit the Following: New York: Any advance payment or deposit must go into an escrow account until a transaction proceeds. License is required to make business and commercial loans less than $50,000. North Carolina: A broker of “loans of money or property…whether such agreement is styled as a loan, a lease or otherwise” must obtain a surety bond or establish a trust account in the amount of $25,000 and obtain a license. North Carolina General Statutes, sec. 66-106 (1992) Lenders who advance more than $1 million annually, in aggregate, in NC are exempt. North Dakota: Brokers may not accept an advance fee unless the broker is licensed. North Dakota Century Code, 13-04. 1-09.1 (1993) Ohio: Department of Commerce, Division of Financial Institutions (Certificate to engage in the business of a credit services organization in accordance with the provisions of Sections 4712.01 to 4712.14 of the revised code of Ohio, subject to all the provisions thereof and to the regulations of the division.) Ohio Department of Taxation requires a "Vendor's License" under provision 5739.17 of the Revised Code (...is hereby authorized to sell tangible personal property and selected services at the retail location specified below.) This also makes the lessor responsible for all taxes with penalties for not doing so. Ohio: No person shall engage in the business of lending amounts of $5,000 or less without a license. South Carolina: A broker of “a loan of money, a credit card, a line of credit or related guarantee, enhancement or collateral of any kind or nature” may not assess or collect an advance fee. (South Carolina Code Annotated, sec. 34-36-10 91992) A license is required for the “business of lending in the amounts of $7,500 or less” regarding consumers. Has won cases against finance for business involving individual guarantees. Texas: Consult an attorney familiar with Texas finance and lending laws. Vermont: Commercial lenders and sales finance companies must obtain a license. Does not apply to true leases and leases for security (finance leases.) Does apply to Equipment Finance Agreements. Here is a 2006 Equipment Leasing and Finance Association forum list.
[headlines] Filing Shows Marcus Davin was Cobalt Funding
The story was correct that Benchmark Financial Groups, Aliso Viejo, California with many complaints on many web sites, was about to start under a new name. While denied by a spokesman, the actual filing shows the corporate name was MD Capital Partners, Inc. with “Mark Davin” as the serving agent. Marcus Davis is the principal of Benchmark. The complaint that lead to the story appears to have been resolved, so it most likely will not be appearing the Leasing News Bulletin Board complaint. When the check is received and clears the bank will be the resolution. It should be noted that neither Benchmark Financial Group nor MD Capital Partners appear to be licensed under the California Finance Lenders Law. MD Capital –Cobalt Funding fictitious business name filing: Benchmark Did Not Change its Name
(Leasing News provides this ad as a trade for investigations
[headlines]
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[headlines] Marquette Equipment Finance Quarterly Report
Dorran Sampson, Vice-President, Broker Relations, for Marquette Equipment Finance, wanted to bring attention to "Broker Relations Quarterly." He briefly discusses "...relevant leasing news, industry insight and overcoming obstacles as well as give some examples of the kinds of deals we are funding and looking for." 801 233 6837
Leasing Industry Help Wanted
For information on placing a help wanted ad, please click here: Please see our Job Wanted section for possible new employees. [headlines] Fernando's View A spiritual masterpiece (“The Tree of Life”) and an absorbing documentary (“Page One: Inside the New York Times”) make for a top-flight night at the movies, while DVD watchers will have their choice of sleepers (“Cedar Rapids”), hits (“Unknown”), and classics (“Kiss Me Deadly”).
In theaters:
The Tree of Life (Fox Searchlight Pictures): Terrence Malick, the reclusive and brilliant director of “The New World,” offers another visually astounding, profoundly moving story of spiritual turmoil and redemption with perhaps his most personal work yet. Alternating between a modern-day city and a small Texas neighborhood in the late 1950s, it chronicles a boy’s childhood as he learns about life in strikingly different ways from his loving yet domineering father (Brad Pitt) and gentle mother (Jessica Chastain). As he experiences brushes with joy, anger and tragedy, the film emerges as an impressionist portrait of childhood lost and of deep bonds with nature. Using a fragmented yet lush storytelling style to depict the flow of memories, Malick’s film (one of the year’s very best) makes for challenging but soul-stirring viewing.
Page One: Inside the New York Times (Magnolia Pictures): The collision between the new media and old-fashioned journalism is the subject of this riveting documentary, set mostly inside the cubicles and newsrooms of the New York Times. Given unprecedented access to the legendary newspaper’s behind-the-scenes machinations, director Andrew Rossi takes audiences on an invigorating tour of a media giant in the middle of a particularly hard period. As seasoned writers find themselves struggling to remain relevant and the Times scrambles to avoid being left behind with the rise of YouTube and Facebook, the workings and influences of this particular are analyzed with energy and insight. Packing as much drama as “All the President’s Men,” the movie should fascinate newspapers buffs and casual readers alike.
On DVD:
Cedar Rapids (Fox): Proving that Zach Galifianakis wasn’t the only breakout star in “The Hangover,” Ed Helms gives an inspired performance in this engaging comedy from director Miguel Arteta. Helms plays Tim, a former go-getter who finds himself stuck in his old hometown, selling insurance to cover other people’s dreams while neglecting his own. His naïve worldview is in for a shake-up when he’s assigned to a company convention in Cedar Rapids, Iowa, and becomes friends with Joan (Anne Heche), Zeigler (John C. Reilly) and Wilkes (Isiah Whitlock Jr.), three more experienced salespeople who open his eyes to the world and, maybe, to love, too. Arteta directs the picture with a rowdy and sweet twinkle, helped by hilarious turns by Sigourney Weaver, Stephen Root and Rob Corddry.
Unknown (Warner Bros.): After scoring a box-office hit with the international thriller “Taken” a few years back, Liam Neeson again proves his action-star mantle with this suspenseful drama set in Germany. Neeson stars as Dr. Harris, an American bio-technician whose trip to Berlin takes a most dramatic turn after he’s involved in a car accident and wakes up from a coma with a shaky memory. Suddenly, his wife (January Jones) can’t recognize him, his scientific work is lost, and sinister government agents are on his trail. It’s up to Harris and a cab driver (Diane Kruger) to find out the truth before it’s too late. Directed by Jaume Collet-Sera with punchy action scenes and a strong feeling of atmosphere, this is muscular intrigue reminiscent of the early Hitchcock of “The Lady Vanishes.”
Kiss Me Deadly (Criterion): One of the seminal movies of the 1950s deservedly getting the Criterion treatment, this wildly original 1955 thriller remains as startling as ever. Based on the pulp crime novels of Mickey Spillane, it follows the adventures of Mike Hammer (the underrated Ralph Meeker, at the top of his brutishly charismatic game), a private detective whose vicious behavior often makes him undistinguishable from the criminals he deals with. His latest case, however, may literally be his most explosive to date: It involves tracking down a mysteriously glowing suitcase that’s wanted by both murderous hoodlums and government officials. Can he find this “Pandora’s Box” before the wrong people open it? Directed with wicked inventiveness by Robert Aldrich and featuring an unforgettable supporting cast, this is an unmissable noir classic. [headlines]
### Press Release ############################ ELFA-MLFI-25 Lease Business Up 10% from April, 27% Last Year Washington, DC,— The Equipment Leasing and Finance Association’s (ELFA) Monthly Leasing and Finance Index (MLFI-25), which reports economic activity for the $521 billion equipment finance sector, showed overall new business volume for May was $5.6 billion, up 30 percent from volume of $4.3 billion in the same period in 2010. Compared against April volume, May volume increased by 10 percent. Year to date, new business volume is up 27 percent over last year. (Chart: Leasing News) Credit quality continues to improve. Receivables over 30 days decreased 12 percent to 2.9 percent in May from 3.3 percent in April, and declined by 28 percent compared to the same period in 2010. Charge-offs remained unchanged at 0.8 percent in May from the previous month, and decreased by 51 percent from the same period in 2010. Credit standards remained unchanged in May from the previous month at 76 percent. Sixty-eight percent of participating organizations reported submitting more transactions for approval during the month, an increase from 45 percent in April. Finally, total headcount for equipment finance companies in May decreased two percent and was down one percent year-over-year. Supplemental data shows that the construction and trucking sectors continued to lead the underperforming sectors. Separately, the Equipment Leasing & Finance Foundation's Monthly Confidence Index (MCI-EFI) for June is 52.6, down from the May index of 63.2, indicating industry concerns over the sputtering economic recovery and uncertainties regarding lease accounting changes. For more detailed information on the MCI-EFI visit www.LeaseFoundation.org ELFA President and CEO William G. Sutton, CAE, said: “Directionally, there is good news both in the amount of new business generated during the period and the rebound in credit quality. However, some industry sectors continue to lag, and an atmosphere of uncertainty prevails.” “New business volume improvements continue but in an uneven manner across different industries,” said Harry Kaplun, President, Frost Leasing, located in San Antonio, TX. “This lack of a uniform trend suggests some weakness in the overall recovery. If the recovery can be more universal, the current availability of capital and improving portfolio performance has the equipment finance industry well positioned to serve the future needs of U.S. industry.” About the ELFA’s MLFI-25 The MLFI-25 is a time series that reflects two years of business activity for the 25 companies currently participating in the survey. The latest MLFI-25, including methodology and participants is available below and also at http://www.elfaonline.org/ind/research/MLFI/ MLFI-25 Methodology The ELFA produces the MLFI-25 survey to help member organizations achieve competitive advantage by providing them with leading-edge research and benchmarking information to support strategic business decision making. The MLFI-25 is a barometer of the trends in U.S. capital equipment investment. Five components are included in the survey: new business volume (originations), aging of receivables, charge-offs, credit approval ratios, (approved vs. submitted) and headcount for the equipment finance business. The MLFI-25 measures monthly commercial equipment lease and loan activity as reported by participating ELFA member equipment finance companies representing a cross section of the equipment finance sector, including small ticket, middle-market, large ticket, bank, captive and independent leasing and finance companies. Based on hard survey data, the responses mirror the economic activity of the broader equipment finance sector and current business conditions nationally. ELFA MLFI-25 Participants About the ELFA ELFA is the premier source for statistics and analyses concerning the equipment finance sector. Please visit http://www.elfaonline.org/ind/research/ for additional information. The Equipment Leasing & Finance Foundation is the non-profit affiliate to the Equipment Leasing and Finance Association, providing future-focused research to the equipment finance industry. For more information please visit the website at www.leasefoundation.org
#### Press Release #############################
Equipment Finance Industry Confidence Declines in June
Washington, DC, –- The Equipment Leasing & Finance Foundation (the Foundation) releases the May 2011 Monthly Confidence Index for the Equipment Finance Industry (MCI-EFI) today. Designed to collect leadership data, the index reports a qualitative assessment of both the prevailing business conditions and expectations for the future as reported by key executives from the $521 billion equipment finance sector. Overall, confidence in the equipment finance market is 52.6, down from the May index of 63.2, indicating lingering industry concerns over the sputtering economic recovery and uncertainties in lease accounting changes. When asked about the outlook for the future, survey respondent Thomas Jaschik, President, BB&T Equipment Finance, said, “I expect new business volume will gradually increase over the next two years. However, I do not anticipate volume levels returning to pre-recessionary levels in the near term. Market reaction to potential changes in lease accounting is unknown at this point.” Independent, Large Ticket An executive of a large-ticket Independent is “generally optimistic as capex spending and refinancing have been steady the last six months.” Bank, Middle Ticket “New business volume growth is continuing but it is a fragile trend that could cease. Much of the growth is replacement equipment with some equipment acquisitions for business expansion.” Independent, Small Ticket “We are in a long slow recovery and the small business owner has been most affected by declining home prices and continued weaker demand for their products and services. This has affected the markets we serve. Until some of these factors stabilize and the trend is reversed we will continue to see weak demand for equipment acquisitions.” June 2011 Survey Results: The overall MCI-EFI is 52.6, a decrease from the May index of 63.2. · When asked to assess their business conditions over the next four months, 5.0% of executives responding said they believe business conditions will improve over the next four months, a decrease from 30% in May. 79.5% of respondents believe business conditions will remain the same over the next four months, an increase from 70% in May. 15.4% of executives believe business conditions will worsen. 12.8% of survey respondents believe demand for leases and loans to fund capital expenditures (capex) will increase over the next four months, a decrease from 22% in May. 77% believe demand will “remain the same” during the same four-month time period, a slight decrease from 78% the previous month. 10% believe demand will decline. 23% of executives expect more access to capital to fund equipment acquisitions over the next four months, down from 44% in May. 77% of survey respondents indicate they expect the “same” access to capital to fund business, up from 56% the previous month. In the last seven months’ surveys, no one responded that they expect “less” access to capital. When asked, 33.3% of the executives reported they expect to hire more employees over the next four months, down from 41% in May. 53.8% expect no change in headcount over the next four months, an increase from 52% last month, while 12.8% expect fewer employees, an increase from 7.0% in May. 66.7% of the leadership evaluates the current U.S. economy as “fair,” down from 93% who did in May. 33.3% rate it as “poor,” up from 7.0% last month. Five percent of survey respondents believe that U.S. economic conditions will get “better” over the next six months, down from 30% in May. 82% of survey respondents indicate they believe the U.S. economy will “stay the same” over the next six months, up from 63% in May. 12.8% responded that they believe economic conditions in the U.S. will worsen over the next six months, up from 7.0% who believed so last month. In June, 28% of respondents indicate they believe their company will increase spending on business development activities during the next six months, down from 37% in May. 69% believe there will be “no change” in business development spending, up from 56% last month, and 2.6% believe there will be a decrease in spending, down from 7.0% who believed so last month. Depending on the market segment they represent, executives have differing points of view on the current and future outlook for the industry. The Equipment Leasing & Finance Foundation is a 501c3 non-profit organization that provides vision for the equipment leasing and finance industry through future-focused information and research. Primarily funded through donations, the Foundation is the only organization dedicated to future-oriented, in-depth, independent research for the leasing industry. Visit the Foundation online at http://www.LeaseFoundation.org. #### Press Release ############################# Ecologic Leasing Services Launches Two Subsidiaries Global vendor captive lessors and corporate lessees better served
GREAT FALLS, Virginia, Ecologic Leasing Services, a global provider of outsourcing, software, and capital sourcing services to both equipment lessees and vendor captive lessors, today announced the launch of two subsidiaries, Ecologic Lessee Services and Ecologic Vendor Services. “For the last 11 years, Ecologic has served both lessee clients and captive vendor lessor clients through one company, one management team, and one brand”, explains Michael J. Keeler, CEO. “By creating a distinct subsidiary for each line of business and reorganizing the management, we can sharpen our focus on each client base, listen to their unique needs, and create a more valuable, differentiated, and responsive offering.” Keeler adds, “We will now deliver sales, marketing, and our outsourcing services and global capital sourcing services through each subsidiary. This will allow us to align the expertise of our experienced staff with the specific needs of each type of client. The move will also enable us to capitalize on our common infrastructure, especially the software and global lessor network, while we improve our positioning and messaging and clarify the value proposition for each type of client”. Doug Slais, VP of Client Services for Ecologic Lessee Services and a long-time veteran of the equipment leasing industry, states, “The objective is to create more value by getting closer to our clients and organizing around their needs. This is a great step towards accomplishing this.” More Information: http://www.ecologicleasing.com About Ecologic Leasing Services: ### Press Release ############################### [headlines] Saratoga, California-- Adopt-a-Dog
Bob Catahoula Leopard Dog/Australian Shepherd Mix “Hi! I'm Bob. I'm a 7 yr. old, Catahoula/Australian Shepherd Mix? (also possibly Pointer since I've been seen pointing at birds), neutered male, weigh approx. 40 lbs. and a very healthy guy with great looking teeth. “Catahoula's are not very common in the Western part of the U.S. but very common in southern states like Tennessee, Mississippi and Louisiana where I'm the state dog! I'm current on my vaccines and microchipped. “I'm a sociable guy but need a strong handler. I'm an active, assertive, intelligent dog (true to...Tennessee, Mississippi and Louisiana where I'm the state dog! I'm current on my vaccines and microchipped. “I'm a sociable guy but need a strong handler. I'm an active, assertive, intelligent dog (true to my herding/hunting breed) and need to be in an active home where I'll get lots of attention and outside activity. “I'm an affectionate guy and frequently will jump in my foster mom's lap - Yikes, a 40 lb. lap dog!! I love to run and it's been said that I'm poetry in motion!! I love the outdoors, long walks, the beach, lakes and swimming pools. Fetching a ball is high on my activity list too. Love it thrown way up in the air so I can catch it in my mouth and bring it back to you. I can catch ropes as well and will shake it around and also bring it back to you so you can throw it to me again or play a little tug of war! I also know commands like sit, down and shake. Plus I'm a good car traveler. My house manners are quite good. I'm housebroken, been in a crate but prefer to sleep near your bed or where you decide to put my bed. I'm an excellent watch dog as well. I'm usually fine with other amiable dogs my size or smaller but if they're bigger than me and I don't know them yet, I may get a little uncomfortable. I've not lived with cats and consider them prey. Therefore, I need to be part of an "active" household where someone is home most of the time to interact with me. Id' be fine as the only dog but could also be OK with another amiable dog close to my age and size if we were compatible. My foster home typically has smaller dogs and I'm fine with them but some of them are older and not up to my activity level. My owners also need to be experienced dog owners who know something about my breed with older children (16 and up). “Inactivity would be a major problem for me. Come and meet me soon.” Note: PLEASE read the info at dogbreedinfo.com on my breed to make sure I'm the right dog for your family and lifestyle. More about Bob Bob's Contact Info Adopt-a-Pet by Leasing Co. State/City Adopt a Pet
Major quakes strike in Pacific off Alaska NBC Gives Donald at Trump-sized raise to $160MM
Long Elusive, Mob Legend Ended Up a Recluse
The Huddle
Orchard Supply Hardware to be spun off by Sears
'Judgment in Paris' marked global arrival of California wine Winemakers to blame for rising alcohols in California French wine industry ponders radical shift in marketing strategy Charlottesville to be first East Coast site for wine bloggers' conference
Wine Prices by vintage US/International Wine Events Winery Atlas Leasing News Wine & Spirits Page [headlines] Please send to a colleague---Leasing News is Free This Day in American History 1497-the first European to set foot on the North American continent after the Vikings was John Cabot ( also spelled Cabot, Cabotto, Caboote, Gabote, Calbot, or Talbot), a mariner who was probably born in Genoa, Italy. In 1496, King Henry VII of England granted Cabot a charter to sail west to Asia and set up a spice-trade monopoly. Cabot's ship, a 70-foot caravel called the Matthew, embarked from Briston, England, on May 27, 1497, and arrived on the coast of Newfoundland---or possibly Maine---on June 24. After planting the English and Venetian flags, Cabot and his men spent a few hours exploring the landing site, then returned to their ship.
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