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What Happened to Hillcrest Bank Leasing?
Hillcrest Bank Leasing, Overland Bank, Kansas with 41 branches was closed with a newly-chartered bank subsidiary of NBH Holding Corp., Boston, Massachusetts to assume all deposits October 22, 2010. Dec. 10, 2010 NBH Holding announced it had merged Midwest Bank with Hillcrest Bank.
"NBH Holdings Corp. (NBH) is a bank holding company created to build a leading community bank franchise delivering high quality client service and strong shareholder results. NBH raised in excess of $1.0 billion through the sale of common stock in a private placement in late 2009, making it one of the best-capitalized holding companies in the U.S.
"In 2010, NBH acquired two banks in the Kansas City, MO market: Bank Midwest and Hillcrest Bank. NBH recently added Bank of Choice in Greeley, CO and Community Banks of Colorado in Greenwood Village, CO to the company's current community banking assets. This bank holding company is led by a highly experienced and accomplished management team with a successful track record of operating large and complex financial institutions.
"With Community Banks of Colorado, Bank of Choice, Bank Midwest and Hillcrest Bank, NBH now has 59 locations in the Rocky Mountain region, 78 banking centers in the Midwest and 4 locations in California. Latest includes the 37 Community Banks of Colorado banking centers and the 4 Community Banks of Northern California locations.
"With the acquisition of Community Banks of Colorado, NBH Holdings Corp. now has $6.7 billion in total assets and more than 1,100 associates." http://www.nationalbankholdings.com/ContentDocumentHandler.ashx?documentId=10693
At the time, the leasing division was under the direction of Chuck Cannata, SVP, Commercial Leasing, in putting their company on the funder list reported 125 employees involved primarily in the Southeast marketplace is doing well promising good rates, no "Evergreen" lease options or splitting "Evergreen" lease payments with vendors. (1)
The company did not take broker business. They were heavy into copier leasing. Year-end 2009 the bank wrote off $7.7 million in "Lease financing receivables" and $4.4 million June 30, 2010.
Originally there was a relationship with SunBridge Capital, and on June 27, 2007 there was an announcement that Hillcrest would buy majority interest in SunBridge, primarily in the truck and trailer leasing business, but it fell apart, and new ownership reportedly took over.
Leasing News had several alerts about SunBridge, which eventually forced into involuntary Chapter 11 bankruptcy by three creditors on March 4, 2009. SunBridge closed on March 20, 2009 and filed Chapter 7 on May 21, 2009.
Ironically Commercial Equipment Lease, Eugene, Oregon, was also into truck and trailer leasing as well as the small ticket market place, when their parent bank, LibertyBank was closed by the FDIC on July 30th, 2010 and most assets sold to Home Federal Bank, Nampa, Idaho.
In an interview with Len E. Williams, President/CEO, Home Federal Bank, when asked what was going to happen to Commercial Leasing, he was very complimentary about the management of the leasing company by Jim Johnson, which had been in business for 35 years. In retrospect, he didn't answer the question, as in September Commercial Leasing stopped taking business and all employees were let get except for caretakers of the portfolio.
At the announcement of the closing of Hillcrest Bank. Leasing News called and was told that Chuck Cannata was no longer there, that his right hand Karli (Curtis) Stecklein was now in charge of the department. She refused any interviews and directed us elsewhere.
In up-dating the story, there was no Midwest Bank leasing in operation by the bank, at least operators at various locations, and officers, were not aware, nor was there any listing on the bank website or in Google.
There is a Midwest Leasing, wholly owned subsidiary of Northland Financial, Bismarck, North Dakota. An email to Karlie Stecklein brought a response to contact BNH Holding, and her email noted her title was VP, Commercial Banking at Bank Midwest, N.A.
Chuck Cannata is noted on Linkedin.com, as president of Rx Net, Inc. since May, 2010. He was not available for a comment.
At press time, no officers or public relations spokesman would confirm or deny that the former Hillcrest Bank Leasing was still "active," perhaps just in the role of letting the portfolio wind down or perhaps it was sold; more likely at the time of closing there were more lease financing receivables charged off.
The bank had lost $25.6 million June 30, 2009, year-end 2009 $83.4 million and $69.9 million June 30, 2010 after $53.9 million in construction and land development, $4.4 million in lease receivables, and $3.1 million in property secured by nonfarm nonresidential property.
"Hillcrest’s portfolio was spread across 42 states, and it financed projects for developers who operated in several states. Loans in California, Florida and Arizona — three real estate trouble spots — were part of the bank’s portfolio but limited to 18 percent of loans," then Hillcrest CEO Jeff Wheeler had said."
Real estate construction and land development was the prime downfall of the bank, with such loans for the development of $31.1 million to Quintero Golf & Country Club LLC and Quintero Entrado LLC in Arizona.
At the time the bank closed, the FDIC and Hillcrest Bank, N.A. which was to become Bank Midwest owned by BHNH Holding, entered into a loss-share transaction on $1.15 billion of Hillcrest Bank's assets.
The FDIC estimates that the cost to the Deposit Insurance Fund (DIF) will be $329.7 million
(1) Chuck Cannata to head up Hillcrest Bank’s new commercial leasing program
SBA Loans to Franchises
There has been a lot of flurry on Linkedin.com against the continuation of the Small Business Administration and its loans. Many think the government should not get involved, but on the other side, complain that the present administration is not doing enough for small business.
There also have been many press releases and announcements of leasing companies wanted to do more Franchise leases; many of them with SBA financing, and they would not exist without them. Also many of the loans require additional financing, with lease financing very attractive.
There definitely is a trend that “franchise run” businesses have more success than privately run as they have the franchisor history, experience, expertise, and often backing to make it work.
The SBA was created on July 30, 1953, by President Dwight Eisenhower with the signing of the Small Business Act. Its function was and is to "aid, counsel, assist and protect, insofar as is possible, the interests of small business concerns".
“The Obama Administration has supported the SBA budget. Significant supplemental appropriations for the agency strengthened SBA lending through the American Recovery and Reinvestment Act of 2009 and the Small Business Jobs Act of 2010,” according to Wikipedia.
In this article, there are lists obtained from the SBA on the banks across the United States, how many SBA loans they have made, the dollar amount, and it certainly appears all size banks are involved in SBA loans. (1)
One group that is active is "SBA 504 Loans for Growing Businesses"
"The Small Business Administration 504 Loan Program is a long-term financing tool that promotes economic development within a community. The 504 Program provides small businesses with long-term, fixed-rate financing to acquire major fixed assets such as real estate or machinery and equipment for expansion or renovation. The small business is able to obtain up to 90% financing on these assets."
The list is long here, too. (2)
Perhaps the criticism comes from the recent announcement that the Obama Administration wants to raise the SBA to a cabinet level agency. This article is not meant to be political in nature, and is not aimed at what the SBA does or doesn't do, but to look primarily at the franchise industry SBA loan numbers.
Latest is a 2010 CNNMoney.com:
Franchises with the Highest Failure Rates, 2010:
Here are comments from the CNN writer, from worst to best:
Matco Tools franchise – 36%: “Tool manufacturer and distributor Matco is the riskiest investment on the top-10 “most popular” list, with more than one third of its SBA-backed loans going bad.”
Cold Stone Creamery franchise – 31%: “The product is sweet, but the financials can be bitter. In the last 10 years almost one in three SBA-backed franchisees defaulted on their loan.”
Quiznos franchise – 25%: “One in four franchise owners was unable to make good on their SBA-backed loan. Quiznos recently settled four class-action suits brought by its franchisees, agreeing to pay as much as $100 million to end years of wrangling over its pricing, royalties and fees.”
Curves franchise – 16%: “The overhead costs are pretty low, but the investment can be risky. Curves’ fast expansion goes hand in hand with a relatively high churn rate, and almost 16% of its SBA-backed franchise loans this decade failed.
The UPS Store franchise – 12%: “Seven years ago, they [MBE franchisees who converted] filed suit against UPS, and will finally take their case to trial later this month in Los Angeles. Meanwhile, UPS rolls on, adding new franchisees to its network for an initial fee just shy of $30,000.”
Franchises with the Lowest Failure Rates:
Super 8 franchise – 4%: “Getting into the motel industry is pricey… but it’s also a pretty safe bet. Among the handful of franchise brands… a notable number are hotels and motels. Super 8 has the lowest default rate on this top-10 list, hovering just under 4%.”
Days Inn franchise – 6%: “Days Inn is another member of the Wyndham Hotel Group’s franchise family. Launched in 1970, the chain currently boasts 1,900 hotels throughout 15 countries.”
Subway franchise – 7%: “With fewer than 8% of SBA-backed borrowers defaulting on their loans, Subway has a better track record than similar brands — rival sub shop Blimpie has a 46% loan failure rate, and Quiznos is also well into the double digits.”
Dairy Queen franchise – 8%: “Today, it boasts 5,700 locations around the globe and a single-digit failure rate for its SBA-backed franchise loans, making it one of the safer investments in the food franchise market.”
Dunkin’ Donuts franchise – 8%: “Dunkin’ Donuts’ modest default rate is matched by its corporate sibling, Baskin-Robbins, which had a 10% failure rate for its SBA-backed loans.”
The lists below shows those involved in SBA loans, as well as the 504 approvals, and while a list could not be found for loans to franchises, perhaps the failure list gives an indication of the loans participated with banks and the losses involved
(1) 100 Most active lenders
List of All Banks: 436 pages with SBA loans & gross—link not pdf (would be too large):
(2) 504 Loan Approvals (105 pages)
(3) Failure Rate Franchises (29 pages)
"We are definitely satisfied customers after placing our employment ad in Kit's Leasing News. Although the person we hired hadn't seen the ad, a friend of her's in the leasing industry saw the ad and told her that Dakota was hiring...
(The position was filled and time was left on the ad, so it was changed to a marketing person, which they also were successful in finding. editor.)
"It turned out we not only filled our open position, but were able to find an experienced leasing veteran who just wanted a location change. It worked out well for everyone!"
Mae G. Philpott
"The ad worked great. We hired a Documentation Coordinator that has been out of the industry for almost 3 years as a friend of hers saw our ad on Leasing News. She is now in her 2nd full week.
"We are actually looking to fill 4 sales positions this year so we’ll likely be back again. It feels nice to be managing growth, albeit measured, again.
Andrew Nere, President
""I want to thank you for listing our Business Risk employment position in Leasing News. Through our various postings, we received resumes from over 50 very qualified candidates
""I am very happy to report that the position has been filled..."
Laurie Bakke, President
FDIC Can't Place All Failed Banks
When the various state banking regulatory entities inform the Office of the Comptroller of the Currency (OCC) about a bank undercapitalized, in serious difficulty, and when they are insured by the FDIC, it may take time to find another bank to assume the deposits and help with the assets and share in the disposal of liabilities.
The purpose is to not just rely on the FDIC to bail out the bank with funds that come from the Deposit Insurance Fund (DIF), as well as make the transition to benefit bank customers and depositors.
But the FDIC is not able to find homes for all banks that fail, the last one being Home Savings of America, Little Falls, Minnesota, which was primarily in mortgage loans, with main office in one state and three offices spread out in California.
As of December 31, 2011, Home Savings of America had $434.1 million in total assets and $432.2 million in total deposits. The amount of uninsured deposits will be determined once the FDIC obtains additional information from those customers. The FDIC estimates that the cost to the Deposit Insurance Fund (DIF) will be $38.8 million.
As in other bank failures, the disposal of liabilities and collection of debts is sometimes shared, but most often the FDIC is involved in the disposal, and at times, often having to bid out the debt collection to professional entities and law firms, who purchase low and hope to collect high.
In 2011, the FDIC only had two banks they could not place, seven in 2010, 12 in 2009.
The largest institution to fail without a buyer since 2008 was the $4.16 billion Atlanta-based banker's bank Silverton Bank NA. The FDIC has had to assume more than $1 billion in assets from four other banks that failed without buyers. Georgia had the most amount of banks without buyers — five — followed by four in Utah.
Why I Became a CLP
Rosanne Wilson, CLP, B.P.B.
Fifteen years ago there were only a couple of women who had earned this certification in the industry. Back then, there weren’t a lot of women in the leasing industry, either, as I can remember. I felt a bit ”lonely” at leasing conferences; although there were a few of us---and believe me, we all became very good friends being such a small group.
We all wanted to be the best would could be, and we weren’t going to let a gender thing stop us. I knew that the CLP was the highest certification in the leasing industry. I wanted to be at the top of the pack. I think even then many looked down upon brokers, especially when you weren’t a male.
I want to give a lot of credit to Bob Teichman, CLP, who became the 2009 Leasing Person of the Year, as he continually “pushed me” and encouraged me to “Go for it.”
I became a CLP in 1998 thanks to him, as well as to the encouragement of the United Association of Equipment Leasing (now the National Equipment Finance Association) who were the first to introduce this program.
I had already been in business eight years and the more leases I did, the more I realized there was a lot more to know. Once I opened the CLP Handbook and I was convinced this program was for me. Some chapters I breezed right through, and others I re-read and thought about how this could help me in my business.
After attending the study sessions at a CLP academy being offered at the Colonial Pacific Leasing headquarters in Portland, Oregon, I knew I was beginning to see a new world open up to me.
Thankfully, the CLP mentors and instructors in this business provided me with the vital tutoring I needed to get through the tough parts of the “Body of Knowledge” that is required in order to be ready for the test. I had been warned about the difficulties of the test. I had been told it was a gruesome eight hour exam. I had heard many of my colleagues had failed the first time. Some even had to take the test a third time to pass it.
I personally don’t accept failure in my life and I did not want to let myself down. I studied hard for two months solid and had my mentors go over and over certain segments that I felt weak on and I made the commitment to see this through. I almost bailed out on taking the test at the last minute, but that little voice in my head said “yes you can do it”.
Why did I want to put myself through all of this punishment? Let me tell you why:
It is the most recognized designation in the Leasing industry. The letters CLP gives my Funding Sources more confidence in my abilities and they respect me. They believe I really know what I am doing and they have more confidence in my transactions. They know I have made a commitment to a career in leasing by going the extra mile to be the best. They are more willing to put my deals at the top of the stack instead of the bottom. Really! It opens the doors to have access to some exceptional funding sources. It also allowed me to get elected to the Board of Directors of the National Association of Equipment Leasing Brokers where I became their treasurer for three years. It certainly was a position that required real trust and abilities.
Carrying those three little letters (CLP) after my name on all my business cards and correspondence has given me a vote of confidence by my Vendors and my Lessees. They have told me they feel a real sense of security knowing they are dealing with the best of the breed. They know their transactions are being cared for by a true professional. When I passed my test, I was one of only five women in the United States who were CLPs.
As president this year of the CLP Foundation, I recommend now would be an excellent time for anyone in this business to take that pledge to become a CLP this year.
With the special discount program CLP is offering, there is no reason to wait or put this off. You will be glad you did this. I have gained so much by having my CLP, that this year I was delighted to be able to serve the CLP Foundation on their Board of Directors. I wish to give back to them as a way of thanking them for what they have done for me these past 11 years. I challenge all of you to take that leap.
Previous: Why I Became a CLP
(This ad is a “trade” for the writing of this column. Opinions
contained in the column are those of Mr. Terry Winders, CLP)
#### Press Release #############################
When Gas Prices Go UP, Consumers Lease More…Cars
While gas prices more than doubled in the last two years, car sales increased by 25%, nearly more than any other retail category.
SAN FRANCISCO, Calif. – The latest analysis from the Money Anxiety Index (moneyanxiety.com) shows that higher gas prices do not deter consumers from buying more cars, or from increasing spending in other retail categories. In the last two years, December 2009 to December of 2011, gas prices more than doubled - from a national average of $1.59 to $3.21 per gallon – an increase of 102% according to data from the U.S. Energy Information Administration. During the same time period, auto sales increased by 25.3%, from $52 billion to $65 billion per month according to seasonally adjusted data from U.S. Census Bureau.
But auto sales are not the only major retail category that experienced large increases in sales despite the doubling of the gas prices. The other top retail categories that experienced large increases in sales were: non-store retails, such as online and mail order stores increased their monthly sales by 26.4% in the last two years; building material stores up 18.6%; jewelry stores up 14.1%; restaurants and bars up 12.6%; closing stores up 12.0% and. Of curse, gas stations up 21.1 according to the same data from U.S. Census Bureau.
“Thus far there is no evidence the increase in gasoline prices in the last two years has adversely impacted any major retail category,” said Dan Geller, Ph.D. Chief Research Officer at Money Anxiety Index, “However, this does not mean that at some price point, gasoline price will not have a negative impact on retail sales. What is this price point? Time will tell.”
About Money Anxiety Index
The Money Anxiety Index (MAI) differs from other indices of consumer confidence mainly because its measurement is objective rather than subjective. MAI measures how economic indicators are impacting consumers’ behavior (objective) rather than how consumers say they feel about the economy (subjective), which is the methodology used by survey-based consumer confidence indices.
3 Arrested in $600,000 Credit Card Theft
Fraud Scheme Used Well Know Financial Institutions to Fraudulently Obtain Credit
LOS ANGELES – Three Southland men have been charged in United States District Court on charges of money laundering, bank fraud and identity theft related to a scheme in which they used fraudulently obtained credit cards in the names of real and fictitious individuals and business entities to make unauthorized withdrawals and purchases.
The three defendants who were arrested in February by special agents with IRS-Criminal Investigation and inspectors from the United States Postal Inspection Service pursuant to a criminal complaint filed with the court are:
Johnny Stewart, 49, of Marina Del Rey;
A 26-count indictment returned by a federal grand jury last week charged the three defendants with conspiracy, bank fraud, access device fraud, aggravated identity theft, and money laundering.
Beginning in January of 2011, defendants Johnny Stewart, his brother Clayton Stewart, and Dexter Hardy allegedly contacted Chase Bank USA, Bank of America, and Capital One Bank, and other institutions and requested that credit cards in the names of real and fictitious people be sent to addresses that the individuals controlled. In other instances, the defendants established fictitious business accounts that were paired with the name and other personal profile information of a victim primary cardholder. Once the defendants caused the financial institutions to send the credit cards to the requested addresses, the defendants used the credit cards to make unauthorized withdrawals and purchases. The dollar loss associated with the scheme is estimated at $600,000 at this time.
According to the indictment, defendants Johnny Stewart and Clayton Stewart further created sham business entities for which they opened merchant processing accounts and bank accounts. Through these sham business entity accounts, defendants Johnny Stewart and Clayton Stewart processed fraudulent transactions with credit cards that they had obtained from Chase and further made withdrawals and transfers from those sham business entity accounts. The individual transactions charged in the indictment range from $103 to $6,400.
According to documents filed with the court, Clayton Stewart pleaded guilty to a similar access device fraud scheme and was sentenced in US District Court in February of 2008 to 37 months in federal prison. Clayton Stewart was released from federal custody on September 17, 2010. Search warrant records from the previous scheme uncovered letters from Johnny Stewart to Clayton Stewart on how to commit different types of fraud without being detected by law enforcement. In those letters, Johnny Stewart instructed Clayton Stewart how to conduct bank transactions on the home computer so that Clayton Stewart did not need to go to the bank and risk being detected.
All three defendants are charged in the current scheme with bank fraud conspiracy and one count of access device fraud. Johnny Stewart is additionally charged with five counts of bank fraud, one count of aggravated identity theft, four counts of money laundering, and money laundering conspiracy. Clayton Stewart is additionally charged with three counts of bank fraud, one count of aggravated identity theft, six counts of money laundering, and money laundering conspiracy. Dexter Hardy is additionally charged with four counts of bank fraud.
In conjunction with the indictment, IRS-Criminal Investigation and the US Postal Inspection Service are seeking to forfeit property allegedly obtained with the proceeds of the illegal identity theft scheme and used to facilitate the scheme. The property to be forfeited includes approximately $22,572 in cash and an assortment of computer equipment.
If convicted of the fraud charges alleged in the indictment, the statutory maximum sentence each defendant could receive is 292 years for Johnny Stewart, 252 years for Clayton Stewart, and 160 years for Dexter Hardy.
An indictment contains allegations that a defendant has committed a crime. Every defendant is presumed to be innocent until and unless proven guilty in court.
The investigation in this case is being conducted by the US Postal Inspection Service and IRS-Criminal Investigation.
#### Press Release #############################
Labrador Retriever/German Shepherd Mix
“Shelby is a 6 month old Labrador Retriever/German Shepherd mix female who weighs around 41 pounds. Poor Shelby had a rough start to life, she was brought to the shelter at 5 months old with 3 littermates who were living in a dog run and with little interaction with humans or other dogs. Her littermates have all found homes and she was bit scared without one of them to calm her.
“She is a timid girl and a bit skittish but very sweet and is not aggressive in any way. She is such a lucky girl as she spent some time at Dog Pawz in Leawood socializing with a lot of dogs and becoming more comfortable with humans. She has made such strides and continues to become more comfortable within the house and around people. She learned to play with toys and her foster canine siblings. She is leashed trained and is enjoying going on jogs/runs with her foster mom. She would make a great walking or jogging partner. At this time we think she would do best in a home without young children as she scares easily.
“She does great at the dog park playing with other dogs but does not go too far from her foster mom. She is entertained with the television especially when she hears animals. She is crate trained and housetrained but we will continue to work with her to make sure she doesn't have any accidents.
“We are working on "No" and are trying to master "sit". She is doing fantastic on learning to come inside, go down to the basement and up hardwood floor stairs by following the lead of her canine siblings. She finds comfort in her kennel and loves to lay in it when she is inside. She is such a beautiful, sweet, calm, quiet little pup. Please contact me to find out where and when you can meet this incredible beauty Shelby!”
As HAHS has different adoption locations, please contact Julie by email at HeartAHS@gmail.com or at 816-743-1476 for more information.
The Heart of America Humane Society has adoptions each Saturday at the Petsmart at 115th and Metcalf in Overland Park, the Petco at 135th and Blackbob in Olathe and the Petsmart in the Ward Parkway Shopping Center. Please contact the foster parent DIRECTLY to ask questions about this foster, to obtain additional information about this foster or to confirm this foster's attendance at one of our adoptions.
Heart of America Humane Society, Overland Park, KS
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