Leasing News is a web site that posts information, news, and entertainment for the commercial leasing and finance industry. The News Edition is updated Monday, Wednesday and Friday.
Friday, July 22, 2011
Portland most affordable place to retire
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M&T Bank and IFC Credit Evergreen $1.00 Lease
First, M&T Bank, Buffalo, New York appears they have been holding leases that were being serviced or sold to IFC Credit, now in bankruptcy. Leasing News has been experienced complaints from several of the lessees with various banks, primarily regarding the residual on documents being $1.00 but the banks claiming 10 percent and Fair Market Value on IFC Credit documents. To date, most of the claims that have come to our attention have been settled as the original documents prevail. Whether that is the fault of the documentation or not or how many have not come to our attention is not known.
Readers may not be aware of this but Leasing News receives about five complaints from lessees a week, most of them settled, many of them now automatic Evergreen payments. This is no exception.
Leasing News has been attempting to contact the party to discuss this with, and has made telephone and email attempts. Simply put here is one where IFC Credit Corporation dba FIRSTCORP has on the face of the lease contract Purchase Option: $1.00.
This was sent to the lessee from M&T Bank: “Just a reminder that written notice of termination was to have been sent to IFC not more than 120 days and not less than 90 days prior to the scheduled termination of the lease. If notice was not given, the lease automatically renews on a month-to-month basis until terminated by written notice. IFC will be collecting any additional rentals from renewal as M&T only purchased the normal rental stream."
Evergreen clauses are illegal in New York, and they are illegal if a “consumer” is involved in Illinois, meaning a personal guarantee or proprietorship.
In October, 2008 announced M&T Bank announced they"...will no longer offer equipment lease and finance services for business and professional banking customers. M&T will honor approved applications up to 90 days after the approval date, and existing contracts will continue to be serviced through their expiration.”
Hopefully this incident will not make the Leasing News Complaint Bulletin board and someone at M&T Bank will return emails or telephone calls.
Otherwise the bank is doing well, as they reported their second quarter with financial highlights show net operating income of $289,497,000 with a net income after taxes of $322,358,000 for the second quarter, compared to $206,273,000 the first quarter, or perhaps as important a great growth since the $188,749,000 for the second quarter of 2010. Another event: The press release stated, "Most significantly, M&T completed its acquisition of Wilmington Trust Corporation (“Wilmington Trust”), effective May 16, 2011, including the issuance of 4.7 million common shares."
In addition, "Other actions initiated by M&T during the recent quarter included the purchase from the U.S. Department of the Treasury (“Treasury Department”) and subsequent retirement of $330 million of preferred stock that Wilmington Trust issued pursuant to the Troubled Asset Relief Program (“TARP”), the redemption of $370 million of M&T Series A Preferred Stock issued to the Treasury Department by M&T pursuant to the TARP, and the issuance by M&T of $500 million of fixed rate, perpetual non-cumulative preferred stock to supplement its Tier 1 capital."
You would think they have enough money to provide better customer service as evidenced in the Evergreen Clause
M&T Second Quarter 8-K:
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Free Posting for those seeking employment in Leasing:
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Growth in Deposits, New Lending, Revenue Buoys U.S. Bancorp
US Bancorp, Minneapolis, Minnesota reported net income of $1,203 million for the second quarter of 2011, as well as showing new lending activity of $52.7 billion and a list of very positive numbers.
U.S. Bancorp Chairman, President and Chief Executive Officer Richard K. Davis said, "Our second quarter results clearly illustrate our Company's continuing ability to produce solid, repeatable, and high quality earnings in a challenging environment..."
"As expected, credit quality continued to improve during the second quarter, as evidenced by favorable trends in net charge-offs, nonperforming assets, delinquencies and criticized assets."
“I am especially proud of our Company's performance and, importantly, the many dedicated employees that have faced the challenges presented, navigated the hurdles and continued to produce these exceptional results. I am confident that our strong business model, our adherence to prudent risk policies and our outstanding employee leaders will allow us to continue to invest, innovate, adapt and perform for the benefit of our customers, communities and shareholders."
Leasing News readers ask me if US Bank Manifest will ever return to its "hey day." While not privy to management decisions, there have been many cuts and shifts, including more diversification in employees not working out of Marshal, Minnesota. My guess is it will not go back to the "old days," nor will the small ticket marketplace return to the frenzy of booking leases with no time for serious regard. With the changing economy, internet and wireless communication, all financial industries are changing with more first level decentralization; banking particularly.
Back to answering the question, let's look at the numbers and see what they tell us:
Lease financing continues a downward trend, although only a 1.8% changes from the first quarter, $6,030to $5,919 (billions). Commercial transactions are up overall. Construction and development is down, a category that has had many losses in the past to almost all banks; however, commercial real is up. The drop in credit card business brought retail down below the first quarter, but overall loans were up enough to bypass the drop in covered loans to raise total loans to $198,810.
The difference between the second quarter, 2010 of $22 million in lease financing charge offs to $13 million second quarter of 2011 is quite good, as is the trend since the second quarter of 2010.
All the loss numbers are good, except for an increase, although minor, in nonperforming loans and nonperforming assets, according to the allowance. According to the income side construction and development is down, the major category of banks who have recently failed, but the allowance for the second quarter here is up to $100 million from the previous quarter of $85 million, but better than the 4th quarter of 2010 at $129 million. Overall there has been good improvement, and while some of the categories can be picked over, they should not be as most of this is very positive news.
Here is where the key to the performance improvement in the bank stands out with commercial loans down from second quarter of 2010 of $784 to the second quarter of 2011 of $349. Leasing numbers are also very encouraging down from the previous period of $115 to $43. Overall all the nonperforming loans are down!!!
And solid here, too, showing equity going up from $30,507 to $32,452 and Tier 1 capital 11% with a risk-based capital ratio of 13.9
The 8K Statement notes to the charge noted Wholesale Bank and Commercial up, lower provision for credit losses due to performance, and a guideline that shows positive, even though you might think it does not, "Total noninterest expense increased $24 million (7.9%) over a year ago, primarily due to higher compensation and employee benefits expenses. In rough times, these are cut. In good times, it goes up as an indication of growth and reward for performance.
US Bancorp 8-K:
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NorVergence’s Tom Salzano on Trial in Louisiana
The Louisiana Attorney General and Lake Charles District Attorney appear to be the only ones active in tying up the loose ends of the NorVergence scandal.
Before getting into the Lake Charles, Louisiana case and what is going on today, for new readers, you may not be as familiar with who are the Salzano’s and how NorVergence gave the leasing industry a beating that we still feel the effects today. In addition to the loss of money to the all the creditors, lessees, banks and leasing companies, the bankruptcy of this company perhaps almost single handedly changed "hell and high water" contracts in he United States making vendors and lessors responsible for lack of due diligence, for having the responsibility with the vendor and of the choice of equipment, or in this instance, having knowledge that in this case the service was the dollar amount in the lease not the $500 device for $20,000 to $50,000 telephone lease transactions. When the service ended, the lessees refused to make payments for something not working, and over 10,000 accepted Attorney General settlements ranging from 85% to 95% of what was owed, plus return of insurance, if applicable, and personal property tax. Over $300 million was lost to creditors.
NorVergence was forced into Chapter 11 on June 30, 2004, but was soon converted into a Chapter 7 on July 14, 2004 and assigned to Judge Rosemary Gambardella, U.S. Bankruptcy Court, District of New Jersey. There are over 1100 queries, plus, as other reports are included in various queries.
The last recorded is the dismissal of a claim between Charles M. Forman Trustee of the Estate of NorVergence and defendant Terry Skemmer dated January 31,2011 by the Special Litigation Counsel to the Trustee. What follows are a list of 15 Adversary Case that are closed, with the latest dated July 18, 2011.
4/29/2010 there is quite a list. To sum it up, the Bankruptcy has not been dismissed, and perhaps at that point the financial conclusion will be also final.
The Federal Trade Commission with Senior Attorney Randall H. Brook filed against Thomas N. Salzano and Peter J. Salzano on September 11, 2006 and won a stipulation judgment on October 17, 2007. The FTC won $181.7 million default judgment against NorVergence and the stipulated judgment kept Salzano out of related businesses, following other compliances, and any money up to $50 million was owed to NorVergence lessees. The problem is Salzano didn't own much of anything. The NorVergence BK judge also was seeking money for his wife and son for money allegedly taken from NorVergence to pay personal bills, purchase a house, and a list of other such personal expenditures.
In Louisiana, they didn't sit still. Thomas J. Salzano, the man who pulled the strings at NorVergence a company that allegedly defrauded 11,000 users and $300 million via private label leasing contracts, was indicted in January, 2008 for $100,000 from five Louisiana NorVergence telephone users on multiple counts of money laundering, conspiracy and theft. He spent the night in jail, pled not guilty not guilty in the morning, voluntarily surrendered his passport, plus posted a $75,000 bond and been released from jail.
Calcasieu County District Attorney John DeRosier told KPLC News, "The 11,000 plus victims around the country and the total amount of money that they have lost through this scheme is in excess of $300 million and nobody was doing anything about it. Now, they come to Calcasieu Parish and that's where we draw the line. We're not afraid to go after a complicated case. I think that it is a legitimate case of fraud."
Assistant Attorney General David Caldwell told KPCL other states and the Federal Trade Commission has taken civil action against Salzano but Louisiana is the first to pursue a criminal case."
While the court records of the Louisiana State Attorney General and Lake Charles District Attorney are sealed, Leasing News has learned, "Thomas Salzano has been indicted for felony theft in Lake Charles Louisiana by the Attorney General's Office in conjunction with the local DA. We have been fighting that case in criminal court for over two years. It is currently on remand from the third circuit court of appeals for August 10 of this year. We would be anticipate a trial date by the first of next year.
“We are the ONLY state or federal agency to have followed this through. We had a total of five victims in Louisiana out of 13,000. For the only individual business owner in our state we obtained FULL restitution from LIBERTY bank in an amount over 160k, and in order to do that we filed criminal charges for filing false public records in Shreveport Louisiana. We were the only agency to have obtained those results on behalf of its citizens. We've been busting our butts on this case, have run up against everything you can think of that would delay getting this case done, and we're still fighting. The wheels of justice turn slow, but that's not our fault. I can't make other states or federal agencies fall in line."
It seems most of the other state attorney general were satisfied with the resolution of the lease contracts (for those who took the arrangement), but in Louisiana, they do things differently!
NorVergence Creditors Group:
NorVergence Dismissal of Claims
NorVergence Collection of Articles since 2004:
((Please Click on Bulletin Board to learn more information))
A Case Against HL Leasing, Another Against Leasing Companies
In the alleged Ponzi scheme of HL Leasing, Fresno, California, where John Otto committed suicide rather than face leases sold to investors that were supposedly American Express leases, there is one class action suits against HL Leasing and crew and one in New York against leasing companies who funded leases for John Otto’s company Heritage Leasing.
The first Cotchett, Pitre & McCarthy, Burlingame, California, filed on May 26, 2009 on behalf of two clients Vicken Massoyan and Maggie Anaramian of Fresno, as well as on the behalf of others. The non-jury trial started on July 26, 2011 in Judge Donald S. Black Fresno County Superior Court room where 148 people are on the witness list.
Ara Jabagchourian, principal
Cotchett, Pitre & McCarthy Attorney Ara Jabagchourian pointed out the scheme started over 20 years ago with longtime investors vouching for the company's success to prospective clients. Dan Ramirez who became president in 1993 said in deposition he was basically a salesman, and in fact, lost hundreds of thousands of dollars in the scheme himself. John Otto's wife Kathy Otto is to testify that while the bookkeeping was down out of the house she shared with Otto, she knew nothing about her husband's business.
There are two main blogs created primarily for investors with http://johnottohlleasing.blogspot.com/ having 32 members (many more followers) and 1043 comments. Many of them lost their life savings, their homes, and life has changed dramatically for them with many of them living the life of poverty, as they had everything invested in HL Leasing.
I was asked by a CPA for an opinion on the class action suits almost two years ago, and unfortunately it basically remains true today: " If the president (Dan Ramirez) can prove he put several hundred thousand dollars into the HL Leasing scam and lost it, it will be pretty hard to prove he had knowledge of what was going on.
"He also has the defense all the bookkeeping was done out of Southern California, checks, etc., and from what he knew, he also believed John Otto, or otherwise would have not invested himself personally.
"When all is said and done, if they hire an attorney or get involved in a class action suit, they will be lose whatever pennies are left. The problem is the victims continue to be victims and nothing is being done as the state and federal agencies are overloaded with cases and the greasy wheel gets the oil. There is not collateral, therefore no assets, and the Otto's have their personal belongings in a trust. It is also the point the wife can file BK and not affect her assets, unless the FBI can prove she was involved in "fraud." More than likely, she will make a deal to turn evidence to the officers who were directly involved.
"So then who is guilty, but more importantly, what money do you win? The house is in a trust. Otto killed himself because all the cash was gone, and he could not keep up the payments. His wife may have had life insurance, but I don't know if it covers suicide. So at worst, she files BK, lives off social security and the house, in trust, as probably other assets are in trust.
"And if she loses, what can she trade for time off---the house is in trust, and in this marketplace, what money is there. The airplane?
Probably money owed on it, too. And who pays the court case and attorney fees, as they come from the class action suit.
“No, I think they only thing going is "revenge" on those who knew and participated, and that is a criminal action---not civil.”
Today I can only guess the evidence presented in the Fresno class action case may help the FBI in their investigation.”
The second class action cased filed in New York by Howard, Lowell, and Wexler in New York City filed on March 25, 2011, a $700,000 claim on behalf of their three clients, Cobalt Investments, LLC, Dragga, LLC, and Real Estate Network, Inc. Profit Sharing Plan, alleging these leasing companies Commercial Equipment Lease Corp., Financial Pacific Leasing, First Sierra Financial, HL Leasing, Heritage Pacific Leasing, Manufactures Acceptance, New Era Funding, Palm Springs Savings Bank, Pentech Financial statement as well as Andy Fernandez, president of HL Leasing, Kathleen J. Otto, wife of John Otto, and the Estate of John W. Otto "had actual knowledge of the fraudulent scheme. One or more of the foregoing defendants, including Centerpoint, had such knowledge by virtue of the fact that they were owned or controlled by Otto. The remaining entities necessarily gained such knowledge in the same manner as Regency Bank and Palm Springs Savings Bank, as described above.
Centerpoint may or may not still be in business, although unlinked, as once owned by John Otto, and First Sierra Financial was sold a long time ago to American Express, who was sold to Key Corp, and New Era Funding has been long gone. Heritage Pacific Leasing ceased to be active upon John Otto’s death, and Pentech Financial has been in a wind down situation for several years.
“92. Upon information and belief, defendants New Era Funding Corp., Commercial Equipment Lease Corp., Centerpoint Financial Services, Financial Pacific Leasing, LLC, First Sierra Financial, Inc. and Belvedere Equipment Finance Corp., provided substantial assistance to the MAC defendants in carrying out their fraudulent scheme, in the same manner set forth in paragraph 90 above.
“93. In addition, upon information and belief, Centerpoint, Pentech, and such other defendants as were owned or controlled by Otto, and thus had knowledge of the fraud, provided substantial assistance in carrying out the fraud through their receipt of funds loaned by the defrauded investors."
Commercial Equipment Leasing Company was terminated from the case on June 16, 2011 and Belvedere Equipment Finance was terminated from the case on July 6, 2011.
Parties are being served with dismissal notice, such as Financial Pacific Leasing and service, while others have been served, awaiting an answer. Who then will be left may be the main characters in the Cotchett, Pitre & McCarthy case going on in Fresno, California.
Previous HL Leasing Stories:
(Leasing News provides this ad as a trade for investigations
Felony Charges Dropped on Brendan Messenheimer
Brendan Messenheimer of AMC Funding, Charlotte, North Carolina, with four Leasing News Alerts about not paying broker commission or bounced checks with vendors, was charged with writing a check for $10,587.88 with insufficient funds.
The felony charges were dropped after he returned all the money, as the district attorney considered this a first time offence. The victim told Leasing News, “I received an overnight check this morning bringing my 9 month nightmare to a conclusion. All I can hope is that he learned a lesson and that this will never happen again."
(Reportedly Messenheimer is back in the leasing business. It is the funders who are keeping these people in business. It is the funders who are still saying non-notification to lessees about the end of leasing contracts is still okay and continue to do business with these discounters.)
Fourth Alert (includes first three alerts)
##### Press Release ############################
Former NASA Special Agent Pleads Guilty Tax Return
Los Angeles – A former special agent with the National Aeronautics and Space Administration, Office of Inspector General pleaded guilty Thursday afternoon to charges that he failed to report almost $300,000 on his federal income tax returns from cash tithes he stole from his church.
Alvin Danielle Allen, 42, a resident of Lancaster, pleaded guilty to one count of subscribing to a false tax return.
Appearing before United States District Judge George H. King, Allen pleaded guilty to a count involving his fraudulent 2004 tax return, but also admitted filing fraudulent tax returns for the tax years 2005 through 2008.
Allen, who was arraigned in federal court earlier this month, will remain in jail until his sentencing before Judge King on November 7, 2011.
According to the plea agreement, since approximately 1998, Allen was a deacon at his church, Lancaster Baptist Church, where he was also an officer of the church board. From 2004 through 2009, Allen served on a church committee that counted the tithes after the church services. While serving on the church committee, Allen stole from the church goers’ cash contributions. The amount of money Allen stole varied over the years until approximately October 2009 when Allen was caught on a hidden surveillance camera installed at the church, stealing the church tithing’s and putting the cash into his clothes. Allen stole a total of approximately $299,975 from the church during the period 2004 through 2008.
Allen was previously convicted in state court of grand theft by embezzlement and commercial burglary for stealing the church tithings.
“Alvin Allen’s actions were detestable. Allen violated the trust placed in him by NASA as well as his church community, for his own personal financial gain,” said Special Agent in Charge Leslie P. DeMarco of the IRS-Criminal Investigation Los Angeles Field Office. “Crimes committed by civil servants, whether as part of their official duties or private lives, violate public trust. IRS-CI helps ensure that everyone pays their fair share.”
In relation to his 2004 tax return, Allen did not report the cash tithing’s he stole from the church, approximately $42,436, as his income on the tax return. Allen also falsely reported that he sold his rental property for a loss of $17,940, when in fact he had sold his rental property for a profit of approximately $60,000.
Concerning tax years 2005, 2006, 2007 and 2008, Allen failed to report cash tithing’s stolen from the church of approximately $75,096, $61,903, $33,123, and $87,417, respectively. The tax loss to the IRS based on Allen’s failure to report his true income during this time period totals approximately $88,882.
As a result of today’s guilty plea, Allen faces a statutory maximum sentence of three years in federal prison. In addition to the possible prison term, Allen has agreed to pay on or before sentencing all additional taxes, penalties and interest assessed by the IRS on the basis of the returns.
The investigation and prosecution of Allen was conducted by IRS - Criminal Investigation and NASA Office of Inspector General - Office of Investigations, in conjunction with the United States Attorney’s Office for the Central District of California.
##### Press Release ############################
##### Press Release ############################
Hermosa Beach Man Fails to Report $1 Million in Income
Los Angeles – Joseph Ford Proctor, 66, formerly of Hermosa Beach, raised funds from investors for various companies and was convicted of subscribing to two false income tax returns. The jury deliberated for less than an hour before returning their verdict.
The evidence presented during a three day trial in United States District Court showed that in 2002 and 2003, Proctor raised funds from investors for Powerhouse Studios, Inc. and Powerhouse Technologies Group, Inc. Investors in Powerhouse were directed to send their investment funds to a bank account held in the name of Brickhouse Venture Capital Limited. Although Brickhouse was a company opened in the name of the defendant’s brother, Proctor directed how the investor funds would be spent.
In 2002, Proctor caused $240,500 to be wire transferred in the name of his wife from the Brickhouse bank account to a joint bank account that he held with his wife. In that same year, Proctor caused an additional $100,000 to be wire transferred in the name of his wife to a bank account held in her name. In 2003, Proctor caused $610,000 to be wire transferred in the name of his wife from the Brickhouse bank account to the same account held in his wife’s name. The funds were spent to fund the lifestyles of the defendant, his wife and their daughter. According to documents filed with the court, Proctor referred to his wife, a citizen of Thailand at the time, as his walking tax shelter.
Proctor failed to report this $950,500 in income on his federal income tax returns. In 2002, Proctor reported having only $5,500 in income and paid no income tax. In 2003, Proctor reported having only $7,450 in income and paid no income tax.
Proctor is scheduled to be sentenced by United States District Court Judge King on January 23, 2012. At sentencing, Proctor faces a statutory maximum penalty of six years in federal prison, and fines totaling $500,000.
The investigation of Proctor was conducted by IRS – Criminal Investigation in Los Angeles.
### Press Release ###############################
Longest Living Cities
(It appears on the average, the women outlive
Longest Living Cities
First-rate releases for families (“Winnie the Pooh”) and art-house aficionados (“Tabloid”) grace theaters this week, while DVD releases encompass intriguing thrillers (“Limitless”), frothy star tributes (“Potiche”), and one of the year’s best (and most indescribable) films (“Uncle Boonmee Who Can Recall His Past Lives”).
Winnie the Pooh (Walt Disney Pictures): Every child’s favorite honey-crazy bear, Winnie the Pooh returns to the big screen in this tender and lovingly crafted family movie. The plot finds the gang at Hundred Acre Wood looking for Eeyore’s missing tail, while hunting down a fearsome creature that’s supposedly kidnapped Christopher Robin. As with the best of Pooh’s adventures, however, the movie is less about rushing through a story than about interacting with the beloved characters, which include the ever ebullient Tigger and anxious Piglet, along with Owl, Rabbit, and Kanga and Roo. While many animated features nowadays are filled with nonstop noise and visual bravura, the film, directed by Stephen J. Anderson and Don hall, understands how to score points with subtle visual wit and wry emotional generosity. The result is a total charmer.
Tabloid (Sundance Selects): Though he's an Oscar-winning documentarian, there's very little that's predictable or stuffy about Errol Morris' subjects or his handling of them. Case in point: Joyce McKinney, the one-of-a-kind human whirlwind at the center of his immensely entertaining new film. A former beauty queen from Wyoming who in the late 1970s became a media sensation due to her participation in a bizarre scandal involving fake identities, Mormon kidnapping and cloned puppies, the older but still indomitably vivacious McKinney she faces Morris' camera and tells her story in a myriad of cheerfully strange ways. Was she a woman driven by passion? A virtuoso storyteller weaving her own madcap adventure? A creation of a scandal-hungry culture? Without providing easy answers or mocking his subject, Morris brings us closer to her obsessions.
Limitless (Fox): After dealing with 19th-century magicians in “The Illusionist” and Iraq War vets in “The Lucky Ones,” offbeat director Neil Burger tries his hand at brainy action with this intriguing, fast-paced thriller. “The Hangover’s” Bradley Cooper stars as Eddie Morra, an aspiring writer who, after having his novel rejected and being dumped by his girlfriend Lindy (Abbie Cornish), takes drastic measures to change his life. That’s when he experiments with a new form of medicinal drug, and is suddenly rocketed to the top of the business world. It’s not long, however, before his newfound powers attract mysterious, ominous forces led by a financial mogul (Robert De Niro), who’s got plans of his own. Well-acted and exciting, this is the rare action movie that dishes out thrills without sacrificing intelligence.
Potiche (Music Box Films): Fans of Catherine Deneuve will be delighted by Francois Ozon’s light and colorful comedy, which gives the grand dame of French cinema her most elegantly funny role in years. Deneuve stars as Suzanne, the trophy-wife of Robert (Fabrice Luchini), an industrialist who in the 1970s rules over his employees with an iron fist while openly cheating on Suzanne. After Robert is taken hostage during a strike, however, she must take control of the factory and, to everybody’s surprise, finds a new vocation in dealing with business affairs. Shot in a candy-colored style and featuring a poignant appearance by Gerard Depardieu as the heroine’s former lover and political rival, the film offers infectious fun for fans of Ozon’s earlier and equally frothy “8 Women”. With subtitles.
Uncle Boonmee Who Can Recall His Past Lives (Strand Releasing): The title is just the first unique thing about this marvelous Thai fantasy, the surprise winner of last year’s coveted Palme d’Or at the Cannes Film Festival. The uncle of the title (played by Thanapat Saisaymar) is an aging farmer who, while on his deathbed, receives a visit from his ghostly wife and son, who have come to prepare him for the next world. The plot suggests a horror movie, but director Apichatpong Weerasethakul instead offers a warm and funny look at the fluidity of spirituality and fate. Without compromising his singular cinematic style, Weerasethakul weaves a beguiling mosaic of reincarnation and ghosts that’s at the same time remarkably sophisticated and light as air, challenging and immediately accessible. With subtitles.
Buffalo, New York-- Adopt-a-Dog
“Are you looking to give this special girl a home, time, and love she wants? Zoey is a beautiful 4 year old pure Akita female. She knows basic obedience such as sit, paw and can play fetch. She would love a house that is fairly calm. She is good with kids and ok with larger dogs. She is a little shy with strangers, but warms right up after a few minutes. Being an akita she rarely barks. She also loves being outside playing with her best friend a female chocolate lab. Zoey’s current owner loves her, however, they work too many long days and as a single mother of a 3 month old simply does not have the time to give Zoey the attention she needs.”
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U.S. Forecast Heat Index
GE expected to report 13 percent rise in profit
Wells Fargo paying record fine of $85 million over alleged loan practices
Optimistic outlook for European vehicle leasing industry
Microsoft's results beat expectations, but Windows sales slip
Canada jobless claims down for 8th month
Massachusetts unemployment rate is unchanged at 7.6 percent
Trustee in Madoff case drops damages claim involving Mets ownership
Portland most affordable place to retire
San Francisco 49ers and Oakland Raiders could share a stadium, but where?
Stanford emerging as hub for fast-growing investment trend
Schwarzenegger doesn't want to pay Shriver support
Nine of 10 June sales were distressed properties in Lake County
Rancho Cordova woman arrested following death of dog found in hot car
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This Day in American History
1587-The second English colony established on Roanoke Island off North Carolina . The Roanoke Island Colony, sponsored by sir Walter Raleigh, was established on Roanoke Island, off the northeast coast of what is now North Carolina , under the leadership of Sir Richard Grenville and Sir Ralph Lane . the settlers fared badly and returned to England in June of 1586. In 1587, Raleigh sent out another group under John White, consisting of 117 men, women and children, who landed this day. White returned to England for supplies, but was unable to get back to Roanoke until August 17, 1590, three years later. He found all the colonists gone; the only clue to their fate was the word Croton carved on a tree. The meaning of this remains unexplained and no trace was ever found of the settlers. Whether they met their fate by Indians, a cold Winter, lack of food, or disease is not known.http://personal.pitnet.net/primarysources/ronoake.html
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