Friday, September 18, 2015
Today's Equipment Leasing Headlines
Correction: Limited Time, Profit Analyst Course, Free
Broker/Funder/Industry Lists | Features (writer's columns)
You May have Missed---
######## 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.
Please send a copy of Leasing News to a colleague and ask them
Correction: Limited Time, Profit Analyst Course, Free
Link now working
(Please click on ad to learn more)
My Opinions on Major License Changes
Preface by Editor
Reaction to SB 197 awaiting California Governor Jerry Brown's signature was very negative, especially from funders.
"The part of the new law that troubles me the most is that apparently the unlicensed broker cannot 'negotiate, quote, take application or close for signatures'," a major small to middle sized funder told Leasing News.
One funder said they were going to look into ignoring business in or
There also was confusion expressed regarding the current law allowing unlicensed brokers to solicit five transactions without having a license. The new law changes this and puts the onus on the funder, not just the broker.
Now that SB 197 is probably going to be law, I think the debate on whether it is good or bad should probably cease, and we start focusing on how to comply and what the ramifications for non-compliance might be.
The current law is that a licensed lender is prohibited from providing an unlicensed broker with a commission.
That being said, a sharp State Senator from San Diego tried to do the leasing industry a favor by drafting a bill which would allow a licensed lender to provide a commission to an unlicensed broker. Sadly, the measure got watered down and changed in committee, and now the exceptions to the law pretty much swallow up the changes. Welcome to politics.
So, assuming that Governor Brown will sign the Bill, a licensed lender can pay a commission to an unlicensed broker only if:
It is unclear whether this new law applies to California licensed financial lenders loaning money or making leases to California residents only, or whether a licensed lessor in California is now prohibited from paying a commission to a broker in New York for a deal in New Jersey. I suspect it would not apply, but as the Department of Oversight flexes its muscles, the interpretation might be made clearer.
Ultimately, the Department of Oversight is trying to weed out rinky-dinky brokers who have no skin in the game, such as a license or a bond. There are two ways they could do this. First, they could gear up with tax revenue and actually prosecute these unlicensed brokers and lessors, at considerable time and expense. This is a bottom up approach. Second, they could make licensed lenders do their dirty work by making it illegal for the licensed lenders to do business with unlicensed brokers, a top down approach.
Just so the licensed lessors don’t feel too bad here, the top down approach has been the current government role strategy for many years. For example, the U.S. Government doesn’t like medical marijuana dealers. Rather than prosecute them, they simply get the Federal Reserve to make a law discouraging banks from banking a medical marijuana outlet.
As frustrating as this may seem, I think it might be a good idea to put a positive spin on this. The Department of Oversight, by forcing licensed lenders to back away from unlicensed brokers, will encourage brokers to be licensed. Only those brokers with financial skin in the game will do so. They will presumably abide by the minimal regulations governing licensees and hopefully will not lie, cheat, keep deposits, and other things some of the lower level brokers are routinely accused of doing. This raises the gene pool of the industry.
On a final note, people always ask me this—there is no per se requirement to be licensed. The statute allows anyone to make up to five loans a year without being licensed. So the occasional, one-off, broker remains unaffected by this statute. Even assuming a lessor or broker wants to do more than 5 deals a year, there is no big disincentive for doing so, since the Department of Oversight rarely engages the remedy of a cease and desist order, except in extreme cases. However, one of the principal benefits of being licensed is that the broker or lessor may charge any interest rate they want to, because they are exempt from usury.
Tom McCurnin is a partner at Barton, Klugman & Oetting
Previous Tom McCurnin Articles:
Alaska: Money Service License
Arizona: All "advance fee loan brokers" must register annually with the state. Includes "commitment fees." Stiff penalty and on line form for a complaint for the state to investigate. Arizona Revised Statutes, sec. 06-1303-1310 (1996)
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.
California: "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."
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.
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.
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 revoke 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.
Kansas : Broker is not exempt. Discounter or Lessor is exempt: " 'Creditor' means any person to whom a loan is initially payable on the face of the note or contract evidencing the loan" is exempt. Anyone who earns a fee or accept a deposit, except a bank, financial institution, discounter or lessor, must be registered.
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.
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)
Maine: No license required: "the regulation of commercial loan brokers does not fall under the jurisdiction of the Maine Bureau of Consumer Credit Protection. Transactions involving two businesses are legal/contractual in nature. Therefore, disputes involving a commercial loan between a business and commercial loan provider or broker must be settled in the court system."
Maryland: Lending threshold is $6,000 or less, so now need for license if over
Massachusetts: Lending threshold is $6,000 or less, so now need for license if over this dollar amount.
Minnesota: Money Transfer License
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)
Missouri: A broker of loans of "money or property" may not assess or collect an advance fee. Missouri Revised Statues, sec. 367 300 (19920
Nebraska: A broker of loans of money may not assess or collect an advance fee. Nebraska Revised Statutes, sec. 45-189 (1993)
Nevada: Foreign Corporations Foreign corporations engaged in activities in Nevada are subject to the provisions of Chapter 80 of the Nevada Revised Statutes. Specifically, NRS 80.010 through 80.055 set forth the requirements for a foreign corporation to qualify to do business in Nevada. Of primary importance are the statutes that establish (a) the filing requirements to qualify to do business (NRS 80.010); (b) the activities in which a foreign corporation may engage that do not constitute “doing business” so as to require qualification (NRS 80.015); and (c) the penalties to which a foreign corporation will be subject for failing to comply with the qualification provisions (NRS 80.055). The penalties for failure to comply with the qualification statutes include a fine (capped at $10,000) and/or denial of the right to maintain a court action. However, failure to comply will not impair the validity of contracts entered into by a foreign corporation nor prevent such corporation from defending itself in court. Foreign LLCs Foreign LLCs engaged in activities in Nevada are subject to the provisions of Chapter 86 of the Nevada Revised Statutes, specifically NRS 86.543 through 86.549. Foreign LLCs seeking to operate in Nevada must comply with the initial filing and registration requirements in NRS 86.544, and annual filing requirements of NRS 86.5461. The LLC must also maintain certain records, such as a list of current members and managers, in accordance with NRS 86.54615. Additionally, NRS 86.5483 lists the activities which do not constitute “doing business” in Nevada for purposes of the Chapter. Foreign LLCs that fail to comply with the Chapter risk penalties similar to those facing a non-compliant foreign corporation. Those penalties are outlined in NRS 86.548.
New Jersey: Brokers of "loans of money" may not assess or collect an advance fee.
New Mexico: New Mexico currently requires Brokers/Lessors to register for Licensing under the NM 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:
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)
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
Ohio: Ohio law provides that no person may engage in the business of lending money, credit, or choses in action in amounts of $5,000 or less, or exact, contract for, or receive, directly or indirectly, on or in connection with any such loan, any interest and charges that in the aggregate are greater than the interest and charges that the lender would be permitted to charge for a loan of money if the lender were not a licensee, without first having obtained a license from the Division of Financial Institutions. O.R.C. 1321.02. This rule is applied to any person, who by any device, subterfuge, or pretense, charges, contracts for, or receives greater interest, consideration, or charges than that authorized by such provision for any such loan or use of money or for any such loan, use, or sale of credit, or who for a fee or any manner of compensation arranges or offers to find or arrange for another person to make any such loan, use, or sale of credit. O.R.C. 1321.02.
Rhode Island: Any person who acts as a lender, loan broker, mortgage loan originator, or provides debt-management services must be licensed. R.I. Gen Laws § 19-14-2(a). The licensing requirement applies to each employee of a lender or loan broker. R.I. Gen Laws § 19-14-2(b). No lender or loan broker may permit an employee to act as a mortgage loan originator if that employee is not licensed. R.I. Gen Laws § 19-14-2(b) R.I. Gen. Laws § 19-14-2 (2012) No person engaged in the business of making or brokering loans shall accept applications from any lender, loan broker, or mortgage loan originator who is required to be licensed but is not licensed. R.I. Gen Laws § 19-14-2(d). There is an exemption from the licensing requirement for a person who makes not more than 6 loans in the state within a 12-month period. R.I. Gen Laws § 19-14.1-10. Persons lending money without a license are guilty of a misdemeanor and can be fined not more than $1,000, or imprisoned for not more than 1 year, or both; each violation constitutes a separate offense. R.I. Gen Laws § 19-14-26.
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)
South Dakota: Money Lending License
Vermont: Commercial Loans
Ontario, Canada: General Requirements: 1. Branch Operation If a foreign corporation wants to carry on business via a branch operation, without a Canadian corporate entity, it may have to obtain a provincial license in each province in which it intends to carry on business. Pursuant to the Ontario Extra-Provincial Corporations Act R.S.O. 1990 c. E.27 ("EPCA"), a class 3 extra-provincial corporation (a corporation that has been incorporated or continued under the laws of a jurisdiction outside Canada) is prohibited from carrying on business in Ontario without a license under the Act [s. 4(2)]. Failure to comply with this licensing requirement can lead to a maximum fine of $2,000 for a person and $25,000 for a corporation [s. 20(1)]. Directors, officers and any person acting as a representative of the corporation can be fined up to $2,000 for authorizing, permitting or acquiescing to an offence by the corporation [s. 20(2)]. For the purposes of the EPCA, an extra-provincial business is considered to be "carrying on business in Ontario" if: a. It has a resident agent, representative, warehouse, office or place where it carries on its business in Ontario; b. It holds an interest, otherwise than by way of security in real property situate in Ontario; or c. It otherwise carries on business in Ontario [s. 1(2)]. This last category is a catchall. Recent case law in the area stresses that it is very much a fact-specific analysis hinging on the extent to which business is actually conducted in Ontario. 2. Incorporation: a foreign corporation can also choose to incorporate a subsidiary, either federally or provincially. If a subsidiary is incorporated provincially in Ontario, it may have to obtain an extra-provincial license to carry on business in other provinces. An Ontario-incorporated company does not have to obtain a license to carry on business in Quebec but does have to make annual information filings. 3. Bank Act If the financing company is a bank and intends to carry on business in Canada, it must obtain appropriate approval under the Bank Act 1991 c. 46. Whether an entity will be considered a bank under the Bank Act needs to be reviewed on a case-by-case basis, as there are a number of relevant factors.
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.
New Hires---Promotions in the Leasing Business
Janice Schawillie was hired as VP Capital Markets at First American Equipment Finance, Fairport, New York. Previously, she was VP Syndications/Portfolio Manager, First Niagara Bank (September, 2009 – September, 2015); Operations Specialist, Chase Equipment Leasing Inc. (1983 – 2009); Operations Specialist, Chase Equipment Leasing Inc. (1983 – 2009). Education: St. John Fisher College, BA, Political Science (1977 – 1981).
Matt Sponagle was hired as Director of Network Services at Navitas Lease Corp., Cherry Hill, New Jersey. Previously, he was Network Administrator, Marlin, Business Services (December, 2004 - September, 2015). Network Technician, Infocore (1994-2000).
Leasing Conferences --- Full Update of Exhibitors
The Women in Leasing LinkedIn Group would like to cordially invite you to our October luncheon at Season’s 52 in Buckhead (Atlanta), Georgia on Wednesday October 7th, from 1:00pm – 3:30pm. The lunch is being co-sponsored by ECS Financial Services and Financial Pacific Leasing.
Space is limited to 40 attendees so if you would like to attend please RSVP no later than September 15th to Shari Lipski at 847.897.1711 or via email SLipski@ECSFinancial.com.
If you plan on attending the 2015 NEFA Funding Symposium, the restaurant is about two miles from the host hotel.
Funding Symposium Exhibitors To Date:
Full Information including pricing, schedule, and reservation:
Dwight Galloway will be covering the conference for
780 individuals signed to attend to date with
Brochure with Schedule of Events
ELFA President and CEO Woody Sutton invites you
Website states, "Registration opening soon!"
2015 Western Regional Meeting
To reserve your room, visit
Exhibitors to Date
60 Equipment Finance
Updated Book by Frank Peretore, Esq.
Well-known attorney Frank Peretore has up-dated his book "Workouts and Enforcement for the Secured Creditor and Equipment Lessor" (2015 Edition). It is a step-by-step guide, filled with practical forms, for attorneys to represent secured creditors and equipment lessors from the workout through the litigation and bankruptcy processes. It is a comprehensive treatise for the zealous yet efficient enforcement of secured creditor and equipment lessor rights--including strategies, applicable law, citations, and forms for maximizing the opportunities of a workout, swiftly securing collateral and avoiding litigation and bankruptcy pitfalls.
"The 2015 Edition updates and enhances the prior edition by incorporating current case law and statutory revisions, including the 2010 Amendment to Article 9. This edition further incorporates new chapter sections, strategies and/or forms in connection with all asset liens, avoiding preference and fraudulent conveyance claims in workouts, foreclosing Article 9 liens, enforcing judgments, prosecuting fraudulent conveyance claims, and many aspects of bankruptcy practice such as strategies and issues in preparing and filing Proofs of Claim, prosecuting nondischarge and nondischargeability claims, conducting discovery in bankruptcy, valuing collateral for motions for relief from the automatic stay, objecting to 363 sales of collateral, defending against avoidance claims and 506(c) claims, and electing section 1111(b) in Chapter 11 reorganization cases."
Available in Kindle and Paperback at Amazon for $239
Frank is listed in the group of Most Influential Lawyers
##### Press Release ############################
Canadian Small Business Lending Index Rises 4%
(Ottawa, CANADA--— PayNet, a firm that provides risk management solutions and market insight to the Canadian Commercial Finance Industry reports increasing investment by privately-held Canadian businesses. The Canadian Small Business Lending Index (CBLI) which measures the amount of new private investment in property, plant and equipment by hundreds of thousands of private Canadian businesses reached 135.8 from 130.3 up 4% over last year.
This release shows organic growth in investment by Canadian private businesses. Although rate of investment is slower, it remains positive. This rate of increase remains less than the peak years, but it shows organic growth which can drive faster recovery for the Canadian economy.
“The Canadian economy is in a state of transition,” notes William Phelan, president of PayNet, Inc. “This could be a lot worse. The consumer and the East are making up the slack in commodities and the West,” notes Phelan.
Mining and Farming showed contractions falling -4% and -10% respectively. At the same time, professional services companies increased investment 28% while retailers were up 19%.
“In 12 to 24 months the economy should fully reshuffle from energy to manufacturing and the consumer,” Phelan pointed out. The PayNet Canadian Small Business Lending Index shows businesses serving energy sector Transportation -6% and Wholesale -20%
PayNet’s data reflects the fact that Canadian small businesses are outperforming the broader national economy, but that material strains exist in certain portions of the country.
Investment is contracting in the Western Provinces; Alberta -6% and Saskatchewan -8% which reflect the contracting Mining and Agriculture sectors in those two provinces. In the East, investment growth is up in Manitoba +4%, Ontario +8% and Quebec +6%.
While U.S. small businesses are consistently borrowing at double-digit annual growth rates during 2015 ranging from 10-13%, Canadian small business originations are expanding at a more modest growth rate. As the U.S. economy gains momentum, it should soften the contraction in Canada.
The outlook for the next quarter shows a reset of the financial health of Canadian private businesses is underway, as financial health remains strong, despite it deteriorating recently. “The Canadian Business Delinquency Index (CFLA CBDI) shows credit risk for Canadian small and medium sized businesses will rise slightly towards pre-recession levels over the next 12 months” according to Mr. Phelan.
PayNet’s economic indices will be presented to CEO’s and regulators at the Canadian Finance Leasing Association (CFLA) National Industry Conference September 16-18, 2015 in Ottawa. PayNet is now launching 53 Canadian economic indices that measure current business conditions in the Canadian small business economy by Province and Industry Sector at this conference and speaking Thursday September 17, 2015 on Measuring the Industry. These indices provide early signals of economic growth, demand for capital, business fixed investment and a gauge of financial stress across multiple sectors of the economy and can be accessed at www.paynetonline.com/canadian-indices.
The PayNet Canadian Business Lending Index is a key measure of metrics for Canadian private companies, small held by private owners and not traded on The Toronto Stock Exchange, which quantifies their business investment and financial health.
PayNet, Inc. Canada is the premier provider of risk management tools and market insight to the commercial credit industry, collecting real-time loan information from leading Canadian lenders and turning it into actionable intelligence. The company's proprietary database -- updated weekly -- is a growing collection of commercial loans and leases, worth over $70 billion. Using state-of-the-art analytics, PayNet converts raw data into real-time market intelligence and predictive information that subscribing lenders use to manage risk, lower operating costs, originate more loans and improve their business strategy. For more information visit www.paynetonline.ca.
### Press Release ############################
Scrappy comedy ("Grandma") and harrowing drama ("Queen of Earth") make for a schizophrenic box-office double-bill, while DVD releases offer ferocious action ("Mad Max: Fury Road"), an elegant confection ("Cinderella"), and a moody classic ("Moby Dick").
Grandma (Sony Pictures Classics): In her first starring role in more than twenty years, the always underrated Lily Tomlin shines in this scrappy comedy-drama, directed by Paul Weitz ("American Pie"). Tomlin plays Ellie, a poet and self-described "unemployed academic" whose spiky personality has alienated most of her family. When her teenage granddaughter Sage (Julia Garner) turns up at her home in dire need of money, the two women embark on an expansive road trip that allows them to get to know one another. Along the way, Tomlin subtly creates a movingly complicated character, expressing Ellie's fierce independence as well as her regrets about past relationships. Combined with Weitz's sympathetic direction and a cast that also includes Marcia Gay Harden and Judy Greer, the film shines as a warmly acerbic intergenerational tale.
Queen of Earth (IFC Films): After the acidic comedy “Listen Up Philip,” writer-director Alex Ross Perry turns to psychodrama in this strange, one-of-a-kind story about a friendship gradually enveloped by darkness. Set mostly in a claustrophobic New York lake house, the story charts the mysterious friction that grows between two longtime pals, Catherine (Elisabeth Moss) and Ginny (Katherine Waterson). As the weekend unfolds, the time that was originally planned for artistic relaxation instead begins to show cracks in Catherine’s sanity. With her behavior growing more erratic and feral, the line between the two women’s psyches stretches thinner by the instant. With a style that’s reminded critics of visceral classics like “Repulsion” and “Persona,” Perry’s film is an unnerving portrait of emotional dynamics featuring a remarkable performance by Moss.
Mad Max: Fury Road (Warner Bros.): Movie buffs who often complain about disappointing action fare should definitely check out the relentlessly exciting new film from George Miller, who shows that at the age of 70 he can still teach younger filmmakers a thing or two. Taking place, like the previous "Mad Max" installments, in a post-apocalyptic future where the world has been reduced to a violent wasteland, the film follows the wanderings of a loner known as Max (played by Tom Hardy). Still reeling from the tragedies that turned him into a road warrior, he takes up with a gang of rebels led by the fierce Imperator Furiosa (Charlize Theron), who's taking a precious cargo to her homeland. Standing in their way, however, are vicious marauders led by the grotesque Immortan Joe (Hugh Keays-Byrne). The result is a blistering master-class in pure action that makes most other recent blockbusters look anemic.
Cinderella (Walt Disney): Director Kenneth Brannagh ("Henry V," "Hamlet") l.ikes to bring a Shakespearean tone to all of his productions, and it's no different with his latest, a lavish interpretation of the beloved, frequently filmed fairy tale. Lily James stars as the eponymous heroine, an innocent young woman who finds herself at the mercy of her cruel Stepmother (Cate Blanchett) when her father passes away. Though surrounded by an often harsh world, Cinderella keeps a pure disposition that's rewarded by her Fairy Godmother (Helena Bonham Carter), who helps her make it to the castle ball. But can her newfound love for the Prince (Richard Madden) survive the sabotage attempts from her family? A light and elegant confection, this crowd-pleaser benefits from sparkling sets as well as Blanchett's fun and ferocious turn
Moby Dick (Kino): Not one to shy away from challenges, director John Huston ("The Maltese Falcon") tackled Herman Melville's monumental novel in this moody, handsome 1956 version of the classic struggle of man and beast. Told from the vantage of Ishmael (Richard Basehart), the lone survivor of a dangerous high-seas journey, the tale follows the Pequod, a whaler sailing off the New Bedford coast. Once aboard, Ishmael meets the tyrannical Captain Ahab (an uncharacteristically vehement performance by Gregory Peck), a man determined to hunt down Moby Dick, the white whale that had on a previous voyage devoured his leg. Though it misses much of the book's psychological intensity, Huston's film is nevertheless a sturdy venture, featuring stylish cinematography and a cast that includes a memorable cameo by Orson Welles.
Labrador Retriever/Rottweiler Mix
"I am already neutered, up to date with shots, and good with kids."
"Robbie, born September, 2012, is a very handsome, gentle Labrador/Rottweiler mix--vaccinated, micro-chipped, and neutered. This sweet boy, was surrendered because her owner is no longer able to care for him. He is a sweet, gentle boy who would benefit from Obedience training as this would help build his confidence. Robbie is shy until he knows you; but, he does enjoy going for walks and likes to be with people, being brushed and cuddled.
Robbie is an intelligent Canine who would like to have an active home with a fenced yard so that he can play safely while his family is working or relaxing in the out-of-doors
Can you give our sweet Robbie a loving, forever home?
For more information, visit with Robbie, in our Adoption Centre, at the SPCA of Western Quebec, 659 Auguste Mondoux, just off the Pink Road, in the Aylmer Sector of the City of Gatineau
Shelter: SPCA of Western Quebec
Adopt a Pet
(Leasing News provides this ad as a trade for investigative
Marlin Business Services Corp. Sees Strong Trading Volume
Fed Leaves Interest Rates Unchanged
Federal Reserve Projections to 2018
GE to Expand Aviation Operations Overseas
Credit card processor agrees to settle fraud claims
25 Tucson, Arizona restaurants closed in 2015
Napa Valley Wine Train sold
North Americans Favor Accessing Internet via Mobile
SparkPeople--Live Healthier and Longer
How to Get Your Daily Dose of Vitamin D
Playing the Prison Team at Menard
by Wayne Lanter
Tex was back for his twenty-first season,
(Printed with permission of the author)
Broncos' hex on Chiefs continues
Roger Goodell's role in conduct policy
NFL official was suspicious of McNally years ago
Peyton Manning reaches out to cancer-stricken fan
49ers, Kaepernick expect tougher defensive
Deal would let Southern California buy surplus water from Nevada
How six men saved Cobb homes from Valley fire
Valley, Butte fire regions face long road to economic recovery
Apple co-founder Steve Wozniak proclaims Ahmed Mohamed a ‘modern day hero
Chile earthquake epicentre in the country’s Coquimbo wine region
Three of Napy County 18 wineries have winery audit violations
Sonoma County Grape Yields Down but Quality Expected to be Exceptional
The Napa Wine Train Sold
A to Z Wineworks becomes one of Oregon wine's biggest sellers: Top Workplaces 2015
Ask a Somm: Which Unknown Grape Varietals Will Be Big in 10 Years?
Free Mobile Wine Program
Wine Prices by vintage
US/International Wine Events
Leasing News Wine & Spirits Page
This Day in American History
1502 - Christopher Columbus landed at Honduras on his 4th and last voyage. He would retire a very wealthy man.
The object is to insert the numbers in the boxes to satisfy only one condition: each row, column and 3x3 box must contain the digits 1 through 9 exactly once. What could be simpler?
How to play:
Refresh for current date:
See USA map, click to specific area, no commercials
Real Time Traffic Information
You can save up to 20 different routes and check them out with one click,