Reynolds-Alberta Museum

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Mortgage Fraud pdf Protect yourself from being an unwilling participant in mortgage fraud! If you are going to invest in real estate, make sure you are using a licensed mortgage broker who is registered under the Real Estate Act in Alberta. Bill Collection and Debt Repayment pdf Collection agencies collect unpaid debts or locate debtors for others. Debt repayment agencies charge a fee to negotiate payment arrangements for people who owe money. The Consumer Protection Act and the Collection and Debt Repayment Practices Regulation identify the rules these businesses and the people working for them must follow. Gift Cards pdf Gift cards purchased in Alberta are no longer subject to expiry dates and fees that lower their value over time. The regulation also includes other rules to improve consumer protection, use of the cards and disclosure of terms and conditions. Payday Lending pdf What is a payday loan? The term of the loan cannot exceed 62 days. This includes all mandatory fees and charges related to the loan.

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Hoodoos in Dinosaur Provincial Park In central and northern Alberta the arrival of spring is marked by the early flowering of the prairie crocus anemone ; this member of the buttercup family has been recorded flowering as early as March, though April is the usual month for the general population. Both yellow and white sweet clover can be found throughout the southern and central areas of the province.

The trees in the parkland region of the province grow in clumps and belts on the hillsides. These are largely deciduous , typically aspen , poplar , and willow. Many species of willow and other shrubs grow in virtually any terrain. On the north side of the North Saskatchewan River evergreen forests prevail for thousands of square kilometres. Aspen poplar , balsam poplar or in some parts cottonwood , and paper birch are the primary large deciduous species.

Conifers include jack pine , Rocky Mountain pine, lodgepole pine , both white and black spruce , and the deciduous conifer tamarack. Fauna[ edit ] The bighorn sheep is Alberta’s provincial animal The four climatic regions alpine , boreal forest , parkland , and prairie of Alberta are home to many different species of animals. The south and central prairie was the land of the bison , commonly known as buffalo, its grasses providing pasture and breeding ground for millions of buffalo.

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