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goodeveningpodcast · 1 year

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Episode 116 - The Three Dreams of Mr. Findlater

Hello, dear listeners, and happy holidays!

At long last, we’re pleased to present our coverage of “The Three Dreams of Mr. Findlater.” Although it might not be exactly holiday-themed, it does involve John Williams and Isobel Elsom reprising their roles of unhappily married couple from “Back to Christmas,” and that surely counts as a little festive? It’s a stretch, but no more of a stretch than some of Al’s burns. BURN. In any case, thank you again for your patience as we’ve worked to get this episode out!

We also announce on this episode that, due to currently jam-packed schedules, we will be taking an indefinite hiatus as we move into 2023. We will miss sharing new episodes with you, and we cannot tell you how grateful we are for your ongoing listenership, suggestions, and support. Some of you have been tuning in since we began this humble ‘cast five years ago, and we so appreciate you. It’s been a joy sharing our niche love of AHP with you, and we hope that sometime in the future, we’ll be able to return to your podcast feed. For now, we’re sending all our gratitude and wishing you the happiest new year!

And now for the ol’ episode description:

Ernest Findlater is an upper crust gentleman with a simple desire: he wishes to be whisked away to an island paradise where he can be doted on by a loving young woman named Lalage—a far cry from his actual stuffy reality and acrimonious marriage. For a time, Ernest’s desires are confined only to his daydreams, but when he finds a gun in an abandoned car, another dream begins to take shape: a dream of murder most foul. With the help of his imaginary girlfriend Lalage, Ernest begins to painstakingly plot both his wife’s demise and his own airtight alibi. But could it be that all of Ernest’s scheming is in vain?

Burn-o-Meter: N/A Overall Rating: 7.5 fake mustaches

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michigandrifter · 5 years

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Gunfight in Abilene 1967

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abriefingwithmichael · 7 years

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Switch 1.10

A script that doesn’t work, despite a good cast and great ideas.

This episode is full of “Why Would?” moments, places where the characters make stupid decision for no reason. Other than driving the story forward. At the very end, the villain blurts out a shopping list of his misdeeds in front of witnesses. But, really... why would he do that? And a hitman that he’s previously hired goes to extreme lengths to help him, a guy he’s never met. Hmm... why would he do that? At one point Mac and Pete send the police to arrest a guy who has... taken a phone call. And the police duly swarm in. Why would they do that? The list goes on.

The story feels butchered. Four writers are credited, suggesting multiple drafts. Hence the lack of cohesion, where stuff happens to drive the story forward even if it really makes no sense whatsoever.

Which is a pity, because there are interesting ideas here. Especially the hitman. Who is actually twins. And one is a cross-dresser. So they can really confuse people. Christopher Morley is good in the role, but the show overplays its hand. In his first big scene, you kinda guess that the character is male by the way it is written. A shame. By not drawing attention to the deception, they could have really gotten away with it.

The cast are good, regulars and guest cast. With Lloyd Bochner and Jared Martin as the villains you are on to a winner.

The two leads are good, but - again - the show does absolutely nothing with the characters that isn’t plot-driven. A wasted opportunity, when you watch other similar shows with mismatched duos (like HARDCASTLE AND MCCORMICK, for example) you can see just much fun they could be having on this show. But they totally ignore that. All these two ever talk about is the case they are working on. Ten episodes in, and we still know precious little about them.

5/10

#Switch #Christopher Morley #John Findlater #Lloyd Bochner #Jared Martin #Robert Wagner #Eddie Albert #Russ Conway #Don Keefer

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scotianostra · 2 years

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youtube

In a shabby underhand deal Scotland's Parliament sold out our Independence on 16th January 1707.

What you have to ask yourself is how the fuck they got away with it……

Robert Burns’ claim that the Union of England and Scotland (and hence the dissolution of the Scottish Parliament) was brought about by the Scots members being “bought and sold for English gold” was largely accurate – bribery and parliamentary division combined with wider economic imperatives, partly arising from the disaster of the Darien Scheme, enabling the Crown to incorporate a Union with England in the Acts of Union 1707 which brought into existence the Parliament of Great Britain. Forty-five Scots were added to the 513 members of the House of Commons and 16 Scots to the 190 members of the House of Lords.

The following men are listed as being paid for their vote by the English, note, not all voted for the Union and some votes are unknown. The money in todays worth may be a wee bit out of date as this is from a post I made here from 2012.

1 ~ Lord Anstruther, Sir William Anstruther was paid 300 pounds to vote “yes” on The Act of Union 1707. He voted yes. The 300 pounds received is today worth around 42,000 pounds. 2 ~ The Duke of Athol, James Murry was allegedly paid 1,000 pounds to vote yes for The Act of Union in 1707, but today’s listings show he voted “No”. 3 ~ Earl of Balcarres – Cohn Lindsay is said to have been paid 500 pounds for his vote “yes” in 1707, vote on The Act of Union. This would be worth about 70,000 pounds in today’s money. He did vote yes. 4 ~ Lord Banff – George Ogilvy was paid to vote yes on The Act of the Union. He did vote yes. 5 ~ Mr. John Campbell was paid 200 pounds to vote yes. This amount today is worth about 30,000 pounds. He voted yes. 6 ~ Patrick Coultrain Provost of Wigton was paid 25 pounds. Roughly 4,000 pounds today to vote yes. Not sure of his vote. 7 ~ Lord Cesnock now Polwarth received 50 pounds, today this would be about 7,000 pounds. Not sure of his vote. 8 ~ The Earl of Cromarty – Sir George MacKenzie is said to have been paid 300 pounds for his “yes” vote on The Act of Union. He voted “yes”. The 300 pounds would be worth roughly 42,000 pounds today. 9 ~ Major Cunningham of Eckatt allegedly received 100 pounds, today worth around 14,000 pounds for his “yes” vote. Not sure of his vote, yes or no. 10 ~ The Earl of Dunmoor, William Murray is said to have been paid 200 pounds for his “yes” vote on The Act of Union. He did vote “yes”. 200 pounds today is worth about 28,000 pounds. 11 ~ The Earl of Eglington, Alexander Seton Montgomerie is reputed to have been paid 200 pounds for his “yes” vote. He did vote yes. 12 ~ The Lord Elibank, Alexander Murray is said to have been paid 50 pounds for his “yes” vote on The Act of Union. He did vote yes. To that 50 pounds would be worth about 7500 pounds. 13 ~ The Earl of Findlator, James Ogilvy was supposed to have been paid 100 pounds or about 14,000 pounds in today’s money to vote yes on The Act of Union. He voted yes. 14 ~ Lord Forbes, William Forbes is reputed to have been paid 50 pounds for his “yes” vote. He did vote yes. 15 ~ The Earl of Forfar, Archibald Douglas said to have been paid 100 pounds for his “yes” vote. He did vote yes. 16 ~ Lord Fraser, Charles Fraser said to have been paid 100 pounds for his “yes” vote on The Act of Union. He did vote yes. That 100 pounds would be worth about 14,000 pounds today. 17 ~ The Earl of Glencaird, William Cunningham is said to have been paid 100 pounds for his “yes” vote on The Act of Union, but it is shown he voted NO. 18 ~ Lord Preston Hall, reputedly paid 200 pounds for his “yes” vote to The Act of Union. Not sure of his vote, but the 200 pounds would be worth about 28,000 pounds today. 19 ~ The Earl of Kintore, Sir John Keith was allegedly paid 200 pounds for his “yes” vote on The Act of Union. He did vote yes. 20 ~ The Earl of Marchmont, Patrick Hume is said to have been paid 1,104 pounds for his “yes” vote. Today this would be around 154,000 pounds. He did vote yes to the union. 21 ~ Sir Kenneth Mackenzie, said to have been paid 100 pounds for his “yes” vote. He did vote yes for The Act of Union. 22 ~ The Duke of Montrose, James Graham, reputedly paid 200 pounds to vote yes on The Act of Union. He did vote yes. 23 ~ John Muir, Provost of Ayr, was to receive 100 pounds for his “yes” vote on The Act of Union. He did vote yes. 24 ~` Lord Ormiston, John Cockburn, reputedly paid 200 pounds for his “yes” vote. He did vote yes. 25 ~ The Duke of Roxburgh, John Ker was said to have been paid 500 pounds for his “yes” vote on The Act of Union. This would be worth around 70,000 pounds today. He did vote yes. 26 ~ The Earl of Seafield, James Ogilvy, said to have been paid 490 pounds for his “yes” vote. He voted yes. 27 ~ Sir William Sharp, reportedly paid 300 pounds for a “yes” vote on The Act of Union. This would be worth about 42,000 pounds today. Not sure how he voted, but a John Sharp of Hoddam voted NO. 28 ~ Mr. Stewart of Castle Stewart, this was William Stewart, was to be paid 300 pounds for his “yes” vote. He did vote yes to the union. The 300 pounds is worth about 42,000 pounds in today’s money. 29 ~ Marquis of Tweedale, John Hay, reputedly paid 1,000 pounds for his “yes” vote to the Union. He did vote yes to The Act of Union. The 1,000 pounds would be worth about 140,000 pounds today. 30 ~ Mr. Alexander Wedderburn was to receive 75 pounds for his “yes” votes. Not sure if he voted yes or no. 75 pounds today would be worth around 11,000 pounds. 31 ~ The Duke of Queensberry, James Douglas, reportedly was to receive 12, 325 pounds. This would be worth about 2,000,000 pounds today..

When the draft Treaty of Union was made public in October 1706, there were riots on the streets of Scottish towns and cities. In Edinburgh a 'villanous and outragious mobb' threatened and insulted judges and Members of the Scottish Parliament.

In the end much of the money wasn’t paid

Under terms of the Union of the Parliaments the English Parliament sent what is know as “The Equivalent” up to Edinburgh, the lump sum was £398,085 10s to be paid in instalments, this too turned out to be a falsehood. It arrived in Edinburgh on August 5th 1707.

Counting their families and dependants, the Equivalent was being dangled under the noses of perhaps 15 per cent of Scotland’s population of one million, the ones with the titles and land. Scotland was not going bankrupt, as the history books would have you believe, 15% of the country may have been, and the middle classes were reaping the benefits of this, the landed gentry saw them buying up properties and land as they themselves needed money, the English coming along offering to solve their problems was a godsend for them.

As the anti-Union politician George Lockhart of Carnwath remarked, the Equivalent was…

‘the cleanliest Way of bribing a Nation, to undo themselves; and alas! It had the design’d Effect.’

Daniel Defoe, working in Edinburgh as an English spy, noticed how easily the Equivalent anaesthetised patriot consciences:

‘Nor among the most Malecontent persons could I ever find any, that when the Money upon the … Stock came to be paid, would think the Species Unhallowed enough to refuse their share of it.’

following excerpt from the history books reveals…….

The year 1706, before the assembling of the last Parliament, in the old hall, was peculiarly favourable to any attempt for the then exiled House of Stuart to regain the throne; for the proposed union with England had inflamed to a perilous degree the passions and the patriotism of the nation. [On 5th] August the equivalent money sent to Scotland as a blind to the people for their full participation in the taxes and old national debt of England, was pompously brought to Edinburgh in twelve great waggons, and conveyed to the Castle, escorted by a regiment of Scottish cavalry, as Defoe tells us, amid the railing, the reproaches, and the deep curses of the people, who then thought of nothing but war, and viewed the so-called equivalent as the price of their Scottish fame, liberty, and honour.

In their anathemas, we are told that they spared not the very horses which drew the waggons, and on the return of the latter from the fortress their fury could no longer be restrained, and, unopposed by the sympathising troops, they dashed the vehicles to pieces, and assailed the drivers with volleys of stones, by which many of them were severely injured.

“It was soon discovered, after all,” says Dr. Chambers, “that only £100,000 of the money was specie, the rest being in Exchequer bills, which the Bank of England had ignorantly supposed to be welcome in all parts of Her Majesty’s dominions. This gave rise to new clamours. It was said the English had tricked them by sending paper instead of money. Bills, payable 400 miles off, and which if lost or burned would be irrecoverable, were a pretty price for the obligation Scotland had come under to pay English taxes.”

So instead of the promised gold the Scots were basically sent I.O.U’s.

By 1713, the Union was so unpopular in Scotland that a motion was put forward in Westminster to bring it to an end. The question was debated in Parliament and was defeated by only four votes.

Here’s my own recital of the burns verse I recorded in 2013.

#Scotland #scottish #act of union #scotland's shame #betrayal #England #history

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stellabystarlight12 · 5 years

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John Findlater (1943-2019)

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twopointhospitalgames-blog · 5 years

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juliette-whisky-geek-blog · 5 years

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emzeciorrr · 5 years

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BEING BRITISH | A film by the people of Great Britain from Simon Mulvaney on Vimeo.

BEING BRITISH is a short-form documentary created independently by the filmmakers of Great Britain, to answer the question, 'WHAT DOES IT MEAN TO BE BRITISH?'

HAVE YOUR SAY: Website - beingbritish.uk Instagram - @beingbritishuk Twitter - @beingbritishuk

This film has been made independently, with no political, media of commercial influence.

CONCEPT: Simon Mulvaney smulvaney.tv instagram.com/smulvaneytv twitter.com/smulvaneytv vimeo.com/smulvaney youtube.com/simonmulvaney

PRODUCERS: Simon Mulvaney & Emily Brinnand emilybrinnand.com

VFX ARTIST: Michael Nixon linkedin.com/in/michaelnixoneditor

MUSIC: 'Snowflake' by Borrtex borrtex.com

SUBJECTS (in order of appearance):

SUBJECT: Anthony Gyde FILMMAKER: Simon Mulvaney SPECIAL THANKS: Darren Price & The Thompson Arms

SUBJECT: Tom Owen DIRECTOR/PRODUCER: Marc Alan Niclolson instagram.com/marcalan/ DIRECTOR OF PHOTOGRAPHY: Adam Opie adamopie.co.uk SPECIAL THANKS: The people of Newcastle

SUBJECT: Jasmine Lawrence PRODUCTION: Velvet Pictures velvetpictures.com DIRECTOR: Keith English keithenglish.work PRODUCER: Claire Cottrell velvetpictures.com DIRECTOR OF PHOTOGRAPHY: John Fry fryfilm.com SPECIAL THANKS: Film:New Forest filmnewforest.com & Regent Centre regentcentre.co.uk

SUBJECT: Rob Findlater FILMMAKER: Simon Mulvaney SPECIAL THANKS: Gary Robinson, Sally Findlater, Bevan Knight, Jack Findlater, The Anchor Pub

SUBJECT: Seun & Krystal Fabunmi FILMMAKER: Kayode Fabunmi vimeo.com/iamkayode

SUBJECT: Theo Smith FILMMAKER: Simon Mulvaney SPECIAL THANKS: Kathy Smith & NICE

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SUBJECT: Dr. Caroline Vince FILMMAKER: Simon Mulvaney SPECIAL THANKS: Handforth Grange Primary School & Mark Unwin

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topinforma · 7 years

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New Post has been published on Mortgage News

New Post has been published on http://bit.ly/2sRSY7Q

Equifax Canada Reports: Demand for Credit on the Rise as Western Canada Stabilizes

June 22, 2017

TORONTO, ONTARIO — (Marketwired) — 06/22/17 — (NYSE:EFX) – Consumer demand for credit is as high as it has ever been according to Equifax Canada’s Q1 National Consumer Credit Trends Report. When compared to the first quarter of 2016, credit inquires increased by 3.6 per cent and total consumer debt (including mortgages) climbed to $1.729 trillion, an increase of 6.9 per cent.

Canadians seem conflicted about their relationship with debt. In a recent consumer survey* commissioned by Equifax Canada, 63 per cent of Canadians said they are not comfortable with debt in general. Of those who said their debt had increased over the past three years, more than half (51 per cent) blamed expenses that have outpaced their income.

“Overall, despite increasing debt numbers, more monthly payments are being made on time and there are fewer bankruptcies,” explained Regina Malina, Senior Director of Data & Analytics at Equifax Canada. “At the same time consumers are seeking credit again after several quarters of slowing down, driven by activity in Ontario and Eastern provinces. Borrowing activity is also expanding more in these two regions but people in Newfoundland are having more difficulty making timely payments than in the other provinces.”

The 90+ day delinquency rate in Newfoundland increased by 23.8 per cent, the highest of all the provinces. Delinquency rate increases remain high in Saskatchewan (18.9 per cent), and Alberta (13.8 per cent), but they are much lower when compared to the last few quarters. Delinquency rates declined the most in Ontario (-6.1 per cent), Quebec (-5.6 per cent) and B.C. (-5.6 per cent).

In the first quarter of 2017, the average consumer debt (exclusive of mortgage debt), increased to $22,125 and the overall delinquency rate stayed at 1.15 per cent. On a debt classification basis, installment loan and auto loan sectors are showing significant increases of 8.0 per cent and 6.6 per cent year-over-year, respectively.

“While every age group continues to increase their debt obligations, seniors are slowing down on the amount of debt they are carrying,” said Malina. “Seniors were accumulating more debt last year, but this appears to be in check again. Younger generations continue to have the biggest year-over-year increases in terms of debt.”

Age Group Analysis – Debt (excluding mortgages) & Delinquency Rates

Average Debt (Q1 2017) Average Debt Change Year-over-Year (Q1 2017 vs. Q1 2016) Delinquency Rate (Q1 2017) Delinquency Rate Change Year-over-Year (Q1 2017 vs. Q1 2016) 18-25 $8,565 4.0% 1.81% 2.5% 26-35 $17,314 4.5% 1.70% 3.2% 36-45 $27,011 3.5% 1.33% 0.6% 46-55 $32,794 3.5% 0.97% -1.5% 56-65 $27,709 2.0% 0.86% -3.3% 65+ $15,045 2.8% 0.93% -5.8% Canada $22,125 2.8% 1.15% -0.1%

Major City Analysis – Debt (excluding mortgages) & Delinquency Rates

Average Debt (Q1 2017) Average Debt Change Year-over-Year (Q1 2017 vs. Q1 2016) Delinquency Rate (Q1 2017) Delinquency Rate Change Year-over-Year (Q1 2017 vs. Q1 2016) Calgary $28,840 1.8% 1.25% 15.6% Edmonton $26,836 1.6% 1.54% 16.4% Halifax $23,514 1.7% 1.60% 8.0% Montreal $17,122 1.6% 1.28% -3.0% Ottawa $21,476 2.5% 1.02% 0.6% Toronto $20,913 4.4% 1.24% -6.0% Vancouver $24,619 3.8% 0.77% -9.5% St. John’s $24,902 2.5% 1.49% 27.0% Fort McMurray $37,345 1.7% 1.65% 4.0%

Province Analysis – Debt (excluding mortgages) & Delinquency Rates

Average Debt (Q1 2017) Average Debt Change Year-over-Year (Q1 2017 vs. Q1 2016) Delinquency Rate (Q1 2017) Delinquency Rate Change Year-over-Year (Q1 2017 vs. Q1 2016) Ontario $22,022 4.0% 1.04% -6.1% Quebec $18,617 2.4% 1.03% -5.6% Nova Scotia $22,229 2.5% 1.81% 8.2% New Brunswick $22,828 3.3% 1.75% 1.6% PEI $22,131 2.7% 1.44% -0.5% Newfoundland $23,314 2.9% 1.55% 23.8% Eastern Region $22,650 2.8% 1.71% 8.3% Alberta $27,871 1.4% 1.48% 13.8% Manitoba $18,312 2.5% 1.32% 10.6% Saskatchewan $24,462 2.4% 1.39% 18.9% British Columbia $23,522 1.5% 0.94% -5.6% Western Region $24,640 1.6% 1.23% 6.9% Canada $22,125 2.8% 1.15% -0.1%

Data for the Equifax Canada Q1 National Consumer Credit Trends Report, including scores, is sourced from Equifax Canada, the repository of the majority of credit transactions that occur in Canada. There are over 25 million unique Equifax consumer credit files. Transaction volumes for data are estimated at 105 million per month. Information provided in this report was adjusted to ensure that quarterly data reflects the results as of the last month of each quarter.

*An online survey of 1583 Canadians was completed between April 17-20, 2017 using Leger’s online panel, Léger Web. A probability sample of the same size would yield a margin of error of +/- 2.5%, 19 times out of 20

About Equifax

Equifax powers the financial future of individuals and organizations around the world. Using the combined strength of unique trusted data, technology and innovative analytics, Equifax has grown from a consumer credit company into a leading provider of insights and knowledge that helps its customers make informed decisions. The company organizes, assimilates and analyzes data on more than 820 million consumers and more than 91 million businesses worldwide, and its databases include employee data contributed from more than 7,100 employers.

Headquartered in Atlanta, Ga., Equifax operates or has investments in 24 countries in North America, Central and South America, Europe and the Asia Pacific region. It is a member of Standard & Poor’s (S&P) 500® Index, and its common stock is traded on the New York Stock Exchange (NYSE) under the symbol EFX. Equifax employs approximately 9,500 employees worldwide.

Some noteworthy achievements for the company include: Ranked 13 on the American Banker FinTech Forward list (2015); named a Top Technology Provider on the FinTech 100 list (2004-2015); named an InformationWeek Elite 100 Winner (2014-2015); named a Top Workplace by Atlanta Journal Constitution (2013-2015); named one of Fortune’s World’s Most Admired Companies (2011-2015); named one of Forbes’ World’s 100 Most Innovative Companies (2015). For more information, visit www.equifax.com.

Andrew FindlaterSELECT Public Relations [email protected] (416) 659-1197 Tom CarrollMedia Relations Equifax Canada [email protected] (416) 227-5290

Source: Equifax Canada

News Provided by Acquire Media

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scotianostra · 5 years

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On 16th January 1707 the Scottish Parliament agreed the Treaty of Union by 110 votes to 67.

The debate preceding it was carried out against a backdrop of growing anti-union unrest across Scotland. The outcome was driven by economic necessity, by overt compensation for Scotland's national debts and the losses of Darien investors, and, also by covert bribes for key participants.

Robert Burns' claim that the Union of England and Scotland (and hence the dissolution of the Scottish Parliament) was brought about by the Scots members being "bought and sold for English gold" was largely accurate – bribery and parliamentary division combined with wider economic imperatives, partly arising from the disaster of the Darien Scheme, enabling the Crown to incorporate a Union with England in the Acts of Union 1707 which brought into existence the Parliament of Great Britain. Forty-five Scots were added to the 513 members of the House of Commons and 16 Scots to the 190 members of the House of Lords.

1 ~ Lord Anstruther, Sir William Anstruther was paid 300 pounds to vote “yes” on The Act of Union 1707. He voted yes. The 300 pounds received is today worth around 42,000 pounds. 2 ~ The Duke of Athol, James Murry was allegedly paid 1,000 pounds to vote yes for The Act of Union in 1707, but today’s listings show he voted “NO”. 3 ~ Earl of Balcarres – Cohn Lindsay is said to have been paid 500 pounds for his vote “yes” in 1707, vote on The Act of Union. This would be worth about 70,000 pounds in today’s money. He did vote yes. 4 ~ Lord Banff – George Ogilvy was paid to vote yes on The Act of the Union. He did vote yes. 5 ~ Mr. John Campbell was paid 200 pounds to vote yes. This amount today is worth about 30,000 pounds. He voted yes. 6 ~ Patrick Coultrain Provost of Wigton was paid 25 pounds. Roughly 4,000 pounds today to vote yes. Not sure of his vote. 7 ~ Lord Cesnock now Polwarth received 50 pounds, today this would be about 7,000 pounds. Not sure of his vote. 8 ~ The Earl of Cromarty – Sir George MacKenzie is said to have been paid 300 pounds for his “yes” vote on The Act of Union. He voted “yes”. The 300 pounds would be worth roughly 42,000 pounds today. 9 ~ Major Cunningham of Eckatt allegedly received 100 pounds, today worth around 14,000 pounds for his “yes” vote. Not sure of his vote, yes or no. 10 ~ The Earl of Dunmoor, William Murray is said to have been paid 200 pounds for his “yes” vote on The Act of Union. He did vote “yes”. 200 pounds today is worth about 28,000 pounds. 11 ~ The Earl of Eglington, Alexander Seton Montgomerie is reputed to have been paid 200 pounds for his “yes” vote. He did vote yes. 12 ~ The Lord Elibank, Alexander Murray is said to have been paid 50 pounds for his “yes” vote on The Act of Union. He did vote yes. To that 50 pounds would be worth about 7500 pounds. 13 ~ The Earl of Findlator, James Ogilvy was supposed to have been paid 100 pounds or about 14,000 pounds in today’s money to vote yes on The Act of Union. He voted yes. 14 ~ Lord Forbes, William Forbes is reputed to have been paid 50 pounds for his “yes” vote. He did vote yes. 15 ~ The Earl of Forfar, Archibald Douglas said to have been paid 100 pounds for his “yes” vote. He did vote yes. 16 ~ Lord Fraser, Charles Fraser said to have been paid 100 pounds for his “yes” vote on The Act of Union. He did vote yes. That 100 pounds would be worth about 14,000 pounds today. 17 ~ The Earl of Glencaird, William Cunningham is said to have been paid 100 pounds for his “yes” vote on The Act of Union, but it is shown he voted NO. 18 ~ Lord Preston Hall, reputedly paid 200 pounds for his “yes” vote to The Act of Union. Not sure of his vote, but the 200 pounds would be worth about 28,000 pounds today. 19 ~ The Earl of Kintore, Sir John Keith was allegedly paid 200 pounds for his “yes” vote on The Act of Union. He did vote yes. 20 ~ The Earl of Marchmont, Patrick Hume is said to have been paid 1,104 pounds for his “yes” vote. Today this would be around 154,000 pounds. He did vote yes to the union. 21 ~ Sir Kenneth Mackenzie, said to have been paid 100 pounds for his “yes” vote. He did vote yes for The Act of Union. 22 ~ The Duke of Montrose, James Graham, reputedly paid 200 pounds to vote yes on The Act of Union. He did vote yes. 23 ~ John Muir, Provost of Ayr, was to receive 100 pounds for his “yes” vote on The Act of Union. He did vote yes. 24 ~` Lord Ormiston, John Cockburn, reputedly paid 200 pounds for his “yes” vote. He did vote yes. 25 ~ The Duke of Roxburgh, John Ker was said to have been paid 500 pounds for his “yes” vote on The Act of Union. This would be worth around 70,000 pounds today. He did vote yes. 26 ~ The Earl of Seafield, James Ogilvy, said to have been paid 490 pounds for his “yes” vote. He voted yes. 27 ~ Sir William Sharp, reportedly paid 300 pounds for a “yes” vote on The Act of Union. This would be worth about 42,000 pounds today. Not sure how he voted, but a John Sharp of Hoddam voted NO. 28 ~ Mr. Stewart of Castle Stewart, this was William Stewart, was to be paid 300 pounds for his “yes” vote. He did vote yes to the union. The 300 pounds is worth about 42,000 pounds in today’s money. 29 ~ Marquis of Tweedale, John Hay, reputedly paid 1,000 pounds for his “yes” vote to the Union. He did vote yes to The Act of Union. The 1,000 pounds would be worth about 140,000 pounds today. 30 ~ Mr. Alexander Wedderburn was to receive 75 pounds for his “yes” votes. Not sure if he voted yes or no. 75 pounds today would be worth around 11,000 pounds. 31 ~ The Duke of Queensberry, James Douglas, reportedly was to receive 12, 325 pounds. This would be worth about 2,000,000 pounds today.

#Scotland #england #Act of Union #bribed #History

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Equifax Canada Reports: Consumer Appetite for Credit Grows as Total Debt Climbs to $1.718 Trillion

March 15, 2017

TORONTO, ONTARIO–(Marketwired – March 15, 2017) – (NYSE:EFX) – Total consumer debt held by Canadians (including mortgages) now stands at $1.718 trillion, an increase of six per cent compared to the final quarter of 2015, according to Equifax Canada’s National Consumer Credit Trends Report.

The report also indicates that while the majority of consumers are decreasing their debt (46 per cent), those that are still increasing it (37 per cent) are adding a larger amount on average. On a debt classification basis, auto loans and installment loans are showing significant increases of 7.9 per cent and 7.8 per cent year-over-year, respectively. Another key contributor is the mortgage sector.

“Demand for credit is increasing in Ontario, New Brunswick and Nova Scotia,” said Regina Malina, Senior Director of Data & Analytics at Equifax Canada. “It’s too early to call it a trend, but there’s also a renewed appetite for credit in Western Canada. All four provinces saw increased credit inquiries at the end of 2016.”

Debt, meanwhile, is increasing among seniors (+6.1 per cent) and with consumers with better risk scores (+5.1 per cent). The highest risk group did not grow significantly (+0.2 per cent), the lowest increase since Q4 of 2013.

Delinquencies continue to climb in the oil patch provinces of Alberta, Saskatchewan and Newfoundland. Eastern and Western regions have been leading the way in terms of delinquency after the Western region lost its place as the lowest delinquency region at the end of 2015. Credit card delinquency rates have been increasing all of 2016. By contrast, the auto delinquency rate decreased (-4.9 per cent) for the first time since Q2 of 2012.

Debt (excluding mortgages) & Delinquency Rates

---------------------------------------------------------------------------- Delinquency Average Debt Rate Change Change Year- Year-over-Year Delinquency over-Year Average Debt (Q4 2016 vs. Rate (Q4 2016 vs. (Q4 2016) Q4 2015) (Q4 2016) Q4 2015) ---------------------------------------------------------------------------- 18-25 $8,470 1.9% 1.64% 8.6% ---------------------------------------------------------------------------- 26-35 $17,091 2.7% 1.68% 9.9% ---------------------------------------------------------------------------- 36-45 $26,663 1.8% 1.34% 6.7% ---------------------------------------------------------------------------- 46-55 $32,654 3.3% 0.98% 2.4% ---------------------------------------------------------------------------- 56-65 $27,892 3.2% 0.86% 2.2% ---------------------------------------------------------------------------- 65+ $15,244 6.1% 0.93% -2.7% ---------------------------------------------------------------------------- Canada $22,113 3.1% 1.14% 4.6% ----------------------------------------------------------------------------

Major City Analysis – Debt (excluding mortgages) & Delinquency Rates

---------------------------------------------------------------------------- Delinquency Average Debt Rate Change Change Year- Year-over-Year Delinquency over-Year Average Debt (Q4 2016 vs. Rate (Q4 2016 vs. (Q4 2016) Q4 2015) (Q4 2016) Q4 2015) ---------------------------------------------------------------------------- Calgary $28,927 1.8% 1.26% 28.8% ---------------------------------------------------------------------------- Edmonton $26,923 1.7% 1.52% 33.5% ---------------------------------------------------------------------------- Halifax $23,680 2.2% 1.50% 4.6% ---------------------------------------------------------------------------- Montreal $17,124 2.5% 1.27% -1.1% ---------------------------------------------------------------------------- Ottawa $21,542 3.1% 0.99% 1.6% ---------------------------------------------------------------------------- Toronto $20,857 4.7% 1.24% -2.6% ---------------------------------------------------------------------------- Vancouver $24,487 4.6% 0.77% -10.9% ---------------------------------------------------------------------------- St. John's $25,143 3.0% 1.34% 22.3% ---------------------------------------------------------------------------- Fort McMurray $37,739 2.0% 1.62% 23.0% ----------------------------------------------------------------------------

Province Analysis – Debt (excluding mortgages) & Delinquency Rates

---------------------------------------------------------------------------- Average Debt Delinquency Change Rate Change Year-over-Year Delinquency Year-over-Year Average Debt (Q4 2016 vs. Rate (Q4 2016 vs. (Q4 2016) Q4 2015) (Q4 2016) Q4 2015) ---------------------------------------------------------------------------- Ontario $21,948 4.2% 1.03% -3.8% ---------------------------------------------------------------------------- Quebec $18,618 3.0% 1.02% -2.5% ---------------------------------------------------------------------------- Nova Scotia $22,353 3.0% 1.74% 8.5% ---------------------------------------------------------------------------- New Brunswick $22,924 3.7% 1.71% 3.8% ---------------------------------------------------------------------------- PEI $22,184 3.3% 1.43% 0.3% ---------------------------------------------------------------------------- Newfoundland $23,523 3.3% 1.43% 25.7% ---------------------------------------------------------------------------- Eastern Region $22,780 3.3% 1.64% 9.4% ---------------------------------------------------------------------------- Alberta $27,989 1.5% 1.49% 31.1% ---------------------------------------------------------------------------- Manitoba $18,421 2.8% 1.28% 16.6% ---------------------------------------------------------------------------- Saskatchewan $24,566 2.6% 1.35% 27.5% ---------------------------------------------------------------------------- British Columbia $23,448 1.8% 0.95% -3.4% ---------------------------------------------------------------------------- Western Region $24,675 1.8% 1.23% 16.2% ---------------------------------------------------------------------------- Canada $22,113 3.1% 1.14% 4.6% ----------------------------------------------------------------------------

Data for this report, including scores, is sourced from Equifax Canada, the repository of the majority of credit transactions that occur in Canada. There are over 25 million unique Equifax consumer credit files. Transaction volumes for data are estimated at 105 million per month. Information provided in this report was adjusted to ensure that quarterly data reflects the results as of the last month of each quarter.

About Equifax

Headquartered in Atlanta, Ga., Equifax operates or has investments in 24 countries in North America, Central and South America, Europe and the Asia Pacific region. It is a member of Standard & Poor’s (S&P) 500(R) Index, and its common stock is traded on the New York Stock Exchange (NYSE) under the symbol EFX. Equifax employs approximately 9,400 employees worldwide.

FOR FURTHER INFORMATION PLEASE CONTACT: Andrew Findlater SELECT Public Relations [email protected] (416) 659-1197 Tom Carroll Media Relations Equifax [email protected] (416) 227-5290 Source: Equifax Canada

News Provided by Acquire Media

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