80-Hour Financial Modeling Training Course

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80-Hour Financial Modeling Training Curriculum
free yearly credit history
Image by Global Game Jam

GLOBAL FINANCE INSTITUTE

Investment Banking and Personal Equity Instruction

Business, University, General, and Individual Products

Areas in Nyc, Sao Paulo, London, Dubai, and Tokyo

To find out more, kindly check out our site at: www.finance-institute.com

ON-SITE & ONLINE COURSES

We provide on-site and online monetary training; for working professionals,
students, and folks in career transition with a particular curiosity about the area
of investment financial, exclusive equity, or corporate finance. Our online courses
provide same precise content offered inside our classes held at our physical locations
worldwide. For more information, on the best way to sign up for some of our classes,
including our leading 80-hour training curriculum, kindly call the positioning closest
you.

80- HOUR TRAINING COURSE

We offer several investment and monetary training designed for
Associate Level (Post-MBA) and Analyst degree (Pre-MBA) specialists and prospects
in the area of private equity, mezzanine finance, investment capital, and hedge
fund investing; and financial investment financial and corporate finance. Based
regarding standard of expert knowledge, time commitment, and money
of the individual, we provide different options for people
enthusiastic about participating in one or more, of your preparatory classes (basic,
intermediate, and advanced). Our training programs could be offered at different
periods throughout the educational and twelve months. These classes are taught
by a few of the most experienced, knowledgeable, and respected professionals
into the financial investment neighborhood, just who lend their personal time and energy to teaching others
the art and research behind major investing, while assisting them attain
their maximum profession potential. To offer an actual feeling of the complexity and
level of our training curriculum, a graduate degree (MBA), or college degree (Bachelor’s)
course, is the same as nearly 100 hours of lecture time if signed up for a
3.0 credit training course at a certified college (3 hours per course
x 2 meetings per week x 16 months per semester = 96 hours overall). Consequently,
we securely think that any such thing less than 80 hours of live classroom involvement
is probably a waste of the time, money, and energy; the reason why we provide
the longest and a lot of advanced training course currently available on Wall
Street, covering all aspects associated with financial investment process from starting to end;
including bargain sourcing and fund-raising, financial modeling and valuation
evaluation, as well as profile management and asset monetization. As an
example, we make an effort to focus on that when it comes to making an educated financial investment
choice, we do not simply offer our pupils with a so called spreadsheet
“template” or “shell” in order to carry out their particular economic analysis, but alternatively,
we perform all monetary evaluation by building our economic designs totally
from scrape; by utilizing the essential relevant lookup, financial, statistical,
guide, and mathematical features in MS Excel (50 different commands in
total). Within respect, many professionals would agree totally that, it is crucial for
the student of finance to possess sufficient time and energy to discover, process, thereby applying this
recently obtained understanding and information, before previously aiming to become an effective
professional, and on occasion even a fund manager. Below we provided a selected number
of subjects covered within our classes, but also for additional information, we encourage everybody else
to go to our site:

Course Curriculum: www.finance-institute.com/curriculum.html | Course
Schedule: www.finance-institute.com/schedule.html

FUNDING SUBJECTS (LBO Analysis)

¦ money report, income and Balance Sheet (historic & Projected numbers)

¦ Sources & Uses of Funds (Pro-Forma corrections, Internal and External Financing)

¦ financial obligation evaluation (Senior Debt, Subordinated Debt, Mezzanine Debt and Convertible
Financial Obligation)

¦ Equity Analysis (Popular Equity, Convertible Preferred Equity, Typical Inventory
Equity)

¦ income Sweep Analysis (planned & Non-Scheduled Capital & Funding responsibilities)

¦ Working Capital & Non-Capex Related Investments (present & Non-Current records)

¦ Capex Investments and D&A Plan (real & Intangible Book/Tax Capitalization)

¦ Debt rates Matrix (IRR Optimization for Convertible and Non-Convertible
Debt)

¦ Equity Pricing Matrix (IRR Optimization for Convertible and Non-Convertible
Equity)

¦ IRR Analysis (charges, Interest, main, Warrants, Payouts, Dividends and
Exit Valuation)

VALUATION TOPICS (M&A Evaluation)

¦ cost review (Enterprise & Equity Valuation)

¦ Marketplace Multiple Valuation (Current Valuation Quotes)

¦ Transaction Several Valuation (Historical Valuation Quotes)

¦ totally free cashflow Valuation (Exit several & Perpetuity Growth Method)

¦ web Asset & Book Valuation (Tangible Value and Liquidation situation)

¦ MarketCapitalizationRange (IPO Price and Current Market Valuation)

¦ Other Valuation Methodologies (15 alternate options for Equity Valuation)

¦ Control Premium Determination and Break-Even profits & Ability-to-Pay Analysis

¦ Accretion/Dilution research (PF money & Non-Cash corrections & Earnings Estimates)

¦ Ownership & Share review (typical and Preferred, Basic and Fully-Diluted
Stocks)

¦ Equity Valuation & rates Matrix (Statistical number also called the “Football
Field”)

BASIC TOPICS (Financial Modeling)

¦ Financial Statement Analysis (10-K, 10-Q, yearly, Semiannual and Interim
Reports)

¦ Statistical Analysis (LTM, LQA, Calendarized, Annualized and Projected quotes)

¦ Ratio research (Leverage, Coverage, Valuation and gratification Analysis)

¦ running testing (Growth, Margin, Multiple and Dollar Figure Analysis)

¦ Weighted Normal price of Capital (financial obligation, Equity and Preferred frameworks)

¦ Weighted Average price of Debt (Pre-Tax and After Tax Cost of Debt Calculation)

¦ taxation research (Cash fees, Deferred Taxes, NOL Calculation & Deductible expenditures)

¦ sensitiveness & instance Scenario Analysis (working, Financial and Strategic
Assumptions)

¦ Stub-Period Calculation (Partial Fiscal/Calendar 12 months Estimate of Financial
Statements)

¦ Business Drivers (Customer, Transportation, Industrials, Utilities, Media
and Healthcare)

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The Best
Financial and Investment Training company on the planet (Since 1998)

MBA Financial Modeling Program (NYC and London)
free yearly credit report
Image by Global Game Jam

PRIVATE EQUITY & INVESTMENT CAPITAL

80-Hour Course Made For Business Experts

Corporate, University, General, and Individual Programs

On-Site Locations in Ny, London, Dubai, Tokyo, Sao Paulo

For more information, please check out our internet site at www.lboeducation.com

ON-SITE & ON-LINE COURSES

We provide on-site and on-line monetary education; for working specialists,
students, and people in profession transition with a particular fascination with the field
of investment financial, private equity, or business finance. Our online classes
offer the exact same precise content supplied within courses held at our physical places
internationally. To learn more, about how to sign up for any of our classes,
including our flagship 80-hour training course, kindly call the location closest
you.

80- HR TRAINING CURRICULUM

You can expect a wide selection of investment and financial instruction designed for
Connect degree (Post-MBA) and Analyst amount (Pre-MBA) experts and prospects
in neuro-scientific exclusive equity, mezzanine finance, investment capital, and hedge
investment investing; besides financial investment banking and corporate finance. Depending
in the degree of professional knowledge, time commitment, and money
of each and every person, currently various choices for people
interested in participating in several, of our preparatory programs (basic,
advanced, and higher level). Our training programs could be offered at various
periods through the entire scholastic and twelve months. These courses tend to be taught
by a few of the most experienced, knowledgeable, and respected professionals
into the investment neighborhood, just who lend their particular personal time and energy to training others
the art and research behind main investing, while assisting all of them attain
their optimum profession potential. To produce a genuine sense of the complexity and
depth of our training program, a graduate degree (MBA), or university degree (Bachelor’s)
course, is the same as almost 100 hours of lecture time if enrolled in a
3.0 credit program at a certified college (3 hours per class
x 2 conferences each week x 16 months per semester = 96 hours overall). Thus,
we firmly genuinely believe that any such thing significantly less than 80 hours of real time class room participation
is simply a waste period, money, and energy; the good reason why you can expect
the longest and most sophisticated training course available today on Wall
Street, covering all aspects of financial investment procedure from starting to end;
including package sourcing and fund raising, financial modeling and valuation
evaluation, as well as portfolio management and asset monetization. As an
example, we attempt to stress that when it comes to making the best financial investment
choice, we try not to just provide our students with a so named spreadsheet
“template” or “shell” in order to conduct their monetary evaluation, but instead,
we perform all monetary evaluation by building our financial models totally
from scratch; with the use of probably the most relevant lookup, monetary, statistical,
guide, and mathematical features in MS Excel (50 various commands in
total). Within value, many specialists would concur that, its crucial for
the student of finance to have sufficient time for you learn, process, thereby applying your
newly acquired understanding and information, before ever looking to be a fruitful
expert, and even an investment manager. Below we’ve offered a selected list
of topics covered within our classes, but also for more info, we encourage everyone else
to visit our web site:

Course Curriculum: www.lboeducation.com/curriculum.html | Class
Plan: www.lboeducation.com/schedule.html

FINANCING SUBJECTS (LBO Evaluation)

¦ Income Statement, cashflow and Balance Sheet (Historical & Projected numbers)

¦ resources & Uses of Funds (Pro-Forma modifications, Internal and External Financing)

¦ Debt Analysis (Senior Debt, Subordinated Debt, Mezzanine Debt and Convertible
Financial Obligation)

¦ Equity Research (Preferred Equity, Convertible Popular Equity, Typical Inventory
Equity)

¦ income Sweep research (Scheduled & Non-Scheduled Capital & Funding responsibilities)

¦ working-capital & Non-Capex Related assets (Current & Non-Current Accounts)

¦ Capex Investments and D&A Plan (Tangible & Intangible Book/taxation Capitalization)

¦ Debt Pricing Matrix (IRR Optimization for Convertible and Non-Convertible
Financial Obligation)

¦ Equity Pricing Matrix (IRR Optimization for Convertible and Non-Convertible
Equity)

¦ IRR Analysis (charges, Interest, Principal, Warrants, Payouts, Dividends and
Exit Valuation)

VALUATION SUBJECTS (M&A Evaluation)

¦ Purchase Price review (Enterprise & Equity Valuation)

¦ Market Multiple Valuation (Present Valuation Estimates)

¦ Transaction Multiple Valuation (Historical Valuation Estimates)

¦ totally free income Valuation (Exit several & Perpetuity Growth Process)

¦ Net resource & Book Valuation (Tangible Value and Liquidation Scenario)

¦ MarketCapitalizationRange (IPO Price and Current Market Valuation)

¦ various other Valuation Methodologies (15 alternate options for Equity Valuation)

¦ Control Premium Determination and Break-Even profits & Ability-to-Pay Analysis

¦ Accretion/Dilution Analysis (PF Cash & Non-Cash modifications & Earnings Estimates)

¦ Ownership & Share testing (typical and Preferred, Basic and Fully-Diluted
Stocks)

¦ Equity Valuation & rates Matrix (Statistical Range also called the “Football
Field”)

GENERAL SUBJECTS (Monetary Modeling)

¦ statement of finance research (10-K, 10-Q, yearly, Semiannual and Interim
Reports)

¦ Statistical Analysis (LTM, LQA, Calendarized, Annualized and Projected Estimates)

¦ Ratio testing (influence, Coverage, Valuation and gratification testing)

¦ running research (development, Margin, several and Dollar Figure Analysis)

¦ Weighted typical price of Capital (financial obligation, Equity and Preferred Structures)

¦ Weighted typical Cost of financial obligation (Pre-Tax and After taxation Cost of Debt Calculation)

¦ Tax Analysis (money fees, Deferred Taxes, NOL Calculation & Deductible Expenses)

¦ susceptibility & instance Scenario Analysis (Operating, Financial and Strategic
Assumptions)

¦ Stub-Period Calculation (Partial Fiscal/Calendar 12 months Estimate of Financial
Statements)

¦ Industry Motorists (Consumer, Transport, Industrials, Utilities, Media
and medical)

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To unsubscribe kindly deliver us an email to sellingandmarketingsolutions@gmail.com(for
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JAXPORT Gallery Opening Reception: Transformation Through Transportation by Cathedral Arts Project
free yearly credit report
Image by JAXPORT
6.24.12
"whenever our class visited JAXPORT, we were capable see and read about many brand-new and unknown things. Per pupil various things sparked interest or determination. Some were prompted by the railway automobiles and train tracks, some the marsh land although some had been empowered because of the boats and cranes. Students sketched that which inspired all of them and talked about the subject of this determination with each other.

We brought all of our individual experiences and inspirations into the class and exactly what appeared ended up being an overarching concept of textures, forms and habits that were a part of the many places. Being emphasize these textures and habits, the pupils developed printmaking blocks by carving their designs into foam sheets. They then utilized a conventional publishing process to print these blocks to the pieces the thing is on screen. With this specific procedure, the picture is imprinted several times.

Previously in the year, our course learned Origami, japan traditional art of paper-folding. In this research we produced paper cranes (birds). Using the future JAXPORT tv show, we wished to honor the birds and wildlife of JAXPORT additionally the marsh places that surround it whilst showcasing their environmentally mindful practices by producing report cranes utilizing old annual reports directed at us by JAXPORT. We produced some on unpainted paper plus some report we painted with watercolor shows, after that created the cranes. We desired these to look like these people were a flock of wild birds traveling through gallery.

As one last art bit of our class and a culmination of our JAXPORT knowledge, the students had the ability to create a form of art piece about JAXPORT using acrylic paint and a "reverse color" artwork technique in order to develop even more depth and desire for the art piece."

Laurie Brown, Cathedral Arts Teacher

The eyesight at Cathedral Arts is for every kid having usage of a well-rounded, arts-rich education that endows his / her spirit using the imagination, self-esteem and power of character that inspires great management and a might to succeed. Cathedral Arts provides twice-weekly after-school and summer time programs in dance, music, crisis and artistic arts to 1,450 students throughout Jacksonville annually. Regions of instruction consist of ballet, West African party, drumming, violin, chorus, acting, artwork, sculpture and ceramics.

For additional information and/or images, be sure to contact Meredith Fordham Hughes by e-mail or by phone at (904) 357-3052.

About JAXPORT Gallery
Located on the first-floor of JAXPORT Headquarters, the Gallery functions regional artists turning on a bi-monthly basis. JAXPORT Gallery is available during regular JAXPORT Headquarters hours and entry is no-cost. Find out more about JAXPORT additionally the Arts.

Photo credit: JAXPORT, Meredith Fordham Hughes

Getting your free credit history AnnualCreditReport.com

How to get your free credit file AnnualCreditReport.com

The Fair credit rating Act (FCRA) calls for each of the all over the country credit scoring businesses — Equifax, Experian, and TransUnion — to offer a free backup of your credit report, at your demand, once every 12 months. The FCRA promotes the precision and privacy of data within the data regarding the country’s credit rating organizations. The Federal Trade Commission (FTC), the nation’s consumer security agency, enforces the FCRA pertaining to credit rating businesses.

a credit file includes informative data on your location, the way you pay your expenses, and whether you have been sued or have actually recorded for personal bankruptcy. Nationwide credit scoring companies offer the details within report to creditors, insurers, businesses, also companies that put it to use to evaluate your programs for credit, insurance, work, or renting property.

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The three across the country credit reporting organizations have put up a central site, a toll free telephone number, and a mailing address whereby you can easily order your no-cost yearly report.

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You may order your reports from each of the three all over the country credit scoring organizations in addition, or you can order your report from all the businesses one-by-one. The law enables you to order one no-cost backup of one’s report from all the nationwide credit rating businesses every one year.
Movie Rating: / 5

Image from page 730 of “yearly report for the Town of Andover” (1915)

Check out these free yearly credit history images:

Image from web page 730 of “Annual report of the Town of Andover” (1915)
free yearly credit file
Image by Web Archive Book Images
Identifier: annualreporto19151920ando
Title: Annual report of the Town of Andover
Year: 1915 (1910s)
Writers: Andover (Size.)
Subjects: Finance, Public–Massachusetts–Andover Andover (Mass.)–Appropriations and expenses
Publisher: The Town
Adding Library: Memorial Hall Library
Digitizing Sponsor: Federally funded with LSTA funds through Massachusetts Board of Library Commissioners

See Book Page: Book audience
About This Book: Catalog Entry
View All Photos: All Photos From Book

Click the link to view book on the web to see this example in context in a browseable web version of this guide.

Text Appearing Before Image:
* ir-j y—iir>*-* O* — C*5 -sh »-* co ■ *—• 1/3 vO © CM IT) CM CMCM©CM4^ C U IT. ■ fit « 5 3 co . – CO u ^c 4-> . C3 ^ C o t* c.. aj 5 a to a> J,. cjoC —SCO c o i- £ ecu. -, *- U > << — QJ i- «; — r3 0 P u – c o 9 c . ^ J.cdU * 6—tl/J 131 co tr. FINANCIAL STATEMENT Appropriation March 5, 1917 Highway division 500 00 Sprinkling 1876 46 Lowell Street 2500 00 Massachusetts Highway Commission 2480 84 Essex County * 2480 84 Credits 2897 61 S48735 75Overdrawn 3400 34 Total Expenditures 852136 09 Expenditures repair 820222 54 building 12199 06 Snow 2940 65 Drains 1670 35 pavements and curbing 7660 98 Lowell Street 7442 51 S52136 09 136 09 Overdrawn, shown by Town Treasurer perhaps not obtaining theFranchise or Excise taxation. 31 CITY OF ANDOVER ANNUAL REPORT OF Receipts and expenses

Text Appearing After Image:
WMIIIHIllWf**0^ THE FISCAL SEASON ENDING DECEMBER 31, 1918 ANDOVER, MASS. THE ANDOVER PRESS1919 ITEMS Almshouse Expenses 55 Personal Property at 59 Relief regarding 59 fixes on 57 Superintendents Report 65 Aiding Mothers 58 Animal Inspector 70 Appropriations, 1918 16 Art Gallery 128 Assessors Report 61 Assets 83 Auditors Report 90 Board of Health 37, 72 Board of Public Functions Appendix Sewer Sinking Funds 44 liquid Sinking Funds 44 Bonds, Redemption of 49 Brush Fires 34 enthusiasts Account 81 Cornell Fund 71 County taxation 45 puppy Tax 45 Dump, Care of 50 Fire division 31, 62 Finance Committee 91 G. A. R. Post, 99 44 Hay Scales 42 Insurance 42 Interest 48 Jury record 103 debts 83 Memorial Da) 43 Memorial Hall Library 44, 105 Librarians Report 110 Miscellaneous 51 Moth Superintendents Report 69 Moth Suppression 39 New high-school 27 Notes offered 46 records Paid 47 Overseers of this Poor 53 Old Schoolhouse, Ballardvale 26 Police 35, 64 Printing and Stationery 38 Punchard totally free class, Report

Note About Photos
Please note these pictures are obtained from scanned page pictures that could have been digitally enhanced for readability – coloration and appearance of those illustrations might not perfectly look like the original work.

Gianni Pittella, accountable for drafting the EP’s tips about the ECB’s 2012 yearly report
free annual credit history
Image by European Parliament
Parliament held its annual discussion on the European Central Bank’s activites along with its President, Mario Draghi, from 9 a.m. on Thursday. MEPs voted on a resolution that will simply take stock for the ECB’s activities in 2012 and work out suggested statements on the way the ECB should step-up its tasks, particularly to aid the real economic climate and small enterprises recover from the crisis.

Read more: www.europarl.europa.eu/news/en/news-room/content/20131212…

These photographs are copyright free, but needs to be credited: © European Union 2013 – European Parliament. (Attribution-NonCommercial-NoDerivs Creative Commons permit). If you’d like high resolution files never hesitate to call us. Kindly don’t forget to send the link or a copy of publication to us: webcom-flickr(AT)europarl.europa.eu

JAXPORT Gallery Opening Reception: Change Via Transport by Basilica Arts Job

Some amazing totally free yearly credit rating record pictures:

JAXPORT Gallery Opening Reception: Makeover With Transportation by Cathedral Arts Job
free annual credit report
< img alt=" totally free annual credit scores record" src=" https://www.credit-report-online.net/wp-content/uploads/2017/03/7466589376_4359b439d8.jpg" size=" 400"/ >
Photo by< "a href=" http://www.flickr.com/photos/24847875@N05/7466589376" > JAXPORT 6.28.12″ When our course visited JAXPORT, we were able to see and also discover several new and also unfamiliar things. For every trainee various things stimulated passion or ideas. Some were motivated by the rail cars and trucks as well as train tracks, some the marsh land while others were influenced by the ships and also cranes. Students laid out that which influenced them as well as went over the subject of this motivation with each other. We brought each of our individual experiences and also inspirations into the classroom as well as exactly what emerged was an overarching concept of structures, forms and also patterns that belonged of the numerous views. In order to highlight these textures and patterns, the pupils developed printmaking blocks by sculpting their designs right into foam sheets. They then made use of a traditional printing procedure to publish these blocks into the pieces you see on display screen. With this procedure, the image could be published multiple times. Previously in the year, our class examined Origami, the Japanese traditional art of paper folding. Throughout this research study we created paper cranes (birds). With the upcoming JAXPORT program, we wished to recognize the birds as well as wild animals of JAXPORT as well as the marsh lands that surround it while additionally highlighting their eco conscious techniques by developing paper cranes utilizing old yearly reports offered to us by JAXPORT. We created some on unpainted paper and some paper we painted with watercolor paints, then created the cranes. We wanted these to look like they were a flock of birds flying via the gallery.

As a final art piece of our class and a conclusion of our JAXPORT experience, the trainees had the ability to develop an art piece regarding JAXPORT using acrylic paint and a “” reverse color” “painting technique in order to develop even more depth and interest in the art piece.””

. Laurie Brown, Cathedral Arts Instructor.

The vision at Cathedral Arts is for every youngster to have accessibility to a well-rounded, arts-rich education that enhances his/her spirit with the creativity, self-confidence and self-control that influences fantastic leadership and also a will to be successful. Basilica Arts gives twice-weekly after-school as well as summer season programs in dancing, music, dramatization and visual arts to 1,450 pupils throughout Jacksonville every year. Areas of guideline consist of ballet, West African dancing, drumming, violin, carolers, acting, paint, sculpture and ceramics.

For extra info and/or images, please get in touch with Meredith Fordham Hughes by email or by phone at -LRB-904-RRB- 357-3052.

Regarding JAXPORT Gallery.
Located on the very first flooring of JAXPORT Headquarters, the Gallery features local musicians rotating on a bi-monthly basis. JAXPORT Gallery is open throughout typical JAXPORT Headquarters hrs and admission is free. Find out more about JAXPORT and also the Arts.

Image debt: JAXPORT, Meredith Fordham Hughes

JAXPORT Gallery Opening Function: Improvement Via Transport by Cathedral Arts Job
free annual credit report
< img alt=" free yearly credit scores record" src =" https://www.credit-report-online.net/wp-content/uploads/2017/03/7466589580_4379066620.jpg" size =" 400"/ > Photo by< a href =" http://www.flickr.com/photos/24847875@N05/7466589580" > JAXPORT 6.28.12.” When our course
went to JAXPORT, we were able to see and also find out about lots of new and strange things. For each pupil various things stimulated rate of interest or motivation. Some were influenced by the rail vehicles as well as train tracks, some the marsh land while others were inspired by the ships as well as cranes. Pupils mapped out that which inspired them and discussed the subject of this inspiration with each various other. We brought each of our private experiences and motivations right into the classroom and also what arised was an overarching suggestion of textures, shapes and patterns that belonged of the lots of sights. In order to highlight these structures and patterns, the trainees developed printmaking blocks by carving their layouts into foam sheets. They then used a traditional printing process to print these blocks into the items you see on display. With this procedure, the photo can be printed several times. Earlier in the year, our course studied Origami, the Japanese traditional art of paper folding. Throughout this study we created paper cranes( birds ). With the upcoming JAXPORT program, we intended to honor the birds as well as wild animals of JAXPORT as well as the marsh lands that surround it while also highlighting their ecologically mindful methods by developing paper cranes utilizing old yearly reports offered to us by JAXPORT. We created some on unpainted paper as well as some paper we repainted with watercolor paints, after that developed the cranes. We wanted these to look like they were a flock of birds flying via the gallery. As a final art item of our class and an end result of our JAXPORT experience, the students were able to produce an art piece concerning JAXPORT making use of acrylic paint as well as a “reverse color” painting strategy in order to create even more deepness “and rate of interest in the art item.”. Laurie Brown, Basilica Arts Teacher. The vision at Cathedral Arts is for every single youngster to have access to a versatile, arts-rich education that enhances his/her spirit with the imagination, self-confidence and also strength of personality that influences fantastic leadership and a will to succeed. Basilica Arts supplies twice-weekly after-school and summertime programs in dancing, music, drama and also aesthetic arts to 1,450 students throughout Jacksonville each year. Locations of instruction include ballet, West African dancing, drumming, violin, carolers, acting, paint, sculpture as well as ceramics. For extra details and/or images, please get in touch with Meredith Fordham Hughes by email or by phone at -LRB-904-RRB- 357-3052.

Concerning JAXPORT Gallery. Found on the very first floor of JAXPORT Head office, the Gallery showcases local artists turning on a bi-monthly basis
. JAXPORT Gallery is open throughout regular JAXPORT Headquarters hrs and admission is cost-free. Discover much more about JAXPORT and also the Arts. Picture credit score: JAXPORT, Meredith Fordham Hughes

How To Order A Free Annual Credit Report: How to Fix Bad Credit Part 1

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JAXPORT Gallery Opening Reception: Transformation Through Transportation by Cathedral Arts Project

A few nice free annual credit report images I found:

JAXPORT Gallery Opening Reception: Transformation Through Transportation by Cathedral Arts Project
free annual credit report
Image by JAXPORT
6.28.12
"When our class visited JAXPORT, we were able to see and learn about many new and unfamiliar things. For each student different things sparked interest or inspiration. Some were inspired by the rail cars and train tracks, some the marsh land while others were inspired by the ships and cranes. Students sketched that which inspired them and discussed the subject of this inspiration with each other.

We brought each of our individual experiences and inspirations into the classroom and what emerged was an overarching idea of textures, shapes and patterns that were a part of the many sights. In order to highlight these textures and patterns, the students created printmaking blocks by carving their designs into foam sheets. They then used a traditional printing process to print these blocks into the pieces you see on display. With this process, the image can be printed multiple times.

Earlier in the year, our class studied Origami, the Japanese traditional art of paper folding. During this study we created paper cranes (birds). With the upcoming JAXPORT show, we wanted to honor the birds and wildlife of JAXPORT and the marsh lands that surround it while also highlighting their environmentally conscious practices by creating paper cranes using old annual reports given to us by JAXPORT. We created some on unpainted paper and some paper we painted with watercolor paints, then created the cranes. We wanted these to seem like they were a flock of birds flying through the gallery.

As a final art piece of our class and a culmination of our JAXPORT experience, the students were able to create an art piece about JAXPORT using acrylic paint and a "reverse color" painting technique in order to create more depth and interest in the art piece."

Laurie Brown, Cathedral Arts Teacher

The vision at Cathedral Arts is for every child to have access to a well-rounded, arts-rich education that endows his or her spirit with the imagination, self-confidence and strength of character that inspires great leadership and a will to succeed. Cathedral Arts provides twice-weekly after-school and summer programs in dance, music, drama and visual arts to 1,450 students throughout Jacksonville each year. Areas of instruction include ballet, West African dance, drumming, violin, chorus, acting, painting, sculpture and ceramics.

For additional information and/or images, please contact Meredith Fordham Hughes by email or by phone at (904) 357-3052.

About JAXPORT Gallery
Located on the first floor of JAXPORT Headquarters, the Gallery features local artists rotating on a bi-monthly basis. JAXPORT Gallery is open during normal JAXPORT Headquarters hours and admission is free. Learn more about JAXPORT and the Arts.

Photo credit: JAXPORT, Meredith Fordham Hughes

The Ragged School Union Festival Monday May 6th 1895 at Queen’s Hall, Langham Place, London
free annual credit report
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Ragged Schools were charitable schools dedicated to the free education of destitute children in 19th century Britain. The schools were developed in working class districts of the rapidly expanding industrial towns. In 1844, the Ragged Schools Union was established to combine resources throughout the country, providing free education, food, clothing, lodging and other home missionary services for these children.[1]
The Ragged School movement grew out of recognition that charitable and denominational schools were not beneficial for children in inner-city areas. Working in the poorest districts, teachers (who were often local working people) initially utilised stables, lofts, and railway arches for their classes. There was an emphasis on reading, writing, arithmetic, and study of the Bible. The curriculum expanded into industrial and commercial subjects in many schools. It is estimated that around 300,000 children went through the London Ragged Schools alone between 1844 and 1881.[1]
There is a Ragged School Museum in the East End of London that shows how a Ragged School would have looked – it is housed in buildings previously occupied by Dr Thomas Barnardo.

Several different schools claim to have been the first, truly-free school for poor or ragged people. For many of the destitute children of London, going to school each day was not an option. There was no such thing as free education for everyone. From the 18th century onwards, Ragged Schools were few and far between. They had been started in areas where someone had been concerned enough to want to help disadvantaged children towards a better life.[2]
In the late 18th century, Thomas Cranfield offered free education for poor children in London. While he was a tailor by trade, Cranfield’s educational background included studies at a Sunday school on Kingsland Road, Hackney. In 1798, he established a free children’s day school, located on Kent Street near London Bridge. By the time of his death in 1838, he had established 19 free schools that provided services for children and infants living in the lower income sections of London. These opportunities and services were offered days, nights, and on Sundays, for the destitute children of poor families throughout London.[3][4]
John Pounds, a Portsmouth shoemaker, provides one of the earliest well-documented examples of the movement. When was 12 years old, Pounds’ father arranged for him to be apprenticed as a shipwright. Three years later, he fell into a dry dock and was crippled for life. Unable to work as a shipwright, John became a shoemaker and by 1803 had his own shop in St Mary Street, Portsmouth.
In 1818, John Pounds, known as the crippled cobbler, began teaching poor children without charging fees. He actively recruited children and young people to his school. He spent time on the streets and quays of Portsmouth making contact and even bribing them to come with the offer of baked potatoes. He began teaching local children reading, writing, and arithmetic. His reputation as a teacher grew and he soon had over 40 students attending his lessons. He also gave lessons in cooking, carpentry and shoemaking. Pounds died in 1839.

After Pounds’ death, Thomas Guthrie wrote Plea for Ragged Schools and proclaimed John Pounds as the originator of this idea. Thomas Guthrie started a ragged school in Edinburgh and Sheriff Watson established another one in Aberdeen. In 1844, Anthony Ashley-Cooper, 7th Earl of Shaftesbury formed the Ragged School Union and over the next eight years over 200 free schools for poor children were established in Britain.[4]
In 1841, Sheriff Watson established another school in Aberdeen, Scotland. His methods were different from his colleagues. Unlike the efforts of Pounds, Cranfield, and Guthrie, Watson used compulsion. Watson was frustrated by the number of children who committed a petty crime and faced him in his courtroom. Rather than sending them to prison for vagrancy, Watson established a school for boys. As a law official, the sheriff arrested the vagrant children and enrolled them in school.[4]
The Industrial Feeding School opened to provide reading, writing and arithmetic. Watson believed that gaining these skills would help the boys rise above the lowest level of society. Three meals a day were provided and the boys were taught useful trades such as shoemaking and printing. A school for girls followed in 1843.[5] In 1845, the schools were integrated. From here, the movement spread to Dundee and other parts of Scotland, mostly due to the work of the Rev Thomas Guthrie of Edinburgh.
Thomas Guthrie was an early promoter of free education for working class children. He started what appears to have been the first Scottish free school for the poor. In 1860, he published a volume containing his three pamphlets concerning Ragged Schools entitled Seedtime and Harvest. Thomas Guthrie is often quoted as the founder of the Ragged Schools of Scotland. His first introduction to the idea of Ragged Schools was in 1841, when he was the Parish Minister of St. John’s Church in Edinburgh. On a visit to Anstruther in Fife, he saw a picture of the cobbler’s room of John Pounds in Portsmouth, who had started teaching ragged children free of charge in his shop in 1818. In 1844, the movement spread to England, with the establishment of the London Ragged School Union under the chairmanship of Anthony Ashley Cooper, 7th Earl of Shaftesbury.

In April 1844, Locke, Moutlon, Morrison, and Starey formed a steering committee to address the social welfare needs of the community. On 11 April 1844, at 17 Ampton Street off the Grays Inn Road, they facilitated a public meeting to determine local interest, research feasibility, and establish structure. This was the birth of the Ragged Schools Union.[1][4] In 1944, the Union adopted the name "Shaftesbury Society" in honour of the 7th Earl of Shaftesbury. In 2007, the Society was merged with John Grooms, taking the new name of Livability.
The term Ragged School was introduced by the London City Mission. In the beginning, many of the schools were started by churches, and were staffed by volunteers. The growing number of children made it necessary to have paid members of staff. Beginning in 1835, the Mission hired staff missionaries and recruited lay agents to assist the poor with a wide range of free, charitable help ranging from clothing to basic education.[2]
Mr Locke of the Ragged School Union called for more help in keeping the schools open. Many petitions for funding and grants were made to Parliament to assist with educational reform. He asked the government to give more thought to preventing crime, rather than punishing the wrongdoers. He said the latter course only made the young criminals worse.[1][2]
In 1840, the Mission used the term "ragged" in its Annual Report to describe their establishment of five schools for 570 children. In the report, the Mission reported that their schools had been formed exclusively for children "raggedly clothed". The children only had very ragged clothes to wear and they rarely had shoes. In other words they did not own clothing suitable to attend any other kind of school.

Several people volunteered and offered their time, skills, and talents as educators and administrators of the Ragged Schools. Anthony Ashley-Cooper, 7th Earl of Shaftesbury was one of Britain’s greatest social reformers, whose broad-ranging concerns included education, animal welfare, public health and improving working conditions.
In 1843, Lord Shaftesbury became the president of the Ragged Schools. He used his knowledge of the schools, the refuges, and his understanding of the living conditions among low income families to pursue changes in legislation. He served as the president of the Ragged School Union for 39 years. In 1944, the Union adopted the name "Shaftesbury Society", in his honour. Shaftesbury maintained his commitment to the Ragged Schools and educational reform until his death in 1885.

In 1843, Charles Dickens began his association with the schools and visited the Field Lane Ragged School.[7] He was appalled by the conditions, yet moved toward reform.[8] The experience inspired him to write A Christmas Carol. While he initially intended to write a pamphlet on the plight of poor children, he realised that a dramatic story would have more impact.
Dickens continued to support the schools, donating funds on various occasions. At one point, he donated funds, along with a water trough, stating that it was "so the boys may wash and for a supervisor"! (from a letter to Field Lane). He later wrote about the school and his experience there in Household Words. In 1837, he used the area called Field Lane as a setting for Fagin’s den in his classic novel, Oliver Twist.

By 1844, there were at least 20 free schools for the poor, maintained through the generosity of community philanthropists, the volunteers working with their local churches, and the organisational support of the London City Mission. During this time, it was suggested that it would be beneficial to establish an official organisation or society to share resources and promote their common cause.
In 1844, the Ragged Schools Union started with about 200 teachers. With articles in publications like the Chambers’ Journal, the support and patronage of Lord Shaftesbury, and the organisational abilities of those working with the Union, Ragged Schools became better known. There was a massive growth in the numbers of schools, teachers and students. By 1851, the number of educators would grow to include around 1,600 persons. By 1867, some 226 Sunday Ragged Schools, 204 day schools and 207 evening schools provided a free education for about 26,000 students.[1]
The 7th Earl of Shaftesbury served as chairman for 39 years. During his tenure, an estimated 300,000 destitute children received a free education. The free school movement became respectable, even fashionable, attracting the attention of many wealthy philanthropists. Wealthy individuals such as Angela Burdett-Coutts gave large sums of money to the Ragged Schools Union. This helped to establish 350 ragged schools by the time the 1870 Education Act was passed.[9] As Eager (1953) explains, "He gave what had been a Nonconformist undertaking, the cachet of his Tory churchmanship — an important factor at a time when even broad-minded (Anglican) churchmen thought that Nonconformists should be fairly credited with good intentions, but that cooperation (with them) was undesirable".

The success of the Ragged Schools definitively demonstrated that there was a demand for education among the poor. In response, both England and Wales established school boards to administer elementary schools. However, education was still not free of fees. After 1870, public funding began to be provided for elementary education among working people.
School boards were public bodies created in boroughs and parishes under the Elementary Education Act of 1870 following campaigning by George Dixon, Joseph Chamberlain and the National Education League for elementary education that was free from Anglican doctrine. Members to the board were directly elected, not appointed by borough councils or parishes. As the school boards were built and funded, the demand for Ragged Schools declined. The Board Schools continued in operation for 32 years. They were abolished by the Education Act of 1902, which replaced them with Local Education Authorities.

en.wikipedia.org/wiki/Ragged_school

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W. Bro. Fred Mears Jr. of Riverdale John Ross Roberston Lodge No. 494 volunteering at The Heritage Lodge No. 730. At least Fred was as warm as toast with the hidden heater above the Tinsmith’s Shop on the main floor. I’ve visited when the place was freezing. I was in a rush. I hope that we will meet again! To my surprise, as I was leaving, he received his first visitors of the day. The weather was BAD.

The Heritage Lodge No. 730 Set:
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Two links to some Masonic info about M.W. Bro. John Ross-Robertson:
www.masonicdictionary.com/robertson.html

Born December 28, 1841, Toronto, Canada. Educated at Upper Canada College, giving much of his time, however, to the study of the printing trade and editing a small college paper from his father’s home during three years, from 1857 to 1860.

Every stage in the development of this paper was handled by John Robertson personally-literary, mechanical and clerical. Thus he naturally cultivated journalism, editing in turn Young Canada, the Grumbler, Sporting Life, and Canadian Railway Guide. By 1863 he was city editor of the Toronto Globe and founder, 1866, of the Daily Telegraph. March 14, 1867, made a Freemason in King Solomon’s Lodge No. 22, Toronto. Brother Robertson spent several years in England for the Toronto Globe. Returning to Canada, he managed the Nation in 1875 and in April, 1876, founded the Evening Telegram. He found time to devote his talents to Freemasonry. In 1879 he was elected Junior Warden; in 1880, Worshipful Master. He had served as Worshipful Master of Mimico Lodge No. 369, 1879; Grand Steward, Grand Lodge of Canada, 1880, and two years later was Senior Grand Warden. In 1886 Brother Robertson was Deputy Grand Master of the Toronto District.

In 1888 the Grand Lodge of Canada unanimously elected him Deputy Grand Master and he was re-elected In 1890 he was elected Grand Master and was re-elected the following year. Elected a full member of Quatuor Coronati Lodge No. 2076, May 6, 1904. Brother Robertson’s Masonic writings included Talk’s with Craftsmen, 1893; History of the Cryptic Rite, 1888 and 1890; History of the Knights Templar of Canada , 1890, and History of Freemasonry in Canada, 1899. Brother Robertson was Chairman of the Board of Trustees of the Hospital for Sick Children and for thirty-five years furthered this worthy cause and is said to have visited the hospital every day. He personally equipped and presented to the Charity the Hospital buildings in College Street and Elizabeth Street, built and founded the Lakeside Home for Little Children, Toronto Island, built a Nurses’ Hostel, a Pavilion for tubercular treatment and established the pasteurizing of milk in the Hospital grounds at Toronto.

Many civic and public benefits in Toronto are due to him, improvements in the ambulance service, health department, and supplying free medical inspection and aid in schools. He made many public gifts in the way of books, pictures, and so forth. He three times declined to he candidate for Mayor of Toronto. In 1902 he also gratefully declined a Knighthood and a Senatorship. For many years Brother Robertson was President of the Canadian Copyright Association; he served as Vice-President and President of the Canadian Associated Press, and was Honorary President of the Toronto Press Club at his death. His own statement as an editor was: "I am not a party politician; my aim is to keep both parties right." Brother Robertson died May 31, 1918, a last act of benevolence being to donate 1,000 on May 20 to the Children’s Hospital (see Transactions, Quatuor Coronati Lodge, volume iii, page 137, and volume xxxi, page 178).

– Source: Mackey’s Encyclopedia of Freemason

In The Beginning…
Long ago, ships plied the great Lakes and navigation started when the nobility of England and the Continent sent ships to gather furs and trade with the Indians. In 1534 Jacques Cartier discovered two inland settlements along the St. Lawrence, which he named Stadacona, now Quebec City, and Hochelaga, which was later, named Montreal.
In 1608 Samuel de Champlain sailed up the Great Lakes to explore the regions of Upper Canada. Since the rivers were the main arteries of travel, the Humber River became very popular and trading posts were very plentiful. One of the largest ones was at the mouth of the Humber River, which became known as York.
Some years later Lord Simcoe became Governor of Upper Canada and York became what is now the city of Toronto. As waterfront land along Lake Ontario became congested and expensive, the population who did not have a great deal of money, settled inland and Weston became a very important village.
The beginning of our story is something of the past – something about West itself. Weston had its foundation as a hamlet on the banks of the Humber River about the year 1792. In that year the first Provincial Grand Lodge of Upper Canada was warranted by the Athol Grand Lodge of England, popularly known as the “Ancients” when R.W. Bro. William Jarvis was appointed Grand Master of masons for the Province of Canada West. This was some sixty-three years before that grand and glorious day in the Canadian Masonic calendar when there came into being, the first independent Grand Lodge in Canada. The Grand Lodge was duly constituted under the name of “The Most Worshipful, The Grand Lodge of Ancient, Free and Accepted Masons of Canada in the Province of Ontario” when William Mercer Wilson, in due and ancient from was installed as our fist Grand Master in 1855.
The geographic area in which we now reside was first known as “The Humber”. Because of the river, which at one time was plentiful in salmon, it is natural that milling was the first major industry with flourmills starting up along its banks.
During the war of 1812-1814, about the time our first Grand Master was born, these mills supplied the demands of the government for flour to provision the troops. At the close of the war, Mr. Joseph Holly sold his flourmills to Mr. James Farr along with 150 acres of farmland, all of which today is part of Weston Golf and Country Club property. James Farr objected to the name of “The Humber” for the hamlet as this was being commonly used as the name of other hamlets along the river and he, being a leading and influential figure in the community renamed it “Weston” after his ancestral home in England.
In 1828 St. Phillip’s Church and parish was established near the little hamlet. More mills sprang up and in 1844 Mr. Rowland Burr rebuilt his mill on the east bank of the Humber River and this eventually became the old Cruickshank Motors, a few steps from our present temple. The fist registered plan of Weston is dated July 18, 1846 and the village of Weston was incorporated in 1881. William Tyrell was the first reeve and the council consisted of Jacob Bull, Jas. Cannon, Sr., David Rowntree, Sr., and J. Sykes.
The names along with the Dennis family, Major Charles Wadsworth and Dr. Wm. J. Charlton played an important part in the formation of the town and its social and fraternal orders including Freemasonry. William Tyrell was a fine character and lived in a magnificent residence at the corner of King St. and Rosemount Ave. Major Charles Wadsworth, a most picturesque figure, of large build who had all the style and dignity of an English major was known for driving his “four in hand” along Main Street at break neck speed. He was an active member of St. Phillip’s Church and Humber Lodge.
In the year 1870 – before the incorporation of the town of Weston – Jacob Bull returned from California where he engaged in the building trade and was so impressed at what splendid work freemasonry was doing in San Francisco that he set out to establish the order in the village. His house still stands on John Street.
Also, about the time a Mr. Eagle who had been trying to buy some Crown land from the Indians near Brantford, came to Weston and when he saw all the activity he decided to stay here and enjoy some of the prosperity. He bought a large acreage and built a hotel and put up stables large enough to accommodated a hundred team of horses. Everybody stopped at the Eagle House and prosperity was coming his way. There were several Lodges flourishing at this time near Weston but to his surprise, his Masonic Lodge, which held such as high regard in his hometown in England, did not have a meeting place. He talked it over with his buddies and found that several of them were members in good standing. Being by then quite prosperous and anxious to cater to the best people he offered to build and maintain a Masonic Temple next to his hotel, and one of his tenants, who was the manager of the Willoughby Shodding Mill – a Past Master of Simcoe Lodge accepted the job of being the first Master of Humber Lodge and Mr. Eagle was to be the first candidate.
In March 1873 a meeting was held in the home of John Linton, along with Benjamin Plewman, F.W. Forbes and Wm. Brown, Humber Lodge was duly organized and representation dispatched forthwith to Grand Lodge for a charter. The charter was granted for Humber Lodge No. 305 on July 9th, 1874 with F.W. Forbes the W.M., Wm. Brown the S.W., Jacob Bull the J.W. and Charles McMunn, Secretary. Its minutes contain the signature of M.W. Bro. William Mercer Wilson.
The first six years of the Lodge’s life were progressive and many interesting meetings were held, but as you know Grand Lodge frowned on serving liquor in connection with the meetings and this caused a split which ended in the parting of the ways and Bro. Eagle who was terribly displeased with it all asked the Masons to find a dry place to meet.
On May 1, 1880 Humber Lodge moved to a small building on King Street owned by Bill Tyrell and they remained there until the Oddfellows opened their new hall on Oct. 1, 1886. The building became available when the First Methodist Episcopal Church put the building up for sale at a price of 0.00 due to the dwindling congregation at that time.
During the first year we had two candidates, two applications and .50 cents was sent to Grand Lodge for our per capita dues. In 1880 it was moved that the initiation fee be raised to .00 and the affiliation fee would be .00. In 1881 it was moved that all members living more than 10 miles away from the lodge paid dues at half price.
In 1882 the officers of the evening came up on the 5:20 train, went to the Temple in the Eagle House, opened Lodge, installed the officers and left to Toronto again at 6:55 p.m.
In 1883 it was moved that if the D.D.G.M. attended the next meeting lunch would be served.
In 1892 M.W. Bro. John Ross Robertson, then Grand Master, was so pleased with the effort Humber Lodge had put up to help those less fortunate that he offered to buy a suit of clothes for every orphan that Humber Lodge had given assistance.
On February 22, 1893 the Masons were having an “At Home” party. A Masonic At Home at that time was the swankiest event on town. Everyone who could get a ticket wanted to go to the party; oysters were the popular dish in those days and a large crowd was present. The party was a big success until the feather beam gave out and everything went down into the hopper. The people who were in the building at that time were in pretty rough circumstances. The only thing, which did not go down, was the piano. It was up in the corner and W. Bro. Thomas Simpson, who was master of ceremonies for that evening, stood with his hands on the piano hoping it would not tip over and go down on these people. The perfect ashler went down and W.Bro.Bill Forsythe broke his leg in two places, exclaiming, “No doubt I am the first Mason who had a leg broken by a perfect ashler”. Luckily there were no life threatening injuries.
In 1893, when the hall fell, the Lodge paid .30 cents a head for a meal they never received and the accident cost .25.
Also in 1893 Rev. Wilde was asked to preach a sermon to the Masons and he asked a fee of .00. They changed their minds and did not take him.
In 1894 the finances were not so good and the auditors reported outstanding dues mounted to .67.
In 1898 Humber Lodge bought two dozen pairs of gloves to be used at Masonic funerals.
The Odd Fellows and the Masons lived very happily together for many years but a growing desire to have a home of their own prompted the Masons to look ahead. The time eventually came and a company was formed with authorized capital of ,000.00 with shares of .00 each and directors were appointed. Plans for an up to date hall were drawn up – a full basement with an auditorium and Lodge room upstairs. Mr. Sainsbury had the contract to complete the building for ,000.00. However, along came the First World War and all work with the exception of war work was cancelled.
After an unfortunate delay of several years another prospectus was filed on June 7, 1924 and plans were again drawn up to build the temple. After the war men and money were scarce and it was almost impossible to get started. A new directorate was formed and a little money came in sight. Bro. Art Pearson drew up plans for nothing and W. Bro. Burrage stared the new building. The figured that with luck a basement and a finished main floor would have to do until time and circumstances would help us out. Steel beams were installed in the roof so that some day we could complete the building. All those who could, gave of their time and money together, but it was hard going and you will never know the blood, sweat and tears that were put into trying to get a Masonic home for those who had faith in the cause. W. Bro. N.J. McEwan, then Jim McEwan, who was the manager of the bank here, backed us up at the bank so we could get enough money to buy the carpet and he nearly lost his job because we did not have enough money to pay for it.
The corner stone was laid on June 27, 1924 by M.W. Bro. F.W. Harcourt, P.G.M. who officiated at its dedication. There are many articles of furniture, etc. which were donated to the Lodge at that time.
There is the Master’s chair donated by W. Bro. Jacob Bull, whose picture appears above the I.P.M.’s chair. The first chair in which the candidate sits was presented by W. Bro. Jack Allan on behalf of Mrs. Florence Milner, the daughter of our late W. Bro. Jacob Bull, our first Junior Warden.
The I.P.M.’s chair and ashlars by V. W. Bro. Albert E. Scythes.
The chair to the left of the W. M. by W. Bro. Fred Rowntree.
The Senior Warden’s chair by W. Bro T. Ray Simpson.
The Junior Warden’s chair by the late W. Bro. A.R. Smith.
The alter is the workmanship of our V.W. Bro. Fred Thain.
The beautiful pillars and carving are the work of V.W. Bro. Max Smeall.
The member’s chairs were taken from the Silent picture theatre which stood next door where the post office is.
Bro. Gordon Barker, a past 50 year member, relates that he believes he is the only person who has had the letter “G” hanging from the cab of the truck when he assisted in moving the furniture into this lodge room.
Originally there was a furnace at each end of the banquet room necessitating carrying coal from one end to the other when tending the fires. When we first started there was no floor downstairs and a lot of extra work was necessary to lay cement floor. Then later on when more money was available for flooring a wood floor was then laid down by members who were skilled in this particular line. Catering facilities were grim in those days but later a kitchen and furnace room were added to the rear of the banquet hall, giving so much more space for the accommodation of larger crowds at out banquets. A good deal of credit is to be given to the officers and members who spent many hours repairing chairs. The original chairs in the temple were the old-fashioned kitchen type. Spokes and legs would work loose and no end of baled-hay wire was used to keep them together.
There were many times the Masonic Temple Board ran short of money. One of the closest calls of all was when the mortgage became due. It nearly went through but by luck enough money was gathered together to wipe out the mortgage and take over the building. This was a close call – the closest call the lodge ever had. One of the most important duties that W. Bro. T. Ray Simpson had during those years of financial difficulties was to sign the cheque which paid off the mortgage and gave us a Masonic home bought and paid for. That was a long time ago and we look only to the future. It was W. Bro. T. Ray Simpson’s good fortune to be elected the first master to sit in the chair of King Solomon in the Weston Temple.

TEMS OF INTEREST TAKEN FROM THE MINUTE BOOKS
JANUARY 1887 – W. Bro. Charlton was installed by R. W. Bro John Ross Robertson, the D.D.G.M. of that year.
FEBRUARY 1887 – The election of officers was changed to November, the installation held in December.
MAY 1887 – The Lodge was Inspected by John Ross Robertson, D.D.G.M. In the year 1887 the lodge forwarded .50 to defray expenses for D.D.G.M.’s regalia
DECEMBER 1889 – A notice of motion was passed to set Life Membership at .00.
MARCH 1891 – At this meeting W. Bro Eagle presented the Lodge with a picture of Hon. Mrs.Aldworth, the only lady Freemason.
TAKEN FROM AN OLD BY-LAW
The regular meeting of the Lodge shall be held on the 1st Wednesday on or before the full moon of each and every month, and also on the Festival of St. John the Baptist and St. John the Evangelist at such an hours as the Master shall appoint.
The fee shall be .00 for a joining member. For all members the monthly dues shall be 30 cents a month. This was changed in 1892 to read: The fee shall be for initiation .00, the fee for conferring F.C. and M.M. shall be .50 for each degree. The monthly dues for each village member shall be .30 cents. The monthly dues for each country member shall be .15 cents.
JANUARY 1893 – Moved a letter of sympathy be sent to the Senior Warden, Dr. W.J. Charlton and his wife on the death of their two dear children.
FEBRUARY 1893 – Moved payment of .30 cents per head for meal at the “At Home” held February 22nd. The crowd was so large that the floor would not stand the weight and consequently collapsed. The accident cost the Lodge .25.
1895 – Again there is little to report except that benevolence was strongly in evidence.
JANUARY 1898 – A contribution was made to assist a paralyzed brother of Conestogo Lodge, Drayton. Among the accounts at this meeting was two dozen white gloves.
JUNE 1898 – Application received from W. Perkins Bull.
NOVEMBER 1898 – It is interesting to note the amount of work that was accomplished at this meeting. W. Perkins Bull was initiated; Bro. W. Wilby was Examined in the Second Degree, and Raised to the Third Degree. Lodge was reverted to the First Degree for the purpose of Election of Officers. Bro. Wilby was Master four years later.
DECEMBER 1908 – Applications were received from G.H. Scott, A. B. Moffat and H. G. Musson. G. H. Scott was initiated.
In 1908 the Lodge did not close for summer recess.
SEPTEMBER 1908 – The late V.W. Bro. Walter Webster was initiated by W. Bro. Rodgers and his officers, of Alpha Lodge. Incidentally the Junior Warden’s expenses on this occasion was .25.
OCTOBER 1908 – a ballot was taken on three applications collectively and found unfavorable, it was again taken singly, and all three rejected. It cost the Lodge 75 cents to wash dishes.
JANUARY 1908 – One of the highlights of our history was that a committee was appointed to procure a suitable building lot. The committee were W. Bros. Simpson, Barker and Wilby.
JUNE 1910 – A Memorial to the late King Edward VII was read in Lodge.
FEBRUARY 1912 – The dues were increased to .00 Per year.
NOVEMBER 1912 – After a lapse of four years, it was finally decided to purchase a lot on LeMaire Avenue. 1914 this year we considered Building a Temple. A committee was appointed on subscriptions and Shares in Temple Co. The Committee visited other Lodges for data. ,500 was subscribed in one week. A notice carried to erect a Temple on the lot on Main St. North. The lot on LeMaire Avenue to be sold for 00.
JUNE 1914 – Dues increased from .00 to .00.
APRIL 1915 – Plans for Lodge approved and contracts for building to be let by directors of temple Board.
SEPTEMBER 1915 – W. Bro. Thomas Simpson was made a Life Member. The dues of members on active service were remitted.
SEPTEMBER 1921 – A deputation of members of the Craft living in Mount Dennis sought the consent of Humber Lodge to form a Masonic Lodge in that district. A discussion with regard to the building of a new hall took place May 26, 1922, the lot purchased by Humber Lodge in 1915 being the site of present building.

W.Bro. Tom Stone installed as Worshipful Master of Humber Lodge in June 1921, passed to the Grand Lodge above in January 1924. In December 1921. W. Bro. Stone became ill and never completed his full year as Ruling Master.
JULY 1922 – Grand Lodge met a Port Arthur. A large representation from Humber Lodge attended with W. Bro. A.E. Scythes, the Worshipful Master. This delegation traveled by train to Sarnia, where it embarked on the steamer “Noronic”. (The writer feels that special note should be made of this because of the terrible disaster that overtook this one fine ship “Noronic” in our Toronto Harbour, on Saturday, September 16th, 1949). Benvolent fund was established in February 1924.
Past Masters’ Night held on March 28, 1924 with W. Bro. Jacob Bull occupying the chair. This same evening was the occasion of W. Bro. Bull’s 50th year in Masonry.
On June 7, 1924, the cornerstone of present building was laid P.G.M.M. W. Bro. F.W. Harcourt and Grand Lodge Officers and other distinguished brethren officiated.
On January 23, 1925, M.W. Bro. Harcourt, Acting Grand Master assisted by Grand Lodge Officers conducted the ceremony of dedicating the present Temple.
On April 25, 1925, initiation fee was raised from .00 to .00.
Candidates for initiation to receive a free apron. Mount Dennis Lodge held their inaugural meeting in their new quarters at Humber Lodge Temple on Wednesday, May 5, 1926. 50 YEARS A PAST MASTER – DECEMBER 27th, 1876-1926
On December 27th, W.B. Jacob Bull celebrated his fiftieth Anniversary as a Past Master of Humber Lodge. Born in this vicinity in 1838, he lived here for several years, then moved to California, where he was initiated into Masonry in 1871.
Five years later he returned to Weston and along with others was instrumental in forming Humber Lodge in 1873, being installed as the first junior Warden; and as W.M. on December 27th, 1876. During the first twenty-five years of Humber Lodge, W. Bro. Bull only missed five meetings.
JULY 1926 – W. Bro. H.J. Alexander was elected as D.D.G.M. Toronto District “A”. W. Bro. A.E. Scythes appointed as District Secretary. A Local School In Weston Now Carries W. Bro. H.J. Alexander’s Name.
“The genius of Masonry is that it has in common with religion, the power to appeal direct to the hearts and minds of men, to lift them out of the passing and temporary things which make them many, into the presence of those permanent things by virtue of which they are one, and in the vision of those things, they catch a somewhat deeper understanding of the meaning of life, a broader outlook upon its problems, a renewed inspiration to usefulness and service” By M.W. Bro. John A. Rowland, B.A., Grand Master, in his address to Grand Lodge, 1926.
JANUARY 1928 – A letter of congratulations was sent to W. Bro. Jacob Bull on the occasion of his 90th birthday.
FEBRUARY 1929 – An Emergent meeting was held for the purpose of attending the funeral of the late W. Bro. Jacob Bull.
SEPTEMBER 27th, 1929 – Congratulations were extended to R.W. Bro. A.J. Anderson and R. W. Bro. H. J. Alexander on their election to Board of General Purposes in Grand Lodge and W. Bro. J.W. Hamshaw on his appointment as Grand Steward. Congratulations were also extended to W. Bro N.J. McEwen on his appointment as Organist. W. Bro. F. Beardall presented V.W. Bro. McEwen with is regalia on behalf of Humber Lodge. A petition was presented by members of the new Memorial Lodge, asking permission of Humber Lodge to organize. R.W. Bro. H. J. Alexander was their first Ruling Master.
MAY 1930 – One hundred and fifty members contributed 87.00 to the Grand Lodge Benevolent Fund.
OCTOBER 1932 – Diamond Jubilee of Humber Lodge was celebrated. W. Bro. Fred Pollett was W.M. Twenty-two Past Masters were present. R.W. Bro. A.J. Anderson unveiled the two frames containing the photographs of all Past Masters of Humber Lodge, with the exception of five, which were impossible to secure. R.W. Bro. Anderson, in his very capable manner unveiled this permanent monument to the Past Masters of the Lodge, with the sincere hope that the Lodge would continue to prosper, and that the brethren grouped together in the two frames was only the reflection of the Lodge of today.
OCTOBER 1935 – W. Bro. W. J. Gardhouse was presented with Grand Lodge Regalia as Grand Junior Deacon, By R.W. Bro, Chas Lord, D.D.G.M.
FEBRUARY 1936 – V.W. Bro. Thos. Simpson was presented with a fifty-year Service Medal, by W. Bro. P. Hopkins, on behalf of Humber Lodge. R.W. Bro. H.J. Alexander and W. Bro. T. Kennedy were presented with their Life Membership Certificates.
JUNE 1937 – Emergent meeting to attend the funeral of our Senior Warden-elect, the late Bro. W. Lindsay Ward, whose sudden death cast a gloom over our Lodge. Out of respect to this fine officer, the Installation ceremonies were changed from June to September, and W. Bro. F. Beardall acting as Senior warden for the twelve months.
APRIL 1938 – The Most Wor. The Grand Master, W.J. Dunlop visited us on this our Rural Night. Thirty-two Lodges were represented on this occasion.
SEPTEMBER 1938 – Humber Lodge entertained her three daughter lodges: Mimico, Mt. Dennis and Memorial.
MARCH 1942 – V.W. Bro. Scythes presented the Lodge with two new flags.
May 1945 – Humber and Mt. Dennis Lodges jointly celebrated the allied victory in Europe. Members of His Majesty’s Forces were welcomed back to Lodge. W. Bro. G. Medhurst addressed the Lodge on “The Four Freedoms”.
SEPTEMBER 1946 – Niagara Frontier Lodge no. 132 visited us and witnessed an Ontario Third Degree.
May 1947 – D.D.G.M. R.W. Bro. C. Mcfadden presented Bro. John Crossland with Veteran Jubilee Medal.
OCTOBER 1947 – Niagara Frontier Lodge again visited Humber Lodge and exemplified the Third Degree according to American custom.
OCTOBER 1948 – R.W. Bro. J.P. Maher, Deputy Grand Master, was our guest and presented V.W. Bro. Russen with regalia of the office of Grand Steward.
FEBRUARY 25, 1949 – annual membership dues increased to .00.
OCTOBER 28, 1949 – Humber Lodge celebrated its 75th birthday. There were 254 officers, members and visiting brethren present.
JANUARY 27, 1950 – V.W. Bro. William S. Gibson, G.S.D. was among members and guests present when his son Menzie Gibson was initiated.
FEBRUARY 24, 1950 – Among guests present was M.W. Bro. Reginal V. Harris, Past Grand Master of the Grand Lodge of Nova Scotia and present Grand Secretary of Nova Scotia and an honorary Past Master of the Grand Lodge of Ontario. He witnessed and also assisted in the initiation of his son Arthur St. George Harris.
JUNE 10, 1950 – W.M. James A. Case together with 39 officer and members of Humber Lodge chartered a “D.C.3″ plane and flew to Rochester, New York. They were met at the airport by W. Bro. Charles E. Kase, of Rochester Lodge No. 660, his officer and large number of their brethren. They gave Humber members a wonderful reception and a full day’s tour of the city, also conducting the brethren through their magnificent Masonic building which was built in 1928 at a cost of ,000.000. After dinner Humber Lodge officers exemplified the first degree following which they were entertained at their “fourth degree” fellowship hour. By 1 a.m. Sunday morning we were escorted back to the airport and Humber members were safely home within an hour.
OCTOBER 21, 1950 – W. Bro. Charles E. Kase, his officers and large number of members returned to visit Humber and exemplified the first degree, American ritual before an audience of 190 members of Humber, Rochester and other visiting brethren.
MARCH 2, 1951 – A proud evening for our Bro. Wm. P. Graham Sr., who was present when four of his sons James A., A. Curie William P. Jr., and Glen L. were initiated into the Lodge.
SEPTEMBER 26, 1952 – A letter was sent to Bro. Walter Ford of Malton advising that Humber had no objection to the formation of a Masonic Lodge in Malton.
APRIL 24, 1953 – W. Bro. Thomas Kennedy, 50 years a Mason was presented with his 50 year veteran’s jewel by W. Bro. Charles Webster.
NOVEMBER 26, 1954 – Letter received from Bro. Beardwood thanking the brethren of Humber Lodge for their assistance in time of distress as the result of “Hurricane Hazel”. There were approximately 120 residents of surrounding Weston and Woodbridge district who lost their lives, homes and belongings during this fateful disaster.
DECEMBER 23, 1954 – Humber Lodge announced they would be honoured to act as mother Lodge to Astra Lodge and loan them the use of any equipment and regalia they had need of until such time as Astra Lodge would be Instituted on January 13, 1955 in Weston Masonic Temple. An altar cloth was presented to W. Bro. E.J. Carruthers the first master of Astra Lodge. The following members of Astra Lodge: W. Bro. James A. Case, Wm. S. Newsome, W. Bro Robert Cruise, Sr. and Bro. John H. Weech.
APRIL 1, 1955 – Humber Lodge received approval to change their regular meetings from the 4th Friday to the 3rd Thursday as so many members were absent, stores being open Friday evenings while others were often away with their families for the weekend.
FEBRUARY 7, 1957 – V.W. Bro. Albert E. Scythes presented the Lodge with an American flag for use on occasions when American brethren were in attendance.
OCTOBER 17, 1957 – Initiation fee increased to 5.00.
APRIL 16, 1959 – The present altar pillars in temple were dedicated by R.W. Bro. George Hinton, P.B. J. Warden of Mount Dennis Lodge, assisted by V.W. Bro. Max Smeall.
Bro. Smeall was presented with Life Membership in Humber in token of Appreciation for this making and carving the same and his thoughtfulness behind this gift.
JANUARY 21, 1960 – Letter was received from Bro. Nelson Clark thanking the Lodge for flowers he received along with his 60 year medal. MAY 19, 1960 – Humber Lodge increased loan to Weston Masonic Temple from ,200.00 to ,000.00 re extensive alterations made to washrooms and addition to rear of Lodge.
SEPTEMBER 15, 1960 – A 50 year Past Master jewel presented to W. Bro. Thomas Kennedy who was Master in 1910.
OCTOBER 20, 1960 – The Lodge authorized the purchase of an altar pillow to be donated to The Lodge of the Pillars on their formation. 0.00 was also donated to Humber Memorial Hospital Building Fund.
MARCH 16, 1961 – R.W. Bro. Walter Sills, our D.D.G.M. informed the brethren assembled it was permissible for a candidate to be initiated into Freemasonry if wearing a ring which was impossible to remove without cutting the ring. Grand Lodge’s viewpoint being that the situation precluded the possibility of the candidate being able to take if off when asked. The ring being considered as in the same category as the gold fillings he might have in his teeth.
OCTOBER 5, 1961 – R.W. Bro. Walter Sills presented V.W. Bro. Robert Cruise with the regalia of Grand Lodge Steward. Bro. William Lithgow also presented him with a memento on behalf of Mrs. Cruise.
JANUARY 19, 1962 – Letter from Temple Board advising changes in rent. New rates 0.00 per month for 10 monthly meetings, guaranteeing 2 meetings per month. Extra meetings to be .00 per night and Lodge Practices to be .00 each.
MARCH 15, 1962 – It was recorded that our V.W. Bro. Albert Scythes, the W.M. in 1922 had celebrated his 87th birthday.
SEPTEMBER 14, 1964 – Bro. A.S. Fraser presented with his 50 year jewel, by W. Bro. S. Mueller.
NOVEMBER 14, 1964 – Our secretary W. Bro. Douglas Williams suddenly passed to the Grand Lodge above.
FEBRUARY 18, 1965 – W. Bro. Fred W. Rowntree presented with his 50th year jewel by W. Bro. Ken Newton.
APRIL 19, 1965 – Annual dues raised to $ 20.00.
MAY 21, 1965 – V.W. Bro. Max Smeall presented with a gift, the occasion marking his being a mason for 65 years.
AUGUST 26, 1966 – W. Bro. Thomas Kennedy, W.M. in 1910 passed to the Grand Lodge above at the age of 93.
FEBRUARY 1967 – W. Bro. G.R. Bennett presented the Lodge with the new Canadian flag.
MARCH 16, 1967 – W. Bro. T. Ray Simpson presented with his 50 year jewel as a mason, having been initiated into Humber Lodge on March 24, 1916. W. Bro. Simpson mentioned that his late father W. Bro. Thomas Simpson also received this honour in 1936, he being Master of the Lodge in 1893.
JANUARY 1968 – W. Bro. A. Plumstead received a new tracing board on be half of the Lodge.
NOVEMBER 20, 1969 – W. Bro. Charles Sedore presented Bro. Gordon Barker with his 50 year membership button.
APRIL 1970 – W. Bro. James F. Fraser our Secretary Suddenly passed away to the Grand Lodge above.
OCTOBER 7, 1971 – V.W. Bro. Alfred H. Thorn, Grand Steward, was presented with his Grand Lodge regalia by V.W. Bro E.J. Carruthers.
FEBRUARY 17, 1972 – W. Bro. Joseph L. Hamer presented with his 50 year lapel pin. He gave a short talk reminiscing some of his experiences over the past 50 years. He was W.M. in 1931.
MARCH 1972 – Letter received by the Lodge from W. Bro. Foster Rowntree and Bro. H.C. Roos thanking the members for their receipt of 50 year jewels.
APRIL 20, 1973 – Bro Charles Harper received his 50 year jewel.
JANUARY 17, 1974 – The 994th regular communication of Humber Lodge as we celebrate our centennial Birthday.

THE JOHN ROSS ROBERTSON CHAIR

By W.Bro. Roy Gomes——August 2011

My name is Roy Gomes and I am a Past Master of Doric Lodge No. 316 in the Toronto Don Valley District where I have two very dear friends, V.W.Bro. Doug Morton and V.W.Bro. Gordon Boutlier who belong to Riverdale John Ross Robertson Lodge No 494, Doug has been the WM a few times and Gord who is in his 90s is the Historian, they are both great Masonic story tellers.

I first met Doug at Black Creek Pioneer village where we work as interpreters at the Masonic display lodge at the village, this was when I was an EA, and he was present at all my ceremonies of progression to the Masters Chair and continues to be one of my trusted and sure backstops. Gord who always accompanies Doug or visa versa has become my dear friend and adviser as well.

These two brethren invited me to their lodge for one of the times that Doug went into the East. I being curious about old things including furniture, enquired about a certain old chair that occupied a prominent position in the East of the large lodge room in the Chisholm Avenue Temple where Riverdale John Ross Robertson Lodge meets.

I was then told that this chair was used when a new Grand Master is installed, the chair is transported by a certain courier company to the Royal York Hotel where the Installation Ceremony is conducted during our Annual Convocation which takes place in the Month of July.

This story triggered my curiosity and I decided to find out more about this piece of furniture.

After a Special Communication of Grand Lodge,on the 17th of November, 1917 at the corner of Yonge Street and Davenport Road in Toronto in which the Cornerstone of the new Temple was laid by M.W.Bro. William H. Wardrope, M.W.Bro. John Ross Robertson a Past Grand Master addressed the audience and said:–quote: “The chair in which the Grand Master now sits is made from the oak beam which supported the floor of the room in which the first Grand Lodge was organized in 1717 A.D., in the Goose and Gridiron Tavern in London Yard.” unquote.

Historical documents tell us that the building was demolished in 1895 and that the contractor on the job saved two of the oak floor joists and presented them to M.W.Bro. John Ross Robertson, who had a substantial chair made from that wood. It is also said that quote” all Grand Masters of our Grand Lodge are seated thereon whenever Grand Lodge meets in Toronto” unquote.

On the 19th of April,1938 the chair became the property of John Ross Robertson Lodge No. 545 when the Chairman of the Board of Trustees of the John Ross Robertson Estate, Mr. A.T.Chadwick, before the Lodge assembled, the D.D.G.M. of Toronto District A, R.W. Bro. B.E. Elblad and the Grand Master, M.W.Bro. W.J. Dunlop, read a letter from the trustees, conveying the historic chair into the possession of the Lodge where it has since occupied a place in the East in the Large Lodge Room in the Chisholm Avenue Temple.

John Ross Robertson the then Grand Historian of the Grand Lodge of Canada sat on this chair when he wrote the fifth chapter of the History Freemasonry, in which the story of the Masonic Grand Lodge of England is told.

Image from page 22 of “Annual catalogue of Saint Anselm’s College” (1893)
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Identifier: annualcatalogueo1906sain
Title: Annual catalogue of Saint Anselm’s College
Year: 1893 (1890s)
Authors: Saint Anselm College (Manchester, N.H.)
Subjects: Saint Anselm College (Manchester, N.H.)
Publisher: Manchester, N.H. : The College
Contributing Library: University of Illinois Urbana-Champaign
Digitizing Sponsor: University of Illinois Urbana-Champaign

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ll the classes are examined before Christmas and Eastervacation and at the close of the collegiate year. Reports aresent toparents or guardians three times during the year toinform them of the conduct and improvements of their sonsor wards. Applicants that have attended another college will bestrictly obliged to forward their last report and testimonialsof their good standing. Upon entering, the student is ex-amined in the main branches selected, and placed in theclass for which he is found qualified. Non-Catholic students will be exempt from religious in-struction; still, for the sake of proper surveillance, theymust appear in the oratory for morning and evening devo-tions. Wednesday and Saturday afternoons are half-holidays. In order that all students may have the same author andthe same edition, the text-books should be procured at thecollege. If a student has kept his text-books neat and free frommarks, he may return them, and be credited according tothe condition of the books. 16

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SPECIAL DIRECTIONS. Every student should be provided with at least three suitsof clothes, two for daily wear and one for Sunday, an over-coat, three suits of light underwear, three suits of heavyunderwear, six pair of socks, one dozen handkerchiefs, sixshirts, collars, ties, four napkins, one napkin ring (initials),one tumbler, two pairs of heavy boots or shoes, one pair ofhigh rubber shoes (rubber boots preferable), clothes brush,shoe brush and blacking, six towels, warm gloves, two hats,one winter cap, one pair winter blankets, hairbrush, mirror,comb, toothbrush and toilet soap. Students are required to have light shoes for indoor wearexclusively. We would request students to provide a toilet box, or asmall tin chest, for minor toilet articles. • AH articles that may be sent to the laundry are to be dis-tinctly marked with name and surname of owner. Studentsmissing any article should apply without delay to the Pre-fect or to the Disciplinarian. Telephone and telegraph communicatio

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Image from page 200 of “Annual report” (1891)

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Identifier: annualreport191901onta
Title: Yearly report
Year: 1891 (1890s)
Writers: Ontario. Dept. of Mines
Topics: Mines and mineral sources
Publisher: Toronto
Adding Library: Gerstein – University of Toronto
Digitizing Sponsor: University of Toronto

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ccupations, supply needs to be created for the changingof wet and dirty clothing, and the donning of comfortable and warm attire for Btreet use. Four change homes have-been built, with a complete of GOO lockers in accordance with hot ami cool showersand lavatory accommodations. The Port Colborne refinery began operations final Summer, so when at full capacity willbe capable of a yearly production of about 15,000,000 lbs. of nickel and 8,000,000 lbs. efcopper. The designers accountable for the set up have provided special focus on the designand construction of the plant and the options of growth, and have now arranged theequipment so that additions to machinery and gear could be manufactured in anefficient way. The plant was built a1 a COSl of over ,000,000. The result impresses the customer andmakes him feel that not just is Canada—and Ontario in particular—to be congratulated onthe introduction of nickel refining upon a permanent foundation, but that credit can also be as a result of

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[nternational Nickel business of Canada, Port Colborne—Main energy house, showing turboblowers working at 8,500 r.p.m., supplying atmosphere towards the copper converters. Foundation Co., of Montreal and nyc, since the primary contractor accountable for the con-struction, and The International Nickel Co. for broad and liber:,] attitude shown inhaving this plant built undei the stress of war problems. A description of turbo-blower had been published by W. Wotherspoon in theEngineering and Minimi Journal of May 17th, 1919, and it is as proceed with the turbo-blowei is s pan of this technical equipment associated with International Nickel Co.snew plant at Port Colborne, Ontario, Canada. The machine, that has been furnished because of the Bateau Battu-Smoot Company, brand new Fork, features acapacity of 15,000 eu. ft. of free-air per min., delivered at 15 pounds. gauge force. The speedof 8,500 r.p.m. where it runs is believed becoming the best attempted or acquired for amachine of this ability and type. The outside proportions of

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How To Get Your Free Annual Credit Report

Unfortunately along with the holiday season usually comes an increase in credit card fraud and identity theft, so right after the holidays is a great time to check your credit report. The following article will show you why, when and how to check your credit report…

Why you should check your credit report

* to check for errors
* to check for fraud and identity theft
* to get the best interest rates
* more and more people are relying on credit scores – car insurance, employers, etc.

When to check your credit report:

* Once a year if you have good credit and don’t anticipate any large purchases in the near future
* Before a major purchase, such as a new home, new car, etc. – should request your credit report 6 months ahead of a big purchase so you have time to correct any errors
* If you’ve been denied a credit card, loan or other product or service because of your credit (you are entitled to a free credit report if you have been denied credit based on information found in your report)
* If you suspect that your identity has been stolen
* If you are starting a plan to get out of debt or repair your credit.

How to check your credit:

There are three credit reporting agencies (Equifax, Experian and TransUnion), and they are required to provide you with one free credit report each year. The three agencies do not always share the same information, so it’s important to check all three.

You can order all three credit reports at one time, but it may be a better idea to check one company one month, wait a few months, then check another company, then the third company a few months later. This way you are getting three free credit reports a year, and you are checking several times a year, so you are more likely to catch errors and/or fraud.

Go to www.annualcreditreport.com to request your free credit report online. This is the only authorized source for consumers to check their credit report online for free. There are commercials and websites for other companies who claim to offer your credit report online for free, but they are generally selling a service or they are a scam.

In addition, you can call 1-877-322-8228, or you can write for your free credit report at: Annual Credit Report Request Service, PO Box 105281, Atlanta, GA 30348-5281.

Finally, you can purchase a 3-in-1 report, which is basically getting all three reports from each of the credit bureaus. This is a good idea if you have never requested your credit report before, or if you suspect fraud. You can purchase your 3-in-1 credit report at www.myfico.com.

Regardless of what time of year it is, it’s important to check your credit report periodically to make sure there are no errors and that you have not become a victim of identity theft or fraud.

But it’s even more important to check your credit report right after the holidays to make sure that you didn’t become a victim of fraud during the busiest shopping days of the year.

Kristine A. McKinley, CPA, Certified Financial Planner, teaches individuals and families how to invest and plan for retirement, college, and other financial goals. For more tips on boosting your credit score, getting out of debt, and more, please visit http://www.financialtipsforwahms.com