The Darien Adventure Solutions to the Activities

Size: px
Start display at page:

Download "The Darien Adventure Solutions to the Activities"

Transcription

1 Worksheet 1: The Importance of Trade The first four questions in this activity test comprehension of Information Sheet 1, and the sample answers directly quote the text. The last question requires some imaginative input, and the answers below are suggestions only. 1 The buying, selling and exchanging of goods. 2 Central America 3 People believed that a colony there could short-cut the long and dangerous sea routes to the East around Cape Horn and the Cape of Good Hope. They also believed that riches such as gold and fruit would be found there. 4 Three things are: the wish to escape poverty in Scotland; the hope of finding riches; and the prospects for trade. 5 Good points could include the attraction of a new beginning; adventure; seeing the world; and making a fortune by finding riches, or by trading with the rest of the world. Bad points could include being very far from home and family; the risk of the unknown, especially in a new project such as Darien; and danger, for example on the long sea crossing. It may be fruitful for pupils to return to these answers after they have completed the resource, to compare and contrast their answers with what they now know about how the adventure turned out. Worksheet 2: Raising Money 1 The name of each subscriber and how much money he/she contributed. Also in many cases the town the subscriber lived in and what his occupation was. 2 Many sorts of people: merchants; ministers; gentlemen; soldiers. The list includes all types of people who had enough spare money to invest some of it, but no labourers or other very poor people. Most of the investors are men, because money was usually controlled by them, but there are some women for example Cicilia Fotheringham, Lady Kilry. Notice also that some town councils invested in the project. 3 To pay for cargo to sell, ships to carry the cargo, and all the materials they would need to establish a colony, where houses would have to be built, etc. 4 The most significant reason has to be that they wanted to make a profit. In addition, after English support was withdrawn, the success of the project became a matter of Scottish national pride. 5 They realised that the new Scottish company would be competing with the East India Company. The Good Town of Edinburgh 3,000 Lieutenant Colonel John Erskine, son to David Lord Cardross 1,200 Gideon Eliot Chirurgion there 500 Mr William Eccles, Dr of Medecin 200 Mr Edward Eizat, Dr of Medecin 200 John Edingtoun, Writer there 200 John Eliot, Writer to the Signet 100 Total of other subscribers 394,600 Promised capital 400,000

2 Worksheet 3: William Paterson and The Company of Scotland 1 of the Court of Directors of the Company of Scotland trading to Africa and the Indies; Together with that of the Nominees in the Act of Parliament for establishing the said Company commencing the 14 th day of February 1696 and ending the 15 th day of July February 1696 to 15 July Drawing 4 Ship, camel, elephant and llama. The animals are all carrying large packs. They represent the riches that the Company hoped would be traded and brought back from the colony. 5 The two figures (thought to be an African and a Central American) look friendly and happy. This suggests that the Scots wanted to be friends with them, rather than conquer them. They are both holding horns of plenty filled with flowers and fruit, suggesting that their lands are rich and beautiful. The motto, by talking of the united strength of the world, suggests an idea of nations working together, rather than conquering each other. The rising sun, which was also used on its own as a symbol of the Company of Scotland, suggests the start of a new day; an optimistic vision of a new beginning. If the Scots wanted to conquer nations, we might expect the coat of arms to show swords or other weapons, and also to make more effort to make Scotland look powerful for example, it might show strong-looking Scotsmen instead of friendly native people. 6 fetch home the Indian treasures. Promised capital (carried forward) 400,000 One quarter of the promised capital was paid up 100,000 Spend 3,000 to set up company 3,000 Pay the directors 2,000 for their work 2,000 New capital 95,000 Worksheet 4: The First Expedition 1 It records what provisions (including quantities) were taken to Darien on which ships. 2 Select some from the list (see transcript on Worksheet 4). 3 From the port of Leith, near Edinburgh, on 14 July ,200 5 Anything that would have been needed for establishing a colony, such as clothes, building materials, medicines, foods, seeds, farming tools, knives and forks, candles, etc. Previous capital (carried forward) 95,000 Pay 25,000 for ships and crew 25,000 Spend 20,000 on provisions 20,000 Lose 20,000 through embezzlement 20,000 New capital 30,000

3 Worksheet 5: The Voyage to Darien 1 Draw arrows past Orkney, around the north coast of Scotland, and down to Madeira. From Madeira the arrows should go across to Crab Island, and then on to Darien. 2 The English were hostile to the project, so it was safer to go the long route around the north and down the Atlantic, rather than risking being stopped by the English navy in the Channel. 3 About 4 months. 4 St Andrew, Unicorn, Caledonia, Dolphin and Endeavour. 5 The names symbolise the Scottish nature of the project, and the sense of adventure involved in it. St Andrew Unicorn Caledonia Dolphin Endeavour patron saint of Scotland symbol of Scotland Latin name for Scotland common name for a ship, due to aquatic associations adventurous, hopeful name Previous capital (carried forward) 30,000 Pay 10,000 for extra provisions 10,000 New capital 20,000 Worksheet 6: The Settlement 1 The directors of the Company of Scotland. 2 the matter is to be regulated by the majority of voices: And the several reasons of your different opinions to be entered in your respective journals. 3 The disagreement would be settled by following the opinion of the majority, i.e., through a democratic vote. Everybody should write down their own opinions and reasons in their own journals. This was presumably so that the directors back in Edinburgh would be able to find out an accurate account of what had happened afterwards. 4 Copy of the map. 5 a 10,000 b less c Losing money is a disaster for a company. If it keeps on losing money, it will eventually be bankrupted. Note that one item here is a credit to the account, and the other two are debits. Previous capital (carried forward) 20,000 Receive 10,000 for selling goods 10,000 (added, not subtracted) Pay 15,000 for two relief ships 15,000 Pay 5,000 for more provisions 5,000 New capital 10,000

4 Worksheet 7: The Second Expedition 1 The houses which had been built would be falling down, and the jungle rapidly taking over again. Perhaps there might be some graves of the Scots who had died. 2 Hot, humid climate; shortage of food supplies; attacks from the Spanish. In addition, the English settlers on surrounding islands offered no support, because the King had instructed them not to do so. 3 They could have: taken more food and other supplies with them taken more medicines and medically-trained settlers with them, to reduce the impact of disease and fever tried to negotiate with the Spanish to avert their hostility sent a small group of people on a fact-finding mission to Darien before sending so many settlers, so that they had a better idea of what to expect and how to equip themselves properly for the place On the other hand, assuming all the ships left Scotland fully laden, more food would have meant either less of some other part of the cargo, or taking another ship, which would have used up even more of the company s capital medicine at that time was primitive, and might have done no good at all Spain saw herself as the ruler of this whole region, and it is very unlikely that she would ever have supported another country s interests there The Company of Scotland believed that secrecy was paramount, which is why even the settlers did not know where they were going until after the expedition had left Madeira. If the Company had sent a ship to investigate and report back, then rival countries would probably have heard about it, and might have used their superior resources to colonise Darien before Scotland had time to react. While it is clear that some of the Company of Scotland s decisions were foolish, or at least unfortunate, the body of evidence seems to suggest that the Scots could not have been prepared for everything they faced in Darien. 4 April a John Rankin b six pounds six shillings and six pence c The Rising Sun Note that the account becomes a negative number at this point; in other words, the Company of Scotland ran out of capital. Some pupils may need to be referred back to Activity 2, to remind them of why a company has to have money in order to operate. This will enable them to understand the catastrophic consequences of going 25,000 into debt. Previous capital (carried forward) 10,000 Pay 20,000 for four more ships 20,000 Pay 15,000 for cargo 15,000 New capital - 25,000 Worksheet 8: The Aftermath and Legacy 1 Angry. They blamed the English for the failure of Darien and wanted revenge. 2 The English had obstructed the project, particularly by forcing Scotland to raise all the money itself, without any English money. In addition, the King had ordered the English colonies in the region not to assist the Scots with supplies of food or military assistance. On the other hand, there were other reasons why the project failed

5 which had nothing to do with the English; the climate in Darien was very hostile, the settlers did not have enough supplies, and the Spanish attacked the colony. 3 Scotland was very poor, especially after it lost so much money in the Darien Adventure, and after a series of bad harvests. England, meanwhile, was much more wealthy, particularly because of its successful trade with overseas colonies. Scotland hoped to share in this success by joining with England. It may be appropriate to encourage more able pupils to try placing these factors in order of importance. 4 Money paid to Scotland as compensation for its losses in Darien, and to support Scottish industry. 5 The major factors that have been covered include hostile climate; disease; shortage of provisions; Spanish hostility; and the refusal of the English to support the Scots. 6 This question is an expansion of question 3 on worksheet 7, which addresses how the Scots could have handled the Darien Adventure better. This question looks beyond the Scots own power, to consider all the factors affecting the success or failure of the project, including other groups interests, environmental factors, and sheer luck. While some pupils may give a simple Yes/No answer, more able pupils should be encouraged to expand their responses. They may weigh up the various factors, place them in order of significance, and reach a reasoned conclusion about whether or not the failure of the Darien Adventure was inevitable, and how many factors would have had to be different for the project to succeed. As an extension, pupils may also consider what might have happened, to Darien and to Scotland, if the colony had been a success. As well as the factors covered in question 5, a further point worth considering here is the fact that even today, Darien remains uninhabited. This might suggest that the area is fundamentally unsuited to human settlement.

Factors Leading to The American Revolution. Part I

Factors Leading to The American Revolution. Part I Factors Leading to The American Revolution Part I BELLWORK What was it like to be a colonist living in America at the end of the French and Indian War? UNITED STATES HISTORY STANDARD Concept 4: Revolution

More information

480 Ducats 20 Ducats

480 Ducats 20 Ducats ACTIVITY 21.1 Venice to London Cards 480 Ducats 20 Ducats 98 Pounds Sterling TO: Bank Branch in London Please pay the equivalent of 480 (Payee s Name Goes Here) Ducats (98 Pounds Sterling) from. (Payer

More information

FRENCH AND INDIAN WAR

FRENCH AND INDIAN WAR ROAD TO REVOLUTION FRENCH AND INDIAN WAR French basically kicked out of New World Spain kicked out of Florida and has territory west of the Mississippi England owns everything east of Mississippi, full

More information

The Stamp Act of 1765

The Stamp Act of 1765 The Stamp Act of 1765 By USHistory.org, adapted by Newsela staff on 03.22.17 Word Count 790 An iillustration titled "The repeal, or the funeral procession of Miss America Stamp" shows men in a funeral

More information

American Revolution: Events Leading to War

American Revolution: Events Leading to War American Revolution: Events Leading to War 1660: The Navigation Acts British Action: Designed to keep trade in England and support mercantilism Colonists could only trade goods with England All colonial

More information

Why we are Better Together as part of the United Kingdom

Why we are Better Together as part of the United Kingdom Why we are Better Together as part of the United Kingdom www.bettertogether.net Proud to be Scottish inside the United Kingdom (with England, Wales and Northern Ireland) Better Together is a campaign that

More information

Luncheon Hong Kong Retirement Schemes Association 14 May MPF 15 years and beyond. David Wong Chairman Mandatory Provident Fund Schemes Authority

Luncheon Hong Kong Retirement Schemes Association 14 May MPF 15 years and beyond. David Wong Chairman Mandatory Provident Fund Schemes Authority Luncheon Hong Kong Retirement Schemes Association 14 May 2015 MPF 15 years and beyond David Wong Chairman Mandatory Provident Fund Schemes Authority Yvonne, Peter, ladies and gentlemen, Good afternoon.

More information

The spending maze Try - Activities BBC British Council 2004

The spending maze Try - Activities BBC British Council 2004 The spending maze Cut up the cards and put the number of each card on the back. Then give the students card 1 to read. 1. You work full-time in a computer business, TechnoZone. One day, you buy a one-euro

More information

What's insurance? Mr Owl explains how INSURANCE PROTECTS YOUR STUFF. Dr Allan Manning

What's insurance? Mr Owl explains how INSURANCE PROTECTS YOUR STUFF. Dr Allan Manning What's insurance? Mr Owl explains how INSURANCE PROTECTS YOUR STUFF Dr Allan Manning Contents Introduction 1 How & Why Insurance Started 2 How Property Insurance Works 19 Classes of Insurance 28 How Insurance

More information

How to Start a Revolution

How to Start a Revolution How to Start a Revolution Entire books have been written about the causes of the American Revolution. You ll be glad to know this isn t one of them. But you really should understand how the whole thing

More information

Workplace pensions AUTO ENROLMENT HAS TAKEN OFF

Workplace pensions AUTO ENROLMENT HAS TAKEN OFF Workplace pensions AUTO ENROLMENT HAS TAKEN OFF INTRODUCTION The Government introduced auto enrolment to help more people save for their future. It means your employer will have to give you access to a

More information

Ombudsman s Commentary

Ombudsman s Commentary The SPSO laid five investigation reports before the Scottish Parliament today. Three were about the local government sector and two about the health sector. Case numbers Last month (in June 2011) in addition

More information

Chapter 4. Section 2: Issues Behind the Revolution

Chapter 4. Section 2: Issues Behind the Revolution Chapter 4 Section 2: Issues Behind the Revolution The Proclamation of 1763 Britain ignored the Indian concerns In response, the Ottawa, Huron, Potawatom, & other Great Lakes tribes rebelled against the

More information

5.5 Partnership. 5.5a What is a partnership? 5.5b Key characteristics of a partnership. Activity 1: Nature of a partnership

5.5 Partnership. 5.5a What is a partnership? 5.5b Key characteristics of a partnership. Activity 1: Nature of a partnership 5.5 Partnership 5.5a What is a partnership? Persons who run a business together are said to be in partnership. Partnership is the second form of business organisation at which we shall look, and we will

More information

Bed bugs? It was the hotel that bit us

Bed bugs? It was the hotel that bit us Bed bugs? It was the hotel that bit us Jill Insley March 17 2019 The Sunday Times BUY PRINTS OR SIGNED COPIES OF ROB MURRAY S CARTOONS FROM OUR PRINT GALLERY AT TIMESCARTOONS.CO.UK I booked a hotel in

More information

50 PLUS PLAN. Policy Summary

50 PLUS PLAN. Policy Summary 50 PLUS PLAN Policy Summary 50 Plus Plan Policy Summary In this summary, we try to help you by giving you the key facts of the plan. It doesn t set out the full terms and conditions you will find these

More information

Station 3: The Stamp Act of 1765

Station 3: The Stamp Act of 1765 Station 3: The Stamp Act of 1765 Directions With your group: 1. Read the article about the Stamp Act and complete the questions. Be sure your answers are complete. 2. Next, read Document A a primary source

More information

Joint and Several Liability. Partnership responsibilities

Joint and Several Liability. Partnership responsibilities Joint and Several Liability Partnership responsibilities If you re going into business with partners, you need to know about Joint and Several Liability. This brochure highlights the main issues. Contents

More information

Getting started with Alliance Trust Savings How to guide

Getting started with Alliance Trust Savings How to guide Getting started with Alliance Trust Savings How to guide Contents Getting started 05 How to... Log in 07 How to... Set up a Direct Debit 10 How to... Set up regular monthly dealing 12 How to... Change

More information

YouGov / Daily Telegraph Survey in Scotland: Results Sample Size: 1085 Fieldwork: 23rd - 28th March 2007 For full results click here

YouGov / Daily Telegraph Survey in Scotland: Results Sample Size: 1085 Fieldwork: 23rd - 28th March 2007 For full results click here YouGov / Daily Telegraph Survey in Scotland: Results Sample Size: 1085 Fieldwork: 23rd - 28th March 2007 For full results click here Local Vote (excl don't knows, would not vote) Regional Vote (excl don't

More information

The Colonists Become Defiant

The Colonists Become Defiant The Colonists Become Defiant Pontiac s Rebellion Just as the French & Indian War was ending, the Ottawa chief Pontiac led an uprising of the Ottawa, Delaware, Shawnee, and Seneca tribes against the British,

More information

inheritance options the flexible approach to inheritance tax planning

inheritance options the flexible approach to inheritance tax planning inheritance options the flexible approach to inheritance tax planning more options for your future 055 About us Founded in 1939, we have been taking care of our customers' financial futures for over 60

More information

Revolutionary America: Change and Transformation, Chapter 4

Revolutionary America: Change and Transformation, Chapter 4 Revolutionary America: Change and Transformation, 1764-1783 Chapter 4 Tightening the Reins of Empire Chapter 4-1 Taxation without Representation In 1763, Lord Grenville the Prime Minister, discovered while

More information

JOINT AND SEVERAL LIABILITY. Partnership responsibilities

JOINT AND SEVERAL LIABILITY. Partnership responsibilities JOINT AND SEVERAL LIABILITY Partnership responsibilities June 2016 Contents Why do I need to know about it? 1 What does Joint and Several Liability mean? 1 How do we open a partnership account? 2 How does

More information

We take care of estate administration. Quickly and completely. It s all we do, every day.

We take care of estate administration. Quickly and completely. It s all we do, every day. We take care of estate administration Quickly and completely. It s all we do, every day. At Kings Court Trust, we only do one thing: estate administration. And from the simplest estate through to multi-million

More information

GWINNETT PEDIATRICS & ADOLESCENT MEDICINE

GWINNETT PEDIATRICS & ADOLESCENT MEDICINE GWINNETT PEDIATRICS & ADOLESCENT MEDICINE PATIENT REGISTRATION INFORMATION Date Patient Acct # PATIENT INFORMATION Name: Date of Birth: First Middle Initial Last Sex: Male Female Home Phone: Mom Work Phone:

More information

Summary of ideas to kick-start some pre-funding for social care. Using pensions for care now possible following Budget reforms

Summary of ideas to kick-start some pre-funding for social care. Using pensions for care now possible following Budget reforms Response from Dr. Ros Altmann June 2014 Budget Consultation response using pension freedoms to kick-start social care funding Integrating long-term care into pensions and financial planning: Official estimates

More information

Laura's Big Day [students] Page 1 of 5. Laura s big day

Laura's Big Day [students] Page 1 of 5. Laura s big day Laura's Big Day [students] Page 1 of 5 Laura s big day Laura Jones has just left school and got her first job with a local company. She s very excited at earning decent money at last and is looking forward

More information

Do you think it is right for the U.S. government to use force to keep order?

Do you think it is right for the U.S. government to use force to keep order? Do you think it is right for the U.S. government to use force to keep order? A. Yes, always B. Yes, under certain circumstances C. No, never A. A B. B C. C Chapter 8 The Federalist Era 1789-1800 Section

More information

Interest Rates, Charges & Important Information

Interest Rates, Charges & Important Information Interest Rates, Charges & Important Information Guide To Changes We are making some changes to this brochure. The changes will come into effect on 6th April 2018 and will apply to all St. James s Place

More information

Will included with your plan D R. Your complete guide to Golden Charter Funeral Plans

Will included with your plan D R. Your complete guide to Golden Charter Funeral Plans Will included with your plan THE UK OF S L NE AL I D NE R ER FU S* FROM T GES AR O Your complete guide to Golden Charter Funeral Plans PLAN PRO V 169 The safe, simple way to secure peace of mind, for you

More information

Spring Budget IFS Director Paul Johnson s opening remarks

Spring Budget IFS Director Paul Johnson s opening remarks Spring Budget 2017 IFS Director Paul Johnson s opening remarks Spring Budgets seem to be going out with something of a whimper. Yesterday s was one of the smallest I can remember in pretty much every dimension

More information

GROUP PERSONAL PENSION. A guide to help you prepare for the retirement you want. Prepared for Grant Thornton partners

GROUP PERSONAL PENSION. A guide to help you prepare for the retirement you want. Prepared for Grant Thornton partners THE GRANT THORNTON UK LLP GROUP PERSONAL PENSION PLAN GROUP PERSONAL PENSION A guide to help you prepare for the retirement you want Prepared for Grant Thornton partners Your Grant Thornton company pension

More information

Interest rates, charges and important information

Interest rates, charges and important information Interest rates, charges and important information CONTENTS Savings 1 Current Accounts 9 International Payment Services 13 Mortgages 14 Important Information 15 Savings Intelligent Finance isaver Intelligent

More information

AFFIDAVIT Acceptance for Value. RESOLVED: In Bankruptcy there can be no Controversy.

AFFIDAVIT Acceptance for Value. RESOLVED: In Bankruptcy there can be no Controversy. STATE OF MAINE ) ) ss. County of Cumberland ) AFFIDAVIT COMES NOW, David Robinson, the natural living flesh and blood man, a peaceful American National on the land, under oath, who states that the following

More information

Scottish Independence - Pensions Introduction Credentials Current UK position

Scottish Independence - Pensions Introduction Credentials Current UK position Scottish Independence - Pensions Introduction Having attended the lively debate organised by Andrew Sloan of the Scottish Business group I came away feeling that it was an interesting and worthwhile exercise

More information

ANDREW MARR SHOW 12 TH MARCH 2017 REBECCA LONG-BAILEY

ANDREW MARR SHOW 12 TH MARCH 2017 REBECCA LONG-BAILEY 1 ANDREW MARR SHOW 12 TH MARCH 2017 REBECCA LONG-BAILEY AM: Can I ask first of all about this row in Scotland. Do you think it will be fine to have a second Scottish referendum? RLB: Well, I think Jeremy

More information

Money and Banking Prof. Dr. Surajit Sinha Department of Humanities and Social Sciences Indian Institute of Technology, Kanpur.

Money and Banking Prof. Dr. Surajit Sinha Department of Humanities and Social Sciences Indian Institute of Technology, Kanpur. Money and Banking Prof. Dr. Surajit Sinha Department of Humanities and Social Sciences Indian Institute of Technology, Kanpur Lecture 39 What I am going to start today is the cooperative banks its amazing

More information

Terms and conditions of sale of stairlifts

Terms and conditions of sale of stairlifts Terms and conditions of sale of stairlifts These terms and conditions relate to you buying a stairlift direct from us, Stannah Lift Services Ltd. They do not apply to products you bought or are buying

More information

On track. with The Wrigley Pension Plan

On track. with The Wrigley Pension Plan Issue 2 September 2013 On track with The Wrigley Pension Plan Pensions: a golden egg? There s a definite bird theme to this edition of On Track. If you want to add to your nest egg for retirement, we ll

More information

INTRODUCING OUR GROUP PENSION PLAN

INTRODUCING OUR GROUP PENSION PLAN Name: Mr D Wilson Scheme: Newco Group Personal Pension Plan INTRODUCING OUR GROUP PENSION PLAN On 1 May 2015, you'll be automatically enrolled into our group pension plan. You don't need to do anything

More information

Will included Exclusions apply. Your complete guide to Golden Charter Funeral Plans

Will included Exclusions apply. Your complete guide to Golden Charter Funeral Plans Will included Exclusions apply Your complete guide to Golden Charter Funeral s 192 The safe, simple way to secure peace of mind, for you and your family Thank you for your interest in Golden Charter. Our

More information

The Great Depression

The Great Depression The Great Depression Causes: Economic problems (late 1920 s): 1. Post war economic boom is slowing down: War related industries suffer Consumer spending levels off Less foreign markets for goods (tariffs)

More information

Harvesting Losses Making lemonade out of lemons

Harvesting Losses Making lemonade out of lemons SCHWAB CENTER FOR INVESTMENT RESEARCH MARCH 2004 Harvesting Losses Making lemonade out of lemons The Schwab Center for Investment Research The Schwab Center for Investment, Research a division of Charles

More information

Pay As You Go Meter Statement

Pay As You Go Meter Statement Pay As You Go Meter Statement A Pay As You Go meter (or Prepayment meter) A meter that lets you pay for your electricity and gas in advance. You can buy credit at hundreds of Post Office branches or PayPoint

More information

Will included with your plan. Calos Funeral Directors Ltd.

Will included with your plan. Calos Funeral Directors Ltd. Will included with your plan Calos Funeral Directors Ltd. 183 The safe, simple way to secure peace of mind, for you and your family Thank you for finding out more about our funeral plans. As an independent

More information

Andrew Bolt on Malcolm Turnbull: Time to stand up and invest in Australian businesses Andrew Bolt, Herald Sun

Andrew Bolt on Malcolm Turnbull: Time to stand up and invest in Australian businesses Andrew Bolt, Herald Sun Andrew Bolt on Malcolm Turnbull: Time to stand up and invest in Australian businesses Andrew Bolt, Herald Sun Malcolm Turnbull says Trump 'like family' Andrew Bolt MALCOLM Turnbull was having a ball with

More information

Status of exploration of the Faroese Area Ben Arabo, Faroe Oil Industry Group

Status of exploration of the Faroese Area Ben Arabo, Faroe Oil Industry Group Status of exploration of the Faroese Area Ben Arabo, Faroe Oil Industry Group Offshore Faroes 2003 Conference, Tórshavn, 2 December 2003 FOÍB - its twelve members are very pleased to get this opportunity

More information

Why do you need a pension? State and other types of pension schemes. Company or occupational pensions offered by Employers

Why do you need a pension? State and other types of pension schemes. Company or occupational pensions offered by Employers Contents: What is a pension? Why do you need a pension? State and other types of pension schemes Company or occupational pensions offered by Employers Personal or private pension schemes Shopping around

More information

the number of deceased donor transplants fell by 13%

the number of deceased donor transplants fell by 13% Duncan McNeil Convener, Health and Sport Committee C/o Room T3.60 Scottish Parliament Edinburgh EH99 1SP Anne McTaggart MSP Room M1.11 Scottish Parliament EH99 1SP 1 December 2015 Dear Mr McNeil, I am

More information

Sterlingisation = Deprivation: why an independent Scotland must have an independent currency

Sterlingisation = Deprivation: why an independent Scotland must have an independent currency Sterlingisation = Deprivation: why an independent Scotland must have an independent currency Money makes the world go round but some money is more valuable than others. In our monetary society, the choice

More information

THE ANDREW MARR SHOW INTERVIEW: GEORGE OSBORNE, MP CHANCELLOR OF THE EXCHEQUER APRIL 12 th 2015

THE ANDREW MARR SHOW INTERVIEW: GEORGE OSBORNE, MP CHANCELLOR OF THE EXCHEQUER APRIL 12 th 2015 PLEASE NOTE THE ANDREW MARR SHOW MUST BE CREDITED IF ANY PART OF THIS TRANSCRIPT IS USED THE ANDREW MARR SHOW INTERVIEW: GEORGE OSBORNE, MP CHANCELLOR OF THE EXCHEQUER APRIL 12 th 2015 Headlines: Chancellor

More information

Property buyers pocket guide Introduction to Madeira

Property buyers pocket guide Introduction to Madeira Property buyers pocket guide Introduction to Madeira Madeira, due to its quite exceptional year-round subtropical temperatures and with its Portuguese influence and friendly people is a growing destination

More information

Americans Say Tax Plan Helps Wealthy, Not Middle Class Republicans Expect Economic Boost, but not Personal Tax Cut December 3-5, 2017

Americans Say Tax Plan Helps Wealthy, Not Middle Class Republicans Expect Economic Boost, but not Personal Tax Cut December 3-5, 2017 CBS NEWS POLL For release: Thursday, December 7, 2017 7:00 am ET Americans Say Tax Plan Helps Wealthy, Not Middle Class Republicans Expect Economic Boost, but not Personal Tax Cut December 3-5, 2017 The

More information

Stronger for Scotland

Stronger for Scotland Stronger for Scotland SNP General Election manifesto 2017 Easy Read summary Stronger for Scotland SNP MPs have helped to change things for the better in the past two years. Here s just some of what a strong

More information

TERMS & CONDITIONS November 2018

TERMS & CONDITIONS November 2018 TERMS & CONDITIONS THANK YOU FOR CONSIDERING A PURE CREMATION PRE-PAID FUNERAL PLAN. This document tells you who we are, how our plans work and how any changes can be made to your plan. It also explains

More information

YOUGOV / SUNDAY TIMES SURVEY Fieldwork July 19-20, 2007; sample 1,664 For detailed tables, click here

YOUGOV / SUNDAY TIMES SURVEY Fieldwork July 19-20, 2007; sample 1,664 For detailed tables, click here YOUGOV / SUNDAY TIMES SURVEY Fieldwork July 19-20, 2007; sample 1,664 For detailed tables, click here Voting intention % Conservative 33 Labour 40 Liberal Democrat 15 Some other party 12 Who would you

More information

British Future State of the Nation 2012/3 Topline Results

British Future State of the Nation 2012/3 Topline Results British Future State of the Nation 0/ Topline Results Ipsos MORI conducted, interviews online with British adults aged -7. Fieldwork took place between rd 7 th November 0. Results are based on alll adults

More information

Top 5 Bookkeeping Strategies That Will Save You Thousands!!

Top 5 Bookkeeping Strategies That Will Save You Thousands!! Top 5 Bookkeeping Strategies That Will Save You Thousands!! BY HITESH MOHANLAL The Experts in Tax Minimisation Tel 1300 440 316 info@crystalclearbookkeeping.com.au www.crystalclearbookkeeping.com.au Introduction

More information

CHARITY TERMS AND CONDITIONS

CHARITY TERMS AND CONDITIONS CHARITY TERMS AND CONDITIONS 1 YOUR TERMS AND CONDITIONS Here are the terms and conditions of your Virgin Money Charity Account. Together with your Key product information sheet with summary box, they

More information

Report on Women and Pensions Helpline 18 October to 10 December 2004

Report on Women and Pensions Helpline 18 October to 10 December 2004 Report on Women and Pensions Helpline 18 October to 10 December 2004 Contents 2 Executive Summary 3 Introduction 4 Our Callers 5 State Pension Enquiries 6 Shortfall in National Insurance Contributions

More information

What drove them to revolution?!!

What drove them to revolution?!! What drove them to revolution?!! British colonists could not settle the land west of the Appalachian mountains. George Grenville became the Prime Minister, he wanted to reduce Britain's debt from the

More information

Annuity solutions in a low-yield environment Received (in revised form): 28th July, 2000

Annuity solutions in a low-yield environment Received (in revised form): 28th July, 2000 Annuity solutions in a low-yield environment Received (in revised form): 28th July, 2000 Elaine Flower has many years experience of advising individuals on all areas of personal financial planning. She

More information

THM Financial Planning Client News

THM Financial Planning Client News THM Financial Planning Client News Q1: 2016 I have pleasure in sending you the latest edition of our regular newsletter. I hope that the New Year has started well for you and that you didn t break your

More information

VANCOUVER ISLAND OR DOUGLAS TREATIES 101

VANCOUVER ISLAND OR DOUGLAS TREATIES 101 VANCOUVER ISLAND OR DOUGLAS TREATIES 101 Introduction By Dr. John Lutz, History Department, University of Victoria WHO WAS JAMES DOUGLAS? Fur trader. Son of Scottish merchant and a Black woman or mixed

More information

Transcript of Ed Davey interview

Transcript of Ed Davey interview Transcript of Ed Davey interview PLEASE NOTE "THE ANDREW MARR SHOW" MUST BE CREDITED IF ANY PART OF THIS TRANSCRIPT IS USED THE ANDREW MARR SHOW INTERVIEW: ED DAVEY, MP ENERGY AND CLIMATE CHANGE SECRETARY

More information

TOTAL LOSSES. by Dr Nicholas G. Berketis. ATHENS UNIVERSITY OF ECONOMICS AND BUSINESS, MSc in International Shipping, Finance and Management

TOTAL LOSSES. by Dr Nicholas G. Berketis. ATHENS UNIVERSITY OF ECONOMICS AND BUSINESS, MSc in International Shipping, Finance and Management TOTAL LOSSES by Dr Nicholas G. Berketis Two (2) classes of losses on a marine insurance policy: Ø Total Losses Ø Partial Losses l Any loss, which is not a total loss is a partial loss Actual Total Loss

More information

Interest rates, charges and important information

Interest rates, charges and important information Interest rates, charges and important information Guide to Changes: We are making some changes to this brochure. The changes will come into effect on 6 April 2018 and will apply to all Intelligent Finance

More information

NEDGROUP INVESTMENTS BRAVATA WORLDWIDE FLEXIBLE FUND. Quarter Four, 2017

NEDGROUP INVESTMENTS BRAVATA WORLDWIDE FLEXIBLE FUND. Quarter Four, 2017 NEDGROUP INVESTMENTS BRAVATA WORLDWIDE FLEXIBLE FUND Quarter Four, 2017 For the period ended 31 December 2017 NEDGROUP INVESTMENTS BRAVATA WORLDWIDE FLEXIBLE FUND FUND PERFORMANCE The fund had a subdued

More information

Alan P. Squires Solicitor

Alan P. Squires Solicitor Alan P. Squires Solicitor In this brochure you will find brief summaries of some of the legal services that I provide. If you do not find the information that you are looking for, please email or telephone

More information

How Working Affects SSA Benefits. Presented by MRS

How Working Affects SSA Benefits. Presented by MRS How Working Affects SSA Benefits Presented by MRS What will I learn today? A better understanding of how working affects Social Security disability benefits. Insight into the variety of disability programs

More information

CHECK AGAINST DELIVERY MINING INDABA KEYNOTE ADDRESS. Norman Mbazima, Deputy Chairman of Anglo American SA 5 February 2018

CHECK AGAINST DELIVERY MINING INDABA KEYNOTE ADDRESS. Norman Mbazima, Deputy Chairman of Anglo American SA 5 February 2018 CHECK AGAINST DELIVERY MINING INDABA KEYNOTE ADDRESS Norman Mbazima, Deputy Chairman of Anglo American SA 5 February 2018 REVIVING MINING S HOLY GRAIL How we can encourage investment back into South Africa

More information

THE ARMED FORCES STAKEHOLDER PENSION SCHEME A GUIDE TO HELP YOU PREPARE FOR THE RETIREMENT YOU WANT

THE ARMED FORCES STAKEHOLDER PENSION SCHEME A GUIDE TO HELP YOU PREPARE FOR THE RETIREMENT YOU WANT THE ARMED FORCES STAKEHOLDER PENSION SCHEME A GUIDE TO HELP YOU PREPARE FOR THE RETIREMENT YOU WANT The Official Armed Forces pension scheme is provided by Scottish Widows. SUPPORTING LITERATURE AND TOOLS

More information

Key Features of Mortgage. Protection

Key Features of Mortgage. Protection Key Features of Mortgage & Lifestyle Protection The Financial Services Authority is the independent financial services regulator. It requires us, LV=, to give you this important information to help you

More information

Protected Retirement Plan

Protected Retirement Plan Protected Retirement Plan Flexi Access Drawdown Plan Conditions Customer Version Document Reference: PRP13C Protected Retirement Plan Plan Conditions Welcome to LV=, and thank you for choosing to invest

More information

Homeowner Contract (with Consultant) 2013 Edition for use in Scotland. This publication contains:

Homeowner Contract (with Consultant) 2013 Edition for use in Scotland. This publication contains: Homeowner Contract (with Consultant) 2013 Edition for use in Scotland This publication contains: SBC 543 Page Homeowner Contract 3 for a homeowner/occupier who has appointed a consultant to oversee the

More information

What s in store for investors in 2018?

What s in store for investors in 2018? What s in store for investors in 2018? If the previous 18 months brought political upheaval, the next could bring an equally significant shift in the financial landscape. With inflation and interest rates

More information

Our Painting of the Week

Our Painting of the Week Our Painting of the Week Henry Rousseau: French Artist 1844-1910 Ridiculed during his lifetime by critics; they thought his work was too flat & childish "When I go into the glass houses and I see the strange

More information

Warm Up. 1 Pull out your America The Story of Us video question sheet from Friday

Warm Up. 1 Pull out your America The Story of Us video question sheet from Friday Warm Up 1 Pull out your America The Story of Us video question sheet from Friday 2 Remember if you missed a few it is ok you will have a chance to get all the answers at the end 3 Quiz Questions are in

More information

MONEY MATTERS STUDENT GUIDE

MONEY MATTERS STUDENT GUIDE MONEY MATTERS STUDENT GUIDE Truth Centered Transformation is a ministry of Reconciled World. Learn more at tctprogram.org. Table of Contents DEVOTION 1... 1 DEVOTION 2... 2 DEVOTION 3... 3 DEVOTION 4...

More information

M&S PREMIUM CLUB. Terms and conditions

M&S PREMIUM CLUB. Terms and conditions M&S PREMIUM CLUB Terms and conditions 2 TERMS AND CONDITIONS M&S Premium Club is a package of benefits available to customers while they hold an M&S Credit Card or other M&S Bank product as determined

More information

PSYCHOLOGY OF FOREX TRADING EBOOK 05. GFtrade Inc

PSYCHOLOGY OF FOREX TRADING EBOOK 05. GFtrade Inc PSYCHOLOGY OF FOREX TRADING EBOOK 05 02 Psychology of Forex Trading Psychology is the study of all aspects of behavior and mental processes. It s basically how our brain works, how our memory is organized

More information

INVESTING FOR YOUR RETIREMENT. The choice is yours

INVESTING FOR YOUR RETIREMENT. The choice is yours INVESTING FOR YOUR RETIREMENT The choice is yours 2 Supporting your journey. Thinking about your retirement isn t always easy, as it can feel far away. But knowing which way you re heading can give you

More information

The Local Government Pension Scheme

The Local Government Pension Scheme The Local Government Pension Scheme Ways of Increasing Retirement Benefits A guide to various options for adding to the benefits you can receive from the Local Government Pension Scheme 1 WAYS OF INCREASING

More information

Product disclosure statement

Product disclosure statement Product disclosure statement Contents 1. Key information 3 2. Spot Contracts 3 3. Forward Contracts 4 4. Options Contracts 5-7 5. How we are paid 6 6. Costs of the products 7 7. Terms and Conditions 7

More information

GROUP LIFE ASSURANCE AND DEPENDANTS PENSIONS.

GROUP LIFE ASSURANCE AND DEPENDANTS PENSIONS. GROUP PROTECTION GROUP LIFE ASSURANCE AND DEPENDANTS PENSIONS. Registered schemes and excepted group life policies. Helping you understand our policy. This is an important document which we suggest you

More information

Guide to buying an annuity

Guide to buying an annuity Guide to buying an annuity 2 Welcome to our guide to buying an annuity You now have more choice than ever before when it comes to using your pension savings. Of course having more options can make it difficult

More information

The U.S A in the 1920s BOOM BUST BOOM. A time of BUST BUST. A time of BOOM

The U.S A in the 1920s BOOM BUST BOOM. A time of BUST BUST. A time of BOOM The U.S A in the 1920s BOOM BUST A time of BOOM BUST A time of BUST BOOM What was happening in the U.S.economy in the 1920s? It was a time of BOOM What does this mean? What sort of industries were booming?

More information

Income Protection and Budget Income Protection

Income Protection and Budget Income Protection Income Protection and Budget Income Protection Key Features of the Flexible Protection Plan The Financial Conduct Authority is a financial services regulator. It requires us, LV=, to give you this important

More information

Your classic plus SHQVLRQ EHQHîWV H[SODLQHG $ JXLGH WR DYDLODEOH EHQHîWV

Your classic plus SHQVLRQ EHQHîWV H[SODLQHG $ JXLGH WR DYDLODEOH EHQHîWV Your classic plus Contents Introduction 3 Membership 4 Paying for your benefits 6 Boosting your pension 7 Leaving early 8 Leaving or opting out what happens to your pension benefits? 8 Actuarially-reduced

More information

THE NTT EUROPE COMPANY PENSION GROUP PERSONAL PENSION. A guide to help you prepare for the retirement you want

THE NTT EUROPE COMPANY PENSION GROUP PERSONAL PENSION. A guide to help you prepare for the retirement you want THE NTT EUROPE COMPANY PENSION GROUP PERSONAL PENSION A guide to help you prepare for the retirement you want Your NTT Europe company pension is provided by Scottish Widows. SUPPORTING LITERATURE AND TOOLS

More information

Fort Worth Community Credit Union Credit Card Agreement and Disclosure Statement For Your MasterCard Platinum or VISA Platinum Account

Fort Worth Community Credit Union Credit Card Agreement and Disclosure Statement For Your MasterCard Platinum or VISA Platinum Account Fort Worth Community Credit Union Credit Card Agreement and Disclosure Statement For Your MasterCard Platinum or VISA Platinum Account Notice: Read and retain this copy of your Credit Card Agreement and

More information

From the date of your certificate you will be legally recognised in your acquired gender.

From the date of your certificate you will be legally recognised in your acquired gender. Benefits and Pensions note How getting a full Gender Recognition Certificate may affect National Insurance, pensions and other social security benefits for applicants and their spouses or civil partners.

More information

Provided by Scottish Widows Bank SUMMARY BOX SUMMARY BOX. The interest rate is variable. The current rate is shown in the table below.

Provided by Scottish Widows Bank SUMMARY BOX SUMMARY BOX. The interest rate is variable. The current rate is shown in the table below. E-CASH ISA 3 Provided by Scottish Widows Bank SUMMARY BOX PLEASE READ THIS SUMMARY BOX BEFORE YOU COMPLETE THE APPLICATION AND THEN KEEP IT FOR YOUR RECORDS. DON T RETURN IT WITH THE APPLICATION. This

More information

Partners Group Life Assurance

Partners Group Life Assurance Partners Group Life Assurance For partnerships and limited liability partnerships. Helping you understand our policy Technical guide This is an important document which we suggest you keep in a safe place.

More information

WE RE HERE FOR YOU. Expert local personal injury advice. QualitySolicitors Bradbury Roberts & Raby

WE RE HERE FOR YOU. Expert local personal injury advice. QualitySolicitors Bradbury Roberts & Raby WE RE HERE FOR YOU Expert local personal injury advice QualitySolicitors Bradbury Roberts & Raby 2 A guide to help you We know that an injury can cause a wide range of problems, more than just coping with

More information

Protected Retirement Plan

Protected Retirement Plan Protected Retirement Plan Capped Drawdown Plan Conditions Customer Version Document Reference: PRP14C Protected Retirement Plan Plan Conditions Welcome to LV=, and thank you for choosing to invest in our

More information

...always an animal lover

...always an animal lover Once an animal lover As an animal lover, you understand the comfort and joy pets bring to our lives. The good news is that you can do something very special for them in return by remembering the Royal

More information

Current Account Application Form

Current Account Application Form Current Account Application Form Royalties Royalties Gold Current Account Cash Account Revolve Account (16-18 years old) Key Account Please contact us before completing your application to ensure we open

More information

How has money changed over the centuries? What are the functions of money? Where does our money come from?

How has money changed over the centuries? What are the functions of money? Where does our money come from? How has money changed over the centuries? What are the functions of money? Where does our money come from? Section Preview In this section, you will learn that money functions as a medium of exchange,

More information