Letter to S.D. Woodruff from Wm. Shelley, treasurer of the Jarvis-Conklin Mortgage Trust Company

Letter to S.D. Woodruff from Wm. Shelley, treasurer of the Jarvis-Conklin Mortgage Trust Company to please look for the Maria Cogswell loan papers, Aug. 14, 1888.

Letter to S.D. Woodruff from Wm. Shelley, treasurer of the Jarvis-Conklin Mortgage Trust Company

Letter to S.D. Woodruff which accompanied to check for the Maria Cogswell account. The letter was sent by Wm. Shelley, treasurer of Jarvis-Conklin Mortgage Trust Company, May 25, 1889.

Letter to S.D. Woodruff which accompanied the payment on the John Schmidt loan signed by S.L. Conklin, assistant secretary of Jarvis-Conklin Mortgage Trust Company

Letter to S.D. Woodruff (1 page, typed) which accompanied the payment on the John Schmidt loan signed by S.L. Conklin, assistant secretary of Jarvis-Conklin Mortgage Trust Company, July 9, 1889.

Letter to S.D. Woodruff to please return coupons signed by the Jarvis-Conklin Mortgage Trust Co.,

Letter (1 page, typed) to S.D. Woodruff to please return coupons signed by the Jarvis-Conklin Mortgage Trust Co., Nov. 30, 1889.

Letter - Herbert Mills of Jarvis-Conklin Mortgage Trust Company to S.D. Woodruff

Letter (1 page, typed) to S.D. Woodruff which accompanied the Rothrock account papers. Signed by Herbert Mills, assistant treasurer of Jarvis-Conklin Mortgage Trust Company, Oct. 27, 1890.

Voucher #22 to James McCoppen (copy) which includes a letter from James McCoppen regarding a claim for having water backed up into his grain and grass by the embankment of the railroad. The letter is dated June 24, 1857 and the voucher is dated Jul. 1, 1857

Voucher #22 to James McCoppen (copy) which includes a letter from James McCoppen regarding a claim for having water backed up into his grain and grass by the embankment of the railroad. The letter is dated June 24, 1857 and the voucher is dated Jul. 1, 1857.

Indenture of mortgage between Robert and Eunice Telfer of the Township of London to Ira Spaulding of the Township of Stamford

Indenture of mortgage between Robert and Eunice Telfer of the Township of London to Ira Spaulding of the Township of Stamford for Lot 17 in Block U in the Village of Komoka, Middlesex – instrument no. 1044. This was recorded on Dec. 21, 1857 in Liber B, folio 945, Apr. 7, 1857.

Indenture of assignment of mortgage between Executors of the Zimmerman Estate and the Bank of Upper Canada

Indenture of assignment of mortgage between Executors of the Zimmerman Estate and the Bank of Upper Canada regarding Lot no. 4 in block O in the Town of Elgin – instrument no. 6360, May 14, 1858.

Discharge of Mortgage signed by Henry Kalar, President of the Niagara Permanent Building Society

Discharge of Mortgage signed by Henry Kalar, President of the Niagara Permanent Building Society stating that John McNeilly [?] has satisfied all money due and the mortgage is therefore discharged. The right hand side of this document is burned. Text is slightly affected, Aug. 8, 1853.

Indenture (vellum) of mortgage between the Port Hope, Lindsay and Beaverton Railway Company and Joseph Augustus Woodruff of Niagara and Gilbert McMicken of the Village of Elgin in Welland

Indenture (vellum) of mortgage between the Port Hope, Lindsay and Beaverton Railway Company and Joseph Augustus Woodruff of Niagara and Gilbert McMicken of the Village of Elgin in Welland. This document was registered Jan.4, 1856 – instrument no. 586, Dec. 29, 1855.

Desired learning outcomes for the curricula in financial services industry as perceived by professionals in the financial services industry located in the Greater Toronto Area /

This study sought to explore the changing nature of the financial services industry in Toronto, Canada and the impact that these changes will have on the vocational educational outcomes required by Ontario Colleges of Applied Arts and Technology (CAAT) graduates who wish to enter the financial services industry. The study was descriptive and exploratory, based on both quantitative and qualitative data. Triangulation of 3 data sources (a collection of newspaper articles from the Toronto Star between July 1999 and June 2000, the calendars of the 25 CAATs, and a survey questionnaire prepared by me and distributed to subject matter experts who are key practitioners in the financial services industry) was used. The study contains a discussion of how the financial services industry is changing. The first question to be answered was: What do current practitioners in financial services perceive to be the knowledge, skills, and attitudes that will be required of future graduates for employment within the financial services industry? The study found that Ontario CAAT's graduates entering the financial services field need both business and financial services vocational learning outcomes. Colleges should have 2 programs 1 in accounting and 1 in financial services. The report addresses which specific topics should be included in the financial services program. The second question to be answered was: How does this anticipated profile of knowledge, skills, and attitudes change depending on the degree of implementation of the new technologies by the survey respondent? The study found no pattern. The third question to be answered was: In what way do existing programs need to change in the area of accreditation as perceived by the respondents? The study found that for accreditation, 3 credentials should be addressed within the financial services program. These are the Canadian Securities, the Life Underwriters, and the Certified Financial Planner designations. The last question to be answered was: What new knowledge, skills, and attitudes need to be incorporated into college curricula to address changing needs in the employment sector? For each Ontario CAAT which has a financial services program (excluding accounting), their program was reviewed in light of the topics as perceived by professionals in the financial services industry.

Scholfield-Galbraith family fonds, 1865-1924

The Scholfield and Galbraith families of Dunnville, Ont. were related by marriage. Thomas Jefferson Galbraith (1842-1921) worked as a collector of canal tolls at Port Maitland, a landing waiter and searcher and an acting preventive officer in Customs. He was married to Jane Ann [Jennie] Montieth and they had five children, Margaret, Minnie Montieth, Genevieve Marion, Edith Stuart and Thomas Percy Galbraith. Genevieve Marion Galbraith was married to Harry E. Scholfield, son of Frederick Scholfield (d.1908) and Georginna Galer (d. 1888), a dry goods merchant in Dunnville. Some extent records belong to a William Scholfield who operated a mill in Dunnville. Included are records related to land lease, mortgage and bargain and sale agreements between Scholfield and various individuals, including Richard Kirkpatrick, William Kohler, Alvin Drake, Robert Ban[u]d, Henry Beckett, Sr., Samuel Waltho, Nehemiah Niece.

The Informational Value of Corporate Credit Ratings

This thesis examines the quality of credit ratings issued by the three major credit rating agencies - Moody’s, Standard and Poor’s and Fitch. If credit ratings are informative, then prices of underlying credit instruments such as fixed-income securities and credit default insurance should change to reflect the new credit risk information. Using data on 246 different major fixed income securities issuers and spanning January 2000 to December 2011, we find that credit default swaps (CDS) spreads do not react to changes in credit ratings. Hence credit ratings for all three agencies are not price informative. CDS prices are mostly determined by historical CDS prices while ratings are mostly determined by historical ratings. We find that credit ratings are marginally more sensitive to CDS than CDS are sensitive to ratings.

ASSESSING THE PERFORMANCE OF EMERGING MARKET MUTUAL FUNDS IN CANADA

Emerging markets have received wide attention from investors around the globe because of their return potential and risk diversification. This research examines the selection and timing performance of Canadian mutual funds which invest in fixed-income and equity securities in emerging markets. We use (un)conditional two- and five-factor benchmark models that accommodate the dynamics of returns in emerging markets. We also adopt the cross-sectional bootstrap methodology to distinguish between ‘skill’ and ‘luck’ for individual funds. All the tests are conducted using a comprehensive data set of bond and equity emerging funds over the period of 1989-2011. The risk-adjusted measures of performance are estimated using the least squares method with the Newey-West adjustment for standard errors that are robust to conditional heteroskedasticity and autocorrelation. The performance statistics of the emerging funds before (after) management-related costs are insignificantly positive (significantly negative). They are sensitive to the chosen benchmark model and conditional information improves selection performance. The timing statistics are largely insignificant throughout the sample period and are not sensitive to the benchmark model. Evidence of timing and selecting abilities is obtained in a small number of funds which is not sensitive to the fees structure. We also find evidence that a majority of individual funds provide zero (very few provide positive) abnormal return before fees and a significantly negative return after fees. At the negative end of the tail of performance distribution, our resampling tests fail to reject the role of bad luck in the poor performance of funds and we conclude that most of them are merely ‘unlucky’.

Barnes Wines, Limited By-Law No. 91

The summary states "a by-law respecting the borrowing of money, the issuing of securities and the securing of liabilities of Barnes Wines, Limited".