Balance sheet including copy of the cash book and auditor’s report for 12 months ending May 31, 1880

Balance sheet including copy of the cash book and auditor’s report (1 page, printed) for 12 months ending May 31, 1880.

Balance sheet including copy of the cash book and auditor’s report for 12 months ending May 31, 1881

Balance sheet including copy of the cash book and auditor’s report (1 page, printed) for 12 months ending May 31, 1881.

Balance sheet including copy of the cash book and auditor’s report for 12 months ending May 31, 1882

Balance sheet including copy of the cash book and auditor’s report (1 page, printed) for 12 months ending May 31, 1882.

Letter to H.H. Collier of the Auditor’s Office in Austin, Texas from D.W. Fitch, publisher of the Houston Star Newspaper

Letter to H.H. Collier of the Auditor’s Office in Austin, Texas from D.W. Fitch (3 pages, handwritten), publisher of the Houston Star Newspaper. The letter is about newspaper business and personal matters. It is stated that Henry might go to Austin. This letter has been torn and taped. This does not affect the text, Feb. 28, 1841.

By Laws of the Corporation of the Town of Welland, 1878 [fragment]

The fragment appears to be part of a larger group of bylaws for the Town of Welland, 1878. The fragment includes bylaws Cap. I and Cap. II. Cap. I is a bylaw appointing auditors for the town for the year 1878. Due to paper loss only a portion of the title of the Cap. II bylaw is extent but appears to be a bylaw appointing a Hey…….trustee for the town. Welland was incorporated in 1858 as a town and became a city in 1917.

Using a Bayesian model for bankruptcy prediction : a comparative approach

The purpose of this study is to examine the impact of the choice of cut-off points, sampling procedures, and the business cycle on the accuracy of bankruptcy prediction models. Misclassification can result in erroneous predictions leading to prohibitive costs to firms, investors and the economy. To test the impact of the choice of cut-off points and sampling procedures, three bankruptcy prediction models are assessed- Bayesian, Hazard and Mixed Logit. A salient feature of the study is that the analysis includes both parametric and nonparametric bankruptcy prediction models. A sample of firms from Lynn M. LoPucki Bankruptcy Research Database in the U. S. was used to evaluate the relative performance of the three models. The choice of a cut-off point and sampling procedures were found to affect the rankings of the various models. In general, the results indicate that the empirical cut-off point estimated from the training sample resulted in the lowest misclassification costs for all three models. Although the Hazard and Mixed Logit models resulted in lower costs of misclassification in the randomly selected samples, the Mixed Logit model did not perform as well across varying business-cycles. In general, the Hazard model has the highest predictive power. However, the higher predictive power of the Bayesian model, when the ratio of the cost of Type I errors to the cost of Type II errors is high, is relatively consistent across all sampling methods. Such an advantage of the Bayesian model may make it more attractive in the current economic environment. This study extends recent research comparing the performance of bankruptcy prediction models by identifying under what conditions a model performs better. It also allays a range of user groups, including auditors, shareholders, employees, suppliers, rating agencies, and creditors' concerns with respect to assessing failure risk.

Province of Upper Canada Land Grant to Ann Cook, 1812

A grant of land to Ann Cook of the Township of Crowland. The land is situated in the township of Wainfleet, in the County of Lincoln, in the district of Niagara. Ann Cook is granted 200 acres in lot no. 32 in the 4th concession in Wainfleet. One of the signatures on the document is illegible but other signatures include: Prideaux Selby, auditor general on April 15, 1812. This is the date that the document was entered into the auditor’s office. Isaac Brock has signed in the upper left hand corner as “Isaac Brock President” which refers to the fact that he was President administering the Government of Upper Canada and Major General commanding the forces within the province. It is also signed on the left hand side by John Macdonell (who is buried at Brock’s Monument). At the time, he was the attorney general.

Thomas Millard Senior land grant, 1797

Thomas Millard Senior was born in Middlesex, Connecticut, in 1728. He served as a Private with Butler’s Rangers. In July 1784, Thomas and his wife Mary, along with their 4 children, were on a list “to settle and cultivate the lands opposite Niagara”. He took the oath of allegiance at Niagara around 1784-85.

Province of Upper Canada Grant to the Honorable Peter Russell of the Township of Newark

Province of Upper Canada Grant to the Honorable Peter Russell of the Township of Newark. He is granted 150 acres in the Town of Newark in the County of Lincoln. This is registered in Liber B, folio 133. This was entered in the auditor’s office July 26, 1796. This document is held together with tape. The text is not affected, July 2, 1796.

Province of Upper Canada Grant (paper mounted on canvas) to the Honorable Peter Russell of the Township of Newark

Province of Upper Canada Grant (paper mounted on canvas) to the Honorable Peter Russell of the Township of Newark. He is granted 10 acres in the Township of Newark in the County of Lincoln. This document is mounted on canvas. This was entered in the auditor’s office Sept.29, 1797. Part of the paper document is missing but this does not affect the text, Sept. 1, 1797.

Province of Upper Canada Grant (paper mounted on canvas) to William Dickson

Province of Upper Canada Grant (paper mounted on canvas) to William Dickson. He is granted 24 acres with allowance for roads in the Town of Newark in the County of Lincoln. This was entered in the auditor’s office on June 12, 1798. Parts of the paper are missing. This affects the text slightly, Nov. 10, 1797.

Province of Upper Canada Grant (paper mounted on canvas) to Alexander McDonell

Province of Upper Canada Grant (paper mounted on canvas) to Alexander McDonell. He is granted 400 acres in the Town of York, Lots numbered 12 and 13 in the 3rd Concession and part of Lot no. 16 in the 4th Concession. This was entered in the auditor’s office Dec 31, 1798, Dec. 31, 1798.