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4 FEDERAL RESERVE BANK OF CHICAGO 79 WEST MONROE STREET OFFICERS JAMES B. Mc OOUGAL GOVERNOR C. R. Mc KAY DEPUTY GOVERNOR W. F. Mc LALLEN SECRETARY B. G. MSCLOUD CAsHIER DI RECTORS C. H. BOSWORTH W. F. MSLALLEN J. B. FORGAN. CHICAGO ILLINOIS M. B. H UTCH ISON, oTrumwa.iowA E.T. M ER EDITH, oEs MOINES.10WA G.M. R EYN OLD S,CHICAGO,ILLI 5015 E. L. JOHNSON,wATERLOO, IOWA A. H. VOGE L,MILWAUGEE ,WISCONSIN CHAIRMAN AND FEDERAL RESERVE AGENT DEPUTY FEDERAL RESERVE AGENT H. B. JOY, DETROIT, MICHIGAN ...(1.70° September 26, 1916. , "er MY dear Governor Strong: I beg to acknowledge recei7l5t of your letter of the 23rd instant addressed to Mr. McDougal which will be referred to him upon his return to the office next Monday. He is attending the convention of the A.B.A. at Kansas City. We regretted very much your absence at the last meeting at Boston and were unable to bring back any new Scotch stories. The collection system is working out all right and it is a mighty good thing that we were not obliged to carry the "float", because believe me there is some It is not at all imaginary as some of our "float". friends tried to convince us some time ago. Hoping that you are receiving the full benefit of your rest in the mountains, I beg to remain with kindest regards, Yours sincerely, r Deputy Gov e Benjamin Strong, Esq., Estes Park, Colorado. o . Estes Park, Colo., September 29th, 1916. Dear Mr. ' I am glad to receive yours of the 26th and particularly to learn that Mr. McDougal decided to go to KaneaS City, after all. The Federal Reserve System will be represented by about half of the Governors, two members of the Federal ReeerveBoard and representatives from a number of the other banks, While Mr. Warburg, who has juet been here, is optimistic about what the Convention will do, I am not at all certain but what the country bankers may succeed in stirring up trouble. Would you mind giving me your ideas of how we can reduce Also, where most of it now originates? the float? running between it has be n 28,000,000 and 4:35,000,000 for some weeks past, and when one conniders that every dollar of that is a conversion of our gold reeerve into uncollected checks, the real importance of the float situation is mede apearent. Mr. Warburg is ready to deal with this matter whenever it is put into proper shape. Do you figure that daily settlements would have any beneficial ef$ fect7 I am getting along up here but am restless, of course, .et being away. With beet regards to all in the bank, I am, Sincerely yours, C. R. MeXay, Esq., Deputy Governor, Federal Reserve Bank, Chicago, Ill. http://fraser.stlouisfed.org/ 3S Federal Reserve Bank of St. LouisVC1! FEDERAL RESERVE BANK OF CHICAGO //kV 79 WEST MONROE STREET DIRECTORS OFFICERS W. F. M LALLE N C.H. BOSWORTH JAMES B. Mc DOUGAL GOVERNOR ....i.,..1.41.7.W...aEPuTY GOVERNOR W. F' McLALLEN SECRETARY B. G. Mc C LOU 0 CASHIER CHAIRMAN AND FEDERAL RESERVE AGENT DEPUTY FEDERAL RESERVE AGENT E.T. MER EDITH, oEs MOINES,I0WA G.M.REYNOLDS,CHICAGO,ILLINOIS J. B. FORGAN, CHICAGO, ILLINOIS M. B. H UTCH ISON, OTTUMWA:IOWA E. L. JOHN SON, wATERLOO, 10VvA A.H.VOGE L,mt LVVAU SEE ,WISCONSIN H. B. JOY, DETROIT, MICHIGAN October 3,1916. Benjamin Strong, Esq., Estes Park, Colorado. Dear Mr. Strong: di Af4v I have your very welcome letter of the 29th ultimo and note you have" not lost interest in the collection system. My remarks about the "float" in my letter of the 26th were not intended to convey the impression that the Federal Reserve Banks were carrying. it. The "float" I referred to was that represented by the uncollected funds Which are credited to the member banks' accounts but are not subject to immediate withdrawal. The average amount outstanding of such credits here for the month of August which are not available for reserve to our memIn Spptember it increased to about ber banks was about $5,000,000. The amount of "float" we are carrying in our transit ac0,000,000. count representing checks on non-member banks which cannot be charged up and which take more than two days to collect in this district amounts In fact the largest amount of "float" we carry is the to only 4115,000. Clearing House checkswhichare received too late for clearings and have to be held over until the next day. This amounts to about $500,000. Out of 993 member banks onlyriapiV,180 are short in their reserves and the aggregate deficiency forhe month of August was 41,200,000, so you see the amount of "float" we are carrying is not of great consequence as compared with out member bank deposits of $79,000,000. Of course there is the amount you refer to due from other Federal Reserve Banks which is carried for a week pending the weekly settlement and a large portion of this represents exchange purchased upon which we do carry the "float", but the amount of exchange we purchase is within our awn control at least in this district inasmuch as we can sell as well as buy at the market rate. I do not feel that it is yet advisable to have settlements oftener than once a week, but in order that the published statement f might show a smaller amount due from other Federal Reserve Banks reports to the settlement fund could be made at the Close of business Thursdey instead of Wednesday. It might be necessary later on to have 4 a settlement say twice a week, but it would seem to me that it would be inadvisable to attempt to have daily settlements as the amount of work it would necessitate and the liability for errors would probably FEDERAL RESERVE SANK OF CHICAGO 0 B. S. 10-3-16 2. more than offset the advantage gained. While on this subject, it occurs to me that you might be interested in knowing how our transactions with your bank are working out in the Gold Settlement Fund. During the month of September your bank cleared for us $4,781,000, while we cleared for you $10,758,000, thus leaving a balance in the Gold Settlement Fund in your favor of $5,977,000. I might also state that during the last month we ordered shipped from your bank $2,000,000 in silver certificates and legal tender notes in small bills, as there was a demand for small currency here from the Chicago banks. This relieved your bank of $2,000,000 silver certificates and legals collected from the New York Clearing House. We feel here that the collection system is working out all right and that the Gold Settlement Fund is also operating satisfactorily. Mr. McDougal informs me that he has advised you regarding the Kansas City Convention. The reports that I have received from bankers who have attended are to the effect that the addresses by Messrs. Warburg and Harding were well received and helped materially to create a better feeling regarding the Federal Reserve Banks. In fact one banker told me that if Mr. Warburg had given his address the first day that the opposition to the Federal Reserve System which developed the first day or two of the Convention would not have appeared. With kindest regards in which join me, I beg to remain the other officers of the bank Yours sincerely, Depu overnor. Estes Park, Colo., October 6th, 1916. Dear Mr. McKay: Thank you for yours of October 3rd. realize now thht I misread your letter, but neverthe- I less what justified. said about tne float which we do carry, I believe is You will notice that it runs constantly now at about t30,000,000, and haa greall!, inert-if:odd since e year ago. should find the means sore way or other of cuttin; it down. We that portion whichmrises from the purchase or 14ew York excnange is, as you say, under control but nevertheless takec gold cut of the System and particularly out of the Resery. lank of New York. The expense of 'a daily settlement in the Gold would be corsiddrable and I an not quits yet prepared to aldvocate thai courso, but it will loc, necessary when our 7ystem gots fully think we all renli?e in Now York- certainly I do - that you have cooporated with us like a soldier in this exchane matter. All of these kinks will be worked out in time end the Governors meetings will be the medium, so I hope they are not permitted to be discontinued. ot pact the Kansas City oonvention in much better into orereion. I shape than I had expected. Oat, 6, 1916. C. R. McKay, Fog. ny thanku for your letter. If you h;lve time write mo again, addressing me after the 15th of thiu month at 4100 nontview Boulevard, Denver. Vith warmest regardu, SinfLterely yours, C. R. McKay, Esq., Deputy Governor, Federal Reserve Bank, thicazo, Ill. BE/Va, Actated by !flr. tAro.,12; but ,ig:isa in his absence. N MISC. 33C FEDF'AL RESERVE BANK OF CHICAGO MEMORANDUM FOR Mr. McDougal December 21, 1916. FRC Mr. McKay WITH REGARD TO THE FOLLOWING VOTE OF THE TRANSIT MANAGERS' CONFERENCE WHICH WAS ADOPTED BY THE GOVERNORS' CONFERMICE: "Voted that it is the sense of this meeting that charges for transfers be discretionary with and fixed by the Federal Reserve Bank with which the transaction actually originates; that the Federal Reserve Bank originating a wire transfer should notify the other Federal Reserve Bank interested." If the action as indicated in this vote should become effective in the Federal Reserve Banks, wire transfers of funds could be made free of charge at the option of the Federal Reserve Bank with which the transac- tion originated. The practice of making wire transfers without charge is not only Inadvisable but dangerous. In Chicago there is a firm market for New York, Philadelphia and Boston exchange. Within the past year, the rates have fluctuated from 25¢ per thousand discount to about 5¢ per thousand premium. Transactions in the purchase and sale of mail and wire trans- fers aggregate millions of dollars daily in the Federal Reserve Bank of Chicago. All such transactions are made at the market rate for exchange which is established by the exchange brokers. The rate for selling wire transfers to New York, Boston and Philadelphia is 10¢ per $1,000 higher than the rate for mail transfers inasmuch as two days' time is saved by making a wire transfer instead of a mail transfer, the 10¢ per thousand additional charge for a wire transfer representing approximately 2% Interest for two days. This rate is fixed at 2 % owing to the fact II MISC. 33C FEDFPAL RESERVE BANK OF CHICAGO MEMORANDUM FOR t. FRC 2. that the eastern banks pay 2 % interest on bank balances. If charges for wire transfers are not made by the eastern Federal Reserve Banks, the Chicago banks, instead of purchasing the wire transfers from us, will request their New York correspondents to make the wire transfers through the Federal Reserve Bank of New York and if no charge is made by the Federal Reserve Bank of New York, the Federal Reserve Bank of Chicago will be obliged to furnish currency to the Chicago banks in whatever volume they may require. Furthermore, this will force the Federal Reserve Bank of Chicago to receive at par all the New York exchange the Chicago banks desire to dispose of, whereas the market for New York exchange at the present time, and since the first part of this year, has continuously ruled at a discount, the average rate being about 1.50 per thousand discount. Mail transfer drafts would not be offered for sale in the market as they would be available for transfer by wire at par the day they reached destination. This bank would then be in the posi- tion of being obliged to take at par whatever volume of eastern exchange the Chicago banks desired to dispose of. The reason that eastern exchange has been at a discount is because of the large payments that are being made in the East for exports, a large volume of which originates in Chicago and the West. Domestic exchange rates between the West and the East are governed by the balance of trade in the same manner and for the same reason as the rates for foreign exchange II MISC, 33C FEDFPAL RESERVE BANK OF CHICAGO MEMORANDUM FOR FRC 3. in normal times. This bank cannot undertake to make a par market for eastern exchange, which must normally be at a discount, as long as the West is a creditor in the trade balances, as it would be a physical impossibility for us to convert into currency the enormous volume of exchange which is continually accumulating in New York to the credit of the Chicago banks. As long as there is a firm market for New York exchange, these currency shipments are regulated, inasmuch as currency is ordered from New York by the Chicago banks when the exchange rate goes below 20¢ per thousand discount, as it is then more advantageous to pay the cost of the currency shipments than to pay the discount in selling the exchange. On the other hand, when New York exchange goes to a premium of 20¢ or better, currency moves East. This bank ordered and received currency shipments from the Federal Reserve Bank of New York amounting to $6,000,000. within the last three months in legal tender notes and silver certificates at a time when the Federal Reserve Bank of New York had a large supply of legal tender notes taken in the payment of its creditor balances in the New York Clearing House. The legal tender notes we received were immediately turned over to the Chicago banks for the reason that when a bank sells exchange, it must have currency. Furthermore, the currency received was in the form of small bills for which there was a demand from the country banks. mmis,33c 140FEDFRAL RESERVE BANK OF CHICAGO MEMORANDUM FOR 4. FRC This demand could not be filled by the issue of Federal Reserve Notes for the reason that in most cases money which would count as legal reserve was required. The illustration given shows the relation the market rate of exchange bears to the movement of currency which is governed by the same rule that applies in foreign exchange to gold shipments. A market for eastern exchange has existed in Chicago for 25 years to my personal knowledge and we believe that any attempt made to influence the market rates of exchange by artificial means or any practice not in accord with the economic law governing exchange is bound to result disastrously. While it is true that we have a means of effecting transfers through the Gold Settlement Fund, it should be borne in mind that if wire transfers are to be made without cost, the Treasury Department will have to carry the burden of all currency shipments from the East to the West and currency shipments will only be in one direction as long as present trade conditions continue, which make the East a continuous debtor to the West. It is questionable as to whether the Treasury Department would be willing to assume the cost of moving this currency West; therefore, the cost might ultimately fall on the Federal Reserve Banks. Regardless of the question as to whether it is possible to effect wire transfers through the Gold Settlement Fund without cost, it is of the greatest importance that a protective rate be established in all the M MISC. 33C FEDFRAL RESERVE BANK OF CHICAGO MEMORANDUM FOR FRC 5. Federal Reserve Banks for wire transfers and that the present rates for wire transfers be continued and made obligatory. These rates are at present based on the rate of 2% for the time saved by making a wire transfer as compared with a mail transfer. As long as we have the protection afforded by a firm market for eastern exchange, we are able to control our own situation. W a market rate, we would be at the mercy of the local banks and would have no control over the disposition of our own funds. --Mtactrercl-herete-are-atatements-ai exchamge- bought. and sold, in- eluding wire transfers for four days which are typical of our exchange', transactions. You will note that,we deal with non-member banks as well as member banks and also that we have frequent transactions with other Federal Reserve Banks. We buy and sell exchange at the market rate and -yea-441-1-note-frcnrrthe-aheeta that exchange is sold on the same day at the same rate as we paid for it. Occasionally the market fluctuates 5¢ or 10¢ per $1,000 between the morning rate, before clearings, and the afternoon rate. Our principal transactions are in New York, Boston, Philadelphia and St. Louis exchange. Occasionally we buy exchange on Baltimore,Cleveland, and Kansas City and are prepared to buy or sell on any of the Federal Reserve Cities. The buying and selling of eastern exchange has been --:, .. M MIS, 33C FEDERAL RESERVE BANK OF CHICAGO MEMORANDUM FOR FRC 6. rill' conducted here for a great many years by exchange brokers who receive a commission of 3¢ per $1,000 from the seller. Their transactions were naturally limited to the amount of exchange for sale by the local banks, and they were frequently unable to supply the exchange needed quickly enough, nor were they able to sell large quantities of exchange promptly. Since the Federal Reserve Bank has become a factor in the exchange market, we have been able to either buy or sell any quantity of exchange that our member banks may require to meet their needs and are therefore rendering them better service than could possibly be given by the brokers, besides saving them the brokers' commission. A considerable amount of our profit in exchange operations has been due to the large wire transfers upon which we get approximately two days' interest at 2% over the market rate. For wire transfers to New York, Boston and Philadelphia, we charge 100 per $1,000 above the market rate for mail transfers. Before we entered the exchange market, the price for wire transfers was 250 per thousand above the rate for mail transfers. The exchange brokers here are still doing business to some extent and it is through them that the market rates are established. We sell a moderate amount through the brokers in order that the rate may be firmly established and represent actual conditions at all times. Our member banks are well satisfied with their exchange transactions with us and we also do a large business with some of the nonmember banks. Inasmuch as they are all free to patronize the brokers, M MISC. 33C FEDF'AL RESERVE BANK OF CHICAGO MEMORANDUM FOR FRC 7. the volume of business which we are now handling would indicate that our services are more satisfactory not only to our member banks but to nonmember banks as well. In dealing with the other Federal Reserve Banks, we also give them the benefit of the market rate and do not make any profit on such transactions. In view of the conditions governing the market for exchange, as stated above, it should be apparent that it is impracticable to maintain a par rate for telegraphic transfers between Federal Reserve Banks and that such a practice would be unsound and contrary to established principles of banking. FEDERAL RESERVE BANK OF CHICAGO MEMORANDUM FOR sir. LIcDougal F ..)1v1 January 15, 1917. Mr. McKay COMMENT ON GOTANOR SAY' d PLAN P)R MAKING DRAFTS ON FgDERAI RESEir7=7"TIMITITT4MY AVAILABLE FOR RESERVE IN ALL FED7RAL RESER17. BANK If this plan were put into operation without restriction as to the amount for which drafts could be drawn, the large banks could throw the whole burden of currency shipments upon the Federal Reserve Banks.. as to whether it would be Aside from the question sound banking policy for the Federal Reserve to attempt to 'carry this burden, it is questionable as to whether Banks they could afford to absorb the expense or be able to handle the volume of currency and supply all denominations of bills required by their members. The total resources of the Federal Reserve Banks are small when compared, with the total resources of the member banks to which should be added those of the nonmember banks which in most cases carry accounts with member banks and depend upon the latter to supply their It should be borne in requirement for currency. mind that domestic trade net balances between the east and the west and the east and the south and between other districts If all domestic exchange transactions' must finally be settled in currency. were to go through the Federal Reserve Banks, the net trade still have to be settled in Drafts on balances would currency. Federal Reserve Banks should not be sent out of the district for the purpose of effecting transfers of funds. Member banks should their Federal Reserve Banks to make such transfers for them. draft is issued it should le drawn an is to be made. request If a transfer a bank in the place where the payment FORM MISC 33 1500 11-23-16 FEDERAL RESERVE BANK OF CHICAGO MEMORANDUM FOR F DM 2. One of the vorst evils in connection with country bank business Is the practice on the part of the country banker of sending for credit to his city correspondent transfer drafts drawn on other points and then drawing his draft against the credit thus created. Coemercial banks in Chicago have been and still are discouraging this unsound practice. It is also the cause of most of the overdrafts of member banks in the Federal Reserve Banks. 3. the plan proposed would be sent by the banks in Drafts used under which deposited to whatever point they desired to accumulate funds or to the demand. city whose exchange was in The Treasury Department was obliged to of banks located in Sub-Treasury cities. stop a similar practice on the part Payments for 5% redemption fund would be ordered made in the city Whose exchange was at a discount or in the city farthest away. As an illustration, Chicago might receive an order from a Peoria bank to deposit for its account in the 5% redemption fund,and, St. Louis exchange being at a discount, Chicago would request its St. Louis correspondent to make the deposit. If Now Orleans funds were at a discount in St. Louis, the request would be relayed to New Orleans and possibly the New Orleans bank might want to dispose of San Francisco funds and relay the request to San and so on. There were cases where it took over two weeks for covered into the Treasury Department. the Francisco money to be If drafts on Federal Reserve Bakke were He available only at New York and Chicago, there would only be three places to send them instead of twelve or thirteen if we include the New Orleans branch. FORM MISC 33 1500 11-23-16 FEDERAL RESERVE BANK OF CHICAGO MEMORANDUM FOR F -DM 3. 4. The subject of wire transfers is referred to in Governor Seay's plan. although apparently not a part of the plan, on page eleven, third paragraph, it is proposed that no charge for transfers. With regard to this the transit time saved should be made for wire question, the views of the writer are given in another memorandum, the matter having been under consideration as a separate topic at the last Governors' Conference. There is one point, however, in connection with the proposal transfers free which may to make wire not have been made clear at that meeting. interest charge is imposed by Federal Reserve Ranks on wire If no transfers for the transit time saved, member banks doing a domestic exchange business will be enabled to sell mail exchange short; covering the sale by purchasing wire transfers on the day the exchange reaches destination. It would be easy for a lar7e member bank to borrow millions of dollars in this manner without payment of interest. This practice would be very profitable to banks loonted two days distant from Kew Yorkiand to banks located four days tation to indulge in it would be hard distant or more the temp- to resitt. In foreign exchange transactions, demand exchange sold is frequently settled for by cable transfers. The rate for the latter, however, is always higher than for demand exchange, the difference representing the interest saved. The proposal to sell wire transfers free or at the same rate as mail transfore if put into practice would violate one of the oldest and most firmly established principles of banking and one which Is recognized by bankers in all parts of the world. FORM MISC 33 1500 11-23-16 FEDERAL RESERVE BANK OF CHICAGO MEMORANDUM FOR -JM 4. It is desirable that a safe method be found which will provide country banks with a form of exchange to be sold over the counter to their local cus- tomers which will be as acceptable as New York or other exchange, so that they may be relieved of the burden of carrying accounts solely for exchange purposes. Many of the large banks will, in any event, continue to carry acoounts in New York and other centers.. The plan proposed by Governor Seay, if modified and prop- erly safe-guarded, could be made available to such banks as do not starry balances in banks located outside of their Federal Reserve district and to those which desire to close such accounts. o o The foregoing objections to the plan would be removed if it were amended to include the following safe-gut/mita- Drafts to be made available as reserve at Federal Reserve Banks of New York and Chicago only. The facilities of drawing drafts which will be reserve in all Federal Reserve Banks to be extended to only, excluding all member banks which are immediately available as country member banks required to keep more than 12% reserve against demand deposits. NO draft to be drawn for more than $10,000.00. No draft to be drawn for transfers of funds from one bank to another. (This does not apply to remittances in payment for checks and collections.) Drafts to be charged to account of member bank upon receipt. of advice in all cases except when draft Is presented before advice is received. 4 FORM MISC 33 1500 11-23-16 FEDERAL RESERVE BANK OF CHICAGO MEMORANDUM FOR F DM 5. in case advice is not forwarded on date draft is drawn, an interest charge or other penalty should be imposed. Member banks receiving the drafts on deposit should be obliged to send them to their own Federal Reserve Bank or direct to the drawee Federal Reserve Bank for account of their Federal Reserve Bank. FEDERAL RESERVE BANK OF CHICAGO 79 WEST MONROE STREET DIRECTORS OFFICERS JAMES S. Mc DOUGAL GOVERNOR C. R. Mc KAY DEPUTY GOVERNOR W. F. Mc L ALL EN SECRETARY B.G.MSCLOUID CASHIER FEB C. H. BOSWORTH W. r. MSLALLEN J. B. FORGAN. CHICAGO. ILLINOIS M. B. HUTCH ISON, OTTUMWA.10WA E. L. JOH N SON, WATERLOO, IOWA 1917 E.T. MEREDITH,Es MOI NES.I0 WA G.M.R EYNOLOS,CHICAGO,ILLINOIS CHAIRNIANA.F.ERALREsEwEAGENT DEPUTY FEDERAL RESERVE AGENT A. H. VOGEL, MiLVVPUSEE.WISCONSIN N.B. JOY, DETROIT. MICHIGAN January 30, 1917. Mr. Benjamin Strong, 4100 Montview Boulevard, Denver, Colorado. Dear Governor Strong: At a committee meeting held in Washington last week, Mr. Treman handed me a copy of your letter to him regarding Governor Seay's plan for making drafts on Federal Reserve Banks immediately available at all other Federal Reserve Banks. I was very much interest you had to say in the matter particularly as nearly every point you make agrees with my own views on the subject. In view of your interest In the question, I am taking the liberty of enclosing herein a memorandum which was also presented at the meeting in Washington. There is another subject which I believe is of even more importance than the matter of making checks on Federal Reserve Banks immediately available as reserve, and that is the question of making wire transfers free. I am also enclosing another memorandum of mine on the latter subject. If you are interested, would be pleased to have your views regarding free wire transfers. This question has come up again and there is a possibility that it will be reopened for discussion at the next Governors' Conference. There is also one other matter which we feel here should be reconsidered and that is the practice of carrying single accounts with the other Federal Reserve Banks, which has been in operation since the first of the year. I expect to prepare a brief on the last subject and if you feel interested in these Federal Reserve Bank matters shall send you a copy. Green We had the pleasure of a short visit from Mr. Curtis and Mr. Saturday and hope they are enjoying Colorado. With best wishes and warmest regards, Yours sincerely, .744'rer"''''utty Enclosures (2) or. FEDERAL RESERVE BANK OF CHICAGO 79 WEST MONROE STREET OFFICERS JAMES B. Me. DOUGAL GOVERNOR C. R. Me. KAY DEPUTY GOVERNOR VV. F. McLAL LEN SECRETARY B. G. MSCLOU ID CASHIER DIRECTORS C. H. BOSWORTH CHAIRMAN AND FEDERAL. RESERVE AGENT J.B.FORGAN, CHICAGO, ILLINOIS M. B. HUTCH ISOM, OTTU lAWATOWA E. L. JOHN SON. WET ER LOO, IOWA W. r. Me LA LLE N DEPUTY FEDERAL RESERVE AGENT E.T.MEREDITH,oEs MOINES.10WA G.M.R EYNOLDS.cHicAGo.ILLNois A. H. VOGEL , MILWAIJ H EE ,WISCONSIN N.B. JOY, DETROIT, MICHIGAN February 6, 1917. Mr. Benjamin Strong, 4100 Montvi ew Boulevard, Denver, Colorado. Dear Governor Strong: I. your letters of the first and second instant. In regard to the question of free telegraphic transfers, the only banks which voted against it at the last Conference were Minneapolis and Chicago. It is expected, however, that this matter will be reopened at the next Governors' Conference, inasmuch as some of the banks would like to reconsider their action. With reference to Governor Seay's plan, it was modified by the committee and now stands as follows:- I That the privilege of drawing 'Federal Reserve Exchange' drafts should be limited to the country banks, or in other words, to those banks carrying a 12% reserve. That the drafts should be limited, as to the amount drawn in any one day by a member bank, to $10,000. That the drafts should be drawn by member banks upon their own Federal Reserve Bank and made receivable for immediate availability at par at any one Federal Reserve Bank specified in the draft. That a special uniform form of draft be adopted by all the Federal Reserve Banks, such drafts when drawn upon this form to be the only ones which are receivable for immediate credit at par. That the drawing bank be required to give immediate advice to its Federal Reserve Bank of all 'Federal Reserve Exchange' drafts drawn, and that such drafts be immediately charged to the member bank's account on receipt of advice. That this plan become operative when the final transfer of reserves has become effective, and be made available to such member banks as may agree to terms formulated by the Federal Reserve Bank." ,ESERVE BANK OF CHICAGO B. S. 2-6-17 2. If the limit of $10,000 is not increased, and the privilege of drawing Federal Reserve Exchange drafts is confined to country banks, the volume may not be great enough to seriously inconvenience the Federal Reserve Banks although it is my personal belief that the principle of the thing is If drafts on Federal Reserve Banks are to be not sound. made available in other places, they should be actually paid at the place where presented. With kindest regards, in which Mr. McDougal joins me most heartily, Yours very truly, --,/ OAtAiL)r4. Deputy Go or. Denver, Colorado, February 2, 1917. Dear Mr. McKay: I have just finished reading the oneitch came with yours of the 50th. seem to be in parring checks and free telegraphic let° agreem fers. Can y , both as to xplain to me Why,When New York, Chicago and Boston were all oppo d to these developments that they are no sed upon us? I regard them as dangerou put into effect. Thank you for endi C. R. McKay, Esq., Fedezp.l Reserve Bask, Chie., 111. tha they will not be Denver, Colorado, March 31, 1917. PERSONAL. Dear Mr. McKay: Votat can you tell me about Mr. R. S. Hecht, formerly of the First National Rank of Chicago and now of the Hibernia in New Orleans? I would like to know in What line he has been particularly trained, how good he is as a banker, his personal qualifications, whether of agreeable personality, Whether he is a college man or not and Whether he is a man of refinement, etc. ) Anything you can let me have will be of vd ue NCs, to me and will be treated in strict confidence. Hoping that you all keep well and with bost regards, Sincerely yours, N, Nks C. R. McKay, Federaneserve Bank, Chicago, 111. BS/CC FEDERAL RESERVE BANK OF CHICAGO 79 WEST MON ROE STREET DIRECTORS OFFICERS W. F. MC LALLEN W.A. HEATH JAM ES B. MCDOUGAL GOVERNOR DEPUTY GOVERNOR C. R. W.F. M . ALLEN SECRETARY B.G. MCCLOUD CASHIER S. B. CRAM ER ASST. CASHIER CHAIRMAN AND FEDERAL RESERVE AGENT J.W. BLODGETT GRAND RAPIDS. WM J. B. FOR GAN CHICAGO., LLINOIS M.B. HUTCH ISO N OTTUMWA IOWA DEPUTY FEDERAL RESERVE AGENT E.L.JOHNSON WATERLOO. IOWA E.T. MEREDITH DES MOINES.10WA G.M. REYNOLDS CH ICAGO.ILLINOIS 4. H. VOG E L UILWALIHEE.WISCONSIN PERSONAL April 2, 1917. APR 2 1917 Mr. Benjamin Strong, 4100 Montview Boulevard, Denver, Colorado. My dear Mr. Strong: I have your inquiry of the 31st ultimo regarding Mr. R. S. Hecht of the Hibernia Bank and Trust Company, New Orleans. Mr. Hecht at one time was connected with the Commercial National Bank of this city before it was consolidated with the ContinentalNational Bank. He occupied a clerical position in the Foreign Exchange Department. He has not been in the employ of the First National Bank of Chicago. I have known him for several years and have a good opinion of him as a banker. Do not know whether he is a college graduate or not. He has a pleasing personality and I believe him to be a I understand that for the last two man of education and refinement. years he has handled the trust business for his bank and previous to my impression that time had been in. the Foreign Exchange Department. of Mr. Hecht is that he is a man of good ability and that he is energetic and progressive. If you are in need of a man to take care of the foreign exchange business in the Federal Reserve Bank of New York, it occurs to me to mention Mr. John J. Arnold, one of the Vice-Presidents of the First National Bank of Chicago, who has charge of their foreign exchange business. The reason I mention his name is that about two years ago he advised me that he was much interested in the development of the Federal Reserve System and as to what the policy of the banks would be in regard to their foreign exchange operations. He is very comfortably situated where he is, but I believe would be open to an offer if the j)b were big enough to make it worth his While to consider it. have known Mr. Arnold for over twenty years and believe him fully qualified to fill any position connected with foreign exchange. He has had a broad experience, has a large acquaintance and besides knowing his business has exceptional talents in public speaking. He Ts also well posted on banking conditions in South America and has been Chairman of the Foreign Trade Division of the Association of ComElerce The First National which is a very large and active association. Bank,as you know, have graduated some excellent foreign exchange men and if Mr. Arnold is as good as the others he should be worthy of consideration. iRAL RESERVE BANK OF CHICAGO B. S. 2. 4-2-17 I have taken the liberty of suggesting his name if you are in need of a man to handle the foreign exchange business for the Me?! York bank. I am enclosing a copy of a letter written by Mr. McDougal several days ago regarding Mr. Hecht in reply to an inquiry from Mr. Treman. Mr. McDougal left today to attend the Governors' Conference in lashington on the fourth instant. Hoping that everything is going well with you and with warm personal regards, I beg to remain Yours very truly, Enclosure Denver, Colorado, April 4, 1917. Dear Mr. McKay: Thank you heartily for yours of April 2nd about Mr. Hecht, which answers my inquiry very fully. I am also grateful for what you say about Ur. Arnold and will take steps to develop this matter a little later. Ueantime please hold the whole subjoct in confidence. Very sincerely yours, C. R. Mqay, Esq., Deputy Covornor, Pederal Reserve Bank of Chicago, Chicago, Ill. FEDERAL RESERVE BANK OF CHICAGO 79 WEST MON ROE STREET DIRECTORS OFFICERS W. F. MF LALLEN W.A. HEATH JAM ES B. MCDOUGAL GOVERNOR C. R. MFKAY DEPUTY GOVERNOR CHAIRMAN AND FEDERAL RESERVE AGENT J. W. BLODGETT GRAND RAPIDS. MICH. J. B. FORGAN CHICAGO. ILLINOIS M.S. HUTCH SON OTTUMWA IOWA W.F. Mg LALLEN SECRETARY B. G. MCCLOUD CASHIER S. B. CRAM ER ASST CASHIER DEPUTY FEDERAL RESERVE AGENT E. L....JOHNSON WATERLOO. IOWA E .T. MEREDITH DES MOINES.IOWA A.H.VOG EL MILWAUKEE .WISCONSIN auft. April 9, 1917. APR1 7 191/ Mr. Benjamin Strong, .4100 Montview Blvd., Denver, Colorado Lly dear Mr. Strong: have your letter of the 4th instant and assure you the matter referred to therein will be held in confidence. There is another name which I should like to suggest; that is, Mr. H. CI. P. Deans, a Vice-President of the Merchants Loan and Trust Company and Manager of their Foreign Exchange Department. 7r. Deans is regarded very highly here as an expert in his line and has not only had experience here but in England. Although I have neverhEardhim express any desire to make a change, I feel that he would consider any proposition that was worth while. -0Mr. Warburg gave an excellent address here Saturday The result, I am sure, will night before the Commercial Club. be highly beneficial to this bank and the Federal Reserve System. His message was particularly well received by the prominent State Bankers of the city and we confidently expect some of the important ones to become members of this bank in the near future. With best wishes, Yours very sincerely, c_ Denver, Colorado, April 17, 1917. PERSONAL. Dear Mr. McKay: Many thanks for yours of the 9th. Mr. Deans, confidentially, was considered for the position over a year ago and declined. f am sorry that he did for I believe he is an excellent man and would fill the position. am glad Mr. Warburg's speech took so well. k Very sincerely yours, \\>%:. C. R. McEay, Esq., Federal Serve Bank, Chicago, Ill. .421. Misc. 24. 1 NIRL ,kA 40 M 6-25 FEDERAL RESERVE BANK OF NEW YORK 1)1., SENT BY I92!", 1 h., SEND TO FILES .1' I-1M COPY OF TELEG,..13AM 05 c4i4+5AL OF NEW McKay Novmober 01, 1.025. Chict;ge trfinclit r1i1n, o Dr. Salcht at Blawatons iiot61 "Kauffmnn dn,.htet (ect; letzt6n6 untr. viden katrA;elft nur drei nIi 1ei4en r1 iiii1imn dcti.r autnburz eine 111111111 genehmigt Dolrar Nucrn------------------.-- lionm Dollar Itfifia5a atop 3,m4hmigung :ion ElectrizitaeLsAniethe Ferlin bevorstehend ct Elaatrogo eri:19.crtta komp. class Verorgung Industrie aonst, gefsehrdtt wtore. WP/TiAliti" CAA 4 . f tv 0 178 r .SERVE BANK (SEND TO FILES) Sent by JV YORK COPY OF TELEGRAM 1/8/20 - GB Jan. 8, 19P0 Cramer F. R. BIC of ChicILso J. you pleare -get in touch with Mr. St,rong ktt the Blackptone and tell hi w th-at Lord Gualifte former Govarnor of the Rani;: of England, died Wday. I anal). greatly,apprecite your courtocy. Beyer Secretary to Mr. Strong Sent by V YORK (SEND TO FILES) COPY OF TELEGRAM 1/6/20 CB Jan. 5, 1920 Cramer, Federal Reserve Bank, Chiego., Will you have transportation an deliver the following message to Mr. Strong before he leaves Chiasego this evening: "London, Jan. 6,i920. We grieve to eay Cunliffe died last night. Beyer, . Cokayne and Norman"


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Tours and Tickets
Taj Mahal & Agra Sightseeing Tour From Delhi provided by Raj Tours Jaipur
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2 adults
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12 hours private Taj Mahal & Agra tour with the inclusion of all monuments (Taj Mahal, Agra Fort, Baby Taj) in AC Cab. You'll enjoy personalized attention from your dedicated guide and round-trip private transportation, making the trip efficient and hassle-free.
You'll get picked upSee Important Information for details
- 1Taj MahalStop: 4 hours - Admission excludedSee details
- 2Agra FortStop: 2 hours - Admission excludedSee details
- 3Tomb of Itimad-ud-DaulahStop: 5 hours - Admission excludedSee details
Important Information
- Bottled water
- Professional Guide
- Hotel Pick-up/Drop-off
- Private transportation
- Air-conditioned vehicle
- Parking and toll Charges.
- Tips to the servicemen.
- Amount of entry tickets of monuments.
- Camera use charges.
- Any extra charges or taxes not mentioned above.
- Entry/Admission - Taj Mahal
- Entry/Admission - Agra Fort
- Entry/Admission - Tomb of Itimad-ud-Daulah
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Additional Info
- Confirmation will be received at time of booking
- Not wheelchair accessible
- Near public transportation
- Infant seats available
- Not recommended for travellers with back problems
- Not recommended for pregnant travellers
- No heart problems or other serious medical conditions
- Most travellers can participate
- This experience requires good weather. If it's cancelled due to poor weather, you'll be offered a different date or a full refund
- This is a private tour/activity. Only your group will participate
Cancellation Policy
For a full refund, cancel at least 24 hours in advance of the start date of the experience.
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By: Raj Tours Jaipur
Round trip in Jaipur
Mohsin was a very good safe driver. He spoke english and gave some good information about monument's history. He tr…
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Best sights, delicious food, great company and excellent service!
Having never been to India before but having recently moved here for work, we chose Jaipur as our first domestic ho…
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Comprehensive tour of all the great sights of Jaipur
Shakeer is a safe driver with very good English. Sharma, his guide explained the history of the Pink City and the …
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The perfect way to experience the city at night
Mosin was great. He picked us up from our hotel in a Tuk Tuk and drove us to all his favourite food stalls around t…
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Most amazing and funny Tour of the beautiful jaipur
Thank you so much to Shakeer-ji for that amazing wander around jaipur. It was really a bliss to go around and visit…
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Very complete tour about the city in warm company
We had the best time visiting Jaipur with private car. Our guide was really friendly, funny and reliable. He is spe…
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Visit to Jaipur
Shakir was really awesome. He provided excellent advice for where to go that's less well known to tourists. Would…
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Jaipur Shopping
Amazing tips! You must absolutely call Shakeer to take you to shopping without wasting time! In addition to having…
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Professional, Personalized and loads of fun!! Shakeer is number 1!
Before travelling to Jaipur, I researched on TripAdvisor and picked Shakeer to be my driver and guide based on his …
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8-Days Private tours Jaipur, Agra, Jodhpur and Udaipur
Raj Tours is the best tour in Rajastan. We are travel with Raj Tours at Agra, Jaipur, Jodhpur and Udaipur for 8 da…
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Afternoon tour of Jaipur
We had such a positive impression of Mosin, yes the Tuk Tuk guy from the review we wrote yesterday, that we called …
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Amazing experience and great knowledge
Shakir's tour was an absolutely incredible and one of a kind introduction to the city - far more special than any …
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Było super!
I spent very good time with Family and friend. Our guide Shakeer was very friendly and done good his job. I recomen…
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Maria Poland
We strongly recomend Shakeer as a guide in Jaipur and around the city. We spent nice time with Family and friend. S…
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Perfect day
Shakeer is a lovely person who spent all day driving us from big sights (Amber Fort and Jantar Mantar) to wonderful…
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Key Details
- Duration: 12h
- Mobile Ticket Accepted
- Free Cancellation up to 24 hours in advance
- Instant Confirmation
- Hotel Pickup
- Languages Offered: English, French, German, Spanish
Why Book on Tripadvisor?
- Reserve Now & Pay Later
- Free Cancellation up to 24 hours in advance
- Low Price Guarantee
- No Booking Fees
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- 24/7 SupportCall:+44 12 2492 8241
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subset: commoncrawl


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We will travel beside Big Creek to the Fulton Road bridge where Peregrine Falcons have nested in recent years. For accessibility, this field trip will combine "bird by car" and "parking lot birding"; with stops for some short walks, birder's choice.
Field Trip to Brookside Reservation, Cleveland Metroparks on Saturday, April 25, 2020
We will travel beside Big Creek to the Fulton Road bridge where Peregrine Falcons have nested in recent years. For accessibility, this field trip will combine "bird by car" and "parking lot birding"; with stops for some short walks, birder's choice.
The 87th Annual Series of Spring Bird Walks is one of the oldest citizen science partnerships between Northeast Ohio park systems, Audubon groups and other organizations. It is also a celebration of the return of migratory birds as they travel through our area towards their summer breeding grounds or stay in northeast Ohio for the breeding and summer seasons. Walks are led by experienced birders and will be held on Sundays, April 12 through May 17 at 7:30 am. Bird Walk leaders Dave Graskemper and Bill Deininger recorded this video for the 2019 walk series.
What will we see in 2020? "We had a surprising number of birders on this 2nd Saturday of the month bird walk for April 2019. We counted over 60 observers. We tallied 52 species. First of the year Solitary Sandpiper, Palm warbler, Ruby-crowned Kinglet, Golden-crowned Kinglet, and Blue Gray Gnatcatcher."
Join us to see birds, wildlife, and explore mature urban forest and residential plantings in historic Tremont, Ohio.
Speaker Series: Emergent Mechanics of the Cup Nest and Its 'Mechanical Synthesis with Dr. Hunter King, University of Akron
Photo: Dr. Hunter King at The University of Akron received an NSF grant to study the collective mechanical interactions of disordered, randomly packed elastic filaments, or slender rods similar to twigs as used in birds' nests. Pictured here are "nest" materials in his lab. CREDIT Dr. Hunter King, The University of Akron
How do distinctive mechanical characteristics relate to structural demands of natural nests? Get your science on as we begin to address these questions through experiments with artificial 'nests', and observations of the construction process.
Join us! Be a part of the WCAS Conservation Project Labs! Labs bring small groups of like-minded people together to build fun, mission-driven conservation projects that provide local solutions to climate change and raise important donation dollars to support chapter activities. All are welcome!
Building Up by Reaching Out: Growing Membership and Leadership, Council of Ohio Audubon Chapters-COAC Meeting, Saturday, April 4, 2020
Western Cuyahoga Audubon Society programs are featured as chapter success story's at Council of Ohio Audubon Society-COAC's "Building Up by Reaching Out: Growing Membership and Leadership" on Saturday, April 4, 2020 virtual conference.
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WCAS Speaker Series 2020Watch the video, "Implications of Climate Change in the Arctic" with Dr. Anne Farley Schoeffler, Educator at Seton Catholic School, speaker Mar 3, 2020, 7:30 PM at Rocky River Nature Center.
WCAS Community Partner for THE GREAT GREEN WALL, Cleveland International Film Festival 2020 has been REINVENTED! CIFF44 Streams Coming Soon! While we are saddened we can't be with you in person, we are excited to offer a space for you to experience CIFF44 at home. CIFF Streams will offer subscribers access to many of the films slated to be part of the CIFF44 line-up! Details are still falling into place, but we will have full information very soon! LEARN MORE
Christmas Bird Count-Lakewood Circle Report 2019 Submitted by Nancy Howell, Compiler for the Lakewood Circle Thank you to the 120th Annual Audubon Christmas Bird Count-Lakewood Circle volunteers. Mark your calendar for the Christmas Bird Count-Lakewood Circle, Sunday, December 27, 2020.
WCAS Conservation Project Labs bring small groups of like-minded people together to build fun, mission-driven conservation projects. All welcome! Learn More
Read, "Urban Birding Cleveland Has Begun!" by Michelle Brosius, WCAS Board Member. Save the Date for Urban Birding with David Lindo Fall 2020!
How To Be an Urban Birder by David Lindo STORE
Urban Birding Cleveland with David Lindo 2019 Tee Shirt by Cosmic Bobbins. Order at the STORE
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Western Cuyahoga Audubon Society
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Western Cuyahoga Audubon Society is a 501(c)(3) nonprofit organization. Your donation is tax-deductible. The tax ID number is: 34-1522665. If you prefer to mail your donation, please send your check to: Nancy Howell, Western Cuyahoga Audubon Treasurer, 19340 Fowles Rd, Middleburg Hts, OH 44130. © 2020 Western Cuyahoga Audubon Society. All rights reserved. Website by Betsey O'Hagan.
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Calabanga, CAMSUR — The new year of 2015 is seen to augur inspiration and hope for many of us.
But if the new year is epitomized in telecom service like the Philippine Long Distance Telephone Company (PLDT), then it doesn't look good at all.
Before the year 2014 ended, and as of this writing, I personally experienced how bad the service of the giant phone company is.
The landline is dead even before the arrival of 2015, at least to our Nth time calling to and from San Pablo, Calabanga. The caller hears a busy tone on the end of the line.
To our dismay, the phone company has no customer service office nearby where people can lodge complaint or otherwise.
Few months ago, PLDT took over the service of the local land line carrier in the town of Calabanga and surrounding areas in Camarines Sur with a promise of efficiency and good customer service.
http://t.co/PouakUzn9P #PLDT landline restored per call made 7:39AM Jan4 #PLDTCares, #PLDTHome, #NewYear2015,
— cbangabulletin (@cbangabulletin) January 4, 2015
#PLDT, #PhilippineLongDistanceTelephone, #sucks, #noservice, #Calabanga, #CAmSur, #CamarinesSur, #badservice, #NewYear2015
— cbangabulletin (@cbangabulletin) January 3, 2015
#PLDTHome, #PLDTCares, #BadCustomerService, #PLDT, #LandLine, #sucks, #noservice, #Calabanga, #CamSur, #badservice, #NewYear2015
— cbangabulletin (@cbangabulletin) January 3, 2015
- Pandemic Covid-19: Live updates as more than 5.8 million Bicol residents in community lockdown - March 24, 2020
- Pandemic: These are DAMNING world HEADLINES on CHINA's Wuhan-MADE CORONAVIRUS covid-19 - February 19, 2020
- Pandemic: CORONAVIRUS DEATH toll nears 2K, INFECTION rises at 71K with more breaking DEVELOPMENTS - February 17, 2020


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His wife ran an illegal daycare, but his sick crime is horrifying
Thomas Joseph Perthuis, 76-years-old, was arrested and charged with aggravated sexual assault of a child. He is reported to have had inappropriate contact with a young girl who was staying at his wife's illegal daycare in their home. The girl would go there after school and that's when the man allegedly did terrible things to the four-year-old girl.
SANTA FE, TX (KTRK) -- Investigators say Perthuis' wife ran a child care center at the couple's home on the 4500 block of Tower Road in the Sante Fe area of Galveston County.
The alleged sex assault was reported to Galveston County Sheriff's Office on February 21. Investigators say the four-year-old victim's mother and a counselor initially reported the incident to Santa Fe ISD Police.
Perthuis allegedly checked himself into a hospital when the incident was first brought to his attention. The accused man was arrested on Wednesday, when deputies were able to interview him about the incident.
Eyewitness News learned Perthuis' wife was allegedly running an illegal child care operation. A spokeswoman with the Department of Child Care Licensing says the agency determined the was not regulated by the state. The agency has asked Perthuis' wife to immediately stop doing business as child care center. The investigation into the home-based child care operation is ongoing.
Can't trust anyone these days. He looks like someone who should be watching reruns of Archie Bunker while enjoying his retirement and spending time with family. Instead, he was ruining families by molesting people.
What a sick crime to be arrested for. I hope the girl recovers and is OK.
Read more: TrendingViews.co / News & Politics / crime, sick, nasty


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Nigeria has moved to the quarter-finals of the 2018 U-20 Women's World Cup holding in France, subsequent to playing a 1-1 draw with China.
A possess goal in stoppage time by China PR earned Nigeria a profoundly emotional 1-1 attract Dinan-Lehon, with the Nigerian group guaranteeing a spot in the quarter-finals from Group D at the FIFA U-20 Women's World Cup France 2018.
Requiring a triumph to jump the Nigerians to the sprinters up spot in the gathering, China were the more risky side in the principal half at the Stade du Clos Gastel. Mengyu Shen had the principal shot of the match on 25 minutes when she hit the Nigeria crossbar. A couple of minutes after the fact, skipper Linlin Wang headed over the objective from short proximity.
China's leap forward came four minutes previously half-time, as the minor Linyan Zhang turned her Nigerian marker in the case and stroked the ball past a jumping Chiamaka Nnadozie to give the Asians the lead at the break.
The Super Falconets pushed hard looking for an equalizer in the second half, yet found the China backline and goalkeeper Huan Xu in strong frame until the finish of the challenge.
With seconds left to play, substitute Aishat Bello's cross from the correct saw chief Rashdeedat Ajibade challenge for the ball with China appropriate back Jiaxing Dou. Bello's cross struck the Chinese safeguard before settling in the back of the net and starting enthusiastic festivals from the West Africans at the full-time whistle.


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California Experiencing Most Severe Drought Ever Recorded
One of the worst North American droughts in history could be getting a whole lot worse. According to the latest U.S. Drought Monitor Map released on Tuesday, more than 58 percent of California is in an "exceptional drought" stage. That's up a staggering 22 percent from last week's report. And, in its latest drought report released earlier today, the National Drought Mitigation Center warned that "bone-dry" conditions are overtaking much of the Golden State, and noted that, overall, California is "short more than one year's worth of reservoir water, or 11.6 million acre-feet, for this time of year."
All across California, streams are drying up, crops are dying off and local communities are struggling to maintain access to water, thanks to 3 years of persistent drought conditions. The situation is so dire that on Tuesday, California implemented state-wide emergency water-conservation measures, in an effort preserved what remaining water there is. Under the new measures, Californians can face fines of up to $500 per day for using hoses to clean sidewalks, run decorative fountains, and other water-guzzling activities.
Unfortunately, while the situation in California is already pretty bleak, it looks like things are only going to get worse. In fact, it's possible that all of the American southwest could soon be seeing the devastating drought conditions that Californians are facing. That's because the largest surge of heat ever recorded moving west to east in the Pacific Ocean, often referred to as a Kelvin Wave, which was supposed to start an El Nino and bring tropical-like rains to the West Coast and southwest, just dissipated, after it was absorbed by abnormally warm ocean waters.
An El Nino is marked by the prolonged warming of Pacific Ocean surface temperatures, when compared to the average temperature. El Ninos usually happen every two to seven years, and can last anywhere between nine months and two years. As warm water spreads from the western Pacific and the Indian Ocean to the eastern Pacific, it brings rain and moisture with it, bringing rain to California and the American Southwest.
So, during an El Nino period, winters are often a lot wetter than usual in the southwest U.S., including in central and southern California, where drought conditions are currently the worst. That's why Californians were hoping for a strong El Nino period, to bring the rains and moisture that's needed to help ease the drought.
Unfortunately, while some weather models are still predicting that an El Nino is possible, the chances of an El Nino strong enough to break the devastating drought that California is seeing are now very, very slim. As a result, there's probably no end in sight to the current drought conditions in California. And, since warm ocean waters that bring rain are moving farther north up the Pacific, while Oregon and Washington and Alaska will get rain, the jet stream is set to extend drought-like conditions to much of the southwest.
Photo credit: Shutterstock
It could get so bad that there's now a very real possibility that devastating drought conditions will soon cover everywhere from Texas to California. Warmer ocean waters, like those that absorbed the record Kelvin ocean heat Wave, and the drought-like conditions they're helping to influence, are a direct consequence of climate change and global warming.
According to NOAA, global ocean temperatures were the highest ever measured for June, and the global sea surface temperature anomaly, which is the difference in sea surface temperature from its historical average, was the highest in history. In a press release, NOAA wrote that, "For the ocean, the June global sea surface temperature was record warm, at 0.64°C (1.15°F) above the 20th century average of 16.4°C (61.5°F). This marks the first time that the monthly global ocean temperature anomaly was higher than 0.60°C (1.08°F) and surpasses the previous all-time record for any month by 0.05°C (0.09°F)."
Because of climate change and global warming, our oceans are getting warmer and warmer, shattering previous temperatures records on what seems like a daily basis. And as our oceans continue to warm, we'll have more severe forms of weather, like the historic drought that has engulfed California.
As George Birchard points out over at Daily Kos, if our oceans continue to warm at the rates that we're seeing today, "This could be a pattern that reinforces itself leading to drought patterns not seen since the ancient Pueblo people in the southwest were forced to migrate after decades of continuous drought."
The stakes have never been higher. Unless we start taking the actions that are needed to curb climate change and global warming right now, California, and the rest of the southwest, may soon look more like the Sahara than one of the most populous regions in the U.S.
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Cutting out coal-burning and other sources of nitrogen oxides (NOx) from heavy industry, electricity production and traffic will reduce the size of the world's dead zones along coasts where all fish life is vanishing because of a lack of oxygen.
Despite the ongoing coronavirus pandemic, which has restricted the ability to gather in peaceful assembly, a Canadian company has moved forward with construction of the controversial Keystone XL pipeline, according to the AP.
Methane levels in the atmosphere experienced a dramatic rise in 2019, preliminary data released Sunday shows.
In some states like West Virginia, coal mines have been classified as essential services and are staying open during the COVID-19 pandemic, even though the close quarters miners work in and the known risks to respiratory health put miners in harm's way during the spread of the coronavirus.
Renewable Sources Made up 72% of New Energy Added in 2019
Renewable energy made up almost three quarters of all new energy capacity added in 2019, data released Monday by the International Renewable Energy Agency (IRENA) shows.


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Tian yu di
Genres: Action, Crime, Drama, Thriller
Actors: Andy Lau, Damian Lau, Siu-Ha Chan, Shih-Chieh King
Director: David Lai
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Follows the epic Biblical story of the Resurrection, as told through the eyes of a non-believer. Clavius, a powerful Roman Military Tribune, and his aide ...
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At the end of the Vietnam war, Cheung goes to Saigon, intent on bringing his uncle and cousin back to Hong Kong. In Saigon, Cheung ...
View from a Blue Moon
The first surf film shot in 4K, View From A Blue Moon follows the world's most dynamic surfer John Florence and his closest friends from ...
Crime story
A dark and handsome true-crime thriller about kidnapping and police corruption in Hong Kong. Once of Jackie Chan's most serious roles, but still overflowing with ...
Operation: EndgameHD
A dry action-comedy about two teams of government assassins working out of a top-secret underground facility using code names from the Tarot deck. When our ...
A megalomaniac C.E.O. sends his son into the dangerous African Congo on a quest for a source of diamonds large enough and pure enough to ...
Escaflowne: The Movie
High school student Hitomi Kanzaki, depressed and despondent, wishes to disappear from her world. Her wishes are heard in the alternate world of Gaea where ...


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Advanced EMT Course 4/14/2020-9/10/2020
April 14 @ 6:00 pm - 10:00 pm$1475
This is an Advanced EMT (AEMT) course that will run for approximately 26 weeks. It meets every Tuesday's and Thursday's from 6:00pm-10:00pm.
Tuition includes the course, labs, clinical experience, class shirt and National Registry Psychomotor Skills testing.
Text Books and National Registry cognitive exam are not included.
You may purchase your books and MyLab Access at either Bradybooks.com or amazon.com.
Package Details:
Advanced EMT: A Clinical Reasoning Approach 2ed Textbook
MyLab Access Code with e-text.
All Homework, Quizzes and Test are done online through Brady MyLab program. Student must have regular access to a laptop or desk top computer. Must also have regular access to a printer.
Cancellation Policy:
You may cancel your registration at any time prior to the first day of class and receive a full refund minus a $147.50 non-refundable fee per NRS.
Space is limited to the first 20 people with paid registration.
- Students must provide:
- -Current National Registry or State EMT Certification
- -Current BLS CPR Certification
- -Minimum of High School Diploma or High School Equivalent/Transcripts
- -Picture ID
- -Current two step TB Skin Test or Quantifuron, <1 year or current 1 step <6 months.
- -Proof of Childhood Immunizations (MMR, DPT or D-TAP, Chicken Pox, Hep B)
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text: Sweet & Spicy Pickled JalapeñosSweet & Spicy Pickled Jalapeños4.1 stars, average of 38 ratingsBy Lauren Lester, updated March 26 20206 Pin recipeFollow us 130.4k One of my favorite additions to just about any meal is pickled jalapeños! We're taking these Sweet and Spicy Pickled Jalapeños to a whole new level. Typically these would be made with cups of refined sugar but since these are low-carb and keto friendly we're switching the typical sugar out for some powdered Swerve. I love this spicy + sweet combo, I could literally just eat them alone as a snack. They're delicious on burgers, eggs, mixed into guacamole, or on salads! Bestselling Keto Books Simple Keto My latest keto cookbook! 100+ delicious low-carb recipes Quick & easy, no stress, no complication The Beginner's KetoDiet Cookbook Easy keto guide 100+ delicious low-carb recipes Whole foods, optimized for nutrition The Keto All Day Cookbook My best keto recipes 100+ delicious low-carb recipes Allergy-free options Quick Keto Meals in 30 Minutes or Less Quick and easy meals 100+ delicious low-carb recipes Allergy-free options Sweet & Savory Fat Bombs Sweet treats & savory snacks 100+ delicious keto recipes Allergy-free options Keto Slow Cooker & One-Pot Meals 100+ delicious low-carb recipes Ideal for batch cooking and meal prep Allergy-free options The KetoDiet Cookbook 150+ delicious low-carb recipes Quick guide to keto Keto food list Super Low-Carb Snacks 100+ delicious low-carb recipes Tasty paleo treats and snacks Ultra low-carb fat bombs Get it now Have any of my books? Claim your Bonus Gift 0 hours, 10 minutesHands-on 10 minutes Overall 20 minutes Nutritional values (per serving, 1/4 cup/ 28 g/ 1 oz) Net carbs1.3 gramsProtein0.2 gramsFat0.1 gramsCalories9 kcal Calories from carbs 79%, protein 11%, fat 10%Total carbs1.8 gramsFiber0.5 gramsSugars1.3 gramsSaturated fat0 gramsSodium74 mg(3% RDA)Magnesium3 mg(1% RDA)Potassium54 mg(3% EMR) Ingredients (makes 2 pints, 16 servings) 20 jalapeño peppers (280 g/ 9.9 oz) 1 1/2 cups water (360 ml/ 12 fl oz) 1/4 cup apple cider vinegar (60 ml/ 2 fl oz) 6 oz powdered Erythritol or Swerve (170 g) 1/2 tsp garlic powder 1/2 tsp onion powder 1/4 tsp cayenne pepper 1/2 tsp salt Note: Sweetener can be adjusted to taste. Remove the seeds from the jalapeños if you don't like them too hot. Nutrition facts are estimated as some of the ingredients are only used for pickling (due to negligible effects on nutrition facts, I fully included them in the calculation). Instructions Slice the jalapeños into rounds. Place the jalapeños in a saucepan. In a small jar or bowl whisk together the remaining ingredients. Pour over the jalapeños. Place to pot over high heat and bring to a boil, once boiling reduce to a simmer for 10-12 minutes until the jalapeños are soft. Transfer to lidded jars and store in the refrigerator for up to two weeks. Ingredient nutritional breakdown (per serving, 1/4 cup/ 28 g/ 1 oz) Net carbsProteinFatCalories Peppers, Jalapeno, fresh 0.6 g0.2 g0.1 g5 kcalWater, still 0 g0 g0 g0 kcalWine vinegar 0 g0 g0 g1 kcalErythritol (natural low-carb sweetener) 0.5 g0 g0 g2 kcalGarlic powder, spices 0.1 g0 g0 g0 kcalOnion powder, spices 0 g0 g0 g0 kcalPepper, cayenne, spices 0 g0 g0 g0 kcalSalt, pink Himalayan rock salt 0 g0 g0 g0 kcalTotal per serving, 1/4 cup/ 28 g/ 1 oz 1.3 g0.2 g0.1 g9 kcal BlogRecipesBasicsSweet & Spicy Pickled JalapeñosBlogRecipesVeganSweet & Spicy Pickled JalapeñosBlogRecipesVegetarianSweet & Spicy Pickled JalapeñosBlogRecipesSweet & Spicy Pickled JalapeñosBlogLauren LesterSweet & Spicy Pickled JalapeñosPrint RecipeDownload RecipeDo you like this recipe? Share it with your friends! FacebookTwitterPinterestRedditLet us know what you think, rate this recipe!


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Your Home Away From Home
Castlecary Hotel
Castlecary, Scotland
52 Rooms, 3 Suites
Superb Food & Service
During these uncertain times, we have had to close our Cary Bar & Grill and cancel all functions until 30th April.
We are however still operating the bedrooms for key workers and NHS staff.
We can offer breakfast in a bag to take away and can provide a hot dinner (prior to 8pm) with this being served in your bedroom.
We also have a Take Away Menu which is available between 12 noon and 8pm each day. Please call 01324 840233 to place an order with payment being made by card over the phone
We thank all of our guests for your continued support and wishes and hope to see you all again soon.
Please call 01324 840233 or email email@example.com for further details or if you have a query with an existing reservation.
About Us
Classic Comfort with a Modern Twist
Welcome to Castlecary Hotel. Our family owned hotel is ideally located in the central belt of Scotland and with motorway access to the North and South a mere few minutes from the front door, offers an ideal base whether you are visiting on business or pleasure. Your ideal venue for weddings, corporate events, and weekend beaks.
We offer 52 ensuite bedrooms which includes 2 stunning honeymoon rooms. All rooms come with direct dial telephone, television, tea & coffee making facilities, iron & ironing board and either a walk in shower or bath with overhead shower. We also have family bedrooms should you wish to bring the children with you.
We also have a range of private rooms should you be hosting a meeting or conference and offer competitive delegate rates. We are also the ideal venue for your Charity Dinner Dance, Wedding or private party.
Our doors are always open should you wish to come in for a look at or facilities, discuss your requirements with the Team or just have bit to eat and a drink
Rooms & Suites
Whether you're looking to relax and unwind or staying with us on business we have a room to suit your needs and your budget.
Function Rooms
The Luxury Suites
Brand new & located in the main hotel building these luxurious suites are the ultimate way to enjoy your stay.
- Luxury En-Suite Bathroom
- Full king size bed
- Complimentary tea & coffee making facilities.
- Smart TV
- Free WiFi
- Breakfast included
Club Rooms
The perfect place to relax and unwind at the end of the day. Within the main Hotel building these rooms are spacious, modern & inviting.
- En-Suite bathroom
- Double or Twin beds
Cottage Rooms
Situated in our private courtyard these quiet, relaxing rooms are away from the hustle & bustle of the main building.
- En-Suite bathroom with walk-in shower
- Double or Twin beds
Junior Suites
The perfect blend of luxury & practicality our Junior Suites have plenty of room to work and play
- Luxury En-Suite bathroom with walk-in shower
- Queen size bed
- Separate work & seating area with LCD TV
Food & Drink
The Cary Bar & Grill
Newly refurbished to a very high standard the Cary Bar and Grill serves a variety of traditionally Scottish and international food. An extensive menu designed by our talented Executive Chef awaits our guests with all dishes freshly prepared every day.
For refreshment, enjoy a wide selection of beers, wines and spirits from the well stocked bar or indulge yourself with a freshly ground coffee
Free WiFi
We offer free WiFi internet access in all our public areas and guest rooms.
Free Parking
There is ample free car parking available on site.
Bedroom Comforts
All guest rooms have tea & coffee making facilities, hairdrier & colour television.
Room Service
We offer 24 hour room service to all our guests, however choice may be restricted at times
Business Services
Our reception staff can assist with printing and postage if required.
We have a choice of 4 meeting rooms with capacity from 2 to 180.
Checkin & Checkout
Check-in time is from 3pm on the day of arrival. Departing guests are asked to check out by 11am. Late checkout can be arranged with reception if required.
We will attempt to accommodate guests who arrive early but unfortunately cannot guarantee the availability of your room before 3pm.
Cancellation Policy
Please check with your booking agent for any specific cancellation terms that may apply. Bookings made directly with the hotel may be cancelled up to 24 hours before arrival. Cancellation charges may apply.
Experience the difference
Castlecary Hotel


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You are here: Things to Do > Family Fun
Whatever you're into NewcastleGateshead offers a superb range of activities to banish boredom for good.Highlights include Life Science Centre where the wonders of modern science are revealed, or Great North Museum: Hancock where you can explore 350 million years of evolution, complete with a life-size dinosaur skeleton!
Budding writers will love Seven Stories which is the UK's National Centre for Children's Books and where words and pictures come to life with interactive exhibitions, storytelling sessions and all sorts of crafty activities. Sports fans can take a behind-the-scenes tour of Newcastle United's St James' Park or Sunderland AFC's Stadium of Light, or get hands-on with a climbing lesson at Climb Newcastle - just remember not to look down!
Lovers of the great outdoors should head to Washington Wetland Centre to encounter all sorts of wildlife from mini-beasts to their resident hunting sparrowhawk, or get your hands dirty Down at the Farm. Families wanting to travel back in time can enjoy an immersive visit to Beamish Museum and get hands-on with history every day.
If the weather's good, why not take a trip to the beach. North Tyneside's beaches – at Whitley Bay, Tynemouth Longsands, King Edward's Bay and Cullercoats Bay - are award-winningly beautiful beaches. Sunderland's Roker and Seaburn beaches and South Shields' Sandhaven also showcase the North East's stunning coastline. Tynemouth Aquarium, with sea-creatures from all around the world and a colony of miniature monkeys, is the perfect way to escape the sun and enjoy a family day out in the North East.
Number of results: 74
, currently showing 41 to 50.
Please check the front of our website for availability and times www.downatthefarm.co.uk
Quayside Newcastle
Side Gallery is committed to exhibiting the best in international humanist documentary, its concerns rooted in a long-term engagement with working class, marginalised and threatened communities in the North of England – and by extension with the…
Nature Reserve
After the closure of the Clara Vale pit in 1966 nature reclaimed this site, which was then saved from development in 1986 by a campaign led by local villagers. It became a protected Local Nature Reserve in 1995 and is now home to a wonderful…
Farm livestock from the traditional to the bizarre, an abundance of artworks and a green retreat for wildlife. Panoramic views of Tyne and urban parkland. Picnic area.
Indoor Attraction
Newcastle upon Tyne
Newcastle's very own video gaming lounge is now open in the centre of the Toon at The Gate. The CTRL Pad is packed with retro and bang up to date games and setups.
There is something for everyone whether casual gamer or hardcore enthusiast as…
Parkland / Woodland Garden
Newcastle upon Tyne
Jesmond Dene is a unique haven of peace and tranquility, just minutes from Newcastle City Centre. It is a narrow wooded valley that follows the river Ouseburn between South Gosforth and Jesmond Vale.
South Shields
A magnificent Lighthouse, family friendly and located on a beautiful stretch of coastline.
North Tyneside
Lighthouse, bird-watching hide and visitor centre are all open to the public. Permanent and changing exhibitions, gift shop and educational facilities.
King Edwards Bay is a small sandy bay enclosed by cliffs and grassy banks and as such is an excellent environment for family use. The beach is at the foot of Tynemouth Priory and Castle, a historic site run by English Heritage.
Hamsterley Forest
Discover our picturesque woodlands which sprawl along the sides of a stunning sheltered valley
Escape the hustle and bustle of the everyday at County Durham's largest forest.
From wildlife watching to stargazing, and adventure play for…
Other Websites


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-Please Select Standard Painting Size-
museum quality:16x20 (40x51cm) = $148
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About this Event
You are invited to our Bricks & Breakfast event on 10 December which, on this occasion, is kindly being hosted by Hogan Lovells.
Our Bricks & Breakfast series will be an ongoing fixture; as part of this inaugural breakfast, we would like to take the opportunity to welcome you to BRYTER in the UK, share our latest developments, explore new use cases and answer any questions you may have.
Please register your attendance asap — seats are limited.


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Job Location: - Japan
Age… No limitation
Job Description ... In-house Web application, Development of Program and Maintenance/Administration
Job Experience … Development of Program and GUI
Education … NA (depend on ability)
IT Skill … Java Script mandatory, VB & C language preferable
Below developments to be achieved;
6-1 GUI Development by OSS (Grafana, PostgreSQL, InfluxDB) under Linux circumstances
6-2 Program Development by using Microsoft Visual Basic and C+
Language/Work … Work by English not required Japanese language
Work Site …In front of Keiyo Line station, about 30 minutes from Tokyo Station
Business Trip … Office work
Work Period … From January 2020, more than half year (possible
extension by the workload)
Nationality … NA
Working hours … 9:00 to 17:30 (net 7.5 hrs)
Off: 12:00 to 13:00, Sat., Sun. and National Holiday
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Candidates meeting the above profile can rush their detailed CV immediately to [HIDDEN TEXT] or call on 91-9321182947 / Landline:- 022-49748434 which should incorporate the following:-
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Functions : IT
Industries : IT/Computers - Hardware, IT/Computers - Software
Skills/Roles I hire for: IT
level Hiring For: Junior Level, Mid Level, High Level
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Ron White, Jeff Foxworthy & Bill Engvall: Live! From Las Vegas
Published on Jan 12, 2015
" Join renowned comedians Ron White ("They Call Me Tater Salad"), Jeff Foxworthy ("You Might Be A Redneck If…"), and Bill Engvall ("Here's Your Sign") as they perform some of their funniest routines of all time. Fans are sure to relive some of their favorite side-splitting jokes, as well as hear new material they quite possibly have never heard until now! Shot before a live audience at the Las Vegas Hilton in December 1999—this DVD never released in full before 2005, contains 76 minutes of some of the funniest country comedy of all time—from performance footage that has been locked up in a vault until now—proving that what happens in Vegas does not always stay in Vegas!
It is little wonder that following these sold out shows, White, Foxworthy, and Engvall took their comedy on the road as "The Blue Collar Comedy Tour"—a tour which has shattered box office comedy records, produced best-selling live albums, DVDs, and a hit television series! If you love "Blue Collar" comedy, or just love to laugh, don't miss one of the funniest DVDs you'll ever see! "
Tag Archive: Bill Engvall
Bill Engvall-Them Idiots Whirled Tour-Renaissance Fair/Civil War Reanactments
Published on Sep 28, 2012
" This is a clip from Bill Engvall performing on Them Idiots Whirled Tour. I noticed this particular scene was not uploaded so I though I would add this clip. If you want me to upload a clip from another movie please message me and I will take a look. Enjoy 😀 "
Blue Collar Comedy Tour " I Believe"
Blue Collar Comedy Tour Rides Again
Bill Engvall – Dork Fish
Blue Collar Comedy Tour: The Guys' Favorite Jokes
Bill Engvall – Aged And Confused


text: Home Uncategorized How to watch Romanian TV in android mobile or TV Box Uncategorized How to watch Romanian TV in android mobile or TV Box By Rajan Patel - November 15, 2017 6 0 Facebook Twitter VK ReddIt Pinterest WhatsApp Linkedin Tumblr Telegram RELATED ARTICLESMORE FROM AUTHOR How to get what is your Future job filter on Snapchat? How to get dungeons and dragons roll your character filter on Instagram? Indian Beachfront || Beach Sunset || Slow-Mo || Stock Footage 11 Instagram creator you can follow to get LV filter? How to search for Instagram Filters? Advertisements Related Leave a Reply Cancel reply This site uses Akismet to reduce spam. Learn how your comment data is processed.


text: prather6 Report post Posted September 13, 2009 The United Front Swats Flies The United Front, in regards to our ties of friendship with our allies Galactic Imperium hereby announces the activation of Article II of the Fantastic Four Treaty: Defense and Support any aggression against a signatory of this agreement shall be considered aggression against all signatories of this bloc and will be acted upon as such, all signatories of this agreement are obligated to provide full financial, moral and military support towards each other. Under all circumstances, support and aid should be provided to any signatory under attack unless a council assembly is requested by any cosignatory. We won't stand by and let our friends get poached by some rouge entity. We really don't know what to coin this; as the rouge entity the Sith Empire is so small. So we hereby declare we're going to take out the flyswatter and strike at these nations feeding on our friends. The United Front stands by all its treaties no matter how small the alliance, nor how large. (As long as they're in the right) We requested all information regarding this incident and reviewed it thoroughly finding our friends are correct in their actions. As they don't have enough small nations to support them against this threat, we do. All nations listed here at this time are enemies of the Front and held accountable for their actions as an rouge entity/ alliance. Ruler: Rynech Nation: Rynechia link : http://www.cybernations.net/nation_drill_d...ation_ID=313874 NS : 2,602.988 Ruler: MyithViatl Nation: Darasuum Cabur link : http://www.cybernations.net/nation_drill_d...ation_ID=345639 NS : 1,108.615 Ruler: Kriel Strax Nation: Grastovakia link : http://www.cybernations.net/nation_drill_d...ation_ID=342336 NS: 940.061 Ruler: overlord jolonas Nation: the state of failure link : http://www.cybernations.net/nation_drill_d...ation_ID=355669 NS: 926.382 Ruler: Grendel Xok Nation: Grendels State link : http://www.cybernations.net/nation_drill_d...ation_ID=344757 NS: 847.587 Ruler: lord jona Nation: sheetzland link : http://www.cybernations.net/nation_drill_d...ation_ID=355120 NS: 736.126 Ruler: Tameris Nation: New Oz link : http://www.cybernations.net/nation_drill_d...ation_ID=346440 NS 701.301 Ruler: Torric Alakaar Nation: Garthuria link : http://www.cybernations.net/nation_drill_d...ation_ID=346614 NS: 654.502 Ruler: Norko Nation: Clan Vonus link : http://www.cybernations.net/nation_drill_d...ation_ID=346313 NS: 249.855 Share this post Link to post Share on other sites


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507 E College Street, Jackson Center, OH, 45334
Charming home..This 824 square foot home offers. two bedrooms. One full bath. A large living room open to the dinning area/Open Kitchen. List of updates added to attachments. This small cozy home was redesigned with an open floor plan in mind and gives the home a large feel in a small space. There is a laudry hook up in the small bedroom closet, perfect for those that need everything on one level. . this seller provided Easy access to the water lines behind the decorative wood panels in master bedroom off the living room there is also a movable closet for easy decorating. The water heater access is behind the bathroom wall right above the access to the crawl space. The bath has updated sliding door, tub and surround as well as vanity, sink, lights and mirror. There are updated wall baseboard heaters. The Kitchen has been updated with beautiful countertops, Cabinets, cupboards, sink, lighting and ceiling fan..
507 E College Street


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Apartment for rent in Bruntsfield, Edinburgh
1-25 of 67 properties for rent found
1-25 of 67 properties for rent found
FESTIVAL LET Great flat in the heart of Bruntsfield. Very close to Meadows and lots of festival venues.
...flat located in a traditional tenement building on Bruntsfield Place, in the very heart of Bruntsfield. Tollcross, the Meadows and George Square
Exceptional first and second floor apartment in prime Bruntsfield location. Book a viewing online at cornerstoneletting. Com
Delightful Double"Well-presented, second floor, furnished, two double bedroom flat set in the highly desirable area of Bruntsfield. (Contd)
...and Bruntsfield Links close by. EPC rating: D. Landlord Registration Number: 06715/230/17---. Letting Agent Registration Number: 1904---.
Bruntsfield Place, 0131 268 7---.
Albany Lettings are proud to offer this stunning 4 bedroom HMO property situated in the heart of Edinburgh's Bruntsfield district.
Due to the outbreak of Coronavirus. COVID 19 we have suspended accompanied property viewings at the moment. If this property is of interest, plea
HMO. Traditional 2nd floor property comprising of lounge, dining kitchen with utility room, 4 double bedrooms, main bathroom and additional showe
Spacious first floor apartment located in an exclusive area of Edinburgh, close to the city centre, only a 15 minute walk or short bus ride...
Situated in Bruntsfield, this property is located in close proximity to various cafes. Bars, restaurants and local shops. It also offers bus...
Bruntsfield Place, 0131 268 7---.
This a fabulous two bedroom top floor property located in the picturesque and popular Bruntsfield area of Edinburgh.
Charmingly renovated main door apartment in the desirable area of Bruntsfield available for short term lets throughout the year. Available for...
Tastefully presented main door apartment in the sought after area of Bruntsfield. This is a beautiful family home in an excellent location...
Stunning, bright and airy spacious three bedroom second floor flat to rent in Bruntsfield on the edge of the Meadows, with bay window lounge...
Exceptional first and second floor apartment in prime Bruntsfield location. A converted Victorian townhouse, the first floor almost entirely...
Bruntsfield Gardens, Bruntsfield, Edinburgh, 0131 563 7---.
Superb 4 bedroom, HMO property at the heart of the very popular Bruntsfield area. Ideal for students, being just a short walk away from the...
Excellent 3 double bedroom HMO property in Bruntsfield. This traditional property benefits from Gas Central Heating. Council Tax: E
Very spacious 5 bed top floor attic flat split across 2 levels close to Bruntsfield. 5 bedrooms, 2 bathrooms.
...floor HMO flat located on Gillespie Place in the Tollcross/ Bruntsfield area of the City. The local area is a very popular area due to the many
Three bedroom HMO COMPLIANT property in the Bruntsfield area of Edinburgh. Furnished. Third floor flat. No kitchen stock. No pets.
Gillespie Crescent, Bruntsfield, 0131 268 8---.
4 bedroom HMO property located on Leven Street, in the Bruntsfield area of the City. Edinburgh Uni and Napier Uni are easily accessible and...
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