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Keywords: GoTonySmith,HotpixUK,@HotpixUK,in,words,concept,Scrabble,letter,letters,on,a,priced out,mortgage,mortgages,tenant,tenants,tenancy,owners,owning,own,home,homes,notes,UK,Great Britain,British,BOS,RBOS,note,EH1,Bank Street,Edinburgh,Scotland,EH1 2LN,Twenty Pounds,Ten Pounds,Five,Pounds,pound,pounds
Description: Tony Smith image Alamy 2RXHHG3 -
Description
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Description: Tony Smith image Alamy 2PHJ91W - Scots 'battle' to get cash after banks and ATMs shut
Scots are facing an uphill battle to access their cash after a large number of bank and cash machine closures, a consumer organisation has warned.
Research by Which? found 339 Scottish bank branches had closed their doors since 2015, while 290 ATMs had been withdrawn in the past year.
It urged the UK government to appoint a regulator to protect access to cash.
HM Treasury said it recognised the continued importance of cash, especially for more vulnerable people.
It added the existing payment systems regulator was closely monitoring developments within ATM provision.
Which? said the closure of cash machines, the majority of which were free to use, had hit Scotland harder than other parts of the UK because of its many rural communities, combined with an already devastated bank branch network.
In Scotland, withdrawals from machines were down just 3.3% in 2017-18, compared with larger drops of 8.5% and 7.7% in London and the south east of England respectively.
Description
Keywords: GoTonySmith,HotpixUK,@HotpixUK,UK,energy,supply,cost,costs,fuel,fossel,fuels,in,note,notes,pound,bank,money,cash,bill,bills,cooking,stove,Scottish,flaming,cook,Scots,householdrs,people,tenants,prepayment,meter,meters,poor,and,householders,Scotland,without,hot,food
Description: Tony Smith image Alamy 2MX9FPP - ENERGY ACTION SCOTLAND - article from https://www.heraldscotland.com/news/19043498.cooking-without-gas-helping-families-scotland/
Cooking Without Gas: helping families in Scotland
With Scottish Government estimates that fuel poverty has risen to a shocking 29% of households in Scotland due to Covid-19, Energy Action Scotland has galvanised the support of its members and the general public to help struggling families eat hot food this winter.
In a year like no other, families are facing a winter of hardship stuck in hard to heat homes struggling after job losses and months of reduced working hours. A catastrophic increase in the number of people struggling to afford their energy needs will have a grievous effect on the health and wellbeing for hundreds of thousands of people this year.
Energy Action Scotland launched a successful crowdfunder to pay for pressure cookers and partnered up with Gary Maclean, National Chef of Scotland and Masterchef The Professionals Champion, to help families cook hot food at a time when so many services and amenities are closed.
Supported by Warmworks Scotland and A.C.Whyte, Energy Action Scotland and Gary Maclean are launching freely available ?how to' videos that will help struggling families reduce energy bills by cooking in a pressure cooker funded by our JustGiving appeal.
Gary Maclean is a multi-award-winning chef who has run the kitchens at Glasgow's Gallery of Modern Art and the Burrell Collection and has held executive chef positions at two of Scotland's biggest independent operators. Gary went on to win Masterchef The Professionals in 2016 and was then announced as Scotland's first ever National Chef in 2018.
As a Dad of five, Gary is a huge fan of pressure cookers which he uses daily as he works and feeds his family in Glasgow. He said,
When I am out doing demonstrations I tell people who love their slow cookers to do exactly what they do but in pressure cooker to get the best possible flavour
Description
Keywords: GoTonySmith,HotpixUK,@HotpixUK,Cheshire,England,UK,borrow,lend,money,cash,informal,informally,and,lending,from,friends,or,colleagues,not,a,loan,loaning,word,BOS,RBOS,Royal,Bank Of Scotland,plastic,20,?œ20,twenty,pound,pounds,on,number,of,Sterling,STG,STLG,owed
Description: Tony Smith image Alamy 2M90511 - An IOU (abbreviated from the phrase I owe you) is usually an informal document acknowledging debt. An IOU differs from a promissory note in that an IOU is not a negotiable instrument and does not specify repayment terms such as the time of repayment. IOUs usually specify the debtor, the amount owed, and sometimes the creditor. IOUs may be signed or carry distinguishing marks or designs to ensure authenticity. In some cases, IOUs may be redeemable for a specific product or service rather than a quantity of currency, constituting a form of scrip
Description
Keywords: GoTonySmith,HotpixUK,@HotpixUK,Scotland,UK,Edinburgh,banking,EH2,blue,28,subsidiary,of,Sabadell,Group,Spain,financial,app,web,online,branch,closure,closures,bankers,history,historic,closing,closed,branches,finance,product,products,services,satisfaction,profit,profits,fined,meltdown,HotpixUK.org.uk
Description: Tony Smith image Alamy 2KRXPFT -
Description
Keywords: GoTonySmith,HotpixUK,@HotpixUK,Edinburgh,city,centre,Scotland,16,UK,EH1 2LN,EH1,good coffee,coffee,cafe,sign,neon,distinctive,Red neon sign,history,historic,illuminated,bankofscotland,Lloyds Banking Group,skyline,dusk,night time,evening,HBOS,issues,offices,office,night,headquarters,head office,Bank Street,Lothians,EH1 1YZ
Description: Tony Smith image Alamy 2M3684H -
Description
Keywords: GoTonySmith,HotpixUK,@HotpixUK,city,centre,Scotland,EH1,Bank Street,Lothians,UK,EH1 1YZ,head office,headquarters,at,night,office,offices,sterling,currency,issuer,of,issues,dusk,night time,evening,HBOS,Mound,The Mound,skyline,bankofscotland,Lloyds Banking Group,capital,HQ,illuminated,history,historic,distinctive,neon,Edinburgh,EH1 2LN
Description: Tony Smith image Alamy 2M3687A -
Description
Keywords: GoTonySmith,HotpixUK,@HotpixUK,Scotland,UK,Edinburgh,EH1,banks,finance,sterling,The,Pound,currency,independence,money,referendum,cash,Scottish,city,centre,sign,old,history,historic,Banca na h-Alba,HBOS,Lloyds,TSB,established,merger,financial,sector,market,North Bank Street,issue,banknotes,notes,app,online,banking
Description: Tony Smith image Alamy 2KRXR73 - The Bank of Scotland plc (Scottish Gaelic: Banca na h-Alba) is a commercial and clearing bank based in Scotland and is part of the Lloyds Banking Group, following the Bank of Scotland's implosion in 2008. The bank was established by the Parliament of Scotland in 1695 to develop Scotland's trade with other countries, and aimed to create a stable banking system in the Kingdom of Scotland.
With a history dating to the end of the 17th century, it is the fifth-oldest extant bank in the United Kingdom (the Bank of England having been established one year earlier), and is the only commercial institution created by the Parliament of Scotland to remain in existence. It was one of the first banks in Europe to print its own banknotes, and it continues to print its own sterling banknotes under legal arrangements that allow Scottish banks to issue currency.
In June 2006, the HBOS Group Reorganisation Act 2006 was passed by the Parliament of the United Kingdom, allowing the bank's structure to be simplified. As a result, The Governor and Company of the Bank of Scotland became Bank of Scotland plc on 17 September 2007. Bank of Scotland has been a subsidiary of Lloyds Banking Group since 19 January 2009, when HBOS was acquired by Lloyds TSB
The Governor and Company of the Bank of Scotland was established by an Act of the Parliament of Scotland on 17 July 1695, the Act for erecting a Bank in Scotland, opening for business in February 1696. Although established soon after the Bank of England (1694), the Bank of Scotland was a very different institution. Whereas the Bank of England was established specifically to finance defence spending by the English government, the Bank of Scotland was established by the Scottish government to support Scottish business, and was prohibited from lending to the government without parliamentary approval
Lloyds Banking Group
Following the implosion of the Bank of Scotland in 2008, HBOS Group agreed to be taken over by Lloyds TSB Group
Description
Keywords: GoTonySmith,HotpixUK,@HotpixUK,UK,Scottish,plastic,with,sterlings,coin,coins,in,use,two pound,2,quid,squid,20p,20 pence,laid,on,top,BOS,Bank Of Scotland,five,ten,5,10,pounds,pound,RBOS,royal,Royal Bank Of Scotland,promises to pay,the bearer on demand,Alba,cash,inflation
Description: Tony Smith image Alamy 2KG45A8 -
Description
Keywords: GoTonySmith,HotpixUK,@HotpixUK,UK,Scottish,plastic,with,sterlings,coin,coins,in,use,two pound,2,quid,squid,20p,20 pence,laid,on,top,Royal bank of Scotland,PLC,promises to pay,the bearer on demand,Scots,issue,issued,Scottish Sterling,2022,currency,finance,woman,female,Mary Somerville,astronomer,and,mathematician
Description: Tony Smith image Alamy 2KG4612 -
Description
Keywords: GoTonySmith,HotpixUK,@HotpixUK,UK,Scottish,plastic,with,sterlings,coin,coins,in,use,two pound,2,quid,squid,20p,20 pence,laid,on,top,BOS,Bank Of Scotland,five,ten,5,10,pounds,pound,RBOS,royal,Royal Bank Of Scotland,promises to pay,the bearer on demand,Alba,cash,inflation,hotpix.org.uk
Description: Tony Smith image Alamy 2KG461J -
Description
Keywords: GoTonySmith,HotpixUK,@HotpixUK,two,pound,pounds,coin,currency,bank,central,British,Great,Britain,UK,United Kingdom,inscription,note,hard,finance,financial,stability,value,fall,of,the,BOS,independence,vote,temporary,proposed,suggested,Bank Of Scotland,Royal Bank Of Scotland,new,plastic,GBP,foreign exchange,market,SNP,National Party
Description: Tony Smith image Alamy 2K9BHTY - An independent Scotland's economy
Scotland is well-placed to become an independent country, with its own devolved parliament, government and institutions already in place.
An independent Scotland would have full control over tax and spending (fiscal policy) so that decisions about the economy would be based on what's best for Scotland.
With full economic powers, future Scottish Governments could develop policies that strengthen the economy and make Scotland better placed to respond to global challenges.
Scotland's fiscal policy would be supported by its own independent institutions like the Scottish Fiscal Commission and an independent Scottish Central Bank and Debt Management Office.
Read more detail in the economy paper.
Currency
As soon as practicable, Scotland would move to its own independent currency, the Scottish pound.
Until then, the pound sterling would remain Scotland's currency. This would provide continuity for people and businesses.
In that initial phase people who live in Scotland would continue to be paid in sterling, get their pensions in sterling and buy goods and services in sterling. Businesses would continue to trade in sterling.
A new, independent Scottish Central Bank would advise on when the Scottish pound should be introduced, with the final decision made by the Scottish Parliament.
After the introduction of the Scottish pound, the Scottish Central Bank's role would expand to manage the new currency. The Bank's role would be focused on ensuring financial stability.
Description
Keywords: GoTonySmith,HotpixUK,@HotpixUK,2 pounds,two,pound,pounds,coin,currency,bank,central,British,Great,Britain,UK,United Kingdom,inscription,note,hard,finance,financial,stability,value,fall,of,the,BOS,RBOS,independence,temporary,proposed,suggested,Bank Of Scotland,Royal Bank Of Scotland,new,GBP,foreign exchange,market,Scots,polymer
Description: Tony Smith image Alamy 2K9BHW4 - An independent Scotland's economy
Scotland is well-placed to become an independent country, with its own devolved parliament, government and institutions already in place.
An independent Scotland would have full control over tax and spending (fiscal policy) so that decisions about the economy would be based on what's best for Scotland.
With full economic powers, future Scottish Governments could develop policies that strengthen the economy and make Scotland better placed to respond to global challenges.
Scotland's fiscal policy would be supported by its own independent institutions like the Scottish Fiscal Commission and an independent Scottish Central Bank and Debt Management Office.
Read more detail in the economy paper.
Currency
As soon as practicable, Scotland would move to its own independent currency, the Scottish pound.
Until then, the pound sterling would remain Scotland's currency. This would provide continuity for people and businesses.
In that initial phase people who live in Scotland would continue to be paid in sterling, get their pensions in sterling and buy goods and services in sterling. Businesses would continue to trade in sterling.
A new, independent Scottish Central Bank would advise on when the Scottish pound should be introduced, with the final decision made by the Scottish Parliament.
After the introduction of the Scottish pound, the Scottish Central Bank's role would expand to manage the new currency. The Bank's role would be focused on ensuring financial stability.
Description
Keywords: GoTonySmith,HotpixUK,@HotpixUK,pounds,UK,BOS,RBOS,financial,finance,hard,currency,two,2 pounds,British,United Kingdom,polymer,Royal Bank Of Scotland,foreign exchange,independence,temporary,Bank Of Scotland,GBP,Scots,cash,voting,votes,referenda,referendum,possible,successful,SNP,vote,Hollyrood,fiver,Scotland,Yes,Nicola Sturgeon,Alba,Alex Salmon
Description: Tony Smith image Alamy 2K9BNTW -
Description
Keywords: GoTonySmith,HotpixUK,@HotpixUK,Bank of Scotland,Royal Bank of Scotland,Clydesdale Bank,sterling,coins,SNP,yes,campaign,jack,bank,doubt,financial,risk,cost,of,using,how,long,will,use,the,switching,to,the Euro,switch,before,new,state,country,sterlingisation,Westminster,White Paper,central,Scottish Reserve Bank,banknotes,economy,Brexit
Description: Tony Smith image Alamy 2K8NARD -
Description
Keywords: GoTonySmith,HotpixUK,@HotpixUK,Bank of Scotland,Royal Bank of Scotland,Clydesdale Bank,Bank Of England,sterling,coins,SNP,yes,campaign,jack,bank,doubt,financial,risk,cost,of,using,how,long,will,use,the,switching,to,the Euro,switch,before,GBP,pounds,An independent Scottish currency,sterlingisation,White Paper,central,timetable,banknotes,economy,rejoin
Description: Tony Smith image Alamy 2K8NARG -
Description
Keywords: GoTonySmith,HotpixUK,@HotpixUK,liquid,inflation,cost of living,crisis,struggles,England,Wales,Scotland,earnings,salary,flag,UK,GB,coin,coins,pound,STLG,spending,power,bank of England,cost of living crisis,Sterling pound notes,BOE,pound coin,steeper,bills,costs,savings,civil disobedience,UK cost of living crisis,real wages,fiscal,disruption,rising cost of living,living wage
Description: Tony Smith image Alamy 2JG0P77 - The UK cost of living crisis is a period starting in 2021 in which prices for essential goods in the United Kingdom began increasing faster than household income, resulting in a fall in real income. This is caused in part by a rise in inflation in the UK. While all in the UK are affected by rising prices, the impact has been felt most by those with low income. The UK government has responded in various ways, such as by making provision for a ?œ650 grant for each of the UK's lower income households.
Both global and local factors have contributed to the UK's cost of living crisis. According to Bank of England governor Andrew Bailey, about 80% of the causes driving the cost of living crisis are global. These include the ongoing COVID-19 pandemic, an ongoing chip shortage, an energy crisis in 2021?2022, a supply chain crisis in 2021?2022 and Russia's invasion of Ukraine in 2022. The UK was reported to be among the worst affected among the world's advanced economies. In 2021, the UK's inflation was less than that of the US, but high US inflation was not generally experienced as a cost of living crisis due to the stimulus cheques that had been distributed to American households. Though in 2022 the cost of living crisis was also reported as being a global phenomenon, having impacts that include those living in the US, across Europe, and as risking an apocalyptic impact for those in the developing world.
Causes unique to the UK include labour shortages related to foreign workers leaving due to Brexit, and additional taxes on households. Factors that have worsened the crisis since 1 April 2022 include Ofgem increasing the household energy price cap by 54%, an increase in National Insurance, and a rise in Council Tax. Household income, whether from wages or benefits, has not generally kept pace with rising prices. In April 2022, UK real wages fell by 4.5%, the sharpest fall since records began back in 2001
More at https://en.wikipedia.org/wiki/UK_cost_of_living_crisis
Description
Keywords: GoTonySmith,HotpixUK,@HotpixUK,liquid,inflation,cost of living,crisis,struggles,England,Wales,Scotland,earnings,salary,flag,UK,GB,coin,coins,pound,STLG,spending,power,bank of England,cost of living crisis,Sterling pound notes,BOE,pound coin,steeper,bills,costs,savings,civil disobedience,UK cost of living crisis,real wages,fiscal,disruption,rising cost of living,living wage
Description: Tony Smith image Alamy 2JG21X3 - The UK cost of living crisis is a period starting in 2021 in which prices for essential goods in the United Kingdom began increasing faster than household income, resulting in a fall in real income. This is caused in part by a rise in inflation in the UK. While all in the UK are affected by rising prices, the impact has been felt most by those with low income. The UK government has responded in various ways, such as by making provision for a ?œ650 grant for each of the UK's lower income households.
Both global and local factors have contributed to the UK's cost of living crisis. According to Bank of England governor Andrew Bailey, about 80% of the causes driving the cost of living crisis are global. These include the ongoing COVID-19 pandemic, an ongoing chip shortage, an energy crisis in 2021?2022, a supply chain crisis in 2021?2022 and Russia's invasion of Ukraine in 2022. The UK was reported to be among the worst affected among the world's advanced economies. In 2021, the UK's inflation was less than that of the US, but high US inflation was not generally experienced as a cost of living crisis due to the stimulus cheques that had been distributed to American households. Though in 2022 the cost of living crisis was also reported as being a global phenomenon, having impacts that include those living in the US, across Europe, and as risking an apocalyptic impact for those in the developing world.
Causes unique to the UK include labour shortages related to foreign workers leaving due to Brexit, and additional taxes on households. Factors that have worsened the crisis since 1 April 2022 include Ofgem increasing the household energy price cap by 54%, an increase in National Insurance, and a rise in Council Tax. Household income, whether from wages or benefits, has not generally kept pace with rising prices. In April 2022, UK real wages fell by 4.5%, the sharpest fall since records began back in 2001
More at https://en.wikipedia.org/wiki/UK_cost_of_living_crisis
Description
Keywords: GoTonySmith,HotpixUK,@HotpixUK,liquid,inflation,cost of living,crisis,struggles,England,Wales,Scotland,earnings,salary,flag,UK,GB,coin,coins,pound,STLG,spending,power,bank of England,cost of living crisis,Sterling pound notes,BOE,pound coin,steeper,bills,costs,savings,civil disobedience,UK cost of living crisis,real wages,fiscal,disruption,rising cost of living,living wage,laundering
Description: Tony Smith image Alamy 2JG21X4 - The UK cost of living crisis is a period starting in 2021 in which prices for essential goods in the United Kingdom began increasing faster than household income, resulting in a fall in real income. This is caused in part by a rise in inflation in the UK. While all in the UK are affected by rising prices, the impact has been felt most by those with low income. The UK government has responded in various ways, such as by making provision for a ?œ650 grant for each of the UK's lower income households.
Both global and local factors have contributed to the UK's cost of living crisis. According to Bank of England governor Andrew Bailey, about 80% of the causes driving the cost of living crisis are global. These include the ongoing COVID-19 pandemic, an ongoing chip shortage, an energy crisis in 2021?2022, a supply chain crisis in 2021?2022 and Russia's invasion of Ukraine in 2022. The UK was reported to be among the worst affected among the world's advanced economies. In 2021, the UK's inflation was less than that of the US, but high US inflation was not generally experienced as a cost of living crisis due to the stimulus cheques that had been distributed to American households. Though in 2022 the cost of living crisis was also reported as being a global phenomenon, having impacts that include those living in the US, across Europe, and as risking an apocalyptic impact for those in the developing world.
Causes unique to the UK include labour shortages related to foreign workers leaving due to Brexit, and additional taxes on households. Factors that have worsened the crisis since 1 April 2022 include Ofgem increasing the household energy price cap by 54%, an increase in National Insurance, and a rise in Council Tax. Household income, whether from wages or benefits, has not generally kept pace with rising prices. In April 2022, UK real wages fell by 4.5%, the sharpest fall since records began back in 2001
More at https://en.wikipedia.org/wiki/UK_cost_of_living_crisis
Description
Keywords: GoTonySmith,HotpixUK,@HotpixUK,liquid,inflation,cost of living,crisis,struggles,England,Wales,Scotland,earnings,salary,flag,UK,GB,coin,coins,pound,STLG,spending,power,bank of England,cost of living crisis,Sterling pound notes,BOE,pound coin,steeper,bills,costs,savings,civil disobedience,UK cost of living crisis,real wages,fiscal,disruption,rising cost of living,living wage,hotpix.org.uk
Description: Tony Smith image Alamy 2JG21X8 - The UK cost of living crisis is a period starting in 2021 in which prices for essential goods in the United Kingdom began increasing faster than household income, resulting in a fall in real income. This is caused in part by a rise in inflation in the UK. While all in the UK are affected by rising prices, the impact has been felt most by those with low income. The UK government has responded in various ways, such as by making provision for a ?œ650 grant for each of the UK's lower income households.
Both global and local factors have contributed to the UK's cost of living crisis. According to Bank of England governor Andrew Bailey, about 80% of the causes driving the cost of living crisis are global. These include the ongoing COVID-19 pandemic, an ongoing chip shortage, an energy crisis in 2021?2022, a supply chain crisis in 2021?2022 and Russia's invasion of Ukraine in 2022. The UK was reported to be among the worst affected among the world's advanced economies. In 2021, the UK's inflation was less than that of the US, but high US inflation was not generally experienced as a cost of living crisis due to the stimulus cheques that had been distributed to American households. Though in 2022 the cost of living crisis was also reported as being a global phenomenon, having impacts that include those living in the US, across Europe, and as risking an apocalyptic impact for those in the developing world.
Causes unique to the UK include labour shortages related to foreign workers leaving due to Brexit, and additional taxes on households. Factors that have worsened the crisis since 1 April 2022 include Ofgem increasing the household energy price cap by 54%, an increase in National Insurance, and a rise in Council Tax. Household income, whether from wages or benefits, has not generally kept pace with rising prices. In April 2022, UK real wages fell by 4.5%, the sharpest fall since records began back in 2001
More at https://en.wikipedia.org/wiki/UK_cost_of_living_crisis
Description
Keywords: GoTonySmith,HotpixUK,@HotpixUK,liquid,inflation,cost of living,crisis,struggles,England,Wales,Scotland,earnings,salary,flag,UK,GB,coin,coins,pound,STLG,spending,power,bank of England,cost of living crisis,Sterling pound notes,BOE,pound coin,steeper,bills,costs,savings,civil disobedience,UK cost of living crisis,real wages,fiscal,disruption,rising cost of living,living wage
Description: Tony Smith image Alamy 2JG21XA - The UK cost of living crisis is a period starting in 2021 in which prices for essential goods in the United Kingdom began increasing faster than household income, resulting in a fall in real income. This is caused in part by a rise in inflation in the UK. While all in the UK are affected by rising prices, the impact has been felt most by those with low income. The UK government has responded in various ways, such as by making provision for a ?œ650 grant for each of the UK's lower income households.
Both global and local factors have contributed to the UK's cost of living crisis. According to Bank of England governor Andrew Bailey, about 80% of the causes driving the cost of living crisis are global. These include the ongoing COVID-19 pandemic, an ongoing chip shortage, an energy crisis in 2021?2022, a supply chain crisis in 2021?2022 and Russia's invasion of Ukraine in 2022. The UK was reported to be among the worst affected among the world's advanced economies. In 2021, the UK's inflation was less than that of the US, but high US inflation was not generally experienced as a cost of living crisis due to the stimulus cheques that had been distributed to American households. Though in 2022 the cost of living crisis was also reported as being a global phenomenon, having impacts that include those living in the US, across Europe, and as risking an apocalyptic impact for those in the developing world.
Causes unique to the UK include labour shortages related to foreign workers leaving due to Brexit, and additional taxes on households. Factors that have worsened the crisis since 1 April 2022 include Ofgem increasing the household energy price cap by 54%, an increase in National Insurance, and a rise in Council Tax. Household income, whether from wages or benefits, has not generally kept pace with rising prices. In April 2022, UK real wages fell by 4.5%, the sharpest fall since records began back in 2001
More at https://en.wikipedia.org/wiki/UK_cost_of_living_crisis
Description
Keywords: GoTonySmith,HotpixUK,@HotpixUK,liquid,inflation,cost of living,crisis,struggles,England,Wales,Scotland,earnings,salary,flag,UK,GB,coin,coins,pound,STLG,spending,power,bank of England,cost of living crisis,Sterling pound notes,BOE,pound coin,steeper,bills,costs,savings,civil disobedience,UK cost of living crisis,real wages,fiscal,disruption,rising cost of living,living wage
Description: Tony Smith image Alamy 2JG21XC - The UK cost of living crisis is a period starting in 2021 in which prices for essential goods in the United Kingdom began increasing faster than household income, resulting in a fall in real income. This is caused in part by a rise in inflation in the UK. While all in the UK are affected by rising prices, the impact has been felt most by those with low income. The UK government has responded in various ways, such as by making provision for a ?œ650 grant for each of the UK's lower income households.
Both global and local factors have contributed to the UK's cost of living crisis. According to Bank of England governor Andrew Bailey, about 80% of the causes driving the cost of living crisis are global. These include the ongoing COVID-19 pandemic, an ongoing chip shortage, an energy crisis in 2021?2022, a supply chain crisis in 2021?2022 and Russia's invasion of Ukraine in 2022. The UK was reported to be among the worst affected among the world's advanced economies. In 2021, the UK's inflation was less than that of the US, but high US inflation was not generally experienced as a cost of living crisis due to the stimulus cheques that had been distributed to American households. Though in 2022 the cost of living crisis was also reported as being a global phenomenon, having impacts that include those living in the US, across Europe, and as risking an apocalyptic impact for those in the developing world.
Causes unique to the UK include labour shortages related to foreign workers leaving due to Brexit, and additional taxes on households. Factors that have worsened the crisis since 1 April 2022 include Ofgem increasing the household energy price cap by 54%, an increase in National Insurance, and a rise in Council Tax. Household income, whether from wages or benefits, has not generally kept pace with rising prices. In April 2022, UK real wages fell by 4.5%, the sharpest fall since records began back in 2001
More at https://en.wikipedia.org/wiki/UK_cost_of_living_crisis
Description
Keywords: HotpixUK,@HotpixUK,GoTonySmith,Warrington,Cheshire,England,UK,note,notes,cash,sterling,currency,5 pound,10 pound,20 pound,economy,bribe,inducement,commission,payment,black economy,back hander,envelope,brown envelope,British,Great Britain,hard currency,legal tender,cash in pocket,pocking,the,backhanders,Scots,Scottish,Scotland,BOS,RBOS,Royal Bank of Scotland,Rachel Reeves,Keir Starmer
Description: Tony Smith image Alamy 2CBET66 - Sterling banknotes are the banknotes in circulation in the United Kingdom and its related territories, denominated in pounds sterling (symbol: ?œ
ISO 4217 currency code GBP [Great Britain pound]).
Sterling banknotes are official currency in the United Kingdom, Jersey, Guernsey, the Isle of Man, British Antarctic Territory, South Georgia and the South Sandwich Islands, and Tristan da Cunha in St Helena, Ascension and Tristan da Cunha. One pound is equivalent to 100 pence. Three British Overseas Territories also have currencies called pounds which are at par with the pound sterling.
The Bank of England has a monopoly of banknote issuance in England and Wales but, for historic reasons, three banks in Scotland and four banks in Northern Ireland are permitted to issue their own currency ? but the law requires that the issuing banks hold a sum of Bank of England banknotes (or gold) equivalent to the total value of notes issued. Versions of the pound sterling issued by Crown dependencies and other areas are regulated only by local governments and not the Bank of England.
Description
Keywords: GoTonySmith,HotpixUK,@HotpixUK,Inverclyde,Scotland,West Of Glasgow,West of Scotland,UK,night,night time,tail of the bank,Inverclyde Council,buildings,arts,space,venue,arts venue,2013,new building,theatre,evening,caf??,bistro,views over the Clyde,Greenocks Custom House Quay,Greenock Custom House Quay,Customhouse Quay,Clyde,Clydeside,Greenockians,illuminated,event space,event,venues,new,recent,gallery,galleries
Description: Tony Smith image Alamy 2AR6YJE - The Greenock Arts Guild's Beacon Arts Centre (replacing the former Arts Guild Theatre) opened in 2013 in a new building at Greenock's Custom House Quay. It provides a 500 seat theatre that hosts a regular programme of plays, concerts, musical events, comedians and other events and a Studio Theatre, as well as a multifunction Gallery Suite providing rehearsal and meeting rooms which combine for event or performance space, and a caf?? / bistro, both with views over the Clyde.
Greenock hosted the National M?ýd in 1904 and 1925
Description
Keywords: GoTonySmith,HotpixUK,@HotpixUK,Inverclyde,Scotland,West Of Glasgow,West of Scotland,UK,night,night time,tail of the bank,Inverclyde Council,buildings,arts,space,venue,arts venue,2013,new building,theatre,evening,caf??,bistro,views over the Clyde,Greenocks Custom House Quay,Greenock Custom House Quay,Customhouse Quay,Clyde,Clydeside,Greenockians,event space,event,venues,new,recent,gallery,galleries
Description: Tony Smith image Alamy 2AR6YJN - The Greenock Arts Guild's Beacon Arts Centre (replacing the former Arts Guild Theatre) opened in 2013 in a new building at Greenock's Custom House Quay. It provides a 500 seat theatre that hosts a regular programme of plays, concerts, musical events, comedians and other events and a Studio Theatre, as well as a multifunction Gallery Suite providing rehearsal and meeting rooms which combine for event or performance space, and a caf?? / bistro, both with views over the Clyde.
Greenock hosted the National M?ýd in 1904 and 1925
Description
Keywords: GoTonySmith,HotpixUK,@HotpixUK,Scotland,West Of Glasgow,West of Scotland,UK,dusk,night,night time,tail of the bank,Inverclyde Council,buildings,Historic,history,historic building,custom house port,port,Customhouse Quay,Clyde,Clydeside,Greenockians,historic,evening,tax,inland,revenue,taxation,shore,harbourside,harbour,town,centre,Greenocks,house,building
Description: Tony Smith image Alamy 2AR6YK1 - In 1714 Greenock became a custom house port as a branch of Port Glasgow, and for a period this operated from rooms leased in Greenock. Receipts rose rapidly with the expansion of colonial trade, and in 1778 the custom house moved to new built premises at the West Quay of the harbour.
By 1791 a new pier was constructed at the East Quay. In 1812 Europe's first steamboat service was introduced by PS Comet with frequent sailings between Glasgow, Greenock and Helensburgh, and as trade built up the pier became known as Steamboat Quay. The custom house needed larger premises, and in May 1817 the foundation stone was laid at the quay for a Custom House building designed by William Burn, which was completed in 1818. Its gracious neoclassical architecture features a Grecian Doric portico looking out over the quayside, which was given the name Customhouse Quay. In 1828 the Custom House was praised as a grand National Structure in the highest style of elegance. By then there were scheduled steamboat sailings to Belfast, Londonderry, Liverpool, Inverness, Campbeltown, the Hebrides and all the principal places in the Highlands.
The Custom House underwent extensive refurbishment which was completed in 1989 and, until closure of the building in 2010, housed a customs and excise museum which was open to the public. In June 2008 HM Revenue and Customs (HMRC) announced that the building would close in 2011 as part of a rationalisation project with any jobs being transferred to offices in Glasgow, and despite a campaign to oppose these plans, the building closed in August 2010.
Riverside Inverclyde arranged further refurbishment works, and in 2013 announced that space had already been let to companies including PG Paper Company Ltd and Toshiba which had planning permission to form meeting rooms and an executive office in the building. Greenock Telegraph estimated that ?œ4.1 million has been spent over 5-year period for the renovation works
Description
Keywords: GoTonySmith,HotpixUK,@HotpixUK,Scotland,West Of Glasgow,West of Scotland,UK,dusk,night,night time,tail of the bank,Inverclyde Council,buildings,Historic,history,historic building,custom house port,port,Customhouse Quay,Clyde,Clydeside,Greenockians,historic,evening,tax,inland,revenue,taxation,shore,harbourside,harbour,town,centre,Greenocks,house,building
Description: Tony Smith image Alamy 2AR6YK7 - In 1714 Greenock became a custom house port as a branch of Port Glasgow, and for a period this operated from rooms leased in Greenock. Receipts rose rapidly with the expansion of colonial trade, and in 1778 the custom house moved to new built premises at the West Quay of the harbour.
By 1791 a new pier was constructed at the East Quay. In 1812 Europe's first steamboat service was introduced by PS Comet with frequent sailings between Glasgow, Greenock and Helensburgh, and as trade built up the pier became known as Steamboat Quay. The custom house needed larger premises, and in May 1817 the foundation stone was laid at the quay for a Custom House building designed by William Burn, which was completed in 1818. Its gracious neoclassical architecture features a Grecian Doric portico looking out over the quayside, which was given the name Customhouse Quay. In 1828 the Custom House was praised as a grand National Structure in the highest style of elegance. By then there were scheduled steamboat sailings to Belfast, Londonderry, Liverpool, Inverness, Campbeltown, the Hebrides and all the principal places in the Highlands.
The Custom House underwent extensive refurbishment which was completed in 1989 and, until closure of the building in 2010, housed a customs and excise museum which was open to the public. In June 2008 HM Revenue and Customs (HMRC) announced that the building would close in 2011 as part of a rationalisation project with any jobs being transferred to offices in Glasgow, and despite a campaign to oppose these plans, the building closed in August 2010.
Riverside Inverclyde arranged further refurbishment works, and in 2013 announced that space had already been let to companies including PG Paper Company Ltd and Toshiba which had planning permission to form meeting rooms and an executive office in the building. Greenock Telegraph estimated that ?œ4.1 million has been spent over 5-year period for the renovation works
Description
Keywords: @HotpixUK,Hotpixuk,GoTonySmith,FK8,11-13 Murray Place,Stirling,Scotland,FK8 1DQ,tours,brand,British Thomas Cook Group,British,liquidation,Hays Travel,travel agent,agents,chain,branch,bankrupt,now,trading,rescue,rescued,as,Hays,global,group,MyTravel,fail,failure,job,jobs,lost,collapse,shop,shops,store,stores,history,historic
Description: Tony Smith image Alamy 2AERR7G - Thomas Cook Group plc was a British global travel group. It was formed on 19 June 2007 by the merger of Thomas Cook AG (itself the successor to Thomas Cook & Son) and MyTravel Group.[9] The group operated in two separate segments: a tour operator and an airline. It also operated travel agencies in Europe. On 23 September 2019 Thomas Cook Group and all UK entities went into compulsory liquidation.
Thomas Cook was listed on both the London Stock Exchange and the Frankfurt Stock Exchange. The Thomas Cook Group ceased trading on 23 September 2019. Approximately 21,000 worldwide employees were left without jobs (including 9,000 UK staff) and 600,000 customers (150,000 from the UK) were left abroad, triggering the UK's largest peacetime repatriation.
After the collapse, segments of the company were purchased by others, including the travel stores in the UK, the airlines, the Thomas Cook name and logo, the hotel brands and the tour operators.
In February 2019, the Financial Times newspaper said that the Thomas Cook Group had received bids for its airline business, which includes Condor, and also the company as a whole. In March 2019, Thomas Cook UK announced 21 travel office closures and the redundancy of 300 staff, justifying the decision with the fact that 64% of bookings had been made online in 2018
On 9 October 2019, independent travel agent Hays Travel announced that it had acquired all 555 former Thomas Cook travel stores in the UK, and planned to re-employ a significant number of former employees. Hays, which already operated 190 of their own stores, expected to retain over 25% of the retail staff, saving roughly 2,500 jobs
Description
Keywords: GoTonySmith,HotpixUK,@HotpixUK,&,and,exhibition,SEC,river,bank,Clyde,dock,Hydro,crane,disused,giant,Scotland,UK,Scottish,event,campus,G3,Glasgow city,Glasgow,G3 8LD,Glaswegian,Stobcross,Finnieston,summer,SSE Hydro,skyline,pano,panorama,site,venue,exhibitions,conference,conferences,icon,iconic,hotpix.org.uk
Description: Tony Smith image Alamy 2K41KW3 -
Description
Keywords: GoTonySmith,@HotpixUK,HotpixUK,Dalkeith,Eskbank,Lothian,Midlothian,Scotland,UK,Eco,electricity,carbon neutral,carbon free,car park,Electric Vehicle Recharging Point,Electric car,Recharging,Point,College,Edinburgh College,Charger,charging parking space,Electric mobility,transport,electric transport,electric vehicles,clean vehicles,Charging Station,station,highway pump,Chargemaster,Charging infrastructure,poor,underdeveloped,developing,EV,EV Charging,electric vehicle,Charge Your Car,ChargePlace Scotland network
Description: Tony Smith image Alamy R9GT4R - There are 2 electric car charging points (connectors) available at Eskbank Station - see details and other nearby charge points below. The charge points are operated under the Charge Your Car, ChargePlace Scotland network, more information on accessing points on this network can be found on the public charging network area. ChargePlace Scotland is a national network of electric vehicle charge points available across Scotland. The ChargePlace Scotland network has been developed by the Scottish Government through grant funding of Local Authorities and other organisations to install publicly available charge points. Recipients of the funding are known as 'Hosts'. A Host is the designated owner of the charge points they have installed and are also responsible for maintenance and general upkeep of their charge points. The ChargePlace Scotland network is operated on behalf of the Scottish Government by Charge Your Car Ltd.
Description
Keywords: GoTonySmith,@HotpixUK,HotpixUK,Dalkeith,Eskbank,Lothian,Midlothian,Scotland,UK,near Edinburgh,housing,development,Detached,UK Housing,SocialHousing,Social Housing,crisis,sector,homes,incentives,mortgage,new-build,new build,DIY,ISA,government bonus,building site,bricks,stone,cladding,fenced,fencing,scaffold,careers,New House,Shared Ownership,housing market,House Price Inflation,Housing Bubble
Description: Tony Smith image Alamy R9GT6J - Help to Buy is the name of a government programme in the United Kingdom that aims to help first time buyers, and those looking to move home, purchase residential property. It was announced in Chancellor of the Exchequer George Osborne's 2013 budget speech, and was described as the biggest government intervention in the housing market since the Right to Buy scheme of the 1980s. It is an extension of a previous programme called FirstBuy that was aimed solely at first-time buyers. Help to Buy has itself been expanded and extended.
Subject to restrictions, which in some cases vary by country, the types of Help to Buy scheme are:
Help to Buy: Equity Loans: Buyers contribute a 5% deposit, the government provides an equity loan for up to 20% of the property value (40% within London), and buyers must provide the remaining funds themselves, typically from a mortgage. Available only for new-build under a certain amount (e.g. less than ?œ600,000 in England, ?œ300,000 in Wales)
the loan is interest-free for the first five years. This is the most high-profile of the schemes, and is often referred to simply as Help to Buy. Also known as phase one of Help to Buy.
Help to Buy: Mortgage Guarantees: 5% deposit mortgages are available from ten different providers (up from five at the time of its launch), with the government (i.e. taxpayers) acting as a guarantor for the mortgage. Unlike equity loans, this plank of the programme is not restricted to those buying new-build
subject to restrictions, anyone wanting to buy any home in the UK worth less than ?œ600,000 is eligible for the scheme. It is often referred to as phase two of Help to Buy. In September 2016, the UK Government announced that the Mortgage Guarantee scheme would not be extended for 2017.
Shared Ownership: This was already available in the UK via housing associations before the launch of Help to Buy.
New Buy: Allows buyers to purchase a newly built home with a deposit of only 5%
Description
Keywords: GoTonySmith,@HotpixUK,station,stations,Eskbank,Midlothian,Scotland,UK,Scot Rail,British Rail,BR,TOC,discount,discount train ticket,discount rail ticket,card,cards,railcards,annual rail travel,discount card,rail travel,Great Britain,adults travelling with a child,rail card,railcard,adult-and-child groups,adult-and-child,groups,group,online,standard class,CHFAM,FAM,orange tickets,red stripe,ATOC,cheap,rail,travel,transport
Description: Tony Smith image Alamy P53BTG - The Family and Friends Railcard is an annual rail travel discount card for use in Great Britain by adults travelling with at least one child. Cards valid for either one or three years can be purchased at a cost of ?œ30 for one year or ?œ70 for three. It is one of the discounted and concessionary fare schemes available on Britain's railway network to people who either belong to particular groups or who are willing to buy tickets ahead of the date of travel. Before 18 May 2008 it was known as the Family Railcard, but the name was changed to reflect the fact that discounted travel is not restricted to adults and children who are related.
Description
Keywords: GoTonySmith,@HotpixUK,Cashline ATM Automatic Teller Machine,Glasgow,Scotland,UK,Cashline,ATM,Automatic Teller Machine,dispensing,Scottish,sterling,Scottish Sterling,banknotes,cash machine,free to use,dispensing cash,cash,Please take your card,your,is being counted,notes,dispenses,shortage,reduction,difficulty,obtaining,poor,people,struggling,to,find,machines,NCR,keypad,card,chip,pin,hotpix.org.uk
Description: Tony Smith image Alamy P53BTJ -
Description
Keywords: GoTonySmith,@HotpixUK,station,stations,Eskbank,Midlothian,Scotland,UK,Scot Rail,British Rail,BR,TOC,discount,discount train ticket,discount rail ticket,card,cards,railcards,annual rail travel,discount card,rail travel,Great Britain,adults travelling with a child,rail card,railcard,adult-and-child groups,adult-and-child,groups,group,online,standard class,CHFAM,FAM,orange tickets,red stripe,ATOC,cheap,rail,travel,transport
Description: Tony Smith image Alamy P53BTK - The Family and Friends Railcard is an annual rail travel discount card for use in Great Britain by adults travelling with at least one child. Cards valid for either one or three years can be purchased at a cost of ?œ30 for one year or ?œ70 for three. It is one of the discounted and concessionary fare schemes available on Britain's railway network to people who either belong to particular groups or who are willing to buy tickets ahead of the date of travel. Before 18 May 2008 it was known as the Family Railcard, but the name was changed to reflect the fact that discounted travel is not restricted to adults and children who are related.
Description
Keywords: style,Glasgow Queen St,Scotland,gotonysmith,grafitti,art,vandelism,UK,walking,walks,a,dog street art,Banksy,G1,Queen Street,Glasgow,G1 3DD,yard,alley,alleyway,back entry,boy,dog,stencil,stencils,walk,pasteup,paste up,hoodie,youth,young,adolescent,adolescents,threat,threatening,stencilled
Description: Tony Smith image Alamy HKHW5J -
Description
Keywords: style,Glasgow Queen St,Scotland,gotonysmith,grafitti,art,vandelism,UK,walking,walks,a,dog street art,Banksy,G1,Queen Street,Glasgow,G1 3DD,yard,alley,alleyway,back entry,boy,dog,stencil,stencils,walk,pasteup,paste up,hoodie,youth,young,adolescent,adolescents,threat,threatening,stencilled,Hip-Hop,HipHop
Description: Tony Smith image Alamy HKHW64 -
Description
Keywords: HotpixUK,@HotpixUK,GoTonySmith,67-81 Sauchiehall Street,Scotland,UK,retail,bankrupt,high street,person,shopping,fail,failure,now,closed,67-81,Sauchiehall Street,city,centre,failed,bricks and mortar,chain,store,British,Home,Stores,crashed,sign,outside,exterior,administration,2018,department,dept,Sir,Philip Green,Greens,Arcadia,Group,Al Mana Group
Description: Tony Smith image Alamy 2BC397X - British Home Stores, commonly abbreviated to BHS and latterly legally styled BHS Ltd, was a British department store chain, primarily selling clothing and household items. In its later years, the company began to expand into furniture, electronics, entertainment, convenience groceries and fragrance and beauty products.
The company was founded in 1928 by a group of U.S. entrepreneurs, and had a total of 163 stores mainly located in high streets or shopping centres by the time of its closure in 2016, as well as 74 international stores across 18 separate territories.
BHS was previously a constituent of the FTSE 100 Index, but was bought by Sir Philip Green in 2000 and taken private. The company became part of Green's Arcadia Group in 2009. Following a number of loss-making years, the company was sold to the consortium Retail Acquisitions Ltd led by the serial bankrupt Dominic Chappell, in March 2015 for the nominal price of ?œ1.
In April 2016, 13 months after the purchase by Retail Acquisitions, the company entered administration following unsuccessful attempts to continue trading. It was eventually wound down, and all stores were closed by late August 2016 following failed attempts to find a buyer. The overseas franchises and digital business were sold during the administration period to Al Mana Group, who closed down the website in June 2018
Description
Keywords: city,city centre,save,invest,investment,account,bank,building,society,building society,responsible,savers,etched,etched window,Scotland,UK,etched windows,bank window,Saving Bank,TSB,saving,etched bank window,Savings,APR,%,percentage,interest,low risk,deposit,deposits,pay,paying,interest,save money,GoTonySmith,@HotpixUK,Tony,Smith,UK,GB,Great,Britain,United,Kingdom,Scots,Scottish,British,Scotland,Glasgow,Greater,problem,with,problem with,issue with,City,Centre,cities,Urban,Urbanist,town,infrastructure,transport,tour,tourism,tourists,urban,attraction,attractions,lit,light,lighted,night,dusk,Buy Pictures of,Buy Images Of,Images of,Stock Images,Tony Smith,United Kingdom,Great Britain,Greater Glasgow,British Isles,Glasgow City Centre,City Centre
Description: Tony Smith image Alamy HEJ5TG - A savings bank is a financial institution whose primary purpose is accepting savings deposits and paying interest on those deposits.
They originated in Europe during the 18th century with the aim of providing access to savings products to all levels in the population. Often associated with social good these early banks were often designed to encourage low income people to save money and have access to banking services. They were set up by governments or by socially committed groups or organisations such as with credit unions. The structure and legislation took many different forms in different countries over the 20th century.
The advent of internet banking at the end of the 20th century saw a new phase in savings banks with the online savings bank that paid higher levels of interest in return for clients only having access over the web.
Description
Keywords: City Centre,office,building,architecture,G1,30,St Vincent,Pl,place,Victorian,old,Bank,Chambers,chamber,PLC,headquarter,office,banking,money,licence,GoTonySmith,@HotpixUK,Tony,Smith,UK,GB,Great,Britain,United,Kingdom,Scots,Scottish,British,Scotland,Glasgow,Greater,problem,with,problem with,issue with,City,Centre,cities,Urban,Urbanist,town,infrastructure,transport,tour,tourism,tourists,urban,attraction,attractions,Buy Pictures of,Buy Images Of,Images of,Stock Images,Tony Smith,United Kingdom,Great Britain,Greater Glasgow,British Isles,Glasgow City Centre,City Centre
Description: Tony Smith image Alamy HEJ5WT -
Description
Keywords: City Centre,office,building,architecture,G1,30,St Vincent,Pl,place,Victorian,old,Bank,Chambers,chamber,PLC,headquarter,office,banking,money,licence,GoTonySmith,@HotpixUK,Tony,Smith,UK,GB,Great,Britain,United,Kingdom,Scots,Scottish,British,Scotland,Glasgow,Greater,problem,with,problem with,issue with,City,Centre,cities,Urban,Urbanist,town,infrastructure,transport,tour,tourism,tourists,urban,attraction,attractions,Buy Pictures of,Buy Images Of,Images of,Stock Images,Tony Smith,United Kingdom,Great Britain,Greater Glasgow,British Isles,Glasgow City Centre,City Centre
Description: Tony Smith image Alamy HEJ5Y2 -
Description
Keywords: World,war,II,roller-dried,roller,dried,dry,powdered,20th,century,britain,british,century,white,blue,container,design,driedmilk,drinking,milky,object,packaging,vitamin,vitaminD,ration,rationingMother,baby,child,babymilk,breast-feeding,breast,breastmilk,scheme,National,health,service,Baby Milk,GoTonySmith,SPD,Coupon,Coupons,Voucher,Food,bank,foodbank,housewife,housewives,full,cream,seven,pint,welfare,centre,England,English,Scotland,Scottish,Buy Pictures of,Buy Images Of,Welfare Centre
Description: Tony Smith image Alamy F7DC7P - National Dried Milk was a roller-dried powdered, full-cream milk fortified with vitamin D. It was intended for feeding to children at a time of milk rationing. It was also convenient for mothers. It freed them up from breast-feeding at a time when women had to go man the factories for the war effort. At first, it was available only to children under 1 year of age
later 2 years.
The National Dried Milk scheme had been announced by the fall of 1940
by then, physicians were debating how it should best be served to infants and whether full-cream was indeed the best for them.
The storage and distribution of National Dried Milk across the country was contracted out to a company called SPD. You needed ration coupons to purchase it with, and could only get it at chemists (i.e. pharmacies.) There was a proviso, though, which housewives learned to watch for: once the tin at the store was past the Not for consumption after... date, it could be sold to anyone, off-ration, providing a windfall bonanza to the lucky shopper.
Description
Keywords: World,war,II,roller-dried,roller,dried,dry,powdered,20th,century,britain,british,century,white,blue,container,design,driedmilk,drinking,milky,object,packaging,vitamin,vitaminD,ration,rationingMother,baby,child,babymilk,breast-feeding,breast,breastmilk,scheme,National,health,service,Baby Milk,GoTonySmith,SPD,Coupon,Coupons,Voucher,Food,bank,foodbank,housewife,housewives,full,cream,seven,pint,welfare,centre,England,English,Scotland,Scottish,Buy Pictures of,Buy Images Of,Welfare Centre
Description: Tony Smith image Alamy F7DC80 - National Dried Milk was a roller-dried powdered, full-cream milk fortified with vitamin D. It was intended for feeding to children at a time of milk rationing. It was also convenient for mothers. It freed them up from breast-feeding at a time when women had to go man the factories for the war effort. At first, it was available only to children under 1 year of age
later 2 years.
The National Dried Milk scheme had been announced by the fall of 1940
by then, physicians were debating how it should best be served to infants and whether full-cream was indeed the best for them.
The storage and distribution of National Dried Milk across the country was contracted out to a company called SPD. You needed ration coupons to purchase it with, and could only get it at chemists (i.e. pharmacies.) There was a proviso, though, which housewives learned to watch for: once the tin at the store was past the Not for consumption after... date, it could be sold to anyone, off-ration, providing a windfall bonanza to the lucky shopper.
Description
Keywords: RBOS,RBS,five,pound,Edinburgh,ltd,Limited,Banknote,reference,P325b,legal,tender,sterling,blue,fiver,firm,949096,promise,to,pay,bearer,on,demand,money,cash,paper,history,historic,antique,Royal,Bank,Of,Scotland,PLC,?œ1,note,1965,UK,banker,bankers,Royal Bank,Bank Of Scotland,GoTonySmith,amount,bill.bills,GB,UK,Great,British,Britain,United,Kingdom,business,capitalism,cash,commercial,currencies,currency,paper,pounds,quid,quids,save,saves,savings,scotch,scotland,scottish,sterling,supply,system,tender,Buy Pictures of,Buy Images Of,Scots Money,Scottish Money,Scotland Money,1 pound note,Pound Note,One Pound Note,Scotlands History,Scotlands History
Description: Tony Smith image Alamy F7DCWJ -
Description
Keywords: RBOS,RBS,five,pound,Edinburgh,ltd,Limited,Banknote,Yearbook,reference,SC817,legal,tender,sterling,blue,fiver,firm,949096,promise,to,pay,bearer,on,demand,money,cash,paper,history,historic,antique,Royal,Bank,Of,Scotland,PLC,?œ5,note,1972,to,1981,UK,banker,bankers,Royal Bank,Bank Of Scotland,GoTonySmith,amount,bill.bills,GB,UK,Great,British,Britain,United,Kingdom,business,capitalism,cash,commercial,currencies,currency,paper,pounds,quid,quids,save,saves,savings,scotch,scotland,scottish,sterling,supply,system,tender,Buy Pictures of,Buy Images Of,Scots Money,Scottish Money,Scotland Money,5 pound note,Five Pound Note,Scotlands History,Scotlands History
Description: Tony Smith image Alamy F7DCWK -
Description
Keywords: United Kingdom,public,publicly,owned,banking,will,the,last,person,to,leave,turn,the,light,out,Edinburgh,Scotland,UK,asset,selloff,street,dusk,people,queue,queuing,Bank of Scotland,Public Asset,Sell Off,GoTonySmith,Buy Pictures of,Buy Images Of,bank,branch,safety,shadows,silhouette,danger,tension,vulnerable
Description: Tony Smith image Alamy EYPFFE -
Description
Keywords: sign,exterior,stone,city,history,Accountant,in,Bankruptcy,and,the,Court,of,the,Lord,Lyon,and,housed,the,Office,of,of,tourism,tourist,Surname,find,finding,Scottish,ancestors,family history,Italianate structure,Gotonysmith,Robert Matheson,archives,archive,birth,death and marriage records,genealogists,Buy Pictures of,Buy Images Of,Scotlands History,Scotlands History
Description: Tony Smith image Alamy ED8PRG - New Register House is the main building of the General Register Office for Scotland, located near St Andrew Square to the east end of Princes Street in the New Town of Edinburgh, Scotland. It also houses the Accountant in Bankruptcy and the Court of the Lord Lyon and housed the Office of Director of Chancery until its abolition in 1928.
Description
Keywords: City,Scotland,UK,alley,alleyway,nook,corners,of,detail,of,plaque,brass,Countess,of,Eglinton,Tavern,called,Ships,Tavern',Where,lev??es,were,held,by,the,General,Assemblys,Lord,High,Commissioner,of,1754,history,ancient,Gotonysmith,housing,housed,the,Government,1821.,The,Royal,Bank,to,1753,home,of,The,Countess,of,Eglinton,Tavern,called,Fortunes,Tavern,Ships,Tavern',Where,lev??es,were,held,by,the,General,Assemblys,Lord,High,Commissioner,of,1754,Flora,McDonald,Buy Pictures of,Buy Images Of
Description: Tony Smith image Alamy ED4M1F - OLD STAMP OFFICE CLOSE
This close gets its name as it once housed the Government Stamp Office until 1821. The Royal Bank was also located here from 1727 to 1753.
It also contained the home of The Countess of Eglinton and her seven beautiful daughters. They family would set out to attend dancing assemblies in Assembly Close each in their own guilded Sedan Chair.
The poet Allan Ramsay dedicated The Gentle Shepherd to her.
The close also housed a Tavern called 'Fortune's Tavern' and at one time 'Ship's Tavern' Where lev??es were held by the General Assembly's Lord High Commissioner of 1754.
Flora McDonald, associated with Bonnie Prince Charlie attended boarding school here.
Description
Keywords: City,Scotland,UK alley alleyway nook corners of old town,Gotonysmith,housing,housed,the,Government,1821.,The,Royal,Bank,to,1753,home,of,The,Countess,of,called,Fortunes,Tavern,Ships,Tavern',Where,lev??es,were,held,by,the,General,Assemblys,Lord,High,Commissioner,of,1754,Flora,McDonald,associated with Bonnie Prince Charlie attended boarding school here.
Description: Tony Smith image Alamy ED4M1G - OLD STAMP OFFICE CLOSE
This close gets its name as it once housed the Government Stamp Office until 1821. The Royal Bank was also located here from 1727 to 1753.
It also contained the home of The Countess of Eglinton and her seven beautiful daughters. They family would set out to attend dancing assemblies in Assembly Close each in their own guilded Sedan Chair.
The poet Allan Ramsay dedicated The Gentle Shepherd to her.
The close also housed a Tavern called 'Fortune's Tavern' and at one time 'Ship's Tavern' Where lev??es were held by the General Assembly's Lord High Commissioner of 1754.
Flora McDonald, associated with Bonnie Prince Charlie attended boarding school here.
Description
Keywords: GoTonySmith,@HotpixUK,Tony,Smith,UK,GB,Great,Britain,United,Kingdom,Scotish,Scottish,Scotch,British,Scotland,Alba,problem,with,problem with,issue with,Buy Pictures of,Buy Images Of,Images of,Stock Images,Tony Smith,United Kingdom,Great Britain,British Isles,HQ,Bank of Scotland,office,Bank,iconic,Lloyds,Edinburgh skyline,landscape,finance,system
Description: Tony Smith image Alamy DDXKA2 - This landmark building has been a distinctive feature of the Edinburgh skyline for more than 200 years.
It was built in 1806 as the Head Office of Bank of Scotland. Today it is also the registered office and Scottish Headquarters of Lloyds Banking Group.
In 1796, at the Bank of Scotland's 100th AGM, its directors decided to commission a purpose-built head office. It took some time to find a suitable location, due to the cramped nature of Edinburgh's Old Town. Eventually, in 1800, the site at the top of the Mound was purchased from Edinburgh Town Council. It cost ?œ3,500. Construction started soon after, to a design by Robert Reid and Richard Crichton. These were former pupils of the celebrated architect Robert Adam. Their building was a detached Georgian-style villa, topped by a shallow saucer dome. It was completed in August 1806.
The Challenge of the Mound
Straddling Edinburgh's Old and New Towns, the site posed grave challenges for the builders. Firstly, there was a steep drop of 16 metres from front to back. A more serious issue was instability: the 'earthen Mound' (as it was known) was a man-made hill, created from the earth excavated for the New Town. The site had also been a rubbish dump in the past, and contained vast quantities of household waste!
Consequently, there was a serious risk of slippage. To overcome this, a substantial retaining wall was constructed on the north side of the building.
By the 1850s, the building was proving unsatisfactory. It was now too small for the Bank's growing business. There had also been complaints that it looked stark and ugly when viewed from Princes Street. Indeed, the famous judge Lord Cockburn described it as a 'prominent deformity'. Seeking to resolve these issues, several architects were invited to submit plans for extending and improving the building.
The directors eventually selected David Bryce. His solution was to add full-height wings to the east and west, tied back to the original building.
Description
Keywords: GoTonySmith,@HotpixUK,Tony,Smith,UK,GB,Great,Britain,United,Kingdom,Scotish,Scottish,Scotch,British,Scotland,Alba,problem,with,problem with,issue with,Buy Pictures of,Buy Images Of,Images of,Stock Images,Tony Smith,United Kingdom,Great Britain,British Isles,HQ,Bank of Scotland,office,Bank,iconic,Lloyds,Edinburgh skyline,landscape,finance,system
Description: Tony Smith image Alamy DDXKAC - This landmark building has been a distinctive feature of the Edinburgh skyline for more than 200 years.
It was built in 1806 as the Head Office of Bank of Scotland. Today it is also the registered office and Scottish Headquarters of Lloyds Banking Group.
In 1796, at the Bank of Scotland's 100th AGM, its directors decided to commission a purpose-built head office. It took some time to find a suitable location, due to the cramped nature of Edinburgh's Old Town. Eventually, in 1800, the site at the top of the Mound was purchased from Edinburgh Town Council. It cost ?œ3,500. Construction started soon after, to a design by Robert Reid and Richard Crichton. These were former pupils of the celebrated architect Robert Adam. Their building was a detached Georgian-style villa, topped by a shallow saucer dome. It was completed in August 1806.
The Challenge of the Mound
Straddling Edinburgh's Old and New Towns, the site posed grave challenges for the builders. Firstly, there was a steep drop of 16 metres from front to back. A more serious issue was instability: the 'earthen Mound' (as it was known) was a man-made hill, created from the earth excavated for the New Town. The site had also been a rubbish dump in the past, and contained vast quantities of household waste!
Consequently, there was a serious risk of slippage. To overcome this, a substantial retaining wall was constructed on the north side of the building.
By the 1850s, the building was proving unsatisfactory. It was now too small for the Bank's growing business. There had also been complaints that it looked stark and ugly when viewed from Princes Street. Indeed, the famous judge Lord Cockburn described it as a 'prominent deformity'. Seeking to resolve these issues, several architects were invited to submit plans for extending and improving the building.
The directors eventually selected David Bryce. His solution was to add full-height wings to the east and west, tied back to the original building.
Description
Keywords: GoTonySmith,@HotpixUK,Tony,Smith,UK,GB,Great,Britain,United,Kingdom,Scotish,Scottish,Scotch,British,Scotland,Alba,problem,with,problem with,issue with,Buy Pictures of,Buy Images Of,Images of,Stock Images,Tony Smith,United Kingdom,Great Britain,British Isles,HQ,Bank of Scotland,office,Bank,iconic,Lloyds,Edinburgh skyline,landscape,finance,system
Description: Tony Smith image Alamy DDXKAR - This landmark building has been a distinctive feature of the Edinburgh skyline for more than 200 years.
It was built in 1806 as the Head Office of Bank of Scotland. Today it is also the registered office and Scottish Headquarters of Lloyds Banking Group.
In 1796, at the Bank of Scotland's 100th AGM, its directors decided to commission a purpose-built head office. It took some time to find a suitable location, due to the cramped nature of Edinburgh's Old Town. Eventually, in 1800, the site at the top of the Mound was purchased from Edinburgh Town Council. It cost ?œ3,500. Construction started soon after, to a design by Robert Reid and Richard Crichton. These were former pupils of the celebrated architect Robert Adam. Their building was a detached Georgian-style villa, topped by a shallow saucer dome. It was completed in August 1806.
The Challenge of the Mound
Straddling Edinburgh's Old and New Towns, the site posed grave challenges for the builders. Firstly, there was a steep drop of 16 metres from front to back. A more serious issue was instability: the 'earthen Mound' (as it was known) was a man-made hill, created from the earth excavated for the New Town. The site had also been a rubbish dump in the past, and contained vast quantities of household waste!
Consequently, there was a serious risk of slippage. To overcome this, a substantial retaining wall was constructed on the north side of the building.
By the 1850s, the building was proving unsatisfactory. It was now too small for the Bank's growing business. There had also been complaints that it looked stark and ugly when viewed from Princes Street. Indeed, the famous judge Lord Cockburn described it as a 'prominent deformity'. Seeking to resolve these issues, several architects were invited to submit plans for extending and improving the building.
The directors eventually selected David Bryce. His solution was to add full-height wings to the east and west, tied back to the original building.
Description
Keywords: New,Town,Scotland,UK,chimney,roof,classic,symbol,of,a,pawnbroker,pawnshop,financial,crash,secured,loans,personal,property,used,as,collateral,pledge,cash,pawned,to,the,broker,sign,money,to,bank,banking,banks,broke,the,Lombard,gotonysmith,jewelry,electronics,collectibles,musical,instruments,tools,Pawngo,three,spheres,suspended,from,a,bar,symbol,Medici,family,of,Florence,Italy,three,balls,orbs,plates,discs,coins,and,more,as,symbols,of,monetary,success,Buy Pictures of
Description: Tony Smith image Alamy DG3874 - The pawnbrokers' symbol is three spheres suspended from a bar. The three sphere symbol is attributed to the Medici family of Florence, Italy, owing to its symbolic meaning of Lombard.[12] This refers to the Italian province of Lombardy, where pawn shop banking originated under the name of Lombard banking. The three golden spheres were originally a symbol medieval Lombard merchants hung in front of their houses, and not the arms of the Medici family. It has been conjectured that the golden spheres were originally three flat yellow effigies of byzants, or gold coins, laid heraldically upon a sable field, but that they were converted into spheres to better attract attention.
Most European towns called the pawn shop the Lombard. The House of Lombard was a banking community in medieval London, England. According to legend, a Medici employed by Charlemagne slew a giant using three bags of rocks. The three-ball symbol became the family crest. Since the Medicis were so successful in the financial, banking, and moneylending industries, other families also adopted the symbol. Throughout the Middle Ages, coats of arms bore three balls, orbs, plates, discs, coins and more as symbols of monetary success. Pawnbrokers (and their detractors) joke that the three balls mean Two to one, you won't get your stuff back.
Saint Nicholas is the patron saint of pawnbrokers. The symbol has also been attributed to the story of Nicholas giving a poor man's three daughters each a bag of gold so they could get
Description
Keywords: Scotland,regional,money,note,Clydesdale,bank,banks,BOS,Halifax,exotic,tourist,travel,exchange,West,Lothian,East,machine,in Edinburgh,Midlothian,Scotland,UK,GB,united,Kingdom,Great,Britain,accepted,not,unacceptable,spend,refused,refuse,Gotonysmith different to English England currency in a shopping street,high st shopping centre,cash
Description: Tony Smith image Alamy DECWAR -
Description
Keywords: Scotland,regional,money,note,Clydesdale,bank,banks,BOS,Halifax,exotic,tourist,travel,exchange,West,Lothian,East,machine,in Edinburgh,Midlothian,Scotland,UK,GB,united,Kingdom,Great,Britain,accepted,not,unacceptable,spend,refused,refuse,Gotonysmith different to English England currency in a shopping street,high st shopping centre,Buy Pictures of,Buy Images Of,laundering,cash
Description: Tony Smith image Alamy DECX4H -
Description
Keywords: Clydesdale,bank,ATM,cash,dispensing,machine,Scotland,UK,scottish,independance,independence,soveregn,nation,SNP,national,party,money,monetary,union,issues,problems,problem,finance,financial,vote,voting,20,10,pounds,ten,twenty,note,banknotes,official,currency,gotonysmith legal tender retail,finger,fingers,Buy Pictures of,Buy Images Of
Description: Tony Smith image Alamy DG374N - While provincial banks in England and Wales lost the right to issue paper currency altogether, the practice of private banknote issue has continued in Scotland and Northern Ireland. The right of Scottish banks to issue notes is popularly attributed to the author Sir Walter Scott, who in 1826 waged a campaign to retain Scottish banknotes under the pseudonym Malachi Malagrowther.
Scott feared that the limitation on private banknotes proposed with the Bankers (Scotland) Act 1826 would be have adverse economic consequences if enacted in Scotland because gold and silver were scarce and Scottish commerce relied on small notes as the principal medium of circulating money. His action eventually halted the abolition of private banknotes in Scotland.
Scottish and Northern Irish banknotes are unusual, firstly because they are issued by retail banks, not central banks, and secondly, as they are not legal tender anywhere in the UK ? not even in Scotland or Northern Ireland ? they are in fact promissory notes.
Seven retail banks have the authority of HM Treasury to issue sterling banknotes as currency. Despite this, the notes can be refused at the discretion of recipients in England and Wales, and are often not accepted by banks and exchange bureaus outside of the United Kingdom. This is particularly true in the case of the Royal Bank of Scotland ?œ1 note, which is the only ?œ1 note to remain in circulation within the UK.
In 2000, the European Central Bank indicated that, should the United Kingdom join the euro, Scottish banks (and, by extension, Northern Ireland banks) would have to cease banknote issue. During the Financial crisis of 2007?2008, the future of private banknotes in the United Kingdom was uncertain. It has been suggested that the Banking Act 2009 would restrict the issue of banknotes by commercial banks in Scotland and Northern Ireland by removing many of the provisions of the Acts quoted above.Banks would be forced to lodge sterling.
Description
Keywords: Edinburgh,city,Scotland,new,town,newtown,pub,kay,kays,bar,tenner,tn,pound,note,scottish,bank,BOS,Scotsman,mono,selective,color,colour,colours,pint,ale,beer,inside,tony,smith,drink,drinks,drinking,historic,bars,UK,GB,tourist,places,visit,cool,iconic,sepia,toned,black,white,bankofscotland,notes,banknotes
Description: Tony Smith image Flickr 7706160488 - 'One of my favourite watering holes in Edinburgh New Town, only 10-15 mins walk from Princes St area. Its well worth a walk for a great range of real ales and whiskies. I have spent a good few hours in there with my good friend Stephen Buchan. A chap who appreciates a real ale or two.
Originally a Georgian coach house, in the early Victorian era the building was remodelled into John Kay and Sons, Wines and spirits Merchants. Sympathetically modified in the 1970's the bar hosts a plethora of original Victorian features. its a bit like going back in time, reminds me a little of Mulligans in Dublin. Shame no one has written a novel covering a single drunken day around Edinburgh yet. If so, this pub should surely be in it.
Usually available are Budvar, Leffe, Budvar Dark, Innis &
Gunn, Furstenberg Frei, Corona, Magners, Becks, crabbies, Draught Guinness, Strongbow, fizzy Fosters &
Kronenburg.
I have never eaten there, but they do mince/haggis neeps and tatties \u00a34.10, Scotch pie beans and chips for under \u00a34. More up market herring salad just over a fiver.
Kays, 39 Jamaica Street Edinburgh, Midlothian EH3 6HF - Telephone 0131 225 1858.
Note no Children allowed in bar at any time.
Keep in touch, add me as a contact www.flickr.com/relationship.gne?id=33062170@N08 so I can follow all your new uploads.
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(c) Hotpix / HotpixUK Tony Smith - Hotpix.freeserve.co.uk WDCC',
Description
Keywords: Edinburgh,Scotland,lothian,lothians,rear,gotonysmith,December,winter,festive,presents,LEcosse,Edimbourg,Schotland,Schottland,La,Scozia,Edimburgo,Escocia,Edimburgo,Dome Club Christmas tree,Edinburgh,Scotland in red,lit,by,lights,Xmas,This,tree,is,at,the,rear,of,the,Dome,and,can,be,viewed,from,Rose,Street,in,Edinburgh.,In,summer,it,is,an,upmarket,outdoor,eating,area,gotonysmith,The Dome is a bar,restaurant,and,conference,complex,and,was,originally,the,long,since,defunct,Commercial,Bank,of,Scotlands,HQ,At,Christmas,the,exterior,on,George,Street,and,the,interior,are,both,lavishly,decorated,As,you,enter,the,building,there,is,a,distinct,whiff,of,cinnamon,Buy Pictures of,Buy Images Of
Description: Tony Smith image Alamy CF7D8T - Dome Club Christmas tree, Edinburgh, Scotland in red, lit by lights
This tree is at the rear of the Dome and can be viewed from Rose Street in Edinburgh. In summer it is an upmarket outdoor eating area
The Dome is a bar, restaurant and conference complex and was originally the long since defunct Commercial Bank of Scotland's HQ. At Christmas the exterior on George Street and the interior are both lavishly decorated. As you enter the building there is a distinct whiff of cinnamon.
Description
Keywords: Dusk,at,the,Royal,Bank,of,Scotland,Building,The,Mound,Edinburgh,Lothian,Scotland,UK,in,icy,weather,winter,blue,hour,night,evening,ice,icy,weather,winter,evening,gotonysmith,romantic,ghost,tour,warm,lighting,lights,historic,flags,history,Banca,R?ªoghail,na,h-Alba,PLC,north,bank,street,LEcosse,Edimbourg,Schotland,Schottland,La,Scozia,Edimburgo,Escocia,Edimburgo,snow,snowy,street,streets,romantic,financial,crash,bailout,nightshot,shot,tourist,victorian,scottish,independance,independence,home,rule,devolution,parliament,SNP,national,party,@Hotpixuk,Government,2014,Scots,vote,voting,gotonysmith,Buy Pictures of,Buy Images Of,Scotlands History,Scotlands History
Description: Tony Smith image Alamy CF7D79 - Dusk at the Bank of Scotland Building, North Bank street, The Mound, Edinburgh, Lothian Scotland , UK
Description
Keywords: pussy,willow,nature,catkins,shrub,plant,bush,flowers,spring,male pussy,male,female,yellow,cat,cats,bright,scotland,eskbank,dalkeith,midlothian,britain,british,UK,blue,sky,art,arty,edinbrugh,hotpix!
Description: Tony Smith image Flickr 4539227102 - 'The rowan, the oak and the holly tree
are the charges left for you to groom.
Each blade of grass whispers Jack-In-The-Green.
Oh Jack, please help me through my winter's night.
And we are the berries on the holly tree.
Oh, the mistlethrush is coming.
Jack, put out the light.
Yes, those 'Jacks In The Green' (yep they are plural !) have been busy during that long unusually cold winter. The results of their quiet labour seem to have all burst out into bloom around us.
The Pussy willow (Salix Caprea) is native to our corner of Europe and bits of Asia. The flowers seen here along an old railway line, are soft silky, silvery 3-7 cm long catkins, produced in early spring before the new leaves appear. Its dioecious in that there are male and female catkins on different plants.
Before the male catkins of these species come into full flower they are covered in fine, greyish fur, leading to a fancied likeness to tiny cats, also known as 'pussies'. The catkins appear long before the leaves, and are one of the earliest signs of spring.
The male catkins mature yellow at pollen release, the female catkins pale green. The fruit is a small capsule 5-10 mm long containing numerous minute seeds embedded in fine cottony hairs. The seeds are very small (about 0.2 mm) with the fine hairs aiding dispersal. To germinate they require bare soil.
This plant was historically widely used as a browse for goats and that might be the origin of the other name for this shrub.
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(c) Hotpix / HotpixUK Tony Smith - Hotpix.freeserve.co.uk WDCC 07092182899',
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Keywords: HotpixUK,@HotpixUK,GoTonySmith,UK,Scotland,at night,night,dusk,at dusk,EH1,on,Edinburgh,EH1 1YZ,architecture,Head Office,Bank of Scotland PLC,HBOS,Lloyds TSB,Headquarters,HQ,in,the,evening,Mound,old town,city,centre,history,historic,building,buildings,Victorian,citadel,style,dome,domed,rail,railings
Description: Tony Smith image Alamy 2A9GHRH - The Bank of Scotland plc (Scots: Bank o Scotland, Scottish Gaelic: Banca na h-Alba) is a commercial and clearing bank based in Edinburgh, Scotland. With a history dating to the 17th century, it is the fifth-oldest surviving bank in the United Kingdom (the Bank of England having been established one year earlier), and is the only commercial institution created by the Parliament of Scotland to remain in existence. It was one of the first banks in Europe to print its own banknotes, and it continues to print its own sterling banknotes under legal arrangements that allow Scottish banks to issue currency.
In June 2006, the HBOS Group Reorganisation Act 2006 was passed by the Parliament of the United Kingdom, allowing the bank's structure to be simplified. As a result, The Governor and Company of the Bank of Scotland became Bank of Scotland plc on 17 September 2007.
Bank of Scotland has been a subsidiary of Lloyds Banking Group since 19 January 2009, when HBOS was acquired by Lloyds TSB.
Description
Keywords: Removing,colourful,graffiti,with,a,paint,roller,covered,in,black,paint,Lothian,Scotland,gotonysmith,uni,university,banksy,graffiti,artist,mono,monochrome,hero,LEcosse,Edimbourg,Schotland,Schottland,La,Scozia,Edimburgo,Escocia,Edimburgo,gotonysmith,Buy Pictures of,Buy Images Of
Description: Tony Smith image Alamy CF7D6W - Removing colourful graffiti with a paint roller covered in black paint, Potterrow, Edinburgh, Lothian, Scotland, UK
Description
Keywords: GoTonySmith,@HotpixUK,Tony,Smith,UK,GB,Great,Britain,United,Kingdom,Scotish,Scottish,Scotch,British,Alba,problem,with,problem with,Stock Images,Tony Smith,United Kingdom,Great Britain,British Isles,centre,city centre,urban,Counting House,Pub,ceiling,window,stained glass,G1,G1 2DH,Bank of Scotland,Ruchead,architect,building
Description: Tony Smith image Alamy HGC7WP -
Description
Keywords: GoTonySmith,HotpixUK,@HotpixUK,note,notes,pound,pounds,holding,UK,keyboard,keys,Scots,bank,dispensed,from,a,local,Automatic Teller,machine,Glasgow,Scotland,G3,network,banking,of,machines,BOS,RBOS,polymer,plastic,cash,point,cashpoint,finance,finances,money,withdraw,fiscal,union,independence
Description: Tony Smith image Alamy 2PHJ91T - Scotland sees steepest fall in cash machine withdrawals in 2021
Data from the UK's main cash machine network reveals that ATM transactions fell by up to 68% during the first national lockdown
The UK's main cash machine network LINK has published data showing that despite a 37% fall in ATM transactions in 2020, UK adults on average still withdrew more than ?œ1,500 each from cash machines.
Scotland saw the steepest fall, with adults withdrawing almost ?œ900 less than they did in 2019.
On average, UK adults visited ATMs 12 times less in 2020 than they did in 2019.
In recent years, as consumers use alternative payment methods such as contactless cards or online payments, ATM transactions have fallen on average around 10% year-on-year.
However, in April 2020, when the UK went into the first national lockdown, ATM transactions fell initially by up to 68%.
Despite subsequent lockdowns, on average more than ?œ1.6bn was still withdrawn for cash machines every week for the rest of 2020.
Description
Keywords: GoTonySmith,@HotpixUK,Tony,Smith,UK,GB,Great,Britain,United,Kingdom,Scotish,Scottish,Scotch,British,Alba,problem,with,problem with,Stock Images,Tony Smith,United Kingdom,Great Britain,British Isles,centre,city centre,urban,Counting House,Pub,ceiling,window,stained glass,G1,G1 2DH,Bank of Scotland,Ruchead,architect,building
Description: Tony Smith image Alamy HGC7WF -
Description
Keywords: GoTonySmith,@HotpixUK,Scotland,Railway,passengers,TOC,Class158,Waverley Route,Waverley,Busy,rail,Class 158,interior,reopened,single track,problems,Borders Rail,Border Counties Railway,Scottish Borders,journey,Galashiels,public,transport,fund,integrated transport,late,delay,delayed,packed,packed trains,passenger,services,Eskbank,Season Ticket,Scotrail season ticket,crowded,crowded train,workers,strike,RMT union
Description: Tony Smith image Alamy P2X7YP - The Borders Railway connects the city of Edinburgh with Galashiels and Tweedbank in the Scottish Borders. The railway follows most of the alignment of the northern part of the Waverley Route, a former double-track line in southern Scotland and northern England that ran between Edinburgh and Carlisle. That line was controversially closed in 1969, as part of the Beeching cuts, leaving the Borders region without any access to the National Rail network. Following the closure, a campaign to revive the Waverley Route emerged. Discussion on reopening the northern part of the line came to a head during the early 2000s. Following deliberations in the Scottish Parliament, the Waverley Railway (Scotland) Act 2006 received Royal Assent in June 2006. The project was renamed the Borders Railway in August 2008, and building works began in November 2012. Passenger service on the line began on 6 September 2015, whilst an official opening by Queen Elizabeth II took place on 9 September.
The railway was rebuilt as a non-electrified, largely single-track line. Several surviving Waverley Route structures, including viaducts and tunnels, were rehabilitated and reused for the reopened railway. Passenger services run half-hourly on weekdays until 20:00, and hourly until 23:54 and on Sundays. The timetable also allows charter train promoters to run special excursion services, and for the weeks following the line opening scheduled steam trains were run.
Description
Keywords: GoTonySmith,HotpixUK,@HotpixUK,liquid,inflation,cost of living,crisis,struggles,England,Wales,Scotland,earnings,salary,flag,UK,GB,coin,coins,pound,STLG,spending,power,bank of England,cost of living crisis,Sterling pound notes,BOE,pound coin,steeper,bills,costs,savings,civil disobedience,real wages,fiscal,disruption,rising cost of living,living wage,King replacing,queen,the
Description: Tony Smith image Alamy 2JG21X7 - The UK cost of living crisis is a period starting in 2021 in which prices for essential goods in the United Kingdom began increasing faster than household income, resulting in a fall in real income. This is caused in part by a rise in inflation in the UK. While all in the UK are affected by rising prices, the impact has been felt most by those with low income. The UK government has responded in various ways, such as by making provision for a ?œ650 grant for each of the UK's lower income households.
Both global and local factors have contributed to the UK's cost of living crisis. According to Bank of England governor Andrew Bailey, about 80% of the causes driving the cost of living crisis are global. These include the ongoing COVID-19 pandemic, an ongoing chip shortage, an energy crisis in 2021?2022, a supply chain crisis in 2021?2022 and Russia's invasion of Ukraine in 2022. The UK was reported to be among the worst affected among the world's advanced economies. In 2021, the UK's inflation was less than that of the US, but high US inflation was not generally experienced as a cost of living crisis due to the stimulus cheques that had been distributed to American households. Though in 2022 the cost of living crisis was also reported as being a global phenomenon, having impacts that include those living in the US, across Europe, and as risking an apocalyptic impact for those in the developing world.
Causes unique to the UK include labour shortages related to foreign workers leaving due to Brexit, and additional taxes on households. Factors that have worsened the crisis since 1 April 2022 include Ofgem increasing the household energy price cap by 54%, an increase in National Insurance, and a rise in Council Tax. Household income, whether from wages or benefits, has not generally kept pace with rising prices. In April 2022, UK real wages fell by 4.5%, the sharpest fall since records began back in 2001
More at https://en.wikipedia.org/wiki/UK_cost_of_living_crisis
Description
Keywords: GoTonySmith,HotpixUK,Property,ownership,in,Scotland,Scottish,sterling,notes,on,board,green,houses,homes,representing,challenges,challenged,buying,or,renting,fiver,tenner,twenty,homeless,people,SocialHousing,social housing,Bank of Scotland,Royal Bank of Scotland,Clydesdale,bank,banks,Chambers Street,The Mound,Jenners,Twenty,SNP,Independence,currency,laundering
Description: Tony Smith image Alamy 2K6C9E1 -
Description
Keywords: GoTonySmith,HotpixUK,@HotpixUK,liquid,inflation,cost of living,crisis,struggles,England,Wales,Scotland,earnings,salary,flag,UK,GB,coin,coins,pound,STLG,spending,power,bank of England,cost of living crisis,Sterling pound notes,BOE,pound coin,steeper,bills,costs,savings,civil disobedience,UK cost of living crisis,real wages,fiscal,disruption,rising cost of living,living wage
Description: Tony Smith image Alamy 2JG21XE - The UK cost of living crisis is a period starting in 2021 in which prices for essential goods in the United Kingdom began increasing faster than household income, resulting in a fall in real income. This is caused in part by a rise in inflation in the UK. While all in the UK are affected by rising prices, the impact has been felt most by those with low income. The UK government has responded in various ways, such as by making provision for a ?œ650 grant for each of the UK's lower income households.
Both global and local factors have contributed to the UK's cost of living crisis. According to Bank of England governor Andrew Bailey, about 80% of the causes driving the cost of living crisis are global. These include the ongoing COVID-19 pandemic, an ongoing chip shortage, an energy crisis in 2021?2022, a supply chain crisis in 2021?2022 and Russia's invasion of Ukraine in 2022. The UK was reported to be among the worst affected among the world's advanced economies. In 2021, the UK's inflation was less than that of the US, but high US inflation was not generally experienced as a cost of living crisis due to the stimulus cheques that had been distributed to American households. Though in 2022 the cost of living crisis was also reported as being a global phenomenon, having impacts that include those living in the US, across Europe, and as risking an apocalyptic impact for those in the developing world.
Causes unique to the UK include labour shortages related to foreign workers leaving due to Brexit, and additional taxes on households. Factors that have worsened the crisis since 1 April 2022 include Ofgem increasing the household energy price cap by 54%, an increase in National Insurance, and a rise in Council Tax. Household income, whether from wages or benefits, has not generally kept pace with rising prices. In April 2022, UK real wages fell by 4.5%, the sharpest fall since records began back in 2001
More at https://en.wikipedia.org/wiki/UK_cost_of_living_crisis
Description
Keywords: GoTonySmith,HotpixUK,charging point,Scotland,charging,point,low carbon,vehicles,vehicle,Carbon Free,society,Recharging point only,Recharging point,only,sign,white,yellow,Eskbank,Dalkeith,Midlothian,UK,EV,charging points,EV Charging,grant,ChargePoint,free,charge,electric vehicle charging points,electric vehicle charging network,green,motion,Electric vehicle (EV) charging,types,Eskbank Railway Station,college,Edinburgh College (Midlothian Campus),rapid,supply,transition
Description: Tony Smith image Alamy R9GTE3 -
Description
Keywords: Banksie on a wall urban art Edinburgh,Scotland,UK spray paint spraypaint Browns Place of Grassmarket Browns,GoTonySmith,Buy Pictures of,Buy Images Of,Vennel,Edinburgh,art,artist,spray,EDN,policemen kissing,kiss,police,gay,Kissing Coppers,political activist,Woke,Tory Culture war,Culture war,polis,mystery,who is,Banksy,stencil,sexy,fruity,romance,romantic,kisses,kissing
Description: Tony Smith image Alamy ED4M2N - Banksy is a pseudonymous England-based street artist, political activist and film director whose real name and identity remain unconfirmed and the subject of speculation. Active since the 1990s, his satirical street art and subversive epigrams combine dark humour with graffiti executed in a distinctive stenciling technique. His works of political and social commentary have appeared on streets, walls and bridges throughout the world. Banksy's work grew out of the Bristol underground scene, which involved collaborations between artists and musicians. Banksy says that he was inspired by 3D, a graffiti artist and founding member of the musical group Massive Attack.
Banksy displays his art on publicly visible surfaces such as walls and self-built physical prop pieces. Banksy no longer sells photographs or reproductions of his street graffiti, but his public installations are regularly resold, often even by removing the wall they were painted on. Much of his work can be classified as temporary art. A small number of Banksy's works are officially, non-publicly, sold through an agency created by Banksy named Pest Control. Banksy's documentary film Exit Through the Gift Shop (2010) made its debut at the 2010 Sundance Film Festival. In January 2011, he was nominated for the Academy Award for Best Documentary Feature for the film. In 2014, he was awarded Person of the Year at the 2014 Webby Awards.
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Keywords: GotonySmith,UK,Scotland,city,city centre,HotpixUK,@HotpixUK,Xmas,Christmas,Xmas lights,decorations,street lights,Christmas Markets,street,streets,Glasgow Christmas Festive Lights,G2,G2 1DU,Glasgow City Centre,Glasgow City,centre,Glasgow Christmas,Festive Lights,tree,Christmas Tree,shop,shopping,closing,bankrupt,profits down,department store,at risk,survival,survive,bankruptcy,bust,going bust,Arcadia,Philip Green
Description: Tony Smith image Alamy 2AAEHXG - Debenhams is a British multinational retailer operating under a department store format in the United Kingdom and Ireland with franchise stores in other countries. The company was founded in the eighteenth century as a single store in London and has now grown to 178 locations across the UK, Ireland and Denmark. It sells a range of clothing, household items and furniture and has been known since 1993 for its 'Designers at Debenhams' brand range.
Headquartered in Regent's Place in the London Borough of Camden, the company owns the Danish department store chain, Magasin du Nord, and has a subsidiary in Ireland.
The business was formed in 1778 by William Clark, who began trading at 44 Wigmore Street in London as a drapers' store. In 1813, William Debenham became a partner and the corporate name changed to Clark & Debenham.
After considerable media speculation about Debenhams' survival, the company announced the largest loss in its history, a pre-tax loss of ?œ491 million, and the closure of up to 50 stores with the potential loss of 4,000 jobs.
On 9 April 2019, the company announced that they had gone into pre-pack administration.
On 26 April 2019, the company announced that in addition to rent reductions on all except 39 stores, 22 stores would close after Christmas 2019. This included the recently opened Wolverhampton store (described above) in addition to the following stores: Altrincham, Ashford, Birmingham Fort, Canterbury, Chatham, Eastbourne, Folkestone, Great Yarmouth, Guildford, Kirkcaldy, Orpington, Slough, Southport, Southsea, Staines,Stockton-on-Tees, Walton-on-Thames, Wandsworth, Welwyn Garden City, Wimbledon and Witney.
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Keywords: GoTonySmith,@HotpixUK,Scotland,Railway,passengers,TOC,Class158,Waverley Route,Waverley,Busy,rail,Class 158,interior,reopened,single track,problems,Borders Rail,Abellio,Border Counties Railway,Scottish Borders,journey,time,Galashiels,public,transport,fund,integrated transport,late,delay,delayed,packed,packed trains,passenger,services,project,Eskbank,Season Ticket,Scotrail season ticket,crowded,crowded train
Description: Tony Smith image Alamy P2X7YN - The Borders Railway connects the city of Edinburgh with Galashiels and Tweedbank in the Scottish Borders. The railway follows most of the alignment of the northern part of the Waverley Route, a former double-track line in southern Scotland and northern England that ran between Edinburgh and Carlisle. That line was controversially closed in 1969, as part of the Beeching cuts, leaving the Borders region without any access to the National Rail network. Following the closure, a campaign to revive the Waverley Route emerged. Discussion on reopening the northern part of the line came to a head during the early 2000s. Following deliberations in the Scottish Parliament, the Waverley Railway (Scotland) Act 2006 received Royal Assent in June 2006. The project was renamed the Borders Railway in August 2008, and building works began in November 2012. Passenger service on the line began on 6 September 2015, whilst an official opening by Queen Elizabeth II took place on 9 September.
The railway was rebuilt as a non-electrified, largely single-track line. Several surviving Waverley Route structures, including viaducts and tunnels, were rehabilitated and reused for the reopened railway. Passenger services run half-hourly on weekdays until 20:00, and hourly until 23:54 and on Sundays. The timetable also allows charter train promoters to run special excursion services, and for the weeks following the line opening scheduled steam trains were run.
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Keywords: twenty,pound,note,and,cash,BR,TOC,STD,ticket,worth,travelling,poor,Abellio,service,day,return,Warrington,stations,STNS,anytime,Royal,Bank,of,Scotland,Advance Ticket,train tickets,day return,GoTonySmith,@HotpixUK,Tony,Smith,UK,GB,Great,Britain,United,Kingdom,Scots,Scottish,British,Scotland,Glasgow,Greater,problem,with,problem with,issue with,City,Centre,cities,Urban,Urbanist,town,infrastructure,transport,tour,tourism,tourists,urban,attraction,attractions,Buy Pictures of,Buy Images Of,Images of,Stock Images,Tony Smith,United Kingdom,Great Britain,Greater Glasgow,British Isles,Glasgow City Centre,City Centre
Description: Tony Smith image Alamy HEJ6CN -
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Keywords: Clydesdale,bank,ATM,cash,dispensing,machine,Scotland,UK,scottish,independance,independence,soveregn,nation,SNP,national,party,money,monetary,union,issues,problems,problem,finance,financial,vote,voting,20,10,ten,twenty,note,official,currency,gotonysmith legal tender retail,hand,finger,fingers,Buy Pictures of,Buy Images Of
Description: Tony Smith image Alamy DG373Y - While provincial banks in England and Wales lost the right to issue paper currency altogether, the practice of private banknote issue has continued in Scotland and Northern Ireland. The right of Scottish banks to issue notes is popularly attributed to the author Sir Walter Scott, who in 1826 waged a campaign to retain Scottish banknotes under the pseudonym Malachi Malagrowther.
Scott feared that the limitation on private banknotes proposed with the Bankers (Scotland) Act 1826 would be have adverse economic consequences if enacted in Scotland because gold and silver were scarce and Scottish commerce relied on small notes as the principal medium of circulating money. His action eventually halted the abolition of private banknotes in Scotland.
Scottish and Northern Irish banknotes are unusual, firstly because they are issued by retail banks, not central banks, and secondly, as they are not legal tender anywhere in the UK ? not even in Scotland or Northern Ireland ? they are in fact promissory notes.
Seven retail banks have the authority of HM Treasury to issue sterling banknotes as currency. Despite this, the notes can be refused at the discretion of recipients in England and Wales, and are often not accepted by banks and exchange bureaus outside of the United Kingdom. This is particularly true in the case of the Royal Bank of Scotland ?œ1 note, which is the only ?œ1 note to remain in circulation within the UK.
In 2000, the European Central Bank indicated that, should the United Kingdom join the euro, Scottish banks (and, by extension, Northern Ireland banks) would have to cease banknote issue. During the Financial crisis of 2007?2008, the future of private banknotes in the United Kingdom was uncertain. It has been suggested that the Banking Act 2009 would restrict the issue of banknotes by commercial banks in Scotland and Northern Ireland by removing many of the provisions of the Acts quoted above.Banks would be forced to lodge sterling.
