Government notice of entitlement to compensation for war damage, under the National Security (War Damage to Property) Regulations, from 1 January 1942, and an instruction not to seek compensation until instructed. The War Damage Commission was established under Commonwealth national security legislation to pay compensation for direct war damage. It collected money from local councils through a levy based on property values. Payments were not generally to be made until after the war ended.White paper, discoloured with age, printed in blackwar damage commission

Peter Leslie (Les) Sykes was born in 1896. When 14 years of age he worked as a waite of the Old Colonists' Club. In 1911 he started an apprencticeship at Wiles and Watts, electroplaters of Armstrong Street North, which he later purchased. In later years Les was a member of the club. The Waiter's Drink Tray was one of a job lot from teh Old Colonists' Club either left behind or given as part payment (pre 1940s). Colour photograph of a silver tray used in the Ballarat Old Colonists' Hall.ballarat old colonists' association, ballarat old colonists' club, old colonists' association, ballarat, ballarat old identities, silver tray, waiter's tray

Rutherglen Winery Company Ltd receipt of £7-10 bequest from the estate of James SmithReceipt, printed on paper, from the Rutherglen Winery Company Ltd for the amount of £7/10. The number 527 is rubber stamped at the top left below the wine company's name. Details are hand written on the form."Rutherglen, January 16th 1912. Received from Es. of late James Smith per W.L. Bayliss Esq. J.P. the sum of Seven Pounds ten Shillings and --- Pence in payment of Calls and interest to date as under:- Calls £5-0-0 Interest £2-10-0 Allowance £2-9-11" Signed A H Thompson, Secretaryrutherglen winery company, james smith, bequests

Cohn Bros. Limited Notice of Meeting and Directors' Report for Year ended 30 April, 1955. Registered Office : Bridge Street, Bendigo. Printed document four pages in length. Includes a Notice to the Shareholders regarding dividend payments, pinned to the front of the document. Directors : Frank Levy (Chairman and Managing Director), Marc Cohn, Leo R. Cohn, Clifford Cohn, Edward B. Newell. Secretary : Arthur G. K. Douglas.bendigo, industry, cohn bros., cohn bros. limited.

Letter from Court Tarrangower, Maldon dated 20.1.77. It mentins Wm. Veal was residing in Sandhurst and was now on the Sick Fund, he would like to receive his Sick Pay through Pride of the Forest, Sandhurst. It is requested to take 1/- per week from each payment. Signed by D. Martin, Secy. To Bro. Rowe, Secy, Pride of the Forest, Sandhurst. Letter has Court Tarrangower Maldon A.O.F. No. 3514 impression stamp.societies, aof, correspondence, ancient order of foresters no. 3770 collection - correspondence, court tarrangower maldon, wm veal, d martin, bro rowe, pride of the forest

2 large white posters titled, ' FEMALE EMIGRATION to AUSTRALIA.' encouraging single and widowed women ' of good character from 15 to 30 years of age, desirous of bettering their Condition by Emigrating..-' ' Payment of 5 pounds only.' ' ..the splendid teak-built ship' 'David Scott,' of 773 tons register will sail from 'GRAVESEND,' on Thursday 10th of July next…' Printed by Joseph Hartnell, Fleet Street for His Majesty's Stationary Office.' C1834.Printed by Joseph Hartnell, Fleet Street for His Majesty's Stationary Office.' C1834.history, australian, emigration, lydia chancellor, collection, australian history, history, emigration, women, free settlers, early settlement, sydney

Monument Hill Consolidated (Bendigo) N. L. to Miss G. Alice Jones. Pink paper dated between July 28, 1934, and Feb 26, 1935. Also, 2 April 1935. Account for work involved in the transfer of Gold Mining Leases, Instructions for Wardens Summons, instructions for transfer of residence area and payments of various expenses. "R603 delivered 2/4/35 JW" in top left corner. Total cost £18.19.1.miss g. alice jones - solicitor - account, monument hill consolidated (bendigo) n l, h j leed, lease no 10023, mr stanistreet, lease no 9915, lease no 10014, lease no 10192, f chenhall, hendry, hartley, mulheron, jones, christian, whitford

Following a Royal Commission in 1855, the Gold License was changed to the Miner’s Right, which reduced the fee and required annual payment, rather than monthly or quarterly.The fourth Goldfields Act, passed in early 1858, gave increased privileges to holders of Miner's Rights. These included the right to make residential claims, allowing the cutting of timber on claims and giving the right to build races and dams on any crown lands for mining purposes. This certificate is in the name of Samuel Richardson who brought it to Orbost.This item is of historical significance as it is associated with positive outcomes for gold miners brought about by the Eureka Stockade rebellion and its subsequent democrat changes. It is also associated with the Richardsonfamily who were early settlers in Orbost.A certificate for a miner's right printed on paper. It cost one pound. It was Not Transferable. Details have been filled out in ink. At the top of the licence is an elaborate etching, under the heading 'Colony of Victoria'. Inside a shield is a young woman, crowned, seated, with shipping in the background. oO her left is a miner with hat presenting her with a gold nugget while on her right, a farmer presents grain to her. Mottoes include 'Honi Soit Que Mal Y Pense'; 'Dieu et Mon Droit' and 'Advance Australia' There are handwritten notes in faded ink on the back.miner's right, colony of victoria, samuel richardson, no 14, government act

00373.1 Letter dated 30 January 1943 to W.G.Thomson enclosing a list of items that the Hostel wished to purchase and a cheque for £88/19/- in payment. It also requests the vendor considers adding items such as garden tools and hoses for sale, as Legacy would "find it difficult to obtain these items at present". 00373.2 The List of Articles available for purchase by Legacy Club. Broken down room by room. Included items such as curtains, linoleum, vacuum cleaner, kitchen table and chairs, roller for the tennis court and a stepladder. A record of written correspondence regarding purchasing furniture and items for the first hostel established by Legacy in 1943.00373.1 Blue quarto copy paper, black type, two hole punched. 00373.2 White foolscap paper, black type, two hole punched.00373.1 Initialled illegible on behalf of the Chairman - Hostel Committee. 00373.2 Tick marks in pencil alongside some itemsholmbush administration, residences

The Presidents Fund was created in 1932 by a donation from Legatee Walter W Berry from his late father's estate "to help temporarily embarrassed Melbourne Legatees" towards the end of The Great Depression. The aim of the fund was the give the President a way to help needy cases with discretion and without having to gain approval from committees. In many cases the money was repaid by the recipient. This document is dated 1966 written by President R S Isherwood, it outlines the fund started in 1933 with an initial payment of $100 (which would have been £50 at that time). Legatee Berry passed away in 1933 and his estate passed to Equity Trustees who continued to make annual payments to Legacy. The other documents are copies of a letter from 1933 outlining the intention of the trust and a letter from 1966 to record details of arrangements wth Equity Trustees. This document was in a folder labelled President's Fund Origin and Authorisation with many other documents that included correspondence, receipts of donations and material about when money was given to help appropriate cases. The folder was marked with H40 which is part of an early archive project from the late 1960s and early 1970s.A record of the President's fund which was a fund that allowed the President to help fellow legatees with discretion.White file paper x 5 pages with black type outlining the origin of the President's Fund with copies of past correspondence to support. Handwritten in blue ink on top left 'Copy for Information' and on base of first page 'Approved by BOM 14 December 66'.financial help, presidents fund

Items souvenired by Wayne William Forbes No 3176337 RAE. Refer Cat No 754 for service history also 2586. Part of an extensive collection including his fathers. The MPC was used in US and Australian bases and was not used in the general Vietnamese community. This was so US Dollars could not make their way into the black market etc. Every few months the MPC was renewed, differant styles, colours etc and old notes were handed in and new ones issued..1) A4 white sheet with 5 Military Payment Currency notes attached via photo corners. The notes are US Military showing 25 cent, 10 cent, & 5 cent. A typed write up is attached to the RHS detailing the reason for & the use of the notes. The sheet is in a plastic sleeve. .2) 2 Official currency notes of South Vietnam set in photo corners on a white background, 1 reddish 20 Dong, 1 brownish 1 Dong.A24 658321 - E2 383786numismatics - notes, military history - army, mpc, vietnamese

Card, pinkish on one side and lemon on the other. Pink side has a picture of the Grand Lodge Hall and Offices, 30-32-34 Latrobe Street, Melbourne and a 1911 Calendar with the meeting place (Court House Hotel) of the Sandhurst Lodge in Bendigo. Secretary, Mr. D. A. Kenley. Bro. ambrose, Printer. On the lemon side are the Scale A & B of Benefits and Scale A and Scale B of Weekly Payments. It also has the Valuation of the Society in Victoria at the 31st December, 1909.organization, society, oddfellows, grand united order of oddfellows benefits card, sandhurst lodge, court house hotel, mr d a kenley, bro ambrose printer

2 buff coloured post cards. A. addressed to Messrs Bennett & Co., Solicitors, Sandhurst. Buff coloured post card, one penny embossed stamp, dated 29/4/85, acknowledging receipt of letter from Shire Hall Kerang. B. Addressed to Messrs Bennett Attenborough Wilks & Connelly, Solicitors Sandhurst, dated 3 Feb 1887. re account for 4/4/- being passed and forwarded to Treasury for payment at Sandhurst. Inspector of Accounts.business, legal, connelly & tatchell collection:, connelly & tatchell

Document. KELLY & ALLSOP COLLECTION. One page handwritten letter, dated 7 Nov. 1901, from Percy C. Baker, Auctioneer of Lyttleton St., Castlemaine to M.Kelly Esq, Sharebroker, Bendigo. Relates to sale of forfeited Specimen Reef G.M.Co., shares for non payment of call. Auction to take place at Baker's office on 9th Nov. Letter written under Percy C. Baker & Co. printed letter head that outlines all the functions of tPercy C. bakerbusiness, stockbroker, kelly & allsop, kelly & allsop collection, percy c. baker, m.kelly, letter, specimen reef gold mining co.

This Sandhurst gold mine was registered in 1864 although its head office was in Melbourne. The first manager was Edwin Chaplin. It had an initial nominal capital of 11,200 pounds raised through 224 shares of 50 pounds each. It was liquidated and delisted on the stock exchange in 1951.Two typewritten letters, one dated 8th May 1925 and the other 22nd June 1925. Both letters are addressed to Mr. M. Kelly, Beehive chambers, Bendigo. The first one advising that enclosed is a statutory declaration in connection with the scrip certificates for 200 shares that have been lost. The second one advising of two cheques for 25 pounds enclosed as payment of dividends. Both letters are signed by the manager of the Hercules Gold Mining Company Mr. Stanfield.hercules gold mining company, shares

Poster titled "The New System of Fares and Sections to be Introduced on Sunday, 3rd October 1937" produced by the SECV, Ballarat Electric Tramways. r. Provides information on the SEC control, the method of payment, sections, fares, weekly, school, scholars, luggage and parcel, View Point Services and Tourist Ticket. Signed by H. N. Hornabrook as Manager. Has printer's name, Tulloch and King in the bottom left-hand corner. See Reg. Item 8025 for individual copies and 8251 for the associated map/fare poster that was used in tramcars.Demonstrates the work the SEC undertook to provide information on the new ticket system of 1937 and yields information about the system.Poster contained within Reg. Item 2488, page 30, Numerous on page 31 in ink and penciltrams, tramways, sec, fares, sections, tickets

What seems to be the final meeting of the committee formed to publish a biography of Sir Stanley Savige, including a statement of receipts and payments. 3000 copies of the book were accounted for, including 2237 actual sales. A balance of 489 pounds and twopence was authorised to be handed over to the Hon. Treasurer of the Sir Stanley Savige Fund. The remainder of the book stock was in Melbourne Legacy's hands for sale or disposal, and although it was noted that sales were not as good as expected, it was felt that the books sold ensured that Sir Stanley Savige's life and work would not be forgotten.Finalisation of the project to publish a biography of the founder of Legacy.Three sheets of copy paper, carbon copiessavige book, committee

Correspondence showing the return of money borrowed to fund the writing of the biography of Legatee Savige. 00782.2 and 00782.3 are letters to H.G. Brain as one of the donors who financed the publication of the biography of Sir Stanley Savige, enclosing receipts for 200 pounds (00782.1). Of particular interest is the 3d (threepenny) Victorian Stamp Duty stamp stuck to the receipts and overwritten in blue ink to denote they are duplicates, which indicative of government regulations at the time (1957). 00782.4 is a copy of a letter sent to W.B. Russell (the author) confirming the arrangements for writing and payment of the book.A record of some of the financial arrangements made by the publishing committee in order to get the biography written and published. Receipt copies x 3, with green 3d. Victoria Stamp Duty stamps affixed White typewritten letters x 3.Receipts signed, dated and marked 'Duplicate' in blue ink. 00782.2 signed in blue ink 'W.W. Cooper' and annotated in pencil (writing illegible) 00782.3 signed in blue ink 'W.W. Cooper'savige book, committee

Ballarat Junior Technical School opened in 1913. It was located at the Dana Street State School. As numbers grew a larger building was needed. Plans were drawn and a school built within the grounds of the School of Mines. Students started at this new school in 1921. It was officially opened on 9 September 1921 by Sir Alexander, resident of Creswick, local member for North Ballarat and the Minister for Education. He also opened the School Fair which coincided with the buildings ceremony. This was a fair on a grand scale and lasted two days and nights. Staff and students worked for weeks making articles for sale. A parent's committee led by Mr J Rogerson, a local police detective, had been organizing for months. As part of the ceremony for the opening of the school the Strachan Orchestra was engaged to play. .1 Taxi hire provided transport for the Strachan Orchestra for two visits at a total cost of Five Shillings. This hand written slip shows the date of payment and by whom .2 This item is the receipt N A Strachan sent to Mr Steane, Headmaster of the school, for the payment of Two Pounds, cost for engaging the Orchestra. Money raised funded the dodge-ball court, purchased a typewriter, a second-hand piano, an inter-room telephone system, an epidiascope and film projector.Hand written notes on lined paper. .1 Invoice; .2 Receipt.1 Signature of W. Button .2 Signature of N.A. Strachan.ballarat junior technical school, dana street, ballarat school of mines, minister for education, member for north ballarat, school fair, strachan orchestra, receipt, albert steane, ceremony, taxi, typewriter, piano, telephone system, payment notice, sir alexander peacock

The hospital in King Edward Avenue Sunshine was originally known as St Andrew's Hospital and it was run by the Sisters Carruthers who in 1946 decided to retire. The hospital became the Sunshine & District Community Hospital on 15 September 1946. In the First Annual Report for the period 15 September 1946 to 30 June 1947, it is stated that of the 413 patients admitted 37.8% were members and 62.2% non members, and that the hospital was "...responsible for hospital attention under benefits to approximately 2000 residents." Just what the exact benefits were is unknown. Did members receive cheaper treatment, cheaper pharmaceuticals, guaranteed hospital bed, or something else? If anybody can provide the information it would be greatly appreciated. The 1946 cards show that L.W. Noble of Morris Street, Sunshine had a Single Membership which cost 26 shillings ($2.60) per annum, and that J.H.F Noble of the same address had a Double Membership which cost 39 shillings ($3.90) per annum. The cards were issued when payments for the first 4 weeks of membership were made, which were 2 shillings for Single and 3 shillings for Double. The stickers inside provide a record of continuing membership payments.These two cards indicate that membership of the Sunshine & District Community Hospital was a way of receiving Treatment or Membership benefits. This type of membership of a hospital appears to be a forerunner to the present day memberships provided by the various Hospital Benefits Associations. The cards also provide information about the cost of being a member of the Sunshine & District Community Hospital in 1946, and how the membership payments were recorded.The membership cards are actually small booklets with the Single Membership Card being Yellow coloured and the Double Membership Card being Blue coloured.Single Membership Card No. 983 / Double Membership Card No. 297 / Sunshine & District Community Hospital (Incorporated) / King Edward Avenue Sunshine / N.B.--This Card Must be submitted when requiring Treatment or Membership Benefitshospital membership card, sunshine & district community hospital, leslie noble, l.w. noble, j.h.f. noble, 94 morris street sunshine, king edward avenue sunshine, 30 september 1946, no. 983, no. 297, membership cards (1946)

Absentee landlords were common in Ireland and for many landlords the primary focus was income rather than the conditions of their tenants. Many landlords realized that they could get a higher income by turning their properties to pasture than to continue with the old practice of collecting rents from tenant farmers. Evictions was the most common way of getting rid of unwanted tenants. The tenant frequently built his cottage himself from local materials. However, his rent was higher if he had windows, if his door was over a certain height and if he made any type of improvements or enlargements to the dwelling. The landlords practiced "Rack Renting" in order to get rid of unwanted tenants. Rents were raised to the point that the tenant could not afford to pay them. The landlord then had the tenant evicted for non payment of rent. There were no appeals and no mercy shown. Although the only legal reason for eviction was non payment of the rent there were numerous examples of landlords who evicted tenants if they did not conform to the landlord's wishes.[http://www.maggieblanck.com/Mayopages/Eviction.html, accessed 13/12/2013] This image was also printed in he Illustrated London News, April 17, 1886, with the title 'all that is left, scene at a Mayo Eviction. A barefoot woman sits on a table in the rain, outside a cottage with thatched roof. She is surrounded by her possessions.ballarat irish, eviction, rent, cottage, tenant, homeless, mayo

CONELLY & TATCHELL COLLECTION Mr Richard Coucher-Farmer re Mortgage - Purple two pence Victoria stamp and a yellow three pence on the envelope Letter from F Douglas Jones Barrister & Solicitor Albion Chambers Bendigo 22.4.1895 re payment of monies owing on mortgage .Also a document re Transfer of Land Act 1890 -Notice to pay monies owing on Mortgage to Richard Coucher of Tandarra Farmer .Please take notice that I ..James Weekley

Collection of records of Bendigo and District Old Peoples Welfare Society Inc./ General Fund book -6092258 ( Account closed 2.3.99 ) / notes on front cover - Sandhurst Trustees , V101 Cash Common , Sandhurst Trustee V402 , BOPWS 11.10.95 , 1/1/99, 30.6.2004, 20.7.2005- / Large red hard cardboard covered book front shows gold lettering Collins 3880 Account Book 7 Money Column / Audit report / Statement of Receipts and Payments / collection of receiptsdocument

A letter dated 2nd June 1925, addressed to Messrs. Allsop & Co, acknowledging receipt of cheque in payment of call on shares registered in the name of M. Kelly. The letter is signed by the manager of Thomo Gold No Liability. A receipt is attached to the letter. Two more receipts are included one dated 28th April 1925, the other 5th May 1925 A notice given that a call of 3 pounds per share has been made by the board of Thomo Gold is also included.shares, gold company, thomo gold

Central Nell Gwynne G. M. Co. N. L. to Miss G. Alice Jones. Pink paper dated Mar. 27 to Apl. 5 and 24 April 1939. re Neiwand to Company (Mr. Stanistreet, nominee). Account details costs and work involved in transfer to Co. of Mr. Niewands rights of occupancy of land excess to residence Area and payment to him. Total cost £2.8.0. "R669 26/4/39" written in the top left corner.miss g. alice jones collection - account, central nell gwynne g. m. co n l., mr neiwand, mr stanistreet

Aerial Photograph of the Old Colonists' Association of Ballarat Cottages at Charles Anderson Grove. One of the first objectives of the Association was "to provide the shelter of a hose for those Pioneers of the Goldfields whom the reverses of fortune have deprived of the means of procuring the comforts of life in their declining years." The first home at Charles Anderson Grove was built in 1925. Before that time the Association provided relief for needy pioneers. relief included monthly monetary payments, loads of firewood, medical assistance and distribution of Christmas bosed of groceries to deserving pensioners, and in some cases payment of burial costs. ::a) The dominant purpose of the Association is to give public benevolent relief as a charity, but providing independent living accommodation in our Retirement Village for person in need who are over 65. ::b) To raise funds by membership subscription, commercial and residential rents, donations, gifts and voluntary work, for the purpose of providing direct relief of poverty, distress, misfortune or helplessness. ::c) To maintain the important heritage and ongoing viability of the Old Colonists' Association. (Revised Rules of the Old Colonists' Association of Ballarat Inc., 2016) old colonists' association, ballarat, charles anderson grove, retirement village

Aerial photographs of the Old Colonists' Association of Ballarat Cottages at Charles Anderson Grove. One of the first objectives of the Association was "to provide the shelter of a hose for those Pioneers of the Goldfields whom the reverses of fortune have deprived of the means of procuring the comforts of life in their declining years." The first home at Charles Anderson Grove was built in 1925. Before that time the Association provided relief for needy pioneers. relief included monthly monetary payments, loads of firewood, medical assistance and distribution of Christmas bosed of groceries to deserving pensioners, and in some cases payment of burial costs. ::a) The dominant purpose of the Association is to give public benevolent relief as a charity, but providing independent living accommodation in our Retirement Village for person in need who are over 65. ::b) To raise funds by membership subscription, commercial and residential rents, donations, gifts and voluntary work, for the purpose of providing direct relief of poverty, distress, misfortune or helplessness. ::c) To maintain the important heritage and ongoing viability of the Old Colonists' Association. (Revised Rules of the Old Colonists' Association of Ballarat Inc., 2016) old colonists' association of ballarat, charles anderson grove, retirement village

Set of 33 Notice Paper or Meeting Agendas - sent to Trust Members and others for The Melbourne Tramways Trust for period March 1884 to Feb. 1885. Printed by Ferguson and Moore for the Trust. Signed by the Secretary. Covers construction arrangements, appointments, financial, loans, debentures, legislation, arrangements with the Melbourne Tramway and Omnibus Company and other organisations including banks. Notes are the principal items shown in the Orders of the Day. Printed by Fergusson and Moore Meeting No. Date Notes 1 14/3/1884 Appointment of Solicitor, E. G. Fitz Gibbon interim Secretary 2 21/3/1884 Appointment of Solicitors and Bankers 4 4/4/1884 Confer with MTOC and appointment of an Engineer. Signed by Hugh T. Jordan as clerk. 6 18/4/1884 Consider different routes, elect a Works Committee 7 25/4/1884 Confer with Mr. G. Duncan. 8 2/5/1884 Report from Legislative Committee, appointment of Mr. Duncan as Engineer to the Trust. 2nd copy has handwritten note regarding confirmation of the appointment. 9 9/5/1884 Consideration of amendments to the Act. 10 16/5/1884 Authorisation of borrowing of #500,00 and appointment of a Secretary. 11 23/5/1884 Finance report. 12 30/5/1884 Meet with deputation to have Lygon St line extended to Brunswick and payment of accounts. 13 6/6/1884 Applications for Secretary, and petition for Lygon St extension. 14 13/6/1884 Legislative committee report 15 20/6/1884 Advance to MTOC and assist bill through Parliament 16 27/6/1884 Works committee report. Signed by T. Hamilton as Secretary. 17 4/7/1884 Payment of accounts, including G. Duncan and office accounts. 18 11/7/1884 Construction of one line of tramway and another attempt for the Lygon St tramway again. 19 16/7/1884 Reduction of debenture interest rate to 4% and paying for cutting down of Swanston St. 20 1/8/1884 Interest fixed at 4.5%, accounts, construction of Richmond line, and meeting dates. 21 15/8/1884 Payments to MTCo re cost of original Acts. 22 29/8/1884 Sealing of Debentures to England, and accounts 23 5/9/1884 Re amendments to Bill for Tramway Act and payment for patents. 24 19/9/1884 Accounts, overhang of tramcars, completion of tramways. 25 26/9/1884 Tenders for works, finance report, payment of MTT expenses by MTOC. 26 10/10/1884 Works committee Report – copy in file – payments of accounts and recommend acceptance of Duncan’s plans and Richmond line by public tender. 27 Special 20/10/1884 Letter from MTOC re possible delays in the Bill – additional Branches bill. 28 24/10/1884 Finance – debentures now in England, appointment of H. Jordan as Treasurer and accounts. 29 7/11/1884 Works committee and accounts, purchase of cement, letter from Mr. Pyman re rejection of petition. 30 21/11/1884 Shows chairman’s name – Thomas O’Grady, approval of plans etc for the Richmond line. 31 5/12/1884 Works committee, accounts, payment to Mr. Pyman, purchase of equipment and engines for the Northern lines and appointment of an inspecting Engineer in England. Queries from England re sufficiency of the guarantee on the debentures. 32 19/12/1884 Finance Committee report – accounts. 33 9/1/1885 Finance and works – accounts, tenders for cement etc, appoint of an inspector of works, authorise plans for Brunswick, Fitzroy and Spencer St and Collingwood and Nicholson St. 34 23/1/1885 Finance and works – accounts, report on tenders. 35 6/2/1885 Committee reports, accounts, land purchase, appoint of Mr. Carruthers as inspecting Engineer in England – 1% of value of work. For a word version - see: \dbtext\hawthtramcoll\images\htd2001doc.doctrams, tramways, mtt, cable trams, melbourne tramways trust, construction, finances, mto co