A. W. Gray & Butler, Chartered Accountants
10 Knockbreck Street, Tain, IV19 1BJ
Tel: +44 (0)1862 892465 Fax: +44 (0)1862 894128 awgrayb@aol.com
A.Ratcliffe
The Byre, Marine Terrace
Cromarty Ross-Shire IV11 8YN
Tel: 01381 600700
A. W. Gray & Butler,
Chartered Accountants
10 Knockbreck Street, Tain, IV19 1BJ
Tel: +44 (0)1862 892465 Fax: +44 (0)1862 894128 awgrayb@aol.com
Adie Financial Solutions http://www.adiefs.com/
Bon Accord House, Riverside Drive, Aberdeen, AB11 7SL
Tel. 01224 212120 Fax. 01224 211874 info@adiefs.com
Books In Order
Suilven, Scotsburn Road, Tain, Ross-Shire IV19 1PP
Tel: 01862 894777 :enquiries@booksinorder.co.uk
Biagi Associates
64 High St
Alness Ross-Shire IV17 0SG
Tel: 01349 883668
C.T Falconer & Co
24, Tower St.,
Tain, Ross-Shire IV19 1DY
Tel: 01862 892299 c.t.falconer@lineone.net
Financial problems ?
Money Advice Scotland.org.uk
(MAS) was set up in 1989 courtesy of a grant from the
Scottish Consumer Council as the umbrella organisation to represent
individuals and agencies involved in all areas of money advice (DEBT
advice).
Debtslash.net
John West, Hillmond House, Stratherrick Road, Inverness IV2 4LU
Tel: 01463 238859 Fax 01463 221924 debtslash@talk21.com
Adie Financial Solutions http://www.adiefs.com/
Bon Accord House, Riverside Drive, Aberdeen, AB11 7SL
Tel. 01224 212120 Fax. 01224 211874 info@adiefs.com
Gray & Butler
10 Knockbreck St
Tain Ross-Shire IV19 1BJ
Tel: 01862 892465
Gray R.R
17 Balconie St Evanton
Dingwall Ross-Shire IV16 9UN
Tel: 01349 830558
James Stewart
The Old Pottery, Millbank Rd
Munlochy Ross-Shire IV8 8ND
Tel: 01463 811533
James Stewart
Shantullich Lodge Shantullich Farm
Munlochy Ross-Shire IV8 8PD
Tel: 01463 811547
Johnston Carmichael http://www.jcca.co.uk/
Leggatt & Co
Kempfield Court
Dingwall Ross-Shire IV15 9RT
Tel: 01349 863356
Highland
Accountancy Practice
Suite 1A, Willow House, Stoneyfield Business Park Inverness IV2 7PA
: (01463) 233866 Fax: (01463) 719888
info@highlandaccountancy.co.uk
Institute of Chartered
Accountants of Scotland
Macdowall & Co
Tulloch St
Dingwall Ross-Shire IV15 9JZ
Tel: 01349 863345
MacKenzie A. A & Co
Mayfield High St
Dingwall Ross-Shire IV15 9ST
Tel: 01349 864489
R.W.M & K.M MacKenzie & Co
Geanies House Fearn
Tain Ross-Shire IV20 1TW
Tel: 01862 871000
Ratcliffe A F
: 01381 600700
39 Bayview Cr, Cromarty, IV11 8YW
Saggers Peter & Co
Achtercairn
Gairloch Ross-Shire IV21 2BQ
Tel: 01445 712409
Stewart & Stewart
34 Millbank Rd, Munlochy, IV8 8ND : 01463 811843
Trevor Black Chartered Architects
64 High Street INVERGORDON IV18 0DH
Tel: 01349 853159 trevor.black@btinternet.com
Ross and Cromarty Financial Advisers:
Logie Financial Consultants
Fearn, Tain, IV20 1XP
01862 832485
McIntosh George Ltd
The Square/George St
Dingwall, IV15 9SA 01349 865656
Northern Insurance Services
22 High St
Alness, IV17 0PS 01349 883838
Johnston Carmichael
www.jcca.co.uk
Nevis House Beechwood Park Inverness IV2 3BW
Tel: 01463 224848 Fax: 01463 710624
Alton House 4 Ballifeary Road Inverness IV3 5PJ
Tel: 01463 711178 Fax: 01463 711138
5 Hill Street Dingwall IV15 9JP
Tel: 01349 861420 Fax: 01349 862872
Tesco Finance

Why a Global Economic Deluge Looms
People who know the most about the
world financial system are increasingly worried, and for very good
reasons. Dire warnings are coming from the most "respectable"
sources. Reality has gotten out of hand. The demons of greed are
loose.
What is that reality? It
includes a number of factors. Alone they would be exceedingly serious;
combined, they are very likely to be lethal.
First of all, the
International Monetary Fund (IMF) has been undergoing both a structural and
intellectual crisis. Structurally, its outstanding credit and loans have
declined dramatically since 2003, from over $70 billion to a little over $20
billion today, leaving it with far less leverage over the economic policies
of developing nations--and even less income than its expensive operations
require. It is now in deficit.

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