The following text may have been generated by Optical Character Recognition, with varying degrees of accuracy. Reader beware!

THE AN AT)AN STATESMAN. ROWMANVILE. ONTARIO 'AUEL TWL dVL --------. Perment Pasture Program Great Advance in Agriculture While we do not prof ess any great knowledge of the technical side of agriculture, wc do fol- low with great interest the new developments that take place in that field. It has been onc of the prime aims of The Statesman ta include in each issue ail the up- to-date farm news that we can lay hands on, for. we recognize agriculture to be the backbonc of rural communities clear across the the country. One. thing that has impresscd us during the past fcw years is the Permanent Pasture Program. We are told, and quite believe it, that this scheme is the greatest technical advance that has came ta agriculture in several decades. But we are convinced that it has not received the gen- eral publicity which it deserves. In recent releases and state- ments we learn of the experience of prominent farmers who have tried and tested its benefits. One farmer credits his permanent pas- turc with a net return of $80 per acre in increased miik production. Another reports on a 16-acre field which hie divided into four equai plots ta pasture his dairy herd. He had ta cut four acres for hay and clip the other three since his herd of 25 cows could not keep the grass from grawing beyond their needs. He reveals that the field provided 2,499 pas- turc days and his milk returns netted $1,503 for the 99 days' pas- turage. These authenticated reports ap- pear ta prove the case for perm- anent pastures. Many dlaim they can feed double the livestock ov- er the old hit-and-miss, natural grass feed lots.- Farmers with beqf cattle oftcn run shccp in the samne field ta kecp the growth down and prevent dlipping with the mower. The initial cost for seed has probably been a deter- rent in many cases but when it is assured that this initial cost will bc absorbed by incrfased returns in a single scason, the objection is anc of poor economics. Nutri- tive values added ta incrcased cash returns appear ta be the prime factors in this new schcme. Wc are adviscd that full informa- tion on permanent pastures may be had from the local Agricul- tural Representative. In these days when governmcnts are caîl- ing for more food production, we believe they should give more aid in establishing these proved pas- turc projccts. HOW SPUD WAS NAMED "Spud" in common pariance nowadays means a potata, but there was a time two centuries ago when S-P-U-D stood for the Society for the Prevention of Un- wholesome Diet. The society was formed in protest against the in- troduction of potataes into Great Britain. Potatoes were looked up- on as samething unfit for food.- Consumer Section, Marketing Ser- vice, Dominion Department of Agriculture. We might worry less about when aur soldiers are coming home and mare about what they wili find when they get there. ANNIE MARY PARKER On March il there passed ta rest, Annie Mary Parker after an illness of several months. She was of a hame-laving disposition and was in poar health a great deal af the time for some years. She was born in Newcastle in 1868 and spent her girlhaod days there. Then she married Frcderick Wm. Parker who prcdeceased her five ycars ago. She spent 19 years in Darlingtan township and then moved ta Clarke township and livcd east of Newcastle on the Lakeshare until the last five years during which she lived with her daughter, Mrs. Charles Bedwin. The funeral services were held from the Marris Undertaking Chapel by her pastor, Rev. W. Patterson on March 13, wherc a large crowd of neighbors and frîends gathered ta pay their last respects. 'Murviving are two daughters and anc son: Mabel, T'Qrs. Chas. Bedwin, Clarke; Eva, Mrs. Marvin Pratt of Riverhurst, Sask., and Frank of Clarke. Palîbearers were John Hendry, Leslie Allun, Joc Spencer, George Spencer, Ernest Brown, Charlie Bcdwin. The many beautiful flo- ral tributes bespake the estecm of the deceased. She was laid ta rest in Orono cemetery. Friends were present fram Toronto, Oshawa, Bowman- ville and Newcastle, Brown's S.S. and Lakeshore. ANDREW MORROW After a lengthy iilness, there passed away at the home of his daughter, Mrs. Ray Bryson, 211 Fairleigh Ave., South, Hamilton, on Thursday, January 3lst, An- Plant Breeders Triumph Again NJ longer will farmers be obliged to plow under mildew-infected crops of O'barley when seed of the new hybrid created at the Central Experimental Farm, Ottawa, becomes available. Here, anc of the Cereal Division plant breeders examines the new hybrid, highly resistant to mildew. In the fore- ground are pots of the mildew susceptible variety, OAC 21, on which xildew spores are propagated for testing on 700 barley varieties from ail parts of the world. From these, Cereal Division Scientists selected the only two which were resistant and used them as parents of the hybrid in their latest success- fui effort ta benefit growers. This is the saine Division whose development of Marquis wheat an dothler cereals has meant millions of dollars ta farmers. drcw Morrow, in his 86th year. The late Mr. Morrow was born in Manvers Township, in April 1860, and spent his boyhoad days on a farm north of Pantypool. He followed blacksmithing for his profession, learning his trade at Bowmanviile. After completing his apprenticeship he bought a blacksmithing business in Kirby and worked at his profession for 56 years, giving up only when his eyesight failcd him. He taok an active interest in the weifare of the community, and for several years was a trustee of Kirby school board. Many hours were spent in his blacksrnîth shop by neighbors and friends who great- ly enjoyed his company and lis- THE BUSINESS 0F FPLIENDSHIP The happiest business in the world Is that of making friends; And no "învestment" on "the street" Pays larger dividends. For life is more than stocks and bonds, And love, than rate per cent; And he who gives in friendship's name Shahl reap as he has spent. Lif e is the great investment, And no man lives in vain Who guards a hundred frîendships As a miser guards his gain. Then gîve the world a welcome Each day what'er it sends, And may no mortgage e'er fore- close The partnership of friends. -Herbert Sinclair. tened ta his ready wit. He was united in marriage to Miss Victoria Chapman, and from this union three chîldren survive, Florena (Pearl), Mrs. R. Bryson, Hamilton; and Leonard, of Tor- onto. His wife predeceased him some years ago. Two years ago he left for Ham- ilton where he resîded with his daughter, Mrs. R. Bryson. The funeral service was held in Park St. United Church on Sat- urday afternoon, Feb. 2nd, with Rev. S. Littlewood havîng charge of the service at the church and graveside. During the service Miss Stella Best sang, "In the Garden," accompanied by Mrs. R. H. Brown at the organ. Inter- ment was made in Orono cerne- tery. The palîbearers were, Messrs. Cccii Pawers, John Bigelow, Or- al and Percy Chapman, Charles Cooper and Ernest Bryson. W hat's New at Metropoli*tan?7 T HERE ARE manv items of good news for policyholders fiithe 1945 record of the Metropolitan LifiL Insurance Company. Payments t'O policyholders and their bene- f iciarjàs in Canada and the United States reach- 0d'à new ail-time high of $623,000,000. Mortal- ity among policyholders, excluding war deaths, was the lowest on record. The yield on the Company's investments followed the general trend and declined somewhat. The Company had asset gains which made it possible to revise policy and annuity reserves so as to reflect lower interest earnings. Scales of dividends to policyholders were maintained, and in some cases slightly increased. Unassigned surplus funds at the year end amounted to $448,600,000. In addition the Com- pany had special surplus funds of $ 109,400,000, of which $95,100,000 represented a special reserve for possible loss or fluctuation in the value ofinvestments and $14,300,000 a Group Insurance reserve for epidemics, etc. These funds represent an extra cushion of safety for policyholders. In its report to policyholders in Canada and the United States for 1945, Metropolitan pro- vides answers to many of the questions a policy- holder would be likely to ask if he could make a personal visit to the .Company. Among ques- tions answered, for example, are .. BUSINESS REPORT FOR 1945 OBLIGATIONS TO POLUCYHOLDERS, BENEFICIARIES, AND OTHERS Policy Reserves Required by Law .:* This amount, together with future premiums and intcrest, - is rcquired ta assure payment of ail future policy benefits. Policy Proceeds and Dividends HeId at Interest... .. .. . ...... These are funds lef t with the Company ta be paid i the future. Reserved for Dividends to Policyholders Set aside for payment in 1946 ta those policy- holders eligible ta receive theni. Other Policy Obligations.... .. .. Clairns in process of seulement, estimated dlaims not yet reported, premiunis received in advance, etc. Taxes Accrued... .. ... .... Includes estimated amount of taxes payable in 1946 on the business of 1945. Contingency Reserve for Mortgage Loans. Miscellaneous Liablilities. .... TOTAL OBLIGATIONS $6,400,802,374.47 342,073,866.83 123,338,706.00 67,108,358.06 20,019,592.00 21,000,000.00 29,587,557.57 $7,003,930,454.93 ASSETS WHICH ASSURE FULFILMENT 0F $3,90 1,918,692.03 1,729,338,186.57 OBLIGATIONS Government Securities Canadian and United States. Other Bonds . Provincial, State, and Municipal.. Railroad..... .. ... Public Utilities .... Industrial and Miscellaneous $92,780,754.21 584,361,368.30 656,189,313-34 396,006,750.12 Stocks ......... AIl but $4,076,225.49 are Prcferred or Guaranteed. First Mortgage Loans on Real Estate Fams..................$86,606,570.02 Other Property . . . . 783,756,984.75 Loans on Policies.......... Made ta policyholders on the security of their policies. Real Estate Owned...... .. .. Inclûties $39,300,334.74 real estate under con- tract of sale and $147,436,299.08 Housing Projects and real estate for Company use. Cash........... . Deposited in banks, in transit, ôr on band. Other Assets............. Premiums due and deferred, interest and rents due and accrued, etc. 114,550,034.03 870,363,554.77 343,512,038-44 259,557,120.46 175,687,154.11 167,070,489.96 TOTAL ASSETS TO MEET OBLIGATIONS $7,561,997,270.37 Thus, Assets exceed Obligations by $558,066,8 15.44. This safety fund, representing about 8% of the obligations, serves as a cushion against possible unfavourable experience and gives extra assurance that ail policy benefits wil be paid in full as tbey fali due. This fund is made up of: A Special Surplus Fund (including $95,112,000.00 for possible loss or fluctuation in the value of investments) $109,422,00.00 Unassigned Funds (Surplus)...... .... .... .. ... . .... .. .. ... .... .... ....448,644,815.44 NOTE: -Assets carried at $360,747,351.78 ln the above statement are deposited with various public officials under require- ments of Iaw or regulatory autho ihy. Canadian business embraced in this statement is reported on basis of par of exchange. HIGHLIGHTS 0F 1945 OPERATIONS LIfe Insuranoe In Force, End of 1M45. . $31,261,969,317- PaId-for Life Insurance Issud Durlng 1945.. $2,143,423,150 Amount Nild to Poikeyholders Durlng 194 . . . $623,443,185.86 Metropolitan Life Insurance Company (A MUTUAL COMPANY) VIIMDERICK H. ECKER HOME OFFICE: NEW YORK LEROY A. LINCOLN Càairutm of ibe Bovd Presidens CANADIAN HEAD OFFICE: OTTAWA IEDWIN C. McDONALD, Vice-President in Charge Were there many extra claim payments Iast, year due to the war ? Would longer life for policyholders reduce the cost of Life insurance ? In what types of investments did the Company put its money ? In addition to answering these and many other questions, the report gives a f inatiaal summary of the Company's operations during 1945. Whether or not you are a policyholder, you will f ind this report interesting and informative. To get a copy, just write to the Canadian Head Office, Ottawa, and ask for the Company's annual report entitled, "What's New At Metropolitan?" SOME FACTS ABOUT METROPOLITANS OPERATIONS IN CANADA New Life Insurance issued In1945, Canadians from ail walks of life took out $ 172,446,469 of Life insurance with the Metropolitan. Life Insurance in Force At the end of 1945, a total of $1,775,471,638 Metro- politan protection was owned in Canada by 2,300,000 policyholders. 0f this amount, 57%/ is owncd by Ordinary policyholders, 9% by Group policyholders and 34%/, by Industrial policyholders. Total Investments in Canada The Company's total investments in Canada amnounted to $425,255,484 at the end of 1945. 0f this arnount, 49%/ is in Canadian War and Victory Bonds. Other investments are in provincial and municipal bonds, securities of railroads, industrial plants, public util- M ities and mortgages. Payments to Policyholders and Benef iciaries Metropolitan p aid out in 1945 to its Canadian policy- holders and their beneficiaries $32,328,059 in death dlaims, matured policies, dividends and other pay- ments. 0f this amount, 66%/ was paid to.living policy- :g holders. Health and Welfare Work During 1945, a total of 219,299 nursing visits were made to Industrial and Group-insured Metropolitan policyholders in Canada. In addition, over 13/4 mil- lion pamphlets on health and safety were distributed ! by Agents last year. The total amount the Metropolitan has paid fa Canadians since if entered Canada in 1872, plus the amount now invested in Canada, exceeds the total premiums received! frorn Canadians by more thon $270,000,000. METRO PO LITAN LIFE CONTINUES PROGRESS IN 1945 Ottawa, March 18-The payinent during 1945 of a total a1 $623,443,186 ta its policyholders ini Canada and the United States markcd the largest sum paid in any anc year by the Metropolitan I.fe Insurance Company ta living policyholders and their benefi- ciaries, according ta the Company's Annual Statement released today. Sales during the year of new paid-for life insuraflce increascd over the previous year and totalled $2,143,423 150. The Company's Life insurnce in force bas now rcached the total of $31,261,969,317. In addition the Company has Accident and Health insurance in force pro- viding a principal sum benefit of $1,819,363,031 and a weekly in- demnity af $29,408,941. Scales of dividends ta ýpolicyhold- crs have been maintained, the re- port points out, and in some cases have been slightly increased. Set aside for dividend payments in 1946 was an amount of $123,338,706. An extra cushion of safety ta policyhalders is represented by unassigned surplus funds of $448,644,815, and a special reserve of $109,422,000 for a passible loss or fluctuation in the value of in- vestinents. EDWIN C. McDONALD Vice-President in. Charge of the Canadian. Head Office, ivho reports a total of $425,255,484 invested in. Canada by the Metropolitan Lif e Insu'rance Company at the end of 1945. Concerning the operations of the Company in Canada, the report shows life insurance in force here of $1,775,471,638 owned by almost 2,300,000 policyholders in the Dom- inion. It is pointed out by Mr. Me- Donald that approximately anc out of every five persans in Canada is insured with the Metropolitan. Mr. McDonald directed attention to the fact that the total amount the Metropolitan bas paid to Canadians since it entered Canada in 1872, plus the amount now in- vested in Canada, cxceeds the total preniums received from Canadians by more than $ 270,000,000. If a family has a child of school age chances are it gears its early evening routine around a study hour, while the homework gets done. The radio is turned low, and the whole family concen- trates on seeing that the studying cornes in for as littie interference as possible. In order to do his best home- work, the student needs one cer- tain spot in the house with a com- fortable chair and a good light. 0f course, a desk with a good stu- dent lamp in his own quiet room would be the ideal place to study. But lackying that, any interested parent can find two or three other good study spots in the home that will do about as well. The dining room table offers a fine broad surface for spreading out books and papers, but not al dining room fixtures were design- ed ta give good light for study- ing. Sa just pull up a good floor lamp, or a swing arm bridge lamp while Junior wrestles with his algebra. Maybe the table in the dinette would be most convenient for the young student ta use regularly. Here the question of good lighting LIE99<an Begi. ATIR 40,911.. Arcund 40 Our energy lessens. But, ez. perience bas taugbt us to do car work with lsa effort. The years abead should yield the. greateat accomplisbinents, the nicat enjcymfent and bappiness. Tbey can, toc, if we avoid the kidney and bladder disorders such as; Back- ache, Headache, Rheurnatic Pains, Lassitude, Lois cf Sleep and Energy wbicb mco ten attack those around 40. For over bal a century Dodd's Kidney Pilla have been helikg men and women to keep kidneys and bladder in good order. If you are nearing 40, or past it, for the salie of your bealth and a bappier biture use Dodd'à Kidney Pille todayl 12& THURSDAY, MARCH. 2lst, 1946 WHEAT SHORTAGE To meet the urgency of the world-wheat situation, most coun- tries with substantial surpluses for export have applied, or are in the process of applying, var- ious programs and controls de- signcd to increase the total sup- plies of wheat moving into export channels, states the Canadian Monthly Review of the Wheat Si- tuation for Fcbruary. Canada's commitmeflts are now on such a level th at domestic consumption, at least for livestock feed, must be curtailed. In addition, if al stocks at. the end of the curet crop year will be reduced ta the bare minimum needed ta take, care of requirements until the 'I. new crop is harvested. In anticipation of continued shortagés beyond the end of the crop year, the United States and Australia have announced increa- ses in their production goals for the next crop year. To assist in an equitable distribution of the scarce supply of wheat, the Un- ited Kingdom has voluntarily re- duced her import requirements s0 that more wheat may be dir- ected ta the areas now undergo- ing famine or near famine con- ditions. In addition, the United Kingdom's flour extraction rate is gradually being raised to 85 per cent. Canada's remaining supplies of wheat, as at January 31, 1946, will be the major limîting factor in the amount which she can af- ford ta send ta the needy countries of the «world during the last haîf of the present crop year. Since August, 1945, every transport, el- evator and mili facility has been worked ta the limit of capacity ta clear wheat and wheat flour to> overseas destinations at the mon- thly average rate of approximate- ly 35 million busheis. At the pre- sent time, the United Kingdom has a No. 1 priority on ail Can- adian wheat exports and only af- ter British requirements have been met will other orders be giv- en consideration. WINS SCOUTS' V.C. The Cornweil Badge, the Boy Scouts' V.C., has been awarded by His Exceiiency, the Chief Scout for Canada, ta Scout Ross Brown, 15, of St. John's Troap, Victoria, B.C. Sufferîng from an incur- able disease, Scout Brown is barr- cd from ail activities dear ta the hcart of a normal boy, yet he faces the future with amazing courage and chcerfulness. His one ambition is ta become a King's Scout. Before moving ta Victor- ia he was a Wolf Cub and Scout in Montreal. There neyer did, and neyer wilI. exist anything permarnently no- ble and excellent in the charac- ter which is a stranger ta the ex- ercise of resolute scîf-denial.- Walter Scott. Great is he who cnjoys his carthenware as if it were plate, and not iess great is the man to whom ail his plate is no mare than earthenware.-Leighton. for young eyes can be easily solv- cd hy using a pin-up larnp on the wali. Remember that ta get the amaunt of light he needs, the lamp should be about 24 inches from his work. If you are about ta buy a new lamp for the youngster's table, choose anc at least 28 inches high, which is tall enough ta give a gaod spread of light over the desk. A bowl ta diff use the light and a 100 or 150-watt bulb are the other "musts" in a good study lamp. Remind the student ta pull the lamp up close ta his work, since lighting specialists at Can- adian General Electric have found that rnoving a study lamp only a few inches back fromn the proper position results in a light loss of 50 per cent. FARM CASH INCOME Estimates of farmn cash incarne for 1945 which are placed at 1,- 654 million dollars indicate a slight reductian from the peak of over 1,800 million dollars in 1944. This reduction accurred largely in the returns fromn whcat. On a geographical basis, slight increases are shown for most of the Eastern provinces, while substantial re- ductian occurred in the Prairi&, Provinces. r Four members of the Domninion- Headquarters Staff of the Boy Scouts Association, Ottawa, have,., betwecn them, more than 100 years continuous service with the association. Thcy are: Chief Ex- ecutive Commissioner, John A. Stuces; Editor of Publications, Frank E. L. Coombs; Dominion Quartermaster, George Ferguson, and Accountant, Miss Anna Brown, each having served more than 25 years at Canadian Scout- ing's national headquarters. 5P,-, 1. M-0 Ir Proper Lighting for l-omework 1 . . . . . . . . . . >1 . . . . . . . . . ..... . . . . . . . . . .................... - - - - - - - - - - - - - - ri