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THURSDAY, SEPTEMBER 151H, 1938 THE CANADIAN STATESMAN, BOWMANVILLE, ONTARTO PAGE THREE YOUR WOR] (Corý By John9 One of my old-age happinesses 'a quantity of leisure denied to Younger perscons. Young persans have many occupations in their evening hours: they give them- selves largelv to social enjoy- ments, to a variety of recreations, ta church and club and associa- tion svork, ta the obligations af hospitality. ta matoring, ta bridge. ta oi ta the movies, ta the in- du=gnc of hobbies, to the de- mands of home life. Perhaps in my yaunger year: i did flot have full command of my time and activities when the day's wark was done. Now, how- ever, I find myself, in my evening hours, pretty thoroughly out af the mmid, sight and interest af! ai Persans outside the members of family, which means that as frorr 7 p.m. anward - say until Il years ta occupations af many sorts and syhich lcft me a very, nacrosv margin of leisuce - thce sort o! leisure wbich anc uses for tOc readiusg o! eariching books. Zion Mcf. F. B. Glaspel atteuîded To- rotot Exhibitious iithi his slueep aund received his sîsare ai tise prize nnc. He Oas taketi theîîî an ta Lonidoni Fair tlîis xycek. Mc. Tracy Giaspel Oas ceturned haine after exliibitiuîg lus siîeet ait Calîuisiblus. Ohsio. Mca. Fred Cauuscouiat Mcf. Gea. Soîslcv's. Torounto. Miss Jeaut MIcMaster lias ceturned tut Ttronto aftcr liolidaviuig ssith hec ptarents,.Nfc. audt! Mca. J. XW. Mc- Master. Mc. sund Mca. i. W. Balsaut have cetuurîset froîtu visitiuug Mc. aîd NMca. Iuliu Feltaut, Ntorfolk, Virginia. .Mc. snd Mrs. Sautn Frenich and Fav. Torouito, Mliss Betty Rogers, iainiptonu t. SMc. Ruissell Perkins'. Csîutaiuî Archer. saousut!daugliter, L-aura. Bracebcidge. at Mc. A. T. Staiuîtou's. Mc. auîd Mca. J. W. Baisait, Mr. Harvey BalsolauitaS Mc. Howard Faleva., Maple Grave. Mc. sud Mca. Rusacll Staluton and fanils, 1Mrs. Jas. Staiuutous at Mrs. Johnt Staiuton's. Oshiawa. Miss Mariaun Baisous eutertaiuîed the vuuig ipeople ta a weiuiccr oast oui Saturdav' uiglit it being 0cr 18t0 birthday. Mca. Garnet Bickei is very iii with pitui oii. Mr. Jas. Cameraiotuîinueus vecy Snasvgaga ta the famniiv of the late Mca. Jalîi ic til who passed awav aS tOchaihoe af lier daugbter, Mca. A. b. Stauuîtau. oui Suîîday ev- eut uag. Masters Camccauu Staintonan sd Steve Sobil, Misses Lillisuî Bowins, Aihecut Glaspel auud Marguerite bre- s'ai! are stteuîuiig HiglisSchoal at Oshawa. Miss Veluusa Balson is attcnding Salins fi tii cias. Misa Rets Flintaif. Orouto, aS Mc. Wes Camneron's. Mr. Gea. Joli, Dr. and Mca. Cuip, Bell Mjiî\r. Et!. Lathanguie, Beth- Mn... \r. andi Mrs. \\Wliir Vaîce and Shirley, Purplc Hill, ith Mr. and :Mrs. J iL.armner. ..M\rs. Jiiii Larnier withi friends in Toronto. aine campeting, Haccy Kennedy, I Cavan, xvas second.t Ia the Secd and Root Judging i with close ta sixty competiag, the boys staod, Wm. Rowland, ist,i Garnet Riekard, 2nd. Harry Ken- t, nedy 8th. and Fred Martin, Hamp-( ton, ltb. t Township Council. CARTWRIGHT COUNCIL a - GETTI NG9 Reguhar meeting o! Cartwright Council was held Sept. 5, 1938, A TOOTH * witls membersalal present and YOUR BABY must "get atooth". But Reeve C. P. Devitt pcesiding. he need nat get a fever with it. Communication from W o r k- If baby's mother is wise be wan't. men's Compensation Board was Here is what one wise mother, Mca rceceived and fihed. Archie Begbîe, of Consecon, bas Sa say: E. A. Sumnmers advised counicil "We have not hast ane night's rest that a short course wouhd be beld througb teething as 1 aiways use my aid in Bhackstock in January if they standby, Baby's Own Tabiets. They cauhd get use a! hall. Granted. are worth their weight in goid." Clerk was instrueted to put AndMrs AlredHauerof uelhsame arrear accàunts in the banda Ont., s"y: "I have elght children, have ounolcihtoihoapocin.era used Baby's Own Tablets for 21 years, oni ilapitapro and find thema very beneficial during or persans ta keep the Arena in teesiing." proper condition the coming ses- Give these safe, litti e tabiets aSt the son and Cherk ta put up notices first sign of teething fever. Sweet-tasS- cegacding same. Applicants may ing, easy to Sake, prompt in action, yet apphy to any memnber a! Cauncil sale for the moat delicate baby. Ana- 'or Cherk for information. iyst's certificate in every package. Orders signed as fohhows: Effective ie Constipation, Simple R. Brown, cutting grass Fever, Diarrboea, Upset Stomnach and weeds ------------ $ 5.00 Coiic, Simple Croup and Fretfulness' Bank o! Commerce, Get a box today. Sickness so 015cm; % on Loan ------ --- 1.0)3 atrikes in te night. ID. Emierson, 2 sbcep kilhed 18.001 Yourmoeeybackfromayourdruggist O. Wrîght, Roads &c. 376r.1 if reSita dont aatisy you. 25 a Councih wihh meet Oco er 3d, a2 p.m. D IEr, W. Beacock, CIerlc. ]Burketon Receuit Visitars: Mc. snd Mca. G. Gartdiner, Ni.aa-oti-tise-iakc, witO Mc. anîd Mca. Ed. Coughi.... Mca. J. Dact, Osawa, with Mca. S. Maf- fat. . . . Mc. and Mca. W. Hoskin, Dacathy auitiElls with Mc. sud Mca. C. Staiîîtaî. Saîtys. . . . Mr. and MIrs. J. McLaughlin witiî Mca. J. Farder. Nestietan. . . . Mrs. D. Kay sud son. Blle, Toroato, witO hec nother, Mcs. C. Sanderson. . . . Mr. and Mrs. T1. Kecun sith their daugh- tec, Mca. L. V«ýnvokanburg, Osh- of the service with a minimum of Mr. . ~Ber Sanderson, Peterboro, moveEVeNIUandU UIdLIUIIwil M. n Mrs. H. Hov 1 recaîl a church in Cleveland. y sg tE uc to r akWrrs- ani Miss- Marion L D A ND MI NE Newly arrived in that city weAn Toronto, 'Miss Reta Swain, >yright) pretentiaus Congregational church A aSt. Thoma.,W. Van Cam. nat far from aur place of resi- J iCfCY Mr- aliti \V. Marlow and fani- C. Kirkwood dence. The ushers wýere vouths ilEwti rt icCi nile in iînifarm. The service sv. as (' i î atin ,lile.Mr ýs o'clack - 1 may use my timie very ther fussy. We found aurselvs1 SCHT ctao ?awîu ' r aiteMas. ao much as 1 choose, and my choice C..T c J, ishinf"\ . n Ms s is ta ead. I arely tun on th samething much simpier.\(iiii.nwiiîîg~ i r7 rs ri o and Ioruaely un oan ciscand so ive found a vcrv small 1ioiit \'tiillaIts il i w. ils 6 t 9,îniî'1)i ir ado, ndforuntel n on eseBaptist church whose minister i h a) hw il o9iiIti i- in aur home likes radio better xvas a medical student preparing Eyesight ohli ii a cla-. of 70 at the Caniadiati -than I do. himseif for missionary, service. Specialist Nati.,m -l hîhttlon. s, Radio ta me is a distraction - an There we found bath 'the spirit~ t Sel. tO7piin ofe Stoluffsille -intrusion on my peace. I do flot and the atmasphcrc acceptable ta Disney Bidg<ifuatt. tlhlan -v-Ne-ticton 14-7. f want ta be entertained by athers us (0lp. P. 0.) Ssnipjatlhs j. CxtCfl(iC<ta Mr. C. - b oher wo trut tem~l1e~ When I lived in London, Eng- Oshawa, Phone 1516 Bt. ntepîsîgfO rtr on my attention by others' wil.I]adIwent ~a fcw times - be-_____jack atT -very much prefer ta choose my - cause it svas near aur home - ta Nier50.r. N. Tavittr anti sonl5s won s5ev( self those whose company or con- what was said ta be the richcst, Nube 5 ri7es S t tlie-Canadýi(iai National Ex- -s versation or entertainment I want. most fashionable and most '-intel- We have but ta look at the ljiitiI1. f and *in my awn case I find the lectual" Presbytecian church in achievements o hs h tu- 'c(I ecompanionship and entertainment Greater London. It was ab]e ta gled against oft hsedihas t- ll have reopcnled in Cact- 1mast liked by me in books and have a fine preacher. Yet 1 found attain their success and we must swriglit andti so changes have been erwriters. mae'.Ir M. Thea. MeMulien, Ux- their mysei disnclind tathis edifice and congregatian un- wonder how very great an effort brle ' tkn M.C iisi' f I find msl iicie attractive ta me regarded from was theirs.bridge, s takDeMr. C.oci, and Mr. iwrite evenings. This is under- the viewpoint of worship. Much The histary of some of the great Ros Hillgartner is taking Mr. Robt. Ifstandable, for my day's work is better liked was another Presby- men of the past shows that someWadîs lcinte ihSho. twriting. My desire for conversa- terian Church at Kingston-on- were blind, Milton for example. Walrs R J.rce ithrented Sherl tion is indulged at midday - in Thames, where the morning con- We have in aur day men we have facm R ta rueba ene le restaurants, and when 1 have eall- gregation rarely exceeded 50 per- known persanally who have ac- fa Mte'\r. and i Mrs. L. HvIand. ers - which is nat very aften. As sans. camplished much in spite o! this Mrs. .Albert Werrsv and Mc. Hosv- one graws aider, bis contacts What I want, when I go ta handicap. Some of these have ard l3ailev are bath quite iii. with athers tend ta grow fewer.j church, is not sensuaus pleasure struggled with this effort since For anc thing, one's preferences l- the pleasure o! a costly edifice. childhood and we know they must are for the society o! persans of a rich interior, a pampous service, have missed much o! the joy that Cadmus equai or near equai age, and per- and highly paid singers. My want was ours. sons o! my age likewise prefer ta is a dowýNnright good sermon weli- Civilization with its many iffi- remain in their place a! peace and preached. I do nat like sermons provements over the past, with its Mýr. Melville Wright is Ieaving rest. which are pranounicediy evangel- isteady pragress. keeps attacking, 'Mr. lamnes Ginnos farni and is mov- F'or another, aid people become ical in their character: nor do I keeps creating nesv tasks for aur ing to a farm near Janetviile. Mý 1r. inereasintly less interesting ta want what may be callcd exegeti- vision and we must a! necessity T. Samielîs Oas rented Mr. J. Ginn*s others. They lack the freshness cal or theologi cal sermans. Quite keep up a steady figbt ta retaîn îar,îî. Mr. Argue is ieaving the of mind, the contagiaus vitality. de!initely I like an intellectual and ta improve our vision. While îtgmr farni ta takc charge the inquisitive interest in life. sermon. yet one which is "rclig- lit is t rue that we do not give afIlis; fathers farni tiocth af Janet- wbich are characteristie of young ious' fram first to last. I want milch attention ta aur eyes unless ville.' McI. Ed. Hanna iii vork the persans and persans in their mid- the preacher to tell us ail how to 'nature or accidents compel us. In' dl er.Old people are back- lise in these verxy difficuit times -:sieothsutsopadhikMonmtgofliecv farni. M Sain Hv- %adloing rather than !orward ta live in accordance with the 'what is the vaue o vision ta iuan( has rented MIrs. R. Bruces looking, and it is forward-looking great eommandmcnts of the Scrip- cnine)farin. persans wham the world finds turcs. I want the preacher ta, up- (ta be cniud Mr. anid M Gea. Fowler, Helin exhilarating. li!t me spiritually, ta strcngthen Fo\ssier. Eiva Capstick and Gilbert J C K my faith in God and in the hece- Torontto, 'Mr. and i Mrs. Everett El - Fowl*er meotored ta, Oriliia. Oldr eole ir esil, ndsoafter. K liett anti Mary. Oshawa, at Mr. N. Hele Fosyler obtained standing in Ole epetr afy n oJCKLeach's. Upp)er Sechool eBtanv, Zoology and they shun contacts wth those I have been reading a book Mcr. A. Abrahiam. Brookli,î, at Mr. Compo-sition at a Summer Course at wbo make large demands on called "The Eternal Gospel" by la.Caeons idlatnd. them - demands o! the mi, the Rufus M. Jones. The book is e s- fs anrns eaepesdt ecm emotions, on physical strength. sentiaîîv anc for preachers. As I \.A. met at Mrs. Jesse Arnott's John Marc hme a tra eomen-r Thus. in my own case thece is a read artd re-read it, I found nu-f Wednecsdav witlî a ceai good attend- edJo itwM cechomeliter a enthe n s- certain -preacher whom I do not meraus themes for sermons - sec- suce. Arrangements sycce matie force vstwthle rohrii ak want ta hear often. He is rightly mons of the kind whicb would a roast fassi supper ini October. Mcs.acîsaî light o! a nin eahers. He appeal ta me - sermons based o n rttt sud hec gcoup, 'Mcs. W. Mc.. A. Wolf e is iniipcoving aftec reigarded Cabing in he rst eRchil ý rs usl tina iner epecveatioui in a Toronto Has- tingles with physical and emo - the Seriptures of the Old and the qRackhaun c. RssifSait t ladi x)ctdhm o tioalvitliy.Histbughs reNew Testaments. Thus, by wav 's~sdlnh ua udu xetdhm o igh ab iaey.H thos a! the arinof example, these themes: Mc. and Mc\Is. Blake Oke, Couctice, highaboe thse f th ma in A series of sermons on haw at Mc. Jesse Arnott's. the street. When he preaches, he God revealed himself ta man - ta c.Js tino.Ms rc DURHAM COUNY maesbav dmnd o hoethe patriacchs and the prophets. Staintoln at 'Mcs. Fred Hrig', GIRLS AND BOYS hearing him. 1 find that he ex- hHacdungst piita Ohaa hausts me - by the very exce- Temebir dt !geatsir sgiuliia C. N.E. WINNERS lence of bis preaching. mavcemet nd te sinf- Mc. Freti Martin at Toronto. ____ Then, toa, this preacher's ways The significance a! Jacob; a! September 7th was Agrîcultur- consume me. He enters the Job. ' ~ ~ai Day at the C.N.E., and a spec- church auditorium on Sundays The mystery o! iniquity. Bl ackistocii iai feature was the campetîtion un aiong wîtb the choir, wbîch en- The develapment o! the insti-____ Home Economues for the girls and ters singing. He takes bis place tution known as the Church. Live Stock and Seed for the boys. at what I suppose may be called Interpretatians o! the Books o! Recent Visitors: Mc. and Mcs. C. The girls' team in Nutrition the "reading desk." Here he con- the Bible. Lambe. Mc. R .G. Lambe, Lindsay, consisting o! Miss Jean Trumpour, duets the firat part o! the service. Stories o! men wha !ound God. Miss Helen Waldon, Messrs Lamne Cavan, Miss Dorothy Armstrong, He ake tb reepton ! te cl- Every man in bis awn genera- Bcadburn and Robert Snmith, To-1 Fraservilie, Miss Amelia Nichais, lections a ceremony. Then he en- tian, finds bimself con!ronted, couto. withiî Mc. anîd Mcs. F. Smith. Part Hope, stood first amangst ters, on the ather side o! tbe plat- scion or late, with the great ques- - - . Miss Jeanî Lixton, Balsam, witb severai County teams. In the in- !arm, the pulpit, and bere he de- tions: Whence did we came? Why 'Miss L. Shawv. . . . Mc. aîd Mcs. J. dividual standing Miss Trumpour livers bis sermon. He leaves the are we bere? Wbere go we? Ev- Latimer, Toronto, Misses J. Caok- was first and Miss Armstrang was cburch auditorium witb the choir, ery man, in bis own generation, man, Veca and Verna Grif fin, Un- eighth. wbicb sings as it retires. is cailed on ta salve the prablemn ion,. witii'Mc. and Mcs. A. Larmer. In the open campetitian in Nu- Now, ail this pracedure bas be- a! bis existence. It is the business . . . MissMraeSctanMc trition anather Durham County came commonplace, and presum- o! preacbing and o! the Cburcb ta B. Hooev with 'L\iss jean Wright. gil. Ms Marion Belcb, Mill-- ably it is approved procedure; yet belp him salve tbis pritn . Miss Ruby Ramsay Rouse and1brook was !irst, with.Miss Ruby tbe pomp, ta caîl it Sa, I do flot probiem. Mc. L. Gibsoni.Toronta, witilîMc. Fallis, Miilbrook, sixth. These greatiy like. I much prefer the J C K and Nirs. W. Taylor. . . . Mc. andi two girls stood second as a dem- old-fasbioned way - the entrance As we graw older, aur literary Mcs. Rutiedge have Letucned to, onstration teamn in nutrition. o! tbe minister from bis vestry ta interest is towacd biagraphy - ta- Bancroft aftec visitinz their daugh- Much credit for the splendid a single pulpit, and the conduet ward the stories o! men and baw f dM . work dane by these girls is due they iived in youtb, la middle life ters. . £c. and NIs. 0. Wright Muss Greta Pollard, Bowmanviile, and in old age; o! wbat they with 'Mc. and Mlrs. J' W. Bradbucn. who is in charge o! girls' work in achieved and learned; a! theur * \I r. and McaIr. Gordotn Strang several counties. Hawever, the worthhilecontributions ta the and famiiy witii hec mother, Mrs. R. lexcellent resuits could 'fot be ac- wortbileofohes J. Bruce. Cadmus. . isses Gwel- I compiisbed witbout the several Life fac ageing persans be- da arîd Ilene Johnsoni with Mr. and senior Women's Institutes and la- M ILLINERY cames mare reflective than ac- Mca. G. Johinson. . . . Mcl. andi Mca. 1cal leaders ta, organize and coachi tive, and 50 ageing persans want Hcuîrv Grahasm anîd Verna, Toronto, the different groups a! girls. We Is In Stock mare leisure - more selfisb leisure sith. relatives .. . . . Mr. and Mcs. hope every Institute in the Coun- - and happy and blessed are tbey Harr\ Larmer, South Moutaglian, ty will organize a group this Fal wbo bave the love o! books whicb Mc. Gordonu Beech, Haydon, with or next Spring.1 instruct the mi, !eed the soul, Mr. ant .IrMc. A. Larnier. . . . 'Mcs. In the individual live stock1 $1.98soothe tbe spirit, and enlarge un- A~. W. Staples, Mc. E. Staples of judging the boys made a crediblei $ . 8derstanding. t nibl htFleetwood. Nrs. \W. Pattersonl, Te- showng.I wn udigwt season's newest shapes, I bave almoat ahl my evenings antiNMrs. laines Stewart. Betty andt standing was, Garnet Riekard, feather and veil trims. frcee, ta read and cefleet. Prob- Dttnald. .\V Hutcîîisauî Peter- Bawmanville, firat, Wm. Row-t ly smart numbers - Worth ably these eveninga o! leisuce are îî,ro, witlî Mr. anîd \cs.Hecm'auî land, Newcastle, second ,and Ell- t g. Colors are B i a c k, a praper compensation for the aanelssd Mc. anti Mca. C. \V il-w'oad Gray, Part Hope, l4tb. 1 - ..eveninga given gencrously in past -N. Mc.R. Bl n Ms er nSepjdigwt hry IA1- _ý- U-Rt ,,1\f ,. - . Sepjdgn ih hry It svas decided ta stage aun Apple Day in the near future. in an effort ta raise f unds foc Scout Work for thue next tweive moatha. This wauld be tOe anlv public appeal ether than thue collection of newspapers, which icets under way immediateiv. The Club wili cecommnilta the Gceuup Committee the appaiuutmnut ai 'Miss Helen Gianville as Acting Ciil)iiiistcess of thc 2nd Pack. It la plannuedti t vs a lads- Cubunistresa ftr a year. bOis lias proveti vecv siccessuui in scores of Packs right scctss Caniada. Sid Cashestrn sud But! Lis me xil remain for some tiionths Nvith the Pack ta assist Mý 1is s Gîsuiville. Arthur Cuilivv iii be tcauîsfcrccd as Assistant afthie First Pack. Johun Grahiaum roop Leader af tue 2uîd bcoep will be receunmeuîded for protmotion ta Assistatnt Scout- uiaster. anti Bud Living xiii relia- cuuislî lus 1)055 as bcoap Leader ai the First Tcoap, ta hold office as Assistanut Cubmaster. bTe autuual cantest. tise prize for syhiciî is attendance aS a National League Hockey Game ivili get under wsy imunediately, and the gamne wil bc wituessed early ia December. It is lîoped ta stage thie Camp .\kela Reunion early in October, and fucther details wili be made public Ister. Ouîly those who attended Camp Akela ivili be able to attend, itn ad- ditioun ta the leaders. bise next meeting of tOe Scooters' Club ivili 0e oui Suaday, October 2, auîd Assistant Cubmaster Bill James has invited the group ta meet at bis home. Obituary Mrs. J. H. Truil, Zion Phoebe Maria Clarke, wi!e a! the late J. H. Truil, a. well-known resident o! Darlington township, died on Sunday, Sept. il, at the home o! ber son-in-Iaw, A. T. Stainton, Zion, in ber 84tb year. The late Mrs. Trul was born on hec parents' !arma at Hampton. She was married 60 years ago and resided there until retiring !romn the farm about 16 years ago whcn they moved ta Bowman- ville. Fohlowing ber husband's deat in 1929, Mca. Truhi bas re- sded with ber daughters in Dar- lingtn, Oshawa and Toronto. Tise ChIarke- family are one o! the oldest residents o! the district, haviusg came into the section as United Empire Loyalists and took Up land firsI along thse lake shore. Her father operated a black- smith sbop and was the district preacher, firat in thse Bible Chris- tan church, and later as a Metb- odist a!ter tise union with tbat body. Hec brother, S a m u e 1 Clarke, servcd as provincial mem- ber in tOe Ontario bouse for Nor- thumberland County for a num- ber o! ycacs. Nine daughters wece bora ta M.r. and Mca. Truli, with six o! them stili living. These arc Alma (Mrs. A. T. Stainton), Darling- toa; Mary (Mrs. A. A. Ayre), at H{ampton; Elizabeth (Mca. Edgar), Oshawa; Nora (Mca. W. Gadwehi), Toronto); Mca. Meta Richards, Oshawa; and Audrey (Mca. Lavis) of Wbitby. The funeral service was held ruesday, with Rev. W. Rackham of the Unitcd Churcb in charge. Enterment Union Ccmetery at Oshawa. Charles F. Cornisit, Oshawa Foliawing an ilînesa a! a ycar and a bai!, Charles Franklin Cor- nisb, huaband o! Ada Luehia Hall, passcd away at bis home, 179 Centre Street, Oshawa, Sept. 8th. He waa bora nortb o! Bowman- ville on Juiy 4, 1874, and came ta Oshawa 45 years ago. His par- ents were the hate Daniel- Cornisb and Mary Davey. He waa married ta Ada Luchla Hall about tbirty- six ycara ago. Mr. Cornish was a member o! the United Cburch and was em- pioyed by Gencral Motora pre- viaus ta bis illnesa. He is survived by bis wife and six cbildrcn, ahh a! Oshawa: George, Oswahd, Edmund, Don- ald, Roy and Mca. Rupert Ed- wacds (Flassie). There are also seven sisters, Mca. John Heacd, Mca. Thomas Newsome, Mca. Frank Hall, Mrs. Charles Rough- hey, alh o! Osbawa, Mca. Samuel Mannell, Locuat Hill, Mca. Wil- liam Poole, Toronto, and Mca. Lewis Newsome, Hilton, N.Y.; ai-1 .w... . Mc. D. Rahm and daughtec, Velma, Saskatoon, with Mca. Sacs WVilsoun. ... Mca. H. Yeiland. Isiing- taut. with lier sister, Mca. J. Short- cidge. . . . Messrs Euact Bceck, Lea MaffiaSaud Harcy Strutt bave ce- turiied f rom their trip ta Delhi. Be sure ta attend Rally Day ser- vice on Suaday. Mr. T. Baiicy is impraving niceiy aftec a severe attack af pacumania. Weddiniz beils are ringiuîg. A FEW CANDID WORDS ABOUT BANK EARNINGS * * Whcn business falis off or prices slump, businessmen bar- row lesa maney. A given'-vol- ume of business is bandbed'on less money, too. It would take $150,000 ta bandle 100,000 bushels wben wbeat is at $1.50 per bushel, but only $ 100,000 ta handle the same volume when the price is,$ 1.00 a bushel. When ordinary boans are flot in demand, nloney, instead of lying idle in the banks, finds in- vestment in -Government bonds. These earn substantially less than ordinary boans. Very obviausly bankers would prefer commercial boans. Money invested in Govern- ment bonds is, however, just as mucb a boan for the Govern- ment's purposes as a loan toaa fame s a credit for bis pur. poses. In 1937 the average of bank boans and investments combined was $2,158,000,000; in 1929, $1,841,000,000. Thus bank credit in Canada was aetually greater in 1937 by $317,000,000 than in the same period of 1929, the boom year. As witb credit, sa witb cash. As of Octaber, 1937, over $ 17,000,000 mare in bank notes were in the bausds of the public than in October of the boom vear 1929. A word witb you about- disri. dends. The Bank Act fixes the par value of bank shares at $100. The average Pirice paid ta banks by the sharebolders wben shares were issued was $165 per share. 0f this, $100 bas gane ta Capital Account, and $65 has been placed in Reserve. Over many years undivided profits, now amounting to $34 pe hrhave been left in the buiesby shareholders and added ta reserve, for the geater security of depositors and note- holders. The average sbarebolder's in- vestment in Canada's.chartered banks now, therefore, amounts ta $199 per share. A dividend of say 8 per cent. on the $100 par value is, in fact, only slightly over four per cent. on the money actually invested, or left with the bank by the share- holder. TUE CHARTERED BANKS 0F CANADA Your local branch bank manager wiIl be glad to talk banking with you. He will be gladto t ansu'er your qitestions from thte atandpoint of his own experien ce. The next article in thia series wvill appear in this newspaper. Watch for it. so one brotber, George, Bowman- ville; and seven grandcbildren. The funeral service waa con- ducted on Saturday a!ternoon from the !amily residence by Rev. W. R. Tanton o! Simcoe Street UJnited Cburcb, witb interment in Use Union Cernetecy. HUMIULITY "My !avoured temple ia a hum- ble heart."-Bailey. "How strangeiy easy difficuit thinga are."-Chas. Buxton. "Humility is Use solid founda- tion of ahi the virtues."-Confus- etaus. "Humility ike darkness, ce- veais Use, heavenhy ligbt."-Thoc- eau. "They that know God will be humble."-Flavel. DIFFICULTIES "Difficulties are thinga wbich show what men are."-Epectjtus. "The great diffilculty lies in ig- norance o! what God is."-Mary Baker Eddy. S"The wise and active conquer difficulties, by daring ta attempt them."-Rowe. Dentiste recommend Wrlgley's Qum as an aid to strong, healthy teeth, cleanses them of food par- ticies, massages the gume. Aida di- gestion, relievea atuify feeling after meals. HeIps heep you healthyl Take some home for the children too -they wMl love It!1 c- SCOUT NEWS Thue first fali nmeeting of tue "tz tur..' Clubt was held oui Sutntav ii seaseu w erg tiscusseti. A sui- mact--aofthe Camp expentiituccs ivas ciienl)5vthe Camp Chief, anîd it ivas uleciejulute make tlîe Camip more self suppectiuî ini future c 'ers. This s-car. the large contributuio made by tîhe Retacyv and Lions Clubs sycre thýe higgest factor in tOc Camips finan- cial suiccess. It was decided that in future ahI leaders,' fees would Oc kept in a separate accouaS aad that the maney be used ta purchase tents for the Camp. THIS dis gus ting ENEMY makes housework drudgery Gillett's Lye cuts through grease and fihh... washes dirt away! GILLETT'S Pure Flake Lye makes housework easy. Keepsgarbage pails sanitary. Freetý clogged drain pipes, cleans toilet bowls, whisks grease from dirty pots and pans. Buy a tin of Gillett's Lye today! leve heot wae Te in hot er.Toley action Of the lys it - ____ self heats the water. MADE IN CANADA FREE UOO8LET-Glletts Lye Booklet gives dozens of ways to make housework easler. Write te: Standard Brand@ Ltd.. Fraser Ave. & Lberty St. . Toronto, Ont 1', CHIC FALL In the saine ten years banks paid in taxes ta municipalities $40,831,930; ta provinces $14,- 429,320, and ta the Dominion, $24,027,324, a total of $79,- 288,574. Banks have other conts, too: Rent on premises; stationery and printing; light, water and fuel; contributions ta pensions andgrp insurance for cm- plOYZes. epreciation on build- ings takes a large amount each year. Any money a bank pays- taxes, wages or other costs-can corne only from the bank's re- sources-and must bc paid in cash. No magie can produce it. Banking is not aIf sunshine. It lias its cloudy aspects too. Banks must stand ready ta puy their creditors-the depositors and note-holders - a hundred cents on the dollar; but banks unfortunately cannot alwavýs collect a hiundred cents on thie dollar! They h ave bosses, in- evitablv, and must set aside substantial sums ta meet them. A bank must keep itself in such a cash position as ta bie able ta psy you your deposit whenever you sec fit to with- draw it. Chartered banks arc required by law ta ladge with the Bank of Canada, or hold in Bank of Canada notes, five per cent. of their <epsitors' funds; but, in practice, they always carry about twice that percentage Deposits witb and notes of thc Bank of Canada earn na inter- est for the chartered batiks. It is necessary also ta keep a further amount in short terni investments readily convertible into cash. The yield on such investments is low, firstly, be- cause Treasury Bis and other short terni securities mature at short date; secondly, because- banks havmg no monopoly of money or credît - cash reserves of many industrial concerns compete for this type of in- vestment. Bank earnings depend very IargeIy upon Mans, but a bank can lend only when the customer wants 10 borrow. Ordinary bank boans in 1929 averaged $1,342,000,000; in 1937 only $731,000,000. This with Real seeing ,wn, vvsne, G.reen, etc. Fail Dresses $2n98 Fresh fram the manufacturer are these ncw Fali Dresses. Metal trim and noveity brooches add to their smart styling. VALUES Worth Investigating Thursday - Friday - Saturday - ee Items Not Advertàed ini Our Windows - TERRY TOWIELS PURE LINEN 5 fr $.00TO WELING Size 22 x 4416ys fo $1-0 Flrst, note the generous size, Pure llnen Towelllng at a then investigate the spoligy, real savlng for you. Ap- absorbent qualities of t.hese proximateiy 16 lnches wvlde t o welIs. Coiored borders of wlth coiored border stripe. Rose, Blue, Goid, and Green.1 Stock up and save.* CWALKER STORES, £JMITED Phone 451 Bownxanvlle Immow THE CANADIAN STATESMAN, BOWMANVILLE, ONTARIO PAGE THREE Half of one per cent, a year on total assets is not murh of a profit margin for any business, corporate or individual. Yet that is ell the "'velvet" there is in the business of Canada's chartcred banks. Banks pay interest on personal savings deposits. Thcy charge interest on loans. The differenc'e is flot al "velvet" by any means-for these reasons:a (a) It costs money to operate a bank. (b) The cash reserves beld by the bank earn nothing. (c) A bank must provide for lasses. (d) Éarnings on a great deal of a bank's assets are very Iow. More titan 25,000 people are employed in Canada's banIcs. In the last ten fiscal years Canada's chart- ered bankcs have paid in wages- and salaries, soine $376,000,000 - purchasing power distributed over the Dominion. f41 i i.. i. --t 1r. Jýll 1