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THE CANAflIAN STATESMAN, EOWMA!qVIUZ, 0NTA1~I0 THURSflAY, NOVEMEER 1.1951 insuanc comany How Farm urganizations uperate The Ohio Farmn Bureau put up $10,000 in bonds as security. CI!.ounty farmnbras eeue In S aleof hioBeliedin S rie assales agencies, and the leading lu axa WUUfarmers in each bureau were - named as agents. 0f Articles cy . frederation The response from farmers was ___________immediate. Hundreds of appli- ARTILE o. dro infarn piceswasaccmp-catio'ns poured in, with premniumn ARTCLENo.5 dop n armpries as ccop-cheques attached, even before anied by a rise in the cost of farm rates were set. The Farm Bureau FARMERS START AIN necessities. Desperate for relief, Mutual Automobile Insurance INSURANCE COMPANY, they found it to some extent in a Company was now established. COLUBUS OHI moe b theOhi Far BueauFarmers found that Farm Bureau COLUBUS 0H1 moe b theObl Far Bueauinsurance was costing themn up to (By d. Mllso, Orno) Federation to lower the cost of 40 per cent less than other auto (ByEd.Milson Orno) fertilizer by the pooling of ord- insurance. To some people it sounded ers. The price of fertilizer soon Today Farmn Bureau Insurance crazy. Here was a group of far- dropped. By 1926, they faced a has outgrown three office build- mers out to start an insurance new commun problemr in the high ings, extended into 12 states and company. The farmers them- cost of autôl insurance. extended its coverage to more selves didn't know enough to be Extensive road building follow- than a million people. scared. They knew merely that ing World War I had increased By 1931, it no longer seemed they needed automobile insurance the use of autos and trucks in wise to restrict coverage to farmn at rates they could afford to pay, rural areas. Insurance comp- people; small town folks needed and they had an idea that if thev amies charged farmers the same ail got together and insured rates they did car owners in themselves they could bring the cities, although driving hazards rates within reach. were less in farmn areas. Farmers had flot taken to the Convinced that the need was idea of co-operative action withi great, the Ohio Farmn Bureau Fed- out some persuasion. Individu- eration undertook a study of the alists by nature, they had remain- insurance problemn and propôsed ed skeptical and hesîtant until that the Farm Bureau itself spon- thecrisis of 1920, when a sudde n sor the organization -of such an ATTENTION FARMERS! ký Ed. Millson We are BUYERS of lw 5ot insurneIn 194 th a select-risk basis, to include Red Clover, Alfalfa, Timothy, Alsike, people in the cities as well. Fr lower rates, as they do now, be- cause of their more favorable Mixed Grain, Fali Wheat and risk. Also in 1934, the Auto Conm- pany advanced enough money to start the Farmn Bureau Mutual Fire Insurance Company. In 1936 B uckwneai. the Auto Company bought con- trolling inteuest in the Life In- surance Company of America. If yu hve ay o theaboe tooffr -The three companies were big If yu hve ny f th abve o oferbusiness; annual reports showed that each company was increas- brin a ampl toing its business from 15 to 25 per brin a ampl tocent each year. In 1948, as part of a broad program to streamline operations, officers of the insurance comp- MASTER FEEDSanies gave up their jobs in the 54 Church St. OSHAWA Phone Oshawa 3-2229 Today, although still united by common objectives, the two Farmi Bureaus are independent in man- ________________________________________________ agement. The three companies have shown a growth averagîng 14 per cent every year since 1926. If the trend of the past continues, they can expect to have approx- imately four million policyhoiders iii 'inI1960. Planning has been directed to- ~ê!) ~ ' / \ Lward one purpose-to make sure that the companies keep on serv- BEATR ' U WMANILLDing policyholders. That means, ____________________________________ simply, that the companies are determined to provide the best FIRIDAY -SATUIRDAY NOV. 2-.3 insurance at the lowest possible LPeople have within their own hands the tools to fashion their BIG DOUBLE BILLondsiy** 14 BG AC S * The five articles you have read - on the Screen! while touring Ohio. As I do flot Mi«. profess t eafamrbtmereiy the secretary of a worthy farrn LIO ERO *JACKLp~ organization in Durham County, lethe SPORISMWEN putBE I have tried, without bias to give FRANKIECARLEI And MOICAT. hve endeavoured to convey to WARNER you their farmn organization set-uip BRos and the degree of success deriv- .........ed fromn it. AT A sNext year will likely bring "'NNs pARiCIA SEVe~ more opportunities for Durham IAfl(2A .MEI.PAUDA RKFarmers to survey farm orgyi- MORGANUt1IEILLUUUIIIMsicl\Rv1 ncl na izations in the U.S.A. Firsi Chapt er of Ihai Thriller Breeders - Buyers "Super Man" At Ali-Canadian MONDY - UESAY NV. 5- 6 Holstein Sale M ON AY TUE DAY - NO . 5- 6Jas. T. Brown, Newcastle, pur- FThe bilarious story of Ehý P RDo wd.. his iciotous chased three head at the Ail- Canadian Holstein Sale held in friends ... and his invisible companion l bI Toronto. One of these, Shady bo-h-ro.veetMubrRoh ,-ar-old Baker Montvic Cavalier Nig. Seven head brouglit at least WAANER$2,000 and 21 exceeded $1,000. Ten milking females averaged $1390, 47 bred heifers $748 and four open heifers $862. Eighteen1 Fau head went to U. S. Am In the first six months of 19511 Ottawa had obtained from tax revenes a half billion dollars more than had been required to1 L'E~CIINICOLOR CARTOON i inet goveriamient spendiii., in the 1 Information on Soul Tests Available Front Local Agric._Representative More and more f armers throughout Southern Ontario are realizing the value of a carefully planned cropping program and of course, in this connection they have discovered that plans made well in advance are the most prof itable. Several important points are worth mentioning in this connection and attention is drawn to the fact that alfalfa seed production both in Canada and United States is down somewhat from the last few years. With this situation -it would seem wise to get supplies eanly rather than be disappointed in the spring. The other point concerns the matter of soul tests. Fertilizer purchased on general recommen- dations only does not account for the particular requirements of an individual farm and conse- quently soul tests provide the KENDAL FARM FORUM The first meeting of the Kendal Farm Forum was held at the homea of Mr. Arthur Thompson on Monday night, Oct. 29th. The election of officers was conducted resultingc in Mr. Arthur Thomp- son being named as President; Mr. Art Low, Secretary and Mrs. F. _Stoker, Press Secretary. The sub- ject for this meeting was "Are Co-ops. Efficient?" To the first question "When should a Co- operative be organized in a com- munity?" came the answer "When a unit could give good service to a reasonable number of con- sumers." Question (2) "In setting up a Co-operative, what steps should be taken to ensure suc- cess?" The answer provided was "Proper financing, good adver- tising and management." To the third question "What steps should the members of a Co-operative take if their Co-op. is not giving good service or if it is showing a financial loss?" This was thought to be a subject that would take special knowledge. The hostèss, Mrs. Chas. Thompson, provided a delicious lunch over which a very happy social time was enjoyed. The next meeting, Nov. 5th, will be held at the home of Mr. and Mrs. Roy Mercer. ELIZABETHVILLE FORUM If the numbers at the first meeting and the enthusiasm with which it was carried out are any indication of this year's Forum at Elizabethville, it is off to a good start. The meeting was held at Ken Trew's with 34 adults present. Election of officers was held and the same siate was returned. Morley McAllister was congratu- lated on bis former efforts on behaîf of the Forum, and after some protestation accepted the position of president for another year. The question of co-operatives was discussed, with a great many of the members showing much dissatisfaction with their opera- tion. It was decided that expert advice was necessary before be- ginning a co-operative and that enthusiasm was one of the "ýmusts." In discussing the management of co-operatives it was unani- mously heid that in order to have a successful business, the manager must be carefully chosen and especially well paid - since a co-operative could only be as strong as those who operated it. The evening ended with an excellent lunch. The next meet- ing will be held at Joe Peacock's. NEWTONVILLE FORUM Newtonville Forum met for the first time this term on October 29th at the home of Mr. and Mrs. Wilfrid Wood with 16 members present. The topic being "Are Co-ops. Efficient." The first question for discussion, 'When should a co- operative be organized in a com- munity?" We feit when a com- munity is large enough and bas the feeling they want to support it. 2. In setting up a co-operative, what steps should be taken to ensure its success? We thought it would bc nec- essary to select a reliable man to look after the co-operative and to have substantial financial back- ing. 3. What steps should the mem- bers of a co-operative take if their co-op. is flot giving 'good service or if it is showing financial ioss? We would say a thorough in- vestigation of the directors and their business methods should be undertaken and perhaps a new board appointed. Our meeting closed with lunch and a social haîf hour. Meeting next weck Nov. Sth, at the home of Mr. and Mrs. Gco. Henderson. Topic: "Are Co-ops. Democratic?" PROVIDENCE FORUM Providence Forum met at the home of Mr. and Mrs. Wm. Bragg on Monday evening'" with 16 mem- bers present. We listened to the broadcast as they discussed the question: "Are Co-ops. Efficient?" Wc' think a Co-operative should necessary basis or economnical purchase. Farmers ate urged to have soul tests taken this f ail dur- ing the slack season to ensure bav- ing the necessary information re- garding recommendations f o r spring grown crops. Too often this is put off until about a weék before seeding and at that timc it is impossible to have an an- alysis carried out in time for the current season. Even in slack seasons it requires the better part of two or three weeks to obtain a soul analysis and when every- one has the same idea at the samc time the situation becomes cnit- ical. Soil sample boxes and in- struction for taking samples are available from your local agri- cultural representative who will be pleased to talk over your soul problems with you. fit to themselves than by'private enterprise. A good Co-operative means more competition and may result in business being done at less cost. Any Co-operative must have a good efficient manager and loyal members in order to succeed. . The following are the officers for the coming year: Se'y.-Treas. -Robert Hendry; Recreation Com. -Mr. and Mrs. Luxton, Mr. and Mrs. Gerdon Barrie; Lunch Com. -Mrs. Wm. Bragg, Mrs. Clare Allin. The host and hostess where the meeting is held is to take charge of the meeting. Meeting next Monday evening at the Wight home. S.S. No. 4, DARLINGTON The first meeting of S.S. No. 4 Forum was held on October 29 at the home of Mr. and Mrs. Walter Rundie. Officers elected for the 1951-52 season were as follows: Leader-Mr. Alvin Met-1 caîf; Assistant Leader-Mr. G. A. Peterson; Secretary - Treasurer- Miss Alice Arnold; Assistant Sec- retary - Treasurer- Mrs. Allan Down. The first series of discussions for this year deals with Co- Operatives. This week we con- sidered the question: "Are Co-ops. Efficient?" A Co-operative should be or- ganized in a community when ai definite need exists owing to dis-i satisfaction with existing agenc- ies, and when there are enough co-operatively minded people to support it. 1To ensure the success of a Co-operative the manager and board of Odirectors appointed should be efficient and conscien- tious; members should give full support to the Co-op.; the man- ager should ieport frequently to the board of directors; directors should be changed frequently. If a Co-op. is not giving good service it, is advisable to have an expert from the head office of the Co-operatives investigate the situation. If hie can't determine the cause of difficulty, follow bis advice to make necessery changes, to change to a new line, or to dissolve the Co-op. Our meeting on November 5th will be held at the home of Mr. and Mrs. Charles Osborne. S.S. No. 9, Clarke Mrs. B. Bowen is staying with lier sister, Mrs. E. Stockdale, in Toronto. Mr. Bert Bowen with his sister, Mrs. Alden Gibson, Oshawa. Mr. and Mrs. Bruce McClure, St. Catherines, were weekend guests of lher parents, Mr. and Mrs. Roy BPanch and family. Mr. and Mrs. Tom Tucker, To- ronto, at their home here and called on friends in the commun- ity. John Fisk, Barrie, with Mr. and Mrs. Chas. Fisk and family. We are glad to report Mr. Bob Kent able to be up and about now, after his operation. Mr. and Mrs. Chris. Barchard, Sharon and Honnie, Newcastle, spent Sunday with Mr. and Mrs. John Fisk. Mr. and Mrs. Wally Gibson and family called on Mr. and Mrs. W. Henning and enjoyed a pheasant dinner wîth Mr. and Mrs. Philips, Oshawa, on Sunday. Mr. and Mrs. Bibi Barchard and Lois were guests of Mr. and Mrs'. Jack Rice, April and Kenny, Bowmanville, on Saturday. Due to the teacher being il the school children have had sev- eral days holidays. The Home and School Club en- tertained the members of the School' Board, their' wives, and teachers of the area, last Wed- nesday night. There is to be a Hallowe'en party at the school on Wednesday nighit. Congratulations to Mr. and Mrs. H. Pedwell on the birth of a granddaughter. the daughter of Mr. and Mrs. Stan Rickard, Bar- rie. The granting of land in any province except Quebec no long- er carrnes with it mining nights upon or under such land. In On- tario minerai rights are expressly reserved if they are not to be in- One- Two One- One- One- One- .1951 -1951 11951 .1951 1950 1949 One -1947 One '-1937 MERCURY, New 1 METEORS, New METEOR, Used FORD, Used MORRIS DODGE TRUCK, Ton Stake MERCURY TRUCK, Haîf Ton CHEVROLET, and Others. OPEN EVENINGS THURSDAY TO SATURDAY, NOV. lst, 2nd and 3rd - FOR YOUft CONVENIENCE. * S. S. Morton & Son 95 KING ST. W. BOWMANVILLE c cludecl. "DBEAVER" POWER TOOLS The "BEAVER" Power Tools are designed for maximum efficiency in craft and industrial work . - . present the utmost in fine engineering, workmanship and appearance. They are by far the finest Canadian Power Tools. fiBEAVER " 6" Planer & Jointer "'BEAVER"ý 8"" Circular Saw 2L1 Complete with High Speed Steel Knives and Chip Break- ers. 5/8" Rabbet Depth Cap- acity. Timkin Roller Bearings for easy adjustment. Full 2½," Cut. Tilting Arbor Large Table 18" x 26" This Saw features "the very best in service and satis- faction at a reasonable price. Complete with Rip Fence, Mitre Gauge and Motor Brackct. "'BEAVER" 8"" Heavy Circular Saw The finest 8" Tilt-Arbor Model with huge 22" x24" Table. Full 2 5/8" Cut. All the Deluxe V'eatures that make it Cangda's favorite. Complete with Rip Fence, Mitre Gauge and rce----$1 19.50 Frice __-$74050 Price - -$ 109.50 Price ____$345 "BEAVER' 16" Drill Press Available with 1/2" Jacob's Chuck or No. 2 M.T. Spindie. 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Com- plete with 2", 3", 6", 10" Face Plates, 12" Sanding Dise, 4-step Motor Pulley, 24" Double Tool Rest, Single Tool Rest and 3 Drill Cbuck. Adapters. Price _____$64 50 DON McOREOORý HARDWARE CGN " We Help Make Houses . . . Homes " PHONE 3386 BD WMAN VILLE 59 RING ST. W. PAM -TWELVE F eI' Durham 'County FARM FORUMS Farni Loan Board gage loans up to $5,000 at 4½ per Repots SightDrop cent repaý(able anually or semi- annually over a period flot ex- In Devnand for Loans ceeding 25 Years. The Board rnay make additional advances to The Canadian Farm Loan bring the total loans up to $6,00 Board's 22nd annual report cov- in certain circumstances. Loans ering operatibns for the year en- are made to pay debts, buy live- ded March 31, 1951, has just been stcundeupmn ndfr issued. The Board is a Dominion lands* and to erect and rr Government agency engagea ini buildings and make other <l making long term mortgage loans improvements. to farmers. The report shows a moderate ______________ drop in the demand for loans dur- ing the year, the amount approv- N~T ed being $4,722,000 or 9 per cent NOTICE less than in the previous year We 'Pick up and Pay when the demand reached the Highest Prices for highest point in thirteen years. At the close of the year the Red CIover, toard's investment in farin mortgages had increased by ap- es proximately $2,000,000 to a total iohec of $28,458,000. Collections, which Clean ed or Uneleaned] have been good in recent years See us before you seli continue to be satisfactory. Prof- gnd it on operations was $131,705.21 Stewart's Seeds as co m p a red w ith $ 142 ,428 .4 8 in i B w m av il eP1n 7 the previous year. omnil Phe57 The Board xnakes first mort- Clearance Sale New and Used Cars ai prices you can'f afford fo miss, brade-mns accepfed. TEE CANADIAN STATESMAN, 307nqANVr=, ONTARIO TMMSDAY, NOVEMMER 1. 1051