THE DA JOHNS-MANVILLE : ASBESTOS . READY ROOFINGS Defy rot, rust, fire and weather. Easy to lay. Never need paint. ALLAN LUMBER CO. Victoria Street. "Phone 1042. -- YOU BUY WHEN! The sxcaptional tone quality in the Weber a Piano appeals to the most ascethetic taste. HEAR FOR YOURSELF AND BE CONVINCEU. AT C. W. LINDSAY'S Warerooms, Princess Street : FOR SALE FRAME HOUSE--86 rooms, 3 bedrooms, lights, gas, 3 piece bath, separate tollet, garage, henhouse. Good 10-- $3,000 A DOUBLE HOUSE--Roughcast, electric light, 3 piece bath, good cellar, garage. Price $3,200 'M. B. TRUMPOUR 'Phone 704 or 2072w . 270 PRINCESS STREET Buckwheat ...... ..$ 9.00 per ton Egg, Stove and Nut . . ... ++ -$16.00 per ton All coal carried 50c. per ton extra. SOWARDS COAL C0. Phone 155 CPTOWN OFFICE: McGALL'S CIGAR STORE. PHONE 811. es 00 Special for Wednesday and Saturday ! FRUIT BREAD Wholewheat Bread Every Day. F. C. HAMBROOK CATERING IN ALL ITS BRANCHES 118 BROCK STREET - - Phone 2519. Have the Hotpoint Electric Goods in your home. We have everything you may need to ring comfort--Irons, Toasters, Heaters, etc. HALLIDAY ELECTRIC CO. PHONE 04. CORNER KING AND PRINCESS STS, KINGSTON has been using Gurd's Beverages for over half a century. } 'GURD'S GURD'S GURD'S . GURD'S GURD'S Ginger Ale, Dry Ginger Ale. Soda Water, Caledonia Water. Apple Flavored Nectar. All of them beverages of distinction Palate pleasing! Thirst Quenching! Delightful! Ask your grocer to send you a supply to-day 'DISTILLED WATER ! ' If you are interested in Distilled Water for personal use or for your Auto Batteries, ask your grocer or garage : druggist, man to get you GURD'S DISTILLED WATER. We have Just in- stalled a wonderful new unit for water : CHARLES GURD & (C0, Limited ------------------ - ILY BRITISH WHIG FIFTIETH ANNUAL The Fiftieth Annual Meeting of the Odd Fellow's Relief Association of Canada was held in Garden Hall, Brock street, Kingston, on Wednes- day, July 23rd. The following repre- sentative Odd Fellows from the dif-. ferent provinces in Canada were in attendance: Alberta--O. E. Tisdale, Crand Secretary, Calgary; J. A. Tully, Cal- Bary. British Columbia--H. Vancouver, Manitoba--W. T| Devlin, Winai- peg: P. M. Thompson, Witnipeg; F. Tweedley, Napinka, M ime Provinces--J. R. Mae. Hepburn, servey, Halifax; J. A. Laidlaw, Hali- fax; J. F. Whear, Charlottetown, PEL Ontario--W. \Brooks, Grand Sec- retary, Toronto; W. 8S. Brown, Pres- cott; C. A. Byam, New Liskeard; R. R. Brett, Essex; E. M. Clapp, To- ronto; Rev. W. Cox, Lakefield; W. A. Dennis, Galt; F. J. Davey, Prescott; G. A. Ferguson, St. Thomas; E. C. Garbutt, Picton; F. J. Hamon, Ot- tawa; J. Inksater, Paris; R. H. Ket- cheson, Belleville; P. McCallum, Al- monte; Dr. J. McLurg, Sault Ste. Marie; W. A. McRoberts, London; W. H. Moss, Dundas; G. F. Norna- bell, Stratford; W. H. Nute, Brock- ville; 8. C. Parks, Toronto; J. A. Pay, St. Catharines; M. T. Pinker- ton, Ottawa; W. H. Poole, Smith's Falls; C. E. Robinson, Brockville; W. J. Ransom, Dickinson's Landing; I. N. Smith, Parham; R. H. Spencer, Trenton; J. Square, Lyn; William Skelton, Ottawa; O. L. Stewart, To- ronto; J. R. Thomson, Windsor, Quebec--Rev, H. Charters, Grand Master, Sutton, Que.; T. J. Potter, Grand Secretary, Montreal; F. P. Houllhan, Sherbrooke; W. McDon- ald; Montreal; A. Philps, Ilunting- don; R. Gilbert, Montreal. Saskatchewan--F. D. Gray, Grand Secretary, Regina. Kingston members--O. V, Bar tels, W. Hipson, A. W. Cathcart, B. J. Hartrick, R. D. Sloan, A. C. Single- ton, B. O. Whitney, J. G. Cruse, R. J. Diack, W. J. C. Allen, Directors--Dr. J. C. Connell, pre- sident; J. Powley, vice-president, To- ronto; Dr. P. T. Coupland, St. Marys, Ont.; L. B. Cooper, Belleville, Ont,; J. A./Minnes, W. Mundell, C. C. Fol- ger and W. Jackson, Kingston, { Officers--John Nicolle, and J. G. Bttinger, auditors; J. M. Farrell, solicitor; Dr. A. E. Ross, medical examiner; F. H. Rutherford, account- ant; F. 8. Evanson, secretary-treas- urer. President's Address. As a result of the honor conferre! upon me a year ago by your Board of Directors 1 find myself to-day in an exceedingly difficult position. The honor is tempered by a sense of obli- gation and responsibility. To-day I have to call upon you to rejoice and be glad, to celebrate the completion of fifty years in the life of the As- sotiation, fifty years of honorable service. At the same time I am forced to ask you to act upon pro- posals which materially affect a large proportion of our membership. Fifty years ago a group of Odd- fellows in _ this city conceived fhe idea that their full duty to ewch other wag not terminated by the pay- ment of sick and funeral benefits, but involved further financial assist. ance to the dependents of those who passed away. To make such a pro- vision did not appear to be possible within the terms of ordinary Odd- fellowship. At first a collection was taken for the benefit of the widow and children, then an assessment was made upon the death of a member, and this led to the formation of an organization and the Incorporation of this Association, ~. We will do well to call the roll of the founders at this time that their names may be held in remem- brance; Fife Fowler, Simon Obern- dorffer, Daniel Callahan, William D. Gordon, James D. Thompson, Joseph Jarvis, Thomas C. Wilson, John B. Mclver, Alexander Smith, John F. Porter, Zachariah Guy. Of these Dr. Jarvis is still living, the only sur- vivor of 'the 564 wha joined in the first year, Fife Fowlér was the first president, u position he retained tiil bis death in 1902. Since his time the line 'of presidents runs: Robert Elliott, D. M. McIntyre, James A. Minnes, W. ¥, Nickle. It is Indecd a great honor and responsibility to -| follow in this line. Another name to be held in kindly remem at this moment is that of Robert Meek. | In all the history of the Association Bo one contributed quite so much as Robert Meek to its progress and prosperity. Fraternal assurance in 1874 geem- { ed to be a simple matter. There was Ho general body of experience to 'guide the.directors in determination of rates. It appeared to be adequate to make a call upon members when - ever funds were required and as they were always able to pay claims as they due and at the end of there iresels Hit i i donald, Sherbrooke, N.S.;: A. F. Mes-, MEETING ODD FELLOWS' RE.IEF ASSOCIATION Te Se lb Beneficiaries of About 5,500 Members. Century of Honorable Service Have Paid to the tc be studied scientihcally, in the light of gradually accumulating ex- perience of companies and fraterna. associations, it became evident that those engaged in fraternal insurance had underestimated future Habilities | Ji and that rates being collected from members were not enough to provide that claims of survivors over a long period should be paid as well as those that came due from year to year. To remedy this defect in our Association various efforts have been made, ' A All Claims Pai. Throughout the fifty years all claims have been paid promptly, all monies have been so carefully invest- ed that there are no losses on record, and the management expenses have been relatively low. Over seven mil- lion dollars have been paid to the beneficlaries of about' five thousand five hundred Odd Fellows. The re- serve fund is now over three million dollars and the annual interest from the investments about one hundred and fifty thousand dollars. The pre- sent membership is between 21,000 and 22,000. The total Insiirance liability ' is approximately $25,000,- 000. There is everything in this his- tory of the Association to make us grateful to those who have managed its affairs; nothing that requires apology or defence. Your directors have been constantly on the alerc and have never lost sight of the one weak point in the organization-- that of rates Inadequate to provide for future liabilities, Most ofythose who are here to-day were present in 1918 when the last adjustment was mado. Certain amendments were submitted which were the result of reports and ad- vice from experts in insurance, These amendments were of such a nature that their adoption was certain to provide for 211 future contingenties. However they were pot adopted, but in place of them, something was adopted which has provided about one half of what was really required. Five years experience has shown that the actuary was correct in his esti- mates. The present situation is as fol- lows: There are about 17,000 mem- bers who joined the Association prior to 1918. Their insurance is carried independently of those who Joined subsequent to 1918. That is done rot merely by resolutions of the di- rectors, but under the provisions of the insurance law of the Province of Ontario. Within the next fifty years all these 17,000 members will have passed away with the possible excep- tion of a very few. Will there he enough money, under existing con- ditions, to pay the beneficiaries of all those members as the policies be- come due? All have been paid and are being paid now from day to day, but what about the future? Can those who survive till near the end, look forward with confidence that their beneficiaries will also be paid? 'What are the sources of revenue? To the credit of this group of members there fis, first, their portion of the reserve fund, still increasing from year to year, and amounting now to about $2,700,000. There is the interest on this money; there is the amount being paid in premiums trom month to month, about $38,000, enough to cover the current mortal! ity claims and, as indicated, leaving a surplus to add to the reserve fund; and there is a sort of profit from lapses. Against this revenue there is an Insurance liability of about $22. 000,000. Is there any possibility of a balance? No, none whatever. What will happen to this, and it does not require all the knowledge of an actuary to figure it out, approximate- ly at least. The amount of the monthly premiums will gradually de- crease, with lapses and the death of members; the death rate will gradu- ally increase as the members grow older. Comes a day when it is neces. sary to draw from the reserve fund to pay death claims, probably within twenty years of this date; later there is a time when the reserve is exhaust- ed _and only the premiums of the survivors remains as a source bf rey- enue, but these cannot be enough to pay claims as they mature, for then they come rapidly. The final result is that there is no money to pay the last three thousand surviv- ors. That is a true statement of what will happen. It will not avail to ignore the prospect and carry on ac we have been doing. The lofiger remedial action is postponed the heavier wfll be the burden upon those. who survive. Women! Here's Rousing Good News | Tomorrow Only 100 Dotted Swiss Voile, Ratine Dresses French Voile and Gingham Regular to $8.00, for *3.95 These are the most delightful cool Dresses for Summer afternoons and evenings, in Normandy and Swiss Dotted V Ratine and Model Gingham ofles, Dresses. Colors Navy, Rose, Orange and Tangerine. Sizes 16, 18, 20 and 38 only. 117 EXCLUSIVE VOILE FROC Regular up to $16.50. SATURDAY at ' Hand drawn work adorns these better style Dresses for Summer wear--French Vofles, English Volles, Uncrushable Linen, Silk Broadcloths, Novelty Embroideries. $ Colors: Powder Blue, Rose, Navy, Black and White, Sand or all White. The Dresses in this group were: made by Canada's best makers. 7.95 LIMITED ll4 PRINCESS STREET fr eESSss-------we------ CSON-MEITVIER ------------ tion must in the immediate. future become financially sound: We have the assurance of the authorities that upon the adoption of the amend- ments us submitted, the Association at once, automatically becomes sol- vent. This will remove at once and for all future time the uncertainty which has been interfering with the growth in membership and will per- mit our representatives to solicit business on equal terms with com- petitors, As to the method which is recom- mended by your directors that of re- duction in the insurance liability rather than an increase in rates, I have to say that this was determined after long consideration in comsulta- tion with experts in insurance. No doubt there are members who would prefer an {increase in the monthly rate. While this does not meet the approval of the directors as a gen- eral scheme, I am informed that the actuary can see no objection to its application in the cases of individual 'members who have a preference for such a method. You will be given opportunity for full discussion of plang and methods and as we have asked the actuary to be present you may hear him if you so desire, either upon the general scheme to be se- lected or upon the many details in- volved. In any case this must be a mem- crable year for the Association. It closes fifty years of its life; it opens a future cleared of a difficalty which bas menaced dts existence during all that time and its sets free your offic- ers to develop a much larger organiz- ation. The privileges which it will hereafter be ready to offer to Odd Fellows should appeal to as never before and I confidently look forward to a time when all Odd Fellows in Canada will be members of the As- sociation, when the ideals of its founders will be fully realized; when it will supply to all Odd Fellows that which is lacking in ordinary lodge fellowship, * In the meantime while we in our turn have the great respon- sibility of directing its affairs let us be sure that we are influenced omly by ihe general welfare and by the principles of Odd Fellowship. I call upon you to give your best considera- tion to these matters. You age the Association, The directors are your servants and I can Bear testimony to the time and care given by them to the management of your affairs with. out thought of personal advantage. Their motives are not to be called in question for they have constantly in mind the welfare of the Association and the objects for which it was brought into existence. The reports of the general affairs of the atioti_are submitted for your comment and - consideration, We desire ,your 'advice and assisi- ance, | My thanks are due to the execu- tive officers of the Association for many courtésies, anid I'am happy to vouch for their loyalty and devotion to the interests of the Association. It would not be possible to secure a staff more efficient and zealous In your Ini and I commend them to your rt and generosity, i -- General Procea¥ngs. Thé Finance Committee, through their chairman, O. E. Tisdale, Grand Secretary of the Province of Alberta, expressed their entire approval of the satisfactory reports presented by the secretary-treasurer and his fin- ancial statements for the year. These statements showed a surplus in the year's business of $256,880 and made the total assets at June 30th, 1924, $3,030,000. The death claims paid amounted to $363,900, and there remained to the credit of the Mortuary Fund, at June 30th, 1924, $287,000. This amount was author- ized by the finance committee to be transferred to the reserve fund. Mr. Tisdale stated that it would be impossible to estimate the extent of satisfaction, comfort and relief re- sulting from the payment of $7,200.- 000 to the dependent relatives of those members of the Association who have passed away since its or- ganization in 1874. Such matters, he added, are not computed by mone- tary standards so common to ps in these days but rather by the degree of Friendship, Love, Service and Sympathy accompanying them and known only in part by those assisted. but in full by the Supreme Ruler of the Universe. For the purpose of placing the policies {issued by the Association prior to 1912 on a basis of actuarial solvency, the Board of Directors sub- mitted such Constitutional Amend- ments as would place tHese certifi- cates on a basis of 100 per cent. solvency. The Committee on ' Laws and Amendments, after due consideration of these amendments," submitted through their chairman, R. R. Brett, of Essex, Ont., the following report: Your committee has carefully con- sidered the proposed amendments re- ferred to them by the Board of Di- rectors and which were prepared for the purpose of placing the Associa- tion on an actuarially solvent basis, approve of these amendments, but would give to those*members whose policies are reduced two further op- tions: (1.) The extension of the time for making payment of the cash equivalent to two years. (2.) By retaining their policies at their full face value on payment of an increased monthly premium, With these suggestions the Consti- tutional Amendments received the unanimous approval of the meeting. The adoption of these amendments assures the permanency of the Asso ciation's financial position and the integrity of its obligations. The retiring directors, W. Jackson, Kingston; C. C. Folger, Kingston, and L. B. Cooper, Belleville, were re- elected for a term of three years. The auditors, John Nicolle and J. G. Ettinger, were also re-elected for the ensuing year, Election of Executive Officers. At a meeting of the directors held immediately after the genera! meet- ing, the following officers were elect- ed for the ensuing year: President, Dr. J. C. Connell, Kingston; vice- president, J. Powley, Toronto; see- rétary-treasurer, F. S. Evanson, Kingston. Have Left for Vancouver. Dr. and Mrs. Mabee,- Gananoque, have left to attend the Canadian Dental convention at Vancouver, tra- vejling with the official dental party from Toronto. At Sarnia the boat will be taken to Fort William, then the Canadian National to Prince Ru- pert, where steamer will be taken for Vancouver, visiting various points en route, reaching home about the end of August. Fi > 2 ¥ . Bet you couldn't guess in a year Y ARE ! who these folks are? Yet Jou surely know them--minus their make-up. It is Henry the high hat, flowing tie and trick whiskers, up in ou ord, in the driver's seat | And the lady at his left too, they are not riding in a flivver. dolled up this way for a parade in Dearborn, will notice, where they live, is Mrs. Ford ! They are all the Detroit suburb, The best = Tobacco | for the | | pipe i Me