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3 Tl 2 oh TEE DRYDEN OBSERVER Loy % * Loans Limited to Specific Purposes first 1 1 by the figures quoted it is necessary _ were the purpeses in the original Act cent. is regarded as reasonable for-a was tario it has a stabilizing influence. _ divided into annual * the maximum period, but when they | . passed. . point is available. , given to understand that a loan ig @ HEFARMLOANSYSTEM | port registration Government Plan for Developing in Canada Farm Property. Paes: In the year 1921 the total" regis- trations of all cars in the Dominion lof Canada was 446,679. At the end of the year 1922 the total registrations of all cars was 439- 793, or an increase in registrations during the year 1922 of 47,114 cars. At the end of the year 1921, the total Ford cars registered in Canada was 207,041 or 47 p.c. of the total cars registered and in use in the year 1921 At the end of the year 1922 the total Ford cars 'registered and in use in Canada was 240,290 or 49 p.e. of the total cars in use in Canada in 1922 The increase in registrations of all cars in use in'the year 1922 over thé year 1921 was 47,114. The increase in registrations of | 3 ---Reasonable Rate of Interest for + Long Term Ticans--Helps to Straighten Estate Tangles--About Repayments. (Contributed by Ontaric Department of Agriculture, Toronto.) On ctober 28th last the Agricul tural De (e} Development Board passed the oan under the long term farm loan legislation of the previous ses- scion. Since that time loans te the amount ef about $800,000 have been passed. 3 ) In noting the progress as shown to remember that the leans are limit- ed to certain specific purposes. Acquiring land, erection of buildings, ADVANCE UMBLEY Qil-Cooled Fngine ! The only Perfect Engine on the market iv ' CLOVER HULLERS SEPARATORS OIL PULLS . TRACTORS Ford cars in the year 1922 over the year 1921 was 33,249, Registrations of all cars therefore . increased, 'in 1922 by 47,114 cars. straightening up an estate -- these and loans up to 65 per cent. of the value of the property couidabe made. BURNS KEROSENE Lowest Operating Cost on Test To these purposes have now been fr, : : : . added the disclowens of -encui Fords Jnmensed by 33,249 of this} brances where such encumbrances |total of 47,114 or 70.5 p.c. Dn do not exceed 40 per cent. of the | This is a wonderful tribute to the| See us before wn and the cost of installing the value of this car te thé Canadian . | motorist, whe n after twenty years trial it has increased its hold upon the Canadian motorist to a greater extent Three Features. There are three features of the ge | plan which have been commented on favorably by applicants. These are: 1. Money is available. ! 2.. Rate of interest. 3 ; 3, Amortization of repayments. There has been a general impres- sion that there was always plenty of money available in rural Ontario to. finance all farm mortgages offered. | This is not as true now in any sec- tion as formerly, and, is not true at all in some sections. Victory honds attracted large sums. of money from, rural Ontario and moreover develop- ed an understanding of bonds and their advantages for investment which did not previously exist. Con- sequently many applicants for loans have stated that there was now little or no money available in their com-. munity for farm mortgages. THen the rate of interest at six per than in any previous year. 70 people out of 100 who bought cars in the year 1922 in Canada bought Ford cars. FGSTER STORM DELAYS TRAINS BRANDON, Man., July 10--Crops were cut down along a path eight to twelve miles. long and from two to tree: miles wide, roadways flooded, telephone service disorganized and a railway track washed out during a terrific hail, wind and rain storm in the district of Kenmay, west of here, yesterday afternoon, according to word reaching Brandon today. The hail exceptionally heavy, and it is long term loan. It is, of course, two feared that crops in the path of or three per cent. less than prevail- | ; 1 ; storm are Tetels mia ing rates in New Ontario, and there | Soorm Es etely ec out is. reason to believe that in old On- ed among the river. Mrs passenger on il the the {word of a great Tn com her _ But the feature which appears to » a appeal to many is the basis of re- payment. When the repayment is instalments of principal and interest and spread over a period of twenty years it gives STORK FOLLOWING EXCURSION BOAT MAKES UNCLE SAM . DETROTT, July 10.--A strange bird A with spindly legs and long bill, flutter- gulls on the Detroit The excursion - "Steamer Columbia, running between Detroit and Bob-Lo was running slowly back to Detroit. The strange bird hovered close by. Isabella * Stachura, Detroit, a . There was ne doctor on board, but a trained nurse ¢ mong the there were. excited was to have another little citizen. FATHER J away. ; » great cheer arose from United States passenegrs. was in United As the boat ced that Mrs States waters. of 'her birth. Columbia becam TY bohmel ly onthe KILL BANDITS offered assistance. HONG KONG, July impending" event 1 and near Canton last today in a battle as to States STR a sense of permanence and enables a man to make his plans accordingly. A payment of 87.17 per thousand doi- lars borrowed. will discharge the entire loan in 20 years, and this is not much more than the interest payments which would be asked in some eases otherwise. Most morrow- ers are looking forward to having the entire loan discharged long before are told they can pay as much as they like on due date after the third year they are quite satigfied. i As to Red Tape. . f It is perhaps asking a good deal to expest a skeptical public to be- lieve that any Government or semai- Government organization operates without red tape. Certainly it is the aim of this Board to do so. To com- } ply with the Act and to see that the | interests of the Province are pro- . perly safeguarded there are some | conditions with must necessarily he' rigidly insisted upon. Within these lines, however, the Board has ep- deavored to make the operation of | the plan as simple as possible from | the standpoint of the . borroweg. Sometimes there is a slight flaw iB the title, making it necessary to get the signature of someone now several thousand miles away. It is in .the interests of the borrower, as well an of the Board, that the title be made absolutely clear, even if it takes @& few weeks to do so. J In this work it will be obvious that inspection and valuing is a most im- Dortant part. The Board is expected and desires' to serve the whole Province. Covering such a large territory with such a variety of com~ ditions is a. big job and the Board must nécessarily place reliance op the information which comes to #t from its inspectors. Estates and Buildings. i One of the purposes for whieh loans are authorized under the Agi is for straightening up estates, and this has been found an advantage, in a considerable number of cases; | for' instance, where the property has | been left to the oldest son, with iB-~ | structions to pay off obligations to | other members of the family. In Old Ontario naturally the ap- plications for loans to erect buildings have not been numerous, but a num- ber of such applications have beem Here is a case of a hundred acre farm with buildings, put down as worth $7,500, free of debt. Yet the house is only valued at $206. Hencé the owner secures a loan of $2,500 to build a new house. and spreading the payments over a period of years will enjoy the additional | comfort while it is being paid form. In other cases it has been a new: barn or improvements to some of the existing buildings. Not many loams ! have been granted on small holdings. i %. 5 is : x Cameron Lake showing Mount Arrowsmith in the distance. Vancouver Island is 'becoming famous for many things. Among the chief of these is its climate, among the more utilitarian' its strawberries; and among the tourist attractions its marvellous scenery, and magni- ficent drives, its many fascinating trips both by boat and by rail. But, while tens of thousands of visitors holiday' in the Island every summer, very few of them are aware of the fact that within less than a day's journey of Victoria there are mountain 'peaks covered with perpetual 'the summer sunshine, where those who enjoy that most exhilarating sport, mountain-climbing, may put all of their skill to the test. of view is 'Arrowsmith. It is about six thousand feet high, and to reach it one travels 'by one of the most magnificent scenic railways on the continent. There is a diversity of country all along the hundred miles from Victoria to Parkesville. Parkesville is on the .east coast of the Island, and Victoria, situated at the extreme south of the Island is the starting point for the journey. One of the first summits to be crossed is that of the splen- did Malahat, about fifteen hundred feet above the sea. Here, from the "Lookout," one looks down on a wonder- ful panorama of green-embowered hills, narrow winding waterways, the wide stretch of the sea itself and the Olymptic mountains on the Mainland in their dazzling dress of ice and snow. After crossing the.Malahat there are miles along the shores of the salt water, quick passages through picturesque villages and towns, journey- Ings among sweet-scented woods which are always gay with flowers. r At Parkesville the road divides one branch swinging toward the west. And there begins the first trek in the journey which leads to the everlasting hills. As one nears Cameron Lake, whether one travels by rail or highway, one sees the beginning of the vast forest of Douglas fir, than which there is no finer stretch of timber Repayments. in America. i Repayments. are probably the: Just across the lake from the Chalet one begins the final test of the success of BY! ascent of Mount Arrowsmith. loaning scheme. No repayments arg due under this scheme until newt fall, and hence no evidence on this Every precautiom has been taken, however, to assuff@ repayment, afd every borrower f "The particular day when we made the jousney was in early June. It was sweet and cool near the water, the bracken thrusting up branchy and tall, maiden-hair their new dresses ef fresh, young green. We started at noon, and from the very outset, found the trail fairly steep. With only occasional stops for % i we pushed on for five hours before we made the ut, a distance of about 3000 feet up. It was rather ¢ - early in the year for mountaineering and the trail had not been cleared since the winter storms, which made 'our going rather more difficult than it would otherwise . 4 have been. But every step of the way displayed som < \ business proposition and must Ba? treated on a strictly business basis. A good sire is the beginning a good herd; a bad one is the ead any herd. i snow, and massive glaciers, which defy the warmest of - The most popular mountain from 'an Alpinist's point ferns just unfolding, all of the trees and shrubs wearing Just before the ends. magnificence of scene that called forth exclamations of delight, Ld Hes, * The Hut was practically buried, ior the snow lay depp on the upper reaches. It took us an hour or more to tunnel into it, for although our packer had gone ahead with the blankets, he could not accomplish much zlone. But we finally dug our way in, cleared the snow from the windows, made a fire, and before very long the aroma of boiling coffee and fried ham filled the little cabin, and we sat down to eat with ravenous appetites. The sleep that comes to one on these high, snowy altitudes, far above the slightest sound of life, is dee " dreamless and infinitely refreshing. We aweke at eight the next morning, full of eagernessto continue the climb, which from there on is a real test of strength and endur- ance. The final five hundred feet were very steep, and not and slides, which only added to the enjoyment, and when we had pursued our journey to the end our yt ion Tos very great. For it was an objective worth striving or. The view was grand beyond conception, snew-peaks all about is, dazzlingly splendid in the sunshine, clouds of mist lifting from the valleys, and rolling away to give a glimpse of lakes blue as periwinkle, of bare cKff-sides coloured with the tints of the rainbow, and bright, green valleys, and forests of sturdy. little jack-pine, while now and then- when the clouds would roll up and melt into the blue of the sky, we could glimpse a farther view, and we said it was the sea and the mountains beyond the sea, but the distance made it almost as vague as a hali- forgotten dream. ; It-is. a jourhey that one can easily make within the day, providing there is ne miscalculation, and it is a most joyfully exhilarating climb, while the picture which the summit discloses must always stand out conspicuously in the gallery of one's memories. dali SE i eadpiestidiis th x . At keeps one's 1.30 o'clock the bird swooped low thus these over the boat, then wheeled and flew the The boat! Sometimes we meet nice people whose docked it was announ-: Stachura's eight-pound daughter 'was to be named Columbia --after the boat, and after the country 10 About twenty of the bandits who held up the etnce. It is here the trouble lies. For train on the Canton-Kowloon railway' Saturday were killed with Chinese troop without danger for the unwary. We had a few tum es, wi all, Lmay sink cof the political women, is now ; and is an official of the Toronto Social bem pag * ibetter citizenship. esp smcn: | cand : Health Talks By Dr. J. J. MIDDLETON Dr. Middleton will be glad to -auswer all questions on Public Health matters 'through this column. Address him at Spadina House, Spadina Crescent, Torento, Ont. Country life has its advantages and disadvantages. The absence of turmoil, of the strife and strain associated with life in a busy city is one of the rich blessings that the country has to offer. Then again there are the natural healthy surroundings, the privilege og getting. close to na- ture and formihg associations with , the woods, the meadows, the trees and the quiet rivers. These are all 'good associations. They tend to raise the: ; toughts above the sordid commonplace of the work-a-day world. They bring ,us into contact with things worth ; while and provide the occasion for re- (trospect. But life in the country is , not wholly one glad sweet existence. It has its disadvantages. Thére may . be monotony after a while, an unin- | teresting sameness from day to day, { and perhaps even a tendency to drud- gery. There may the absence of attractions such as the city affords. , There may be no reading rooms, no. i community hall, no organized recre- ation centre, no place togo. In short, { country life may provide nothing that thoughts occupied, aad thoughts are allowed to drift. Sometimes our thoughts drift along the proper channels and we take up some useful hobby or pastime. i Iriendship means much to us and does much in moulding our characters an "our viewpoints on life: : hy i But again the opposite may be true. the monotony of rural life may gen- 'erate in us a craving for excitment, for some new thrill. In our loneliness we associate with whoever can provide some bit of bright colour to the nat- 'ural drabness of. our everyday exis- often the friendships: we thus make are not the kind that will help us, not c kind that will do us any good at In fact we may start to drift, We lower in the social scale LVR) i . ! without even fealizin g it. If excesses 5 fave allowed to deveope, they may de- velop into debauchery, and disease £ Will follow. In that condition. we may 'become social outcasts: and degener- ates. : , We need a heiping hand, We need 'a helping hand. We need somebody who can warn us of the degrading associations that we need to avoid. There may be rural districts in Ont- ario that need such advice. Mrs Em- 'meline Pankhurst, the well-known 'English suffragist, who gave the 'greater part of her life to the cause enfranchisement of resident in Toronto Hygiene Council, an organization whose aim is to raise the moral tone of the community, and in every way i work towards the building up of a Mrs Pankhurst is i going to visit rural Ontario and talk "about these things that interest every- i body so much. She is gong to try and help everyone who needs help and - friendly advice. Her meetings are to be public. - She is an excellent plat- : form speaker and can deliver her mes- | sage with clearness and force. First of all, Mr Pankhurst is going to make "a tour of the northern part of the pro- vince. She 'will visit many important 'centres and her work should. bring , very valuable results. Detailed .an-- noucements of Mrs Pankhurst's itin- erary will no doubt be published at a later date. j [TT TT rep pyrramyo-----) Dick Trist ibryden Livery, Transfer Exchange Barn DRYDEN - ONT. 20 SPOPT (aaa 422 22 2H % BRITISH EXPORTS TO BRAZIL RIO DE JANERIO, July 10.--Am- erican exports to Brazil, according to figures published by the federal de- partment of commercial statistics, were surpassed by British shipments last year for the first time since the beginning of the World War. The to- tal value of American exports to this country in 1922 was almost equal to that of the year before hostilities be- gan in Europe, but less than one-quar- ter of the total reached in the high tide year of 1920.. The reasons for "this tremendous. decrease in Brazilian imports of American products, ac cording bo opinions expressed by-busi- ness representatives here, are the un- ~ &voidable exchange rates on Brazilian money. .