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is part of the routine of the day’s work. L‘hey can afford tcr employ their own killed valuators who do nothing else but .ass on the security of mortgage oppor- unities offered them. Finally, their year- y incomes are so great and from such a iiversity of districts that if John Jones ind, perhaps. a score of others find it impossible to meet their interest paY- nents they are by no means worriedâ€"â€" they let it rest for a season, when, in the usual course of events it will be caught 2" ”my WRIA SAIILNGS SPECIAL A! Victorian Corsican ST. JOHN. NJ}. ST. JOHN, N. TO LIVERPOOL To LIVERPOO Sails Dec. 8 Balls Dec. 1‘ PORTLAND To GLASGOW Sails Doc. 14. BOSTON To GLASGOW Sails Dec. 7 .â€" "One Class," $50.00 , . 80.26 Third Class. H .â€" “One Glass."347.50 3 80.25 _ .._â€"- FirstClass, $83.50 First Class, $72.50 second Class, 52.50 Second Class 50.00 'l‘lnrd Class, 32.50 Third Class 81.25 Third Class, Apply TH ‘77 Yonge St. All Steamers equipped with Wireless mun glutinous BE- are not divisable, so that it is impossible for a. purchaser to buy part of a mort- gage. In the case of a bond, on the contrary, the holder of a thousand dol- ar Wm. Davies bond, for example, can divide it into ten bonds of $100 each, each of which is equally as secure as the whole, and it is issued by a company whose shareholders, in their desire for dividends, will see that its earning power is kept up, if at all possible. Then the prospective purchaser of a mortgage will have to go to the expense of a careful search of the title of the property mort- gaged; he will have to go to the expense and trouble of having the property valu- ated, he will have to worry about the question of insurance. In short, it is no great wonder that mortgages cannot be sold for their face value. If, on the other hand, the seller of a mortgage has to pay all these expenses when the pur- chaser demands it, he is that much worse 01f, as the expense adds to his loss. In the case of bonds all this trouble is obviated for the reason that the legality and security of a bond issue are, as a rule, carefully examined and passed upon once for all by one or more of the most skilled lawyers in Canada. Except in the case oi! small municipal bond issues the issues are for large amounts and are therefore generally so well known that there is no need for more than the more some SIGNIFICANT com-mars TWEEN soups AND REAL ESTATE MORTGAGES. â€"â€" Difficulty of Subdiuiding a Mortgage and Necessity of Examination ’of Property Makes Sale Difficult, if Not impossibleâ€" and Com- Aii Right for Big Estates panicsâ€"More Suitable Investments for Those of Small Means. The articles contributed by ,"Investor" are for the sole purpose of guiding pros- pective investors, and. if possible of sav- Ing them from losing money through placing it in "wild-cat" enterprises. The impartial and reliable character of the iniormation may be relied upon. The writer of these articles and the publisher of this paper have no interests to serve in connection with this matter other than those of the render. â€"â€" The question of distribution of risk is one that few mortgage investors bear in mind. As a rule, the average investor has but limited means, and, therefore, cannot- buy more than a few mortgages at the most. These, too, are altogether likely to be in his own neighborhood. The result is that when a year like the present comesâ€"fevers drought in many places, perhaps causing a total failure of the crop in the particular district in ,which one has been loaningâ€"~there is a very good chance that interest, at least, will not be forthcoming. It is hard, if not impossible, for a. person of small ea- pital to get a suiilcient number of small mortgages to enable him to distribute his risk p’roperly. 0n the other hand, in the case of many bonds, one can buy denom- inations of $100 and upwards. The farmer who is willing to place a mortgage for so small a sum as that on his property in all probability is in such straitened cir- that the security is very chaser. For the small private investor, classes of securities. of prejudice against mortgages. is quite true, but it is based on experi ence. small sum on a. first mortgage. pulation and value. cuinsrances doubtful. . Of course, in the case of a very large estate the question of proper distribution of risk demands that a certain propor- tion oi‘ the money involved be put into amount equal to only 80 per cent. of it face value. less of $200 out of every thousand, it wa naturally not accepted. Finally. the othe investment, which proved profitable t those who “got in on it,” had to be passe sound mortgages. / by. As pointed out last week, the fact that mortgage are saleable only with diffi- culty, is a serious drawback in the case of many investors. The reason for this is quite obvious. In the first place, mort- gages, that is. real estate mortgages, are usually made by private individuals. They find mortgages so attractive is this: I whose duties are so divided that all suc small, but important, details of 3. mar ‘F§fl;;...~a.w.tx.¢a.x» ~ -,g. : I 2.1,...) gratin-Juv- This Eccdnicnic Quickly Restores Strength After a serious illness, ordinary food should be supplemented by a strengthening tonic. For this purpose NA-iliill-Co Tasteless Cod Liver Oil Compound is recommended very highly. In its prepara- tion the disagreeable flavor of the natural Cod Liver Oil is entirely removed. while iis well known nourishing and tissue-building qualities are retained. Then we add Hypo- phosphites to build up the nerves. Extract of Wild Cherry (for the Lungs and Bronchial Tubes), and Extract of Malt (a food itself) which aids in the assimilation of other foods. weer: so: .~'~‘.'!.'if'_;wi,‘,:g.é-i’.s 'i‘v" rah “nuns-u.) . ’ slum:- Children in particular enjoy the pleasant flavor of Na-Dru-Co Tasteless Cod Liver Oil Compound. and quickly regain health and strength when Nature is aided by this natural food-ionic. Your Druegisi has it in 50c. and 51.00 Bottles. National Drug and Chemical Co. oi Canada, limited. FOR EVERY AILMENT THERE'S A HA-DRU-CO IPECIFIC BEARING THIS TRADEMARK. SEE THAT YOU GETIT- 105 statement that one wishes to sell in order, at most times, to find a ready pur- then, there is no comparison betwecn the two The writer will, of course, be accused That For, many years ago I loaned a The amount was small and on ample security â€"rcsidential property in a part of To- ronto which was rapidly growing in po- It so happened that I found it necessary toget some ready cash for another and much more desir- able investment. I tricd to sell the mort- gage. The flrst and only offer was for an As this meant a substantial The reason why large companies like insurance, mortgage and loan companies the first place, they employ large staffs gage as insurance, etc., are attended to up. Unless, therefore. you are willing to go to a. lot of trouble and worry, not only over making your original investment, but in all the time it is current. it is best to avoid mortgages. Of course, many people have made money out of mortgages~but not in a way any olf- repecting person would care to do. INVESTOR. E '. ‘ ~. an" I . T5! .’ MAD E: .CONF’ORMS TO a; nun sauna ___.â€"- Telling How to [lure This Painful Mainly. This article is for the man or wo- man who suffers from rheumatism who wants to be cured, not merely relievedâ€"but actually"cure-d. The most a rheumatic sufferer can hope for in rubbing something on the tender, aching joint, is a little re- lief. No lotion or liniment ever did or ever can make a cure. The rheumatic poison is rooted in the blood. Therefore, rheumatism can only be cured when this poisonous acid is driven out of the blood. That’s why rubbing and liniments and. outward applications are no goodâ€"they can’t reach the cause in the blood. Any doctor will tell you this is true. If you want something that will go right to the root of the trouble in the blood every time take Dr. Williams’ Pink Pills. They make new, rich blood which drives out the poisonous acid and cures rheumatism to stay cured. This is a solemn truth which has been proved in thousands of cases, and the following is a striking instance. Mrs. W. H. Elnor, Sarnia, Ont., says: “I feel it my duty to recom- mend Dr. William-3’ Pink Pills as they completely cured me of rheu- matism after I had been almost an invalid for three years. I doctored with two skilled doctors and took electric treatment, but without benefit. On going to a third doctor he recommended mineral baths as the only thing that would help me. After taking this treatment for some time I felt that I was really growing worse instead of better, and I began to think there was no cure for me and that I was doomed man whose eyes seem-ed like those of a crazy man. He jumped right into the lake from the high bankt gun and all trailing behind him. He swam up to me, and put his head under my blanket. For a «long time he said nothing, and I could see that his face Was burnâ€" ed. When he became quieted, he told me that his name was John- son, that he was a freelance pros- pector from Montreal, and that ‘he had almost been burned alive in his tent. He had brought nothing but his rifle and a belt of cartridges. Hardly two minutes after we were comfortably settled in the water, we were alarmed by seeing a big black bear looking down on us from the shore. What was Worse, he kept coming straight toâ€" ward us, nor did he stop until all of his body except his eyes and nose were under the water. He eyed us and we eyed him. I wanted JOhnson to shoot him, but Johnson said that he didn’t think his cartridges would fit the rifle, or even explode if they did fit. So we just stayed right where we were, only ten feet from the bear, which did not make a movement. ‘ It wasn’t long before the lake- about us was a regular menagerie. A big moose plunged in, and swam all the way across the lake. Several small deer did the same thing. I never saw so many rab- bits in my life. They were drownâ€" ed by the score, but those that reâ€" mained near the edge of the lake were safe. Then it began to get hot. The fire licked up every blade of grass to the very water’s edge. If the into the lake and killed us. . to be a. helpless sufferer. For some t1 k t 1 'b1 months I discontinue-d ,all treat- lflsll f3}? a.s‘00°13*5bP05;51‘ e. . __ , .1, ment and then I was advised to try . L e time he ea} remained '1" ‘I Dr. Williams’ Pink Pills. After mot1onless, simply panting for life. A USE FOR ALL._ 9 taking a few boxes I could notice W? ceased to fear hm” and he cer- “Did you know that they cat ‘3‘ a distinct improvement and I con- tainly dldn’t seem to mind us. make shoes out of all kinds 0? 9? - tinned takinn' the Pills, for several About one hundred yards from skins '2” ll months whdjn the cure was com- us, toward the center Of the. lake. “How about banana skins ‘2” 3’ plete That is some two years ago were four men .m canoes, With all “They make slippers ’out 0‘. I and ’I have ever since been pier,- thfi’r campesqucllpimelnt safely f tucfllr- them.” ' ’ l fectly free from the trouble. I CC away. It (elk: :dlifldb’t 2e: 3 - ano s 11 set. would, therefore, adv1se anyone 0 e P afflicted with rheumatism to take Dr. Williams’ Pink Pills, as they certainly made a remarkable cure in my case.” 5 These pills are sold by all medi- cine dealers or may be had by' mail 5 at 50 cents a box or six boxes for 1‘ $2.50 from The Dr. Williams’ Me- .) dicine Co., Brockville, Ont. d w the bottom. necks for just two hours. the fire had passed. w IN THE PATH OF THE FIRE. .__._. An Incident of the Great Porcu- pine Conflagration. prospectors. .3. A handy wedge ll h The great forest fires that raged t- in parts of the United States and Canada during the past summer were the cause not only of the loss of millions of dollars’ worth of property, but of many lives. Part- icularly is this true of the fires that swept over the Porcupine mining region of Ontario. What such a fire means to those in its path is vividly described by Mr. L. F. Jones of New York, and reported in the Times of that city. I was getting my supper in the :tent when the smoke became so thick that I could hardly breathe. I wrapped myself in ablanket,inâ€" tending to await developments. Suddenly there was a cracking. and a. whistling all about me, and I saw fire on all sides. I had only time to grab my knapsack, con- taining an ax, a knife and my blanket; then I ran for Pearl Lake. which is about two miles long and a half-mile wide, and a mile from my camp. I got there only a few minutes before the fire, which was sweeping all the smaller trees down like straws. I hurled my knapsack into the lake and got into the water up to my neck. My clothes wereburned in many places where sparks had settled on them. Running toward the lake was a. tween the sashes and the frames. Piliiii‘lffi HIS on Dr. Morse's Indian Root Pills Healed Mr. Wilson’s Sores the blood quickly The way to writes: depressed condition. gestion. . and blotches formed all over my skin. satisfactory results. Was a thorough cine that would accomplish this. one of the most wonderful medicines upon as the family remedy.” the system thoroughly. dealers at 25¢ a box. ..... ..._......;..e-r.p....:.».'.‘.f.‘â€"v. ,4... “r «a... .... ._.â€"..::.;1.:‘.»........ IN CANADA CONTAINS N0 ALUM HIGH STANDARD OF GILLETT’S GOODS. ’ .. ill!lllllliliilllilllillilillllllllliillfllllflIlllillilllillllllllllllilililllilllllllllill . I .. trees had not been so thick they would certainly have fallen over We were almost scorched to death, but we frequently put our heads and the blanket under the water, and what happened because of the ter- rible smoke, but later we found out that the occupant of the canoe, a man named William Taylor, a squatter. shoemaker, had gone to ,We were in the lake up to our The . bear, deer and rabbits left us when l beneficial, On the way out to Golden City we found the bodies of seven dead for a bedroom window which rattles, is a toilet comb. Put two or three thicknesses of paper round, and Insert it be- â€"-â€"â€"â€"‘â€"â€"'Tâ€"â€"â€"â€"______________â€"â€"â€"â€"â€"â€"-â€"â€"-â€"â€"â€"â€"â€"'â€""'_' When the sewers of the bodyâ€"bowels, kidneys and skin ductsâ€"get clogged up, becomes impure and frequently sores break out over the body heal them, as Mr. Richard Wilson, who lives near London, Ont, . found, is to purify the blood. He -~ “For some time I had been in a low, My appetite left me and I soon began to suffer from indi~ Quite a number of small sores tried medicine for the blood and used many kinds of ointmcnis, but without What was wanted cleansing of the blood, and I looked about in vain for some medi- At last Dr. Morse’s Indian Root Pills Were brought to my notice, and they are I “Why didn’t you 'I” l have ever known. My blood was puri- fied in '1 very short time, sores healed up, my indigestion vanished. They always have a place in my home and are looked Dr. Morse’s Indian Root Pills cleanse Cold by all THE RENT. BABIES FOR BAIT. Cingelesc Women Get $2 a Week From Crocodile Hunters. That babies have an earning capacity in at least one country is made clear by this story from the current issue of “The American Traveller’s Gazette.” :â€"â€"â€"‘A sailor who spent some years in Ceylon asserts that the Cingalese mothers regularly hire out their babies as crocodile bait.” These are his words: ‘Baby bait is the only thing for crocodiles, and everybody uses it. You rent a baby down there ' for two shillings a day. Of course, no harm ever comes to the babies, or else the mothers wouldn’t rent them. The babies are simply set [on the soft mud bank of acrocodile stream and the hunter lies hid’ near themâ€"a sure protection. The crocodile soon rises up. In he comes, a greedy look in his dull eyes, and then you open fire. Some Cinglerse women make as much as $2 a week renting their babies for bait.’ ” ‘ {4 THE WARNING OF FOOD EX- PERTS AGAINST THE USE OF ALUM I’OWDEI’IS. There are manp housewives that unthinkingly use alum baking-pow- ders in making biscuits, cake and. pastry, when it would only take a little precaution to avoid doing so. Baking~powders that contain alum cause indigestion and nerve disorders. English food experts condemn alum as an injurious adulâ€" terant unfit for a. baking-powder in- gredient. If you are not careful you may be buying alum in your bakingâ€"powder and putting it in food. The way to be sure is to read ‘the label on the baking-powder, and if the ingredients are not plain- ly printed on it, refuse to accept it. A Safe Pill for Sufferersâ€"There are pills that violently purge, and fill the stomach and intestines with pain. Parmelee’s Vegetable Pills are mild and effective. They are purely vegetable, no mineral purges tive entering into their composition and their effect is soothing and Try them and be con- vinced. Thousands can attest their great curative qualities because thousands owe their health and strength to timely use of the mos? excellent medicine. " QUICK RECOVERY. “Momma,” said Johnny, “if you will let me go just this one time I won’t ask for anything to eat.” “All right.” said his mother. “Get your hat.” - Johnny, perch-ed on the edge of a big chair, became restless as savory: odors came from the region of the kitchen. At last he blurted out :' “There’s lots of pie and cake in: this house.” ' _ l The admonisbing face of his mar) ‘ added: “But what’s that to me '2” WRONG DIAGNOSIS. His Physicianâ€"Young man, it you don’t quit drinking you’ll run: your digestion. . y I The Young Manâ€"Doctor, 1t’s my} 5 to drink. SO NEAR AND YETâ€"- I was very near to proposing Miss Maybelle last night/1 had such a far- 'I “Because she o - I I A Single man 15 seldom as good; as his sweetheart thinks be 18, or a.‘ married man as bad as his wife wuss. 6 pects he is. ther recalled his promise, and be“ ruined digestion that has driven Ind;1 away look.” i m. ._. .v.«-«'-v.vt;â€",;rr~ ‘- W' : .<; ‘ 2 . . . ' W'“