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________________.â€"â€"â€"â€"â€"â€"-â€"â€"- l To some degree, however, the rate of in- Gillette RAZGR No Strappingâ€"No Honing «awn-unwezm1mamm-"v " ‘ ‘ . . . Triple silver plated, with 2 blade boxes, and 12 double- edged blades in neat case. “av-”aware“ 4. '42; wnannwlmfl M. -__._.____ ___â€"__â€"â€"â€"â€"-_.____ .. .â€" nu signalling THE YIELD 0N MUNICIPAL BONDS DE- PENDS ON SAFETY AND POPU- LARITY 0F BOND. .â€" Small issues Usually Have to Yield High- er Than Large-Safety of Interest De- pends ‘Entirely on Safety of Principalâ€" Canadian Municipal Issues Yield Lower Return Than Americanâ€"Western School Issues. The articles contributed by "Investor" are for the sole purpose of guiding pros- pective investors, and, if possible of so?- ing them from losing money through placing it in “wild-oat" interprises. The impartial and reliable character of the information may be relied upon. The writer of these articles and the publisher of this paper have no interests to serve in commotion with this matter other than those oi the reader. â€"â€" Turning from the question of safety of principal of municipal bonds to the other features, which must be considered when investing in accordance with actual re- quirements, we come to the item of cer- tainty of interest. This, of course, depends in the case of this class of bonds on the same consideration which tends to insure the fire at a. very favorable rate. THE Gillette beats every other shaving device in a lot of waysâ€"it’s safe, it’s quick, it’s economical, requires no strOpping nor honing, it's always ready and it can be adjusted to suit the face of any man who shaves. The toughest beard and tenderest face each receives a perfect shave. Get into the Gillette class and save time, trouble and money. it shaves clean and easily, it Ask your dealer to show you the Gillette. If he has neither the goods nor our catalogue. write us. We will see that you are supplied. Gillette Safely Razor Co. of Canada, Limited Olllcc and Factoryâ€"G3 St. Alexander Sh. Montreal. N0 s‘raoopmc ~ NO HONING . $5 safety-of principal, and where we find reason to consider the safety of sum in- vested ample we have no occasion to on- quirc further as to the possibility of non- payment of interest. In the case of Campbellton, N. B.. for instance, where the total destruction of the town by fire rendered precarious the safety of the bonds, the action of the government of the Province alone saved the interest from defaulting, just as it was the same government's guarantee that enabled the town to make another issue of bonds since T-hcse investors eagerly purchased. The rate of income from municipals is rcaltivcly small, except when one con- siders their relatively high degree of safety. This question of relative safety is one very good reason why Canadian municipalities sell their bonds at much more advantageous prices than do muni- cipalities of corresponding size and pros- pects to the south of the International Boundary. For example, City of New York bonds sell slightly under par to yield about 4.05 per ccnt., whereas, To- ronto bonds sell above parâ€"tor the 4 per cent.'sâ€"to yield 3.90 per cent. And other cities are in proportion.- The very fact cited last week that repudiation of muni‘ cipal obligations was so infrequent in Canada as to be negligible-while in the States it is a. very present danger at all times in investing and is ample reason for the diit‘crcncc. ~ A woman often does not notice what a cold day it is so long as she is bustling around the house. But A when she sits down to her sewing and mending, she soon feels chilly. It is then she needs a Perfection Smokeless Oil Heater. its quick, glowing heat warms up a room in next to no time. That is the beauty of a Perfection Smokeless Oil Heater. . It is always ready for use; you can carry it wherever you please; and you light it only when you want it. The Perfection Oil _Hester is smokeless and odorlessâ€"a patented automatic dense insures that. It is reliable. safe and economicalâ€"burns nine hours on one filling. Handsome, tooâ€"drums finished either in blue enamel or plain steel. with nickel trimmings. Dealers everywhere: or write for descriptive circular to any agency of The Queen City Oil Company, Limited l tcrcst and the yieldâ€"the difference has been pointed out several times in this column-variesâ€"in the words of mathc‘ matics~inverscly as the safety. That is to say: the lower the safety the greater the yield. This is only true in part. A small issue of bonds must usually yield a higher rate of income than a large one; for in the first. place, they are nearly as much trouble for a bond dealer to handle, and then the town, not being well known â€"or of course it would be large enough to make it largo issueâ€"is not popular with investors if they can get the bonds of a more important place at the same price. This is particularly noticeable in the ease of small Western rural munici- palities and school district issues. The safety of those school district securities is of quite a high class and yet for the chief reason that they are unsunwn, Ffitll' yield as high at 6 per cent and sonic- timcs over. These bonds are secured by a first lien, based on farm land at a rate of about 50 cents an acre, so that on land which is. worth an average of over $10 an acre and readily sells at that price, there is no occasion to worry over the security. But the fact that they are of- ten issues of only one, two or three thou- sand dollars makcs it hard to get a good price on them unless the issue bears a high rate of interest. So the yield does not depend alone on the safety. QUICKLY STOPS COUGHS. HEELS ‘i'HE THROAT AND LUNGS. 25 CENTS ...__ *A‘.â€"â€".â€"-â€"â€"__â€". STORY or ser HELP. Scissors Grinder Who Died Worth $100,000 Through Thrift. A man who began his working career as a scisSorsâ€"grinder in Shofiicld, England, and married mil a wage of only $6 a. week, has just died worth $100,000, and has left bequests of $2,500 each to four charitable institutions of the city. He was Mr. David li‘cnby, glass, and china, dealer, the proprietor of l a. very large business, which- he acquired as a result of hard workl and thrifty habits, in which his wife. shared. When he was earning; his small wage, the couple always managed to save something, and when. they had a. little capital they started ax small general grocery business in a. back street. He purchased a donkey and hired a cart, and after; two years in business was able to take a. grocer’s .shop with an off- licensc. After nine years he had saved enough to buy the shop and nine adjoining houses. At the same time he was carrying on. a! business as furniture remover, his wife looking after the shop. He was afterwards able to move to bigger promises and became a' wealthy man, but he and his wife' continued to live in very moderate. : l i . i l l style. -_.._~__..>7<_.,.- __... CALEL'DAR RETORM IN CHINA. to be That of Western Nations. From Pekin. it is announced that . the Chinese Government is about to drop the troublesome moon from its calendar and follow the practice of western nations in using only the sun. The present Chinese year began on January 30, and is the; year 48 of the seventyâ€"Sixth cycle, l a cycle consisting of sixty years! Its Year and the first year of the first cycle “Teaser” For Jaded Appointsâ€"â€" Post Toastics = with cream or preserved fruit. d Ready to serve instantly -â€"-just open the box and enjoy an extra. good dishâ€"â€" Convenient, criSp. delicious, wholesome. “The Memory Lingers” Sold by Grocers. Made at the l POSTUM CEREAL 00.. LTD. Pure Food Factories, Battle Creek, t-fich. Iliumâ€"link freely. All-a. writes :â€"â€"“I must tell you 11‘1“.” , u ' “prawn“ ““11 vpll- SO occurring BC. 2637. But owing to the use of the moon the number of days in the year varies Consider- ably. Ordinarily there are twclvo lunations or months, but once in thirty lunations a. thirteenth luna-l tion is added to the year, as a. result of which the year can be as short as 354 days or as long as 384 days. The months are more reg- ular than our own, alternating be- tween twenty-nine and thirty days. The Chinese year completely fails; to keep the seasons within proper bounds.â€"W'cstminstcr Gazette. v 51 ARE Xi} llll HA3 1) S CHAPE’ED '3 Zuni-link Will Cure Them. The particular danger of chapped hands and cold cracks (anrt alto-' gctlicr from the pain) is that the! cold is likely to penetrate and set; up inflammation, festering, ('1‘! blondâ€"poison. Directly the skin isl broken by a cut, graze, or scra:ch,l or cbafcd and cracked by the action l of the cold winds and water, thcl . . . 1 one necessary precaution 1.7. to apply The pure herbal juices from which Zuni-link is prepared are :0 per- fectly combine-4:1 and refined that the immediate effect of these Zara-link dressing-s is soothing, antiseptic, and healing. _ 1 Mrs. D. M.-I’liocn, Neucha'ufl,‘ pleased I am with Zam-Buk. My husband had an old frostbite on his foot for many years, and had tried almost every known remedy with out any effect, but the first appli-‘ cation of Zamdiuk seemed to helpl him So much that ho persevered ; and the sore is now cured, We u mizll not be without Zuni-Bu}; in Lbei house.” Zam-Buk is also a. sure cure for piles, eczema, ulcers, scalp sores, bloodâ€"poison, bad leg. eruptions, ctc. Its purely herbal composition makes it the ideal balm for babies and young children. All Stiff- druggists and stores sell Za-mâ€"Buk mummies REMQVENG PAENT, DESB NFEQTENG filNKS. SLOS ETS , D RAE N5 . ETC. SOLD EVERYWHERE REFUSE SUBSTITUTES l l l FTENING WATER, stand each in a. early lettuce leaf on a dish. ‘ Meatless Mincemeahâ€"Onc peck green tomatoes, chopped fine ; drain juice and throw awav. Pour on three pints of hot water and cook five minutes. Drain off all juice. Do this three times. Add two and one-half pounds medium brown sugar, two pounds seeded raisins, oneâ€"half pound chopped suct, one teacupful of cider vinegar, two level tablespoonfuls of ground cinnamon, oneâ€"half tcnspoonful each of ground cloves, allspice and nutmeg, one tablespoonful of salt. Mock Angel Foodâ€"Sift four times: One cup sugar, one cup flour, three tea-spoons baking powâ€" der, pinch of salt. Add to the above mixture one cup of milk heated to boiling point. Beat well, add flav- oring. then put in whites of three eggs beaten stiff. Fold, but do not stir eggs in. Bake in regular angel food cake tin (kind with hole in center) until it does not adhere to broomstraw. Have oven very but until cake has risen, then cool it by degrees until cake is done. Leave in pan and turn at once upside down to cool. Brown Sugar Cookiesâ€"Cream to~ gcther twoâ€"thirds of a. cup of butâ€" ter and two-thirds of a cup of brown sugar, then add one egg. When well beaten together stir in one cup of rolled oats and two-thirds of a cup of English walnuts chopped. fine. Lastly add one cup of flour and one teaspoonful of baking pow-F dcr. Sift the baking powder with the flour. This recipe will make between twenty-five and thirty. A' delightful icing for cakes can be easily made by melting one-fourth of a cake of chocolate in {our table spoonfuls of sweet milk. When cool work in one cup of powdered sugar which has been sifted twice. This icing will keep moist. Novel Rice Puddingâ€"Take a abscesses, l quarter of a pound of- ricc, wash. and boil it in milk, add sugar and salt to taste, and a little spice. When cooked this should be quite Take half of the rice out of the saucepan and put it in a basin 50c. box or post free from Zam-Buk l With the remainder, 00101‘ With ii 00., Toronto, for price. Zam-Buk Soap, 250. tablet. a. .â€"__.â€" . DAINTY DISHES. Pieâ€"Remove For a. Beefsteak Try alsolfew drops of cochincal. every particle of fat, as it never bakes well and makes a. )ie both , o n . greasy and indigestible. This piquant Sauce is excellent and gravies. of salt, two for flavoring Steep three soups ounces ounces of grated horseradish. and half an ounce of ginger in three pints of boiling water. twentyâ€"four hours,>then strain and bottle for use. Catcau of Applesâ€"Boil one pound and a half of loafâ€"sugar in one pint of water till it becomes syrup, then add two pounds of good apples cored and peeled, add the juice and grated rind of a- large le- mon, and boil to a soft pulp, Pour -1nto a mould, and when cold turn out and serve with custard, Stewed Beef with Onionsâ€"Cut one pound of beefsteak into pieces, melt one ounce of dripping in a. stewpan which has already been dredged with flour. Turn the meat about till it is browned. but not cooked. and add two sliced onions. Stir all together, and then cover the meat with good gravy; Let sim- mer very slowly for one hour and a. half, then take up the meat, thicken the gravy with half an ounce of dripping rolled in flour, and pour round. Spanish Tomatoesâ€"Cut a. slice from the. stem end. and scoop out the inside of ten largo tomatoes. Put the pulp into a basin, add to it two ounces of oiled butter, two tablespoonfuls of lemon-juice, half a pound of. chestnuts boiled and grated, and season all with white 'l‘lfig vniv‘hiyn should be of the thickness of cream. bill the tomatoes wn‘h this. sprawl a little salad mixture over and Stand for Grass a. pudding-basin, put in a. layer of rice half an inch deep. Place the mould in cold water, and when the rice is set, add a layer of pink rice and another of white, and so on, till the mould is full. taking care that each layer is set before adding another. Stew a few washed sul- tans and currants in a little water,‘ sweeten to taste, and pour round the mould. . l l When silver is not in constant use a. piece of Icamphor will keep it from tarnishing. i To let vines climb up wooden walls will seriously damage lhcm,l as it promotes decay. ‘ Finger marks may be removed Ifrom paint, by rubbing with a damp cloth dipped in whiting. l ___,_______â€"_â€"_â€"â€"â€"â€"-â€"â€"-â€"â€"- The easy-shining stove polish in the big can. Not a powder. which must be mixed with water â€"nor a hard cake, which must be scraped but a. soft puts, ready to use. that gives a brilliant polish with a few rubs. Equally good for stoves, pipes, grates and ironwork. If your dealer does not carry “Black" Knight" Stove Polish, send us his name and toe. and we will send a full size tin by, ' return mail. ' 35 The £5.qu Co. nmiieummownt " Makers of the famous "2i: 1" Shoe Polish. “ 1. "““L'W’lem L.-