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If the old year has brought sor- row and desolation, and haog craae on outdoors, the new year will bring a the leaves of healing, and we are glad to part with the one and welcome the other. If on the contrary, the old year has brought Do we take time during the hurry and bustle...ot the holiday season to review our work: of the year and see wherein we have made mistakes, jot ting than down in our memory as to be avoided in the future? That boy would never have become a per? feet workman if he did not avoid the mistakes of yesterday. We must nevc nabs the same mistake twica and tnorderto guardagainst do ing 50. we must ’look back and find the mistakes that we have gm; of a new year, is somehow 3 unique. The pathos comes from the ! review of the past, and from the: sense that another notch has been cut for as on the stick. of time. I would do as well. Every day closes an old year and begins a. new one but for an we cannot help feeling that this day. which is agreed upon throughout ChristendOm for the be- Delight and pathos are inextricab- ly mingiod with the thought of New Year's Day. It is only a conven~ tioml point of time; any other It. i not worth while to hate other. This is our advice, and like salvation it's free. Try it during 1911. A Reactionary Storm Period will be the order from the 14th to the 19th yams, the first on‘and near the 14th, central on the 16th. This period pro« mises two distinctive storm parox- â€"4tbe second on and near the 19th. Low barometer, threatening cloudi- ness and rains, turning to snow will pass eastward]: across the country less. rain and snow, passing; east- ward during thél‘Oth, 11th 12th. Each section-western cent and eastern-«will get these changes first in the order named. and in the same order. behind the storms, each sec- tion will get change to rising barom- eter and cold, fair weather. Fix this periodic order of things in your mind, arrange your business accordingly, and you will be the winner. A Regular Storm Period is indi- caeea for the 3nd tothe Tth. Janu~ ary will open cold and fair in Western and central states, with low barome- ter and winter storms disappeang in eastern extranes. Byt he 4th, high er temperature. falling barometer and gathering storms will appear to the westward. During the 4th tothe 7th rain and snow will visit most parts of the country passing from west to east, Electrical manifestations to the southward will culminate on and touching the 7th, after which high barometer. attended by fair and much colder weather, will prevail generally for three or four days. The first three or four days of January are embrac- ed in a seismic period, which is cen- tral onDecember 31, 1910. A Reactionary'Storm Period will bring change to warmer weather, at- tended by falling barometerucloudi- HALTON COUNTY WAS HARD HIT BY FARMERS’ BANK SUSPENSION The Oakville Star says: “Oakville Was much interested in the Lindsay hank conspiracy case last week, be- cause A. B. McGill was formerly prin- cipal of Oakville public school. His friends here did not believe he would violate the law in any way, and as the trial proceeded, it became evident the prosecutors (the Farmers Bank) at once were set on the \defensive. At- ter several days the charge was with- drawn and honorable acquittal) ac- corded. Mr. McGill’s solicitor states that his activity in advising former FarmemxBank customers to transfer their business was to prevent them from probable loss. “This was followed on Tuesday morning by the announcement that the Farmers Bank had suspended bus- iness for cinety days and all Ranches were ordered closed. “This nPws struck terror into the hearts of hundreds of Halton county people, with Milton as. the storm centre. The bank might to some ex- tent have been called the Bank of WEATHER CONDITIONS IN JANUARY FORECAST BY REV. IRL HICKS PAGE 12 '5 an who resolVes ta be happy in a. i“! healthful, unselfish way, is taking :hhe first road toward happiness. the way of laving and helping oth- ers, and have you added anything to the capital stock of your charac ter ? These are pertinent questions g The pessimist delights in derision 50f the good resolutions which mark :the celebration of New Year in the :minds of many people. Shame upon .‘ the man or woman who would dull j theubright ambitions and desires for J the better of any human being. But Fthere is little time to give to hab fitual mourners and augurs of evil The new year will be what we make :it so far as our individual lives gare concerned and the man or worn _‘ ,, _c_., _---v u-uvvu vculcle‘ A new year is here. It is a time ,' m the‘ world. Originally costing some; for invoice. Business men take an in § thing more than “:000: and now 150:l _ , , . ’years old, but still used, more than) V0109 Of thell‘ StOCk. WOUlth 1t b6 ' $100,000 has been paid out in refill“: business for You to take one Of nishing it for the sole occasion when- yourself. Life; each life, is a busi- it is made use of each year. ! ness. Have you gained or lost last A more modern °°a°h could be had: for the cost of five years’ repairs, but‘ year ? H8376 you used the'talents E a new coach would never that have been given you so as to ' same to the London public who llne‘ gain other talents ? Is there any i the Strand 1°? the N°V°mb0r Parades, . :It is probable that the Lord Mayop' prospect of your being placed over V 91 a century hence will ride In the ten cities or five cities or one city? lame equipage, although the coach has, Have you declared any dividends in been repaired so often that practically; the way of laving and helping othâ€" ‘ nothing of the original vehicle re- us only joy and comfort. we part from him sorrowfully, but meets his successor with the ardent hope, that he, too, cames witu blessing. The sober jollity of New Year’s day is always of an impressive nature. It is like standing for one brief mom ent on the threshold between time and eternity. Here is the world we knowâ€"yonder the world that is new and untried. A Regular Storm Period blends with the Mercury disturbance from the 25th to the 30th. This period is central on the 27th. It will culminate on the 27th to 30th in fierce storms of rain, snow and sleet. amounting to blizzards north and west, and bringâ€" ing in a general cold wave that will reach far into the south as we pass from January into February. This is one of those Mercury “sleet god" per- iods, that will give us a maximum fall of the barometer, sleet and storms that will destroy shrubbery, and wires, and open the gates of the northwest for blizzards and‘ cold wave. Aseismic period covers three or four days before and after the 30th The Mercury period it also antral the 3lst, extending eight or ten days A Reactionary Storm Period will result in falling barometer, rising temperature, cloud ness, rain and snow on the 22nd, 23rd and 24th. These disturbances will lead up to the beginning of the Mercury period on\ the 24th, with the promise of a prolonged time of stormy, disagree- able weather. At most, the interval of fair weather will be short after this period. during this period. A very marked high barometer and change to severe cold, fair weather, will follow these storms. Plan for these changes, ac- cordingly as you are located along the line from west to east and ehus outwit the inconveniences and dangers of storm and weather. A seismic wave will pass through the earth during a period of six days, central on the 14th. Halton as four of the directors and 162 shareholders were from this weal- thy little county. A branch had been doing a good business in Milton for some time. The Halton directors are Reeve John F. Ford, of Trafalgar : Burdge Gurdy, of Kilbride: Wm. G. Sinclair, of Zimmerman, and Allan Eaton, of Mt. Nemo. . “All persons earnestly hoped that these holders may not suffer heavy financial loss, and particularly that it may not be necessary to call on the double liability. That is not like- ly. From statements- published it would appear that with the assets judiciously handled they bhould quite meet all indebtedness.” “These gentlemen each held from- five to eleven thousand in stock. “Then the other Halten stock hold- ers have from one hundred dollars to five thousand each. Oakville, Bronte aad ‘Postville do not appear in the list at all, but almost every other point in‘the county is represented. The north end of Peel county has a good representation. us all for an excellent is here. It is v-“ “HJUI ' used in the annual procession has‘ probably had more money expended. upon it than any hoisedrawn vehicle, 2. It is a. time I m‘ the world. Originally costing some-; men take an in g thing more 311L811 .i§’000' ‘and now 150; ”AA..- -1: ‘. happiness. A more modern coach could be had: for the cost of five years’ repairs, but‘ 3 new coach would never seem the same to the Londoh public who llne‘ kL _ RA_-_J p- ‘ __ u- u ‘UVS years old, but still used, more than: $100,000 has been paid out in refur~é nishing it for the sole occasion when? it is made use of each year. i Next spring will see many Glasgow postmen in all the glory of the new double-peaked cap. There is a differ- ence of opinicn among the men as to its beauty and its comfort, but its adoption will not, we understand. be compulsory, as the “fore and aft," as the cap or shake has been termed, will be supplied only to offices where the three-fourths of the staff are in favor of it. The cap has the advantage of being fairly light, with the weight well balanced, the rear peak coming some- what low in order to protect the wear- er against the dripping of rain down the neck, which is the great discom~ fort with the present style of shako. In large cities where distinct offices are established the new style of head- gear will be supplied only if the vote is for the city as a whole. It is pro- posed to supply knickerbockers and puttees to rural postmen who go their rounds on bicycles, an innovation of which it is said the men are unani- mously in favor. Children Cry ran FLETCHER’S CASTORIA Glasgow Carriers Will Have a Double- Peakod Cap year, and then give her gentle words and loving kisses instead. You can thus be consistent with your past record, and possibly be a. better man when another year rolls around. If you find it so difficult to keep: your New Year’s resolutions, perhap g it would be a good idea. to make I a. few bad ones this time, for 3" chance. For instance. you might reâ€"f solve to be cross to your wife (if‘ you have one) evry day during the? new year, look back a minute over the: old year,y loak back a minute over the road you have been‘travel ling the past year. It seemed a long way when you started out, but it has been traversed at last. See the line of that road ever winding on, while twisting here and there. ‘Do you remember that boggy place into which you strayed? How you promised‘yourself in your better mo ments. “I will turn over anew_ leaf Have you been true to yourself? If not, once more before you step out into the pure new year, renew your promises to your betteri nat- ures. Don’t stray, but linger near' the pleasant outlooks, keep'near the bits of high ground where you breathe purer air and can see afar off HeaVen’S'hills of blue, make the motive pure work {or the object. Be diligent in seeking better ways and in twelve more short months, take an- other retrospective glance and see how much pleased you will be with yourself, how much more of goodâ€" ness and genuine worth this world will seem to possess. POSTMEN’S HEADGEAR THE EURO MAYOR’S COACH As you turn the corner into the When you buy, ask for free copy of our book “A Treatise On The Horse" or write us 51 Dr. I. J. KENDALL co.. Mm hill. Vt. Burns, Ont. Sept. 10th 1909. "I have used Kendall’s Spavin Cure and it cures 01d Stubborn 6883.” WILLIAM H. Dom). Keep your horses sound as a dollar. Get Kendall’s today and you will have it tomorrow if needed. 31 a bottleâ€"6 for $5. has been the horseman‘s standby for 40 years and is used all over the world. ncegnot prevent your horses from working. Simply use Kendall’s Spavin Cure. It works while the horse works â€"-takes away the painâ€"reduces swellingsâ€"makes legs and joints sound and strong-leaves no scars or white hairs because it does not blister. Kendall’s _-_/-, Spain, Splint, Curb, Sweeney, Ringbone, Swelling 0‘: Lamerness Spavin Cure himself Douglas Carnegle and 'repre- ites that he I: senting himself he a. Scotland yard Scotland Yam detective, visited Verulam and calledof the deceased. A month or two ago. the papers of this district contained announcements to the efiect that several residents of Verulem township had fallen heirs to an immense fortune, owing to the death of a supposed relative in Aus- “What shall I do?” he inquired, in desperation, of the new-comer. “Climb up the pole and fetch him in,” .was tpedexpert’g‘crggl gnswer. A novice at angling was out on his first fishing expedition with his brand- new rod and other elaborate equip- ment, and after a long day of fruit- less toil he hooked a. salmon. The question now was as to how to land his captive,~,and he had been strug- gling Vainly for some time to accom- plish this object when an experienced fisherman arrived on the scene. The novice had wound in the line tiil the fish’s nose ton-shed the ring at the end of the rod, and he was now.ab- solutely beaten. g The report goes on to remarkâ€"“Ex- perience gained in Scetiand has shown that these institutions for the care and ‘trcatnzent of inebriates can fulfil use- .ful functions. Retreats have been [found to be of value as curative insti- tutions for the treatment of habitual Inebriety, and reformatories have 'been found to be of value (is places zfor the segregation and control of 'drunken pcsts. and to some extent as [curative institutions. The ‘recovery grate' in well-conducted retreats is found :to approach 50 per cent. and that of reformutories to be about 7 per cent. The former figure is a satisfactory one. and sufficiently good to enable an inebriate to enter such an institu~ Lion with a reasana‘cle hope of men‘â€" ery. but the latter figure is small. It xould not well be otherwise, bec use the (-onditians'rcquired for convic- tion under the lnebriates Acts are so severe that the more hopeful class of inmate is excluded." Scotland the Inspector for Scotland under the Inebriatcs Act says that gduring the year ended December 31, $1909, there were in all nine institu- zticns under his inspection, including ithree licensed retreats. {ire certified Hnebriate reiormatories. and one State reformatory. The total number of par- ~~‘ons dealt with during the year was .239, of whom 121 were retreat pa- tients and 118 reformatory inmates. Compared with the returns of the pre- vious year the institutions numbered one more, a new retreat having during ‘the year received a license. but the lpersons emit with are 34 fewer, re.- . treat patients being 1 less and reforma- ‘tory inmates 33 fewer. These figures, Isays the report, show that licensed fretrcats continue to be patronized by ,thc-se seeking treatment in them to iabout the same extent as formerly, but that the reformatcry treatment of Ethe PoliCe Court drunkard is now be- ‘ing lees seldom used. ! In a report to the Secretary for I -.â€"_ “a“- About six weeks ago a man styling In Toronto, where there are few shareholders, and comparatively few depositors, the true significance of 'FARMERS’ BANK OUTLOOK GROWS ’ BARKER A8 MODERATOR PROBBS ON An interesting development in the aflairs of the bank which has come to light from a. closer study of the state- ments, and which has caused a good deal of interest among the bankers who are following the afiair with much interest, is that the Trust and Guarantee Company is a secured cre- ditor to the extent of about a quarter of a million. This, it is understood, is for money advanced to the bank, and is secured by assets deposited with the Trust Company. MAY NOT BE 25 PER CENT. This secured indebtedness is a very serious matter for the bank’s credit- ors as a quarter of a million is going to make a big hole in the assets avâ€" ailable for distribution among (le- positors and other creditors. Twenty- five cents on the dollar was spoken of some daysqago as a possible settle- ment. Now some who claim to be well informed as to the bank’s aflairs declare that the dividend will not amount to that. As to what the exact pos tion is must remain largely a matter of surmise until the interim liquidator makes his statement ‘to the shareholders. In the meantime he is maintaining absolute silence. MAY MEAN MUCH TO FARMERS Tho ln:tituticns In Scotland are of Great Vaiue in the Care and Treatment of Drunkard: Those who have stud ed the Farm- ers Bank statements to the ,Govem- ment say that the shortage will amâ€" ount to something in the neighbor- hood of $500,000. The item in the last statement, under which this would come, would be that in the list of assets which put the bank's holding of railway bonds and stocks and other securities at $650,976. THE LINDSAYiPOST INEERIATE ACTS ANGLER'S ADVICE upon several residents of the town- ship with the yarn that a relative who had originally~ liVed in Australia but who was killed in the Boer war had left an immense sum of money. Mr. Devitt, of Verulam, was one of the lucky heirs his fortune running away up in the thousands. The said Mr. Douglas informed the Verulam- ites that he had beenxsent out by Scotland Yard to locate certain heirs Sir Herbert Tree has a keen sense of humor. The following story serves to illustrate this. Leaving the Carl. ton Hotel one evening for his adjoin- ing theatre. he was considerably sur- prised to feel himself clapped on the shoulder by a young man he did not recollect ever having seen before. and 1 greeted by me pushful stranger (pos- sibly a. chance acquaintance from the hotel) with ”Halloa, Harry!” Turn- ing a meek and retiring eye upon the clumsy disturber of his meditations. Tree uietly remarked, "My name isn’t Harryâ€"it’s Herbert. But you may call me ‘Bertie'!” Sums representing the life toil of ;families in rural Ontario went into lthe Farmers Bank. The farmers put ;their little capital into shares of the gBank and to help the institution al- l ong they deposited their savings from Etime to time. They are now face to Eface with a situation which means to ithem the loss of their homes and their farms. The money invested in vshares is gone. the deposits are not 9 likely to be heard of again. except to ; the extent of 25 cents on the dollar, :and there is the certainty of a hun- ! dred per cent double liability call. To ; satisfy this claim, in many cases, the giarmer shareholders must sacrifice lpractically all they have in the 1 world. A remarkable story was told at Bristoi, Eng: and, when Thos. Burt, 17,! who said he was from London. was re- manded on a charge of wandering with a. boy of 15. A police officer said he found the lads wearing spurs, one hav- Ing his upside down. When he spoke they said they were horse- ~trainers.’ ' and were going for two horses they' had bought. Each had an airgun, re- volver in case, bowie knife. masks and a complete outfit or highwayman. and: ‘penny dreadtuis. " They said they‘ I were going out to the Wild West of l America, and had equipped themsel‘. es : with money stolen in London. I The Marquis de Soveral, represent- ing King Manuel of Portugal, has dc- nied the reports that King Manuel had telegraphed an offer of $500,000 to the authorities at Lisbon for the purchase of the Royal yacht Amelia. The marquis pointed out, says the London News Agency,- that the yacht originally cost King Manuel's father only £60,000, and was now practically obsolete. “At the present moment,” continued the marquis, “King Manuel is not in possession of such funds as would enable him to make an offer of anything like £100,000 for a yacht or anything else. It is doubtful whether the King has at the moment funds re- presenting the sum of 100.000 reis (£22 45.), let alone £100,000.” ‘ Two English Boys Had Made Some Great Preparations Representative of Ex-King Denies Recent Report The Toronto Telegram says : The wreck of the Farmers Bank bids fair to result in loss and suflering, com- paired to which the after efiects of the collapse of the Ontario Bank were trifling. At a meeting of Halton farm- ers in Milton, ameeting held for the purpose of talking over the affairs of the bank, it became plain that the in- solvency of the bank means ruin to nuany ofthe shareholders and deposb tore. the bank’s failure is not realized. For the most part, the shareholders are farmers, men whose savings were not large In many cases they put all they had into stock in the bank and then to aid an institution in which they were themselves interested, deposited all the rest of their savings there. Now- their additional savings are practically gone, and they will be called upon to pay their double liability. For many it may mean the loss of home. and absolutely ev- erything they possess. l t 1" MANUEl NOT RICH lions." the groom A WHITE CANARY CALL ME “BERTIE" Off TO WlLD WEST saw a. couple mar: icd in seem scared?" than is Lsuaiiy the 5A. B. MCGILL “Nothing is known here of man Carnegie, and this Department is not making any enquiries to find relatives in any such cases, as were outlined by the writer. The Assistant Com- missioner of Police of Criminal Inves- tigation Dept. Scotland Yard, says A lawyer was interviewed by one of the Verulam residents and as a reâ€" sult a letter of enquiry was sent to Scotland Yard Agency. On Friday Chief Vincent received a. letter from the Criminal Investigation Depart- ment, 8. portion of which read as fol- lows : Branches of the Bank in way Province of the Dflmkfi‘,'i.- A general banking business transacted. Savings Department at every Branch. BANK OF MONTREAI THE CANADIAN BANK OF COMMERCE Notice 15' hereby given tlut a dividend of one and one-ha 2' w; e ' ' l being at the rate 0! six per cent. per annum, has been declared 0:3 2: a. a: f capita. stock of the Company for the three months ending “:43. m; t: ‘ and that the same will be paya file at the Company’s office on and mi; 'T l day, Janu‘ry 3d, 1911 . The transfer books will be closed from ' “28': l l 25th to January 3rd inclusive. By order of the Board. 1 Cheques and drafts on all countries of the world, draw n in sterling. francs, marks, lire, kronen, florins, roubles or any other foreign Curran}. can be negotiated at The Canadian Bank of Commerce at reasonable rates. The Victoria Loan and Savings Compag W'ith its large number of branches, agents and correspondents. The Canadian Bank of Commerce is able to effect collections throughout the world promptly and at reasonable rates. Rates will be quoted or application. FOREIGN BUSINESS Lindsay Branch: F. F. Loosemorc. Manuger. Little Britain Branch: C. S. Thompson, Acting - : Branches also at Cannington. Woodvillc. Boavertoa. Pafl’erlnvs Brochin. Sunderland and Blackstock. Branches and Connections THE STANDARD BAA? Office Hours : 10 to 3 o’clock Saturdays 10 to 1 o’clock Throughout Canada. CAPITAL - $10,000,000 REST, - $7,000,000 Eastiisbed 1873 Savings Bank Beparfinent a: ' every Branch. Available for Manufacturing and Commercial Houses. Wholesale and Retail Merchants, Municipalities. Corporations, fanners and private individuals. 5'; v.4 . HOWES, Manager Lindsay Bram! Damned Proms .......................... Capital Paid up . SIR EDMUND WALKER, C.V.0., LL.D., D.C.l_, PRESIDENT‘ ALEXANDER LAIRD, GENERAL Mmucsn COLLECTION BUSINESS 1873 OF CANADA A Camplefie Banking Ssrvice a... -.-.c. 0...: on: o:- a... DIVIDEND NO. 34 ESTABLISHED 131 7. ESTABLISHED 1395 PUT your money in the Horn Bank and carry a chequ book in your pocket and you wi} be surprised what a saving wi be made in your expenses. Yo: will then begin paying your ac counts by cheque and what i left over in the Home Bank, a the end of the month, may g: into a savings account ’at ful compound interest. This bal ance will generally represent the amount of money you are no: spending uselessly. he has received three other enquu‘h‘fi regarding probably the same met though under a difierent name , 0a from Toronto, one from Wilton. 0'35 and one from New York. You you“ do well to make this .known through out the province,‘so that if complain? . .. . reaches police they will be in 3905?} tion to act if necessary.” A ' "m," "w" to its to tension: “5“" visa and vitality. Prmgurfilrecay and a mm: ' of! an“ when averted gt .3“ 38 be “no Joann man. nee n x. a Sock-ll fi‘“. «Mtoanyaddm Tho lam-c.0111. For sale at Higinbotham' 5 store. HEAD -‘"'v v- -vâ€" - ӣ39603“ restores Jew nerve in the W n‘h “ran-r fmtim' OFFICE. Electric Restorer for M} Manager Lindsay Brancl LINDSAY. FRIDAY. JA N JAMES LOW H. " B. BLACK 01‘ Canada Manager Lindsay Brand 8 KING TOROHTO 5:. was? $21,381,789 $14,400,360 12,000.000 sense age; 1y. 0! McCan‘ Honda} 0! St. The : librar; room ¢ to elec the ho; Jot Miss MIG