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“We Canadians are industrious, prosperous people, but we can’t be described as a. thrifty people. The Imperial dictionary defines “thrift” as "economical management in re- gard to property, economy, frugal- ity." As a. people we are not thrifty in the true sense. We do not manage our property â€" our incomeâ€"economi‘ cally. We live for the present only, live for today. and like the animals, do Int tthk of tomorrow. To us it. is always [in weather, no signs of dire weather, and, therefore, we make i no provis‘on for a “rainy” day. Ev-g ery w.11 managed financial institu- ; tion prosides 3 reserve. How many: of ozr Canadians in a thousand: make a similar provis‘on by pracâ€"' fixing thrift. and providing a little‘ nest egg to hatzh into comfort? In View of the fact that mnwca‘ Board of Education recently took up the question of penny school banks, the following from the Peterboro Ex- aminer will be at interest: when in heatth or other misfortune cuts off the income? France owes her strength more to the thrifty ha- bits or her people than to bar fleet alga army. We need to cultiVate the sp‘irit of thriff in an: Bitizens and i0 do this we must begin young. Penny banks in scnools have two advantag- EBISSELL Carpet PENNY SAVINGS BANKS IN SCHOOLS DEVELOP HABIT 0F SAVING AND THRIFT COUNTY COUNCIL AND MISSING CEMENT ' WARDEN T0 III RAVEL TIE MYSTLP Chairman Michael said he would again take up the Cob-oconk bridge report, and if possible complete it. The report was then read and notice draWn to several items and explainâ€" ed. The Engineer's letter was then read and again it was realized that some 13 bbls. of cement and 219 sacks could not be found out of the 960 shipped. An explanation was sought from Reeve Richman, not from the idea of him being mixed up in the matter, but because he had been on the committee. MR. RICHMAN EXPLAINS Friday afternoon. At two-thirty o’clock this after- nooa the committee on Roads a-d Bridges met for the final business, Cbunty Engineer Smith being pro"- ent. here on Tuesday, and I arranged to get here on Friday. I see that cer- tain statements made by Engineer Smith are misleading- I was tow Mr. Richman Saidzâ€"It was altoge- ther unexmcted that I did not get Many Styles to Choose From BUY EAR,LY_ The New Universal Sweeaer (A Gen- uine 1’;i35€“) unly for about 8 days. It was $2.75 each PAGE mm Undertaker and Embalmer, Ughoistcring ; FURNITURE ee our New Stock of Comfortable Arm Chairs, Morris Chairs and Ruck rs- Also our comolcte line of Couches and D -venports. Our Fail stock of Bed Room Suns is very large. “’6 carry the best lines of S nines and Matt- tresses as well as the Che .per grades. It will pa" yov to see our stock before you hu-I. . E. TANGNEY ZCu'SB's‘ fact that Linica' Sweepers! Christmas is near at hand The perplexing qua ticn fol lows, what can we buy? Which shall be most suitable '2 A 8| .3 LL SWEEPeBis eieza tzy made, its cost is moderate and is euerlastingly useful. ty citizens, and become depositors in our chartered banks. The City of To- Eronto has the penny savings banks ‘in its schools. During the past Ethree weeks there has been deposited in these banks $7, 457, and there has been withdrawn, no doubt to meet family emergen" ies, $4, 038. That means nearly $8. 000 saved from waste and devoted to useful purposes. We once had the system nearly estab- lished in our public schools, but the School Board weakly dropued the idea because the teachers claimed that it would add to their work and prevent devotion of attention to other branches; 9, weak excuse since es; they encourage the laying by of small sums which in the aggregate are often the bulwark between the family and distress, .and at the same time develop the' habit of saving, and tend to insure a thrifty adult population, who will be steady, thrif- no better lesson could be taught than the lesson of thriftâ€"which is making the proper use of the means that come into our possession. There ing gdod, careful, economical citi- 2ens that would, from wasteful ex- penditure, never become objects of charity. are subjects taught in our schools that could be neglected to less dis- advantage than the subject of mak- stood that Mr. Callan and Eng. Smith should purchase the cement. Only one committee meeting was call- ed, leaving all the business to the Warden and Eng. Smith. I did not sell any cement to any private indi- vidual or any municipality. I asked time books. Mr. Richmanâ€"I offered Robertson $16 but he would take nothing less than $30. I was not foreman, the first was Kelly, the second McArthur and I filled his position for 8 days because he stopped to work On an‘ other job. my pathmaster What cement had been purchased, and he said he was not sure, but anyway some cement had been returned. If Eng. Smith had used 2 incnes of stone covering, it would be a. mud hole now, and we used four inches. There was a. short- age of half a. car. Smith ? Smith -- Should you have be- !oreman without consulting you appomt Ronertson, Mr. n2 ; nd P cturc I ramin asked him to look after the Have Your Choice set aside now BaUBearing Sweep era as Grand Rap- ids Bmxdour Prin- cess. etc. from LINDSAY East Reeve Ricpman â€"- I felt satisfied that it would be satisfactory to the council that I acted as I did. I have not yet put in a. bill. If there is any cement missing or sold to any par- ties in Gobocon'i, the county has no thing to do with it. Mr. Smithâ€"I did not know who bought; the cement this year, and I want to know who ordered it, and what has become of it. anyone ? ”r. Richman has cleared up the troubic con-ezn‘ng him taking the toreman‘s place. Mr. Field'na's accm'nt was for 51} hbls. of Cement and 25 hbls., but the council could not ascertain who ord- ercd it. so _Mr. Fielding was tele- phon d at Cohoconk regarding who ordersd the stone. In the construction of the walk at Coboconk, which was 200 feet long, the contractor was to get $4.50 a day without furnishing the materials. The deal was made with the path- master by the contractor. McArthur. The whole sum was to be $200 for the job, if that would allow $4.50 a Reeve Richmanâ€"It is plain to me that Mr. Smith should have checked ofi the cement before paying. Eng. Smith â€"-â€" There should have been more meetings to have difficul- ties arranged. Mr. Morrisonâ€"When you saw things wercn’t going properly you should Wardenâ€"I can see that. the point is not wor h \vrnn'fline 0'rer. I believe Mr. Richman replied that Eng. Smith had told Ro‘erx‘son to ' give him (Rirhman) authority to order it when mcessary. I ordered the stone. There were a couple of bars of ca ment used to build a pier for a glance boom, and that was all I had anything to do with. Eng. Smith me not tell me to put 2 inches or 4 in- ches,or any other amount of atom“ upon the bridge. The Warden â€" I looked over the store of cement, and there seemed to be a quantity there, and it we well covered with tar paper to pro- tect it. The storehouse was open when we got there and had been done so we could get in probably. Eng. Smithâ€"Forty bbls. were se- cured in the score house one winter, and next spring there was no brea" in the pile. 1 instructed the foreman to keep track of the cement and the Dr. Sims thought when the facts were ’boiled down that the 1083 would be small. Mr. Richmanâ€"The bridge was not on as far as we believed in the spring of 1912. Warden to Eng. Smithâ€"Why wasn’t the bridge farther on ? Mr. 'Smithâ€"I estimate it by cal- culation. Mr. Bottumâ€"Did you see the ce- ment was there before you certified to the account ? Documents showed that Mr. McAr- thur had purchased 55 bags of ceâ€" ment from Mr. Robertson on the 12th of July and this might account for the discrepancy. But sacks had been lost to contain 54 bbls. of ce- ment, and that is quite a number. Mr. Smith â€"â€" When my back was turned things went on that I knew nothing about. You understand my situation. Mr. Dob'Sonâ€"We do, all right. Mr. Richmanâ€"Mr. Smith should not have put his name to the acâ€" count until it was checked. Mr. Fielding was heard from, and he Said the cement was ordered verb- ally by Mr. Mcjlrthur. The first or- der in 1912 for cement was on Jun~ 7 and it was paid on June 11th. The next order was for 25 bbls on June 15. Mr. McArthur was paid ofi 15 days later. A car of stone arrived Mr. Vanceâ€"Why did Coboconk get mixed up with county work ? 0n closely examining records, maâ€" terial was bought on May 3rd, June 19 and 26, July 2nd and 5th. Wardenâ€"We can’t even account for the 'empty sacks. If it were not re- ceived it could not go into the work. Mr. Richmnâ€"He has nothing yet to prove'that the cement is actually missing. on June 19th and another before July, another on the 4th of July, and later 611 the 8th. Mr. Richman commenced work in July and put On a couple of the cars at least, which probably were those arriving in July. Mr. McKeeâ€"How do you know the amount used ? Mr. Richmanâ€"More cement used in construction might account for that missing. Mr. Smithâ€"I used 1 to 3 of cement and later on calculated 1 to 2 to cover any possible error. Mr. Devitt-I do not think the or- der for cement should have been paid until everything was sure. Ward‘nâ€"I think the foreman should have certified to it. Mr. Smithâ€"No, I saw the shipping hills showed it was there.‘ Mr. Smithâ€"My formula was the outside limit. Mr. Richmanâ€"Mr. McArthur alwayc used a. very heaVy ambunt of cement. They were not, repliaa Warden Steele. JIANILLA - ONT: ooooeeeoooeoaoaoooego3 090 *2 The account of $186 for painting the bridge at Fenelon Falls was or- dered to be paid in full. Other accounts were checked aver, and passed with explanatory re- CURRIEâ€"At Hartley. on Tuesday, Nov. 19th, 1912, Barbara Currie, mother of'Mr. D. Currie, of Lind- eayfaged 88 years. The council has been very strict to see that _no councillor should receive more than $3 on committee, and this case appeared to be within it, so that amount alone will be paid. W The stone arawn and placed upon the bridge cost $8.88 a. cord, showmg; a. heavy expense for broken stone as a bridge covering. have called a meeting. Mr. Smithâ€"1 had no authority. Chairman Michael believed there was no way of obtaining any further information without seeing Mr. Mc- Arthur. Mr. Richman, in regard to receiv- ing $4.50 a. day instead of the usual $3.00 said he had done the work of Mr.McArthur and he supposed it would be satisfactory. For work he had done other places he knew he was entitled to $3 but in this case he thought it was dificrent. DOCTOR-S CUUU} NM HELP MY KIWEYS The Warden had asked for an ac- count of the cement from Mr. Smith. The latter had not been able to get all the information on account of the failure of a man to keep his apâ€" pointments, and did not give the in- formatiOn to the Warden. Mr. Fee asked whether the $10,000 debentures for bridge had been used up, and was informed that it had been far exceeded, Mr. Southernâ€"Want changes were made in the bridge to add so mych to the cost ? ’ Mr. Bmithâ€"The important mater- ial that was not on the ground was sand; Some of the work I took to piece-s, as it was most carelessly done and rushed through. It was such things that cost. \ 'VVVVVVV vvvvvvvvv Just received a new stock of ' Watches. Ladies’ and gents’ Chains Special value in new and o . up-to-dute Brooches, Brace- : Q lets, Wedding and Gem : 2 Rings. 0 004 All work will I-eceivp my czu-e- ful and prompt attentum. . Mr. Graham moved that the War- den should look up and settle the af- fair. Seconded by Mr. Robertson. â€" Carried. “For over twenty years, I have been troubled with Kidney Disease and the doctors told me they Could do me no good. They said my case was incurable and I would suffer all my life. I doctnred with different medical men and tried many advertised remedies| but there was none that suited my case Nearly a year ago, I tried“Fruitâ€"a-tives". I have been using them nearly all the time since, and am glad to say that I am cured. I have no trouble now with my Kidneys and I give “Fruitaâ€"tives” the credit of doing mlmt the doctors said was impossible. I am seventy-six years old and am in first clacs health." GEO. W. BARKLEY. 50¢ a box, 6 far $2.50, ““511 sire 25c. At all dealers or '51 at on 1eeeipt of price by Fmit-a-tivw '.§ uited. Ottawa. Woodvilie. Funeral took place Thursday, Nov 213?. to Smith’s cemetery, near CJmSTERVILm, ONT.,]AN. 250.1, 191: “‘Frufl-a-fives“ Cured Me THE LINDSAY P08 ; . WHHESMETH Mn. GEO. W. BARKLEY HOME continued from page 9. THE MASONRY Williams Bros.. Lindsay, had me contract for the masonry. and it goes without saying .that an excellent .1!) reSultd. The cement blocks for the foundat'on were made on the ground by the firm. ‘-fi oakwoqd cm ITHE VICTORIA LOAN ‘ w§~niif3mdj and SAVINGS COMPANY STEEL ROOFING The roofing is of the Pedlar steel brand, manufactured in OIhawa, and gi es the structure a. good appear‘ ance. His first appointment was the town of Peterboro. He has occupied some of the leading pulpits in the Bay of Quinte Cont-er ence and is now stationed 1n the beautiful village of Norwood, in which place there is one of the finest shurch properties in the conference. \Irs. Copeland, the W1fe of the presâ€" ident, is the daughter of the late Sydney Barclay, well known to the elder citizens of Lindsay. In 1872 he entered _ the ministry of the Methodist Church. having been re ceived by the Conference that was held in Cobourg that year. CREDIT T0 ARCHITECT The handsome church is a credit to the am h1t:ct, William Taylor, of A1- landalre,’ who has been the recipient of many comniiments. '1‘th is the twen‘y fourth church built by Mr. Taylor. NEW SHEDS NEXT YEAR. In all p'O aaili ty n~w clos d sheds to re7 lace the nrescnt old arms in gear of the church, will be built by the con~regat>'on next year. Rev.. G. H. Copeland, President of the Bay- of Quinta Conference, of the Methodist Church, is an old Victoria. boy, having been born in the Town- ship of Mariposa. In early life he graduated from the Normal School in Toronto and mug-ht in a. school in Maripoea for a few 19., $5.00; White Wm., 75.00; Wilson G. 1-1., $10.00; Weblyer Ernest, $25.00; nght Wm. J., $20.00; Walters Fred, $5.00; Weldon Harold 8., $3.00; Wel- don Frank L., $3.00; Weldon John, $3.00; Weldon Geo., $30.00; Widdess W R., $10.00; Webster, Mrs. R. G., $15.00 Weldon N. E., $50.00; Webster Percy, $10.00; Yerex Mr3.'E. 0., $10.00;. Mc- Laughlin. Mrs. R. J ., $50.00; Michael J. 1., $5.00; Mitchell Miss Etta, $10.00; Miller Miss, Rosa Memorial Hospital, $10.00; Mitchell Addie, $5.00 Mark J. W.. $30.00; Nokes Mary E., $30.00; Nichols, Mrsf D., $5.00; Parl‘ lament Bert, $100.00; Prouse Wm., $20.00: Purdy, Mrs., $10.00; Parlmm- ent, Dan, $25.00. The foflow‘n'r are a 1is‘c of the sub- scriptions received at the opening of the new Methodist Church at Oak- wood:â€" Armstrong Etta, $2.00; Adams D, $10.00; Archer Rev. Jos,‘$5.00; Brass J. F., $200.00; Barclay Mrs, $10.00; Birchard A. A, $10.00: Bowes Jay, $3.00; Brimrnell Harry, $15.00; Goad J C, $250.00; Goad F. P, $100.00; Curtis Thos, $50.00; Cory Thos, $5.00; Col- well Geo., $5.00; Goad, Miss M. J., $10.00; Cruess, Mrs 13., $30.00;, Goad, Item. $75.00; Coppiestone Harry $5.00 Davies C. A., $60.00; Davidson T. A., $25.00; Epworth League $270.00; Ev- erson Lufiey, $5.00; Friend $100.00; Ferguson 12., $50.00; Ferguson Simon, $5.00; Fowler W., $50.00; Graham W. 13., $200.00; Gilson Melville. $100.00; Graham W. M., $5.00; Graham Geo., $30.00; Gilbert W., $5.00; Gorrill John 310; Gcrmll Jessie, $15; Hardy A, $3; W. EX, $250.00; Hogg A. 0., $500.00; Harcus David, $150.00; Hancock J. R., $10.00; Sparling W. 13., $10.00; Switzer Mrs. Norris, $5.00; Sloggitt Wm., $25.00; Swain J. Mu, $5.00; Short Eli, $25.00; Switzer Norris, $5.00; Sloégitt Mrs. Wm, $5.00; Smale Newton. $10.00; Tin-may J. 8., $250.00; Taylor James, $100.00; Tinney Herb, '07., $100.00; Harcus Lizzie $100.00; Hancock Earnest, $15.00; Hardy How 11rd, $5.00; Irwin Mrs. Dr., $10.00; Jenkins Chas, $200.00; Jen‘~'ins Ha: 01d, $3.00; Lonsbcrough J. B., $25.00; King Huch. $100.00; hing Fran", $25- 00; King Miss C., $25.00; Ladies Aid $500.00; Lane Wilbur, $150.00; Limbert Horace, $5.00; Limbert Rev. Mr. and Mrs., $35.00; Lillico Elmer, $10.00; Lane Fred, $15.00; Lee John, $100.00; Richardson T. 11., $250.00; Rich Wm., $100.00; Rogers E. R., $100.00; Rodâ€" man, E. P., $75.00; Rogers David, $25.00; Rogers Edwin, $10.00; Rogers Hiram, $10.00; Rennie G. B., $1000; Rich A. B., $50.00; Richardson Mrs. V., $10.00; Rogers W. B., $25.00; Bog- ers Mervin, $25.00; ReeSor W. B., $10.00; Rich Richard, $10.00; Rich Mrs 13., $250.00; Weldon Caleb, $230.00; ll’ebSter Mos-es, $200.00; Webster Wil- mot E., $200.00; Webster Thos. J., $100.00; Webster Albert 11.310000; Weldon J. B., $75.00; White Albert, $50.00; Weldon Mrs. Orson, $15.00; Weldon Orson, $50.00; Weldon Ewart 33., $5.00; White Wm., $75.00; Wilson G. 1-1., $10.00; Webber Ernest, $25.00; 13., $25.00; Tre‘theway R. 13]., $5.00 Webster W. H, $250.00; Webster J It was ‘3. singular coincidence that M BCheme was yellow and white. . THOMSONâ€"GREENWAY 'brldal march was mm by 3“” A very pretty Wm took Place Jean Kilvingtor: . of $3. amen. on Wednesday, November 20th at the The groom 's :25: t l the bride 153% residence 0! Mr. and Mrs. Richard a pearl necklace, tr the 1:12.15 '1 Greenway. Little Britain, Ontario, honor a pearl bar pin to the «'1'00255 When their only daughter. Edna Alice man a. gold seal {02: to ‘11? 9*" "‘t was married to Mr. Ja es Hossie a gold bar pin am; to 11> ”0‘" Thomson, son of the late Walter girl and ring bearer geld rinse: A Thomson: of “Inglewood.” Mitchell. The bride's gains: away ‘fmm The bride was given. away by her Was black arid View at: rc‘w. 3“ father, in the presence of the immeâ€" to match, and um}: fz‘rs. 5-“ diate relatives and a, few friends, and Mrs. Thom: :2. 3: ft. :‘C‘ ”“335" ’the ceremony Was performed by Rev. train for Fir-nix? (4:3 k l ‘1 3x.‘ ‘J. Robins. -» 3: 1f " will on th ir r‘t'?" l The bride looked sweet in a gown wood,“ 3333 3 :v‘ ("231 or c. The bride looked sweet in a gown wood," Hit of ivory duchess satin trimmed with " rose point lace and pearl ornament A smut I (mob cap and ve‘il with orange blos- hang in the The emuloyment of on: ’3 savings is a most immna a: ation- Securm, :rc fit and Convenienceâ€"1h:- essemi .1 r: Secured ,0 our 031mm *0 an unusualIdegrcc- Yt u : r: invited to open an amount M” U Though forty years in the ministry he is still active and seemingly good for years of eel-nee in the future. ‘He dedicated the Church Sunday- morning, addressed the Sunday School in the afternoon and preached in the evening. c. E. WEEKS, '2) THE The Canadian Bank of Commerce extends to Trim every facility for the transaction of their banking busizzcs;, Enigma the discount and collection of sales notes. Blank notes are supplied free of charge on application. 55 CA?ZTAL, $15,000,000 r. r. LUUDLMUKL. Elanager. “3mmzhes a?” at Beaverton. Bkcbtock. Ercchin. Cannhzzton. D: Manager). Little Britain (R. H. Shortf. Managerl. Nestleton 3 3 gamer). Pcfferlaw. Sunderhnd md W'ood BANK Capital a" a Reserve @F‘ @AMADA fieAD OFFICE 35:2“ be 91mm.- TORONTO LENDEA: ERANCE H. B. Black - Manager Lindsay Busch SIR EDMUND W’ALKER. C.V.O., LLD, D.C.L.. Pres SANDER LAN-2D JOHN AI??? General Manager 5.5535323; (:3) c ulna.“ 15E BANK OF MONTE 1-2.. INCORIUBA'] FD RY AUTO? PARLIAMENT ESTABLXFI?) Lindsay Branch Established AD. 1858 FARMERS’ BUSEN‘ZCS . HGLMES, Manager isnéca ,rch OFFICE HOURS : 10 to 3 o'clock. Sum-liars, 1'} t ; I 3 CANADIAN BANK 0E? COMMERQE Paid up Capital..,$16 000, GCC Rest . . ...... $16 ,GCO,CCG Undivided Profits . . . . $802, CECE; F""1\ drscrlntivs‘. 0f Banking bU‘i,‘ F transacted. bay mg: Degnnment at eve Bsanch. mm mmmn 5Tb I'M INCOR PORATED 1895 M a na ger F. F. LOOSEMORE. Ma. hec in every PiOVinCC of We ‘ every Imgmrtactcuy of the I N' wfounoiand, Lm~don, Eng? NEWTON SMQL LINDSAY ann is an ad 'antage svneflzmea '~ keep a bank acccumm in: marry; of two persons. so that ether 0:? may make withdrawals. Such an account is called a "joint acccunt," We. shall be pleased to fuxnisa pa:- tied sweet red pepper shou * in the canary’s cage. CT 13’!) ': 1, g);.’.,/ Sagan. Dunsfcrd. (9 r 334802.0w Luv U {avâ€"'o and White cut velvet. . , and mink furs M; n mscu left on the (New Montreal and Quebe" a‘ [air return 1-3st19 at *Ingi itch-en. Untam- H”. 1 tdvillc. rsidest “'5‘ are WW :8? b Foduce ;; ‘33:! man mango? t1 aux-cam El by 1335. Brandon. 3 home in '1‘ Mable tim Show .is gddms If- Ex: Doxs‘ (Janie M04 :tSnn Sixty Pearce: bree