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"Everyone is BOTTLED WARMTH AND COMFORT * Be ready for all emergencies by having a good ps Hot Water Bottle Bp We cave ght s ion a worth : : m the factory. Other Comforts for the Sick ; Poa yringes, Clenical Therometers, Medicine Glasses, Bulb Syringes, Air Cushions. Infant Syringes. ~~ Bandages, Combination: Syringes, Ice Bags, _. Absorbent Cotton Medicine Dropper. ORVAL BYER, FIRE INSURANCE STOCK INSURAMCE, MOTOR INSURANCE, LIFE INSURANCE, Accident Insurance, "Plate Glass Insurance HAROLD W. EMMERSON om PEFRY, ONT. . Phone 151 low-ware French Lace Pattern Design Bol P. N. 8. Hollow-ware Our Repair Department 1s at your service. * 'Stationery School Supplies New Idea Patterns JAMES -McKEE STATIONER 4 Grecian Pattern Flatware Commanity Plate, (Sh Sheraan fattarn) Flatware SILV JERWARE THAT SELLS | . we always d koop nant 2 ul i ment of $i Stock pecif 0 cific Lice) ee ale Dr ommend _of the superiority of these goods. : JUST RECEIVED © A large consignment of dishes, direct from the REE Prices are right. Call and SINGLE OOPIES Bo. No. 8 wheel in machinery. It stores Gp energy and carries an added impetus which helps to keep the machine running steadily. Such a balance wheel is lify in human life. i of a lifetime every man has periods of prosperity and adversity. 'There are times when he can spare something from his income, and other times when every avail- able resource has to be drawn on to meet his needs. It shows the need of some convenient means by which he could store up part of his prosperity to offset his adversity, thereby mak- ing the good years neutralize the bad ones. There is such a means--one that has been tried and has stood the test for generations. That means is life insurance, and to him who takes advantage of it, it acts as the balance wheel of life. - Man goes through life byt once. Happy is he who is wise and provident enough to purchase such an amount of some form of life insurance as his means will afford. He will find it a most helpful, faithful, trustworthy friend. It will help to equalize his triumphs and trials. Life insurance originated in England a little over two hundred years ago; but it was very crude in its operation. During the two centuries which have elapsed, wonderful changes have marked its development. It was not until 1762 that the first Company limited the amount of premiums that the assured would have to deposit. Since that time policies "have been liberalized by granting loans, cash values, extended and paid up insurance, non-forfeiture clauses, and disability benefits. These enable the insured not only to keep his policy in force, but also to protect himself and his interests against the hazards of modern business life. Loss of earning ability, instead of making insurance a burden, operates to provide the assured with a definite income without losing the value of his previous insurance savings. One of the greatest endorsements of life insurance is the" character of the people who patronize it. Inquiry in any community will develop the fact that those who are most suc- cessful are good patrons of life insurance, while the failures are not. 5 The most successful men, shrewd financiers who have every opportunity to purchase the finest securities in the world, take large policies of insurance as permanent invest- ments. Some securities they with the intention of keep- _ing for a short time and then selling at a profit. But they buy life insurance with the inténtion © keeping it as long as they live. = First for their own benefit a then passing it on for the benefit of their heirs. Ny The appreciation of life insurance is increasing all the time. Twenty-five years ago it was rare to find a man insur- ed for $100,000. To-day thousands of men carry that amount, and there are hundreds who carry insurance for a million dol- lars or more. Every soldier who went overseas with the United States troops had the opportunity to carry an insur- ance of $10,000. The proof of the pudding is in the eating. The assets held by the lifd insurance companies of Canada and the United States, for thirty million policy holders, amount to the enor- mous sum of over five billion dollars, and they pay to policy holders and beneficiaries over five hundred millions every year. The relief and benefits which accrue to millions of peo- ple annually through the service rendered by modern life in- surance is beyond calculation or conception. It is sometimes asked--"How can life insurance compan- ies loan money when great banks cannot?' 'The reason is simple. During "panics, banks must hold on. to every dollar "they have got, as there is nothing to prevent every depositor demanding his money the same day, which means 'a run on the bank. There is never a run on an insurance company, be- cause the patrons of it are investors, not depositors. Then again. insurance is usually for other reasons, in addition to savings, and the policy holders being scattered over a very wide territory, have not the contagion of panic. In addition to these points, it must be recognized that [ife insurance is one of the most conservative forms of finance in the business world. Strict laws and thorough Goyernment supervision safeguard its funds, which can only be invested, or loaned on, the best of securitigs. One question which puzzles many is how to choose be- 'tween companies when there are so many in operation. The choice of a'company is immaterial. All companies licensed to do business in Canada are under Government supervision and are safe to ingure with. There is no best company when all : are good. * . The question which is far more important for the pros- © pective insurer to study is, when he shall get insured. It is "well to remember that delays are dangerous. Many a man who decides to insure, puts off carrying his intention into effect, usually from very insufficient causes. If he really : knew thé urgency of prompt action, he would not hesitate. Life insurance companies accept only the very best of ise they could not give the great service that eir records show that one applicant out of every ct Many of these would have been accepted applied a little sooner. One company has just statefhent showing that during 1918 they paid out the year on policy, holders who died within rom. the time their policies were issued. This i mong twenty-seven claims, of who no thin one month of the date of the issue hould make people: think. \. the principle of of the balance - STANDARD BANK HE AD OF CANADA - TORONTO Money Orders and Drafts are issued by this Bank payable in E8T'D 1073 all parts of the world. © 234 PORT PERRY BRANCH H. G. HUTCHESON, pr JAMES WARD . PIANOS, ORGANS and GRAMAPHONES ALSO SECOND-HAND ORGANS PIANOS TUNED MAY 13 and SEPTEMBER Io Bell Phone 94 PORT PERRY, ONTARIO The applicant must not only be in good health himself, but his family history must be satisfactory. A death in the family from consumption, cancer, or insanity, may render it impossible for one to obtain insurance for years, if ever. Ifa man has his health to-day, this is the day to go to an agent of a reliable company and make application, pay the premium and become insured. If it is not convenient to pay to-day, that is additional proof that you need insurance. In these fast days of auto accidents, nervous breakdowns, oper- ations and contagious diseasea, one runs a risk of missing the benefits of life insurance forever, if he puts it off even for a single day, A GOOD PLANK The United Farmers of Ontario have one plank in their political platform, that is worthy of consideration. It reads as follows: '"That every claim for tariff protection by any industry should be heard publicly before a special Committee of Pariia- ment." The theory regarding protection has been that it is necessary for the fostering of growing industries, and the de- velopment of national business. The question that naturally arises is--What industries require protection? and how long must they be fostered before they are able to stand on their own feet without protection? These are surely pertinent questions. If the general pub- lic are willing to forego the advantages of open competition in order that an industry may have the opportunity of getting properly established, then the public has a right to know whether that protection is really needed. Speaking in general terms, aristocracy has gained its power through privileges granted to it by the crown or by the people, In any case, the people paid and aristocracy gained. After a while what was granted as a privilege, is demanded by the aristocrat as a right. and the public continue to pay although the need for protection or special privilege has long since passed. < 3 Publicity would tend to lessen these evils. It would seem unfair to the,consumer that protection should become a settled policy rather than a temporary measure to foster struggling industries. It is quite proper for. the 'farmers to ask--"Do the manufacturers of farm implements still need protection?' Resolution re Prohibition The following resolution was passed by a standing vote by the united congregations of the Presbyterian and Methodist churches at the evening service on Sunday: To the Hon. Sir Thomas White, < Acting Premier of Canada. . 'Honoured Sir; Whereas, The closing of the war is producing fresh problems; and the urgency and necessity of this rescontruction period demands, that every precaution shall be taken to reduce to a minimum the social, industrial, and political unsettlement occasioned by the war; and Whereas, We believe the probibition of the sale of in- toxicating liquor for beverage purposes to be beneficial in-- reducing idleness, crime, and waste; in conserving manhood and money; and tending toward the reduction of the high cost of living; and + Whereas, in securing an impartial expression of the desire of the people of Canada for the continuance or discontinuance of the sale of intoxicating liquors, due regard must be paid to the restoration to civii life in Canada of the Canadian soldiers now overseas; Therefore, in view of the present conditions in Canada, your petitioners humbly pray, that some method may be de- vised, and the necessary steps taken whereby: The provisions of the Ordef-in-Council of March 11, 1913, - may be continued in effect until such time as a vote may be - taken, adequate to express the will of the electors of the Dominion of Canada, on the question of 'making prohibition permanent in Canada. And that the cate at which the vote 'shall be faken shail be, fixed six months prior to the doy. of