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---- we » AERL TL Boars SERRA 2 i * %. 4 CT Rats ie * £ & Ws | " me EE ay Ta AT ind A Li: Tobe gh hi nh kw Wh aus Yo 4 {C5 [TA K ots su WES RIS LAY quite know how "to explain my predicament but I have follow- ed your column for some 'time and finally turn to you for help. We have had a fairly good mar- riage for eight years, but some- where I must Have failed.' Ror the past year my wife has said she is confused; she doesn't know whether she loves me or 1lot. She 'takes little interest in "our home, which was once her pride To me she is as sweet as ever, but she often says she can't un- derstand why 1 still love hor, I have never been unkind and, of course, never untrue. 1 am really bewildered. "Recently she said she would like to go away for a while to see what is wrong with her. 1 2 * "Dear Anne Hirst: I don't |; She is everything a man could want. . . . Shall 1 consent, or have you any other advice? DISTRAUGHT HE IS NOT ALONE : Regularly, such letters pass through my desk. A 'man is content with his marriage and takes it for granted that his wife is, too. 'Absorbed in his career, he natices no change in her, and when she admits is shocked and frightened. How blind can husbands be? Some observers contend that the first five years of marriage are the most trying; if a couple survive them satis- factoritly, their future is prac- tically secure. But couples do not get bored with marriage. cannot bear her to leave me, When cither husband or wife senses he or she is being taken for granted, rebellion Smart TV Cover arises deep within, and all the i : efforts they have made to keep Pear iriy Easy to crochet this lovely cover for any size TV set -- in your favorite pincapple design! Crochet Pattern 891: Direc- "No. 30 cotton; smaller in No. 50; larger in mercerized bedspread cotton. Four make a. 50-inch cloth. : i Send TWENTY-FIVE CENTS in coins (stamps cannot be ac- cepted) for this pattern to Box 1, 123 Eighteenth St,.New Tor- "tions foi TV 'cover, 25 inches in T Hi the other happy seem fruit- less, They both want the se- curity "of being loved, they crave unrelaxing attention, tho certainty that in any major disagreement each can de- pend upon understanding and compromise. In other words, they want to trust each other, to depend upon mutual in- tegrity and the common .de- termination to: go ahead to- gether. If marriage really is until death do them part, all of these qualities are essen- tial. So when boredom sets in, wives grow frantic saying their husbands have changed and they cannot say why; husbands sometimes seek new thrills in extra-marital diver- tisements, and both are pri- vately shocked that their marriage needs a shot in the arm to survive. ' 'women who have become dis- satisfied. She has been honest with you, though; other waomen might sulk and hug their discontent to their bosom, but: she has enough courage to confess how she feels. She. has suggested the one remedy that she hopes will -work, a short absence that will; give her the pers- pective to evaluate how much her marriage -means to her, In my opinion, she should i ; ' IRS SE SAA EE TR EE I I I a a I a IE TE EE TE To deny it she may accede with- help feeling cheated. I hope you will consent, and- with no reservations. - No matter how the experience turns out, che will be grateful for your un. derstanding. Based, on hundreds of such onto, Ont. Print play PAT- crises, 1 believe that a little TERN NUMBER, your NAME respite from her 'wifely re- and ADDRESS. sponsibilitiecs will convince LOOK for smart gift ideas in our Laura Wheeler Needlecraft Catalog. Crochet, knitting, em- broidéry, lovely things to wear. Dolls, iron-ons, quilts, aprons, novelties -- easy, fun to make! Send 25 cents for your copy of this book NOW! You will want to order every new design in it, ® FF BB REE RB XE ERE RDB ESD ow her that it is with you she be- longs; she will probably re- turn with her spirit refreshed and a new appreciation of all that your love and companion- ship mean to her. Take the chance, Have faith in her and in yourself to build a future of = new expectations with Biakings Easter, Speedarer with Wonderful New Active Dry Yeast! CINNAMON BUNS Measure into large bowl, 1 c. lukewarm water, 2 tsps. gtanu- she i$ not entirely happy, he Your wife is one of many. 'have that opportunity; if you - out reproach, but she cannot - lated sugar; stir until=sugar is dissolved. Sprinkle with 2 en- velopes Fleischmann's Active Dry Yeast. Let stand 10 min, THEN stir well. Scald 1 c. milk and stir in V2 c. granulated sugar, 14 tsps. salt, 6 ths, shortening; ture and stir in 2 well-beaten eggs. Stir in 3 c. once-sifted bread flour; once-sifted bread flour, Knead until smooth and elastic; place in greased bowl; brush top with melted butter or shortening, Cover and set in warm place, free from draught, Let rise until doubled in bulk. While dough is rising, combine 1¥2 ¢. brown sugar (lightly pressed down), 3 tsps. dried seedless raisins, Punch down dough and divide into 2 equal por- tions; form into smooth balls, Roll each piece into an oblong V4" thick and 16" long; loosen dough. Brush with melted butter or margarine, Sprinkle with raisin mixture, Begin. 1" slices, Pldfte just touching each other, a cut-side up, in greased 7" round layer-cake pans (or other shal- low pans), Grease tops. Cover and Jet rise until doubled in bulk, Dake in moderate oven, 350°, 20-25 minutes, Sgrve hot, or reheated, ® No more taking chances with their leavening power! New Fleischmann's Active Dry Yeast AsY 10 USE! 1 ' OLVING! we PANY BI RISING till the moment you use it. Needs NO refrigeration -- keeps safely in your cupboard. Try its mar- beat until smooth, Work in 3 ¢, more; cool to lukewarm. Add to yeast mix. - ground cinnamon, 1 ¢, washed and - ning at a long edge, roll up éach piece loosely, like a jelly roll Cut into ~ perishable yeast cakes that have lost keeps full-steength and active right vellous results in your next baking. Orater & months supoly/ 3 "Hanover's Wishing Star." KAREN HAS A HORSE -- Karen Ann girl who offered $24.03 -in 'a bid for Nashua, gets acquainted with the handsome chestnut gelding which was presented to her by the Hanover National Bank. Karen named the horse McGuire, the 12-year-old * fresh faith in yourself and in * cach other. If your marriage has reached a crisis, face it bravely and co- operate gencrously. Anne Hirst's long experience is at your ser- vice, and a letter to her explain- ing the situation can guide you to happiness together. Write her at Box 1, 123 Eighteenth St., New Toronto, Ont. Millions in Debt To One Small Boy This wouldn't be a good time, would it, for much activity along -the river Mole and Water Rat adven- tured some lovely years .ago? These are days for firesides ra- ther than "messing about in deep in his underground home, sharing his bread and cheese with friends, not in the least ehromo that hangs on his living room walls. Perhaps Water Rat is there too for a winter week- end. g } How many readers of "Wind in the Willows," how many fans of Toad Hall, know to whom they are indebted for these truer-than-true histories? "Of. claim, "to Kenneth Grahame." But what makes a gigantic lov- er of the outdoors, a prosperous banker, a man 'who refused a .- $250,000 offer for a book to be written by hm, write a story like "Wind in the Willows?" A little boy. That is the only answer, Grahame's seven-year- old son liked his father's bed- time stories so much that when holiday time came round he re- fused to leave home until his father promised to keep him posted on the doings of Toad by mail. Out of those letters grew one of the English-speak- ing world's best beloved books. © Later -- after "Dream Days": Grahame no longer had this 'special audience, he told an in- terviewer "he would rather spend the hours he consumed on a difficult paragraph enjoy- ing the actualitiés of nature for himself. He didn't need money. He didn't want fame. And so the world would not get another book -- not for what most peo- ple would call a fortune. So -- thank you, young man. Since your Dad already had all the money he wanted, we are glad he also had a son. -- "The Christian Science Monitor." ~ Britons Try System Of Mutual Baby Sitting A system of free baby sitting has been launched in Britain. ments for minding babies and substitute instead a simple yet ingenious banking system rath- er like a scoring method in a parlor game, , Those young parents who find the cost of baby sitters too heavy an addition to their eve- ning-out expenses are delighted at the prospect of free sitters-in, Some concern is being felt by their way by baby sitting. But this reporter has just been talk- ing to Universal Aunts one of the organizations which will continue to run their baby sit- report that the demand for paid minders is hardly likely to di- minish, ' The free plan is being launch- ed by the Daily Sketch, tabloid newspaper with a daily circula- tion of just under 1,000,000, Readers are asked to come for- -ward in centers all over the country and offer themselves as "bankers." Each banker will then form an association of, neighbors to carry on the bank, ~ When parents want to go out bank where - boats." And Mole doubtless is" afraid of their opinions of the ---course we do," they may -ex=| and "The Golden Age" -- when It aims to eliminate money pay- - students and- others who pay ° ting on business lines. They ° for an evening they will call the banker who will nominate another member of the bank to sit in for them. The night-out costs nothing in money, But debited with a number of points in the bank. But the same parents .are credited with points according to the hours Each evening the banker ar- ranges baby sitters from his roster according. to his points -score in the bank. The family with the biggest number of debit points, which means the family 'which has al- ready enjoyed the largest num- ber of nights out, will be first asked to undertake baby-sjtting duties, provided they are avail- able, It is contended that the scheme can end muc wearisome tives to baby-sit. Also it is thought that the system will be popular because, besides prov- iding free service, the bank of sitters-in will soon - become known to each other. The Universal -jzation charges a modest sum of two shillings and sixpence or about 35 cents an hour for its that some organizations' charges go as high as four shillings and sixnence. ~ Americans in London that charge moderate compared with perhaps nearly a dollar an hour back home, Do!l Special DOLL CLOTHES EACH FROM ONE PIECE ii 4600 FOR DOLL 147-20" TTALL | otra, Slows ONE ° PATTERN PART tor each item! Dress, cape, hat, over- alls," blouse, petticoat, panties and robe are so easy to sew for your daughter's dolly. Mother, this is the best idea -- let your little girl spend happy hours helping you to make these clothes! Use scraps and rém- nants -- thrifty! Pattern 4600 tall, See pattern for yardages, This pattern easy to use, sim- "ple to sew, is tested for fit. Has complete illustrated instructions. Send THIRTY-FIVE CENTS (35¢) in coins (stamps cannot be plainly SIZE, NAME, ADDRESS and STYLE NUMBER. : Send your order to Box 1, 123 Eighteenth St, New Toronto, Ont, : parents who have been out are they baby-sit. . searching for friends or rela- -our modern economy, Aunts organ- baby. sitters. But it is reported |. find' for dolls 14, 16, 18, 20 inches accepted) for this pattern. Print. Annual Meeting of Shareholders 'The Royal Bank James Muir warns against -pace of consumer buying and tightness of markets in commodities and labour Canada can ill afford luxury of group of sectional parochialism. Diverse climates; cultures and "economic interests present opportunities as well as problems in achieving national unity. Some of the more pressing problems confronting Canada in 1956 were reviewed by James Muir, Chairman "and President of The 'Royal Bank of Canada, in his annual address at the An- nual Meeting of Shareholders held on Jan. 12+ at Head Office. One of the more important of these he felt was the new in- flaticnary pressure: buil® up dur- ing_the boom which character- ized 1955. While admitting there may be some difference of opin: ion on the seriousness of the threat believe there 'are definite danger Sans, not so much in prices as in the frantic pace of consumer buying, business ex- pansion, and the- general tight- - ness of markets in both commodi- ties and labour : ; No modern banker will deny the efficacy of wise central bank policy in curbing inflation," he said. "Indeed, experience shows that monetary policy is more effective against inflation than against deflation. But there are dangers. As I have already pointed out, the policy may go "too far. It may also be unselec- tive, curbing healthy as well zs unhealthy or excessive bank credit. In addition, * certain types of credit, and these bv no means the least inflationary, lie almost entirely outside the char- tered banking system. I should like to nominate two candidates and possibly three for the "at- tention of those charged with. and administering . devising credit control on a selective basis: consumer credit; term loans by banks; and (with cau- tion) mortgage credit. - PROBLEMS OF CREDIT "Consumer credit, or 'buying on time' is an essential part of But, like all good things, it can be carried to extremes -For the individual, to live in" constant heavy debt is. to live in bondage; and the burden of debt is usually the greatest for those who can afford it least: viz, those who need or are attracted by 'no 'down:pay- ment' offers. of durable goods (a form* of long-term investment by the consumer)_ without at the same time a corresponding act of sav- ing. There need be no harm' in this provided the consumer loan is itself financed out of saving -- the consumer then borrows in orcer to spread his own saving over time. But if a great rise in consumer loans is financed through bank credit expansion we - have an expansion not -of. short - term, self - liquidating credit but a long-term loan paid back only. over a long period, and a consequent expansion of the money supply. "Tefm loans by banks to cor- pirstions and. the purchase by anks of corporate serial bond issues are similar in effect to an expansion 'of bank-financed con- sumer credit, and may be more serious in that the" repayment period, may be longer. "Mortgage loans by banks are a. departure 'from traditional short-term bank financing. Long-term investment, this time in a home, is financed without a corresponding act of saving. As a device for expanding home own- ing during a period of relatively slack trade, the NHA vrogramme had many virtues. But with a return-to-normal conditions, and. 'later with a reappearance of in- flationary pressure, continued mortgage lending by banks, to- gether with the other inflation- ary forces, undoubtedly made a contribution to instability in the economy." Posed by the boom, he For the economy ° "as a-whole, consumer credit' re- sults in the production and sale. NEW "BUILT-IN STABILIZER" FOR FUTURE BUDGETS "In all the excitement over -the switch to deficit financ- ing," said Mr, Muir, "one ex- tremely important decision in the realm of fiscal policy went almost unnoticed by the gen- eral public. This decision is all the more important be- cause, unless or until revers- ed, it will presumably deter- mine the overall pattern of federal budgeting for years to come, : "In his budget speech of April 5, 1955, the Minister of Fin- ance said: . 'I propose to recommend to the-house a tax policy and ~ a tax structure that would produce a balanced budget under conditions which rep- resent a high level of out- put and employment.' 'Now a high level of output and employment is' reflected in the figure that measures the gross value of our na- tional production over the year, The new tax policy and tax structure referred to by the Minister of Finance is "geared to this gross national product in such a way that if in any year. the product falls below a certain ideal - level, there will. be an autématic budget deficit. If the national product rises above this level, there will be an automatic . surplus. - And the ideal level of gross national product is apparently 'defined as the level that would have obtain- ed had employment and the rate of growth of the economy been "normal" 'every year since the base year 1953. It may be open to question whether this kind of built-in stabilizer will prove suffi- ciently strong to produce the desired effect; It may prove too passive to meet the crises that lie ahead. It may well be that the automatic princi- ple was adopted: as a device to ensure that fiscal perlicy "would 'at least not__make. I 4 z least be a neutral factor in the short run. Meanwhile, monetary policy with its greatly superior flexibility could be, relied upon to take care of short swings in busi- ness activity and employment, leaving longer run prcblems of economic development and growth to - the Heclserly slower adjustments = throu annual revisions of the budget." : things worse: that it would at '} Mr. Muir noted that the three varieties of credit over-expan- sion might soon become less serious, due to natural causes '1* and to the effect of policies now in "force. Home building construction in general 'would be effected by seasonal factors; term loans by banks and the purchase of corporate securities were no longer 'practicable un- der present monetary policy: and "control of consumer cre it does not lie primarily in the fleld of : banking. War and post-war experience have shown that this by regulation at the retail level, with goad will and co:operation between those who extend the credit and the control authori- ties. There should be nothing, .of credit o6ver-extension that a little. common sense, restraint, and co-operation cannot quickly cure." CANADIAN UNITY While sound 'economic' policy was. a factor in, achieving of Canada i fr eee canbe most 'effectively handled . 'therefore, in these three varieties TOTAL DEPOSITS HAVE NOW PASSED "$3 BILLION MARK - K. M. Sedgewick, General Manager, noted that not on had the assets of the Royal Ban reached the imposing total of $3-- 284,143,865, but that deposits had passed the $3 billion mark, a new High point in Canadian * banking history. "Ten years ago our deposits were $1,888,757,- 074, approximately 61% of to- day's figure, whereas then our depositors numbered 1,555,359 as compared with 2,557,909 at the present time," The bank's liquid position, he noted, contin- ued strong, total quick assets of $1,918,749,579 representing 61.24% of the bank's liabilities to the public. "Our Rest Ac- count has been increased fo $108,000,000 which with paid-up , Capital of $42,000,000 and the undivided profits balance, of $918,000 odd means that the bank now has at use Capital funds of close 'to $151,000,000. 'This is a very strong position indeed." ----- -- - Mr. Sedgewick noted that NHA Mortgage Loans, made by the Royal Bank, now total $100,- 865,965 as compared with $22,- 672,390 the year before. "Other current loans 'also have shown expansion in line with thé higher general business activity and the total at $1,168,559,855 shows am increase of more than $137,000,- 000. in the twelve-month period under review, We are now, in common with the other banks, ' co-operating with the Govern- ment and the "Bank of Canada -in carrying out a policy of credit restriction designed to prevent inflationary pressures. It is im- portant that the timing of any variation in such a policy should coincide accurately . with chang- ing conditions within the econ- omy." ed - Mr. Sedgewick also discussed the bank's # extensive building and renovation programme; Im addition to alterations and im- provements to existing prem 9 new branches were open in Canada in 1955 and 23 new buildings, for opening this year or later, are under construction. Branches now total 851, of which . 14 are abroad. ROYAL BANK ABROAD _--The bank will also accupy new- and more commodious ° remises in Rio de Janeiro short- y and consideration. is being given to further expansion in the Carribbean area. Since the bank began operations abroad .neariy _ B60 years ago, said .Mr, Sedge... 'wick, the- local staff had been encouraged to aspire to senior Positions and this, he felt, had --been_a major factor in the suc- cess of the bank's foreign oper- ations. There was, he said, a need for Canadians in the bank's foreign service and as a conse- . quence splendid' opportunities existed in the Royal Bank's foreign branches for any Can- adian- young man interested in a satisfying and sucessful career in international banking. Mr. 'Sedgewick paid a high tribute .to the bank's staff, which now numbers well over 14,500 "Ve are very pleased indeed to see a rowing number of young-men : join our staff and feel that they ave attractive opportunities ahead," said Mr.» Sedgewick. national unity and well being, sald Mr. Muir, the development of a'broad national outlook and the avoidance of regional and cultural parochialism were also of paramount importance. "The- very diversity. of regional, cul- tural, and occupational interests 'in Canada -that creates and- ag- gravates our roblem 'makes unity an even richer prize tham would otherwise be the case," he concluded. "Ours will be a unity in diversity, with the attendant 'opportunity to take fullest ad- vantage of the division of labour, itself a product of diversity mn culture, in individual talent and skill, in gronp interest and aec- tivity. I firmly believe that this difficult task can be - accom: plished." Love Tokens Love tokens are coming back into fashion, teport some Lon- . don jewellers. More and more teegagers are buying lockets for their sweethearts. Even the very old-fashioned type, with a lock of the loved-one's hair on one side and a tiny photograph on the other, is returning to pop- ularity. This news' would have pleased our great-grandparents who lov- ed wearing love-charms and to- kens and believed that they en- sured wedding bliss and warded oft danger. A / But great-grandma would' probably have been shocked to hear' that some American Ser- vicemen who have done a spell of duty in Britain have recently been giving their U.S. girl friends policemen's old helmets as love-tokens, . Police forces which have dis- carded the helmets have raised no objection to: the sales, pro- - vided the badges are removed. """iOne of the strangest love to- kéns was that carried by a yoyng . Italian wherever he travelled in Furope, It was a tear-stairied pillow sent to him by a girl to marry him. When the pair later eloped, they took the pil- low with them to their honey- moqn hotel. They say they will treasure it for the rest of their lives, - ' ~ At the wedding of a pretty Chinese girl in 'London, in 1954, the bride carried a 'teddy bear, her ftancé when they became engaged. : ' GOOD BOOS He had been billed as a come- dian at the local amateur vari- ety concert, but his turn wasn't at all funny. It was so bad that 'the audience began to boo him as he left the stage. Undaunted, he was about to return to 'take a bow, when the stage manager stopped him, "Listen to the booing". he said. } ; "But I. can hear some clap ping among the booing," said the determined 'amateur, | : "Yes," retorted the exasper- ated manager, "but that's for the booing.' L __ _________ _____] ISSUE 4 -- 1056 . whose father had forbidden her a love-token given to her -by . 20,0000 MILES WITHOUT AN OIL CHANGE POS-MET calclum oil drain plu, all makes and models by simply placing present oll drain plug in cra case, developed b. he ATIONAL RESEARCH Counc? or CANADA, $3 each. Phone or write. H .& S. Distributors Room 310, 129. Adelaide St. W., Toronto, Ont, ! 'Telephone EMpire 3.6794 + Salesmen -Wanted--Full or part ting, | EZ 2 LEARN EZ 2 READ This ABC System of Shorthand enables you to qualify for a -Stenographer in 10 weeks homd*study. It's approved. Free folder illustrates with- out obligation. Write: .Cassan Systems fl 20 Spadina Road Toronto.