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29 SE ST be ¥ BROOKLIN NEWS For Coming Events -- News: Articles -- Advertising -- Church Activities Brooklin Bull Champion in Guernsey Class at the Royal TORONTO--An entry from Roman- dale Farms Limited and G. E. D. Greene of Unionville and Agincourt, Ont., Monday, Nov. 12th was named grand champion bull in the Holstein dairy cattle judging at the Royal Agricultural Winter Fair, Reserve champion was an entry by the Central Ontario Cattle Breeding Association, Maple, Ont. Fairmount Premier Radar, an entry « by George H. Hines and son of Wood- stock, and Douglas Gole and Sons of Bright, Ont., won the grand champion bull in the Jersey dairy cattle judging. An entry by Cecil Mortson and Sons of Queensville, Ont., and Pioneer a Farm of Old Lyme, Conn. was awarded the reserve championship. Betty Has Winner Beecheroft Victor's Thor, entered by Robert Batty of Brooklin, Ont., was judged grand champion bull in the guernsey cattle campetition. The reserve champion, Henslee Farms' D. Doble was entered -by H. 0." Matthiss, Cobourg, Ont. Alderwood: Elegant, entered by Tom Ride of Hatley, Que., was named grand champion bull in the Ayrshire dairy cattle competition, Reserve champion in the class was Woodlands Dainty's Admiral, shown by Richards Brothers of Red Deer, Alta. Ontario County Families i in High Income Bracket Ontario County has more families with .ifcomes over $4,000, proportion- ately, than have most communities in Canada. Also, it is found, the pro- portion with low incomes is below average locally. It appears that the general move: ment has been upward for some time, The result has been that many local families have graduated from their former income brackets and: have © moved a step higher. The details are brought out in a Canada-wide study of income group- ings, prepared 'and copy-righted by Sales Management, It shows, for each locality, how much of its popu- lation falls within each bracket. The breakdown gives a better un. derstanding of the quality of a mar- 'ket than does the term "average in- come." It reveals whether a high. in. come area is so because of a concen- tration of wealth at the extreme end of the income scale or whether it is due to relatively good insomen across the board. - In Ontario County, the general _ level ig high and the spread is good. . Ontario there were 61.5 per cent. Some 67.3 per cent of the local house- holds, it is shown, had cash incomes, after taxes, of $4,000 or more in 1961. This compares favourably with the ratio in the rest of Canada, where only 53.6. per cent of the households were in the plus 4,000 brackets. In Have the gains been real ones down in their effect by inflation: and by increases in the cost of living? Government reports show-that such offsets have been small in the last few years. 'Most of the added-income has 'become available for: spending. The study lists 19.2 per cent of Ontario County's households in the $7,000 to $10,000 bracket. They re- ceived 27.3 per, cent of all local in- come. : Those with cash earnings of $2,600 to $4,000 after taxes, comprise 18.7 per cent of the households. They ac counted for 10.4 per cent of the in- come. : The 67.8 per cent with earnings over $4,000 collected 86.0 per cent of the total. Insurance Firms In Amalgamation The 67-year-old Maple Leaf Farm. ers' Mutual Fire Insurance Company of Columbus will merge with the Lind- say-based Farmers' Union Mutual Five Insurance Company Jan. 1, 1963, At eight minutes after three Fri. day afternoon approximately 180 policyholders stood up in the Maple Leaf office to .approve unanimously the company's amalgamation, "General tone of the meeting was one of resignation, a "no other choice" attitude. § Said Norman Down, an Oshawa al- derman and Maple Leaf policyholder for 48 years: "I never thought I'd live to see this day. But there is nothing we can do." The company was faced with "ex- cessive fire losses" this summer. The total was put at $200,000. A drop in renewals, estimated at over $11,000, 000 (face value) compared to 1969, represented a lost $102,000 in prem- iums, according to Grant Christie, acting president of the company. The only humor in the situation came at the end of the meeting when Mr. Christie asked for a singer to "teqd them in "God Save the Queen". Whitby Township Reeve Heber Down countered with a suggestion that the group sing 'The Maple Leaf Forever'. Actually, the Maple Leaf Company had three choices as outlined in a let- ter from C. Richards, superintendent of the provincial Department of In. surance, 1. Call the premium note. 2. Go out of business 3. Amalgamate. When a policyholder signs for a policy, he also signs a note, the value of which is based on a percentage of his premium. This note may be called at any time on a decision of the Board of Directors. Maple Leaf directors didn't want to call the note. Rate Increase Mr. Richards noted that the comp- Prince Albert The congregation appreciates the two : colorful . baskets : placed: in the sanctuary, in loving memory of the late Mrs, A. Crosier. Those who re- cently gathered offering--B. Marytn, D. Martyn, D. Beacock and Ri Forster. Following first hymn at Sunday School Mr. B. Jeffs: offered prayer. An instructive religious skit was acted by Messrs. E. Martyn, B. Snelgrove, T. Hodgins and A. Martyn taking part. Recent. birthday greetings to Mrs, F. Olsen, Mra, H. Holtby, Mrs, Mildred Hope, Bruce Martyn, Bryan Beacock, Bruce Wilson. Meeting of the Sunday School exe- cutive and teachers recently held in the church parlors which was opened by prayer offered by our minister Rev. E. Linstead. Supt. Mr. E. Martyn chaired the business. Past minutes read by sec'y Don Beacock. Healthy finances re: ported by treasurer Bruce Martyn. It was decided to arrange for Christ; mag concert Dec. 11th. As custom. ary White Gift Sunday on December 16th (a tin of: canned goods, wrapped iVice<President of Oshawa Presby- candy, baking, the kiddies corner and in white paper). A committee named to arrange a special religious program for an even- ing service on Dec. 9; At the conclu- sion the superintendent served coffce and lunch, which was enjoyable, it being a chilly evening. We 'the members of the U.C.W. do appreciate the local ladies and other localities who patronized our annual bazaar which was officially opened by Mrs. Harold Kyte, Blackstock, who is terial of. U.C.W. The ladies browsed around: the varions sttractive booths of home made novelties, sewing, the tea-nook ended the profitable and pleasant afternoon. The G.N.S. Club of eighteen mem- bers and one visitor met at home of Mrs. L. Bond. President Mrs. K. Middleton pre- sided over business. Minutes read by Mrs. W. Heayn. Mrs. Dorothy Hope gave a clear financial report in ab- sence of regular treasurer. A lefter was read from our adopted boy. A dance is still in the air. Instead of customary Christmas gift exchange, each member will invite a non mem- t ' ONTARIO COUNTY Federation of Aptouliure Sponsors CIA CO-OPERATORS INSURANCE ASSOCIATION 9d Urban, Fire 0 AUTOMOBILE Dee. 18/68 Coapertrs Insurance CIA * ETHEL NOFTINGEAM -- Myxtls, 0 FARM FAMILY LIABILITY ; (Liability to employees an optional extension) © ACCIDENT AND SICKNESS ER >. = > ga oe Ontario BEBE é IE 3 ® URBAN FIRE 1:7 ber as their guest to a Court Whist party on the evening of Dec, 8. Mrs. Ivan Parkinson kindly offered her home for same, Liberal lunch served by Mrs. J. Davidson and Mrs. W. Peel. Program in charge of Mrs, J, Brain.' Wednesday night marked the an- nual "Open House" held in the Reach Consolidated School... Parents and friends roamed the classrooms admir- ing the interesting displays. The evening also provided an opportunity to interview their child's teacher con- cerning various matters. We, the public feel the principal Mr, T. H, able, comment for making this ocdéa- sion possible. Mr. and Mrs. R. Butson have re- turned from a month holidaying in Windsor, Detroit and London, Mr. and Mrs. Gordon Andrews, Brandon, Man. were Thursday evening dinner guests with their cousins, Mr. and Mrs. Harold Holtby and family. Mr. and Mrs. Les Beacock and Bryan enjoyed a recent week-end with her sister Mr. and Mrs, L. Devitt and family, Oshawa. Sunday company with Mr. and Mrs. G. Hunter and family included Mr. | and Mrs. L. Glasgow and sons and other friends of Beamsville, Success to Mr. and Mrs, G, McNeil and family who have moved near .Nestleton, Sunday visitors with Mr, and Mrs. N. Wilson and family were' Mr, 'and Mrs. L. Miller, Columbus. : . We welcome Mr. J. Keizibrink back again after spending over three months in Holland, Mr, and Mrs. A. Robertson enjoyed a few days last week with his sisters in Newmarket and Markham, ° HOW TO INCREASE SALES ~A man walked away from a drug sundries counter beepuse four women clerks were go busy discussing some- thihg else' that they did not have Aime to wait on him. The thought is that if three of the four clerks were dismissed there would be both a saving in wage costs and an increase in sales. Reducing coats and increasing sales are both parti cular problems in these times in the retail 'business, Becker and his staff deserve favour-| ER 15 A A Ry] URAL RE Fud PF : A SSE gt 5 2 . of FEE 1] y ' - PLR SIS pitas. PRES EAR) HES FREER CRS RAL EY WRITE are SEAT | any had taken steps to try to improve | its position but that it might be ne- cessary to call 10 per cent of the pre- mlum note. "The directors want to amalgamate rather than do this," Mr. Christie told the meeting. Steps taken by Maple Leaf included a rate increase, cancelling 'poor risks' and 'tightening up' on underwriting. This last is a reference to the recent policy of limiting insurance on a barn, minus contents and Jivestock, to $20,000. Mr. Richards wrote that liability of the Maple Leaf company amounted to "between $20,000 and $30,000". Gross losses, he said, are currently running "in excess of 100 per cent of premi- ums". The agreement to amalgamate was prefaced with this statement: "Losses have depleted apd exhausted the sur- plus of the company; calling the pre- mium note would 'undoubtedly caus: dissatisfaction among policyholders'. List Agreement Details of the agreement follow: ---The Maple Leaf Board of Direct- ors will become honorary directors of the Farmer's Union Mutual and will act as a district advisory board. H. H. McFadden, secretary - treas- urer of Farmers Union Mutual said his company's board of directors will be increased from nine to 12 and the three new ones will be from this dis- trict. --The Columbus office will be used as a district office and will be known as the Maple Leaf branch of Farmers' Union Mutual. --Farmers' Union will reinsure all existing policies in force at the end of this year and assume all liabilities. The Lindsay company will pay all in- debtedness as of Dec. 31, 1962 and Maple Leaf policyholders will get full credit for cash payments. --Mabple Leaf will give to Farmers' lus. Union all policies outstanding on Jan. Bt AREAL SE Fadi HT lds ceria anid £ 1, 1963 and all premium notes, and the right to collect. Also all instal- ments, land and premises in Columbus, agent's contiacts, files, cash on hand, ete. | --Farmers' Union will assume all Maple Leaf debts and liabilities, Gives Reasons William Newman of Pickering Twp. who called himself a "junior director" pointed out that the company grew swiftly after the war and he conceded directors may have been lax, "We have had losses over eight of the last 10 years," he said. "But it was all right because of the reserve we had built up. "We stiffened up this year and some agents stopped "writing" for Fire losses should have gone down correspondingly with loss in re- ncwals. But they didn't." Another director, Charles Hooper, underlined the importance of putting a $20,000 limit on insurance for any barn (excluding contents). = "A few years ago we paid $80,000 on one barn claim," he revealed. "We have been losing insurance in Ly Beet ad Ny i FE RL MUR RITA Tb OSA BEAGLE R, ALT fa dat THE PORT PERRY STAR, THURS, NOVEMBER 22nd, 1962-7 for what someone might have, called 'undue government intervention', the southern municipalities for sony) years", said Mr, Hooper, "The tren " is to amalgamate, for strength. "We were receiviiz monthly state- ments and right up untdl this June everything looked rosy. Your direct- ors have done everything possible over the past two years but unfortunately they were a little too late." Former Ontario County warden Walter Beath agreed with Mr, Hooper that calling the note would be only a temporary measure. Mr. Newman said Maple Leaf pays its agents 106 per cent as compared with 12 per cent paid by Farmers' Union. He said a five per cent pre. mium note call would "put us even but the Department demands a sur- plus so we would need 10 per cent." In reply to a question Mr. Christie conceded that the company was "at the mercy" of its agents. : Mr. McFadden said the Farmers Electrically .... i Union has no desire to expand but . Ax "we understand your problem; we with an..ELECTRIC #1 went through it in 1981, | ) "Mutual insurance is more or less WATER on trial and we think every effort should be made to keep it solid." A Department official present at the meeting explained the province's apparent inaction. "We wanted to give Maple Leaf every chance to make a go and we didn't want to be blamed In answer to a question, Mr. Mec. Fadden said Farmers' Union has an inspector to look at buildings and pro- perties insured by the company. a a a ag] "| -- p---- FREE! Marie Fraser's "Coffee Cake Collection' new recipes all Better with Butte Write today. Two bud Decidin two e one. 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