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lndursty.â€"â€"We need to recognize anew-the necessity of work and more work. livery boy delights to make things and do things. There’s a real fascination about production and building. seeing things grow. Hard work is one. secret of getting on. Six times as man; sons of farmers and ministers are bank managers as sons of bankers. They learned to work. and depend upon themselves. Health and pm'erty are better than a home of Wealth for a boy to get. on in the. “WM: I, 4 TH}: RELATION 0F RELIGION 'm PROSPERITY Last Sunday Mr. Smith spoke on ‘ PM 2‘. lation of Religion to Pros- peritx hill: Personal and National.’ The l: n »i~: of P1 overhs sug Wests mam iules and methods for success and business men find them instructive even in the twentieth century. Many writers of books and magazine ar- ticles have tnlc'l us the secrets of success as illustrated in famous lives. Hahson. the great American statistivian. has gathered these rules under six headings: liitvgi'ity.-â€"'I‘lie moiloi-n usinoss \Vtfl'ltl is built on Faith in each oth- m‘s' hnnnsty. Much of the trade ilnprossinn is due to susoicion and fear that the other follow is cheat.â€" in. 3an quit buying. ' Win-n all 1111‘ (tontitlé‘nt that business is being con- t.lllt'tt‘t,l on a legitimate pi'otit basis. than will business plt’k up. Honesty is so necessary in the relations (if life to make the» social and economic machinvi-y run smoothly. We want. tlw nun who works for or with us in lw honest, tho man wo «lo busi- nuss with. tho potiple we liw with. lizinii vaults, stool boxvs and doors. [nSpil'MiOH .â€"-â€"Hmu\ hmugp walk- Pd tho S‘H'm‘iS 0f .\0\\ \ tlbx’iw-hn. com- parpd hast Side and Filth Awnueâ€" he def-idnd to study the Pcnnnmic systvm which pmdncmi such an an- omaly. It came to him as a call. He gm 0 Years to stum and mastm‘v of economics and \VI 020 a book that has been translated into nearlv all mm!- Intensityâ€"JPN ability to cnncon- frat». tn mastvt' subim'l Hr machine. to She‘cialiw until Mn» PXCPIS. The man who specizilizvs must success- fully will lmd his jnl) saw. and his pay higlun'. Initiativeâ€"Nu man wants to have to tell the hired nian everything he is to do from min-ning to night, and then repeat it all the next morning. Every man onght tn be able to (in a little thinking; for himself and the man he is \vni'king for. Everyone can use his brain tn save steps, to simplifv \vni‘l', tn “wipe! ate with utheis. to plan new en-t hette I‘ \v ays and the one w ith lllttrl initiative w ill rise, the tastest and travel the farth- est. (in the mail to sum-e53. intricate locks. all are \\-':;u'lllloss wimnut an honest. man to guard the-m. 'We eat out. of cans wumler- ful mixtures. We ridv 0n trains. “'0 .1.) business and risk ftn‘tunes through scraps of paper. relying on ilm honesty of ten thousand «mlinary mon. Common honesty is tho cvmrnt bimling toghthor of our social and industrial hopes. And no honesty is safe against the trials and temp- tatitjms of modern world unless 1‘00!- in raligion. Intnliigmwo.â€"-5Fhis‘ is not more" knoxxlmlgo ot fzms. but umh rs tand- ing at the aim nf facts and judg- ment in using thom to carry out purposn. PAGE SIX. The Royal. Bank of ’canada ‘ - Open Savings Ac- counts for each one of your children. Insist upon regular deposits from pocket money. Thrift will gradually become a. strong trait in each child’s character. Teach Your Children the Valun of Money There is a. branch of this Savings Dofiartmont at ever," Branch. Total Assets Over CULTIVATB TASTE . ran coon READING "If I were to pray forataste,’ says Sir John Herschel, “which would stand me in stead under evâ€" ery variety of circumstance, and he a source of happiness and cheerful- ness to me through life and a shield against its ills, however things might. go amiss and the world frown upon me, it would be a taste for reading. I speak it, of course, only as a worldly advantage, and not. in the slightest degree as superseding er derogating from the higher office and sure and stronger panoply of religious principles, but. as a taste. an instrument and a mode of plea- surable gratiticatirm. Give a man this taste. and the means of gratify- ing it. and you can hardly fail of making a happy man. unless, indeed. yull put into his hands a most per- verse selection of books. You place him in contact with the best socie- ty in every period of history; with the wisest, the wittiest, the tender- est. the bravest. the purest charact- ers_that_ha\'e adorned humanity. You 9 make him a (leuizen of all nétions, a cuntonun‘n'ary of all ages.’ All these qualities have value ac- cording to the standard of the man-â€" or his soul. A man of the right calibre can follow these steps to suc- cess, but the manhood of the man depends upon religion. Soul is more important than method or machinâ€" erv. ern languages and is read in all civ‘ ilized countries. The venture has a political look. The idea evidently is to gain a repu- tation for economy by borrowmg needed funds. at a ower rate than is possible by sale of bonds and to cuiâ€" tiyate the farm vote by offering pre- ferential consideration. The "Uppoâ€" sition” will have to keep a pretty close eye on this business. The history of public ownm.‘ship in Banks has not been encouraging, and Ontario is not likely to prote an exception. The most recent. itms- tration. and one that most nearly parallels Ontario-is the State of North Dakota. There, the State "reâ€" quired" the. municipalities to «‘ieposit. their funds in the State Bank. Not- withstanding this advautago, the State Bank failed and brought down many other Banks with it, involving serious inelmvenience and loss to the public. ' Manitoba has accumulated a good deal of money by its 4 per cent. rate and longer business hours. In 1920 it lent to Rural Credit. Securities for loans to farmers $2,065,000. It is NOT AN ENCOURAGIIIG PROSPECT â€" ‘ (Owen Sound Sim-Times.) Ontario is following the lead of Manitoba in undertaking what is practically a banking business. The Province is opening in the cities-of- fices where it hOpes to accumulate deposits by the offer of 4 per cent. interest, so as to lend, at more favor- abl rates than are ofl‘ered by the chartered banks to farmers, to the Province, and to the municipalities. in good profits are not made lhere will be no reserve for inevitable loss- es, :and there are bound to be losses? A poor crop, put in and taken otT exâ€" pensively, with poor prices for what there is to sell, may put. many faun- ers out of business, and the Province may find it hard to realize on their assets enough to repay the monuy loaned. claimed that no 1osses have been made! but admitted that a very large sum is in arrears. Of course losses are not made till attempts to collect arrears fail. Then, the bank knows where it is. The weakest link in the Govermnent banking business is the making of collections. Besides, it seems scarcely fair for a Government to levy a tax on banks and then to compete with them by offering higher rates to secure de- posits and loaning money at. lower than usual rates. And, if losses in- curred are made up out of lhe reg- ular revenues of the Province, it will not be fair that revenue collected from the general public. should be. used to recoup the Province “or lossâ€" es entailed by the attempt to give to one class preferential terms. Farm- ing is simply business. and the bus-- iness should not need to be bolstered UP- If farmers want larger interest .on deposits and smaller interest on what they require to borrow, there is no reason why they should not undertake banking on a coâ€"operative basis if they think they can make â€"â€"j ust' like china, and therefore makes light work of pot washing. - Whenever you are buying kitchen utensils be sure they carry the SMP - trade-mark. Diamond Ware is a three-coated enameled steel, sky blue and white outside with a snowy white lining. Pearl Ware is a two-coated enameled steel, pearl grey outside and inside. You can’t go wrong if you'buy either. 5MP Enameled Ware. has V the smooth surface and polish of fine crockeryâ€"Without the break- age. A111} it is so very easy to clean . unv- I" "“SHEET METAL PRODUCTS Co. OF CANADA LIMITED the Gm ernment will run. a banking business in their special interest at 'the public expense. And a Govern- ment that will do it cannot expect to ietain the support of the geneml [ it pay. But they cannot expect that pubfic. Thursday, March 23, 1922. ~49: or M, ‘3.