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" Li H Mrs John A. Cameron. of Bottinenu. North Dakota. in the guest of his sister Mrs John McGillivray. Miss Carrie Colliaon was the guest of Mr w. Lanny for a few days. M r Dan MrDmuzall spool. a. few days of but week in Owen Sound. Miss Maggie McGillivaI-y spent a few dnys among Durham friends taking in tho Scotch Concert. Mr John McKeehnie bu finished his contract. of delivering one hundred cords of wood in Hanover. Mr. James Ellis, of Hamiota, Mam. paid a short visit to old friends and neighbors of this little burg. James looks well and speaks highly of the West. Mrs And. Lindsay. south on this line, was two Weeks 1n bed but is re- covering. The government auditor pad a visit to Edge Hill one day last week to and". the township books, but we did not hear what. the result Ins. Sorry to hear of Mr. Rcbt. Aljoe get- ting [is foot badly can in the bush " Dornoch. Sorry to hear that Mr. Henry F an " on the sick hat. Sorry to hear of Mrs Joe Noble be-pI ing ill with la-guppe. ! Mr. C. C. McFayden visited Dromorel friends last week. I Mr. and Mrs Fred Johnston fromI ear Collingwood, visited at Mr. D, Greenwood'; lest week. Mr. D. Dunsmoor, cf Ft. William, visuted at the Avenue one day recently. Miss Cassie MeGiliwray returned to her home in Bruce after spending a month with friends and relatives around here. Mr. W. J. Firth purchased a fine horse from Mr. Thus. Turnbull a couple of weeks ago. Also Mr. Jno. McFay- den desposed of his driver one day recently. Mr. Thos. Greenwood was busy haul- ing homo brick last week for s new kitchen he intends putting up in the spnng. Mr. Guy Williams lost a valuable colt. last. week mth mfhunation. Sorry to hear of Mrs Thos. Davis, of the Valley, getting her leg broken by falling at the door step, but under the skilful treatment of Dr. Jumiaaon we hope to hear of her speedy recovery. Bell. Doherty, Thomas and Berlin makes of PIANO and ORGAN SEWING MACHINES. A large stock of New Raymond and W ams Sewing Machines and supplies. 0. McK I N NON . ON WHEELS, Chit‘nm and Snow Pan Hun I 1 mr,rio,S, Buggies from Campbell of London. A number from around here attended the scotch concert. in town last week and report a good Lime. '0 W’ Wilkinson Ploughs, number 1 to 20, and repairs of all kinda. Shares, Soleplates, Etc. ' Not genuine unless the words " Wmmxmx PLOUGH Co-'"", custom each oio, :2. Wilkinson Famous Stu-cl Rolier made in three sections. The heavy down fall of snow last week named Ae roads to be filled in and the pisthrmsster for the first time had to call out the men to break and make new toads. Mr. Fred Staples is engaged Mr. Ll_man of town at present. Pleased to learn that Mrs. H. 1ittms is able to be around again an Illness of a couple of weeks. CULTIVATING, Comte? * $3335 Dils an We invite your attention to the following lines of goods I South of Middaugh House Ming for farmers f Our large stock of Canada Carriage Co's Cutters are complet- ly sold out and pleasing everyone. Look out for our two car loads of Buggies, Surreys & Carriages of all kinds coming from the same company and will be here soon. Now for our Massey-Harris Plows, Harrows. Cultivators,.Seed Drills, Binders, Mowers and Rakes all set up ready to go to work and can be seen at our SHOW ROOM. It pays to buy the best and our prices are right. See our Steel Rollers, Cream Separators, Washing Machines and Wringers. Caltivtuurs n Spade Har rows, Seuffiers, Etc. Also Scotch Diamond Barrows. Jprmorf Tire JOHN LIVINGSTONE. "assey-3G:rris Jlgoie, IULOCK. tRoom EDGE HILL. f-... prompMy attended to. We” of the ”(Vinyl Wanna. Wil.. after with coming around alright We'h'e pleased to see the smiling face of an old Bunessan boy in the person of Mr Archie Campbell, who has again come to spend the Winter here. He was engaged last. summer on the M. & M. R. through Rainy River. Mr Chas. Konnedy came near losing a valuable cow lately but lhrnugh the sk:l,ful mntlncnt of Dr. Wot, she 15 ( the Sangeen. ( The home of Mr Ino Redford was the scene of a very quiet wedding on Wed- {nesday evening last when his youngest idnughter Miss Maggie was united by ithe holy hands of matrimony to Mr 1 yak-aim McCulla‘m! youngest son of Mr Miss Maggie Mernnis, of Bunessan, who spent a week with bar sister Mrs Leslie of Mt Forest, came home lust week, Muss Maggie Benton, of the Corners, left last Monday for Toronto, to take a situttion m a millmery wholesale estabbshment there. Archie McComb who has been detain- ed M home with Sickness for oyera week is again all right, and returned to school lust Monday. Juo McCallum. of this place. The bride was attended by Miss Maggie Forester late of the Queen City, while the bride’s brother assisted the groom. The cere- mony was performed by the Rev. Mr. (‘utnpiu-ll, owing to the illness of the Rev Mr (Earner. After the customary congratulations the. guests present sat down to " sumptuous wedding supper after which they were aroused by the glugle of bells. tin pans. guns. etc., \Vouder who Wtil he next? We learn that Mr Alex Bell given up country He and is nm to try town for a while. Mr Alex. Firth and family visited friends near Durham one, day this week. Mr. c. Watson who has blew engaged for someume at Markdule visited at. his home here last Sunday. A sleigh load of twenty took in the Pie-Social held at Lamlasn Friday eve- ing. and report a good time. Allan Park next. Wedding bells, wedding bell, how They ring, over land from sea. to sea. Wedding boils, wedding bells, how They ring right down on the banks of Pastor Campbell has it some what easier now, as the Glenelg church is closed. He has only the one to attend to. Mr James Redford gave the boys a pleasant evening last, week. Mr and Mrs Jno McGillivurv and Mrs J. A. Cameron Sundayed at Mr Robert Lang’s in Brant. Mr. Ralph Brunt has ret'red and bought. out his old barber shop in Han- over, where he will move direct”. Mr. William Fulton who has been on the sick list we are pleased to state is able to he about again. Mr George Lanny, of Hanover. spent a couple of days at his parental home. Miss Maggie came home the expected. Miss Maggie McKenzie paid a Visit to her home In Durham. Mr Alex. McIntosh, of Bottinenu. N. Dakota, spent several days visiting friends in this vicinity. ROB ROY. Forster, of Toronto. other evening very un- Lower Town K Bell,jr. has is now going of remitting to a company. On the iother hand, there are advantages in (dealing with a loan company rather l, than a private person. Frequent y their [rates are lower. than those asked by l private individuals. Sometimes too, private lenders are silent as the grave as to their business transactions while others frequently boast of their mort- Rage loans and of their claims on their neighbors" farms l 'and, others I again, from extreme caution, ask the I advice of their neighbors either when lmaking a loan or when the borrower ( asks a week or a month's extension of time for the payment of his interest, and so the hortower's business becomes common talk of the neighborhood. A nan company is ever silent and never gossips. And again, a private party to whom interest is due upon a certain d: y frequently arranges to make. some particular use of it upon that date, and i is, therefore, unable to grant the i borrower any extension of time. while a loan company. having good security. willing, upon request, to wait a month or two after it is due for a payment of interest, if It Will enable the borrower to market to better advantage his stock or produce, as is frequently the case. In the event of the death of a private lender, particularly if he has died with. out a. will and there is delay in the appointment of an administrator, the borrower is sometime! at a loss to know to whom to make his payments, and has sometimes delay and trouble in ob. taining a proper discharge of his mort- gage when paid. These dimculties do not arise when dealing with a loan comp ny. If a man borrows from a loan company fora term of Sears, and , at the end of the termJias not succeed- ' Having decided to borrow, where, or from whom, shall the loan be obtained? Many persons prefer to borrow from a private party rather than from a loan company. and cet tainly there are often advantages in borrowing from aprivate partv. Sometimes one gets a chance to obtain money from a. private party at a lower rate of interest than companies charge. The costs of a private loan are usually lower too than the expense of a loan from n company, and when one can hand his interest personally to the lender it saves the trouble and expense ) Oftentimes a young man with good health, good habits, energy, and " practical knowledge of farming, and having saved a few hundred dollars, may very wisely borrow to purchase at farm. A man having owned and wonk- ed " fut-In quite large enough tor him while his children were young may often find it wise to borrow to purchase a nvighhoring farm when his boys become large enough and show them. "elves willing to help him. And soltle- tilnesu farmer may wisely, but cautious- ly, botaow to increase the earning power of his farm by the erection of better burns and stables or by draining or other like improvements. Whether a man may profitably bots. row depends not. only upon the object for which he borrws. but. upon his busi- ness capacity. Some men will control a. vicious horse. others will be controlled by the horse. In like manner, some men can control a mortgage. whiie others, under similar circumstances, are. controlled by the mortgage. And often men with hut little business ability. by sheer muscle-work and rigid economy, achieved moderate success who would have been ruined had they mortgaged while others, with greater business ability, would, with the same surround- ings have won still greater success by the aid of " mortgage, loan. Further. it may he laid down as an axiom, true as Euclid's. that it is never wise for a farmer to borrow to experi- ment or to speculate. It goes without saying that it is un. wise to borrow to obtain luxuries, whether it be a piano, a. carriage. n more expensive house than Is necessary. or any other thing that may be done without until the money is saved. not borrowed. And again. when a man finds that he has been drifting and running further behind year by year, with no unusual circumstances to no. count or be blamed for such a state of affairs. and nothing to indicate that the future is going to diifet from or be an improvement upon the past, he had better consider. whether he should not, sell all orpmt of his farm and adopt radical changes, rather than to mort- gage and continue to drift until all he has is swallowed up and gone. The Hanover Post last week repro- duces from the Farmers’ Advocate an article by Mr H. H. Miller which con- tains so much good sense and in so practical and timely that we give it in full t .. Farmers as well as others, should always remember that to one who has good security to offer it is easier to borrow than it Is to pay back .,and, as in t%lomon's day. so now, to some ex- tent at least, " The borrower is servant to the lender." Yet.there are times when. and purposes for which. it is profitable to borrow l and then it is well for one to consider where to borrow and how. flllllllillll All] THEIR llillliilllEl. MIMI llttlt (ll l ll, MIIIEI w, having good security. requeitt, to wait a month t is due for a payment of will enable the borrower t advantage his stock frequently the case. 2e death of a. private y I! he has died with. here is delay in the THE BUREAU REVIEW 1, a private party to le upon a certain d: y as to make some upon that date, and tts'dh'th?, AER-3' TORONTO After votes of thanks to the commit- tee who had the supper in charge and to the chairman, Bro. Dr. Sheath. who sandwiched the different items appro- priately with oberservatinns ot his own the meeting was brought to a elose with i) Au!d Lang Syne tt in the usual circle of unity. 1 After supper and the voting of our genial Court Physician into the chair _ a lengthy programme was called oif, consisting: of musical selections by Bros Atehison, Findlay, Ramage. Lester. Wilson and Mastic, prefaced by brief remarks, as were also the short stories principally of a humorous nature that Were told by the other members pres- ent. Aspeech of a reu.i..iscentchar- acter was given by Bro. Robt. Ren- wick, C. D., refering to the early days of the court and their cramped places of meeting, as compared with the prev ent, spacious comfortable hall erected by the manitieenee of our late Bro. A. Taylor, whose son we had Just the privilege of initiating into the mysteries of iorestry and who, the speaker hop- ed in years to come, would prove a worthy successor to a. worthy father, other expressions as to the benefit to be I derived from a membership in i the I. o. P., fraternal as well as nan-1 cial, made this the speech of the evening. I The Forester court of' this thriving little burgh is in keeping with thelown as regards to health. They now num- ber st', members, having lately added to their membership Mr. Robt. Taylor, son of the late Alex Taylor, one ol the founders and charter member of the Court. Alter the initiation ceremony a supper was partakcn ot by the mem- begs, at which Was served salmon and their Bros. of the deep, great flopping bivalves, raw and cooked, pronounced by connoisseurs to be ol the tirsttater, those that have been matured and iat- tened at the mouth of the sewers of the large cities, so says one of our wags who ought to know. Don 't entertain a mortgage on your tam one day longer than is necessary, and do not get into " habit " of sign- ing mortgages, as I have known some people to do." $e mere matter of form." And when you have signed your mortgage, te- member that you have covenanted to tt pay the mortgage money and inter- ercst," and that you have not only made the mortgaged property liable for the amount ot the debt, but that you yourself are personally liable and may be sued as upon a; promissory note. In signing a mortgage, or, " that matter, any other paper. always read and understand it first, and sign it afterwards. A mortgage, unlike a, man, or even a woman. always means what it says, and nothing that it con- tains, whether printed or written, is a It is usually a good thing in his own interest, for the borrower to he obliged to remy a small instalment of the princpal annually. With such a pro- vision in his mortgage. he will per- haps reduce the principal when other wise he would not, It will also be an advantage to have the option of mak- ing larger annual payments of princi- pal if able ' thus on a 81,000 five-year l loan to be obliged to repay say $50 of l principal yearly with the interest, with the privilege to increase any one or more of the annual payments of principal it able , thus on a $1.000tive. vear loan to be obliged to repay say 850 of principal yearly with the inter- est, with the privilege to increase any one or more of the annual payments of principal to any sum up to say 8200. Sometimes the borrower asks the priv- ilege of repaying the whole'i'prineiptrl at any time before due, but such a request is unreasonable and one-sided l and too much a case ot " heads I win, i tails you lose." In such case in thei event of rates of interest rising, Ir) lender Could not call in his money to get better rates elsewhere, hat should interest go down, the borrower would immediately borrow elsewhere and pay off'. ed in paying oft the whole debt, the company is usually, if not always. will- ing to renew for a further term at the then current rate of interest without charge or for a. fee of two or three dol- lars. It is often cheaper to pay fot a bank draft or express order to rem" a payment to a loan company than to drive' some miles to carry a, payment, to the lender. Circumstances. and a knowledge of the parties, should in each cue guide a man as to whether he, will borrow from a private indtvidutUor a company. but. it seldom pays to pay a private party any higher mm of interest than the money may he had for from a loan company. Amended In!" and the competition that. now exists in lending money has entirely done uwuv with vexnuons and exacting rules and tines that, formerly attended loan company mortgages. No matter at what time of year a farmer makes his mortgage, he can nearly always arrange to have his payment or payments become due, at any time of the year he may choose. It often makes quite an difference to the 1y,rrower, and t1st1allv none to the lender. Having decided where to borrow, there are other matters to be consid- ered. Most mortgages stipulate to pay their interest once a year, but in many cases it would be better to. pay the interest half-yearly. In former days, when the farmer's whole income was derived from his grain crop. it was certainly more convenient to pay interest annually, but now that the dairy. the orchard, lambs, fat eattle, hogs etc., contribute to his income. the money does not allrcome in at one time, and it is often easier to make up say, $50 twice a year than 8100 at once. DROMORE FORESTERS u.-. 'igiiGi'N Mgiii8 We learn that all the Michigan folks who have been visiting l’omunn and our burg since Xmas intend return": to their homes this week. we, wing them a sale trip and hopo tin-v may visit Glenelg again soon. The Rewinw isa weekly visitor at timir Immuu in St. Charles and tin-y my thoy could not get along without it. Aooupla of weddings ot the neigh- borhood are reported. but as we am not certain of the mm we Won't touch on them " prelum. Mr. Angus McDonald and Miss Julia Campdell, formerly of Plnaclc Hill, bur. at present in Sudbury. Were un- ited in wedlock in Toronto reeentiy. We join in congratulations. Misses Stone and Dochert , w I . are residents of L1tC'ffli'i'a'.'2l,7"int present. Mr, Jas. White is in the emf R. Martin, ot the 6th, " present. All the people of our town took in the double wedding " Pomona last week and report an A 1 time. Misses Sarah and Jessie MeDonald, of Michigan. visited friends in our burg last week. Mr. Richardson, of Barrie, paid a brief visit to Mr. D. McIntyre this and last week. A thaw would be thankfully accept- ed in this burg, as water is scarce " though we have snow in plenty. Hy the time this is out. in print. they will all be seated at their own fireside, and we join the throng in congratula- tions. [Thu REVIEW tiso extends Wll'llh est good wishes to the young couples Rtvett so brilliant n .' send otf " and re' grew he did not see that. jig.---Ed.l The present: were costly and numer- ous. Those from a. distance were, Mrs. J. Waters. and Mr. P. J. Breen, from Dundalk. Miss M. Vegan. Toronto, Dan McKinnon, and Alex Black. Durham. George and Frank Black, Toronto, Miss Sarah McDonald. from Michigan. The rest of Mich. friends have already been mentioned. Daylight being again visi Me. the greater part of the guests look their departure. spsaking in high praise of the way all had been treated by the hospitable clerk and his family. and wishing both young couple health, Wealth. and u prosperous' future. Eat, drank, and be merry was the ord- er again. It was now evening and am- other repast wat pal-Luken off with two elegant wedding cakes to ttnish up on. {is Com. Glenelg. also howed and took up- on them the vow: of wedlock. presented by the good man. and they too. were made man and wife. Mine Maggie Vega: and Mr. John Black, of Mich. dlecherged the dutie- of bridesmaid end groom-mm respectively. with tae form- at party. while Min Kate Black and Mr. John McDonald. of Mich. did like hon- ore with the Utter. After congratula- tions and hnndahnkings at the church, both wedding parties and their friends. having'necepted tl kind invitation from M r. J no. B. Black. drove to that gentle- man's residence and found awaiting them usutuptunus wedding repnet for no fewer than 125 guests. Eat, drink. . and be merry was the rule till the break- fast feast, was over. when the dining room Wits cleared of its contents and the two pair of celelrrants danced the first dance. with credit to themselves. Messrs John McDonald of Bud Axe. Mich.. and John J. Black. of Scotch Town, with their new brides upon their arm, were the next called to take the fioov. which they did with honors. Mrs. Black, mother of J. S. Black, our popular township clerk, it luly of over 90 years danced njig in a lively manner with one ofhergtundsons. Rev. Father Hunt-k. on hearing the highlanderc. sing then- gaelic songs and indulge in merry chat galore. passed the remark that, he was the only gernmn in the house, but we think the Rev. gentleman enjaped him- self fully as well "8 if the whole party had been dutchmen, and remained with the crowd till nenr evening, when he departed for his home. in Markdale. 1reDonatd--Hinnott (lilglllEl Ill (liliRMllll On Monday, Feb. 10th. unot her happy union of hearts and hands took plume at Pomona church. at 10.80 o'clock. a. m., when Mist Tenn. McKinnon and Mr. Dan McDonald (Hmlan) from St. Charlu.:Mich.. were made man and wife by the Rev. Father Hauek. Foll- owing this. Miss Maggie Black and Mr. Doug." McCormick. of the 10th. 3' a"; SCOTCH TOWN MttCttrmittY--Buutir the employ of IMe In!“ In") INC and. good time can “and"; the an“ of the roads. and an _ on. or Iwo day- did We [DISH the mud. Thom» ma likely to has, lawmi' :' u: Inmbm' tarnished to a. cvrmm 9m. Prom. but we but that d is all nah d, A Mr. Paul bu uni here from Turoxm " PM in the New church. 1lo (manly lived m Exmmout. The Dnndnlk Humid [as seen fit to quotes loin. correspondence from how tl- bont the Council doings. They do not ')any Btty ett “Gammon“. but (Nos u barit Mr. chl'dlo. he bu got to be it "rr Md nun Italy. by their report. We In" land I very lengthy snow norm and tho roads blocked up with mm. " I. write they no not All open and the mac id poor. Ind will be for some mun yet. Messrs Hugh Wilson ind Wm. Rich- nrdson delivered a number of cattle al Ceylon, one d3, last week. Ive no glad to see the bridge at the mill undergoing the process of repairing Mr. It. Wilson is taking a round viszt- ing at preaent. Mu. Hicks and children of from Station. vimed It Mrs. G. McCanneIs Sundny Int. We are sorry to hear of the illness of Jimmie McCumel. second boy of Hr. Neil MchnueL Hope to hear of his recovery Icon. Miss Ethel Moods 110- s/one to Town; . She will he missed by the 30mm yeuple around here. We but the: Neil McKenzie has takm I near out. drawing lugs totho mill Hirrts he does not stop at the Incl: way house, Mr. Geo. Black has purch med a can!“ sepautor. Mrs J. McMillan is accompanied by Mr niece Mis- M. Duncan. at present. On account of G storm on Monday "esnicganumber ot pen la Were unable to net to Salem Metbogist church ten. neelmg. but the Wednesdu evening: " lowiug being perfect were was quite a large crowd outta tne soc-in]. ever.) om- scemmg to enjoy it Immensely. Mr. McCanueI. of Collingwood, IS vim: in friend. hon y present. We would advise W. McM.. on Beer tst., next. time he goel to make up them]: With the Justice, not to who Sandy at the South Line win: him. especially “hen the J notice is scotch too. We are sorry to hear of Gamma Black being so in " present. Mr Robert Watson of Osprey, ha, m rt'.- ed into nut vicmity Mr and Mrs w Brought-m have n Iurm d from visiting friends in Owen Sou; A. Mr and Mrs Cook have retuinuri to [Lia place t'gtriu. 'Wouder if A w over secs aifythiue of the young man trout the lunrtsemn :ur. who when he u seen out dnvmg aNays seems to be hunting cable. Mr. Editor.--ThouO it is very Mummy it is cheerful to hear Wedding bells nu: iug so clearly. A few loads of youths of Pomona were welcome callers with the McLri; In family on Tuesday evening. What name are anxious to know '.-- What happened Hector's bottle y Were the girls hart when Capt. R. and Jen- nie upset the night of the wedding ? Who did Sarah stop with on Saturday night? Does Poet once Alex i mend going to school? Is Mary going to Montana. ? ' . FEBRUARY 20, 1902 We are sold out of 50 lb. pkgs. of Lake Her- ring, but on a repeat order have secured a few 100 1b. pkgs. These are worth $4.50 and our guarantee goes with each pkg. JProw in your [out Uni/ow, tttutter d thurs, we take them. (Thia Week'. Budget. l HOPEVILLE DAWSON .7311”: eff. Rosamzn sign my mu my l-t'I-vit lentlluw. I hatter incl! other (lung M- of can on a 65 Wu: chunks. vine there an an you an but: proaehes yo “other thin deal wit h “I or protit In 1 come “no! Not" My & th 0'7" of In- out to tivehl air tr; north WI" tiost I" TIA army at will Dort't My II " hunt. CH anth-ug " coup-I grand the h-rvllin‘ most I zillion metrioi, In” a. kium‘ : up“ he wu~ mud numlwv- of Prion-whe Pt ory I'M long of " Trial oat lo tho u then I, II tot "Bpecial CI Weakly. l showing tht a. oedgy rim now mum-1 of the gnaw plushmcnu. measly feel ([0 or 12 y abort of the TIE LAT! with .1 .nvn: Monday the numb.» vic1 useful; 03. I Curt, who, Dr. Hahn-.1 m being _ debts so ( the ':,2',l) Annual Daniel Me suicide by ' knife, In! aim-o the de has tsereoU of mental n daughters l and the on MUCH il of Chm-m have our LACitotgti hum Lurn% day for the intt "Merl-j dentr, D “duly" l ter ', Ici Vice-Pm" Burrows :J Tuna. R. l Gannon. E.; the tragic highly ecu The Big th, Btmott in h Swath in ll dust chm-cl u-muuvd " which then chm-vb Rm A few l (A; unit yo Wool). or who can by lwingil Form). m it. Ow in; at. this plying fotr and It In the Inm‘mug Ill SAME " Inuit-pend:- wnda the which rm l'nn- " Big Sum the You buy Show. VOL. MM tthit Sulphur And Ribbed cumin le 'rruun Peel Bum In Nd