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*v 3\ oben weilles" Fi v hon 3 Frida y from late residence on Erh_street to Louis R. C. Church and Catholic _fi,' ED < _ â€"~APPRENTICE . TO â€"‘learn drug business. A. G. Hachnel, _ A horse attached . to a . sleigh owned by Mr.:â€"B. Longo made a dash down King street drlvefl% but was stopped unhurt at the â€" street » ‘Thornton & Douglas <*ad : on 10 fof genuine bargains in : overâ€" ‘coats and suits. T. & D. sales ate Rev. Method evening f officials at the municipal buildâ€" are cooling up. ~A stove> has Anstailed in the Clerk‘s _ office hee the weather has not been any _A big semiâ€"annual clearing sale is now. in full swing. We are.. showing wonderful values in me;'.flhg overâ€" s and suits, Also inâ€"all the heavâ€" jer lines of men‘s furnishings." Cosâ€" W ~ "dlt. wolt. %h6.â€"rink to be played against at Galt on January Sist GENERAL ~â€"â€" Washing> given . sut. ~=Â¥00 Queen St., north Bérlin. ‘A gang of men are engaged removâ€" ‘ superfluous snow *‘ from ~the 3 ess section ol King stree%. ~ "Phe monthly meeting of the Clara | _ Club #as â€"held Saturday at which an enjoyable proâ€" mme <was furnished ‘by the memâ€" ,.J, fribers will confer . a favor on the management of the Chronicle Telegraph by reporting any ifregulaâ€" ities in the delivery of the paper. .?n funeral of the ten> ‘year . old son of Mr. and Mrs. Fraz Walz, who died on ‘Friday of heart _ disease, ~ held on Sunday alternoon ; at 3 & from the residence . of the 7 to St. Louis Roman Cathâ€" lic Church and Catholic â€" cemetery O8STâ€"BETWEEN WATERLOO and Eo , last Friday night, a numâ€" _«ber of wraps wrapped in black and . red checked shawl. Finder . please y at this offi¢e, or advise D. W. i Eisley, Hawkesville, Ont. Â¥it. j Waterloo â€"Council met * Monday evening in special session..< The Counâ€" ol r the byâ€"law closing Certain Janes at the rear.of. Snyder, Bros. #actory ‘and also decided to advortise for applications for the pogition of Assessor, all Applications to be in ‘1@& pf ‘than 12 o‘clock noon.Febâ€" xuary 2nd. > ‘Messrs. Eby & Shelley, representâ€" ; the o.:nty Land Co.; Lgn.;bogl , ° ve opened officesâ€" e g of Toronto, Waterloo. They ite selling ~University Heights °. in bose Jaw, ‘and report a . lively Â¥ business. " Whe funcral of the late Mrs: Alng- wat (Stockfish,..st.,. who died_at. Imâ€" y Oity, | Mich., Jnn. ty | 5; took Friday _ from tesiâ€" lence o her @mter, Mrs. {Louis Wendell, Williani St. to the Lutherâ€" an Church for service. | The remains were ‘ interred in Mount Hopé .comeâ€" . The death occurred near Crosshill, Monday, of Margaret, second dauâ€" in otler s proionged sifoonts a4 the a p 1 , at age of eleven years. The funeral will be held on Thursday afternoon | from the residence of her parents to | tie church for service, ~{V s W. M. Reade was the hostess of §%, Saviour‘s Ladies‘ Aid Society % her home on Wednesday afternoon, vhen & yery pleasant and profitable iwo was spent in the interâ€" 'f: Society, and the ~kind mpiiality much enjoyed â€" by . the ‘{:3_ 1 C. A. Bochm was the hos ) Mf a much enjoyed bridge>~ of a / w{ on Tuesday . afternoon, ha ome home, . which was bright and bosty "with: _ is wrate fites. The prize scores c Mrs. L. Shuh and Mrs. After the ; & Ti mag rrmclly ho ‘hor ; assis! by her mother, Mam Carthew, when ome .0 mh to â€" enjoy * h the . of honor,. Mrs. KVITT S DRUG;STOR WATERLOO, . BR CLEARIN lek en â€" senfer ‘s, young man‘s and boys am will likely ~Skip SERâ€" Apply A 1B 2â€"3% ‘The total number of policies issued lor the year was 13,206, and theâ€"total amountâ€" of insurance â€" written . $16,â€" 314,575.00, * 4 The total number of policies now in lorce is 30,690 and the total amount of: insurance covered thereunder $38,â€" 701,248.00. $ The Compary‘s total income â€" : for the year from all sources was $241,â€" mg and. the expenditure 31",-_ "The total cash assets are shown to be, including: accrued Interest, $500,â€" 965.14. ‘The residue of premium notes is $264,259.45, making _ the .total assets of the Company $765,224.59. | af the past. year and <the . balance sheet showing assets and liabilities of the Company on the twentyâ€"Ptstâ€" day of December, 1911, with the guditors‘ certificate for the correctness of the same appended thereto.. | °_ â€" / â€"~ â€" ‘The liabilities made up of $7,500.00 of unpaid losses and $120,894.04 unâ€" eatned premiums are $128,104.04. | ~_ Mr. F. mb‘ fi-“ “&â€"mnu the financial statement of receipts and expenditures, .assets and lHabiliâ€" ties, and the report of the Company‘s auditors. ? PIRECTORS‘ REPORT. To ::lm“ the Waterloo Muâ€" â€" Unniaiien Your â€" diracinee "nave much pleasure in -wm you the fortyâ€"ninth annual of the business of the Company, â€" comâ€" prising the receipts and expenditures Suider, George +Richard Roschâ€" o. Wiggman, Thomen Opréy, _ Jaing * = rdy, . Jumes Livingston,. cm-, T. L Armâ€" strong,‘.P. E. Shantz, Allan . Bowâ€" mas, J..C. Haight and F. Haight. The president, Mr. Wiliam Snider, having takem the chair, the Secretary read the notice calling the moeting. â€" ‘The belance of cash assets over all liabilities is $372,771.12, and it â€"we include the premium notes, weâ€" have a net balance of $637,030.57. In conclusion we beg to ask â€" your attention to the main Objects of the meeting, viz., the disposal of the sevâ€" eral statements before you, and the election of three directors. â€" The retiring directors are George Diebel, Thomas Gowdy and â€" James Livingston, all of whom are eligible On behalf of the Board. Wm. Snider, President Waterloo, Jan. 18, 19123. 49th Annual Statement of the Watâ€" erloo Mutual Fire Insurance Co. Balance brought forward $427,148.56 lnt::ut. rent, reinsurance, @HD. . ccravcle ee> enties.. orntaihnn Educational _ anniversary . services were held in the Methodist â€" Church, Waterloo, on Sunday. In the evening a former pastor, Rev. A.. E. Lavell of Norwich, occupied the puipit and preached an earnest and forceful disâ€" course. He spoke on the need of making ‘adequate provisions for the education of ministers. He pointed out that other professions were aided by the state, which contributed . to the maintenance ol institutions where an education could be secured to fit students for their vocation,‘But in the case of the ministry the institutions were supported by voluntary contriâ€" butions. More was demanded of the ministry intellectually and he must be well equlptd to be qualified â€" for leadership. ‘The necessity Atherefore of sccording to these institutions the needed support in order that . they be properly equipped to give the proâ€" bationer and those studying for . the ministry the best possible education and training was an urgent _ duty if the church was fo prosper and _ the the best results accomplished in the cause of Christianity. All other expenses and reâ€" Balance Hero‘s your chance . to . save spending. $20 overcoats . selling % $25 and $28 T. & D. I guits $18.75. ‘Thorntor Douglas, Limited. & WATEKRLOOâ€"BERLIN of the Watérioo 1 med the Tetograp (On the grounds that Karges ’l-nlt:r'wiuhlh s game with Berlin against Wat Rep August ~1st, Scerotary 1 OVERCOAT AND SUIT SALE EDUCATIONAL ~SERVICES AUDITORS‘ REPORT Expenditures Receipts Show Uid Rehable Fire | pany to lfi.:e Had Emfl ally â€" Prosperous Year ~~* M No ts & D. _ hand Thornton & $668,944.88 $668,044.88 schoduled Water100 at y night, â€" is $74,895.26 212,647.48 104,895.14 489,154.48 \M 20,153.84 t ‘be vho by at Mr. Snider in moving the adoption of the report congratulated the memâ€" bers on the, suecessful operationâ€" â€" of the year‘s business,~and pointed out that the volume ot busthess . wrirten for the year 1911 awasâ€" slightly: â€"â€" in oxcess of that of any previous year. When this {fact is taken into considerâ€" ation with the WT of Companies . now competing for busiâ€" ness it shows that the Waterioo Muâ€" tual maintained its place.â€"with other Fire Insurance Companies â€" of _ the country and he thought the position was ‘one for congratulation. : Unadjusted Reâ€"insuran L:} wWa Mr. (ieorge Dicbel.in rising to secâ€" ond the adoption of the report, ~reâ€" ferred‘ to the importance of carefully selected risks and careful inspections. ‘The Waterloo does not aim so much at volume of business > as . at . the quality and while desirous of . mainâ€" taining the volume we now have we are not anxious to extend the same unless such extension can be â€" made without sacrificing the quality. > He also called attention to the fact that the Waterloo was drawing very close to its Jubilee Year and.. ‘that _ he thought it would be â€" well for the members to consider some â€" suitable manner to mark the passingâ€" of that cvent. & f Cash balance over all liabiâ€" _ Â¥J HHOE ... :s3 sin n‘ ..“.u.:mm.g Unassessed premium notés‘ 264,259.45 Total of Assets ...>......... 105,234â€"5¢ Dzod\ with the Govermment .. ~.â€"_ Ontarto ‘........... \........ $50,000.00 Audited and found correct. {Signed) J. M. Scully, F.C.A:; _ ‘The financial statement being thus disposed of, the retiring ~â€" directors, were all reâ€"clected, â€" being ‘Thomas Gowdy, James Livingstonand George Dicbel. * ~J. M. Scully and Richardâ€" Rosch man wereâ€"reâ€"elected auditors for the ensuing â€" year. S To P ie t o oi oo 10 In accordance with Mr. Dicbel‘s sugâ€" gestion a committee wasâ€"appointed, comprised of the President, Mr. Sniâ€" der, the Viceâ€"President, Mr. Dicbel, the Manager, Mr. F. Haight, J. H. Webb, W. H.â€" Riddell and T. L.~ Armâ€" strong, as a committee to ‘consider the most suitablé method:of marking the growth and progress d£ the Comâ€" pany on the completion of its fitâ€" tieth year. . T Votes of thanksâ€"were then . passed to the President and Directors, and Manager, Inspector, Officers and agâ€" ents of the Company, and were suitâ€" ably responded to by Messrs. â€" Livâ€" ingston, Gowdy, Snider, Dicbel, F. Haight, T. L. Armstrong and J. C. Haight. . * ‘The business therefore being â€"com pleted the meeting adjourned. * â€" . Immediatelyâ€" at the close of the Aunual Mceting, the directors â€".were walled together and Mr. William Sniâ€" der was creâ€"elected President and Geo. Diebel reâ€"clected Viceâ€"President .â€" for the ensuing year. ACADIAN CLUB‘S ‘The annual banquet of the Acadian Club was held at the Hotel Ewald on Wednesday evening and was attenâ€" ded by about two score of the memâ€" bors and their friends. An excellent dinner was prepared :{Ifln Host Ewald, following which the members indulged in a social chat.. Addresses of ‘a congratulatory . nature were de« livered by Messrs. Hetb Kuntz and And vite prowiva . mespectitely ol the t in y of the club. ‘The financial standing . of the club is in a very gratifying condition at present and the past year proved to be very successful. Recently the W were _ refurnished and t the afterâ€"dinner chats . the m‘. repaired to> theâ€"club â€" hall, wherte young people whiled away a few hours in dancing. _ The music was furnisbed by Starnaâ€" man‘s orchestra. atock WhiteTEFocery Waterloo‘s New Upâ€"toâ€"date Crocery and Provision Store. and guara and found correot. _ _. . i) J. M. Scully, R.O,‘A.,\ Richard ~Roschman,> 4* N MAuditors An o Fund W A ANNUAL BANQUET want a «sh 459,06 s ... © 36,30 $500 , 96 $7,500 120,694 313,771 00 04 10 14 The Mutual Life Assurance CGompany of Canada â€" _ ‘Pursuant "toâ€" the. ‘Act (of. Ingorporation. . notice: is given that the 42nd Annual Meeting of R A good _ 150 acre farm with . first tlass buildings on it, sitwated near Borlin or Waterloo. Apply m will be held at its Head Oftice, in Waterloo, Ontario, on Thursday Februamy 16t, 1912, at one o‘clioek p.m., for the pu of receiving reports, electing Directors, and transacting suzo.:thc business as may be subtmitted. Lxtik= C CEORCE WECENAST, f Phone 928, Waterloo L. â€" Bruegeman. Best d Happiest Kixc S1 Waterloo, December 28th, 1911 LADIES‘ FURS: LA DIES‘ AND MISSES JACKETS;COUAT SWE ATERQSKIRTS. WAISTS:â€" MEN‘S AND:BOYS‘ OVER: COaATS, FUR LINED AND FUR _ + OVERCUATS MEN‘s AND BOYS‘ SUITS, MEN‘S AND BOYS SWEATERS, ALL WOOLLEN: : .‘ AND KNITTED GOODS â€" â€" > "<%e Money Can Buy How® or coop GrookRIES MAY T UE YEAR ANNUAL MEETING WATERLOO 1912 â€"_ _ There are thousands of dollars worth of new and ~upâ€"toâ€"date garments that must be sold at onee,. = ~ .0 # It‘s a w...co of money to buy elsewhere and a waste of time to look elsswhere. _‘ *‘ Wanted Be your Pnox® â€" 1172 A. J. MCKUS, â€"_ . Auctioncer. 1M Pusitively the biggest bargains of the senson, J. Uffelmann ively and Absolutoly THE PEOPLE‘S STORE W aTEREOO lalues Your IN Empire Chinook PHONE 260 « 6 holes, bigh clo around, copper resâ€" set, cast iron plates ervoir, fully guar antéed, for iy $35.00 #te SEE OUR LINES BEFORE BUYING Silver Knives and Forks Carvers in Cases â€" at â€"very low prices: â€" Aiso guaranteed a good t Empire Stove ge with high closet a CONRAD BROS. $30.00 h CONRAD BROS. . warse 80| to Ar ~ Al (w serges, lancy and ‘mo,‘:vm.m-ar- m' ranama, otc., moétly 50â€" to 54 inches wide, in all the best selling whades,| Â¥ 0. ASMUSSEN I&n . ul shade, :J 54 inch * Apil Ar 1 ons‘ lt 49¢ tings, most!y Oak Neating Stoves ,from $8 to $17 Parlor Heating Stoves J C l Cl : ol it t 1 k â€"W a ie a19 ver fim hingâ€"anar &‘%& figures= | «_/ .. with oven &i#kd double heater at a in Aults piadr adr . > and â€" English ixtures, . upâ€"toâ€" r‘ifl:fiufly‘ and , . @ 2d ‘as high as JCK 6 and 9 holes with uron Keonomy guaranteed in every steel range. ever offered at respect, the largebt 79¢ high cléset and réservoir, fully Ofi PApVE in FAPG lark shades d uc tionâ€" * Oir oy"*~= nearl NT 84