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Wilson and Wall Street elay lands in older Ontario. _ Their summary of the value of the land in the beit is: 21 per cent. excellent, well draind, with healthy growth of mixâ€" ed wood adaptable to casy clearing; Wpodrow Wilson has heen _ Presiâ€" dent of the United States long enough to show timt he has the courage of his canvictions, and that he will perâ€" it no man, or combination of men, to stand in tkeir way when it comes to the carrying out of his amteâ€"elecâ€" tion pledges. In this respect _ he stands forti in marked contrast to @xâ€"President Taft, who, like Wilson, stood pledged to a certain lMne _ of action in tarif matters, but _ who, unlike Wilson, permifted certain inâ€" terested partics, to deflect his course and thus present him before the peoâ€" ple as a weakâ€"kneed politician â€" and m pledgeâ€"breaker. ~ Alter Wilson‘s clection an attempt was made by the big interests opposâ€" ed to tarif revision to discredit his policy in advance, by tightening _ up the moneyâ€"bags, and threatening ioss of employment. _ But Mr. _ Wilson Anstead of weakening, has checkmated his tormenters by announcing that the Government oi the United States has $500,000,000 to loan to country banks, and _ to thus beat the _ Wall street banks. As a result there has bren no panic and no loss of. confidence because tariff revision is coming, and there will be none. The people of the United States have been fooled time and again by the cry oi "‘Wolf!â€" Woi{!" when tliere was no wolt. _ and _ Mr. ‘The report of the officials of the Dominion Department of Agrtculture, who have investigated the land aiong the National Transcontinental | Railâ€" way from Cochrane west, is that the clay belt in Northern Ontario is as good for agricultural purposes as the 26 per cent. fair, a thicker peat suzâ€" timber, but having a surface coverâ€" ing of peat that must be burned of, 26 per cent. faiz, a thicker peat surâ€" face, sometimes up to °18 _ inches thick, making clearing of the clay soil a Ieavier task; 24 per cent. mostly unsuitable. The clay belt is roughly estimated at 16,000,000 â€" acres, so that if the percentage of excellent _ or good land over the whole of tifis arca 4s the same as over the arca contipâ€" wous to the ‘Transcontinental, . there will be about 10,000,000 acres highly desirable for settlement. It should be remembered that _ it was surveving partics of an Onlario Liberal Government that first | dis covered this clay belt, and that Sir James Whitney, now Premier of Onâ€" tario, once spolie of that regfon _ as ®‘the land of the stunted poplar.‘ PILES CURED at HOME by New Absorption Method. â€" If you suficr from bliceding, Etching, blind or protruding Piles, send me your address, and & will tell you guw to cure yourâ€" welf at home by the absorption #reatment ; and will also send some of this home treatment Â¥ree for trial, with references from your own locality if reâ€" quested. Immediate rclief and permanent cure assured. Send mo money, but tell others of this offer. Write toâ€"day to Mrs. M. Summmers, Box rou« Windsor, Wilson will see to it trat so long as he can prevent it they will not be fooled again DETROIT EXCURSIONâ€"(Chronicle ‘Telegraph and Berlin Daily Telegraph Excursion to Detroit _ on Saturday, August 2nd, via C.P.R., return fare $2.45. Tickets good four days. j The copy of changes must . not be Un later than Tuesday noon. Casual mdvertisements accepted up to Wedâ€" mssday each woek. Notice of changes must be left at Uhis office not later than Saturday Mdvertising rates reasonable and will be made known on application. in spukes, ioi o uie mb | / Ontario‘s Clay Belt BEAN & sonS3, LIMITED TBesé items call for an expenditure of $1,760,000 a year for the Pacific Coast alone. It must be remembered that not a few prominent _ British shipbuilders expressed a readiness to establish yards here if it were decidâ€" ed to build a Canadian navy. The csâ€" tablishment of such vards would be a big thing for Canada, for not â€" only would the shipbuilding _ trade mcet with a boom, but allied _ industries would also profit. ;build such vessels there would not be cnough work to keep them open when maval vessels are mt _ being built. It would be a long time, however, before Canada completed ler _ navy, ind the danger of wantâ€" of _ work would not be very pressing for many years. However, the Victoria â€" Daily Colonist, in discussing the establish memt of shipyards on â€" the Pacific Coast, enumerates a long _ list _ of vessels that would likely _ be _ built there were such _ yards opened. It summarizes them as Tollows: The Canadian iPacific Railway Comâ€" panyâ€"One vessol yearly, costing on an average $500,000. The Canadian Northerm Railwayâ€" One vessel every two years, averagâ€" ing $400,000, a ycarly expenditure of $200,000. an average $100,000. ‘ § ‘ Minor steamship companies engaged im the coastwise tradeâ€" One _ vesse! yearly, costing $80,000. The Admiraityâ€"It is difficult to maje any estimate of the proposed expenditure on vesscels . required for wa; purposes, but if shipbuilding | of this character is carried out on the coast the expenditure involved cannot fall short of $400,000 a year. The Fishing Industryâ€"This in the future is Wkely to call for the _ proâ€" vision of mapy vessels, and will cerâ€" tainly before long, if the â€" mecessaty facilities are here, lead to building operations â€" involving a costâ€"of at WINNERS IN SoUTH WATERLOO WHEAT TESTS Galt, July 11.â€"Last weekâ€"ond Mr. Orehard, of Minnosign, Simeoe _ Coâ€" unty, was in this district judging the 17 fields of wheat entered _ in _ the standing grain competition, held _ by the South Waterloo Agricultural Soâ€" ciety. His awards were as follows: One, G. R. Barric, Cedar Creek road, $20, 9141 points; 2, J. A. Gilâ€" lespie, Ays, $15, 911 points, 3,,A. D. Clemems, Hespelet, $12, 91 points; 4. «J. Taylor, North Dumfrics, $18, 901 points; 5, R. 8. Olver, Brancton, $8, 90 points, 6, A. C. -\'l_?'. Hespeiet, §%6, 861 points; 7, R. Lfovd, 9t conâ€" cession, $4, 86 points. The Grand Trunk Pacific _ Railway Companyâ€"One vessel every two years at an average cost of $400,000, this involving an _ outlay of $200,000 a year. The Marine and Fisheries Departâ€" mentâ€"One vessel yearly, costing on The opponents of the establisltment of a Canadian navy tell us that were we to establish shipbuilding yards to The first five winners are entitled to exhibit in the sheal and grain com petitions,at the Canada National Ex hibition and the Ottawa exhibition. Monday _ morning at the crossing near Campbellford, on the C. P. 1i line, an Italian section man was kill ed when the passenger local, _ leaving Galt at 6.35, struck a hand car on wifich he was riding. Another _ man was also badly injured. There were a number of (Galtonians on the _ train. It is thought that the section _ men lailed to hear the train comfng. KILLED ON PRACK | all these elements are p so generously included in Red Rose Tea it ‘ well merits the term care and experience in blending â€"must be the combination of fine tea is the result of Work for Shipbuilders aal | ‘The MutusIâ€"Life was the child of Pamphlet lssued Giving Th waee t 4 He seemed to have been specially adâ€" A pamphlet entitled ‘The Story of|apted for the work of directing ‘The the Mutuil Life of Canada" has . reâ€"| Mutual< Life through the â€" incvitable cently been issued by the Publicity |perils of its pioneetr days. And now a man appeared upon the | The next name to be scene who was destined to ‘exercise that of Moses Springer, an cnormous influence upon the destiâ€"<|‘"He was the first Ree nies of the newly organized compuny,|lage of Waterloo in 185 William Hendry. To him the _ comâ€"|which he retained for pany is indebted for laying the founâ€"|When Waterloo was inct dation of the institution upon a scienâ€"| town, the citizens retai tific basts. _ At tife first the _ premâ€"|office as Mayor for two iums were inadcquate, but provision |1867 be was elected to was made in the policies issued _ for |jslature, for the North an additional assessment in casoâ€" the County of Waterloo, TeJ mortality _ should require it. From |same _ constituency | the beginning of his incumbency: Mr.|years, when he resigned lendry realized that this would be|Sheriff of vne County.‘‘ neither correct nor safe.. In conâ€"|, _i sequence one of his first steps was to place himself under the direction _ of| There is no need of ¢« lHon. Elizur Wright, of Boston, thefor a water trip. A fo consulting actuary «_ ne young comâ€"|to Detroit brinzs you pamy,; and togcther they evolved _ ajof the D. and C. stecam table of adequate premium rates. Upâ€"|elaborate steamers plyir on his return the new managet umderâ€"|Lakes or any other bo took the task of commending this new |If you have never take scale of premiums to the policy holdâ€"|trip from Detroit to ers and the public. _ To accomplish |Bufialo, or upâ€" Lake Ilq this he added to the heavy duties of|nac Island, take in t is position the work of lectring in |Excursion to Detroit the towns of Western Ontario on the|August 2nd, return fare true principles which underlie the |for four days, and at th practice of Life Insurance. <In the end|take in a water trip ic he succeeded in cstablisiffing the Comâ€"|ditional money. Civic pany on a firm and lasting basis, and|Berlin is on Monday, A lris stbsequent studies and experience made him one of the MOSt PFONi‘NCNt | s==â€"â€"==â€"â€"â€"ammâ€"â€" life underwriters of his day in Canâ€" Sitrermsamien Aiter the charter haq been secured a meceting of the provisional _ board was held, and the clection. of officers resulted as follows: Isaac E. Bowman, M.P., President. Moses Springer, M.PJP., Secretary. C. M. Taylor, Esq., Treasurer. J. W. Walden, M.D., Medical Direcâ€" In coming _ years, _ if monuments should be erected to the memory _ of Mr. Taylor therefore enjoys the disâ€" tinction of being "the Tather of ‘The Mutual," a distinction that will beâ€" come more enviable as the prestige of the Mutual of Canada grows. As there was no Capital Stock, it was essential that a sufficient numâ€" ber_of bo@a fide policy Holders should be secured before the compary could begin businessâ€"the charter prescribed five hundred: » This meant the employment of _ a man of magnetic personality, and this man was found in the _ person of Moses Springer, Esg., M.P.P. tor. The result of Cytus Taylor‘s originâ€" ality and industry was that applicaâ€" tion was made in December 1868 to the local Legislature of Ontario _ to incorporate ‘"‘The Ontario Mutual Life Assurance Company,‘" the name by which the child was christened. As we shall see it was afterwards changed by Act of Parliament when ‘"the flower of the family" had reachâ€" ed the mature age of thirty years. The charter members and provisionâ€" al directors were: Isaac E. Bowman, M.P.; Moses Springer, M.P.P.; C. M. Tavlor, Esq.; John Alichin, Esq.; John B. Snyder, Esq.; and J. ‘ W. Walden, M. D. Cyrus M. Taylor, not the only one, nc;ifi;:- S Td C but "The flower of the family." He| After gome preliminary training in hq:l been successful in organizing _ @|bpusiness he joined +the ranks of _ the Fire Insurance Company on the MUâ€"| Mutual Life about the year 1870, and twal principle, which had been launchâ€"|jg is largely ‘due to his untiring derso ed five years previous to receiving the[tiog that the Company has attained inspiration whici? led to the creativ®|itg present eminence. of The Mutual Life. The Fire Company The First Minute Hook had proved such a pronounced _ sucâ€" ‘ B 4 . ' cess that he could not doubt that .a There s still in existence in the Life Camnanv _ hased om 41@ â€" cama|Yaults ofâ€" the Company a venerable Life Company, based on tlle _ same principle, would enjoy â€" a similar prosperity. THE PERFECT SHOE FOR SUMMER SPORTS Mr. Taylor and Mr. Hendry. Taking om the Pilot. Original Charter. y company incorpor: Mr. Bowman _ was also conversant with the business of Fire Insurance, being connected with the Mercantile during its independent eristence and The next name to be mentioned is that of Moses Springer, Esq., M.P.P. "He was the first Reeve of the vilâ€" lage of Waterloo in 1857, a position which he retained for sixteen years. When Waterloo was incorporated as a town, the citizens retained him _ in office as Mayor for two â€" years. In 1867 he was elected to the local Legâ€" islature, for the North Riding of the County of Waterloo, representing the same _ constituency for fourteen years, when he resigned to become There is no need of going to Europe for a water trip. A fow hours ride to Detroit brinzs you within reach of the D. and C. steamers, the most rlaborate steamers plying the Great Lakes or any other body of water. If you have never taken _ the _ lake trip from Detroit to Cleveland _ or Buflalo, or up Lake Huron to Mackiâ€" director of the Waterloo Mutual. He Company. of the board that had charge of . the affairs of the company at that critiâ€" cal time, Messrs. Bowman, Springer, Taylor and Dr. Walden. â€" Mr. Isaac Bowman was a man the value of whose influence was incalculâ€" able in giving the new organization ‘prestige and in winn‘ng for it _ the confidence of the community. He had been sucgesgfu@ as a snanufacturer and every where. °/ .finppwing,p'aruculam of "his caréer Mre avail&ble: ."In 1857 was‘ clerk of: the Townâ€" ship of Woolwich, County of _ Waterâ€" loo; the following year he became treasurer; in 864 he was elected to the Legislative Assembly, and in 1867 he represented the same ridinz in the Dominion Parliament, retaining his constituency until 1896 â€" when he voluntarily refused another< nominaâ€" was elected tho first president nac â€" Island, take in tho Telegraph Excursion to Detroit° on _ Saturday, August 2nd, return fare $2.45, . soo! for four days, and at the same time take in a water trip for a little adâ€" ditional money. Civic Holiday in Berlin is on Monday, August 4th. volume which is a coltbintion ol a cash book and a record of minutes P'he story is told, that not having a blank book available in which to reâ€" cord the minutes a deputation was sent to the office of the storekeeper below for suitable stationery. _ He obliged the directors with a halfâ€"used cash bookâ€"the portion already _ filled was stitched up and in the unused part were recorded the minutes _ of the first meeting of the directors of The Ontario Mutual. wonder that when as a child he surâ€" vived such experiences, that he should as a man, have served his associates with such courage, resolution and self sacrifice. After some preliminary training in business he joined ~the ranks of _ the Mutual Life about the year 1870, and it is largely ‘due to his untiring desoâ€" To account for the rapid expansion of the Company and its triumph over many obstacles, it is necessary . to take into consideratton the personnel his fin Hamilton Centennial Industrial Exposition a»4 Old Home Week _ August 11th to 16th,. 1913 Mm'&pflibld”flflloa-mule%mfi"hqlwo Armouries and Parade Grounds. _ Grand Carnival Midway. _ Aviation Exhibition daily. _ Miltary Pageant, with inerege Saveion i Bugrmct cnnton pvanee zmM U. S. League Tcams. _ Frapâ€"Shooting Tournament. _ Rifle Matches, and see the biggest Civic Holiday Week and Industrial I been seen in Canadaâ€"or elsewhere. Special Rates by Rail and Boatâ€"ask your Local Agent. Come to Hamiltonâ€"Canada‘s Magneto The worthles. of the The larger part of the _ grant of $195,000 that was received by the Pro vince, from the Federalâ€" Governient for this purpose, will be expended in extending the summer school for teachers at the Ontario Agricultural College, Guelph, where special courses are held for Hiigh School teachets. To aid in this new venture the Deâ€" partment of Education will grant $50 to every Public or Separate School board employing a teacher holding a certificate of agriculture. The . teach er‘s salary will be augmented with a $30 bonus given by the departnent. Courses are also _ open to . inspecâ€" tors of rural schools for the purpose of stimulating interest of agricultural education in these schools. Owen Sound, July 14.â€"The people of North Grey have spoken, and _ i" speaking have made it clear _ that with a considerable number of temâ€" perance advocates party â€"alfiliations afe strouger than their avowed prinâ€" Ciples. _ By a majority of 278 North _ Grey toâ€"day elected Colin S. Cameron to represent it in the Legislature, and 'to stand behind Sir James Whitney and Hon Mr. Hanna. TO TEACH To High School teachers taking Up this work will be paid $75 and _ the school boards employing them will be given grants of $100. ‘The Education Department in Toâ€" ronto has announced its intention | of adding a course of study in agricutâ€" ture to the curriculum of the High Schools _ and Collegiate Institutes when they open in September. _ The students will carry on their _ expetiâ€" ments in â€" suitable plots of ground, with which all schools will be â€" proâ€" vided. A Small Vote Polled. ‘The total vote polied was unusualâ€" ly small, amounting only to 5.194 out of a voting population of nearly 10, 000. As a rule between six apd eight thousand voters turn out. The small vote is attributed partly to lack of interest, for the campaign has been very quiet except for the big meeting on Saturday night. /nother reason may be that sonte Liberals who did not approve of Mr. Rowell‘s temperâ€" ance policy, and also some temperâ€" ance Conservatives, refrained from voting at all. _____ _ â€" P It is felt that in Owen Sound it self the number of ‘temperance 34â€" vocates who voted Conservative was much more than sufficient to _ acâ€" count for the majority, while through out the whole riding the number would he fully double Mr. Cameron‘s majority. With the exception of the township of Sydenham, however, Mr. McQuaker was pleased with the supâ€" port given, him by rural voters‘ _ In Sydenham, where normally the Lib eral majofity runs to over 100, Mr. McQuaker received only 67 _ mote votes than his opponent. The townâ€" ship of St. Vincent, on the other hand, a Conservative stronghold, toâ€" day gave Mr. Cameron a najority of only five. . ‘ It was the vote in the town _ of Owen Sound that defeated Mr.â€"John McQuaker, the Liberal candidate, as the town gave Mr. Cameron a nfajorâ€" â€" ity of 290, while in the rural parts Mr. McQuaker had a majority of 12. in all the numerous ailments caused by defective or irregular action of the organs of digestion and elimiâ€" nationâ€"certain to prevent suffering and toimprove the general healthâ€"â€" Successful BEECHAM‘S PILLS AGRICULTURE In boxes, 25 cents. z"wf.'fl THE CANADIAN BANK olled. OF COMMERCE j at all Branchesâ€"laterest allowed at Highest Current Rate. "3 Waterioo, Ont. Branch, JACOB HESPELER, Manager Lo q hecke poeJQelobe 4e 0s ©000000000000000000000 We have vacancies for men and we men in all lines of work. If you are out of employm.ent communtcate with us at once. No charge for registre tion of services rendered. 140 +4 . THE LEADING iMeat Market Sanderson‘s Bakery King St., Waterioo. % Successor to J. B. Fischer. @ @ Phone 243. Proprietor. 4 4 e ejere+e¢e¢e+e+0+e¢0+ 0+ Fancy Cakes. In all countries. Ask for our INVENâ€" TOR® ADVISFER.which will be sent free. MARION & MARION, 364 University 8t.. Montréar m Gutscrscncen ancthnesete® sencemsncsencerces somnemencencccnme “n“v“ “.“.“ THEMYG .....cccces ccateries suctress commtmcteerctcmmememe _ £,000,000 4,600,000 HAQRORNEH ... .omst covout qrmmmunscccmsmmntntinccscuese 205077, 700 85,043,311 LOQNS BA INVOSMUMERLE «.....c.s sccmsn..lccccmemmms ©7,457,090 88,854,801 } Uiknt AUGEDLE ...ctco seermsr cemertrennqresscensmencoctmnticce 42;000,6008 48,237,284 Has 83 Branches in Canada, and Agents and Correspondents in all the Principal Cities in the World ta A GENERAL BANKING BUSINESS TRANSACTED. Savings Bank Department i SAFETY DEPOSIT BOXES. Aoge+oreroroetotote}re+ FIRE INSURANCE CO. werernirrmmecrros unccemmenmen mss mc mc ammetzeaun Incorporated in 1863. The Evloyn‘s Assocjation of _ Total Assets 3ist Dec, 750,000.00. aterloo County BOARD OF DIRECTORS _« FREE LABOR BUREAU Dr. J. H. Webb, Esq. . 69 King St. West, Berlin. William Snider, Esq. We have vacancies for men and we Geo. Diecbel, Esq. a J. L. Wideman, Esq., St. Jacobs. en in all lines of work. If you are Allan Bowman, Esq., Prestom. t of employm.ent communtcate with P. E. Shantz, Preston at once. No charge for re@H#§T® | ppomas Gowd'y Esq Onlfl. » fa n of services rendered. 14â€"# James Liv ngston, Esq., Baden, !--J‘â€".A-,- n-‘-.â€"-.. Frank H‘i‘h" m‘ Wills, Title Deeds, Mortgages, Insurance Policies WE HAVE THE REPUTATION of atways keeping the best in GROCE/RIES, VEGETABLES and FRUITS. ~â€" Try us for your next order #o KING STREET EAST DIETRICH‘S GROCERY BERLIN BKANCK, . . Gin spmunp a. oscem, m.9., presipeant. . . w. o. MaATTHENS, videâ€"rrasident ~ ¢ C. A. BOGERT, General Manager. ~ or other valuables in one of these boxes a se _ / have always received the closest attention from the Dominion Bank. Sales Notes Discounted or Collected on most favorable terms. Interest paid on Savings Accounts, which may be opened with 2 deposit of one dollar or more. THE DOMINION BANK Record of Progress for Five Yearsâ€"1906â€"1911. Waterloo Branchâ€"F. W. DeMille Manager. Farmers‘ Banking Needs POR FURTHER INFORMATION APPLY TO Capital paid up + â€" â€" + $5,000,000 Reserve Fund â€" + + + _ â€" $8,000,000 Total Assets â€" â€" ©> + /â€" _ $76,000,000 HAS INSTALLED KAR BERGMANN, Manager. . \®@ E. R. FITZGERALD, ___ «* é MINARD‘S 1.INTMENT FOR SALZ® EVERYWHERE. Waterloo Mutual Geo. Diebel, Viceâ€"President, Frank Haight, Manager, Arthur Foster, Inspector. J. C. Haight, Solticitor. C. A. BOEHM, District Agent. WATERLOO, ONT. OFFICERS