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Mrs. L. Bricker and son, Mr. Irâ€" Bricker of Vancouver, B.C., have i from a visit of several days th Mr. and ‘Mrs. Lincoln Goldie at _ _ Mrs. W. M. Reade and Mrs. W. F.I / Naylor and Mrs. M. Hall and Mrs. Bhannon . Bowlby . were the kindest.l _ andâ€" most attentive of hostesses at the: Waterloo rink, respectively on1 ‘ Saturday â€"â€"afternoon â€" and Thursday ‘ evening, when _ the members of the Twinâ€"City | Skating Club and their friends enjoyed this delightful pasâ€" . time to the glorious music provided a first class Orchestra, which is ‘ proving such an attraction to . the : members of the Club. x‘llll Ifi. Methsessel and two â€"Omo and Milton, of Springâ€" .° N.Y., are guests at the home he: : Gueiph Presby : of Mr. : Geo. / jort visit this week *fl- Mabel _ Nichol has returned an enjoyable month‘s visit with Mr. and Mrs. Ed. Liersch at . Monâ€" ~**Mamma, when people are in moutnâ€" Ing, do | they . wear black nightâ€" gowns »" " "*"Why, no, of course not," ‘ "Well, don‘t they feel just as bad mt night . as they do in the dayâ€" time ?"â€"Judge. ‘The amnual meeting of the Waterl0o W. N. Grige. d of Trade was held on Monday | Committee on Foreign Tradeâ€" J. ter when the officers for the year Bahnsen, and A. H. Snyder. were relected. and other routine busiâ€" ‘ Auditorâ€"F. W.â€" DeMille. mess disposed of. ‘The report of the | Celegates to Ont. Board of Tradeâ€" er, Mr. W. S. Naylor, was read C. W. Schiedel, W. S. Naylor, Dr.Hilâ€" yed a neat balance . in th> liard, J. H. Roos, F. W. DeMille, H. reastiry . . M. Snyder. ANNUAL MEETING OF WATERLOO _ s â€"~ â€"â€" QOMRD OF TRAOE WAS HEL «‘Mr.: S. J. Robins of the Interior Department, Ottawa, who addressed %he Canadian Club on Thursday evenâ€" Ang on the subject of "Pragmatism, ‘und the War," was the guest of W. G. Weichel, M.P., during his stay in _ The officers and comm#tittecs were roâ€" FA ed : with â€" one or two changes. They are as follows :â€" .. Presidentâ€"A. Bauer. _ ‘Met, Videâ€"Pres.â€"P. V. Wilson. _ And.: Viceâ€"Pres.â€"â€"H. M. Snyder. .. Eeore â€"Treasurerâ€"W. S. Naylor. _ Beard ol Trade â€" Councilâ€"J. H. bos, P. J. Wright, P. V. Wilson, !J. Eo , Dr. Hilliard, J. B. Hughâ€" Geo. Dichel, C. A. Bochm, Mr. s. Frank Haight hospitably enâ€" the teaclieers of _ the Public Schools and a few at her home oo Friday evenâ€" k‘s Mrs. Scott, of Galt, wm1 sts the home of Mr. and | Mrs. Haight for the weekâ€"end. | Rev. "Mr. Kay of Eramosa was at the home of Mr. and Mrs. r. and Mrs. E. D. Strasser have ined from a five woesks‘ trip . to ts in Eastern Ontario. Mr‘ Aloyes Bauer Elected President for Third Term â€" :‘ Other Officers Are Reâ€"electedâ€" Endorse Resolution .. "to Have Nickel Ore Refined in Canada. Mr. and Mrs. Frank Good r of Guelph, is a visitor home of her brother, Mr. â€"Carthew. ¢ at the home ofâ€" her is in Windsor, Ont. w- Umbach of Guelph, was "in town over Sunday. Committeeâ€"L. Shoh, C , A. E. Devitt. vay Committeeâ€"J. B. Hughes . Chas, Mueller, A. Bauer, C. W Geofge Hasendug of Gueiph visâ€" Monrthwnh-‘. . Stiles of Galt, spent the weekâ€"end home _ of Mr. and Mrs. J. G, , J. A. Harper, and B nufacturers‘ and Industrial comâ€" r. H. Roos, J. Chas. Muclâ€" P. V. Wilson. E. F. Seagram, C. .'a.hul.vum in on â€" Saturday. Committeoâ€"J. H. Roos, F H. M. Snvder, J. Bahnsen McPherson, Clerk _ of Presbytery, was . the Geo. A. Bruce for . a ~Miss Alfrieds Krait visited friends is Elmira on Sunday. A° Mr. C. W. Sniden is a business: vist tor in Toronto toâ€"day. e WATERL OO Mrs. A. Weideohammer of Winnipég who _ has been visiting her parents and friends for a couple of months, returned to her.home Tuesday. . Mr. W. Sherwood of Calgary, who has been visiting his fatherâ€"inâ€"law, Mr. Jacob Weidenhammer â€" left for Hamilton Tuesday morning. Rev. Mr. Brown of FRergu.,, Moderâ€" ator of the Guelph Presbytery, was the guest > of ~Dr. and Mrs.â€"J.â€"â€"H. Webb during his stay in town for the Induction of Rev. D. A. McKerracher Mr. Harry H. Snyder, son of Mr, and Mrs. Henry Snyder, of near Heiâ€" delberg, who is attending North Wesâ€" tern College, has been chosen as one of the debaters, to represent â€" the freshman â€" class, of North Western College, in a debate against the soâ€" phenores. Among the numerous local friends and admirers of Mr. Etnest Seitz who attended his recital in . Massey Hall, Toronto, on Wednesday of this week were:â€"Mrs. Geo. C. H. Lang. Mrs. Hartman Krug, Miss Marie Krug, the Misses Elinor and Esther Williams, Mrs. Percival Hilborn, Mr, and Mrs. J. J. MacCallum, and Miss Rita MacCallum, Mr. and Mrs. _ W. J. Motz, Mrs: Aug. R. Lang, Mr. C. Harry Bochmer, Miss Kirby and Mes#â€" srs. Reinhold Lang, Jerome Lang, and George Lang. Jr. * + ire «Ire _ sgmnin Mrs. J. H. Webb was the hostess of the Presbyterian Ladies‘ Aid So ciety at her home on Thursday _ afâ€" ternoon, when the ladies of the Conâ€" gregation and several visitors, inâ€" cluding a number of the charter memâ€", bers of the society from Berlin, gladâ€" ly availed themselves of the oppotâ€" tunity of becoming better :wquainbed' with the wife of the newly inducted minister, _ Mrs. D. A. HcKeracbeg.l who has simply charmed every one by her sweet unafiected manner and keep Iinterest in everything and everyone connected with the congregation. ‘This being the annual meeting . Of the Society, statements of the year‘s work were presented, showing a hand< some balance in the treasury, . and much good work accomplished in the interests of the congregation, under the guidance of Mrs. Alfred H. Snyâ€" der, who has been the capable and energetic President for the past two years. Un : 7 ons e wC 2nd Vice tel. Secretaryâ€"Mrs. Will Watson. ‘Treasurerâ€"Mrs. Jas. Watson. ‘ Visiting Committeeâ€"Mrs. Alex Howie and Miss M. Bruce. Committee to look after decorating lighting and other improvements _ in the churchâ€"Mrs. Harper, Mrs. Wm. Hogg and Mrs. S. B. Bricker. â€"Social Committeeâ€"Mrs. A. H. Snyâ€" der, Mrs. W. M. O. Lochead and Mrs. P. J. Wright. s | A resolution wasâ€"received from the | Owen Sound Board of Trade in geferâ€", ence to the mining of nickel in k+ ‘rio, and its shipment out of the im | try. It was urged that the governâ€". «ment should undertake the refinement ‘ofâ€"niczel ore in Canada. It was deâ€" cided after a‘discussion by the memâ€" bers to endorse the resolution, on moâ€" ‘tion of Messts. J. H. Roos and Thos. Hilliard. | Mr. G. .Disbe! advocated the holdâ€" ing of a M.:Jm but after a short (discussion and a resolution had been ‘m&d on, it was found that the maâ€" Jority was against it. y ) Those present were President A. , Baver, W. S. Naylor, Mayor Kaufâ€" |?n. Louis Holle, P. V. Wilson, F. .Demille, Mr. Stiles, Thos. Hilliard, A. C. Moyer, Geo. Dicbel, J. A. Mc Corkindale,. W.H. Kutt, CMW. Schiedâ€" ‘el, M. Strohb, :J. Bahnsen, R.S.Bean, jDr. W. L. Hilliard, and J. H. Roos. Endorse Resolution Pres.â€"Mrs. Wilson Bechâ€" &mlmd&"mmflummh Youru;_etonunmwmhMbmm Aftyâ€"second anâ€" nual statement of the business of mommnum-ouuu and expenditures of the past year, and the balance sheot, showing assets and I.i:mlu of the uc;nmy,: t'.ho-?;lr‘t;:_l_m_ev_e_{ Eo‘e!;.io:!:l:!fif with the auditors‘ certificate for the correctness of same appended thereto. wEsueeti e PRA EEAEte C El gen Ledg + curdics 4 ASH mfimmdzmm:mm.mmw1 amounh surance 18,563,233. ‘ o The munâ€"hrw.oue'hufi in. force is 30,485, and the total amount of insurance thereunder $4 _ f The Com: total income for the year from all sources was $272,013.44, and the expenditure $248,588.24. ._.___â€" * apT : ‘Phe total cash assets are shown to be, including accrued interest, $598,+ 434.08. The residue of premium ‘notes is $260,895.98, making the total assets of the Company %«. e s ‘The liabilities up of $4,925.00 of: unpaid losses and $124,752.89 unâ€" earned premiums are $129,677.89. ‘The balance of.cash assets over all liabilities is gu.'m.u. and if we inâ€" clude the premium notes, we have a net balance of $729,652.17. . _ . â€" _ _ . In conclusion we beg to ask your attention to the main objects of . the meeting, viz., ‘the â€"disposal of the several.statements .before. you and the elecâ€" tion of three directors. 3 «N3 + lc 1. ) Cl it 9 g eih _ The retiring directors are George Diebel, J. Howard Simpson, and James Livingston, all of whom are elegible for reâ€"election. On behalf of the Board e LA L. wl ‘gn, Waterloo, January 23rd, 1915. In moving the adoption of the report Viceâ€"President Diebel referred in feeling terms to the unavoidable‘ absence of â€" President Snider through illness. "I am sure," said the Viceâ€"President, "that we all keenly feel ~his absence, and trust that he may soon regain his former good health, so that we may have the pleasure of his companionship and the benefit of his wise counsel, which has always been of great value to the Board of Directors." In commenting upon the report Mr. Diebel said it was again of a very satisfactory nature, showing a good profit on the year‘s business and a steady gain in the assets of the company, which now closely approached the million dollar mark. The Company was seemingly unaffected by the financial string: ency that he hoped had reached its climax during the past year, being able to report a considerable increase in the amount of business â€" inâ€" force as compared with the previous year. _ o <o o4 «* . uie In seconding the motion to adopt the report Mr, Jas. Livingston of Baden, exressed his regret at the absence of the President, through iliness, and hoped for his early recovery. He had had the pleasure of being a colleague of Mr. Snider on the Board of the Company for over thirty years and had learned to respect his sound judgment in business affairs and to esteem his good socia} qualities. Mr. Livingstone in analysing certain features of the reort referâ€" red to the growing amount of gilt edged securities that were reresented in the Company‘s assets. The high interest rate ea@rned, in many cases seven per cent., was becoming an increasingly important factor in swelling the Comâ€" pany‘s income. > The report was unanimously adopted. The annual financial statement was then presented by the Managingâ€"Direcâ€" tor, Mr. Frank Haight, who gave a brief but ting analysis of the figures it contained. The year‘s business had been sa ry. . The amount of business in force Itad increased, while theâ€"losses were less than the previous year, enabling the Company to again add a substantial a bringing the total assets up to $889,335. & C ‘The scrutineers, Messrs. D. A. Bean and~ J. C. Haight, reported the unanimous reâ€"election of the three directors, Messrs. Geo. Diebel, Jas. Livâ€" ingston, and J. H. Simpson. ¢ oi esR CC & _ Votes of thanks were unanimously passed to the Board of Directors, the manager and office staff and the agents of the company. ~.. $ Upon motion the Managingâ€"Director, Mr. Frank Haight, was, on â€" the suggestion of chairman Diebel, unanimously voted a month‘s leave of absence, to be taken at his pleasure during the year. In the discussion that followed it was brought out that the manager, who is about to complete his 30th year as an executive of the Company, 15 years as assistant manager in association with the late C. M. Taylor, and 15 years as manager, has confined himself so closely to the business of the Company that he has not taken a holiday in all this period. Needless to say the leave of absence was cheerfully granted. In replying Mr. Haight thanked those present for their action. In feeling terms he spoke of his long relationship with the Company, and the bond that has resultd with the members of the Board. As manager he has been, perhaps, most closely associated with the president, and it was a matter of deep reâ€" gret that his illness prevented him from being present _ _ _ _ ___ Mr. A. Foster and Mr. J. C. Haight suitably acknowledged the vote of thanks to the agents. 5 Before adjourning a resolution of sympathy, to President Snider, moved by Messrs. Simpson and Wideman, was passed. Balance on hand Dec. 31st, MH13 22. ... o isl iss tery Premiums Cash and Fees . $135,051,83 Premiums Mutual ... ...... â€" 90,103.78 Interest :.. ... .... 22,879.62 Rents ... ... .+« i«.::..««<‘ $,1000.00 Reâ€"Insurance ... ..... ... ©22,878.21 Real Estate ... ..... ... Mortgages ... ... 0... ... Debentures ... ... .... . Agents‘ Balances and Bills Receivable .. .... ...... Office Furniture and Goad‘s ~ PMans . ... .<.>..._..+.. 400000 Cash on Hand and in Bank 22,745.69 Interest Accrued ... ... ... 19,223.10 Cash Balance over all Liabilities.. ... .... Unassessed Balance of Premium Notes * Total of Asset® ... ... .s2l 0k cÂ¥ 4e k26 e Deposit with the Government ... WM. SNIDER,: President ... > Waterloo, January 5th, 1915. _ â€" _ _ __ To the President, Directors and Policy Holders of, the Waterioo Mutual Fire Insurance Company. * mm.â€"w.u&bmmtnhnmh.mmmyum of the accounts of your , for the year ending 31st December, 1914, and that we find the same correct and according to the statements submitted by us. We have also examined the securities held by your Company, and find that wmmmm-nm»mmudmu also submitted by us. J. M. Scully, F. C, A., Richard Roschman, . Auditors Waterloo, Ont., 20th January, 1915, Annual Meeting on Sat urday tors Were Reâ€"elected. P Receipts. For the Year Ending December 31st, 1914. WDUAZ DIRECTORS‘ REPORT. FINANCIAL STATEMENT. . $555,780.18 $827,1793.62 $598,434.08 Audited and found correct. .. _ _. J. M. SCULLY, F.C.A,, AUDITORS‘ REPORT. $25,000.00 10,950.00 507,525.13 (Signed) GEORCGE DIEBEL, Viceâ€"President Losses ... ... ... ... . $138,332.86 Reâ€"insurance and Rebates.. 42,343.44 Commissions and Bonus.. 33,279.77 Salaries, Directors‘ Fees, Audiâ€" _ _ tors and care of office 21,119.50 Adjusting Losses, Travelling Exâ€" penses and Solicitors‘ Fees 2,932.69 Statutory Assessment,, Underâ€" writers, and Taxes .. ... 3,237.55 Postage, Telephone, Telegram, Express and Exchange ... 1,496.94 Books and Stationery, Adver tising and Printing ... ... 3,102.41 Fuel, light, repairs and misâ€" fe cellaneous .. Patriotic Fund Profit and Loss Unpaid Losses (net) Unearned Premiums RICHARD ROSCHMAN, Auditors. a in tiiny Sb 3 Bg .. ... .. } $468,756.19 llolll.... 260,895.98 2‘... ... _ . $89,335.06 .. . . .. $50,000.00 FRANK HAIGHT, Becretary. Expenditures. Liabilities. ‘â€"â€"â€" DireGg $827,793.62 . . 942.69 . . 1,000.00 + 795.39 579,210.38 $598,434.08 $ 4,925.00 124,752.89 468,1756.19 â€"| ANNUAL â€" Mcgeâ€"Williamson.â€"On Jan 12th ab London, Sergeant Geo. Mogg, forâ€" merly of Galt, to Miss Sylvia Wilâ€" liamson of Montreal. Pexrinâ€"Huber.â€"At Galt, on Jan. 6th ! Miss Caroline E. Huber, to Mr. J. Stanley Perrin. Windellâ€"Emmet.â€"At Sparta, Ont., Jan. 16. Miss Zelpba M. Emmett to Captain Arthur J. Windell af Galt. Foéersterâ€"Gateman.â€"In North East: hope on Jan. 13, Miss Arnetta Gateâ€" man to Mr. Wm. Foerster, . Kunkelâ€"Bichn.â€"At Berlin, Jan. 13th, Miss Barbara Bichn to Mr. Alfred / Kunkel of Guernsey Sask. During the past week hundreds and hunjreds of customors have taken adâ€" The balance of our 1914 Regular 12%4c. ‘;"o' per yd. lA"ll our 12%¢ and. T5c ttmt:neoiw;rd Ioe An odd lot of White and Grey Corsets, odd sizes, your choi’ce, per pair 250 Boys‘ regular $1 and $1.25, for 75c 15 per cent. discount on allLadies‘ andCGent‘s Coats. ® Boys‘ reg. $1,50 3 yand i‘.75, for 1.19 S.â€"B. Bricker & Co.. Sweater Coats Means decided bargains in all lines of Winter Goods. Never have we oftered such splendid merchandise for so little money. In women‘s and children‘s warm clothinfi, such as Coats, Furs, Underwear}this is certainly the time to buy. This week we offer the following and many other lines which cannot be enumerated here. + Our Big f JANUARY SALE Wrapperettes Ladies black lined Coats with fur collars and reveres excellent cloths and good western sable fur, §22 for .. ... ....> sww Ladies fur lined Coats, muskâ€" rat lining, western sable collars and reveres, worth $465.00 for Beautiful sets of Scarf â€" and Muff to match, in mink marmot, black wolf, all réduced prices, $10.00, $15.00, $20.00 to $50.‘00 per set. _ _ $28 for Regular $55 for Sweeping January Bargains CORSETS Women‘s Coais EFurs, Furs per yard wh AF + CAtope MEANS A CREAT DEAL_TO THE THRIFTY SHOPPER, See what we have in store for you this week : KING STREET 10c LangBros 20 pieces of Tweed and plain ‘ Dress _ Fabrics, Sale price a yd. The Quick Cle:rinf Prices are as folâ€" lows: % Reg. $15 and € $$18, To 10.00 Reg. $12 and @7 05 Reg. $12 and s $10, for greatly reduced. Buys slaughter house and shop .... Tallow at market prices. .. DEAD ANIMALS REMOVED FREE Within a radius of Ten Miles. PHONE 1309. DRESS GOODS * SALE MEN‘S OVERâ€" COATS Ladies black and colored cloth Coats in all sizes, suitable . for misses and ladies, large and smail sizes, worth $6.50 to}t.w. for . Coats worth from $8.00 to $12 106 .. .... ... 1<c.iss:. $49 tor ... ... ... >}>>>****$675G Coates worth from $16.‘50, $20, to $25 fOP ... c.c.ome.)+ ‘9.” CHILDOREN‘s coaTs Children‘s good Winter Coats, â€".0 ... G0. en. #4a to QEAN BOYS‘ OVERâ€" COATS New Dress Goods and Cotton Goods, new Embrocideries, Prints, etc. are now shown, also Ladies Home Journal Paiterns, price 10 & 156 Ladies‘ Cloth Coats at $3.50 Berlin Renderâ€" ing Co. Coate worth from $12 to $16.50 NOTICE. 4 3 mos. WATERLOO ‘SpringBrookStock!'arm LADIES‘ COATS Bri our daughters h:r:u a good warm Coat. Regular $10, CRA NA For Sale: 6 Holstein bulls of richâ€" est breeding, â€" ages from 1. to 15 months old. . All bred. by Sir Kornâ€" dyke Boon, one of the best and richâ€" est bred bulls in America, â€" whose dam.has a butter record. of 32.17 lbs. in 7 days, â€" and 130,118 lbs. in 30 days, milk testing 4.86 per cent. fat. A rare chance.to improve your daity cattle. Bargains to quick buyers. _ for â€" â€" > Regular $12 > to $16,â€" for See our See our $4.00 Coats for Noteâ€"New 1915 Prints arrived last week. 25 per cent. disc. Great Bargains in Rugs, Cur« tains and Wall Papers. . _ 100 pairs of Lace Curtains in ecru, 2%, ‘and 3 yards tong, regular $1.50 and $2 for ... 85e _Other lines of white and cream Curtains, worth $1.50 for $1.00 [Ruge, : ( yarde, w;::.::'& u?r $900 RUGS Brussele Ruge, size 3 x 3%%, worth $18 to $20 for .. ‘lm Wiltoh Ruge,.size 3x3!/,, worth $28 to $32 for . ... ‘ym Carpet Department s " 14 $2 to $2.50 for for .... HOUSEHOLD EFFECTS Coats for A. C. HALLMAN, ‘ Breslau, Ont. 1â€"t.