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& wehave in the experience of the} Fife during the past year three poterit t*work to increase the profits of the| ipany‘s fiftyâ€"two years of beneficent wo:jk.‘ "company being established on a purely | itual basis makes this result all the more! tercting, because the whole of the surplus Asedâ€"€ither toâ€" reduce premiums, to inérease! e angount of the insurance, or is paid in cash.\ s étatement shows that for every $1,000 %ted assets the company this year has nod, $46.47, as against $88.67 in the preâ€" f every test the Mutual Life of Canada %gronger position today than it has ever Tefore, and this is saying a good deal, geryone of its fiftyâ€"two years has witnessâ€" gady â€"progress, not only in financial standâ€" Â¥ut: also in the extent of the company‘s itions. It has been a wonderful year for policyholders of this popular Canadian en AM Â¥e Board of Directors, General Manager "and staff are to,.be congratulated upon §gh excellence of the company‘s showing b establishment of a new record in the of surplus earnings in a year of worldâ€" hn“ is depression. is is mainly acquired through the ~of three factors, namelyâ€"a low exâ€" l;yio"*iflx interest earnings and low . ‘Now it happened that in the year these factors operated\so as to proâ€" tio of expense to income, feli . ifim to 18.60 per cent. This A company‘s affairs have been romically handled. | investments were so carefully placed Ehtcpt,earninn have risen from, â€"per sent to 6.60 per cent., that is be:interest earned on invested assets %‘fifiue 6.60 per cent. during the sideting the variety of securities pany handles, this average interest M good., The third feature te" bec intelligent observers had d a heavy mortality in the years imâ€" y Lfellowing the war. That forecast ven to be incorrect and the disburseâ€" or degth claims during 1921 were only re â€"+hundred and thirtyâ€"four thousand igs at $5,000 each, suffitcient to house‘ ‘persons, could be built with the money res in the United States from 1915 to .;uaoniin; to figures given out by the Board of Fire Underwriters. _ , Woard places the national fire loss durâ€" Aveâ€"year period at $1,672,722,677, based %;larm:'truly astonishing result. The amount to $48,211,208.98, having inâ€" " over the preceding year by $5,363,â€" business in force. ;lg.-:offithe\amount that the‘standard ‘»mortality , might have led them to &;râ€"yâ€".is leks important than the thes and smoking hazards are held reâ€"| ately they were~poOO® &UCPUC‘E. l6 for $30,000,000 of losses, according * * * § report. _Next comes electricity, which Now that the Allied nations have agreed fires costing $36,000,000. Stoves, furâ€" to the .terms of the disarmament treaty at| boilers and pipes caused a loss of $63,â€" Washington, it remains to be seen! whethu} i; defective chimneys and flues, $61,â€"] the U S. Senate will be satisfied. | 4 and "éxpodure," which means comâ€" * * * 2| id fipes, $288,000,000. ‘The adoption of the naval limitation treaty, M Qf comparison, the underwriters| as well as the spetial treatios respecting subâ€" ho_nn-yur‘fln'louuoftheufl marines and poison gas, by the five great bud $5,000 homes for the entire popuâ€" pcnn&:omo{thomocthopduldmcdflu Nevada, Wyoming and Connecticut. | times old'wotldhuu':prhullin-nv ,16.722Mhmst 1 ‘.‘.® *# %® adhgw would purchase 16,722 grams It will, be: good news _torm»ofm , Vite costliest of earth‘s products.‘ Kitchener and Waterldo Street Railway to know Â¥even per cent., $856,000,000, of the | that shuch needéd accommbdation in the for -:mnrwfia“â€"wm-m.bmu sls 1i C en se he ons o . oi Ts 3c atracte 4 f been the largest in the history y.udwlunweruncnbuvhg utual Life had already ‘achieved gannot fail to be impressive, | is‘ of the company is now more 000, having increased by $22,â€" E the year that ‘has passed. year will place the company apnamxqu appeats elsewhere in a most gratifying :state .of ; business of Canada‘s great DOUS LOSSES BY FIRZS of over 3,000,000 reports ‘0f " . 7|| ~MEAUrE comprrions TN CANADA . j« :PR _ .| _ fhis Dominion is mot getting away to a| 5> is l ; sunplied‘ by‘ tlibse who are in a postion income, fell *E ~ _ *_*|With a municipally owned and opera with a foss | run for the benefit of its patrons, wer ignorance and restricted revenue on the p&ATL of those compelled to reside in poor lodgings. The lecturer quoted Lloyd George in & speech at Manchester as saying that nothing ‘ in his experience "during the war had been so humiliating as the medical report on the men | offered for the army. Had the people of Great i Britain performed their duty properly during the previous twenty"five years, remembering * Disraeli‘s dictum that "Public health‘ is the foundation on which rests the happiness of the nation," they would have been saved the humilâ€" iation of learning the physical defects of their manhood, a million more men would have been ‘ available for the army, and the war would i have been terminated aâ€"year earlier. f § In reviewing the numerous s#urveys that $ ‘had been madé, Dr. Hastings said that in Toâ€" ; ronto jnspection of children in their first a::hool An es S op on psign _ RGEECC rlny\/v-â€"v-. D PRORIIEY year had revealed that fifty per cent. of the pupils were suffering from defects other than dental ones. Man power, brain and brawn, was the most valuable asset the nation posâ€" sesses. If we are to profit by thatdesson taught by the war, and not slumber over it; we must get to the causes of physical defects and reâ€" medy these causes. » In. considering these causes all conditions should be taken into conâ€" sideration and the various organizations interâ€"l ested in that form of welfare should get toâ€" gether and be prepared to coâ€"operate in team work. Statistics would prove that bad housing is responsible for tuberculosis, infantile morâ€" tality, underâ€"development, or malnutrition. The only treatment for tuberculosis is sunlight, {fresh air, good food and regulated exercise, be proportionated between housing, the indiâ€" i vidual and revenue. There was always the question of what a man could afford. Limited !revenue meant restricted diet, clothing, housâ€" ing and every activity needed for the obtaining | of good health. _ _ ‘ The speaker condemned the housing situâ€" ation that compelled workers of limited means \ to live in places that were unfit for human habiâ€" 1ODIL EHRQ BMUCO ENCE OO 0 CC and such things could not be obtained in the dwellings of those most afflicted. In dealing with the causes of these diseases they must tation. These congested areas found in every | city of one hundred lt)Zusand population -or] more were always hotbéds of crime and from them came the majority of the cases of juvenâ€" ile delinquency. + ‘ One cannot avoid the conclusion that the state must take a more active interest in the problem of human health. It seems that the [nation which gets down to this job in earnest iis going to culfivate a resource that is bound | to put it in the forefront. None of them, lhowever, have exhibited a tendency to spend an adequate amount of moiley in this direction. It would seem that the desire for sometimes has fatal consequences. ‘The Boy Scouts of Canada are agreed that Lord Byng as Chief Scout is a real scout. Old Bruin had no sooner returned to his sleeping quarters on Thursday than l(i'n( Winter put in an appearance to stay for a week or two. There "are those who predicted: that the Arms Conférence at Washington would nayer arrive at a workable agreement, but fgrtunâ€" ately they were~poor guessers. + . NOTE AND COMMENT. they must . the indiâ€" ‘The section . was originally il-‘ tended to disfranchise alien enemy women unjess they were able to secure a certificate from a county judge testifying that they were en titled to vote. The section, howâ€" ever, applied equally to women born in France, Norway and other counâ€" tries who became British subjects Mr. Euler, in his attack on the secâ€"| tion at the time the act was paued,1 and subsequently, took the sl.and; that any woman who was & British subject, either through marriage orl by birth, should be entitled to vote without hindrance. A curious tea~] ture of the section is that under it _ a Mexican woman who became a British subject through marriage may vote, but at the same time â€"reâ€" fuses the privilege to a woman born in France or Belgium, unless the necessary certificate is secured. Marquis Wheat * Is Still Popular In the Northwest WINNIPEG, Man., Feb. 2. â€" Mar| _ _ 0 C 00 0000 0_ guls wheat still is the popular \var-'i â€" T1 lety <among western ~ farmers, ac cording to Winnipeg officials of !.he; Plumb.ershot Cafe seed branch of the Federal Departâ€"‘ Waiter 8t New York ment of Agriculture. It will be more | sn extensively grown this year on the, . ypay f | _# YORK, l‘a‘ £.â€"A ~cafe :fi;l’:h::t‘nh o:::er "I:h::o:‘:;i:liyu‘l waiter is dead and two ‘patroms are â€" 7 * |\ in a hospital because a YOUnE | :’":"::.‘":":“ ;° r;"m"““"”'q plumber started shooting his pistol ‘ leltly is also :.xpocte' y dato be :‘::wnnv:;‘ P t otest against the 'c‘o'lz: of ‘ f s | the place just as h tered t tensively. The object in using it so:::" f&xl’uin‘ the e‘:,:x]’ mt ”|~ is to avoid, to some extent, the e(-l hours ‘today. * :::ib‘l):‘ f.'fl:f":: dr::;:‘h:t .:ds::;i That was the story told the pulice | when they charged as Gilmarâ€" only in areas where rainfall is not| ,,; n a : Tpoma« GMnA® undant A ! tin and his companion, John Ryan, * The eedâ€"branch conducts seed | with felonious agsault. Gilmartin testing work here forâ€"the benefit of genibd mhat ho N#A 'ql;“’-‘-he yat wea n * 5 but others said he shot it six times farmers. . Supervision over noc\uj "I’ll‘:how ou who‘s num'i' this offered by seed how#es, seeing that | is * ne They con to requirements and| dump," Gilmartin was quoted as say 1 No re -u' tion, is siso looked t-E ing when Charles DeWolf, the wai ‘:‘_ b’ officinle m Thet locai b nah er, told him he could pot be serve i Y C f’ age FaRt ‘ at a Second Avenue cafe, because 1 1 i mm _ o Wlfe i“ed, on l shooting began. There were 8!x. and ncle Shot by 1 shots and many patrons dived under . tables. Police found DeWolf pierced Anm HUSband] by two bulléts and twob diners less M s C .. | severety wounded. DeWolf > died VANCOUVER, Feb. 1. â€"Mrs, bd-‘ later im the hospital. 9 he & ave e-L * :nd w(:te | Pr(l;f ?f Human > ranlized A en halt of the women of .Bweden. en won franckise rights at the polis in the eléctions of 1921, the first year tilg to & report of th@‘ Swedish Cén tral Bureau of Statistics just made nflle.flovm.tlcolehlw of the 1921 elections give the suffâ€" ragist leaders at least two ‘cauds for the number of women voters &rceedâ€" ed the‘ male voters in the capital of Stockholm by more than> 5,000 votâ€" â€" The official report shows that 47.1 percent of the Swedish women votâ€" ers cast their ballots while 61.9 pérâ€" cent of the men ‘¥oted. The total woâ€" men‘s vote in the city of Stockholim was 76,566, while votes cast by men was 71,196. . Late Pope Did All He Could To +kz V'Wi"'“"’iv"'.‘ STOCKHOLM, Â¥eb, 2.â€"Lessâ€"than ned LONDON, Feb. 1.â€""Benedict did. all he could to bring an end to the war, remaining strictly neutral himâ€" telf," declered Cardinal Logue, priâ€" mate of Ireland, to the Rome corâ€" respondent of the London Times, ‘The cardinal explained the necessity of economy by pointing out that the late Pope "gave away every penny he could find." ‘Calling attention to the Pontiff‘s neutral éfforts to terminate, the war, he added: 2(« ) * ! te io s he added: («*‘! * t : 14. 5; 5 ~‘When he found he could not end it, he devoted all his energigl and money to relieve the suffering it had caused, Surely, .never was there a more generous Pope." That was the story told the police | when they charged Thomas Gilmarâ€" tin and his companion, John Ryan, with felonious agsault. AOllmnrt.ln deniéd that he had firéd the gun, but others said he shot‘it six times. "I‘ll show you who‘s running this dump," Gilmartin was quoted as say~ ing when Charles DeWolf, the waitâ€" er, told him hbe could pot be served at a Second Avenue cafe, because it was past closing time. . Thenâ€" the }nhootlng began. There were six LONDON, Jan. 31.â€"Great surprise was expressed Sunday night on reâ€" ceipt of the news of the death of Sir Ernest Shackleton. There were uniâ€" versal expressions of sorrow and the newspapers this morning give great prominence . to his career and End Great War seriés of lectures allibility GALT, Ont., Feb. 1â€"At last night s meeting of the Board of Trade, the nominating: committee presented its xeport which > was adopted. _ The officers for. 1922 aro as follows: Preâ€" sident, 8. L. Clark; Viceâ€"President, \W. W. Wilkinson; Treasurer, w. pmilin~â€" Secretary. H. J. Foster: Officers of Galt | Board of Trade Elected for Year G. Bernkardt appeared before the board and requested support in a movement to secure a _ larke agriâ€" cultural hi im Dickson Park _ for the Fall Fair. _ A special commitâ€" tee from the board was appointel to cooperate with the directors of the Agriculturalâ€" *Bociety. } Plans for a membership «ampaign to be held ehortly were _ laid last wi_nixht. the canvass to be held in the ‘Hear future. Remodel Building i The Canadian Bank of Commerce, owner of tbe commercial _ block at Galt‘s chief corner of business, Main and Water streets, announces that it will completely remodel the building which was erected between 1848 and 1850, and toâ€"day there is not evidenâ€" ce bf a crack in its stone walls, s0 \the firchitects decided it was worth lm%lervulon. and simply plan alter \ ations to imfrove its exterior appearâ€" 1mce. while the interior will be enâ€" tylly Modefl@, and one of the est banking rooms in this part the Province installed. . The w will be started in the early spring Bomb Thrown at i President Of â€"State of Fiume FIUME, Feb. 1.‘â€"An attempt was ) F ‘ orsâ€"Messrs. H. D. CICMIOM®, EOPIAECS made on the life off Prolidentjnn. \ + lw “lbfll‘l ting the United Farmersk.Coâ€"Operaâ€" ella of the independent state of F# lmj Company; F._W. Richardson, ume as be was leaving his botel in j t ‘ representing _ the. Rlachford" Calf a motor car yesterday. A bo“_'b ‘ Creditors of Linwood c°'1 Meal Company, and F_ W. Hay, reâ€" mm m aan eur c mc Getiame 2B TAsbAc was thrown at the machine, but the Prsident was not injured. A‘ member of the Chamber of De puties and . a potice officer were wounded by, the expiosion. Two Preliminary lects on St. L , ALBANY, N.Y., Feb. 3.â€"AWO PC liminary permits authorizing surveys for water power projects in the St. Lawrence Rivet, which would make 1,000,000 horsepower available _ on the United States side of the river and which, if developed, would reâ€" sult in the saving of approxt -toly‘ 10,000,006 tons of coal urnlly,t have been issued during thé year by the state water power commission, according to the annual report made public ‘yesterday. An additional 1/ 000,000 horsepower would be made available by these projects on the Every time you b‘u;(‘yl'l "5UKPHK 1 SH _ you get a big, bright, solid bar of the highest grade household soap. pevELOP WATER POW ER inary Permits‘ for P 8t. Lawrence Issued. N.Y., Feb. 3.â€"Two preâ€" Always Good simply plan ‘“'"'! Canadian side, the report says. its exterior appearâ€"| while the permits do not lctul-i nterior will be enâ€" 1y authorize development, the com:â€"| and one of the “n'l mission‘s »gport makes it plain t.h;t‘ is in this part 0f| they clear the way for "a complete alled. ‘The work‘ license to develop the projects upon the early spring. tsuch conditions and at such rentals . as the commjssion may determine.‘" At last night‘s of Trade, the presented its dovnted. â€" The machine, but the , . PURE HARD STOCK VALUED (*>> 100 HIGHLY : : SUBSCRIBE TODAY FOR _ The Chronicleâ€"Telegraph _ Your Home Town Paper Many Waterioo County people ate interested in the meeting of the cre ditors of the Linwood Coâ€"Operative Company, held in Toronto on Friday afternoon, when & nt_utemem. issued showed discrepancies to a total val us of between $8,000 and 39,000.. The companty recent!® made an assignâ€" noiaed 1 10 mc n ment to RutherIOr® M I!I""*" Company. Mr. Rn(h"tofd Williamson, the following statement of UE Mr. nn(h’»totd Williamson, issued. the following statement oft _ the nt-‘ fairs of the Company a8 of Jan. 19: | Limbilities: _ Preferred creditors, . $531.65; secured creditors, Bank of Nova Sootia, $7,140.98; less accounté. recoiveatble and less unpaid _ stock subscription, $2,447.14; unsecured ereditors, $12,665.12; total, $17,899â€" 61 etc., $3,854.03; elevator located on C. \ P. R. eiding and warebouse located on leasehold proparty, $3,000 ; ofle‘ share stock Farpfers Publishing Co. Ltd., $100; accounts recelveable, see ‘ contra $1,9911%; J. E. McKay, overâ€" drawnâ€" account, 51,373.12; capital stock enbscribed, _“'M; capital stock paid, $5,525; balance subsorib ed and unpalid, $975, balance unpaid Where Real News Is Paramount In the country newspaper, sensations, scanâ€" dalsâ€"the recording of human miseryâ€"is alâ€" most taboo. At lea.ssit is oertain}g:econd-’ ary to the printing 0 real news about peoâ€" ple and things. 1 For. the province of the country paper â€"â€" â€"your. Home Town Paperâ€"is to give comâ€" munity interests first place, printing the more or less sensational Pe.rsonal iterns only when necessary to keep faith with subscribâ€" .ers who pay for ALL the news. ©a whW CMIPMAY MA CCE L assigned to bank, as collateral, $450; hbalance, to be recovered by trustes, $505; total, $8,052.15. Book deficienâ€" ey,, $9.038.40. _ Indirect HMabMity to in ‘Mloothfor paper disâ€" counted, $9,898.82.. f deimmnrens ne Compaiy‘s‘ Actuaty on the vais . declared that too high Assests: Inventory of Therefore, your Home Town Paper, The Chronic}e-Telegr:gh, can give you, in full measure and overflowing, 100 per cent. pure news about the people in whom gou are most interesbedâ€"’%our relatives and friends of the Old Home Town. x f ‘Operative Hold Meeting Rutherford Williamson and "SURPRISE*" * merchandise a value had been set on the S10CK, in the inventory taken . a yeAr A8O, v?en he had assumed charge. Since the gompany‘s failure he stated, he had discovered an error in addition which accounted for 20,000 pounds of corn, and he believed 'tw % might be other similar errorg. It W&s decided to have Mr. McKay examinâ€" . \ad under the provisions of the M | ruptcy Act. * A ..+ Disposal of the company‘s assests was left in the hands ot‘nu ingpectâ€" EJECTED FROM erenierms orkiceâ€" !/~. *‘;”"’ . â€" a VICTORIA, B. C., Fap. 2.â€"Premier Joh Oliver yenfiw.h’)g ‘his private office & T er/of & deâ€" legation of unemployed * who advo. cated extreme tredbures. :; Women," led by a few men, attemptéd to oreâ€" ate some excitement at fi':flb- ment buildings when they -'n-qt into the premier‘s office. They doâ€" !mded that the premier ull"fi | legislature tmthn'q.gd vo%"v; presenting Hay Brothers, of Listoâ€" DIED °N LONDQN . " LONDON, . Qnt., â€"Feb 2 T. Campbelt, exâ€"mayor 6f died at his restdence, $27 Avenue, early © this «morBiN@. 4 Campbell, who, was 18 rfl. had been in failing health for the past two months, He has w many â€"important . positiogs in the city and was past grand sire of the 1.0.0.F _ â€"#ho live thereâ€" ... SUBSCRIBE FOR Y HOME TOWN PAP .. in on end L Messrs. H. B. Clemens, represen THERE‘S JUST #%»% 2 °T "tly i aaiee OE lic: a Jral -r.n'.'i‘:‘.k_h,r es s