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2dl 5,}; i _ -tt.e80at ml. la' ‘ o--,--,.....-;....- l “I.” .............s....-.,..V I. out: m w WWW.” w' - ADVIR‘HIIM MT” 0- application. “as“ any and and who _ "s-iiatorthartte.rtmrr-uh-ht_ The results of the yesr's operations which were again most successful]! carried on during the twelve months ending December 31st Inst. served to further enhance the tine animation and to strengthen still more the a.ltdr, solid ind substantial position of Waterlo6's pioneer insurance institution, the Waterloo Mutual Fire Insunnce Company, which held its annual meeting on Saturday. The eminently satitdaetpry finaneial posi- tion of the company which now has total cash assets of nearly one and a half million dollars) coupled with the sound and progressive man- agement which has always characterized its conduct, has from year to year, in increasing measure, won the Confidence of the insuring public. Last year this confidence was again strikingly in evidence. The company eclipsed all previous years it the amount of new busi- ness placed on its books and with the eo- operation of a large and energetic field force, surpassed all records of past years with a total increase of $5,747,422. The total amount of business in force- has now reached the large total of $80,989,669. Despite the fact that losses continued high, although not abnormally so, the Waterloo Mu- tual was enabled to make a net profit on the year's business of $74,432.43 which included underwriting profit and interest earnings, per- mitting the company to add substantially to its reserve fund. A commendable feature of the eompany's operations is that policyholders have been given adequate insurance at practically cost. The review of the history of the company by the president, Mr. Shah, revealed the inter- esting fact that the Waterloo Mutual was not only the pioneer insurance company of this town but also that it was organized prior to Confederation, the Diamond Jubilee of which is to be observed this year. Fitting tribute was paid to the founders of the company who so well laid the foundations of the company whose history constitutes a record of uninterrupted progress. The decision to place the portraits of the founders in the head office building of the company will constitute a well deserved tribute to their memory. N m" Int-cu. In his remarks the manager, Mr. Foster, made timely, reference to the need of constant care and vigilance if fire waste is to be reduced to any considerable degree. He emphasized the fact that insurance companies are only tax collectors and are merely the means of distri- buting the fire waste among the many. The greater the fire waste the higher the insurance premiums will be, stated Mr. Foster, the public in the last analysis paying the cost. In the realization of this fact, together with the Crea- tion of a public sentiment against carelessness in the handling of fire, and the erection of structures with a view to eliminating fire waste, lies the way to a reduction in our loss ratio so that it will favorably compare with that of European countries where the fire Waste is at a minimum, concluded Mr. Foster. The Waterloo Mutual, as a result of the year's operations, enters the new year with its high standing still further enhanced and strengthened, a condition which will give genu- ine satisfaction to its many policyholders who at the annual meeting voiced their sincere ap- preciation of the splendid way in which the affairs of the compgny are being administered. Among the life insurance companies or- ganized within recent years in Canada, the Ontario Equitable Life and Accident Insurance Company occupies a unique position. Formed six years ago, it has a record of growth which challenges comparison, having within that short period of time placed upon its books over thirty-three millions of insurance. To-day it is looked upon as one of Canada's moat promis- int and flourishing insurance companies, having solidly established itself in the eorW dence of the insuring public. FIIIMAN KILLID IN RAILWAY COLLIIION Sine-lion that than my hue but I crlnlnnl hunk behind the wk on loudly "can; It Thomp- mm lull-3. Nov. MIA. of tho lulu-o um uni the can we of tho Gamma Nattemat “My; - to the (at. on hoo- t”. Down Ctr-rumors. I“: ttA, on.“ on no HIM '" III“. ud new. not. of man that m the III-m... m- ‘IIII In lot-Iran. M! w WAmmo Imam. m INJOYS Audi-an HIGHLY success- choked ONTARIO )EQUITABLE HAS BEST _ _ YEAR IN ITS HISTORY . 1 or-tttttsth.-" Mn qrtth Im- E’S when the unbound Limited, from Mot-tron] tor mum. VII wining. It " got that“! that my ot the Injured no It: dear" at death. If. ".--Ne%te. hm OI. - In . a. innum- mm. a. mu non-ac a. an - N, Otha ”on! n REPORT OF ILOOIINODALI "HOOK, b B. I2. WAT'ILOO Tho- mrhd with u: not!!!“ won “an: M on. or not. on... \ m 'tttttttt Ir. m--uttor Rollin". 135. not km. " - MI N. tomatofttr+r-tMrrtert't. you 1-rartseitabtrmtiafterfhet. jto}. Aa-thed-No {mMeI-td- rummage Mjmlhuhhvod was . lower mortatitrratioaruir" “35% IHS' "iaiGiG'i"%ititiiiut annular” intact outings.“ ch 2.6 tteq bun-Inf f 6.0398111 at "ttw tn 1.3“ the Tl', and M resulting m,w ing the limit of notation hm $6,000 tr810e 000 made pouible by the Won of the Reinsurance Comma! with the Ohmic Ban“, able. With theee favorable {when the Ina beaamoatsntiaaetorrt-einth_ phuortheeomr-r,arotrart_t,otherey abquired from the Reinsurance Canpany. The surplus waa' increased by $160,000 to $246.- 158.26. It in interesting to note that the Nominal income of the company he. now pound the million mark while its use“ have necked the large total of ts,gst2,sttr."g2 wilting princi- pally of government and municipal bonds and first mortgages on improved real egtate. An examination of the statements present- ed unquestionably reveals, as the energetic founder and president of the company, Mr. S. C. Tweed, pointed out in his address, that it had enjoyed the beat year in ita history. The Ontario Equitable has every reason to look for- ward to the future with confidence under the capable guidance of Mr. Tweed and those" associated with him in the management of this splendidly administered company which hats achieved such remarkable records in the insur- l The reports submitted afforded evidence iof _continued progress. With the general out- ilook for business in general excellent, the pro- spects of the company for the coming year are most pmmising under the direction of its cap- able manager, Mr. R. E. Patterson, and the company's strong Board of Directors which is headed by the well known insurance and busi- ness man, Mr. E. F. Seagram. A ance field. The second annual statement submitted to the shareholders of the Merchants Casualty Insurance Company of Waterloo, at its meet- ing on Monday indicated that it had materially strengthened its position as a result" of the year's operations. A substantial increase was reported both in the gross and net premiums written while a material amount was also added to its assets which now total $458,086.83. Investments in bonds, debentures and mort- gages now stand at $357,363,908. The premium reserves were increased to $211,184.01. Among the Lieftenant Governors of On- tario none has retired with a greater measure of public approval than Colonel Henry Cock- shutt, who recently completed his term of office. Such was the general appreciation of the manner in which he had discharged the duties of the position that he was tendered a banquet the other day in the city of Toronto at which over two thousand gathered from \all parts of the province to do him honor and to express their satisfaction with the public-. spirited and altogether acceptable way in which We had filled the high office of Lieutenant Governor of this banner province. Col. Cockshutt during his occupancy of the position sought to bring together at Govern- ment House representative citizens from every section of the province in order that the spirit of eo-operation for the development of Ontario might be more actively promoted. He set an example worthy of emulation in his love of pro- vince and country, his high idealsof service and in the whole-hearted way in which he sought to advance the interests of the province and Dominion. The gathering was a well- deserved and spontaneous tribute to a man who exemplified the highest type of citizenship. “In “N m The Hespeler-Guelph roauris now embraced in the Provincial highway: system. Steps are being considered with g view to having this road paved at as an early o date as possible. A paved roadway to Guelph from Bonnier would certainly be appreciated by motorists generally. PUBLIC-SPIRITED SERVICE APPRECIATED MERCHANTS CASUALTY STRENGTHENS POSITION EDITORIAL NOTES Ylnti " Alfred Knit " Marjorie Coach 55. Olen Behind! " Sr. Ila-In Schmidt " Ju- In!- der tt, Ruth Thom " Wlltnd Shun: TO. J. - DIM. Inch". Junior “no. dt, Il-Clnulu Yuan 70. = (on ti, Inn-loo Cum " I- nin- mm. " Atbirt Willie 03. - M u. With m m t. t,--Ttr-t flu-I. “In! loll-m. Br,Pt.--tt- M M mgmmummh. mm. . 't.rt.-D-t" M. m 3.1mm. q9gl0M09ksT_ 000.00. try tau. and to let It. Duh-'5 unto-alt mu u the“ 0mm urn-OIL The "ttt Mr. Ford - to to- invut the constantly mm mat- at the company In um plus to. told by Mr. Davin. no told. too, ot the rob-moi ot tho Do‘du brotbon min-t thin policy. o robu- liou that "mind in I suit in eduity (founding distribution on dividondl of o surplus of $53,000,000. The nit brought B distribution of 810,000,000 or the surplus old duct-ion oi Hoary Ford to buy out " minority Moeb holdou. A and by Kari Ford to start o new new" ot Mo on in 1919 after lain: tho my. broth. en’ suit forced them to loll out to Ford, Mr. Dov!" doclnod. Valuation of M. . It in upon the "button of thir' minority stock. when over by Henry‘ Ford in U10, that the pro-Int euit hinges. Counsel tor the minority stockholders ere ondenvorin; to show that Dune] C. Roper, then Commiuioner ot intern! Revenue.‘ Authorised a ulnntion ot $9,430.“ A ehnre on Much I. 1918. up to’ the time ot the “I. ot the noel. The Govommont contend: the: the vein-I tttion ebouid bu. been none ”.600 a ebnre. the main: 'teottta thoro- lore being mentor and e sweeter in being due the Government. l lore Dem; (renter Ill) I [re-II" an - belnx duo the Government. J) The right or the Government to“: re-open the cue ener having "ttd . I. market price on the stock end having accepted the ten peymente‘ on that been. In being chellenud by; the petitioners. I It has been truly aid that "Travel; in a liberal education" and thin ek. I preselon was never no true as It is today. The whole world, no to speak. has made any ot accent by trim“ portation systems, by rail, ocean.‘ automobile and aeroplane. While the advantages ot travel are not! available to the mnurAnatend of the few, the tenement.- ot modern nil- road transportation end the encting requirements of the modern travel- ler as regards his creature contort have combined to nuke the detailed arrangements of II exteneive tttttr. iet trip rather complex. Every trav- eller making a nation trip ,risha' to derive the utmoet ttetteitt in plane are and education end to ”and on little time u ponihle “ranting ita many detaile. the itinerary and train won-actions. ”curing eleeping cor, ‘ateamer. and hotel reservetiono. etc. He deeirea aleo to make the best mulbie me of the time - able by the incitieion ot the molt im- portant and worth-while ottrectione end above oil. to know how much it will cost. All this in do“ tor you In the "Personnny Conducted Album-a Tours", which hue become no pow- lu with the ennui!“ public. the boat known and - popular bun; the splendid mun operated via tho mumm- Nation“ Rallwun. under the direction of Mr. Martin Km. B.A., " Bonk]: Avo.. alumna. Ont.) 3nd Mr, A. B. Brynn (M an- vonhorn Av... Tatum. Out.) of the Ken-Brno: Tours. Two no" Inch (our: no announced for July. 106-- on. from Toronto through m can dun Noe to the ptMSe, can. In- cluding Wulnwrlcht Put. In”! button] Put. the Trims). To". Vunéo’uvor and Vlctorh. B.C., '+ tumlu thou]: the lulled snu- VIA Yellow-(nu. Park, In! ut- City. “we. -Colondo um. um Punk And Chic-co. no on" from Toronto out to Hound. Qt. 16c. at. Ann. a. nun”. muc- may Nut. the lulu-o Prov- lnm Still! Joli. N.B., Moo Mun! "batik. 3m dA3r “In. mum, NE. land of Iva-(Illa. Anlnpollo Van-y. MI. Ila-3.. an anally cunt. the 'agttat at a. Do union. mum new of in: a... mu will be cult“. m about: at h the was. minor u-m-uo- my to M In. G; CquhI .muuu mum hunt ie not mum-m ttr..tamt"treqvttr-t". lam-Inuktitut” mummumuu -,tursttt--"'t' TWO OUT3TANDING TOUR. trr?, W: . M M .................L.. w ' W.-..z................ 1M” 1 I“. ' ......................... 10,119 i _ '. ,. . '0M66 can! coup-at control can: - .......LU............L...... um um. ...-............." - o. P. o. -....-......._..." "a" ' _ um: This (Inn A ’0th Government Control snowy ot “1.088. Tam m wot. tor tho ducted mombern tho sum“ of Government control in cm more adult” demon- mad. the [Axum being: To - PARISH HALL M the “an! contention and "an meeting ot St. Johtt'tt Angli- cnn Church. Kncheuor, It In de- cided to one! a parish hull on ghort Street. g No Charge For Admission. g 'ituntnitmtttmmmttttttmttttttttnmtmtmtmnimnmnmmmmnmmum "su-nun-teu-mmm-ti", Better cn. Con-truth“ Ind. Lib. ....... Films-Industrial uses of the Fordson. Demonstrating the Fordson. Film-Profitable Farming. 2.30 - 3 Talk-Power Farming; its advantages and how it pays. _ 8 - 8.80 Fihn--Solving the Problem. 8.80 - 4 Talk-The Preparation of the Seed Bed and the Conservation of Soil Mois- tare. Your Photo Free Sample Hinton on display at M Oftice Ford Motor Ctebtrrt, ita aa- -- idol-ulna Two Day Power Farming Conference to be held in REtIEN'FTHEATRE, ELMIRA, on - FEBRUARY 10th & Ath, 1927. MOTION PICTURES, DISCUSSIONS AND MECHANICAL DEMONSTRATIONS, CONDUCTED BY SPECIALISTS OF FORD MOTOR COMPANY OF CANADA, LIMITED. itntttttttmttttttttMittttaW.l But: Votes , n 488,TO , 4 15.291 t up: To every new or renewal subscription to the Chronicle for I927 we will give away absolutely FREE a certi- ficate on the Gifford Studio in Kitchener, which entitles beam to a Benutiful Silvertone Portrait. Each Sub. scriber turning in a new subscription is entitled to a free photograph as described above. " First Day 608.083 ”.984 LAW, 0mm" ”will - new" II qttor"utsrt unumnuuumln'w-qu‘ “I: m an: all may. the m I‘m-“Hugh", WE our III-nu new: III ”a a m. . T '.'tl " , m ton-or mull-non It! a but our-.- - II What um elm.“ In an "my - In.» In. W W93“? will mm in firtaarM" an work a lat a. m a. J. - In”: “7%; m may. About an” - who was. I). 15,305”: my; Is, mum-d. Martm his goo-m. mu H: man; ma... 2. ”up Ite, Among than meant "I Inve- by. I d". announce through their dealers Hall ty McKie Value 3 5.00 Complete in Easel Mount 7 x 11 inches anumtnmtauutnttnmtmutmttmiutttmttmuuimuuimttutut'mt 'a""'"',', Proved safe by millions and prpcrltied by. physicians for Colds Headache Neuritis Lumbago; Pain, Neuralgia Toothacth Rheumatism Accent oil; "Skeet' package 'tv"'"" which contains proven diriaiirir. Hum! "Barr" box.- of " was. A!" La; " tt "fye-8Pet, “PM. a m “by. an: (Manna I- can“) oe In!!! W at W .00va .,: SIM rttccot (bean “In": Add. "A. B. A"). “lb M I '0” - ttuit .\..wr.n - Bayer nun-Indus. to an!!! 00 WW HIM mm- '" m yr innu- 00.:qu mil he mum-d with - can] m In“. (It "In" M" a...“ -Au-rdt- . 'rr-oi'".-.., (ii:::'::':':;:')')::)):'::,')) ASPIRE [boas NOT AFFECT THE 11541111 Kitchener, Ont., DAVID WiAN & SONS, Limited . '1me Film--Pteparing the Seed Bed, . 4.30 - 4.40 Announcements - affecting Mechanical Course next day. Film-Reclaiming the Sums: Prairie. 35 Fordsons cultivate reclaimed lake bed near Chilliwack, B.C. Mechanical course on the operation of w Fordson Tractors, agricultural im- ments and equipment. . £01.13deth -t-tt.arm"ett"a"sr, in. - a! mu (Is! - 'II“ -. NAM M Second Day 1-.me Id) Fri'