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_*\ _ _ ‘IM United States, per year...... ... .$250 â€" i s ADVERTISING RATES ‘~._..._ On application. Advertising copy must reach the effice not later than Monday noon to insure insertion. make the highest type of citizen, _ .. ‘the province. turists, + Consideration of these various < factors Canada canvabsorb many millions of deâ€"| would go far to eliminate many of the accidents sirable settlors. Encouragement, â€" however, | which occur and would help to make Ontario a should only be givén those who are likely to| safe place for traffic with consequent benefit to The viceâ€"president of the Canadian‘ Railâ€" ways, W. D. Robb, recently made the interestâ€" ing statement that, based on the density figures in comparison with the United States, the Doâ€" mninion could accommodate a population of 126,000,000 pesple without the slightest danger of overcrowding. Uncle Sam has only 35 people to the square mile while England has a popuâ€" lation of 700 per square mile and Belgium 658. In Canada our population per square mile is only a little over two persons. From these figures he said it was to be seen that there was nothing to fear from increasing our popuâ€" lation but everything to gain. On the question of population, said Mr. Robb, rested the soluâ€" tion of grave railway problems. He urged that‘ the transportation companies be allowed to procure and settle in Canada four or five indiâ€" viduals inexperienced in agriculture to each experienced farmer or farm laborer entoering the country. At present oncfllmndmu is allowed in for every five agriculâ€" turists. + In the passing of the late W. H. Kutt, who was fatally injured in an accident épently, the town and county of Waterloo lost a citizen who took a keen interest in advancing its welfare. While a member of the town and county counâ€" cils in which he held the highest offices in the gift of the electors, he showed himself diligent in the performance of his duties, serving the community faithfully and well. He devoted much time and energy to furthering the interâ€" ests of both the town and county in which he was an esteemed resident for many years. The Mutual Life Assurance Company of Canada which enjoys the unique distinction of being Canada‘s only Mutual, not only mainâ€" tained ‘its premier position among the life insurance companies of the Dominion‘ during gh’. past year but further enhanced: its high standing as a result of the year‘s operations. The annual statement of the business of the past twelve months submitted at the 57th annual meeting on Thursday Jast disclosed a gratifyingly successful year, the results achievâ€" ed marking it as the most successful in the hisâ€" tory of the company. ' As the president, Mr. Hume Cronyn, has noted, the opinion is unanimous that the posiâ€" tion of the country has notably strengthened during the past twelve months and we are on the eve‘of a large measure of progress. With its outstanding record of achievements the Mutual Life can look forward to the Eqming months with every confidence. The remarkably strong position which the company occupies will commend it to the insuring public in ever increasing measure and it will unquestionably, during the year, share to a large extent in the gencral prosperity under its capable manageâ€" ment : which is administering its affairs so sueâ€" cessfully. A distinctive achievement during the year was the writing of the largest volume of new business in the company‘s histery, the amount exceeding $50,000,000 an increase of $4,465,â€" 77L over the previous year. That this large volume of business was secured without, an increase in the expense ratio but with a deâ€" crease from 15.23% to 15.11%% in the jratio makes the achievement all the more notable and reflects continued economy of manageâ€" ment. i Another item which contributed to the fine results secured was the increase in the general rate of interest earned‘ on investments, the amount earned the past year being 6.48%, while there was also a reduction in the ratio of lapsation. The gain in assurance in force was $31,â€" 540,437.00 bringing the assurance outstanding to the large amount of $354,069,722.00. As was emphasized at the meeting, the most important item in the statement was the matter of net earnings of the company because they constitute the final result of the year‘s business. These reached‘ the record amount of $4,141,375.70 the largest net earnings in the company‘s splendid record. It is interesting to note that of this amount $3,409,345.32 will be used to provide dividends to policyholders. . The statements presented indicated that the year just closed was the crowning one of a succession of notably successful years. | SAYS WE NEED MORE POPULATION | WAS ACTIVE IN MUNICIPAL LIFE One Year, in AOVARO®. . .«»»«»«»»+â€"+» « MUTUAL LIFE ACHIEVES NEW & HIGH RECORDS SUBSCRIPTION RATES mnmnu-fitndu-umuslu Wateride, Ontario. â€" inb ~:|of his recent visit to Toronto where he was| ./ /// tendered a banquet by over two thousand ‘a his supporters. In this connection he said: . ’t.::‘.m-n . "I would suggest to you that measures o bill w he| are more important than m&h. Men are not unâ€"| House wii *\ important, but it is unwise‘ to let our public| ‘The pro â€"]life degenerate into a battle Of personalities in | on from | Motorists are urged to make sure that steering gear, brakes and headlights are in first glass condition and properly adjusted, that they keep off railway crossings until satisfied that it is safe as a railway train travels on its own right of way and on account of weight and speed cannotâ€"stop readily while motorists can do so, the careful observance of traffic before entering a highway or passing a road.interâ€" section, the study of provincial and municipal government traffic laws and the obeying of road signs and slowing up on the curves. The Ontario Safety League in a letter to motorists gives some timely advice as to the prevention of traffic accidents which drivers of autos would do well to take to heart, The obâ€" servance of the advice given would operate to reduce accident to a minimum. An oldâ€"age pensions measure would serve a worthy purpose in relieving distress among the aged who have, in man cases, contribtlited to a considerable degree to the general prosperity of the country, The proposal is a meritorious one deserving of the favorable consideration of both houses of parliament. â€" Coâ€"operation on thé part of provincial govâ€" ernments would make the matter feasible from ghe point of administration, stated, the Minister of Labor, adding that if\the â€"Féderal government set up the machinery to adminijster the bill, the cost of administration would almost equal the expenditures in pensions. ithout placing a heavy burden on existing machinery, he believed Mothers‘ allowance boards and workmen‘s compensation boards could be used to administer the measure. In the heat of a political battle things are said and done for the sake of party advantage which are regrettable, but after the attle is over and men are elected to positions of honor and responsibility and become representatives. of the country as a whole, a continuance ofl these attacks serves no good purpose, in fact it has a tendency to injure the country. There is undoubtedly room, as the Premier has deâ€" clared, for kindlier treatment of public oppon" ents rather than persistence in an attitude de-l structively critical. â€" â€" _ On the occasion of his visit to Toronto last week, Hon. Peter Heenan, Federal Minister of Labor, announced that the only important bill which he would present to the House of Comâ€" mons during the coming session would be an oldâ€"age pension measure. In doing so, he stated, he was depending on "the common sense of the Senate" to give effect to the legislation. "Of course old age pensions will only beâ€" come a fact when Provinces are willing to coâ€" operate. The bill provides for a pension of $20 a month to needy Canadians who are over 70 years of age. Pensions for needy citizens who served the country is of importance in rural Canada as well as industrial Canada. In view of this, I would consider that the Senate would flout the will of the people should it refuse to give its approval to the measure," observed Heenan. . In response@fi@ critics within the provinces who hold that the Federal government should bear the entire cost, Mr. Heenan point'qd out that in various ways the provinces were already accepting the obligation of taking care of needy citizens. He stated that the provincial governâ€" ments were contributing to the cost of the maintenance of needy citizens in poor houses, hospitals and other institutions, and that in some places the aged poor were maintained at the expense of the Provincial government and municipalities in hospitals. . The Premier was~at a loss to spegify the cause of this practice, which he said, was a new style of political warfare. "I feel that it is unâ€" kind, ungenerous treatment of public opponâ€" ents," he continued. "I think that if it is permitted to develop, in the course of time, as Mr. Lapointe remarked, if the younger generaâ€" tion comes to think of it as the way political discussion is carried on, how much lower will be the attitude of their sons and grandsons teward it?" â€" ; S ing Discussing the subject, he said that the Federal Government is willing to bear fifty per cent. of the expenditure on old age pensions if tÂ¥e provinces are prepared to accept the other half of the outlay. mm@umm_ww&-mw of individuals. ‘Men in publit‘life are not all perfection, but, after all, they may be said to be sincerely doing their best." . | PREVENTION OF TRAFFIG ACCIDENTS | OLD AGE PENSIONS "However, the uncertainty of the situation will~make producers and importers alike cautious about makâ€" Ing contracts for next sammer‘s supâ€" ply. The Canadian dairymen may find it more profitable to ship their milk and dream in the shape of cheese and butter to the British market. If the Canadian supply is out off there will ba real suffering Among consumere of New York and Boston. ‘The healith suthorities of _ Cornélins A. Parker, attorney for the Boston Cream Dealers‘ Associaâ€" ‘tion, asked about the probable effect upon future imports of milk and cream from Canada, said: "It will altogether depend upon the regulaâ€" tions which are to be made by the Sescretary of Agriculture. No doubt he will hear representatived from Canadian _ exporters and United States importers before " framing them. He can easily maké regulaâ€" tions and so administer them, as to create an embargo. But I don‘t think he will act in an arbitrary manner. U, $. MILK ENACTMENT ' AFFECTING DOMINION, 18 PASSED BY SENATE The Lenroot milk and cream bill| passed the Senate on Feb. 4th by a vote of 51 to 27. The division was | mainly â€" on pnr’y lines, _ Senator Couzens of Michigan being the only Republican to vote against the bill. The House will, no doubt, concur in | the Senate amendments, and the bill ’ will became a law when~signed by the President, coming into oflectl ninety days thereafter. Mrs. Robert Alexander was at work in the kitchen of her bush country home, when a big timber wolf forced its way through the doot/The woman screame@ for help and defended herself as best she could. Alexander, her husband,~who was near at hand, tore the brute off his prostrate wife, but missed a death shot as the animal scurried for cover. Mrs. Lottie Paige, from a neighboring home, saw the retreat of the animal, grabbed up her rifle, and stopped it in its tracks with a wellâ€"directed bullet. Sevaral persons vouch for the auâ€" thenticity of the story, and incidenâ€" tally report that Mrs. Alexander, save for a few scratches, was quite unburt. â€" CAPITAL PUNISHMENT is oPPosED 6y Forp The agitation for capital punishâ€" ment in Michigan and several bills for which are now before State Legislature, has no place in the mind of Henry Ford, the world‘s richest man. In fact Mr. Ford goes so far as to place himself om record as unalterably opposed to the principle of "a life for a life." "The bill," he explained, "is carryâ€" ing out the announced policy of the Government to give a further exempâ€" tion on income.‘It provides for the increase of exemptions for houseâ€" holders from $2,000 to â€"$3,000; to rouâ€"househoiders from â€" $1,000 to $1,500, and also provides a further exemption in the income from inâ€" vestments, raising it from $800 to $1,000, where the income of the perâ€" soms, from all sources, does not exâ€" ceedâ€" $2,000.. It also provides for a further exemption for a widow or other person over 60 years of age. In the old aet the exemption was up to $2,000, but that only applies where the person‘s income was $2,000 or tess. The exemption now remains at $2,000, but it applies where the income runs up to $3,000,. These are the four main changes, and the date of EGing into force will be January 1. 1927." From Brevort Townshipâ€"sixty in from the American Sooâ€"where, ‘tis said, the wolves are gnashing their gleaming teeth in insatiable bunger this yearâ€"there has filtered a regular movie thriller of backâ€" woods life. the" report that the Government conâ€" House two weeks. _ ‘The proposed increases in examp tion from the municipal income tax will be. effective from January 4, 1927. One of: 20 Government bills Then the twiceâ€"over blluonglre‘ succeeding added: "It is wrong to kill a Mlfl'â€"’ the 1926 I1 everybody agrees to thatâ€"it does no Exposition a good to the man and it does no good ; in Chicago to society. Capital punishment iras} broken by fundamentally wrong as a cure foriPeace River crime as charity. is wrong as a cure| grand cham for poverty." Nana asts In Mr. Ford‘s opinion, the way to curb killings is to "get at the foot of the problem," which, he says, takes us to the door of the financiers who are chargeable for the thousands of idle men, and "who are,.at the same time, delfberately trying to harden the hearts of ‘the people in their attitude toward human life." that : of Col. P Assessment Act. THRILLING TALE OF FIGHT WITH WOLF the | Twentyâ€"four head of registered ‘ { Shorthorns were sold under tke ausâ€" i pices of the Victoria Shorthorn Assoâ€" | clation of Lindsay district last week ‘for a grand total of $2,037, or an | | average of a little over $84. It was| | quite evident that the buyers want-! !ed nothing but the best stock, and j ‘several stockmen came a long wny' to buy. Wee Charm, a bull contriâ€"| buted by J. E. Stroud of Camel\‘m." brought the highest â€"price, $#70. E. | S. Beer of Bethany was the buyer. Marchioness Prince, contributed by George H. Mark & Son, Little Britâ€"| ain, was sold for $100. Proud Sort, | owned by Cullis & Lene, Cameron.l sold to John Miller, Ashburn, fori $110. Bonnie Boy, owned by Fredé Stacey, Cresswell, sold to John Ross, i Woodville, (gr $150. _ Morton Bros.i of Bethany bought Beauty Boy,_the; property of Robert Hewie, Cameron, | for $145. The stock was better than | last year, but prices on the whole‘ were not quite so goog. ;agywuuâ€";u.mo on Jan. 28. They remained bound all night, and in the morning they were taken into the city. Since then there has been no news of them. Mr. and "Mrs. Harry J. Ewing, rancher of Pachecs, 15 miles east of San Francisco, loye children. They raised a fantily of five, who all marâ€" ried and moved away. ‘ Then they adopted five, who also married. Now they Have adopted, five more, seven to sixteen years old. The latest five adopted are: John, Olga, Emil, David and Matilda Seidler. tw U + CANADA LOBES 49,335 During the last six months of 1926 a\total of 49,335 persons emigrated from Canada to the United States, according to the report of Immigraâ€" tion Commissioner Hull, made pubâ€" The outflow of aliens from. the United States during the month ot December ~was &unounced as numâ€" bering 26,356, the largest departure of foreigners from the country in a single. monthâ€"since July, 1925. 3 The commissioner estimated total immigration . for the‘ halfâ€"year endâ€" ing xn. 1 last as 175,955, and emiâ€" gration of aliems as 42,779, leaving a net population gain of 133,176. Much has been written in the press and heard of the number of Canadians crossing. the United States border and making good in that country. Too little, perhaps, has been said pT those born in the United Stgtes coming to Canada and succeeding to an unusual degree. At the 1926 International Live Stock Exposition and Hay and Grain Show in Chicago, all precedents were broken by a farmer of Wembley, Peace River, Alberta, who won the grand championships in both wheat and oats. The farmer winning this great triumph for Canadian ‘grain came to Wembley in 1920, knowing practically nothingâ€" about farming. Hermpan Trelle is his name. He was born in Kendrich, Idaho, thirtyâ€"one years ago, today a breaker of reâ€" cords in grain and wheatâ€"raising and winner of ‘ grand â€" championships against all contestants, What‘s the matter, Canadians? Do far pastures look greenest? . RAIBE FIVE CHILDREN THEN ADOPT TEN MORE LOWER PRICES RULE SUCCESS IN CANADA Samiple Photos on display at this Office © Your Photo Free || & ~mob TO UNITED STATES THAN AT 1926 SALE To every new or renewal subscription to the Chronicle for 1927 we will give away absolutely FREE a certiâ€" ficate on the Gifford Studio in Kitchener, which entitles bearer , to a Beautiful Silvertone Portrait. Each Subâ€" scriber turning in a new subscription is entitled to a free photograph as described above. Complete in Easel Mount 7 x 11 inches MAN IN BUGGY BRUISED WHEN TRAIN KILLS HORSE Jame& Knox, North Oshawa, had a thrilling escape from death early Feb. 4th when a C.N.R. westbound passenger train struck and instantâ€" ly killed the horse hitched to a bugâ€" zy inâ€"which he was riding. The bugâ€" zy was completely wrecked, and Mr. Knox was thrown a distance of 25 feet. He escaped with only a few minor bruises. 7 â€" CONTRACTS ARE AWARDED FOR 30 TOBACCO BARNS Contracts for the erection of 30 tobacco barns in Chatham district have been awarded to the O‘Brien Lumber Companyâ€"of that city by the recently org@nized Kent Tobacco Lantern Giobe, No. 1 quality 3 for 25¢ New Cinghams and â€"Rayon Dress Goods Material. Come and look them over, a lot of nice patterns to select from. Rayon Silks, nice grey designs 50c yd. Canadian Prints, all colors, â€" 28¢yd. Crum‘s Print in black,_ grey and lighter colors. [ St. }hcobs g"4s." Value $5.00 "BAN K»TORONTO Trapps‘ General _ Store ?q must vln_tlpl eol_lfia!enc.o by The man who wins the tonfidence of a good bank has measurably shortened ‘his journey to success. DAVID BEAN & SONS, Limited And, by the same token, the bank must win the confidence of its The Bank of Toronto has enjoyed steady progress by reposing its confidence in thousands of custo« mers, while seeking, at the same time, to deserve a full measure of confidence from those with whoin it is associated in business. customers. WHILE THEY LAST Kitchener .............G. 5. MCARY, Kitchener North Ward ..J. R. Clark, »42 NATERLOO ... Publishers Waterloo Chronicle 1 Ontatlo Street _‘ WATERLOO, Ont 4 Now in Stock w se 0 BRANCHES |Plahl.aflom. The buildings will be erected on the firm‘s . property, ‘ which comprises 1,000 gcres. It will ‘require more than a trainload of lumber, which will be brought from Northern Ontario and British Colâ€" ‘ umbia, to. fill the contracts. Conâ€" ‘stmcuon will start as soon as the weather permits. , 4 ; â€" IN SASKATCHEWAN At a cost of $400,000 approximateâ€" ly 450 miles of new roads were graded in Saskatchewan last year. These roads are scattered over a wide area and are built in localities where they were most needed by settlers. Every mile has been built to specification, IMPROVING ROADS 8. J. Adams, Managet G. B. McKay, * P Aalg 5) 32 ue t C y Ontario °s