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". "-.Lv-rsretrrr-a-s. m mvmmmu‘tu an”)... mung-uncouth. “mmm-Mymummlm The outstanding position of the Waterloo) Mutual Fire Insurance Company, which held its annual meeting on Saturday, is again con- vincingly reflected in the eminently satisfac- tory reports presented to the yearly gathering of its policyholders. The result of the Opera. tions of the last twelve months during which substantial increases were recorded in the amount of insurance written and net premium income and a substantial addition made to its assets, still further enhanced the high standing of the Company which enjoys a pre-eminent place among the Mutual Fire Insurance Com- panies of the Dominion. The Waterloo Mutual now has net amount of insurance in force of "75,771,5'?.9, which re- presents an increase of $1,221,331 over the pre- vious year, while its total incdme has advanced to $604,249.46. The year's expendityres amounted to $501,649.90, leaving a handsome surplus. .The losses which totalled $188,747 ex- eeeded those of last year by $21,475, but con- tinued normal, enabling the company to show a good underwriting profit which together with the income from its invested assets made up the very satisfactory profit shown on the year's operations, The strength of the Company's financial position is unmistakably evident in the fact that its cash assets, including accrued interest, now amount to ,,91ji07,064.16,' while the total asset.tis.jt"1udiE': residue of premium notes, are nearing the $2,000,000 mark, being now $1,816,083.76. The balance of cash assets over all liabilities is t1,286,Ti'1.'26, an increase of $101,849.14 over last year. V Fitting references were made at the meeting to the loss by death, during the year of two of the Company's pioneer directors who had contributed. in a large degree, to its development. These directors wefe the late Allan Bowman, a former president of the Com- pany, and the late P. E. Shantz, also for many years closely ideniiiied with the Waterloo Mutual, both of whom were highly regarded and prominent residcnts of the county. Etesident Shuh. Manager Foster and all those associated with the conduct of thesCompany, are to be highly complimented on the very satis- factory outcome of the year's operations. The year's reports, evidencing as they do the uninterrupted progréss of this long and solidly estalJIished fire Psuranee company, will be a source of gratification to its ever growing circle of policyholders: who eannot1ut view with deep satisfaction-the gratifying nature of the statements presented at the annual meeting. The company closed the year with met: of $178,000 as comptred with $74,000 in the mono you while the investments Inert-sod from “2,000 In 1027 to $168,000 in ms. ", Another noteworthy feature of the year’s reports is the fact that the claims for the two years of operation have been $20.00 less per $100 of premium income than the average of all companies doing a similar business m Carr. ada, which was characterized as a distinct ac- complishment. revealing the soundness of the underwriting policy of the company. The loss ratio and the reserve for outstanding claims was only 33.4 per cent. of the premiums, the actual losses paid being less than 26 per cent. of the premiums. The statements submitted at the second annual meeting of The Pilot Automobile and Accident Insurance Company, on Monday, clearly indicated thaUthe predictions made re- garding the outlook for increased business at the initial meeting of the company. had been amply fulfilled, vefleelins. progress of a most encouraging» character. The ability of this, the yqungest of Wat- erloo's insurance companies, to acquire business . t was demonstrated in the year's reports which showed that the company had actually written more than six times the business written dur- ing the year 1927. The " mm income for the year 1928 was $1722 .16 as 90mpared with $25,614.68 in 1927. This ated the efforts of a greatly enlarged agency force which was increased by over one hundred per cent. during the year. _ On the other hand it is interesting to note that the acquisition or operating costs were only 2.78 per cent. higher than the average of all other Canadian companies while administra- tion costs showed a favorable margin ttttder the average of all the companies. The expendi- tures were very moderate for so young a com- pany. _ THE WATERIDO MUTUAL FIRE I ENJOYS ANOTHER NOTABLE YEAR I o- nn. In advan- -.................................. In Unit“ - - you ............................. THE PILOT INSURANCE COMPANY 1 MAKES MARKED PROGRESS , ”WIND“ MT. a irGriaii 'T‘vrv": __' . fathmlmtmlnnnbthnd ,adr-tsiveratie-tidoest*e- aesi.ve-aiaikai its sum-haunt two you! . .____ aeoemsatitutinqatteuht usury for in steady "Itt,'ffgdtt I‘ullclnllm,h mu 'iiteh- growth and aiNaneemeat in the future. BOON 'hyd. '2',Nth “mm hum “It . _.---.-------------------- . Grinds. l'brh I“. The Directors and Management of The Merchants Casualty Insurance Company had most encouraging reports to present to the an- nual meeting of its shareholders on Monday, and the sentiments expressed in the comments made on the year's statements voiced the satisr faction of those present with the result of the /yerati.ons for the past twelve months which showed a good underwriting profit. V Two classes of business are written by The Merchants Casualty Insurance Company, Aeei- dent and Sickness, and Automobile. Up until last year the company wrote a non-tariff busi- ness hut early in 1928 it joined the Automobile Underwriters' Association. As a result of the more remunerative rates received the previous losses on this class of business were turned into gains, enabling the company to present a favor- able statement for the year. From the remarks made at the meeting with reference to the auto- ‘mobile business, higher rates were justified. ‘All companies handling this class of business, it was pointed out, appear to have suffered during the past few years, the rates not having been sufficient to make the business a profitable one. _ I ‘HEBCIIAN’IS CASUALTY MANY l l ENJOYS ENCOURAGING YEAR I It is encouraging to observe that there has been a marked lessening of the number of Flu cases although there are still quite a,number still ill. Fortunately. however, the disedbe has not been so sew-re as in the epidemic of 1918 and most of the cases have been of a mild type. The neglect of the individual case. however. has resulted in pneumonia and death, while simple precautions will both prevent the spread .of the disease and the development of severe complications! the consequences of whieh m often so unfortunate. The management was complimented on the results achieved during the year and strong confidence was expressed in the bright outlook of the company. It was felt that it was now entering on a new era of progress and under the guidance of the capable manager, R. E. Patterson. and a strong Board of Directors, headed by the Jvell known insurance and busi- ncskinan, E. F. Seagram, the company has every prospect. of experiencing increasingly favorable results. _ An announcement was recently made by Hon. Dr. J. H. King. Minister of National Health and Pensftns." to the effect that the Dominion Government is considering a govern- ment subsidy for the establishment of County Health Units which indicates that an import- ant step in the advancement of the public health in Canada is likely to be taken in the near future. It is noted by the Canadian Social Hygiene Council that the great importance of the full- time trained health officer has been fully re- cognized in the urban areas for a number of years. and the results arising from providing adequate health machinery has, it is empha- sized, been striking. Infantile and general mor- tality rates have dropped and in many areas so served some diseases such as typhoid fever, have disappeared altogether. . It is pointed out, however, that rural areas and smaller municipal areas have been neg- lected and they have had had to content them- selves with part time medical health officers and either no additional staff or staffs which are quite inadequate. ' _ Under the plan being considered the finan- cial eo-operation 'of the Dominion Goverment with the provinces and the municipalities will make it possible to establish health areas, or- ganiied either on a county basis or on the basis of a combination of counties. Each area would be served by a full-time trained health officer with an adequate number of nurses, a sanitary inspector and a clerk. hr' to combat the diocese. has materially minted in coping with the situation. It in. howaver, stressed thnt the - given doean't mean“ much unlea- w.- In stressing the importance of the contem- plated step the Hygiene Council notes that it is the considered opinion of all Canadian health authorities that if the County Health Unit plan can be established on a Dominion-wide scale in Canada the diminution in illness rates and the tall in death rates will be immediate and strik- mg. The issuing of statements by health suthorities containing advice as to how its cpl-ad my be checked and 1n1trueuont as to The plan has much to commend it since it will provide more adequate health service in the rural communities. 3-in-1..." sTiiiGtGiliGU" in ax- COUNTY HEALTH UNITS FLU ON THE WANE I The President touched on tho lgmal put that the “mammalian lea-patties were playing in the coloni- lmtiun. and development of Canada. [and his message was received with .great interest by the memhers, 5among whom were scores of (he Immt prominent Kitchener business lmdts. i'l’hose " Head Table. smut“ the and in the Dominion warm: as any datum. emu-I as manna In». non-piston“! coun- tries, an' at the also “In. encour- aging more British Immigration. \Edvgrd W. Benny. KO, Montreal. ‘Pmldont ot the Canadian Ncttie 1PPttt Company. on Friday even- let addreued the menus ot the Kitchener Board ot Trade at its an~ [anal banquet, . BAILWAYS PLAY FULL PM Among those at the head table were Hon. William I). Euler. Minister of National Revenue: C M. Bowman. former My?" Kitchener. and w. G. Weictel. MP?" Waterloo. The speaker was intrdueeU by Mayor Clement and Mr. Bowman, the latter emphasizing the great part played by the transportation companies in the development ot Canada, and the romantic history of [he Cattadiatt Paeitic Railway Company. R. D. I'qughner. Immediate Past President of the board. and L.. J. Bmrithaupt. a fornwr president. spoke briefly in moving and smunuliug a vote of thanks to the s-peukem. W. W. llrrlt hunpl. President of the board. pun aided. There wx-rv also present ol'fia-ials "f the Grand ltivvr Railway, and lo- cal ulticiuls oCthe two companies. Proportions of Miérants. The President's party consisted of J J. Scullyv Montreal. (leneml Mun- age-r. H. C. Grottt. District Superin- tendenl. Ontario district. Toronto, and M. M. Brown. District Fruium Agent. Toroptor The party luxvr left tor Montreal. “The quesliuu [ms twvetttly arisen." said Mr. Really. "as' m \vlleklxer the number coming {mm (“antral Europe is disproportionately large in Pom- parison with, Ihosu cumin: from Great Britain. This is predominant- ty a British Dominion and or our somewhat less than ten million "isotru- lation almost eight million ,aru of British and French-Canadian origin. We have not, theretote. rearhed the stage at which it may be said that in national characteristics, standards of living. lmblls of thuught. or ideals. 'llls country is nut "sseittially Cana- dian or British." Mr. Beatty said that it was not the desire of the railways an em-uumge sueh immigration as would ieolrard- ize the dmriJaure of these Canadian 'habits or life and thought. nnr did he think there was any such danger. " [he need of a steadily increasing population were admitted . and the outlook for many years of increased prosperity were unneeded for Can. ada. was it not ilIogituat,, he asked. to say that "because we were not obtaining from Great Britain as many settlers as We should like. we should reduce the proportions from other l'nuntries. and therernre TP- tard the stream of physically tit and otherwise arceptalure Continentals. Would it not be wiser to supplement our emirts in Great Britain, at the same time,not unduly discouraging the sntmnw of healthy young enlon- ists from other countries. importance of Problem. in the minds 0t thinking Canadians. In a (wintry equal in area to the whole United States there were about in: many inhabitants as in the two vines of Nu w York and Chicago. The inundation or United States prosperity over a period ot years was due to increases in its popula- titut. All citizens, of Canada were both proOvers and runsumurs. The Imrcpsitivs of lin. meant purchases. and purchases meant trade. All ex- "The seed drill survey made last spring. when samples of seeds were taken from the drills all over Ontario, produced some remark- able fhrures which do not make good relding for a province like Ontario where we are sup- posed to be such good farmers. When the fhrures are finally made public we shdl prob- ably be so ashamed of ourselves that we dull attempt to do better." "Our weed control laws and weed control policies' in Eastern Canada are ‘inadequate to cope with the situation. Bad Weeds are spread- ing at an alarming rate, and community effort has not yet been created in sufficient force to exert a controlling influence; Farmers here and there in districts badly infested are keeping their farms clean and selling certified seed; they are demonstrating year after year that with proper rotations and cultural methods weeds can he controlled, but the methods of these master farmers are not being copied, and every- where there is alarm and a certain measure of discouragement. It is obvious that vigilant and continued effort to necessary ff farms in to he kept WI, free from Weeds. Fun-mm who take the modal precautions will be the om» who " "up the but malts. in, Benny said that the matter of immigration was looming very large Emphasizing that the best ‘work in weed control that can he dond between now and seeding is to get the millions of weed seed out of the seed that will be sown on the land in the spring, The Farmer's Advocate makes the fol.. lowing pertinent comment on the subject: "SAYS“.mmLc SEEDS AND WEEDS m BUILDING or MAN POWER 1 “You will probably admit that [many of these are desirable settlers. will, be readily assimilated into the life or this country and in time will !make a marked contribution to Canadian proaparlty. Notwithstand- ing this fact. we have recently re: wired an intimation from the de- partment that not more than one third or the people brought in from those cpgpnrrjes will be admitted dur- ing 1929. " we admit the need of a steadily, increasing population ln this ‘u-ountry. if we concede that Canada is a Prosperous country. and appar- ently has before it many years of 'inmeased prosperity, does it not fox-cur to you that it is rather an :illogiml step to say that because we 'are not obtaining from Great Britain '51; many settlers as we would like {we shall reduce the proportions trom other countries and therefore retard ithe stream or physically "it and otherwise acceptable Continentals. ‘Total May Dinappolnt. null-s Can-du- -rht tor (kna- diu: product; In. stood”! to he 0:- oodtlnd by Wily Mouths popu- lotion. "I hue an that the runny- hnve been the may.) 0010:1qu “out: ot this country." Add Mr. Batty. "Ind that b tm. But the runways and steamship coup-mu. engage In tho transport ot m and their elects. and sometime. a suspicion k atoll-d that their inter- est in the tumult-to one ot tune to be tsqeurqd, and not the ultimate ‘md more important one ot colonia- tion and settlement. This View its not warranted. May Tutu Mama! View. “Immigration is primarily the' inaction of the Federal authorities. though naturally the Provincial Governments are concerned with the question of population. The depart- ment is a department of the Civil Service. and its apt to take a re stricted View and to be somewhat rigid in the construction and appli- cation of the law and departmental regulations. This is a perfectly tttV tural situation. We have therefore two active instruments in the carry- lug out of immigration policies who may conceivably be actuated by different ideas and equally honest in their point of view. It was tor ‘this reason that I suggested to the Parliamentary committee at the last session of Parliament that a man of ability. vision and executive training ‘be appointed with enlarged powers as the head of the department under the Minister; that he should be paid tan adequate salary, even a large sal- "ary, and should be charged with the ‘duty of generously administering our immigration laws in close coopera- tion with the Provinuial Govern- ments and the agencies of trans- portation That suggestion apparent- ly was not favorably considered. ‘United States to Be Source. "Unless air; are very much mis- taken in our estimates tor this year‘s immigration. it will be disappointing. and whenever it reaches num‘bms whim are not sufficient it requires greater ettort to stimulate it in sulr sequent years." "t am one of those who believe that within the next ten years the principal source of our immigration will he the United States of America. "Po? the eleven months ending 30th Nuvember last, 181.261 people ontored Canada as colonists. or this number. 43.000 came from what are known as 'nott-preterred countries' Good Citizens, He a”. CANADIAN CLUB MEMBERS INVITED ro TOUR EUROPE Secretary Allen Eby of the Water- loo County Canadian Club is in re- ceipt or an invitation to members to join ~climilar dubs on a tour ot Enmpe. The trip will be made June 8. vat:tRil'ly',i'i' l The serum is produced from the blood of (those who have successfully fought attacks of Pt disease, nature producing in such cases anti-bodies or protective organisms which help Ithe sufferer to resist and conquer the disease and they are a most valuable ally in fighting the disease. They are isolated and serum pre- pared from, them which does the work of com- batting the disease, the work for which Nature produced them/n the ftrtrt place. This latest discovery which is proving of much service in certain types of the disease admin indium the value of research work and my communities win be desirous of mailing themselves of the new serum in oombetting pneumonia which so frequently results fatally. The Department of Health in New York| City, it is reported, has succeeded in develop- ing a new anti-body serum which has been very| successfully used in the treatment of the dis-i ease. The use of the serum has been followed with very satisfactory results although thel treatment is limited by the small amount of the) serum that is available. The cure, however. applies to only certain types of the disease, others still resisting its power. The recent discovery of a new serum for pneumonia, which annually takes a heavy toil of human lives, reflects 'tttl' advance in the department of medical owledge and will bring new hope to those who may fall victims to this dread disease. f NEW SERUM FOR PNEUMONIA Notice is hereby given that the ninth Annual Central Heating otTHE ONTARIO EQUITABLE LIFE AND ACCIDENT INSURANCE COMPANY will he held at the Head oftitte of thet Company. Waterloo, Ontario, on Monday, February 4th, A 929 at half-past one o'eloek in the afternoon to mceive and consider the annual statement of accounts and balance sheet, and the reports of the Directors and Auditors thereon: to elect Directors and other officers; and to tranuct such other business of the Company as may properly corn. helore the meeting'. . Dated this sixteenth day of January, 1929. M. J. SMITH, Secretary. THE NORTH WATERLOO FARMERS" MUTUAL FIRE INSURANCE COMPANY Mutual Fire Insurance Company will be mm on at one o'clock pan. in the Free Library Hall, Waterloo, tor the purpose ot receiving the C'ompany's annual report and the election otJour directors. " NEW "DUNDEE FARMER’S CO-OPERATIVE CREAMERY CO. LTD. Take notice that the Annual Meeting of the Shareholders " the NEW DUNDEE FARMERS 00.0PERATIVE CO. Limited, will be held in Ka'veiman's Hall, New Dundee, on _ The butiness of the meeting is to receive the usual reports of the Comparty's otmters, to consider such other busineu of a special or heneral nature as may be brought before the meeting and whirrtt,the shareholders may be empowered to deal with. Dated at New Dundee, Ont. Jan. 26th, 1929. I A. TATE Prrre-ttV- Tihnhzm " 'ttri-ie..-,'-.-..-.---- --_.-.- -fiiiir4,' 7ariiiriisFurnauiW." W-"-'- _ ' 'f' mastca-Mudmdm _ _ l mm. TtoCi-'A"-hiserteiekd-6etttus_tii6iArus f Th-l-i-bi-ite-io-dt-UAA-re l,' nan-(82.60cukinpwitddntgmd-flflun "t _ add-:MCh-“MMMMthI-Iua " d|.95%udnmpiu. . DozquION Szcum'rna-s CKMlr'ORAa1RaN mm WIN 'xo-tFD-spur 3m. I'llunibihh &'vidriibastd I... Amps! 8769.527, Eating for lb I. i we lulu-um” ”some Hon an " a“ add-cm.” or math mint d. divihnd chm " h tun-dinIM. lu Wanna! tly staph My. CE». Limiad laden. EM NOTICE OF ANNUAL MEETING The Ontario Equitable Life and Accident insurance Company The 55th Annual Meeting ot The North Waterloo Farmers' By order ot the Board A beetiat speaker will address the meeting. 'GG/t _ G%Gir. LG." -Ei,o' uuiur, Ai-ji/fiat' iiaahali - 'f' -e d Thrall-ally} mph!“ at ”do will abated!!- TUESDAY. FEBRUARY 12th. 1929 shareholders and Patrons Cordiatly "wind. Friday February 8th, 1929 Dani” gireue bmisahU on "and. WIQI LEW-um “an W70.“ Kin-sic... 'imomumoottmatmtatmomommmiaiit at 2 o'clock p.m. IIIIIKIIIIIIIIIII tBlM1mitatriWtmutMttl JOSEPH H. WOODS, Is a Great Preventative. being one of the oldest romadlm used. Mlnad'n Mailman has relieved manual. of can! of Grimm. 'llmnchnln. Son Throat, Autumn and slum-r diam-OI. P, In an Kimmy m Gems. “MIC“. M Mum N" am on" in]. M Mlo hr all drttieta and onteeul I den-bra. F Min-'4’: Llama" 6.. Lu. Yum I... __ MINARDS LINIMENT FLU M. B. SNYDER, Secretary. Claims Mnny'Wrtlmn in Canal- and shank: ho Knurled min“. All policyhnhhirs. -rdle" of the amount manna. aroUt_ “Had to vote will ho hrkl at the Cnmv-ny'n Head Offlmn Waterloo, Ontario, on . Thursday, February 7th, I.” at the hour of one o'dock o.m.. to rt-(‘eh'e the report ot the Directors for the past y”. to elect Directors in the oHeo of those rvlirlnlz. and to twine! such other business I may properly bn brought We the meeting. W. H. Somnlllo. GertorVMaitnger, WateNoo, Dacem‘ber Nth, P". 1-5. NOTICE is hereby given-(Int th Fiftynimh Mutual Meeting of tlux Policyholders of The MUTUAL LIFE Annual Meeting AS§URANCE COMPANY OF CANADA Manager. iKhtWW-