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# and you wonder why. Well, _( _ [ tuit wosidering is romething. o °4n though it will not heip much. Dobbin‘s| always have causes." Furthâ€" or still the causes must be ressoved. THEN you are on a way to a pleasant surprise. Supplying better vision for A Kitchener man, Clayton Weber, at London police court, was found guilty of the theft of 17 purses from a department «tore cloakroom on Chrismas eve. He will epend one year in the Ontario Reformatory. (Continued next Thursday) Sedans *30 Ford ’30 Oldsmobile *2G Oldsmobile 97 Oldsmobile *9Q Dodge ‘*20 Oldsmobile ‘*28 Essex *27 Oldsmobile "28 Pontiac ‘*27 Pontiac \g#*"*_" Are Good Cars THE SAFEST PLACE TO BUY A USED CAR Coupes 93] Chevrolet *230 Oldsmobile ’30 Baby Austin *28 Dodge ‘30 Pontiac Sport DOBBIN‘S You Don‘t See Well ’29 Ford Sp‘t Roadster ’27 Pontiac Sp. R‘dster remewed where possible. Corner King and Water Sts. SENT TO REFORMATORY Coaches o aana oo 'Whr-mwmuâ€"&qwd ITCHENER, onT. | uu..r'_sâ€"x. w. l%:n‘-;uu President, a-.-an"' seefeiacagecol<s M &n‘lâ€"l"l * ® * Cash on hanwd and in banks, Dec. 31st, BBL ..l.lliennsemcmmemnemnrcncnnermennetmend First, second and third instaiments due "Cash Payments" due 1032.......... Instaiments due prior years........ n en et Reinsurance on loss c! Primun®. stetonen pad ad (b) MISCELLANEOUS PAYMENTS: Paid for fire losses which occurred prior _ Paid Tor Reinsurence ol ccclclonlo.. * > Fit nape mont Servies in .. Toy batemes sorh on he N. M. SHKANTZ, Total Receipts (a) EXPEMSES OF MANAGEMENT: Total Expenses of Management........$ 18,788.42 Fiftyâ€"Ninth Annual Report of the North Waterloo Farmers‘ Mutual Fire Insurance Company CASH EXPENDITURE CASH RECEIPTS Kitchener everevessssenesssscarcseresnsessereccooffWOyPNIDE hand in bamke, He"Rikun‘==be sernes of claims Th vig> $ Aprny uy Shg nc o ons tas.hoY Te the pravaling mho(nlblbutfl' charâ€" ma&w%{ the _ Equitable Life + which there was a representative ‘ Stron‘obtjl;cfion'-mtom action of government in inâ€" creased assessment on fire insurance ! business which in 1933 will cost this company $2,000. Reference was also made to the action of :fig‘roup of farm mutual companies offering a reward of $1000 to any person who apprehends anyone setting fire ‘ to hm‘ NB â€" . The fire logses for the y',r were $80,513.85 as compared $106,â€" 461 for the previous year. President M. M. Shantz, managing director J. H. Woods and others again stressed the necessity of exercising every precaution in order to bring the losses sustained from year to ;u back to normaley. Policyâ€" lders, if they hfln to have preâ€" mium rates reduced, must exercise every care in the handling of matches, lanterns and gasoline. director J. H. Woods and others. The four directors whose terms of office expired were reâ€"elected as follows: James Burnett, John W. Hartleib, Fred YÂ¥ungblut and Lineoin Hagey. Auditors reâ€"elected were Isaac Hilborn and P. A. Snider. _ At a meeting of the Board of Directors _ followin the annual meeting, J. W. H:nielb was elected president, S. E. Shantsz, viceâ€"presiâ€" dent, and J. H. Woods, managing director. | The extreme depression that is casting a shadow of despair over nearly every one is one of the | causes for the unusual losses of this |last few years. Mutual Fire Insurâ€" ‘ance Companies are surely hoping ithat a change for the better is not far distant, for it will need to be \in sight if the fermer is expected |\ to carry on much longer. _ w To the Policyholders of the North Waterloo Farmers‘ Mutual Fire Insurance Co Gentlemen :â€" Your Directors again take pleasâ€" ure in presenting to you this their fiftyâ€"ninth annual report for the year ending Dec. 31st, 1932, showâ€" ing an average amount of losses, and alt.houfi: fully _ twentyâ€"five thousand dollars less than the year 1931, they are still above the normal times. im e e o eoee esc | We directors are lowering the amounts of insurance carried on «buildings at from 20% to 25%, as llabor has fallen mearly 50% and | material 25% in the last two years. Also under the new policy a person rar, the North Waterloo Farmers‘ utual Fire Insurance hP at /aterioo was able to present stateâ€" can only collect twoâ€"thirds of his loss on buildings which makes it Iook foolish to pay a premium when a much smaller one would do as well. The total number of policies issued for the year was 2,828, an increase of 222 over the previous yv(e)arcsvith a total now in force of 10,169. w.wo..... @11 1,000:37 _ The total amount of insurance written for the year was $11,188,â€" 380.00, an increase of $398,606.00. Addresses were delivered by The total amount now in force is $42,296,356.00,with $1,232,750.00 reinsured, leaving the net amount in force at the end of the year at $41,063,606.00. . _ _ _ _ “"I"l‘x’; total assets of the Company are $137,131.08, with total reâ€" sources $1,0638,260.75.. _ L0 oT Nss Vn en In conclusion we beg to draw your attention to the main object of this meeting, namely, the disâ€" posal of Lbejlt:um'cn.txphee'd’bo- Eus ailiinediliinnn d inpebtcen ioi â€"Aepy wl fore you, and the election of four directors to fill the place of those retirimg, for a term of three !ean. The retiring director» are: James Burnett, John W. Hartieib, Fred Yungblut, Lincoln Hagey. $127,476.80 1201 46 1,220.13 Directors‘ Report s41.10 sae.r2 er.m Waterloo Farmers‘ Amount of unpaid loss claims adjusted............$ 18,000.00 _-tdâ€"tll-.otn-wwo&w aa sab ab Amount of interest Book Value of Real Estate......... ...$ 2,800.00 Mortgage leans on real entate............ 120,000.00 Cash on hand and in banks........0>> ps1.63 Agents‘ belances uncollected, welttem orier to Oct Ist 000 Office furniture and Axtures Premium notes in force after deducting â€" bndruidnedibirnindtits 4 Total Resources ...... _ J. W. Harticib that he nrndhowr-::fi'ffl 24 years and in time noted quite ac‘nuu.mni per cent. premium assessment having doubled in that time. He was pleased that fire losses for 1982 had shown. s substantial _ Leander Bowman, another veterâ€" an director of the Company, spoke brieffy and commented on â€" the favorable stutement. submitted. Losses of $21,000 were set down as unknown and director J, C. Hallâ€" man asked why. He believed that part of this loss was caused through carelessness and believed it is preâ€" ventable. He cited several cases where through carelessness boxes of matches were dropped carelessly iononilio Bb arrtes 1 Hurlci C. Stauffer, a director, beâ€" lieved the policyholciers should reâ€" ceive credit when fire losses deâ€" | creased which indicated they were . exercising more care in re%nrda to |!xandfin¢ of roatches, smoking and other ways.. i _ and were the cause of serious fires through the matches scattered in grain being carried through threshâ€" mizachinu. Chimney fires caused a of $10,000 and also believed this could be prevented by more care and inspection of the premises myhddcn. Mr. Hallman reâ€" that it was 35 years since he joined the Company as a director at which time propertiee were inâ€" sured for twoâ€"thirds of their value. Samuel E. Cassel, well known county clerk, a director for many years, stated all companies should strongly protest against federal tax on insurance companies which this year would mean about $2,000 to this Company. | _ _ L En Un Iomme on One of the new directors, How-l ard Bowman, believed the United States companies were perhaps more alive as to the education of policyholders in fire prevention than Canadian companies. Across the line the fire losses were classified oneâ€"third _ intentional, _ oneâ€"third avoidable and oneâ€"third accidental. Other directors who spoke briefly were F. W. Yungblut, Lincoln Hagey and J. W. Burnett. Other Speakers. A. L. Easton, secret«n? of the Ayr Mutual Fire, exten ed greetâ€" ings from his Company and conâ€" fiatulaued the â€" North â€" Waterloo Mutual on the excellent statement presented. He was of the opinion that many properties were overâ€" insured, since values have come down. He said there were few fires due to incendiarism. Messrs. Lillico and Manson, directors of the same company, were also present. . mt UE oad mss sted Secretary Hastings and director A. R. G. Smith of the North Blenâ€" heim â€" Mutual congratulated the North Waterloo Farmers‘ Mutual on the favorable report presented, ETY m o P esc on Y A. E. Bean, of New Hamburg, congratulated the management on the excellent statement presented. He said the policyholders were forâ€" tunate in having a strong Board of Directors, men of high integrity and good ju‘dg_men‘t. , Lo l § BM C Po iess‘ s Careful selection of risks and sound management enabled the North Waterloo Farmers‘ Mutual to present a most favorable statement, stated A. K. Cressman, well known Waterloo insurance agent. The Company acted wisel& in ncceptinz insurance risks in Kitchener an ! Waterloo where the fire loss claims} the past few years have been almost negligible. I T s c s m.:..l..o' Lacl hi ~Slbddcb Other speakers were Mr. Wright,| Conest%o, Allen C. Hallman, Kitch-' ener, Mr. Lillico® and Mr. James Millar. Comments of Managing Director. Managing director J. H. Woods, in commcnting on the statement presented, sai he was pleased to state it was the best reron in the past four years, and all exiensea were fully met. It was a ighly | satisfactory report in view of presâ€"‘ entâ€"day economic conditions. It was| gratifying to note losses were less," only $32,000 more than 1924, a normal year. He referred to the fact that $125,000 was set aside for reserve in 1924 â€" 28 and believed the time was not far distant when the total ‘{en'l losses would return to normalcy. He believed coal oil used toâ€"day contained gasoline conâ€" te _ and _ assessm{nts LIABILITIES ASSETS 28,663.71 $121.00 J. H. WOOps, .$1,063,260.78 $137,131.08 926,120.67 7,160.68 6,188.80 Managing Director of the North Waterloo ?lmen‘ Mutual Pire bâ€"' surance Company, in commenting on the report of the Compahy preâ€" sented at the annual nntila:'t policyholders on Tuesday â€" noon stated he was pleased to say; it was the best in some years. 1 tent and was responsible for hn-' terns exPlodlnu nould:fi in serious losses. If farmers wo place salt on hay, which was a practice for fmmy years, there would be few losses attributed to spontaneous combustion. Mr. Woods took excepâ€" tion to the remarks of one speaker who said the farmer was licked. He was confident the farmers of this county of strong character and })rogreniveneu. would never be |lcked and would carry on until economic conditions improved and _an era of prosperity returned. WELLESLEY TP. COUNCIL MEETS Wellesley Municipal Council met pursuant to adjournment at the township hall, CrosshiHl, Monday, the 6:h day of February, 1933. 10 o‘clock in the foremoon. _ _ i aithl Audic ic ind toi The members were all present, P. A. Wagner, the reeve, pierided. The minutes of the previous session were read and passed on motion made by W. Freeman and J. W. Burâ€" Solicitations for granls were Te ceived from the Hoepita: for Sick Children, Toronto, and ‘rom the Salâ€" vation Army, Hamilton. The memâ€" bers know very well that they should @eal generously with inese instituâ€" tlons for their kind services rendered, but on the other hand they know that their charitable attention is also Teâ€" quired here at home. C nds C e io m L nett i nuakiac io stt ied A en Ad W. Omand (fire chief) J. D. Heipel ‘ and W. Gremm, Wieallesiey Police . Village trustees, came 40 discuss with the council the advisiblitty of receivâ€" ing a grant from this townelip, as : compensation for servicse rendered or to be rendered in this township with their new fire extinguisher when called upon by any one for their services. The ccancil eonl.‘l not see their way clear to tackle, their proposition, whereupon the ‘ Adelegation stated that they could pot and would not answer calls ynâ€" less payment be guaranteed and that any person Of pereons putting lln calle would be finencially held reâ€" . sponsible. | Byâ€"Laws | _ Moved by G. J. Voll, ueconded by G Boehm that byâ€"law number e 'to provide for expenditure on roads in the township of Wellesley during: |the current year, 1933, be now read the first and «econd tlmt-.â€"CarrMn.' to authorize the borrowing of Money to meet current expendivures for the | year 1933, be read a firs: and second time.â€"Carried. | Moved by W. Freeman, seconded {by J. W. Burnett that byâ€"law numâ€" ber â€"â€" to authorize ths_ head and i4 uid a 8 + Do pa td ts 5 Proposed by J. W. Burnett and W. Freeman that byâ€"law gmmpe‘r â€"â€"â€" township of Wellesley to borrow cerâ€" tain eums to meet the current expenâ€" ditures of the corporation be now read the first and second time.â€"Carâ€" w9 Mn se ers treaeurer of the corporation of the ried Payments of Accounts Moved by W. Freeman, seconded by G. J. Voll that the treasuter pay the following amounts and that the reeve grant his orders: §E F MR MAE L CAnge (Ach Bd d c Aiorâ€"orianan dininn en Martin Linehan, remuneration torl valuing sheep, $2.90; The Muntcipal World, subscriptions to Warld, 6.00; Robert Newton, compeneation for one sheep killed by dogs, €.00; Frank H. Schummer, division court costs, 2.85; The Municipal World, for as sessment schedules, 7.07; John Faulâ€" pafer, % cord wood, 4.50; Jos. BErtel, refund of over assesament, 1.14; A} on Martin, refund of dog tax, £.00; Hospital for Sick Children, grant, 10.00; J. J. Gilliland, work on road 28, 3.90; A. E. Reiner, hardware a/c, ‘2.95; Hy. Zettel, hardware a/c, 6.15; Peter Herrgott, work cr road 13, 3.90; County treasuret, Wellesley boundary, 14.85; Frank McGoey, work on road 27, 2.80; Total, $T6.1L â€"Carried. Proposed by G. J. Voll and G. | Boehm that counci! torm into a comâ€" mittee of the whole on byâ€"laws 1005, l 1006 and 1007, that P. A. Wagner be chairman of said committeeâ€"Car rled £100. Byâ€"law 1005 the aum $12,000.00 m‘ written in said byâ€"law, eubdivided as _ follows: nqnd consatruction $1,000.00; bridge ‘construction, #$1,â€" (00.00; machinery, $250.00; superinâ€" tendence $750.00, and maintemance and repair $9,000.00. Byâ€"law 1006 to borrow money from the Bank of Nove Sootia, the sum $20,000.00 was inserted in eald byâ€"law. _ Byâ€"law 1007, to borrnw money merce, the sum of $40,300.00 was written in. Committee resumed in cpen cout oil on motion made by O Boeohm and _ Moved by G. J. Voll, T. A loof G. Boehm that byâ€"laws 1006 to 1007 and passed.~â€"Cartied. Moved by J. W. Burnect, acconded: by G. J. Voll that this councit & hereby object to the removal of esttle suards on the C.L.K in the as flled in be read th» third time Zi'.'.%'"n“n‘.‘c.’rti- municipal ubm‘:«'& lcaley and that the clerk is hereby BUSY SESSION OF THE Petition Presented by Ratepayers Asking That Boundaries of Union School Section No. 4 Be Changed by Detaching Lands From Said Section.â€"Accounts Passed and Other Business Dealt With. The Municipal Council of the Township of Woolwich met at Conestogo on Tuesday, February Tth, 1933, pursuant to adjournment from last session. . All the members were present. The reove was in the chair. The minutes of the previous session were read and approved. The communications were read and considered. Messrs. Henry and Cyrus Bowman again appeared with a duly signed &oitition for the alteration of the boundaries of Union School Section No. 4 by dotuhins their lands from the said Union Section and attaching them to School Section No. 11 of the Township of Woolwich. The reove with the .pglji’canu were instructed to interview the Inspector of Public Schools on this matter before proceeding further. i Township Road Superintendent Norman Snyder was instructed to attend the Road Superintendents‘ Convention in Toronto, while_the Reeve and Deputy Reeve will represent this Municipality at the Good Roads Convention in Toronto, on Feb. 22nd and 23rd, next, | Moved by Edmund Schmindt and Wesley Howlett, that Byâ€"law No. 844, to authorize the borrowin; of money to meet the current ordinary |‘ expenditures for the year 1933, be read a first and second time.â€" CALEZOG Moved by Wesley Howlett and Edmund Schwindt, that Byâ€"Law No. 845 to Eovltfo for tx&:ndltures on roads and bridges in the Toymshlp ::f Wootwich, during year 1933, be read a first and second time.â€"| arried. ‘The following tenders were submitted for Township printing : The Elmin-glgnctâ€"loo copies Voters‘ List at $1.64 per page; 300 ;1;2:? Joma: gi ;:roceedlnn rl.oo per page; 200 eopies of Financial ments, a .34 per page. f The %:urloo Chronicleâ€"Voters‘ Lists at $1.63 per pn*e; Journal of Proceedi u%o t 3@; Financial Statéments, at $1.22 per page. 'l'he.mw‘ ors:- oters‘ Lists, at $1.51 per p-fe;‘Journnl of Proceedings at Ll.nlt per page; Financial Statements at 1.27 per png. Moved by tom Weber and Herbert Strebel, that we ucceft e tender of the News Record to print 200 copies of the Voters‘ List at $1.51 per page; the tender of tl?e Elmira Signet to print 300 copies of }lho Journal of Proceedings at $1.00 per page, and the tender of the [Wlhrloo Chronicle to print 200 copies of the Financial Statements at ,‘1.2_3_ p‘r.l.”.!.' â€" ue on en e ce S i e hn e n e e n e Lk AAmB PUC CNHIRE Moved by Herbert Strebel and Milton Weber, that this Council go into a committee of the whole on the auditors‘ statement of the Treasurer‘s accounts for the year ending December 31, 1932, with Wesley Howlett in the chair.â€"Carried. . O _ uit wC BHP VITW ENNNE OATINCCCC T After examining the same Council resumed and the chairman preâ€" sented the following r-Eort: To the Reeve and Council:â€" We, your committee of the whole, beg leave to report that we have examined the auditor®‘ statement of the ‘Treasurer‘s accounts for the year 1932, showing expenditures exceeding receipts by $12,473.08 and :R‘n&zc of tax arrears and as we find the same correct we recommend the adoption of the same. Wulog'Howlett, chairman. Moved b{ Milton Weber and Herbert Strebel, that the regort of the Committee of the whole on the auditora‘ statement of the Treasurer‘s accounts be ndo&ud.â€"-â€"(‘.nrrled. ‘ Moved by Wesley Howlett and Milton Weber, that the following vmunlt.cb.;n"id and th.'.c?. R"l:l i"::m hl:’ orders for the l":f 0 21.88 uel pay County nt patient account.......... .88 | Ontario Good fifi'. Association, mnbenr\ip SOG.srrc cssc rrinsrsssorss 5.00 Sick Children‘s Hospital, nnt 25.00 Bank of Nova Seotia, St. obs, tax collections.............clc.c..... 22.95 Royal Bnn% Wou 17.175 1lnnld‘rd orld, s and Assessment Roll supplies.... _ 36.10 | Schmidt & ‘.I'-& binding Asseasment Roll®.............s<> 23.65 Jacob Kiensle, ntg‘-m‘r to Old People‘s Home.............. $.00 .h‘r. %w'l.b, rt nllzc‘{.fluu‘ };.g: C. J. Trapp, supplies %mr POMOL ......ssccse en 8.41 LA BBA scacnd MA s H. Stroh, Absalom m 10 King St. S. WATERLO O Phone 894 Absalom Martin, mo Abram Martin reli Norman Snyder, bi on road aecount...... Norman Snyder, pay voucher ...« Moved bL trebel and Edmund Schwindt, that Byâ€"laws Nos. $44 and 845 be now read a third time ndrd.-â€"'z:nfl-d. Moved by Milton Wober and Wosley Howlett, that this Council do adjourn to meet agrin at the Council Chamber, Conestogo, on 3'-'.'.:.;. March 7th, next, at 10 o‘tlock a.m.â€"Carried, _ ___ _ _ _ instracted to forward to the proper| Outstanding a/c afficiale a copy of this r-om..-.â€"-' Carried. Treasurer‘s Financial Bentement Adjo. C hoh n «on n "a"4 "Foll t a/c Januai® lat ............_$ #§1.1%) by G. J. t Necdipts Jan. 1, to Feb. 1.... ©800.18| mow adjourn to MRA Last d nab‘v lndP ols v eabicirt ishanie BP E. Welker, supplies C. Vanatter relief CHOICE TASTY Ginger Snaps 3: uml. plgs. 19e Dr. Bellard‘s Large Size CHIPSO â€" 21c Kirk‘s Castile Soap Pearl Naphtha Babbitt‘s CLEANSER 2 tins 15¢ @ 10 bars 35¢ 1â€"lb. tin 15c 2 tins 23¢ O. and C. Vanatter relief.... rppltes Abram Maztin relief wWOOLWICH TOWNSHIP D ATESI TOMATOES Crown or Beehive Corn Syrup i 29° Green Valley Sieve 4 Peas 3:‘ 25° â€"3 ibs. 17° Aylmer Sieve 4 Peas 2 tins for 2lc [ _ 3 No. 2 tins 25¢ pound 23¢ 2â€"1b. tins 2 for 270 NOAH STROH, Clerk, BHSCUIHTS Red Salmon a > 95 VICTORY COHOE â€" No. 2 sqt. tin 10¢ 8.41 7.19 4.59 10.00 8.82 449.81 12.56 Mr. and Mrs. George Bierman, Mr. Orland Blerman, Mr. and Mrs. Wil fred 9. Schaefer and family epent Fridey evening with Mr and Mrs. Harvey Schmidt. * Mr. and Mrs. John Bierman epent Tuesday with the itter‘s father, Mr. Valentine Schmidt. Mr. and Mrs. Ezra Brown daughâ€" ter Bernice and son Morrie of Waâ€" terloo visited with Mr. and Mre. George Brown on Sunday. Mr. and Mre. Hen Neeb and daughter @len, ‘zfilmor Neeb were Sunday visi at the home of Mr. and Mre. Harry Bach at Bamâ€" berg Mr. and Mrs. Henry Vogel of Weâ€" terloo, Mr. and Mrs. Rerr Bienback and daughter Doiphine epent Sunâ€" day with the latter‘s parents, Mr. and Mrs. Henry Vogel. Mr. and Mre. William Hartman e«pent Saturddy evening with Mr. and Mre. Harvey Schmidt. _ _ Mr. and Mre. Reinhardt Preiss visited with Mr. and Mrs. Jaceb Schmidt on Friday evening. The boys and girls of the vicinity are making good use of the ico at Percy Peppler‘s and Theodore Doerâ€" becker‘s. _ _ Mr. and Mrs. Wiliiam Prits and family were Sunday vicitore with Mr. and Mrs. Theobald Frits at St. Agatha. _ _ Mr. and Mre. Heara Brown and famâ€" ily, Mr. and Mrs. Henty Vogel, all of Waterloo, Mr and Mre Béward Schnart, Mr. August ScAnarr, Sr., and Mr. August Schnarr, Jr., were recent visitors with Mtr. and Mre. William Frite â€" Mr. and Mre. Enos Bowman, Joâ€" seph and Henry epent the weekâ€"end with Mr. and Mrs. lerae! Bowman Crisco near Linwood with Miss Elme Shantr, Kitchener. Friends 6f Mrs. John Mogk will be sorry to learn that she is confined to her home through ilinces. . _ STEELES TAPIOCA 3 lhe. 25¢ LIMA BEANS . o 2 lbe. 27c Jib. tin 65e 2 pkgs. 17¢ Ig. plag. 19c 96 King St. Weet ERBSVILLE FLORADALE SATISFY