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â€" Premier Hepburn is reported to have reâ€" cently announced that he favored the abolition of provincial savings _t‘:ulkl or offices h Onâ€" the offices, vPre_nTiéVrfiFerxuson lowered the interest rates on deposits and as a result little expansion took plaoe. â€" X Provincial savings offices have been a conâ€" venience to the public and it is a question whether the government is wise in its intenâ€" t With a material strengthening of its posiâ€" tion as a result of the year‘s operations, the progress of the Ontario Equitable Life conâ€" tinued uninterrupted during the past twelve months, further enhancing its standing. Features of the annual financial statement presented at the annual meeting on Monday were the increase in assets of over $500,000, increase in income, decreased disbursements, decreased terminations and marked improveâ€" ment in regards to highâ€"grade securities. The assets of the Company were increased during the year and now stand at $9,127,866 with policy reserves totalling $8,071,095, an inâ€" crease of $479,649. During the year payments to policyholders and beneficiaries â€" totalled $728,173. Since organization the Company has paid to policyholders $5,262,000. > The Ontario Equitable, under the guidance of Hon: Charles A. Dunning and general manâ€" ager Mr. M. J. Smith, can look to the future with confidence, the records of the Company having reflected progress and energetic manageâ€" ment. Reports of a most gratifying character, disclosing record profits and a year of remarkâ€" able progress, featured the sixtyâ€"second annual meeting of the Economical Fire Insurance Comâ€" pany held at its home office, Kitchener, on Friday last. The confidence of the insuring public in| this well established and solidly managed com-l pany was again evident in the increase in busiâ€", ness written during the year. The net preâ€"| miums written in 1934 were $289,948, an in-‘ crease of $24,724. The total amount of insurâ€"; ance now in force is $61,947,457. The increase; in amount of insurance written, with subseâ€" quent increase of revenue from premiums, and. a substantial reduction in fire losses, were high | lights of the reports presented, i The managing director, Mr. F. W. Snyder, the directors and policyholders have reason for gratification in the signally successful year and can take justifiable pride in the high prestige and standing it enjoys. In Ontario, and throughout Canada as well. there is an unnecessary mulâ€" 'llpllrily of governments. Each local administrative organization has powâ€" er to spend money and each addg a quota of taxation for the people to pay, Under these circumstances pubâ€" lic expenditures and public debt have reached formidable proportions. wWOULD ELIMINATE * TOWNSHIP COUNCILS The Toronto Telegram in a recent editorial states it is in accord with the Hepburn government in its de sire to cut down he cost of governâ€" ment both provincial and municipal. The editorial reads: M If the Hepburn Government goes ahead with its announced intention of eliminating townehip éouncile and generally cutting down the number of money«pending public bodies in Ontario it will effect a worthâ€"while reform. In the early days of the country there was probably need of a separâ€" ate administrative organization for each township. Transportation was difficult and government units could not be expected to exercise juriedicâ€" tlion over large areas. ‘But those d@ays are past. It would be easier toâ€" flay for one council to efficiently adâ€" minister the affaire of a county t:: it was for a township council to after the needs of a aingle township fifty years ago. The necessity for separate township and village counâ€" clia has been outgrown yet these porâ€" #i8t, each with a separate set of offiâ€" clais drawing pay from the public, and each a separate spending agency. Ome administrative unit could easily. do the work now being done by a dozen or more smaller units and do It equally well mt a fraction of the There is no fhore Press Comment ENJOYsS HIGHLY SATISFACTORY YEAR ONTARIO EQUITABLE LIF STRENGTHENS POSITION mbor government under |°*"®*" "°****** . the time offended the| 0 ..____â€"â€" in turn gave their supâ€"| | ovI government in the 1923 | | abolishing the savings|© ___â€"â€"â€"â€" noon to insure insertion. "I do not think," he aaid. in mm Lejers Mark‘s Hospital, London, it‘ will be very longâ€"now manuectumpninene .Wmhuhladhhmud.hw bmniop mm mm Muâ€"hhflthflowb’wm NCIAL SAVINGS â€"| cuficummfilah»‘l‘!?ll..“. deing 20 ES ..__| | without the necessity of operating. Hé expressed the @|opinion that the secret of cancer will be pinned down ~~*~~~~~*‘*~ _ |within the next few years, "I believe," he remarked, a year; in‘ the of the province than there would be for a separate civic government, each with its own set of officials and offices, in each ward of Toronto. Not the least of Canada‘s needs is a thorough overhauling and reducâ€" tion of its governmental machinery. Such a reorganization is an absolute preâ€"requisite to substantial eurtailâ€" ment of expenditure and lasting ecoâ€" nomy February 6, 1930 Thomas Hilliard, veteran Waterloo Insurance Company head, who has held the President‘s office in the Waâ€" terloo Trust and Savings Company eince its inception in 1913, resigned his office at the annual meeting of the company this week. Mr. HilMard, who is in his 89th year, is succeeded by E. F. Seagram. Joshua Umbach, who visited just a week ago with his cister Mre. J. B. Snyder at Floradale, died shortly after his return to his home in Vie toria, B.C., following a heart attack. . ‘The funeral of Jacob Lautenschlaâ€" ger, who died in Kitchener this week in his 94th year, was held from the New Dundes U. B. Church. Deceased was the oldest member of the church, George Brenner, former St. Clomâ€" ents district farmer, died in Kitchâ€" enor this week in his 90th year. _ _ having joined the church 60 years Chronicle Fyle Gleanings FIVE YEARS AGO f King Boris of Bulgaria, who overthrew nll‘ political rivals last January, is now the only royal dictator in Rurope. It brought to an end the Fascist revolutionary regime that had been set up last May. The Fascists seized power beâ€" cause of an unhappy political situation aggraâ€" vated by the operations of fifteen different ‘parties, few of whom had an idea of how to improve economic conditions. The King has numerous Communists and rival army groups in his midst but promises to be as democratic in conducting the affairs of his country as circumstances permit. The action of the Hepburn government in abolishing the examination fees in high schools. and providing that exams should be finished before July 1st is a popular one and will please thousands of students who were compelled to write during the hot July weather. It is said that the lowering of stumpage dues in lumbering has considerably helped the business and as a result ten thousand men went back to work. Too heavy a tax has kept other lines of business from expanding, and deprived them from giving employment to many people. Hundreds of members of the Canadian Weekly Newspapers‘ Association regret to learn of the severe illness of its president, Adam Sellar, at his home in Huntington, Queâ€" bec. Members will all pull for his early return to normal health. A fine community will not necessarily proâ€" duce a fine newspaper, nor can a fine newspaper always produce a fine community; but when both work together for the common good of all, there can be no doubt as to the result. The number of people killed and injured in motor accidents during 1934 showed a decrease and it is hoped there will be another substanâ€" tial reduction in 1935. ly? United States has an automobile for every five persons, while England has one for every 35. And which country is more sound financialâ€" Montreal‘s new Knight, Sir Charles Lindâ€" say, was stricken with blindness when 19 years old. His spirit rising magmificently above this affliction, he became a piano tuner,; began to sell pianos, built up a great business, and inciâ€" dentaily amassed the fortune that is the basis of his splendid philanthropy. EDITORIAL NOTES February 4, 1915 The largest crowd in the history of the Waterloo Driving Aesociation‘s meete attended the annual fce races at Bridgeport thig, week. The 215 and the 2.30 paces were run, there being several heate in each. August Kavelman~paseed away at New Dundee on Jan. 25th in his 64th year. Waterloo County Council will pe tion the Ontario Legislative Assomâ€" bly to share the cost of educating County pupile at town schols. At present Waterloo County s paying 100 per cent of the cost for educatâ€" ing County pupile at the Berlin Colâ€" legiate. Henry Weber, 62â€"yearâ€"old Lexingâ€" ton road farmer was found dead in hise woodshed on Tuesday afternoon, death being due to a heart attack. Simeon Brubacher, prominent Kitâ€" chener sawmill owner and public figure succumbed at the Berlin and Waterloo hospital on Tuesday, folâ€" lowing an operation for acute appenâ€" dicitia. He was in his Slet year. February 7, 1895 Mre. John W. Brubacher, nee Kathrine Martin, passed away at the home of her son David in St. Jacobs on Friday in her $7th year. Born in Lancaster Pa., n 1808, she came to this county in 1820.. ‘Temperature in St. Jacobs this week was down as far as 35 below new rates ordered by the Ontario FOOD SCHEDULE UP 25% TWENTY YEARS AGO Forty YEARS aAao Cod liver oil, the gunshine eubstiâ€" tute, is one of the most important items in the property balanced poulâ€" try ration. Where hirds are closely confined during the winter months, as is the case in most parts of Can:â€" ada, they receive very little direct sunlight, and with the rations ‘usuâ€" ally fed they did not receive all the viâ€" tamins they require. Calcium and phos@horus are two minerals epeâ€" cially requirdd for laying pullets and hene in the manufacture of eg8$. The digestion and assimilation of maâ€" terials, especially calcium, require one of two things; an abundance of direct sunshine or an abundance of vitamin D. Cod liver oil is rich in vitamin D, and is one of the reliable sources of this type of food. Market For Bariey in There is practically no limit to the | production of barley in Canada and recent tests show that it produces ! better bacon and beef than other grains. It is proving fully the equal of corn when fed with s/__ile sup plements in the form of homeâ€"grown teguminous roughages. Barley can be used in almost any proportion of the grain ration up to one hundred per cent. As a hog feed it develops an enâ€" tirely eatisfactory class of bacon, which is more than can be said for corn fed in equal proportions, and as & feed for beef cattle barley is unâ€" doubtely one of the best of our Canâ€" adian grown coarse grains. ‘The inâ€" creased use of barley and other coarse grains at their present low levels will make for much better quaâ€" lity in the beef being marketed, and this in turn will help create a deâ€" mand for more beef. Pm Foed Bunshine THE WATERLOO TRUST AND SAVINGS COMPANY Bacon and Beef It is not too eariy in the @eason for a farmer to be thinking sabout his . seed supply for the coming Spring. In far too many cases no thought is given to the matter until a few days before the seed is required and by that time it may be difficult to obâ€" tain, and he will be compelled to take seed of inferior quality. It is a good policy to be eure of your seed supply early in the season. The farmer who is growing a standard variety or grain that is yielding well and is adapted to his farm would be well advised to use it for his qwn seeding requirements. It has been proven that if such graing are well cleaned, free from weed seeds, mixtures and other impurities and the very best sown it would improve rather than deteriorate. On a lot of farms there are bins of the very best grains that are beâ€" ing fed to our livestock or being sold for feeding purposes. Would it not be good business to set up the fanning mill at this time of the year when farm work is not eo pressing and clean this grain or haul it to your nearest cleaning centre? Smallâ€" er graing may be chopped or taken home and fed whole. They make good feed, but poor seed, the best is none too good to sow, for whatsoever a man soweth that shall he also reap. Start early, clean and reclean your best grain before feeding and keep the best for seeding purposes. It will also pay you from a financial etand point. The tendency is for prices to go up ae the season adâ€" vances and the supply gets less plenâ€" tiful. It is good farm practice and you will eave time and money by beâ€" ing eure of your seed supply early. Your Seed Supply . CEastorn Canada Potatode FIRSTâ€"Make a Will. SECOND â€"Make a Workable Willâ€"one that wi your estate to be divided exactly as you desire. And then, by appointing the Waterloo Trust as your Execuâ€" tor you carm be certain that your estate will be safeguarded in every way and that the terms of the Will will be scrupulously and intelligently carried out in the years to come. OMETIMES Wills work and sometimes they don‘t, but any probate judge will tell you that the worst possible Will you could make would probably be better than none _ . ‘:iv _‘ Cmtablished 1069 J ~=~Fepgaases The Eastern Cagada Potato Marâ€" keting Scheme submitted by repre sentatives of the potato industry, has been approved by Hon. Robert Weir, Dominion ‘Minister of Agricuiture, and the Governor in Council, upon the recommendation of the Domihâ€" ion Marketing Board. The scheme embraces the proâ€" vinces of Prince H@ward leland, No va Scotia, New Brunswick and Onâ€" tario. The potato growers in these provinces have been receiving inadeâ€" quate returns for their potatoes and the position of the growers has been particularly difficul this . year. A very large crop and lack of organizaâ€" tion has resulted in demoralized marâ€" keting conditions. The 1934 potato crop for the four provincesâ€"is placed at 43,308,000 bushels, an increase of $.188,000 bushels compared with the production in 1933. Under the scheme, it is elpeelad‘ orderly marketing will result priâ€" marily through control of the grades of potatoes entering the comâ€" ' mercial channels of trade and potaâ€" | toes of inferior grades will not be allowed to glut the market. Consignâ€"‘ ment selling, which has been contrl-' buting largely to price demoralizaâ€" . tion will be prohibited and sales will | be made under firm contracts. The ; scheme also provides for the develop ‘ ments of export markets and for inâ€"; creasing domestic consumption of po-‘ tatoes. ( Moreover, its is believed the utiliâ€" zation of potatoes in various forms which might be marketed in this country or find an outlet to other countries, has not been fully explored and that organization of those conâ€" cerned with potatoes will greatly faâ€" Now Under Regulation You" are invited to come in and taik over your Will. Will Your Will W ork? 'mmm.am-mg ; 'l\.b:nm schame was s#ub ers and dealers. Originating with a -nauotum-q.-: tato industry held at Ottawa the auspices of the Canadian Horts cultural Council, the scheme has ers and dealers. Originating with a s memi buy af Otens uais tato industry held at Ottawa the auspices of the Canadian Horts cultural Council, the schome has since been endorsed by mootings Of producers and dealers held at central points through all the important poâ€" tmo producing areas in the four proâ€" vinees. The scheme will be administered by a Local Board. ; Election promises are like a weaâ€" i ther forecastâ€"it may rain and it We expect our Banks to be sound and yet we lash them for trying to keep eound "Colonel Lindburgh and Dr. Dafoe are proofs that the world loves md desty. at Callander The Hearts of America have adoptâ€" ed as their own the five wee mites ‘The world Was been playing with the realities of life and is just wakâ€" ing to a realization of it. We believe that the Union Jack is good enough for most Canadians, may not Epigrams and By Frank E. Page will enable