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Mr. and Mrs. C daughters Ruth and tors at the home Centreville, Sunday Mr. Rudolph Betb to his home "here month as a patient pital. Mr. and M family of _ W home of Wiil Sunday gue Snider were treville, Mr. i ters Grace an Mr. _ and Mrs. Leander Snider called at the home of Jacob Hoph of Preston, Sunday. Mildred Weber vieited with Luellia and Lillian Axt of Petersburg, Sunâ€" day. Mr. and _ rylin Jones tors at the Sunday. Mr. and Mrs. Arthur Baker and son visited at the home of Fred Fretz of Kitchener, Sunday. Mr. _ and Mrs. Leander Snider called at the home of Jacob Hoph of Verna. Ja of Petersh at the hom Sunday Milton Ern Buschert oi man â€"Busch The operator labor earnings is the term used in this study to express the return to the farm operator for his labor and management after deâ€" ducting from receipts all general exâ€" penses, interest on capital values at 4 per cent.. and wages for all memâ€" bers of the farm operator‘s family for such farm work as they do, exâ€" cept the farm manager himself. The highest operator labor earnings for the year ending June 30, 1937, amongst 460 shippers of milk to fluid markets, was $5,511 and the lowest (minus)â€"$1.879. . The variation in operator labor _ earnings between these two farms was more than $7,000. While one cannot with accuâ€" racy gauge {arming by the net reâ€" turhs in any one year of operations, this wide variation in net returns is a charactoristic which has been re vealed by all similar studies of any| competitive business. There are sev-' eral factors which are responsible for the great difference in net inâ€"! come as beiween farms. Some of‘ these factors come within and some are beyond the control of the farmer, such as weather and prices. Milk Producers‘ Returns _ The Ontario ‘Dairy Farm Manage ment and Milk Cost study reveals striking variations in theâ€"net return secured by milk producers from their business. Studies of a similar nature in other dairying sections of Canada and in other countries have at other times shown similar wide differences in the farm business returns. As in urban business, some farmers do well while others have great diffiâ€" culty in accumulating sufficient net revenue to maintain living standards. February 21â€"â€"Ontario Association. February 2â€"Ontario P and Seed Growers‘ Ass‘n. February 22â€"Class "B" sociation. The following conventions are scheduled for late in February at the King Edward Hotel, Toronto: â€" February 22 and 24â€"Ontario Asâ€" sociation of Agricultural Societies. Mr. W. H. Somerville, general manager, commenting on the reports presented at the meeting, made reference to the satisfactory year enjoyed. New assurances for the year, exâ€" cluding annuities and revivals, of $44,855,000, brought the total insurance in force to over half a billion dollars. Policyholders received in diviâ€" dends in 1938, $3,345,366, and $3,943,285 in death and disability claims. The total paid policyholders and beneficiaries in dividends, degth and disability claims, etc., was $16,656,â€" 972. ' The excellent record of the Mutual LifelDaladier of France being kissed by a bes was well maintained and the management, field‘corsium girl. We have often wondered force and policyholders are to be heartily conâ€" anybody ever wanted to be head of a F gratulated as the Company enters its seventieth government, but even that job has its year. : pensations. FRIDAY, FEBRUARY 10, 1939 The plan of the Ontario Horticultural ¢ municipalities by tree planting is assured the UNBROKEN RECORD OF GAINS support of the horticultural societies in Kitchâ€" w _ _,___ ener and Waterloo and citizens generally Another year of steady progress, gratifying throughout the county. It is proposed to secure to policyholders, was reported at the sixtyâ€"ninth the coâ€"operation of societies and householders annual meeting of the Mutual Life Assurance to plant at least one tree in commemoration of Company of Canada, held at its head office in the visit of King George and Queen Elizabeth Waterloo on Thursday. Despite the uncertainty next May. in business in Canada and the United States in The councils and boards of trade, hospital, 1938, this soundly established and purely muâ€"|park and school boards and service clubs should tual company continued to strengthen its alâ€"\get behind this commendable movement. It ready strong position and continued to hold its| would not only be a fine gesture of loyalty and place in the forefront of life insurance comâ€"|respect to the King and Queen, but would imâ€" panies in Canada. press upon the minds of both adults and school President R. 0. McCulloch, in his address, referred to the high place the Company holds today with $559,000,000 of insurance in force and $178,000,000 of assets, as compared to $78,000,000 _ and _ $20,000,000, respectively, twentyâ€"six years ago, the year the first unit of the imposing new head office building was erected. * The Waterloo Chronicle, Waterlioo County‘s only The presented at the annual méetâ€" 'rmclwu-lu' ua"wm.c:w buh‘H.-: iI’.ottheEnithe Life, held this week, indiâ€" and tinued with 16,595 policies in “‘lomrb‘m.'fl-'ko.mM cate con progress . The .“-"““‘Mfwuforttohlofw.mm. < mumm“““"m The assets of the Company were increased Queher Newepaber Amorlalion, during the year and now stand at $11,592,190, a The Chronicle is on An Independest pain of $542,110. Growth of the Company is sale at all news _ //*/~\~s} Newspaper shown in payments to policyholders and annuiâ€" es _4 tants of $583,883, and to beneficiaries $277,381, Waterloo and .‘_. w a total of $860,765. _ _ _ _ | # cents, Friday edition $ cents. PAGE TWO The Chronicle is on A sale at -dl l:'l- in > chener â€" a n d & . Waterloo and P 5+ the ~Chronicle Seap s business office tep 4 after 4 p.m. every ts 5 m&‘l‘hnndu. Ja GERMAN MILLS a. Jacob and Elverne Hallman erslhurg were Sunday guests home of Clayton Weber. lay visitors at the home of Ernst wore Mr. and Mrs. Ira rt of Kitchener and Mrs. Norâ€" uschet of Carstairs, Alberta. ind Mrs. Roy Shantz and Maâ€" ace and . and | Mrs rs Ruth vere M Mr. Ha DAVID BEAN & 30ONS LIMITED Owners and Publishers BROY 8. Farmers ‘Convention SUBSCRIPTIONS PAYABLE IN ADVANCE per year in Canads. §$2.50 per year in t h 21â€"â€"Ontario Plowmen‘s â€"Kitchener were visiâ€" nc of Clayton Siebert, Managing Editor r vieited with Lmella _ The many friends of Mrée. Earl of Petersburg, Sunâ€" Tabbert will be pleased to learn that she is improving nicely after her Rudoiph Meyer lnd’r('(‘Pnt operation in the KW Horâ€" ‘rloo visited at the | pital. i Klein, Sunday. 3Chlldrcn Present Play. at the home of Rarl | The young people of Traiee Public iry Bebenek of Cenâ€" School, presented their play to a full ry Snider and daughâ€" |house at the Dorking School last lean Ann of Preston. | Friday evening. Those who took Clayton Moss® and part did exceptionally well and de ind Myrtle were visiâ€" |serve considerable credit. mne of John Moss of| Miss Montgomery, the local teachâ€" lay 1er spent the weekâ€"end at her home, lebenek has returned |near Walkerton. â€"Ontario Field Crop Class "B" Fairs Asâ€" nek has returned after; spending a in the K â€"W. Hosâ€" WILLIAM M. BEAN, Mr. and .‘lra. Jerome Kraemer enâ€" tertained their friends and neighbors at a dance and card party last Thursâ€" day evening. Mr. John Kraemer of New Hamâ€" burg spent the past week at his home Mrs. J. E. Byron spent the weekâ€" end with Mr. and Mrs. J. T. Byron in Brantford. & Mrs. J. E. Crooks of Toronto spent the past week with Mr. and Mrs. Roy Calder. Recovering From Iliness, Mr. and Mrs. George Baxter of Moorefield «pent Sunday with the Iitter‘s parents, Mr. and Mrs. Roy Calder. 6 Miss Florence Wood and Messrs. Mauprice Diamond and Ellworth Bean are lt.t.endin% the sixth anâ€" nual Leadership Training School which is being held in Collef Avenue United Church, Woodstock, this week. Mr. and Mrs. Eldon Hallman of near Waterloo called on Mr. and Mrs. A. E. Bean on Sunday ‘ Margaret Bean was in charge of several contests, after which deâ€" licious refreshments were served by the hostess and her assistants. On behalf of the Young People, Maurice Diamond moved a hearty vote of thanks .fi Mr. and Mrs. Mcintyre and f y for the most enjoyable evening. _ o An invitation from the Haysville A.Y.P.A. was read in which they inâ€" vited the Bethel Society to visit them on the evening of Feb. 20th. The class was invited to the home of Mr. and Mrs. R. J. Bean for the February meeting, which will be held one week later than the usual date. Collection was taken after which the Mizpah benediction was pronounced. â€" ‘ The minutes of the previous meetâ€" "**°"* ing were read by: the secretary, Wallis Bena. It was decided to hoid a skating party in the New Hamburg rink on or about February 14th and _ 3y» to invite the Bright, Chesterfield and 1oyq Plattsville Young People‘s societies. wa»;, Current _ Events were given by Robert Fleming, after which Ellâ€" worth Bean conducted a questionâ€" naire on young people‘s work. A reading was given by Grace Mcinâ€" tyre and Elizabeth and Jean Hesse then rendered a duet accompanied by the latter on the guitar. On Friday ‘evening, the young day after people‘s class of Bethel United dafm F Church held their meeting at the Oscar Tt home of Mr. and Mrs. E. Z. Mcâ€" ic‘" i Intyre, with a splendid attendance. "** !* J° The president, Marjorie McIntyre, °°U° U" presided. The meetini opened with _ Mr. an« a hymn, after which the Lord‘s loo spent Prayer was repeated in unison. and Mrs. The Scripture Lesson was read yr. ar ty Clarence Diamond and the Bible poris an Study was taken by Florence Wood yr and who spoke on the Apostle Thomas. [Waterloo % vocal duet by.l‘li'enbe na«li Oliver " yr an acey, accom y Oliver on the guitar rollowed : terloo sp Lengthy Program Is Presented SOUTHâ€"WEST WILMOT January 9, 1856 DORKING lawast nf aUH Htima o 0 0 0 C too mt Cour, ‘The you eople of Zion United lowest of all time. _ Church hefid‘ &eif meeting on Sunâ€" o ‘ day ievening. gehs é.u&lol:d Schultz TTORIA was in c . Rev. G. on gave ED L NMES an intel::gg talk on hymns and s Ni hymn writers. Miss Marie Shantz Practical training is needed for youths to and Miss Grace Hagey sang the make them useful citizens. hymn, "I have found the Saviour Precious." A number of new hymns A newspaper photograph shows Premier ""WC. °UE 5 s i s 3 Mr. and Mrs. Milton Lambke and Dahc.iler Of. France belng kissed by a beautiful family of Preston spent Sunday at Corsican girl. We have often wondered why the home of the former‘s parents, anybody ever wanted to be head of a French Mr. and Mrs. Henry Lambke. | The councils and boards of trade, hospital, park and school boards and service clubs should get behind this commendable movement. It would not only be a fine gesture of loyalty and respect to the King and Queen, but would imâ€" press upon the minds of both adults and school children the need and importance of tree plantâ€" ing in Canada. CHEAP MONEY (Christian Science Monitor) Money is so cheap that the American Government is borrowing it for practically nothing. Look, for exâ€" ample, at the details of the latest Treasury financing. Secretary Morgenthau was able to raise $100,000,000 for three months at an interest rate of six oneâ€" thousandths of 1 per cent a year! This works out at a cost of $1,440. Such a low price for money is the lowest of all time. ~ President Hon. J. L. Ralston, KC., comâ€" mented on the progress of the Company and its strengthened position. He pointed out that oneâ€"third of the population of Canada are inâ€" sured and over two billion dollars of their money is invested in national and private enterprise in the Dominion. He emphasized the need of eternal vigilance and thrifty administration in government and in business if the happy condiâ€" tion of this most favored country is to continue. ENCOURAGE TREE PLANTING yOUNZ day afternoon was well attended. Schaefer. The feature of the eveâ€" ning was solo. A few violin selecâ€" tions were Bl:en by Miss Marie Dammeier. licious refreshments were served by Mrs. Schaefer before the guests departed for their homes. Mr. Simon Kieswetter left for Crosshill where he is employed by Mr. Henry Schmidt for a term of eleven months. Miss Marie Dietrich of Kitchener spent two weeks‘ vacation at the home of herrrrenu, Mr. and Mrs. John R. Dietrich. While out hunting the other day, Lorne Grube had the experience of killing two jack rabbits with one shot. Seeing two jacks close toâ€" *ether, Lorne took good aim at one. o his surprise the two bunnies dropped dead. Enjoy Social Evening. _ _ A sleighâ€"load from the Hessen Road, Mr. and Mrs. William Damâ€" meier and family, Mr. and Mrs. Reuben Seifert .and funil}‘, Mr. Douilu Nickel and Albert Hohl of Bamberg enjoyed a Jlemnt eveâ€" ning at the home of Mrs. Lavina M. Mr. and Mrs. Norman Forwell of St. Clements and Mr. Clarence Kunts of Hesson Road were Sunday visitors at the home of Seraphim Kieswetter. . Mr. and Mrs. Roy Schiedel were: Mrs. Walter Eckstein of Pine Hill Sunday visitors with Mr. and Mrs. epent: Monday with Mrs. Herman A. H. Kabel of Kitchener. ; Vohs. Mr. Norman Wagner of Britton spent Suday in the community. Proves Good Marksman. Mrs. Cecil Mader is spet week with friends in Toronto Mr. and Mrs. Jacob Sauder and Gordon, Carl and Edith spent Sunâ€" day with Mr. and Mrs. Henry Wagâ€" Mrs. C. Henderson, Miss Ann Step pler and Miss Jean Henderson spent Sunday with Mr. and Mrs. Carl Stepâ€" pler. Friends of Mrs. Isaac Harmer will be pleased to hear she has returned home from St. Mary‘s Hospital where she has been confined for ten months. Sunday visitors with Mr. and Mrs. Lloyd Shantz were Mr. and Mrs. Mahlon Snider of Floradale, Mr. and Mrs. George Musselman and family of ‘St. Jacobs. Mr. and Mrs. Oscar Gingrich and family of Waterloo and Mr. and Mrs. John Klausen and famâ€" ily of Kitchener. Roads which had been closed to motor traffic for some time owing io the heavy snow drifts are again reâ€"opened. © Mr. and Mrs. Clement Brohman were Sunday visitors with Mrs. C. Reinhart, Kitchener. _ Mr. and Mrs. Oscar Bean of Waâ€" terloo spent Sunday evening at the home of Mr. and Mrs. John Bierman. Miss Edna Beam and Mr. Howard Schnarr of Waterloo were Sunday visitors at the home of Mr. and Mrs. Edward Schnarr. Mr. and Mrs Elmer Neeb of Waterâ€" loo spent Sunday at the home of Mr. and Mrs. Henry Neob. Mr. and Mrs. Wim. Fritz, Mary, Doris and Carl spent Sunday with Mr. and Mrs. Seraphine Schnarr at Mrs. Clarence Dorscht ‘and Mr. Oscar Thuroo have now left for Sarâ€" nia to join Mr. Dorscht, who had left some time previously. Mrs. Harvey Schmidt entertained a number of ladies in the community to a quilting this week. Mr. and Mrs. Gordon Frickey visitâ€" ed with Mr. and Mrs. John Bier on Sunday. mt‘ The sale of Mr. Theodore Doerâ€", becker, which was held on Wednesâ€"| BAMBERG ERBSVILLE BRESLAU Mader is spending a E&E WATERLO | _ Mr. and Mrs. Wm. Knipfel, Mr. and Mrs. Harry Knipfel, Mr. Henry ‘Doelle and daughter Clara attended the dedication of St. Mark‘s Lutherâ€" [an Church in Kitchener on Sunday. : _ MfB. Jack Schmidt and son Latry 30( New Dundee spent a few days ‘with Mr. and Mrs. Mervin Bowman. Mrs. Mabel Bechthold spent Tuesâ€" day afternoon with Mrs. Hannah Hauck. _ Mrs. Henry Neeb and daughter Betty of Tavistock and Miss Anna Schaaf of Elmdale are spending «ome time with Mrs. Louisa Strobel. Mr. and Mrs. I. C. Laschinger of Baden were recent visitors with August Knipfel. s Mr. Adam Hildenbrand of Kitch ener spent the weekâ€"end hore. Mr. and Mrs. John Oswald of Pine Hill spent Sunday with Mr. and Mrs. Herman Vohs. / Mr. . Albert Holst spent Sunday with Mr. Stanley Bowman in Pine Hill. Misses Gertrude Otto and Myrtle Hilgardner of near New Dundee spent Sunday with Miss Lilly Vohs. Mr. and rMs Clayton Toman and family spent Sunday with Mr. and Mrs. Beryl Betb in Pine Hill. Mr. and Mrs. LeRoy Schlegel spent Sunday with Mr. and Mrs. Wilâ€" fred Schlegel in East Zorra. Mr. and Mrs. Allan Jantzi and famâ€" ily spent Sunday with Mr. and Mrs. Elmer Gingerich in Wilmot Centre. Msses Norma Swartz and Gladys Herlich spent Sunday with Mr. and Mrs. Angus Rellinger in Petersburg. Miss Elizabeth Christner of Elkton, Mich., spent the weekâ€"end with her cousin, Miss Alice Boshart. Miss Myrtle Hilgardner of near New Dundee spent Sunday with Mr. and Mrs. Dave Otto. Mr. and Mrs. Isaiah Martin and son Nyle spent Sunday with Mr. and Mrs. Allan Swartzentruber in Vicâ€" toriaburg. Misses Alice Boshart, Gertrude, Otto and Lilly Vohas of Pine Hill spent Sunday evening with Miss Helen Swartzentruber. Mr. and Mrs. Christ Swartzentruâ€" ber spent Sunday with Mr. and Mre. Clayton Swartzentruber in Petersâ€" burg. Mr. and Mrs. Aaron Boshart and family and Mr. and Mrs. Edward Witmer and family spent Sunday with Mr. and Mrs. Jonas Boshart in Rosedale. Mr. and Mrs. Elton Swartzentruâ€" ber of Pine Hill spent Sunday with Mr. and Mrs. Christ B. Jantzi. Mr. and Mrs. William Chambers and family were Sunday visitors at the home of Mr. and Mrs. C. Merrel. Jim Derbishire and Howard Orton of Hespeler were Sunday guests at the home of Mr. and Mrs. L. S. Bowman. 1 ; Mr. and Mrs. Jones and family of Preston spent Sunday at the home of Mr. and Mrs.. Norman Lamble. Miss Ina*Bowman of Kitchener spent Sunday at the home of her parents, Mr. and Mrs. L. S. Bowâ€" Many farmers from this district gre busy hauling and packing ice for the warmer seasons. . Zion Young People Meet. The pupils of S.S. 16 have had their third scarlet fever innoculation and the trustees are considering the possibility of getting two more inâ€" noculations which are supposed to keep the pupils free from scarlet fever for a lifetime. Innocuate Against Scarlet Fever. KossUTH â€" BEAVERDALE! ST. JAcoBs FISHERS MILLs o .nn GOLD MINES LTD. Dunker Bldg. â€" Phone 4616 Kitchener Listen to our Broadcast every evening at 7.45 p.m. Kitchener Securities Corporation Limited NORWOOD â€" KIRKLAND PETERSBURG over Station CKCR. PINE HILL Somebody stop that fightâ€"it‘s murder!! LAFF.â€" Aâ€"DAY HRONICLE l Dr. Young has decided to settle down in St. Jacobs permanently. He {has rented the house of the late !August Sauder, where he will in the |future have his office. His mother {wil live with him. | The recent meeting of St. James‘ Ladies‘ Aid was in charge of Mrs. | Alfred Gilles, the president.. Mrs. Nelson led in prayer and Mrs. Henry Sittler led in the reading of the fourth chapter of. St. Mark reâ€" sponsively. The membership of the society was divided into two groups Mr. and Mrs. Edwin Hackbart visited with Mr. and Mrs. John Schmidt at Kitchener on Sunday. Mrs. Reuben Seifert ;;}}“-firs. Wm. Dammeier spent Monday afterâ€" Mr. Harvey Spencer of St. Clemâ€" ents visted with Messrs. Joseph dE‘verat and Jacob Sittler on Thursâ€" y. Mr. and Mrs. Andrew Wahl, Mr. and Mrs. Ross Wahl and Mr. Carl Wahl visited in Kitchener with Mr. Am_i.Mrs. Qeo_x.'ge Rjepert_qn Sunday. Mr. and Mrs. John Metzger of Wallenstein visited at the home of Mr. and Mrs. Jeremiah Martin reâ€" cently. _ â€" The Evangelical Ladies‘ Aid obâ€" served prayer day on Sunday. Rev. J. P. Hauch, the pastor, preached a missionary sermon to a large conâ€" gregation on Sunday morning and Miss Sarah Wegenast of Waterloo addressed the congregation at the wellâ€"attended evening service. to carry on their work of friendly rivalry. The ladies undertook to see that a large kitchen cabinet was built in the basement of the S.S. reom, now undergoing renovations. Dainty refreshments were served. Prayer Day Observed. Ladies‘ Aid Meets HESSEN ROAD Mr. and Mrs. Clarence Strauss of Kitchener visited with Mr. and Mrs. noon with Mrs, L. Â¥. Schaefer at Bamberg. + i_ ‘V Mr. and Mrs. John Kropf spent Saturday with Mr. and Mrs. Menno Albrecht at Elmira. THE «+ MAEourtasie _ LirE Toronto Stock Exchange _ _ â€" _ Winnipeg Grain Exchange Montreal Stock Exchange New York Curb (Assoc.) Montreal Curb Market Chicago Board of Trade * Canadian Commodity Exchange Commodity Exchange Inc. Branches: â€" Hamilton â€" Windsor â€"â€" Kitchener â€" Guelpl KITCHENER BRANCH GUELPH BRANCH 107 King St. West Rvan Buildine o BONGARD & COMPANY Assets increased by $542,110 . . . Policy Reserves exceed statutory requirements . . . Mortgages carried below book value . . . Bond and Debentures taken below market value .. . Insurance in Force $40,773,482 . . . Surplus and Investment and Contingency Reserves Dividends Allotted to Policyholders...................... 1,347.04 Premiums Due and Deferred (Net). LIABILITIES Policy and Annuity Reserves................. Provision for Unpaid and Unreported Claims...... 73,710.00 Amounts Left with Company at Interest.............. 134,716.02 Premiums Paid in Advance......................â€" 27,767.15 Interect Paid in AAVBIRCG..â€":sâ€"s:s.sirescecccneccosccscusrness 263.27 Taxes, Expenses and Accounts Due and Accrued 30,589.74 Real Estate: Cash on Hand and in Banks.. Interest Due ............ Investment and Contingency Reserves. The Equitable Life Issues Strong Report J. P. Van de Water, Mgr. Capital Paid In................. TOTAL LIABILITIES . TOTAL ASSETS .. Other (Held for Sale)................ 401,102.10 â€"â€"â€"rPRCOCTECTION 80 King St. W. â€" TORONTO STOCK B‘l:txns AND BOND DEALERs MODITIES, GRAIN â€" Members â€" WEAD QFFICE â€"â€" WATERMLOO. ONTARIO Mr. and Mrs. John Kropf attendâ€" ed the Seylerâ€"Hohl wedding near near Wellesley on Saturday. Mr. and Mrs. Joe Voisin of Doon spent Sunday with Mr. and Mrse. Henry Hieronymus. Herbert Freiburger on Sunday. $11,592,190.08 $10,178,124.00 73,710.00 134,716.02 , 27,767.15 $11,592,190.03 501,102.10 4,833,891.79 1644,182.19 3,810,379.3% 137,035.00 78,900.50 50,211,85 126,352.11 176,922.55 1,000.00 350,000.00 327,793.12 466,402.29