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HomeMy WebLinkAboutExeter Advocate, 1900-4-5, Page 4for five yeaaa and wily shoirla they Ca 'a. ^••• ,a)n. .4v, it011 poO.Oivo Sp0Ohli privilege? 'The Qtras.. 11. Sala.dere, 1---iclitor anal prop ' .A.ttta.ney-ti uo,..1te othev en et at e , (la) referred to the Domtmou insur- once <anon:ones; thia Oompany cannot be classed with the farruers' insuranee companies, and ir that ComPaalY) in my opinion, had strictly adhered to the, farmers' besiness they would not, be irt the position in which they are to -day. The Attorney -General said the other day that if a treasurer or secretary of uu iosurance company is careless in his book-keeping, aud if a farmer who insure,/ for two or three thousand dollars, after the risk had been carried two or three years goes to the Secretary and asks his policy to be reduced five hundred dollars arid it is reduced, it would be very difficult for the Inspeetor of Insaranue to Sec how the Company stiinds. Well, I say in regard to that objection that if the .1.nspector shonld find, sell a ease as that, let him \vind up the comp:ally or give him power to take away , from such company the privilege of 'issuing five year polieles. I will guarantee as a pear:deal man that there will be no difficulty 111 COO fleCti011 With my com- pany. My Bill is permissive to issue five year policies and any company who considers it to their interest can take advantage thereof. The Inspector has it iu his power at any time to say ''You will have to wind up your busi- ness," if he finds the book-keeping bad in any company, and I am quite satis- fied, if this House will allow no the privilege of issuing policies for five years there will be no trouble about the book-keeping. Mr. Speaker this'House is aware how Stock Companiesdo their business. They issue policies for one or three years, then without the agent ever seeing the property, issues a renewal receipt, and in hundreds of cases no examination is made for years, and I have good 'reasons to believe that Stock Companies who are not farmers friends are opposing me in this Bill. No doubt it will be again said, to -day in opposition to my Bill that We are tinkerino• with the insurance law. Mr. Speaker, what are we elected for? What are we here for but to pass leg- islation in the interest of the people. This is not a political question and ever since I have introduced this Bill I have done rny best to keep it so; but if the Attorney -General is bound to make his followers defeat this Bill, he will have to assume the responsibility. I have been requested to withdraw the Bill or allow it to be declared lost on a division. This I am unable to do. I tun honest in this matter and nothing butaa record of names will do, and I trust that this House Will place itself on record as favorable to my Bill. The Hon. Mr. Stratton, Provincial Secretary, said he hoped the honorable e•entlernan (Mr. Eilber) would not press his Bill. He accepted what the honorable gentleman said as to the unanimity existing in his County in support of the Bill, but thought if the people there really understood the dan- gers which might accrue in the. exten- sion they would not be so much in favor of the Bill, Mr. Stratton con- sidered that the three years term was a long enough time to elapse before there was revision of the contract of Insurance. Some .change might be made in the premises which would materially affect a risk (for instance a c him n e yaniiglatab eartfiged) and in case of losS this would leaVe it Open to the Companies who wished to act sharply to repudiate their liability un- der the policy. There was danger in this respect in the present three year policy but that danger would be great- ly increased by the extension of the contract to five years. Mr Conmee: I rather favor the bill of the honorable member. I do not see any reason why a farmer or the party who insures should not himself be the jadge of how long he should insure for. There is nothing in this billwhich pre- vents him renewing his insurance every year if he likes; or every three or two years. In my judgment wheth- er you make it three years, a year or five years you will not have a much better examination in the premises in- sured than you have now. What is the practice? A rtiall'S premises are insured; the local agent in the city in the majority of cases renews the policy without any examination at all: Ile merely comes to tell us, or sends a note that the insurance is going to expire on such a day, and if the insurance is to be renewed we pay the premium and there is no re-examination. The argument of the Provincial Secretary that the Company may send an expert and take some technical objection and force the unfortunate individual into.a settlement in the interest of the Insur- ance Company I think has no force in this case. It is true, of course, that the Insurance Company ma.y do what he says, but I think that is the place where the Government might well pro- tect the public. I think Insurance Companies ought to be compelled to pay the -amount for which they collec- ted a premium. They insure for a cer- tain amount and take the people's money, and they ought to be made to pay the amount of insurance that that premium represents on that class of riskl Te Hon. Mr. Gibson, Attorney - General: The question as to whether a man is to be obliged to pay for a re- newal fee once in four years instead of once in five years is of very little im- portance, compared with the consider- ation in the matter of book-keeping in the Company's concern. It is a mat- ter which any one who is not accus- tomed to insurance knows very little about, but when you are told very em- phatically by a gentleman whose pro- feasion is that of Inspector of Insur- ance of the Government that he has very strong views adverse to the con- tinuance of a policy beyond three years, let alone four years, then I see nothing else for the Government to do but to take the ground that what is proposed in a bill such as this is ob- jectionable, objectionable on grounds of public policy, objectionable upon in- surance grounds: We arannot be reg- ulated in a matter of this kind by the views of sonic , particular insurance compan y,nc) matter how meritoriously Or ably it may be managed, and I have no doubt that the Insurance Company 'represented by the honorable member who moves this bill is ablymanaged; what we hare to consider is the matter of public policy. The, Insurance Law of the Dominion does not allow a icy - icy to extend more than thee years, and the law of this :Legislature was, until a abort, tune ago, three years. Why not eXtend to six years, and the, VVeSt AlgOtua THURSDAY, APRIL 5, 1900 !PRE M'a.Nrrone. LataisiaafruitE has met Ainder the new In:ender, Hon. Hugh John Macdonald and begun a program that reads well in the line of eO0110111T Ulla redeeming the ministry's pledges, Mr. Macdonald is carrying on pro Villeial Work With thrO0 paid ministers and is trying to fee his pro- vince from certain ailway fetters plac- ed about it by Mr. Greenway, once Coneervative Candidate for South Huron. We shalt watcll results with in terest, A V N 0 7../ The Beers are the most annoying aneiny the British have ever ruu up :itgainst. A few'aveeks ago Lord Ro- berts Wiped. out a column under their ablest leader and sent him: With. the :flower 9f his army as prisoners of the war to the sea coast and perhaps to an. island prison in the. Atlantic. Then he routed another army and in a few (lays marched into one Of their capi- tals. , Then from all sides they surren- dered So rapidly aad in such numbers that it Was ditlicult to keep proper re - Cords and store the yielded rifles and supplies: 'On Saturday last news came of another rout twenty miles to the North aith the abandonment of Brandt- . ford.on the Way to the temporary ca- pital Krooristadt. This was a series of ou reverses sufficient to take the heart, out of any civilized community. But Monday word comes of Boers oil the .east OtBloomfontein actually arnbusla :Mg 0 British convoy and, capturing a 'battery of six gains with a fall escort of cavalry and infantry. . Of course the prospects are that ere this is read all may be recaptured, but one can hardly imagine anything more pro- voking to Lord Roberts ancl the skill- ed, and valiant soldiers withhim. The task of saving .the guns and convoy will fall upon the Canadian first con- tingent. Legislative Assembly, Province of Ontario. In moving the second reading of 13111 (No. 115) "To Amend the Ontario In- surance Act," H. Eilber, M.P. P. , (South Huron) said:—I desire in addition to what I said some days ago, that this Bill is.in the interest of a large num- ber of farmers in this Province. This House, on both sides, claims to be the farmers' friend, and I want to see how far the members will go in giving such legislation to the farmers of this Pro- vince as they consider to be in their in- terest. I do not want to take op much -time,- but I want to say that I can .readily and easily understand why it :should be thought by some up:wise to make the term of insurance longer than three years by those companies ,doing business in the city of Toronto, or London, or in any other city in the Province where they have their busi- ness scattered over the whole of this Province, and where not a manager or director knows anything of the pro- perty insured outside of the inf Diana - tion given in the application received. :from the agent, ancl in the case of such companies I think it would be wrong to allow them to issue policies for lon- ger than the three years; but 1 ant re- presenting a Farmers' Company which is CarrViLlo' about three nillion dollars ,of risks M my own constituency, that company is composed of only farmers. At the last annual meeting they said they believed it to their interest to have the power of issuing policies for five years, and they signed that peti- tion which I presented of 246 members who attended the meeting. In our Company some one at least of the Di- rectors knows every risk we have, we do not do a business scattered over the whole iprovince, but we do business en- tirely n three or four townships and we will notmsure in our Company any risk unless we have a personal know- ledge of the risk we are undertaking. If the members of our Company who have the interests of that Com- pany at stake, if the Directors .of the Company who have conducted the af- fairs of the company for the last twen- ty-five years, believe it is to their in- terest to have the power to issue poli- cies for ,five years, the government should giV'e them that power. Who can have the interest of the Company more at heart than the members there- of? The Attorney -General the other day said, referring to my Bill, "If the mover's object was to extend the term so as to save the cost of the renewal fees, when he understood was some- times fixed at $L50, all he had to say was, that there was DO statutory au- thority for the imposition of this fee." Mr. Speaker, as an insurance man I was surprised when I heard the Attor- ey-General make th at s tatemen t. Tha.t statement has gone through the coun- try that farmers' insuranee companies in this province are allowing their agents to collect:from the assurec/ $1.50 as agents' fees when it is without sta- tutory authority. I wish to read, Sec- tion 123, of Chapter 203, R.S.O., 1807. "Nothirighcrein contained shall prevent a director from receiving application Mr insurance, or from taking to his own use the customary application, survey, or policy fee, hut the said fee shall not ex ceed $1.50 for any one application or policy," That is the law upon the matter and no doubt, it debateable question wheth- er it is proper to pay the agent by sal- ary or by a fee. Personally I believe the fee system, when reasonable, td be the most just way of taking insurance. Mr. Speaker, while I have had the honor to have a scat in this House, I have seen villages and towna cothe here asking fol.special legislation, and for legislation for bon using different coneerns in their mumeipalities1 and it generally granted to them when it is believec1to be in the interest of the municipa lty 11000 1 have a Company in nry riding, asking for the privilege to renew policies for five yeats, ,and might say I could have a petition of three thousand farmera in favor of this Bill 00' i"P` ' acaaa 50 (Mr, Coninee) wilt say ' \\'hy no ?" But in naltter$ (11 11115 4ir)] \vf. Want to a(1014 fair hues of policy and not to have a policy which has some particu- lar theory behiud 11 vather Hum the general view. 1 01)11 well understand that the account in connection with premium notes taken for five years before the end 01 ±0(10 years, and par- ticularly before the end of five years become 0 complicated piece of book- keeping. There must be assessments in regard to losses, these assessments are' made and charged against the premium notes. There are premillni notes co win g in at different antes ci r- ing the course of the year, and differ- ent things coming in daring the Period coveeaa, and all these thiags have to form the subject of insurance book- keeping. I aan told by the inspector 'of lusueance thata it is au extremely difficult thing to have the book-keeping of these Mutual Insurance Companies carried out even under: the throe year system, and he urges with all the em- phasis that :my public official can pos- sibly use that to extend the peaiod to five years \you'd be a vela:- objection- able thing ftfoul a book-keeping point of view; and that aftea all it is a most important feature. The book-keeping of these Mutual insurance companies in many cases has to be performed by people who are not accustomed and who have not had very much business training or experience as hook -keepers.' Forms have been supplied by the In- spector of Insurance which renders the keeping of accounts as siMple as possible, and when we are told that if we extend the time as proposed by - this bill it will be impossible to pre- vent in many cases confusion and in- accuracy of book-keeping I think we ought to pay a great deal of attention to a provision of this nature. The mat-, ter of renewal fee is a very sinall portance, when extended. ,over the whole term only a matter of a few cents a year, and that should not effect the judgment of the House as against the other considerations urged, and hope the House will see no difficulty at all in rejecting the honorable gen- tleman's 13111. If -I thought it was greatly in demand in the Province I, might think it advisable to give way to the honorable gentleman, but I tind it has not been pressed or urged upon' the House except by .the honorable gentleman. For some years we have not heard a word about the matter, and lam advised that taking the In- surance Companies generally they are perfectly satisfied with the LaW as it now stands, and therefore this bill has not been prepared in response to any- thing like a general demand for a pro- vision of this nature. ' Mr. Whitney, Leader of the Opposi- tion: Those who have approached the consideration of this subject with an open mind like my honorable friend the Premier and myself nave met with disappointment to -day. We have heard the argument advanced and the reasons given by my honorable friend,. the promoter of the Bill, and I am sure it will be admitted that prima facie they are not unreasonable. We have been waiting to hear something on the other side. The honorable gen- tleman who promotes the Whims prac- tically made out his case as far as an intelligent observer can make out. I put it to the honorable gentleman whether we have receiVed mupb. M- atiamtion froth the other side honorable friend, the Provincial Sec- retary, dealt with the question as to the danger that might accrue to the insured with a policy extending over five years owing to changes which might be made in the premises insured. I was waiting with a good deal of in- terest to hear the reasons that could be advanced by the Honorable the At- torney -General against the adoption of this Bill, and I have not heard any except the one or two to which 1 shall refer. The principal objection my honorable friend urges is that anoth- er man objects to it, that the Inspec- tor of Insurance said that it is all wrong. I all) not prepared to take my instructions as to how I shall vote in this Rouse from any Inspector. The Inspector may be a very worthy and desirable man in his position fax all I know, and it is perfectly proper that he should be at hand to give the bene- fit of his advice to members of the government and members of the Leg- islature, and it is also perfectly proper, and any other course is perfectly im- proper, that after the members of the House receive andhear the views vanced by the expert that they should then come to a conclusion, and I have yet to hear any honorable gentleman advance the idea that the ipse dixit of the, Inspector of Insurance is to be swallowed whole by the members of this Legislature. Hon. Mr. Gibson: No, No, I did not ask honorable gentlemdn to do it. . Mr. Whitney: That is what we have been asked to do to -day. My honor- able friends reminds me of the descrip- Mon of a clergyman, now long years passed away, who was the head of a College, not ten thousand miles from here, and who was asked one day whether students might be allowed to plant two or three trees in a corner of the grounds of the college. He sat musingly for a while before he replied,' and then he said: "Has it ever been done before?" Was this ever done before? No, brit the spirit of progress which is abroad on this side of the House requires that it shall be done. and at any rate my honorable friend gives' ne as a 'reason to yote agairiit this bill the opinion held by the' In- spector of Insurance. Surely he should not expect us to be satisfied with the mere statement of the opinion of this Official. My honorable friend says ,if we go five years Why not go on to Six years? The process by which my hon- orable friend arrives at that state of mind can only be properly carried,out by continuing up to the hundred, be- cause the one is just as likely to guard as the other. My honorable friend, after telling us this, says that accord- ing to the Inspector of Insurancethe book-keeping will be rendered' intich more difficult. That is the lazy policy and because more work will be requir- ed, therefore,it should not be adopted. It won't be rtdvanced by my learned friend, I am sure, that the book-keep- ing will become eo intricate that people eannot be found 10).,,arapple with it. I conclude my remarks with the simple repitition that we have been reasonably expecting te hear tidetailed statement, of the objections to this Bill, we have not heard that, and therefore WO have 11 right to assurne that the case has been made out by my learned friend who promotes the Bill. Hon, Mn Harcourt, cs„^:1,1h- cutiun 1 thin., 1 (3001(1 give casona • • lop my vote aaide iron) the opinion of ' ny I us p001) )0. but I say to my learned friend is 1( 1101 0 011 before We 011ailge thiS ov that seetion of any Statute to know LhaL the change will reault in a de- cided material benefit. it has not been shown that there is any special virtue in a four or five years teem. There is a virtue in the three years because we have had ic, and it has been the prac- tice of insurance companies, and we have had experience under it, and 'no one in the House has pretended there has been any earnest demand for a chanea, That may be a conservative stand for ine to take, but I think it is good rea so ni ng. My honorable friend, 1)11.. Whitney, has protested with a' great deal of reason against; tinkering, with the ;Municipal and Assessment Acts, and the Bill this :Afternoon is worthy of no other name than that of tinkering with the Insurance Act. My honorable friend was oat tilIitOl'air to the Attorney -C (moral. He said the Attornev-Geneaal's first reason was that the Iuspector of insurance said so ancl so. That was not whit my hon- orable friend, the Attorney -General, said ab all. I understood Min to say that the inspector of Insurance speak- ing for scores of insurance Companies, speaking as 00 expert, as well as voic- ing, the opinions of scores of experts, gave it as his opinion that the law as it stood WaS satisfactory, and that a change Nvould not be satisfactory. Foy, South Toronto: If the ar- gumenta of the honorable Provincial Secretary have any weight with them- selves 10211 astonished that they do not move an amendment to reduce the term of four years to three years. If they have faith in their own assertion and their own argument that would be the logical outcome of it. They have not ventured to do so, and I do not think I am ;making an undue inference in drawing conclusions that they them- selves have not too much faith in the yiew they presented to the House. The honorable Minister of Education cloes not take the same view of what the Attorney -General said as does the Leader of the Opposition. I listen- ed to the honorable the Attorney -Gen- eral and I understood his statement to be just as it was set forth by the Leader of the Opposition. What I understood him to say WAS the Inspec- Or` of Insurance had strong views, and that he was influenced by these strong Views. We were told what these strong views were, we were not given the reasons that actuated the Inspector. We are now told by the Minister of Education that he ' has heard the view of Insurance men. ,-Possibly they were insurance men of joint stock companies and not insur- auce men connected with Mutual Fire Insurance companies. In the Bill we are now considering. we are dealing with Mutual Companies. These Coin- panies, as I understand, are formed of a number of farmers who group them- selves together and decide they will in- sure each other property,and they have confidence in each other, they know what they want and they know what they are doing. They are not obliged tolinsure for four yea' s under the Act, it is optional with them. They can insure foi three years, two years or one year. If some have an idea that they do not wish to insure for 5 years they do not need tb, but if any one wishes to -inure for 5 years, why prevent theta. We are told that a million chaiters did not give any powers be- yond three years. That is because Deminion Charters do not incorporate Mutual Companies. This is a Mutual Company clause and it is not applicable to the other Companies, and therefore special reasons that apply to Mutual Insurance companies would not be applicable to joint stock companies. For these reasons I think that the ar- guments presented by the honorable gentleman who introduced this Bill in default of any reasons given from the other side to off -set them are sufficient to enable me to vote for the seeond reading of this Bill. A division of the House being taken a second reading reading of the Bill was defeated on a vote of yeas 39, nays 44. Mr. Eilber moved that the Bill be now read the second time, ,and the mo- tion, having been put, was lost on the following division:-- YEAS.—Messrs. Allan, Barr, Beatty, (Leeds) Boyd, Brower, Carneigie, Cars- Colquhoun, Conmee, Crawford, Duff, Eilber, Failis, Foy, Fox, Galla- her, Hoyle, Jamieson, Jessop, Joynt, Kidd, ' Kribs, Little, Lucas, Marter, Matheson, Miscampbell, MonteithaMor- rison, McDiarmid, McLaughlin,McDon- ald, Pyne, Reid (Addington), Reid Durham), Robson, Thompson, War- dell, Whitney -39, NAYS.—Messrs. Auld, Aylsworth, Barber, Beatty (Parry Sound), Blezard, Bowman, Bridgland, Brown, Burt, Carpenter, Charlton, Clark, Davis, Dickenson, Dryden, Farwell, Fergu- soa, German, Gibson, Graham, Gui- bord, Harcourt, Harty, Hill, Higlop, Holmes, Latchford, Leys, Loughrin, Lumsden, Malcolm, Mutrie, McKay, McKee, Pardee, Pardo, Preston, Rich- ardson, Ross, Russell, Smith, Stratton' Taylor, ' Truax. -44. PAIRS.—Douglas, Dempsey; Cald- well, Tucker; Pettypiece, White; Pat- tuAll°rc1:Pspitwasowell'declared in the nega- , tive. NOTES AND COMMENTS The recapitulation of the British army in the field in South Africa gives an effective fighting total of about 135,- 000 men 336 guns. The forces com- posing it are 19 regiments of cavalry, 79 companies of Imperial Yoernanry of 116 men each, 10 batteries of horse, 45 of field And 2 of mountain artillery 14 companies of garrison artillery and 18 of engineers, 111 battalions of regu- lar and militia infantry, and 37, colon- ial contingents of varying strength, aggregating about 20,000 men. in ad- dition to the regular artillery there are some few colonial guns and corps machine guns and the mounted in- fantry form separate organizations. The rest of the large army under Lord Roberts is made up of the various non- combatant services and the transport COrPs. For Infants and. Children, no /as- oi mils olgastutS a40, ,'.cagla"). to. 11114611Wi I I 0111111111111110111111110111111111 V11111111114111111t11 Promot.esDigestion,Cheerful- nessanclilest.Contains neither OpitinT,Morphine nor lqineral. NOT NA1COTlC. of Old IltSAIVELPIPZEZ:1 .73angin Sectl silic.Senrsee .- RodierlaSelea Sme • Appermirit Rz atibrata&Seeta, • 0701,73 Sued - Goof d Sugar . itaterieem norm?: A perfect Remedy for Constipa- tion, Sour Stornacti,Diarrhoea, Worths ,Convulsions,Feverish- ness anexi/i.ziedLO, s.s OF SLEEP - 'Tac Siiniie Signature of NEW -YORK. V(ACT COPY OF WRAPPER. ,w/57/M SEE PrliAPr 1'11E4 FAC—SIMILE SIGNATURE —0 F --- IS ON THE WRAPPER OF EVERY BOTTLE OF ASTORIA Castoria is put up in one -size bottles only. It is not sold in bulk. Don't allow anyone to sell yon anything else on the, plea or promise that Is "just Ss good" and "will answer every Fur. pose." 44- See that you get 0 -A -8 -T -0 -R -I -A. Tho fss- similo signature of is on °"rls wrapper. fin ONTARIO LOAN DEBENTURE CO. Pald-up Capital, $1,200,000. Reserve Fund, $315,000. DIREOTORS s JOHN McCLARY, Esq., President. A. S. EMERY, Esq.. Vice -President. WILLIAM BOWMAN, Esq. WILLIAM McLONOUGH, Esq. LIEUT.-COL WM. M. GARTSHORE. SAVINGS BRANCH. 11)]• or compounded half -yearly. Married Women One-half MPienrocresco "tP Interest allowed on Deposits at -Three and One (low deposit and draw out money in their own names. DEBENTURES Issued for one or more years, bearing a slightly higher rate of interest than Deposits interest payable half -yearly. The Debentures of this Oompany are such a Mgh Ciatift of security that they are accepted '.v the Donsinion Government as a Deposit from Fire and Life insurance Companies as Security for their Policy Holders. Exec:Stops and Trustees' are authorized by law to invest in these Debenture..The Act Of parliament, under Which the Company is incorpor- ated, restricts° their business solely to loans on Mortgages on Real Estate, and Municipal and other Debentures, which are the safest securities the Dominion affords. MORTGAGES. Money loaned on Mortgages on Real Estate at low rates of Intl lest. For full particulars apply to WILLIAM F. MILLEN, Manager. c,ffloe—)»or. Drindas St. and Market Lane, LONDON. ONT. it& MORS EirkUMMORE &Fab S *Kahn ISINFUL 11ABITS IN YOUTIll LATER EXCESSES IN MANHOOD - MAKE NERVOUS, DISEASED MEN THE RESULT ed by lust and enposuro am constantly wreekana the lives and future of ignorance and folly in youth, overexertion 04. mind and body inclnc Es.happiness of thousands of promising young men. Some fade and wither at an early age_ It the blossom of manhood, while others are forced to drag out a weary, fruitless am,Non p melancholy existence. Others reach matriraony but find no solace or comfort there. The Rvictims are found in all stations of lifo:—The farm, the cam,, the workshop, the pulpit, the trades and the professions. S RESTORED TO MANHOOD BY DRS. K.& Ka. • wu. A. WALKER. Wm. A. WALKER. MRS. CHAS. FERRY, CHAS. FERRY." -a =VOWS TRZATIZIEWr Arras Yankrgerr Divorced tat united again tarNO NAMES OR TESTIMONIALS USED WITHOUT WRITTEN CONSENT:VI Wm. A. 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At 21 I laad all the symptoms MPOTENCY rO Seminal Weakness and Sperinatorrhcea, Emiesioas ere draining and weakening my vitality. 1 mar zed a VARICOCELE Ke2i4dunexpod"riennellelicinefigllytntanlanoinlYtheligoWertutditzcwedas. a1 EMISSIONS consulted Die. K.& K., what restored me to manhood six years ago. Dm. K. &K. are scientific specialists andt heartily raeommend them." CURED ytheir Me o r a men . e anew, i e ri rough ng nerves,. Wc[were united again and are happy. This was tr.f¼ treezt and cure Varicocele, Emissions, Nervous Debility, &mina , Weakness, Gleet, Stricture, Syfihilis, Unnatural Discharges, Selfaus • Kidney and Bladder Diseases. SYPHILIS 'EMISSIONS STRICTURE CURED 17 yEARs IN DETROIT, 200,000 CURED. NO RISK w at will cure yeti. What has done for others it will, do for you iititeEmApthoEd pre! g*ent Are yonn victirn? Have yon lost hope? Are you contemplating mar e? Has year Blood boon diseaeed? Have you any weakness? On CONSULTATION FREE. NeMatter who has treated yonoriato fon n honest opinion Fre of Charge. Charges reasonable. BOOKS FREE—"Tao eolden MOnitor" 0.11usbratedbsott Dideinies,of Mon. Inclose postage, Scents. Sealed. PerNO NAMES USED .WITHOUT WRITTEN CONSENT. PRI- vi.,TE. No medicine sent c. 0.D. No names on boxes 4.sr envei- Everything confidential. Question Ilst and cost Of Tresit-S iPente:REE. 11, DETROIT, MICH. DRS KENNEDY 4% KEROAN No. 148 SHELBY ST The case of Williams, the Toaonte ig 04 murderer, sentenced to be hanged on By tbe bursting of a griiidstOne oory Goed Friday, WAS considered" by thp 1101 ,Vel la nd Vale Works trt St. Oath- arranaml. Goearemane bra the sent enre will :trines )Valton, ono 91 the 1JC% CIL, . , 9 OW I am .i ., 111.11111111111111111.1111111111. .111.1. l' 1,„ iu . .- . ' ,i'llege lablePrep arationfor As - , . . simila t i rig iliefood and Reg lila-, , 111.0 S to:liar:11s and Bov.is of .4.• lo, a.a. g. atarsoaareal •GO.''', ....in i Jb,, Promot.esDigestion,Cheerful- nessanclilest.Contains neither OpitinT,Morphine nor lqineral. NOT NA1COTlC. of Old IltSAIVELPIPZEZ:1 .73angin Sectl silic.Senrsee .- RodierlaSelea Sme • Appermirit Rz atibrata&Seeta, • 0701,73 Sued - Goof d Sugar . itaterieem norm?: A perfect Remedy for Constipa- tion, Sour Stornacti,Diarrhoea, Worths ,Convulsions,Feverish- ness anexi/i.ziedLO, s.s OF SLEEP - 'Tac Siiniie Signature of NEW -YORK. V(ACT COPY OF WRAPPER. ,w/57/M SEE PrliAPr 1'11E4 FAC—SIMILE SIGNATURE —0 F --- IS ON THE WRAPPER OF EVERY BOTTLE OF ASTORIA Castoria is put up in one -size bottles only. It is not sold in bulk. Don't allow anyone to sell yon anything else on the, plea or promise that Is "just Ss good" and "will answer every Fur. pose." 44- See that you get 0 -A -8 -T -0 -R -I -A. Tho fss- similo signature of is on °"rls wrapper. fin ONTARIO LOAN DEBENTURE CO. Pald-up Capital, $1,200,000. Reserve Fund, $315,000. DIREOTORS s JOHN McCLARY, Esq., President. A. S. EMERY, Esq.. Vice -President. WILLIAM BOWMAN, Esq. WILLIAM McLONOUGH, Esq. LIEUT.-COL WM. M. GARTSHORE. SAVINGS BRANCH. 11)]• or compounded half -yearly. Married Women One-half MPienrocresco "tP Interest allowed on Deposits at -Three and One (low deposit and draw out money in their own names. DEBENTURES Issued for one or more years, bearing a slightly higher rate of interest than Deposits interest payable half -yearly. The Debentures of this Oompany are such a Mgh Ciatift of security that they are accepted '.v the Donsinion Government as a Deposit from Fire and Life insurance Companies as Security for their Policy Holders. Exec:Stops and Trustees' are authorized by law to invest in these Debenture..The Act Of parliament, under Which the Company is incorpor- ated, restricts° their business solely to loans on Mortgages on Real Estate, and Municipal and other Debentures, which are the safest securities the Dominion affords. MORTGAGES. Money loaned on Mortgages on Real Estate at low rates of Intl lest. For full particulars apply to WILLIAM F. MILLEN, Manager. c,ffloe—)»or. Drindas St. and Market Lane, LONDON. ONT. it& MORS EirkUMMORE &Fab S *Kahn ISINFUL 11ABITS IN YOUTIll LATER EXCESSES IN MANHOOD - MAKE NERVOUS, DISEASED MEN THE RESULT ed by lust and enposuro am constantly wreekana the lives and future of ignorance and folly in youth, overexertion 04. mind and body inclnc Es.happiness of thousands of promising young men. Some fade and wither at an early age_ It the blossom of manhood, while others are forced to drag out a weary, fruitless am,Non p melancholy existence. Others reach matriraony but find no solace or comfort there. The Rvictims are found in all stations of lifo:—The farm, the cam,, the workshop, the pulpit, the trades and the professions. S RESTORED TO MANHOOD BY DRS. K.& Ka. • wu. A. WALKER. Wm. A. WALKER. MRS. CHAS. FERRY, CHAS. FERRY." -a =VOWS TRZATIZIEWr Arras Yankrgerr Divorced tat united again tarNO NAMES OR TESTIMONIALS USED WITHOUT WRITTEN CONSENT:VI Wm. A. Walker of 16th Street says:—"I have suffered untold agonies for my "gay life." Dwas indiscreet wh young and ignorant. As "Orie of the Bo's" I contracted Syphilis and other Private diseases. I had nIcere in the month and throat, bone pains, hair loose, pimples on fanai ce, Anger ls came off, omissions, became thin find_ despondent. Seven doctors treated me with Wrenn?. Potash, etc. They helped me bat could not cure me. Finally a friend induced totry Drs,Kennedy&Kergan. Fir'heir New Method Treatment cared me in a fow weeks: Their, treatment is wonderfal, leYon feel yourself gaining,eyery day. I have never heard of their failing to carom a single rierrCURES GUARANTEED OR MONEY REFUNDED 1 KCapt. Chas. Ferry saym--"I Owe my life to Drs. K. es Al 14 I learned a bad habit. At 21 I laad all the symptoms MPOTENCY rO Seminal Weakness and Sperinatorrhcea, Emiesioas ere draining and weakening my vitality. 1 mar zed a VARICOCELE Ke2i4dunexpod"riennellelicinefigllytntanlanoinlYtheligoWertutditzcwedas. a1 EMISSIONS consulted Die. K.& K., what restored me to manhood six years ago. Dm. K. &K. are scientific specialists andt heartily raeommend them." CURED ytheir Me o r a men . e anew, i e ri rough ng nerves,. Wc[were united again and are happy. This was tr.f¼ treezt and cure Varicocele, Emissions, Nervous Debility, &mina , Weakness, Gleet, Stricture, Syfihilis, Unnatural Discharges, Selfaus • Kidney and Bladder Diseases. SYPHILIS 'EMISSIONS STRICTURE CURED 17 yEARs IN DETROIT, 200,000 CURED. NO RISK w at will cure yeti. What has done for others it will, do for you iititeEmApthoEd pre! g*ent Are yonn victirn? Have yon lost hope? Are you contemplating mar e? Has year Blood boon diseaeed? Have you any weakness? On CONSULTATION FREE. NeMatter who has treated yonoriato fon n honest opinion Fre of Charge. Charges reasonable. BOOKS FREE—"Tao eolden MOnitor" 0.11usbratedbsott Dideinies,of Mon. Inclose postage, Scents. Sealed. PerNO NAMES USED .WITHOUT WRITTEN CONSENT. PRI- vi.,TE. No medicine sent c. 0.D. No names on boxes 4.sr envei- Everything confidential. Question Ilst and cost Of Tresit-S iPente:REE. 11, DETROIT, MICH. DRS KENNEDY 4% KEROAN No. 148 SHELBY ST The case of Williams, the Toaonte ig 04 murderer, sentenced to be hanged on By tbe bursting of a griiidstOne oory Goed Friday, WAS considered" by thp 1101 ,Vel la nd Vale Works trt St. Oath- arranaml. Goearemane bra the sent enre will :trines )Valton, ono 91 the 1JC% CIL, . ,