The Exeter Times, 1922-9-21, Page 7Rural Credits in Canada
ereetin and instructive paissed in 1917 which created th, Wherever there ,1 a 1 i •
g G a n .ip e wio els
lartiele ou rural credits in Canada, by• Manitoba Farm Loans Aseociatioe to troubled with der:Limed, eeryee llioy will
agent; between the find in :Milburn's ffeart end Nerve Pale
W. T. Jacisman, Professor of Et:on- acf aa the loaning
omies in the University of Toronto, Government and the farmers, The a leeway that evel restare the equi
was Published recently in the Inter- aseeeiation is managed by a board of ibriucl or these deri-alaelt centres aud-
a)atioral Review of Agricultural five 'members. The capital stock, $1,- bring beak the 8Itattered• brerY° Us -
t
eardiftEcoriotales. Professor Jatikmaai was 040,000, is divided into 200,000 shares tent o a perfect condition,
chairman of the commission aapoint- of $5 each which can be owned only GerP' Glebe' Gan' 3Inehine
un
• 9 1 2. •
ed by the Ontario Government to in-
vestigate the peohlehe of rural creclitS,
and his special knowledge of 1,he sub-
ject mattes his artiole ;in atithoritative
a
I•satelcl`frei,4
2 •• • ell/ Soil Managemen for G
Ont, rains
by aorroavers and the Government of. s •
'rem army' une 1'1:1ave elements which, contribute to general!
the extent of 5 Pelaccilt. of the'anlount liad' to ,come home froze WOrk 011 many Y
the Province. Every borrower 12111St''''.4'.311±1.11iirgeCi Of outstanaing irrtiortance among'
subScribe and pay cash for ehares to been sufeerieg with illy, nerves, I haye eaaciane on the fella, which are of i
of his loan, and when the loan is paid occesseaa .aad finally lest my job.. I , , , it • d ,
one, such vital impoi•tance in the present
The following is 4 sunamtry oa bac es are sur- was acea to
k the borrower's alien • day epOen E agrice L a eve cyp-
, try Milburn's Heart autt
:Professer Jackman's article ve-ach he rendered. and 'Pahl off at par. All
Ner a Pills I did 90 ana tft r talc' ment, Ure methods of sail menage -I
v
introduces in these words; "In the de- 1°ans Iniado bY the association must be one boa a foN, a great change, am/ eince ment for the fall seeded grains. Disel.
°loin:lent of agriculture in Canada a secured by a first mortgage and must then I would not bo without them in cuss.'" o1 the rclatiemihiP between'
country which is predominantly aara he repaid on he amain' ation plan, the house, as 1 bad tx.ed everything soil fertility and the quality and the
cultural, the same tendencies hay e All m°rtgages are talcen f°1: a thirty- people told me about. • I recommended Yield (if such °:°11$ slwhid prove both
heen manifested as in niost other Year period, but a loan may be paid them to two of my ehums who were in timely and Prafitable'
countries; and as agriculture is be_ off at any annual payment 'date at or' tho same unit a aereea rite ovorSOn$, i It is well 1c110Wn that there is a
coming. rapidly a business, involving •after the end of five years from the and, they 11.4tre also hen greatly- very close relationship between the
the application of business principles dale of the mortgage. Loans mut helped." "•s quality of wheat and rye and soil fer-
and practices, it is riecesssany to pro- nob 'be for., more than $10,000, must not Price 50e. a box at all dealers or mail. tility, The nitrogen content of the
vide for those engaged in it •such exceed 50 per cent. of the value of ca aiecet on .ree0ipl Of price by The T. soil, which depends upon the humus
• facilities for borrowing as will enable the property mortgaged, and are made Arnhem Ger, Limited, Toronto, Ont. j therein, governs very largely the pro -
them to have thoi,r credit require_ only for purposes speeified in the Act. -----------aeamsaa.aae-esesenee. I tein content of the grain, it being
meats satisfied according to their Funds for the loans were obtained by
• higher when the wheat is raised en
n.eada• In all euuntries it'Is reeognized a eontallnition from the Previncial loans. The system for granting short- agoile well supplied -with it than when
that the comineecial banking systems treasurY• In addition the Board may term loans is practleally the same as the env iS,produced on soils decient
are not adapted to the special condi_ sell 5 per cent, bonds up to go per that of Maiiiteba. The Provision for, th this element of plant food. • Phos -
tions of agriculture anta consequent_ cont. of its first mortgages, long-term loans is virtually a duplica-: Phorlas is also a reery'arinortant factor
ly, there have come into operation in- tion of 'that of the Manitoba Farm in controlling the :quality, an ablaut.-
,
• Saskatchewan.
Loans 'System except that • (1) the ance, resulting in Pliiiennees of
• atitutions for Ireeting these requ• ire" There has been no 'legislation for Manitoba' Farm Loans A . • • . :: . s grain.
, . .
seocaation is It is doubtless true that the rapid
merits for rural credit." ' tho establishment of short-term replaced by an Agricultural Develop- deterioration in quality of superior
Manitobacredit in 'Saskatchetven, An Actnpassed
ment Board 01 three members. (2) varieties of wheat and rye when dis-
. The Rural Credits Aet, 1911, -with in 1917 provides for long-term credits. the I3oard will loan, under •favorable senaMated over wale areas is due to
th
arhenclinents, makes provision fist e It is practically similar to the Mani- conditions, up to 65 per cent. of the soil conditions to a large extent. There
organization by farmers of rural toba Aet, the chief difference being: value of the land and 'buildings, and is a shortage; of nitrogen in tnany
No maximum was stated for any (3) loans shall not be made for less sails, 'and phosphorus hunger is com-
&edit societies through which tbeY I (1)
may obtain -short term loans for pro- individual loan; (2) All the mon,ey for than three or inore than twenty years. mion in many fielde,
the board's purposes. was to be pro- purposes. Before commencing! , In order to eecuro funds, the prOVill-
b h One of the conditions that account
scriptions to its capital stock. from at..1 (3), The first mortgages received by • • •
en: least thirty-five persons actually ea-
.!' 'gaged or agreeing to engage within
one year in farming operations. Each
member must subscribe for at least
one share of stock and at least 10 per
cent. must be ' paid on all stock sub-
scriptions before the society begins form an association and apply to the
business, The Provincial Governinent Government for a loan to be used in
and the municipality may subscribe purchasin cow a cl 1 eif • ti if
business the society must receive sub_ \ruled y t e Provincial Treasurer; ciai :treasurer is authorized to open for low average wheat yield is the
offices e provinoe o receive es planting of the crop on soils that are
the board were to be handed over to posite from any persons or corpora -
the Provincial Treasurer as security tions and to pay interest on such de- net naturally adapted to its produe-
.,
tion. Usually it is not satisfactory
for the loans, posits riot exceeding 4 per cent. to grow wheat on :the lighter land,
Alberta.
. Quebec. such as sands, loaany sands, and the
Under the Live Stock Encourage- • lighter phases of sandy learns at least
ment Act five or more farmers may The Qaisses Populaires organized
g s n eis, ,
each for one-half as much stock as desired) the joint purchaseof a pure -
the aggregate of the individual sub- bred bull, which must not cost more
scribers. The board of directors of than 10 per cent. of the loan. Each
a society is composed of nine mem- member of the association may bar-
bers of which the secretary -treasurer row up to $500. The money is bor-
is the only one paid. revved on the joint and several notes
Any members desiring a loan makes of the members, guaranteed by the
application to the secretary, stating Government.
the purpose of the loan and submit- Short-term credit is provided by the
ting a statement of his assets and Co-operative Credit Act, 1917, which
liabilities. If his application is is very similar to the Rural Credits
proved he is granted a line of credit Act of Manitoba described above. The
for a year, and all th personal pro- chief difference is that according to
perty he acquires through the pro- the Alberta Act the rate of interest to
ceeds of the loan is subject to a lien be paid hy the borrower is not a fixed
in favor of the society. The lender of tate paid by all borrowers, but is de -
the money has also the guarantee of called by agreement between the so -
the society. The rate of interest pay- ciety and the bank as lender.
able, laay the borrower must not exceed In 1917 the Alberta Farm Loan Act,
7 lia-seent. per annum. resembling the Manitoba, Act exce t
,
The returns receaved from the in- in minor details, was passed. It has
' vestment of the paid up capital of the not been put into operation.
seciety, together with the society's British Columbia.
share of the interest paid, by its bor-
rowers, must he used th pay necessary Under the Land Settlement and
expenses, after which a dividend not Development Act, 1917, the Land
to exceed 6 per cent, per annum May Settlement Board has been constitut-
be disbursed on the paid-up stock and ed. It receives advances from the
the remainder transferred to a re- Provincial Treasurer, The Board
serve fund. . grants loans on the security of first
Until March, 1920, the banks fur- mortgages for any purpose which will
nished the loans at 6 per cent., but maintain or increase agriculture or
when they decided to raise the interest
to. 61/2 per cent, the societies refused
their demand. Legislation was then_
passed establishing the Provincial
• Savings Office which accepts deposits
from all sources and pays 4 ..per cent.,
interest. This system was inaugur-
ated in July, 1920, and in March,
1921, the net amount of savings was
over $2,000,000, so that its funds were
expected to be sufficient to meet de-
mands for loans. ,
Long-term or mortgage credit is
provided in Manitoba through an Act
A IN
E
FIVE CIIILDREN
They Are Seldom , Sick
Unless From Bowel
TVOsible
Mrs. George Chapman, Sudbury, Ont.,
writos:—"I am the mother of Sive chil-
dren, and I must say that they aro sea
dom sick or in need of xnedicine. They
are, however, sometimes troubled with
Summer Complaint, Diarrhoea, and eucli
• like, but I always find that there is no
cause for worry as 1 just give them two
of three doses, no more, of 1)r. Fowler's
Extract of Wild Strawberry, and the
trouble soon disappears. It is ajomedy
that all mothers should keep in the
home for their children."
This old, tried
and proven Media
. eine for Diarrhoea,
Dysentery, Colic,
, „Cramps and Pains,
in the Stomach,
'Caolera .Cholera
Morbus, Cholera am-
tantum, 05 any other
Looseness of the
BONVC193 has been On
tho market .for the
Pest. ''t7 Years, and we enenot help but
, recommend it es the eery best prepar-
ation you can possibly use for all bowel
troubles.,
• At the same time NV*0 to • ram
you against accoptine sebsti tie 0 f
t110 original, the price of tvilielt ti0e.
Per bottle, anT
d put up only by he
Milburn Co. Limited, Toxonto, ()at,
pastoral production. The minimum
loan is $250 and the maximum $10,000,
and must not be more than 60 per
cent. of the value of the property
mortgaged. The rate of interest on
loans is arranged as nearly as pos-
sible by adding not over 1½. per cent,
to the rate paid by tho Gevernment.
Two kinds of loans are made under
this Act: long-dated loans, extending
for 15, 20 or 25 years, repayable on
the amortization principle, and short -
dated loans, for not less than 3 or
more than 10 years, repayable on such)
terms as the Board may think fit. A
short-term loan must not exceed $5,000
except in special cases.
The Board has also the power to
accept Crown lands or to buy land
from private owners and develop it
for agricuitUral purposes. It may
establish "settlement areas" in un-
developed parts of the province. Fin-
ally, the Board is to take over the
functions exercised by the Agricultur-
al -Credit Comrnission appointed under
the Agricultural Act, 1915.
Ontario.
Io 1916 an Act was pasied author-
izing loans to settlers in the newer
portions.of the province. The maxi-
mum amount loaned to any settler is
$500 and the rate of interest is 6 per
cent. The loan is registered and con-
stitutes a lien against the land. The
Co-operative Marketing Loan Act,
passed in 1920, authorizes loans to co-
operative assotiations :engaged in
cleaning storing and marketing seed
and potatoes. The loan must not ex-
ceed $3,000 and must not be more than
50 per cent. of the value of the pro-
perty on which it is made. It is to
be free of interest for two years and
after that 0 per cent, interest must be
paid. At least 50 per cent must be
-repaid within five years, and the other
50 per cent, within ten years from
the date of the loan.
In 1920 the Government appointed
a commission to investigate the prob-
lems of short-term and long-term
credies. The tea ()Xt. Of thc Cern -
81011 was presented on Odtober 15,
1920. An outline of its recommenda-
tions are given in Proiessoe Jack-
man'a article,
In Apeil, 1021, the Agricultural De-
velopment Act and the Farm Loans
Act were passed providing for the ;liner, on receipt of 'price by Tho
ranting oe iong-Lerm and short-term Milburn. Co., Limited, Tosonto, Ont.
under the Quebec Syndicates Act, pro-
vide assistance to farmers and others
in the way of short-term and long -
silt Icarus somewhat grayish in color,
term loans. Each of these hanks is a
unless they are in a high state of
fertility. The world's best wheat
lands are the well drained loams and
It is much better to grow rye rather
separate entity and operates in a re-!
stricted locality. The loanable funds than wheat on the first group of soil.
The light loame, sandy learns, loamy
of a bank are obtained by receiving
the deposits of the people inthat sec_ soils and sends that do not ordinarily
.
tien ancl by the sale of its shares. The Pr°dIuce satisfactory yields of the
value of each share is usually $5 and various crops are responding to treat-
nient. Where legunies, such as cloy -
few cents each. , The 'system is volun-
grown regularly or at rather short
tary and members may withdraw their
holdings at any time. The social im-
portance of the system, especially in
encouraging thrift, is made a para-
mount feature. Loans, if of small
amounts, are made on the security of
promissory notes, but all other loans
are based on first mortgages. -The
larger proportion of the loans are
from $5 to $200. Repayment is month-
ly. At least 10 per cent. -of the net
profits is annually set asie as a re-
serve fund. -Dividends may be paid
to shareholders in proportion to the
amount of fully -paid shares held.
New Brunswick.
"An Act to Encourage the Settle-
ment of Farm Lands",was passed in
1912. Under it a board of three
members is appointed to buy farms
and resell them at cost to settlers, and
to administer a Government fund for
this purpose. A catalogue of suitable
farrn- is kept, and the settler .Jts
helped to make a choice. If the price
to be paid for the property is less
than $1,000 the purchaser must pay
down 25 per cent.; if the price is over
that amount he must make an initial
payment of 35 per cent. The balance,
with interest at 5 per cent, • is paid
according to agreement, but the final
payment must be made within 10
years, except when the term 'is ex-
tended two more years by the Board.
In 1918 "An Act to Pro:vide for the
Purchase of Sheep" was passed, auth-
orizing the Government to purchase
breeding sheep and resell them to
farmers in the province at cost.
Nova Scotia.
No provision has been made for
short -terra credits, but for mortgage
credit "An Act for the Encouragement
of .Settlers on Farm Lands" was
passed in 1912. The settler who wish-
es to borrow must have cash capital
equal to 20 per cent. of the appraised
or purchase value -Of the land, besides
what he would require for house' g°oa application. There is really only
furnishings; ste,c1t, etc. The loan may one way to dip, and that is by sub -
amount to 40 per cent of, the. vole mersion in a tank sufaciently deep to
cover the animal standing on its :feet.
While for a small flock, as an em-
ergency measure, a molasses hogs-
head with a foot cut off one end may
be used, the proper and economical
vessel is a vat built about eight inches
wide at the botcom, three and a half
feet deep and flaring to twenty inches
wide witi one end piceecting to make
an incline up which the Sheep may
walk after submersion.
A draining platform with tight bot-
tom which will hold two or fliree
sheep, should be so arranged that
when the sheep is assisted out upon it
the drip from its wool will run from
the platform ,back into the tank. The
dip should be made with amern water
and allowed to cool to one hundred
degrees IP, before being used, after
which it will cool rapidly,
Any time after September 1 is a
good time to clip, A ,b-reezy, bright
eats 1 wa,e drowsy and tired all the day is naturally best, but if, for any
intervals, fertilizers which carry a
high per cent. of nitrogen and phos-
phoric acid are giving splendid re-
sults where seedings do not follow. A
mixture carrying iNVO per cent. phos-
phoric acid applied at the rate of 250
or more pounds per acre is very prom-
ising and this should be added by
mean4 s of fertilizer attartfilrient on
the grain dill at the time of seeding.
In addit'ion seventy-five to one lams
dred pouricis of nitrate of soda should
be added early in the ;spring at the
time growth begins, This may be
spread broadcast by hand. In some
instanees, owing to a lumpy eondition
of the nitrate of soda it should be pul-
verized sonaewhat before it is epread.
The reason for delayine, this operation.
until spring is that the nitrates are
removed from the soil by rainfall
when the ground is not frozen. If
stable manure is available the land
should be top -dressed. with it in the
late fall, w -inter, or very early in
spring and thus do away with the
spring application of the ,nitrate of
soda unlees the soil is in e very poor
eonditiori,
On early spring seedings of clover
anal alfalfa on the lighter soils potash
gives good results. In several in-
stances it has saved the seeclings of
these crops and in addition increased
the growth appreciably ovcr the land
not provided with it. Where one is
using a mixed fertilizer it appears
that about six per cent, of potash
should be included in the mixture at
the time of seeding the fall grains. On
the other hand, if one mixes the fer-
tilizer at home, about forty per cent.
of nitrate of soda, 250 pounds of acid
phosphate and 50 pounds of muriate
of potash should go on the land in
the fall and in the spring just as
growth begins at least sixty per cent.
of nitrate of soda should be applied.
The heavy soils or the heavy sandy
loan -is, silt learns and clay 1°a/us
should be fertilized differently for,
best results. Doubtless the principall
conmaercial plant food that they need(
is phosphene, aIthougn occasionally
fields that are badly run ea depleted
of their organic matter will respond
to nitrate of soda. Where nitrate of
soda was used the increase in yield
of the grain did not pay for the cast
ef treatment except in a few instances.
Top -dressing of wheat and rye is
being practiced by ninny of the best
farmers. The manure is usually ap-
plied during the winter as it is pro-
duced, or in the spring when ground
is frozen. A light application is gen-
erally used. In addition. it is becom-
ing the practice on many farms to
add 200 pounds of sixteen per cent.
acid. phosphate to the -land at the
time of seeding the fall grains.
of the property, and in approved cases
to 80 per .cent. The, loan mr
may be fo
as long aS 30 araalisatWitle'repaynient
on the amortizement plan. The mort-
gagor may pay off his indebtedness at
any time within the period. The rate
of interest varies from 6 to 7 per cent
While spring dipping of sheep is
very important to give the flock, in-
cluding the young lambs, a clean bill,
the fall dipping is still mare import-
ant and should never ,be omitted.
If sheep raisers realized the bene-
fits and satisfaction from clipping
their sheep, no compulsory law would
be needed to make them enthusiastio
and persistent in the practice of
dipping.
The benefits are two -fold: First, all
vermin and skin troubles can he large-
ly cured or prevented, which has a
marked 'effect in improving the health
and feeding gains of the flock; and
second, the quality of the wool is im-
proved with its growth stimulated.
Shearing tests have demonstrated that
well -dipped sheep will 5.five from a
pound to a pound and a half more
wool per fleece than if not dipped.
Care should be taken to follow the
directions which come with the dip in
its preparation, and rneains taken to
see that the whole sheep, win the ex-
,
caption of eyes and nostrils, gets a
BOTHERED
m
"Vitki5 DROWSY AN TIRED
ALL THE THHE
When the liver is inactive everything
ieems to go w -tong, and unless 'you get
it tvotking properly. a great many trou-
bles tviil arise, and you will become
tired, weak, listless, feel all -gone, and
thousand other things seem to•be the
matter with. you.
• To get rid of these feelings you mast;
stimulate the sleggish liver into activity',
aud fo: this purpose we ISTOW of noth"
mn
to email Milbur's Laxa-Liver Pins.
Mrs, H. Hutchinson, 153 London
St., :Peterborough, Ont., Writes—"1lave ,ben using :Milburn's .taxa -Liver
Pills'and they haye done me a lot of
d
goo. My liver bothered Inc a great
time and didn't keel like. doing any- reason, dipping is deleyed, further
thing, let: alone housoWork, tried delay • waiting for just the right day
everything, bat Y.0111. Pills seemed to I is inadvieeele, Vaeticulatly when
cto the work bettor Dom anything had poieon dips are peva, the Omen should
over Olsen." - be kept off ground affording any pas-
,
Feeding new corn to the fattening
hog -s in the fall should be done with
precaution. Much of the sickness and
loss occurring among hogs in the
autumn may be directly traced to too
liberal feeding of new corn. Hogs
confined to limited quraters and ac-
customed to a scant amount of succu-
lent food are very likely to feed lib-
erally upon new corn and induce acute
diarrhoea or other, aihrients.
The feeding of new corn will not
produce hog cholera, but it may make
conditions favorable for the disease to
start if there is any cholera in the
community. Hogs una.ceustonied to
succulent food become ravenous and
when fed liberally on new corn are
very apt to overfeed. When feeding
a dairy cow or horse we know just
how much to feed each individual ani-
, I•V S q
ent. Some hogs are more ravenous'
than others and get more than their'
proportionate share of the ration,1
thereby over -feeding and causing a]
derangement of the digestive system.
Hogs accustomed ao running on
green pasture are lees likely to he:
disturbed from feeding new corn thani
hags closely confined. However, it isi
advisable in feeding new corn to fat-
tening hogs to gradually accustom
them to the change of feed.
My practice is to begin feeding
new corn as a part ration along with
other dry grains and slops. I find this
method keeps the digestive sy.stern
good working order. A little green
corn along with the regular ration in
the fall supplies additional succulency
and gradually works the hogs onto a
full corn ration as the crop becomes
matured for fattening purposes.
It has been our experience i f t
tening hogs during the fall and early
winter,mcmths, that better results fol-
low the use of a portion of ground dry
feed along with the corn ration. We
always begin feeding riew corn as
early in the fall as the erop ready,
but by exercising precaution we have
never encountered any serious treuble.
or Home
Country Women Who Are Live Wires.
A menaber of a Norfolk County- In- I brought forth yet. However, we mean
stitute writes the following breezy' to find them out soon through a roll
account of the homemothers' doings call which every one must answer:
there: "What I like to do meet." Thi this
"Of course, as we do not live as
closely together as in town, it is
rather difficult some times in had
weather to have a full attendance,
especially in the -winter months, but
j we greatly enjoy our work and play
together, The much -appreciated. Gov -
emits -lent delegate addressed Marburg
Institute on Public Health and Health
in the Home, also giving a demonstra-
tion on home nursing and first aid.
We think if there is any place where
this subject should be thoroughly
j understood it is on the farm, where
we are necessarily far from a doctor
and time is very valuable if the pa-
tient is in a dangerous condition.
Sunstrokes and accidents are quite
common occurrences on the farm, so
we all enjoyed this address and each
was benefited in some way.
Last eummee we held two feed sales
in Port Dover and raised a tidy sum
of money. Outside of the raising of
funds, the experience tends to liven up
interest in work for the community.
We make a voluntary contribution
to an Institute Flower Fund which is
; turned over to the convenor of the
sick committee for floerers for the
sick. We find that although the
1 offering is so small from each (2c
1
, a month was stipulated) yet it has
really been so far sufficient to cover
any expense in that line and the flow -
em certainly do bring cheer to those
who for a time are confined to the
house.
Our aim is to have as interestingi
an afternoon as possible at our meet-!
Mg. So the executive committee try
to make the program one in tvhich
many can and will take pant. We have
a roll call occasionally which must be
answered with a recipe for cooking,'
cleaning, or in some other line de-
signated.
Our Institute has among its mein-!
bers a good deal of talent, but some
of them have so successfully kept:
theirs hidden that it has not been
The Use of Mill; Products.
Milk and bread are the commonest
food ingredients of life and the form-
er is mostly so, because we begin ex-
istence with it, take it in more or less
quantities at every subsequent meal,
and, finally, if we die in our beds, are
likely to pee out with milk h tang
been the last element of common fend
that pasees our lips. Therefore it is
well that we should know in what way
it can be most palatably and whole-
somely used. The Donuen Depart-
ment of Agricultnre is doing its best
to keep us informed in this WaY. Fol-
lowing the pamphlets "Why and How
to Use Milk" and "Why and How to
USe Cheese,". we are told "Why an I
How to Use Crearn, "Why and How to
Use Cottage Cheese," and "How to
Use Buttermilk." There are perhaps
some housewives who ane of the opin-
There isn't • a thing t elm shines
upon but what casts a shadow. But
if you will face the right way you will
see the sun and not the shadow, is
the suggestion of an optimist.
Acting on a request from the Jap-
anese Consul -General to Canada., the
Dominion Department 01 Agricultute
is assembling a shipment of six high -
cleat young Holstein -Friesian cows
with excellent milk and 'butter records.
Theae cattle avill be shipped this month
from Vancouver, I3.C., to Tokio, japan.
Price 25c. at all dealers, or mailed ture until their fleeoes have ceased Theee has been a considerable demand on only one cylinder, so it is impos-'
dripping, ilikree Or four hors at least feom Japan lately for this class of, sible to speed theta up to get to Good
being required. dairy animala. Crops by the end of the season.
ion that they know all about these
things, but it is hard to imagine thet
none will be the wiser for perusing
the publications which can be had
free of ell expense by applying to the
Publications Branch of the 1)a
t. , I pait-
o Ottf the •-
'
phIcts and circulars contain ricipos
and illustrations which add to Ibe
character and clarity of the text.
way we can get a better idea of the
resources and capabilities of our girls
and women.
At three winter meetings we had
demonstrations, one on a eorrectly set
dinner table, by an ex -butler from
Englaud, now on a farm here; another
s.
on sewing; and one on antique
The Marburg Institute territory
takes M three schools, so members
were detailed to visit each one of
them and find out if possible in what
line the Institute could be of assist-
ance to them. One wias keen for mead,
cal inspection, another wanted two OT
three good pictures, and the other
There have been discussions and
papers on Consolidated Schools, and
as there are several school teachers
amb
among our members who advocate it,
aye have had •SOPle" ealleatlenal,
We like also to see our young peo-
ple—iteen age and over—have a good
time. In October a corn roast and
water melon feed was held—a splendid
frolic of games and fun. The boys
have a baseball club 'and pat on some
pretty good grames, too. To this club
$30 was donated for suits and equip-
ment. In the winter we have an
oyster supper and social gatherings.
A Valentine social had to be post-
poned and was later held as a Hard
Tinie
One of our members acts as press
representative and reports our doings
in the local papers.
The prospects for the coming year
seem even brighter, as it is the inten-
tion to get some of our members,
dressmakeps and milliners, to give us
demonstrations and pointers
From the orchard on the farm of
the president of this Institute Branch
came the apples—Newtown Pippins
and Spies—that won the gold medals
for Ontario in the Imperial Fruit Show
held in the Crystal Palace, London,
England, in October -November, 1921.
Droughts evaporate many farm
profits as well as moisture.
Sheep ticks are a nuisance, but a
tick of the clock means some valuable
time is gone forever,
A nalle cannot pull while he is
kiok-
ing, and he cannot kick while he is
milling. Neither 0011 you.
_
E WEEKS
1TH NOPSY
Used Dean s Kidney Pills
Mae, Fred Appleby, Heitth, Alta
writes us tillaCT date of April 19th,
3921:— "I wish to express to you the
benefit 1 receited from using
DOSA'S Kid/WS Pills. About ten years
ago, when I was sevetiteee years age,
-VVIl$ 1-0. bed. nine weeks erith a very
severe case of dropsy, was terribly
swelled up around DI y waist, arid was
kept propped tip so that the water
would not got to my heart,
The doctor glee nee too weeks to
live-awl:en my daunt got nit, ":Deari's
Pills." I had PlISSO(I 110 water tor two
weeks, but alter I had inleen ono box
passea ft
a pint, and aea letting Iheee
boxes I was trp and quite well agnin,
ena have never linci tire Tetuan of that
awful trotible,
D02271'S KillIOSy Pills axe elle. per
box at all dealers, or mailed direct co
-receipt of pieta by The T. Milburn Coe
Limited, Toroattn Ont.
It is wise to .observc speed limits
in farraing as well as on the road -tut
so many farm "engines" ate hitting