HomeMy WebLinkAboutThe Huron Expositor, 1922-09-01, Page 1W Q1;E>=OBER 28541
WilekrNIJUBER 2855
Stewart Bros.
KLOTHKLAD SUITS
Something New.
Strongly Built
for Sturdy Boys
$8.00 to $15.00
Right where the wear comes at the seat, knee
and elbows—KLOTHKLAD Suits for boys are re-
inforced with DURABLE CLOTH—same material
inside as outside. Put there to double the wear of
the Suit, and it does it every time. Made of dur-
able, well tailored, fine appearing, long wearing
materials in youthful styles. Bloomer seams all
double stitched and taped as well. Come in and see
them.
$8 to $15
New Sweater Coats
For Men, Women and Children
Fresh from the looms, and made of the Very Cht,i''toct
Wools, in an array of guaranteed colorings that NI
er of fall. These delightful New Sweater Coats come
to us as the supreme effort of the Canadian Mills to
produce even better coats.
All the fancy designs are here in color combina-
tions that will delight you.
Prices to fit Any Pocketbook
Another Big Shipment
ment
of Attractive Coats
for Women.
Beautiful beyond the possibility of description.
With their attractive new shades in cloths that fairly
shout quality. Ornamented so compellingly attractive
that you are fairly carried away with the high stand-
ard of the general appearance of these (spats.
And -best of all the prices are away below what
you would expect to pay.
Prices $15 to $75
Stewart Bros;, Seaforth
assinSrl
s
PRREMIER DR AT MITCHELL
Speaking before, crowd of around
2,600 Huron and erth residents on
Friday afternoon • Mitchell, Prem- .
ier Drury dealt wl the "broadening.,
out" issue, and a briefly with the
O.T.A. and the its of the Con-.
servative leader,. n. G. Howard
Ferguson, to find a4me means of im- '
proving it. Other. speakers were
Hoa- Peter Smith, Provincial Treas-
urer and member 'for the riding; W.
Forrester, Liberal, i, y 1. P. for South
J
Perth; and Rev. J. W. Uren, while
Mayor Campbell welcomed the vis-
itors.
Premier Drury '- attributed the
controversy betweei Mr. Morrison
and himself on the `''broadening -out"
question partly to a misappr ten-
sion on Mr. Morrison's part as to
what he wished to ase dune and part-
ly to a difference of opinion. That
could not be recons ed. Mr. Morri-
son had a right to is opinion, just
as they had to theirs and he to his.
"I find Mr. Morrison has accused
me of opposing the farm organiza-
tion," remarked Mr. Drury. "There
Mr. Morrison is misinformed. 1
notice that, speaking an Wednesday,
he said it was moat humiliating to
be told that farmers should not have
a class organization when merchants,
manufacturers, teache rs, newsboys
and even bootblacks were organized
classes. No one told Mr. Morrison
that farmers should not have a class
organization, let alone myself. I
worked for that organization, I work-
ed in that organization, 1 am a mem-
ber of that organization, and there is
a place, and there must he a place,
for a successful, strong and aggres-
sive farm organization. And because
it is a farm organization only, you
will not take in those who are not
farmers.
"But there is another thing. You'
entered into politics and you elected
a Government. That Government
cannot be a class Government. 1
have no faith in anytlw.g to be got
fur any particular class in the coun-
try by class consciousness; but I
have faith in the gric•vauces, ill the
needs of any class being put before
the whole jury of population, on the
one ground of justice.
"My belief is this, tl:nt when_the
farm organization enZeed-into poli-
tics and elected a Got• rement, that
that Government was -opposed to
govern for the whole people, and
that, governing for the %chole people,
it must appeal to the s :yywrt of the
whole people or go down."
Continuing, the Premier said Mr.
Morrison had been rely' rted as ask-
ing, "If they had to have• a coalition,
why not have a true coalition, with
every party represented?" Mr. Drury.
however, "begged to he excused" if
he was expected to form a Cabinet
on these lines. .After some joking he
declared: "The thing is too ludicrous
to bear inspection. The fact is that
you have got to have a Government
and an Opposition. We get along
without government and opposition
in the township councils, in the town
councils and in the county councils,
but they are so close to the people
that the people can watch what is
going on, and if things are not going
as they ought to they are quick to
tell the council about it. Take the
case of a Parliament administering
a territory greater than the British
Isles, administering for a population
of three millions, administering com-
plex matters: lake a c ase where every
group is represented in the Govern-
ment, why there is no opposition.
there is no debate, ;end what would
you get? I don't care how perfect
your Government was, I don't care
how good the intentions of your Min-
isters were, under the pressure of
public administration there would he
bound to be deteri.,ration and care-
lessness."
BROWSING 'ROUND
Sarah Gennnell said to me til,,
other day in Egrmmdville: "Bill, do
you ever fill your corncob?" It was
an interrogation, but it suggested.
So I have filled the old corncob, and
if you will wait :r minute or two till
I get a match, Sarah, I'll say some-
thing between tine smoke ringlets. An
old corncob filled with good tobacco
and steam tip soothes the nerves and
puts one in good humor with myself.
She's lit; so here g••es.
Browsing 'round, I took a walk up
Egmondville hill Monday morning,
August 7th. Ju=t one cellar is left
of the old habitations that dotted the
hill in my boyheed. James Ryan's
house stood over 'he cellar. Jim was
a shoemaker, and. like most of the
Knights, of Si. t'rispan, a bit of a
philosopher, and an admirer of poets.
One day the were -sitting on the old
bench in front of John Daley's ho-
tel. A beautiful hard maple stood
across the way, at the intersection of
the Mill and the I:ippen Road. .Tim
pointed to it and recited "Woodman
Spare the Tree." f wished that he
had done so. To me, a boy still with
a boy's vision of the long ago, I felt
lonely and kind of sad because that
tree had been cut down. I wonder
if James Ryan, could he return,
would he have felt as I felt at the
passing of an old friend—just a tree.
Jake Schmidt's frame house has
been replaced by it nice brick house.
The old school is gone, too, a red
brick house stands nearly in the same
spot that it stood. Time has scat-
tered the boys and girls who played
in its grounds, and as James Whit-
comb Riley has it., "the frost is on
the pumpkin," they have grown grey.
To me, they are boys and girls still.
for years pass on into time—we are
ST. JOSEPH'S
SCHOQL OF MUSIC
(Affiliated with Toronto
Conservatory of Music)
Pupils prepared for
examinations in Piano,
Violin and Vocal Music,
also Theory and Harm-
ony. Classes open on
September 1st. For fur-
ther particulars apply
St. Joseph's Convent
next the school is gone. Nowadays
we sleep with open windows, because
fresh air is good for us, and we feel
in the mornings like running around
a five -mile block. In the good old
dc's in that old frame house open
wihdowa were needless. Any night
one could look between the place
where the cap board should have
been and see the milky way, and the
dipper, and the bear, and the moon
full or half -full. Fresh air! lots of it.
The house that was occupied by
Mr. Hicks, the school teacher, is also
gone. And the C'umming's house.
Here I got nixed. A brick cottage,
the last of the row on that 'side of
the road, confused me. Across the
way is the Janes Rolland white
brick, a new one to me, on the lot
where James Ryan's house stood. The
Bristow property is now dotted with
a white Krick, and a new house to
me on the south of it, about where
Mr. Shafer's log house stood. Debris
fills the cellar of what was once
John Daley's hotel, but the old well
is still there, although an iron pump
takes the place of the old wood%n
pump that quenched the thirst of
many an old hey and girl, who at-
tended Egmondville school, and get
a lickin'.
Up the Mill read many old houses
have disappeared, for Egmondville
was a busy little spot. The Buehler
houses and Colbert's still stand, the
brewery is dilapidated, and not a
mark is left of the little Lutheran
church. -
The pottery is now a butcher shop,
the tannery stands still, the grist
mill, Sam Hill's tannery, also Henry
Wieland is all that is left of the
cooper shop, and he is considerable,
though small. Fulton's wagon and
blacksmith shop are silent from the
hammer's clang. Tom Hill's shop
alone remains, as' it was long ago,
when n that sturdy little Scotsman
of stock er something of that char -
across
keeping with the needs of agpicu tug{
Unfortunately, however, the phras
means different things' In differdent'
places, and, therefore, conveg$ 't As,
ferent ideas to different minds. Aa
far as Ontario is concerned it sefere
to two, or perhaps three, pieces Of
legislation adopted on the reeommen-
dation of the Minister of Agriculture
at the Session before last and now
being worked out. None of this
legislation carries the specific title of
"Rural Credits" but all deals with
the subject. The legislation includes
provision for long term loans on
farm property, for short term loans
for farmers and for the handling of
savings as a basis of financing the
other two nseaaures. The former two
Acts referring to the loaning of
money are administered under the
Minister of Agricultural Development
Board, of which Mr. A. G. Farrow
is chairman and chief administrating
officer, The Finance Act providing
for the system of savings is admin-
istered by the Provincial Treasurer
with a Director, Mr. M. E. MacKen-
zie, in immediate charge. It is the
purpose of this article to explain
briefly the nature of these measures
and their relation to each other.
As u matter of fact each is separ-
ate and distinct and may be so con-
sidered. I{ence we will take first
the system of Long Term Loans. This
system, after less than 10 months
operation, has already placed over
11,000,000 of loans with the farmers
of the Province, and this is evidence
that it is proving useful. Under this
system money is loaned for any one
of the following purposes:
Acquiring land for agricultural
purposes.
The erection of farm buildings es-
sential to production.
To pay off charges existing against
•(and at the time of acquisition by the
borrower under a will or by descent.
To pay off encumbrances, in which
case loans shall not exceed 40 per
cent. of the valuation.
Fur the purpose of providing tile
dral,.age.
No single lean can exceed 112,000
butwithin this limit up to '05 per
scent. of the value of a property may
be loaned with the exception of loans
to discharge encumbrances which are
limited to 40 per cent. Application
s made to the Board and careful in-
spection of the property is made by
an officer of the Board before a loan
is passed. it is necessary for the.
Board to safeguard the public as
well as be fair to the borrower. In
pursuance of thi; principle all ap-
plications are not granted. Many
have been refused on account of be-
ing for purposes which did not come
under the Act, such as the discharge
of notes on a hank, or the purchase
pounded the red iron, eackeon's store acts r outside of the purposes men -
congregate
the way, where we used to tinned. In a few cases loans have
rongre gate at nig same he hull bunch been refused because of lack of
of us, loons he same, but not as confidence in the applicant or lack of
Lust' it in the old greatet when Eg- • confidence in the property offered as
mondyille was the Metropolis
of the Valley of the Bayfield River.security.
Dunt you thins so. moderns? There I
were four hotels in Egmondville at
one time, more than Seaforth has to-
day.
Andrew Smith's harness shop is
now a residence. In Aylmer, Maggie
Snaith, now Mrs. Dr, Fear, and our
folks, worshipped in Knox Church.
John Ste't's shoe shop Inc there, but
the old shoe. maker Inc gone, and he
and Jim Ryan, up in his >oth plane.
mayhap talk of John A. and Alex-
ander MacKenzie. If they got 11.1
or 115 a pair for the good French
calf hoots and shoes they made for
the omen and women of Tuckersmith
of the yesterday, they could have
played Henry Ford to a show clown
on cash propositions.
Louis Fleurchuctz said to me: "Mrs
Sleet is dead. Let us go to the fun-
eral." "Sure," i answered. She was
of the good old Scotch pioneer stork
that cleared the sylvan lands of
beautiful Tuckersmith. Ninety-three
years at her passing, says more than
I could say if I filled every column of
The Expositor. So we went. And
in the midst of his sorrow, 1 met m:
old chum, Billy Stent, editor of the
Pietnn Times it is 37 years .ince he
This plan, however, has proven ae-
ccptahle to the farmers as shown by
the demand, and this fact is possibly
due to two facts. First that money
is made availahle, and second, that
repayments are made on the amorti-
zation plan. The fact that money is
made available is more important.
than may appear at first sight. War
loans and, Victory bonds have at-
tracted largo amounts of money from
Rural Ontario which formally went
into fare mortgages. Then under
the amortization plan repayments are
divided into equal annual install-
ments of principal and interest and
spread over a period of 20 years,
Tinder this system and with interest
at 0 per cent.. which is the rate be-
ing charged, a borrower is required
to pay €17.15 per annum per 51,000
borrowed. This wnnld discharge the
mortgage in 20 years, but the har-
rower has the privilege of paying all
or any part after the third year. In
the experience so far it would Seen
:that this appeals to many desiring io
purchase farms because it gives them
a definite financial basis to work on
and they are able to plan their op.
orations accordingly. in some cases
and i parted at Seaforth station, and which have come to the attention of
it is 35 years since he and T met in the Board, the annual payments are
the office of the old Toronto World. loss than the borrower formally paid
Nn hop ever left that station of as rent. Many of those purchasing
farms under this system have been
farmers' sons or former tenants.
Farmers' sons not infrequently pnr-
Geo•ge from Saginaw. Many of the rhnse from their father and ine.ari-
sons and daughters of the olrl pinreers ally have parental assistance in get -
were at the hone and the graveside. ting established as a land owner un-
would have known lots of them from der s fixed reasonable system, so
their sire and mothers. Years have
changed them, youth has departed
and many of them look like twin
brothers and sisters of their parents,
long since passed on.
Mrs. William Murray, in her 92nd
year, T believe, was rat.. the hone.
Nearly fifty years have came and
gone since her boys and girls and 1
were sehonl nates in the eId log
school house at Chesney'.s Corners,
now No. 5, Tnekersmith, thin school
section No. 11. T promised Pare
Chesney, a year ago, I would write
of old days in the log school. FR
keep my word, Pare, some of these
days, not far away.
My corncob, T relit it a couple of
times since writing this letter. It's
empty again. So long; till I fill it
again.
BILL POWFT.T..
RURAL CREDITS iN ONTARIO
truer metal and worth than Billy
Strut. T know. Tom SI . 1 was hone
at the funeral from Meaford, and
"Rural Credito" is a phrase which
has attained a large and general sir- New Ontario and it has been found
ctnlation in recent years. it refers to that cleared land of good fertility is
still boys and girls. . the efforts made to provide the addi- always in demand at prices that con- in the chain of the "Rural Credits"
The old frame house we lived in tional financial facilities more in pare favorably with prices in Ontario. in Ontario.
that they may plan nut their future
with reasonable Security for many so far as the acceptance of deposits
years. or..; :s so far as,gheques may be is -
Apart from the purchase of land, sued against such'deposits in the us-
hewever, it will be noted that loans nal way. They do not purport, how -
may be made for several ether per- ever, to do a "banking" business in
poses, including the erection of build- any other sense. These offices do
ings. This hes proven a great boon rant make any direct or individual
to many, nepecialty in Northern On- loans lender the Act under which
tarin. Tn n new reentry a settler gets they operate all monies taken in on
o clear title 1n his land before hr has deposit may be invested only in bonds
any buildings, and lumen many cases or debentures of Dominion or Pro-
hsve cnmr to the attention of the vincial Governments. All monies are
Board of min who have nothing n- invested in this way and there is,
gainst their land, lint have not been therefore, absolutely no possibility
ably to get enough ahead to erect of one dollar of money deposited in
proper buildings. They, therefore, any of these savings offices being
welcome an opportunity of borrow- lost through any investments. Moo-
ing from the Board for this purpose les received on deposit in this way
and thus enjoy the additional corn- are invested in bonds of the Province
forts of a home or additional ad- of Ontario. and the Province of On -
vantages and profits of a needed darn tarso in turn purchases bonds of the
nr stable while they are making the Agricultural Development Board or
payments. Careful inspection has makes loans to the local Loan As -
been made of farm property in the sociations. Thus the Earns loan sys-
different districts which comprises tem is financed in security to all
concerned.
Thus then are there the three links
• 'Talk ,toil
lefts 'Lams i6 i
simple dyiTtem o slf(fle'
to the Agrteuiturtll
hoard, Toronto, Shbtt.
are. not made in. this '9I
matter of Losg Tapas'Lf
is the basis of seciaritV. - In
Term Loans, character is very.
the basis of security, and no*
office could be expected. to Itataa
on loans varying from ,4iQ0 to $'
to individual's ;ter
over .the Province. i being tigW
case, the system provined ander
islation now in operatloq re uiredt
the formation of a local association:
Such an associationshall include' At
least 30 farmers who shall subscribe
for one share of stock worth $1110 and"
pay $10 thereon. Stock' equal to -
one -half the amount subscribed by
farmer members has to be taken by
the Township Council ' and the. Pro=
vincial Gover•nmerit. Then the mem-
bers elect a President, Vice -President
and one director, and the Township -
and Government respectively name
two directors each and this Board of'
seven directors thereafter passes np--
on loans. After an association
once organized applications for loans
are dealt with automatically from
time to time, and the system has
been found to work well in the dis-
tricts where it has been tried. Nobe
of the officers of an association re-
ceive
any remuneration for their
services with the exception of the
Secretary -Treasurer who receives a
nominal sum.Loans may be passed that
practically almost any farm need. At
the present time the rate of interest
is up to $2,000 in any individual case
for 61/2'i. All loans are nominally
repayable on the 31st of December in;
the year in which they are granted,
but in practice a loan is naturally
renewable unless the purpose for
which it has been made has been com-
pleted. The following local Farm
Local Associations have been formed
up to the present time.
Nassagaways Farm Loan Associa-
tion, Halton County.
Sault Ste. Marie Farm Loan As-
sociation.
Glanford Farm Loan • Association,
Halton County:
Nelson Farm Loan Association,
Wentworth County.
Ekfrid Farm Loan Association,
Middlesex County.
Howard Farm Loan Association,
Kent County.
Balfour and Rayside Farm Loan As-
sociation, Sudbury District.
Cosby and it4aitland Farm Loan
Association, Sudbury District.
Roxboro Farm Loan Association,
Stormont County.
F,squesing Farm Loan Association,
Halton County.
Toronto Farm Loan Association,
Peel County.
Seneca Township Farm Loan As-
sociation, Haldimand County.
Downie Farm Loan Association,
Perth County.
As will he seen, these are located
in all sections of the Province, East,
West and North, and a study of the
persnm,rl of the Associations reveals
the fact that some of the very best
farmers are members. Assistance is
rendered 1) the Agricultural ilevelop-
nient heard in inspecting organiza-
tions where requested to do so, and
some supervision will naturally be
extended over collections and renew-
als, hut this part of the work has
not yet been reached as the system
has only been in operation a few
months. The plan offers further
facilities so that farmers have the
advantage of an alternative system
as well as the advantage of the
steadying effect of the interest rates
fixed in both cases. The number of
Associations turned in so short a -
t.ime is considered very satisfactory,
and further associations will no dnuht
he formed as the plan becomes known
or as the nerd is felt.'"
Supplementing these two lending
plans it was, of course, necessary to
provide where the money was to come
front. Several alternatives were
available but the Government decid-
ed to open offices for the acceptance
of deposits on which 4'% interest
world he paid, and thus thrift en-
couraged as well as money- made
available for the necessary proper
financing. Under this legislation,
savings offices have been opened in
many sections of the Province and
ever 12,000,000 has already been tak-
en of deposit. These offices have
sometimes been erroneously referred
to es "hanks " They are not hanks
in the ordinary sense of the term.
They parallel the system of hanks in