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HomeMy WebLinkAboutThe Huron Expositor, 1935-08-09, Page 33�= ii n r AUGUST 9, 1935.1, WhpNot aLegalClinic? (Condensed from Consumer's Research in Reader's Digest.) What is a man in any large city to do Who needs legal advice and can't pay for it?Perhaps he buys an automobile secondhand, or has oc- casion to makea lease, or wants to take out insurance, or, to make a will. He cannot afford legal advice an the scale charged by the average attorney; yet he does not want char- ity. The time seems ripe for the es- tablishment of legal clinics to cor- respond roughly with medical clinics. One lawyer has had an interest- ing experience. along these lines. He was unable to attend his office, but unwilling to sit at home doing noth- ing. By chance, he came into con- tact with a number of people who re- quired legal advice on small prob- lems, and developed a special proce- dure for helping them. With a view to aninin'rlizing overhead by avoiding •stenographers' wages, clerks' salar- ies, and bookkeeping expenses, no in- ..struments were drawn, except simple wills; no conferences were held with either attorneys; no litigation. con- elucted; there were no appearances in court; no credit was given, and so there was never any loss from un- eollectible accounts. The work consisted solely of con- eultatlions with clients, all of which were held at the lawyer's home. The clients Simply 'came, paid one dollar as a retainer (in order to discourage wasting time over trivial questions), and stated their problems. After the •consultation the client Was charged as mush more, up to ten dollars the hinhest fee charged—as -the 'advice -warranted, and the client could pay. Every effort was made to insure that no work was done for clients who were able to pay the usual charges sof established lawyers. These conferences revealed the lay- man's lack of knowledge about some of the most elementary legal rules. erre man, who was arranging to buy a secondhand auto'mobile' was aston- ished to find that the bill of sale had lio validity unless the seller had title to the car. At the suggestion of the lawyer, he telephoned the finance company through whose assistance the car had been bought from the manufacturer, and ascertained that there was still $44 of the purchase ,price unpaid, though one of the se1- 3er's representations had been that -the car had (been paid for in full. This :difficulty seemed an insuperable ob- stacle to the purchaser, until it was suggested that he make his payment in two cheques—one for $44, which the seller was . to endorse to the fin- ance company and give to the pur- chaser (who- would mail it to the fin- ance company, thus completing pay - anent for the car), and the other for the balance of the purchase price. Many clients were completely un- acquainted with various business tricks and practices. The following is an instance: A mechanic who has done a repair ,job on an automobile was paid by -,means of a check drawn to the order of cash. This cheque.was drawn by !some third person and delivered by the car owner to the mechanic. The mechanic deposited the cheque which however, was returned by the bank because of lack of funds in the mak- er's account. The mechanic then went to the car owner, told him that the cheque had not been paid, and asked hint for payment for the work. The car owner, feigning great indigna- tion, asserted that he had , already paid in cash and .would not pay a- gain. Had the mechanic insisted on ATH LETE'S FOOL' Golfers, Bwlmmers, tennis and ball players Buffer from athlete's foot. All who want much have aching, stinging, Itching of the feet and S toes. Applied after warm bath Dr. Chase's Oint- ment adheres to 'the irri- tated akin and quickly soothes and relieves. In tube or boa. the car owner's endorsing the cheque even though it was 'drawn to the order of cash, all diffieulty would have been avoided, as the endorse- ment would both have identified the man who gave the cheque and oper- ated as a guarantee of payment. The mechanic had never understood the necessity of endorsing cheques, and after the effects of endorsement had been explained to him, he left say- ing he- would never again be tricked in that way. Another sphere in which people are extraordinarily unfamiliar with matters that concern them vitally is that of insurance. For instance, in these times of diminished incomes and uncertain jobs, the likelihood' of forc- ed defaults in the payment of insure ance premiums is considerable. The lconlaequences of default should be carefully explained to a client before he makes any commitment. As lit- tle as possible of the premium shbuld be used to pay foe any fonm of in- surance which will entirely lapse in case of default, and as much as pos- sible of the premium should be used ler some form of policy which will not lapse in case premium payments are discontinued. Moreover, the provisions of a Vol- ley are often not understood. In. one ease a widow was clearing 'out her late husband's papers and came upon an insurance policy on which no premium's had been paid for more than 15 years. She was about to throw it away when the lawyer sug- gested that she commyrnicate with the .insurance company which issued the policy. This she did, and found that while the policy had lapsed, premiums had •beenpaid on it in the beginning so that it had a paid-up value of over $125. By 'filing proof of death she was able to collect this money. The fact that lapsed poli- cies often have death benefits, if not cash values, is something very few people seem to realize. One case which illustrates the ad- vantage of being advised in advance is the following: A man wanted to sell his Ford and to apply the pro- ceeds on the cost of a new Plymouth. He had been offered $175 for his Ford ,by a half-dozen dealers, when along came a dealer who offered to allow him $200 on the Ford and agreed to take it in the fall of the year, and sell him the Plymouth the following spring, thus saving him .,six months' garage charges, as well 'as ge ing him $25 advantage on the market price. Someone sent him to a lawyer before the transaction was con•summated, and he asked whether he would not be perfectly safe in entering into it,, The lawyer asked him whether he would be willing to, lend ,the secondhand dealers $175 in cash and he said,. "Of course, I wouldn't. I don't know anything a- bout him." It was pointed out to him that the transaction, cleverly disguised so that its operation would not be apparent, was really a loan of $175 by him for six months to the dealer, since the dealer would im- mediately sell the car and pocket the money. In the spring, the dealer might or might .not deliver a new Plymouth: Had the client not been advise ,i d, he would probably have lost the proceeds of his Ford entirely, as the dealer happened in this case to be completely irresponsible. It is true that the Ford owner could have brought suit, but he would still have been gut of pocket. • The time to seek legal advice is before one enters transactions that may get one into trouble. If advice were obtained in time, it would go a long way toward eliminating • the fraud which victimizes so many peo- ple who lack the necessary business experience to take care of their af- fairs. The problem has two aspects: (1) to make people aware of the dif- ficulties in which they may involve themselves; and (2) to interest lawy- ers all over the.. country in the prob- lem so that sound legal, advice is available for a charge the clients can afford to pay. The profession at large should give consideration to working out a generally applicable plan. few CORN FLAKES • OVEN -FRESH • FLAVOR -PERFECT k;.;;;;%.. _ 11 0115.44 . -PaSSiiA. 4,t. J ' TAKE advantage of a real food bargain! While the Great Summer Sale lasts you can buy Kellogg's Corn Flakes at a genuine saving. Greatest value of the year! Order several packages from your grocer today, and give your family a change to coolness! Crunchy, de- licious flakes, oven -fresh, ready to eat with milk or cream. Good any time. Nourishing. Easy to digest. Quality guaranteed. Made by Kellogg in London, Ont. Buy now and save! l s « i�atsi FREE AIR (By Francis Rufus Bellamy in Reader's Digest,) t. To most of us, the "power of an idea" seems merely a shiny, thread- bare, out -at -elbow phrase. So it ii. until you meet an idea at work, Sixty years ago a Union Seminary student went to New York's East Side for his .first pastoeate. Two years later he was called to the lit- tle- tower of Sherman in the beautiful ,Pennsylvania hills. He loved the woods and brooks of the country, so he went. Once there, however, the difference between childhood life in the tenements and in the country struck him like a blow in the face. He preached his first sermon on the text, "Inasmuch as ye have done it unto one of the least of these my brethren, ye have done it unto me," As a result, 60 children from the East Side were invited to spend a summer vacation in homes around Sherman. Sd great was the popularity of the visitors that the next year 1000 were invited—and railway fare got beyond the purse of Parsons and his congregation. -One day he walked in- to the office of Whitelaw Reid, the owner of the old New York Tribene. "I want to start a Fresh Air Fund," said Parsons, "and make it a yearly .thing. !I want everybody to join me in buying a child a trip to the coun- try. ;I'll find the homes -4f you will give .• people the chance to send us the money for the railway fare." Reid could—and did, He put up the money. hineself for the first tickets and gave the project free space in his paper, (Since then 682,224 city children of every race and creed, ranging in age from six to sixteen, have had sum- mer vacations in New England; New York, Pennsylvania, New Jersey, ;ev-' en as far south as Maryland.. That first inspiration of Willard Parsons is still going strong. Last summer, despite the depression, 14,023 boys and girls received refreshing rural vacations and canoe back to their struggling• families better able. to face tenement life. To accommodate this small army the Fund secured the hospitality of 9,327 individual homes in nearly 500 country com- munities called Friendly Towns. In addition there were eight Fresh Air camps to take care of the overflow. These camps, however, are intended only to supplement the homes. As far as possible the Fund adheres to Parsons' original plan of placing children under the roof of individual families. In some towns homes have been open to Fresh Air children for as long as 35 years. One county in New York has taken care of 500 children for two decades. Until he died, Parsons selected the children, first from his original par- ish, then from settlement houses, and finally from hospitals. Now 200 so- cial service organizations, in touch with children who neett fresh air most, make the selections. Ninety per cent. of the Fresh Air children last year carne from families on re- lief, (Most were half starved, a few on the verge of blindness, some al- most speechless: undernourishment plays strange tricks. Avoiding the imperslonal attitude that mars so much charitable work, the Fund wisely makes local commit- tees in the Friendly • Towns respons- ible for. the character of the homes chosen. Every April field workers help find these homes, and then when summer comes the Fund simply de- livers the children under escort and sees that they are brought heweeeee gain. Usually three to a family is the limit. Two weeks' board is giv- en free by the family. II -Fence trans- portation is the only expense involy- ed in providing for children who go 1e individual homes. The railroads sell tickets at a fourth the usual rate and the cost averages $5 per child. Money to cover transportation and other expenses is raised through a newspaper column that keeps the public posted and interested. Last year 7,156 persons contributed a- mounts ranging„from `a dime to $2,- 000. To endow a vacation for some child inperpetuity requires $200. The Fund acts as trustee. There is ov- er $100,000 in the endowment- fund now: To anyone who sees the Fund at work there is humor as well as pathos in this yearly hegira of New York's tenement children.. to the country. They come from Clark base- ments below rubbish -littered steps, from dirty coalbins and scorching at- ecs, from the sidewalks themselves• from homes stripped of furniture, where electricity- and gas have long :,.ince been turned off. Clothes thread hare, patched, in tatters. Old lace curtains sometimes provide the only dress. The boys must often be sup- plied with an outfit by- the Fund he - fore they can appear in public. They return from the country- a cheerful crew, bearin"flowers, shrubs, vege- tables, rabbits, chickens, ducks, ev- en mice. Often friendships result and vaca- tions are prolonged or repeated year after year. There is the six-year-old Irish girl with smiling eyes sent to e naval officer and wife for the us- ual period. Attachments began, the child stayed the summer and the family ,asked permission to have her for a year. Then the officer was or- dered to Samoa and he sought•adop- tion. It couldn't be arranged, but the Fund did secure a special dis- pensation and the girl went off to Samoa for two years. She Will re- tdrn through the Suez Canal, tour Europe and be deposited back iri New York after a glowing experi- ence her parents could never have given her, There are hundred's of other im- pressive cases. Anna, a frail Greek girl, went; to Virginia. After her fortnight's stay, her hostess began to worry and asked to have her back for the winter. She returned for more sunshine and medical care, and she's there now, healthy and wise. Another child was cured of incipient epilepsy through 13 months of sun- shine andnourishing food in upstate New York.. It• -,wasn't an impersonal cure, but one carried on With the lov- ing attention of a woman Who had i r:: THE HURON RicrosrroR 0 Igor a lonely skin freq. frotn FRECKLES Use OTH I E '."(Double Strength) At ill, teading.Drug;and Dept. Stores Boys and girls have gone through college as a result of such contacts es- tablished. One lad recently gradu- ated from Cornell Law School; he was seen through by a family he had gone to years ago for a two weeks' vacation. Thousands of vacations have been extended all summer and many children are invited hack, for the winter. Even when adoptions do not result or children do not stay permanently, a huge correspondence goes on to keep the relationships a- live. Books, magazines and (vege- tables have been coming to children on the East 'Side for 11 years from one family (in Pennsylvania, For the past 22 years the Fund manager has' been Leslie M. C'only, .one-time human interest reporter on the Tribune. (Willard Parsons' idea has taken possession of him com- pletely. "To tenemient children," he says, "tenement life is the normal life; tenement ideals the normal ideals. Ars they grow• up, establish homes and rear children amid the same conditions, they continue life on the same basis. Fresh air vaca- tions (pick out thousands of impres- sionable boys and girls and set them down in a world of contrasts. They watch their •hosts with the interest of a sociologist. They meet a new sort of humanity which takes clean- liness and order and decency in 'liv- ing as a matter of course, which has ideals and ambitions, which is Am- erican in spirit and self-respecting in habit.” What of the hosts? ' If the hun- dreds of letters to the Fresh Air Fund prove anything, the hosts get more out of it than their guests do. "One of the finest experiences of our lives" is a phrase that recurs con- stantly in their letters. • The movement 'started by Parsons spread: fresh air holidays began in European ;cities. London and Glas- gow called Parsons in to advise how country fortnights, as they are call- ed there, should -be conducted. In several American cities newspapers sponsor funds. Rotary and Kiwanis carry on similar work. Thus the genius of the idea Par- sons had lay not solely in its hu- manitarian nature, but in its broad applicability. It will work wherever there is decent impulse. IVfany- gifts come to the Tribune Fund and other funds as a result of community and group action. There are benefits held by friends and friendly organiz- ations. Small boys and .,girls hold candy and lemonade sales. Older ones give shows. Clubs make up purses. It is a big enough idea to cover ' e world, yet the smallest conlmi n- ity or the smallest person can have some part in it. Cheese Marketing Plan . After protracted study and consid- erable amendment the scheme for regulation of • the marketing of cheese in Ontario has finally been ap- proved hy the Dominion Marketing Board. Under the Natural Products Marketing Act the Ontario Cheese Patron's '.lfarketing Board, with head- quarters at Belleville, will constitute the local hoard for the purpose of carrying out marketing regulations.. With a personnel of five, the pro- visional members of the board are named as: R. H. Mayberry, Inger- soll; E-. J. Pyear, Stirling; George Gardiner, 'Sealey's Bay; A. W. Mc- Intyre, Finch, and F. Bertrand, Ham- mond. S. L. Joss will act as secre- tary. SUMMER SUPPERS If you live not too far from a green hill, a .public pays or a lakeside pic- nic ground, be sure to. plan summer suppers that• can "take legs and walk"—evening- meals which fit into a basket quite naturally, which look and taste their hest out-of-doors. Then if supper time finds the chil- dren restless and the long road in- viting, it is only the work of a mom- ent to pack a basket and an every- day supper becomes an adventure. Many of the so-called one -dish meals are especially suitable. Scalloped potatoes with ham or Canadian bac- on are a favorite in many families. Swiss steak with rice, spaghetti with meat (balls, meat loaf with• potato sal- ad, or any of the fish, mean or egg 'salads with sandwiches, lend them- selves to last minute transportation. Salads of greens, alone or in com- bination; relishes, such as row car- rots, radishes or celery hearts; toma- toes sliced or stuffed are accompani- ments which like to travel—if not too far. Bread, either' as sandwich- es with a variety of spreads, or buns or rolls with butter, are practically a necessity. Assorted cookies, fresh fruits, a, home baked cake, honied krispie balls are suggestions for des- serts which take to the road. With cool milk from the thermos jug for the children and lemonade for the whole family, supper is complete, and there is still time for games before the sun sets. - Here are' recipes for the krispie balls and a,few simple cookies: Honied Krispie Balls 3 cup sugar % teaspoon salt 3L cup water % cup honey 2 pae'kages rice krispies, Put sugar, salt and water into a saucepan and cook; stirring until the sugar is dissolved.... Boil until a tem- peratune of 800 deg. F.' is reached (very brittle). Add looney. sirify, until thermomete,.r register;' 240 dog, F. (about one minute). Pour over nee Ikrispiesi. 'While bet drop by spoonfuls into Cluttered cups, ler miaf- fin tins or form into balls. Or press into buttered pans and when cool cut into bars. Yield: 16 belle or bars. Bran Honey Orange Squares 1 tablespoon shortening 1-3 cup honey 1 egg, well beaten 1-3 cup bitter orange marmalade 1-3 cup bran 1-3 cup flour % teaspoon baking powder 4 teaspoon salt 1-3 cup ..salted almonds, chopped. Cream shortening and honey. Add egg, marmalade and bran. Sift four, baking powder and salt, add nutsand stir into first mixture. Bake in grs d tin (8 x 8 inches) in mod- erate o (375 deg. F.) for 2'5 min - tees. Cut n squares. (Roll in pow- dered sugar. Yield: 16' two-inch squares. • Soft Molasses Cookies % cup shortening 1 cup sugar 2 eggs, well beaten 1 cup molasses 1 cup bran flakes 4 cups your 1 teaspoon soda 1 teaspoon ginger 1 teaspoon cinnamon 1 teaspoon salt % cup sour cream. Cream shortening and sugar thor- eughly, add eggs, molasses and bran 0 flakes. lift dry ingredients and add to first mixture alternately with the sour cream. Place in refrigerator and chill overnight. • Roll a small part of the dough at CHOOSE THE EC HOTEL 750 ROOMS—RATES $1.50 to $2.50 SINGLE NO HIGHER NOMICAL EASY PARKING FAWNS U. Ford H.' ..1, -. TORONTO -MONTREAL a time, cut and Crake , in a oven (375 deg. F.) fol'. about' utes. Yield: About 2% dozer*' cookies. DERN, FIR CONVENIENTLY LOCA D 750 ROOMS -RATES $1.50 to $2.50 �_ jun j „_� SINGLE NO HiGHER. 1�R1:'":�? R. FREE RADIO IN E'.CH ROOM 1 I ONTARIO FARM LAB0: AVAI LABL SINGLE UNEMPLOYED MEN ARE PREPARED TO TAKE JOBS ON FARMS - FARMERS Who Need Harvest Help Should Ap- ply to -'the District Employment Office, Agricultural Representative or Relief Inspector, or Di- rect to Public Welfare Department, Parliament Build- ings, Toronto. Transportation Arranged if Necessary. Your Co -Operation is Requested ' ONTARIO DEPARTMENT OF PUBLIC WELFARE. • ONTARIO DEPARTMENT OF AGRICULTURE. ONTARIO DEPARTMENT OF LABOR. ONTARFO is �`:`•> SOAP PRICES ARE RISING BECAUSE SOAP MAKING MATERIALS HAVE DOUBLED IN PRICE. IT WILL NOT BE POSSIBLE TO OFFER THESE'QUAL- ITY SOAPSATTHESE LOW PRICES MUCH LONGER! THESE COLGATE-PALMOLIVE SOAPS AltE NIGH IN QUALITY LOW IN PRICE YOU GET MORE FOR YOUR MONEY! -PRINCESS SOAP FLAKES rine for' Silks, Woolens or Hosiery. Money Back Guarantee. 17 Large Package Try a Package... if not entirely satis- fied we will refund your money. MO [VERY HOUSENO10 WASHING PURPOSE PURE SOAP FLAKES CASTILE SOAP t c� , 0 CAS,T1L1' MADE FROM PURE 2 Cakes for PALMOLIVE SOAP 50 Keeps Complexions Youthful A CAKE or 3 far 1 4° Lathers perfectly in Hard or Soft Water. SUPER SUDS 100A PKGE. • Quicker for Dishes • Easy on the Hands • Advertised by the Radio Gossips "Clara, Lu & Em" BIG VALUE COCONUT OIL STOCK UP NOW LELYS Hard Water CASTILE SOAP Lathers in Hatd or Soft A CAKE Water. GET THESE BAYFIELD, ONT. G. W. Elliot R. W. Brown J. H. Reid . BLUEVALE, ONT. H. F. Berry BLYTH, ONT. Hall's .General Store A. Kernick BRUCLFIELD, ONT.•: H. F. Berry • W. Scott & Co. CLINTON, ONT. M. C. Jordan • Clifford Lobb Geo. A. MacLetnnon SOAP BARGAINS ON SALE AT THESE STORES J. T. McKnight & Son Mutch Bros. Wm. T. O'Neil CONSTANCE, ONT. Leo Stephenson EGMONDVILLE, ONT. W. J. Finnigan & Son HOLMESVILLE, ONT. D. E. Gliddon KIPPEN, ONT. W. E. Butt SEAFORTH, ONT. .T. M. Cardno J. J. Cleary " McGravin's Grocery Angus McRae N. Pryce A. C. Routledge W. R. Smith South End Grocery Ross J. Sproat SUMMERHILL, .ONT. T. Mason VARNA, ONT. .1. T. McAsh J. Mossop WALTON, ONt. W. C. Bennett D. Antis Humphries C41. WIYHR P, VV. J. • 11 ottlg$mei