HomeMy WebLinkAboutThe Huron Expositor, 1938-04-01, Page 6I
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'IMMIM1,151 I 11 0 � Uost of Mone Lending - I.. .
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`4'�12 �� ..... ,,'�'ts . (By Donald Lindsay in The Financial Post) , . . ,
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�y, ; ,�l , � � I � 11 101, . ga;Uon 1b7 the fedemf'banli- to guide legislators in the formati n . . I . - .
, 4 prce, cpmg Jttpe �
� .1 1�; .p of of an opinion , or' wilira constitut.-S I
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11 1?1,�� $ W*mWakle by small lojan compad- equitable c1harges. Experience in the . I -
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,�"11� �i,1;910 I" I J rMou .. ut Canada, coincident United States and of individual Caza� SEED CLEANIMN NTS -
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� 11 , `� `c �Plw Con- ,dia companies,must, therefore, be
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1 , V �`.`R, o, Attorney�,GeaerAl I 14.114A
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y.J�,;�: 4444 1 0'� . dri've '. against money-leudera studled . . " ., . '
�,�.��, ,�� :� .. 11 Seed cleazing plants have, been es-
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�� � . �10 to be charging exorbitant in- In in4estigations:',of charges made
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, 10 �`,, �', , , , , , .. - . . tablished in many eentres and , by
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..... ;4LZhZ1'? !�7. , raltes,bas, result,eol in the odious by small loan ' companies in the
l 16�,;,,, Q -,-111.1 �t ted States during the past decadA, their use the grain .being sown is
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4 .. - � rms "Loan Shark- a.ud "Shyloolk" Uni
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"I � . '�'' " freely featured in daily press it has been generally conceded that much improved, in quality and in free- ..
.,� �w. I *I,,,- � ng
�1111 �, I .. dom from weeds. These power plants ,I
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11 , !", �� � kea4ldnes. Wide publicity is. being three elements, of cost must b con. I
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f . i. '�"0 ��..'!.". *tL�l g . iven to the Ontari investigation In s-idered in setting I maximum rates.. nl)t only ,make an. ,excellent job of
I I'll �. I, 4, 11 M (4�`l ' , , - . I 0 grading the grain so as -to give a uni-
�, i, t , I ie cases Further, these three fundamental dds-'
, §,,�'tL ''� that prlovince, and, although V
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,%` p'. ".. -t entire- tinctions have ,been made in Eng III h
EW ��, . 8 form sample, but by use of the pro ' - I ..
......", , " . (bleing brought to light almos
;... 0 � per !40.reens and various attachments
, �� I - ��yl" ' : - ly Concern unincorporated lenders com-ion law for over 1,000 yeam.
,:11. ' ��'�� L . . ' . 11 the weed tseeds are Practically all re- I . I
....... . "Ill making small loans is under fire. The. are: ,
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q .11 , I �, 11 ..I ! press for Iegisl,a- 1. Cost of effecting loan. moved and it is possible to fairly, well
IM, ''I A. i'' " Some, nefqrmers. separate the different varieties of
� : ' - "to'makel-the Mnall lo dusiriless,
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't ... ,W ti . grain. The Government, assists in the
)l . oii, aj2 2� Cost of use of money.
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� " ' -illegal, but there 8�eems littis reaso 3. Cost of collection.
M.", � . �, purchase of these machines when
�11,�,, � to believe that such a m4,& would' - ' �. Cost of Loans they are used for cussom work. Up
, tthan did, the A n commercial loans the borrower .
Z-".. accompligh any mOre, to the end c;f'
I ;��'. � ,famous United. States "Eighteenth ,��.st be I. . position to supply the ' 1937 there were 63 seed I
� cleaning, pjants in operation and, last
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4"".. Amendment" or the Ontario Temper- facts required. by the bank and the
", , year'Over 700,NO bushels of grain
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I 1,11:4, ance Act -that is, result in imme.di-. Cost of -obtaining these facts (such as were cleaned and ,nearly 4% million
"I ;i,3: - ate. growth of bootleggers- audited balan,ce sheets, etc.) is paid Vdiffids of clover and grass seed; ll, -
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I 1.k., Legislation to restrict charges made by the borrower. In small loans the 794 farmers were served by these
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, � -ower is seldom if ever in a posi-
1 1 . i I , , . --by iinall loan companies is the goal bori
. - plants. There are many farmers in
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, of,the federal committee. In itsdrive tion to supply the nesessary assur. the vicinity of these plants who
I �11 I ittee al- ances, so that the.cost of obtaining miP'ht advisedly make -- of tbem
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.1 ,. toward this goal, the comma
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I I ready finds I If running foul 6f, -the such information falls on, the lender but there are yet many centreewherp, Last Thursday the National Flower exotic bloom flashed upon the eye. sell one and buy ra hly.� In these
_i 148bogey" of provincial and must be added to the charge on I
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% _1 � well I-- - ' cleining plants are -not available- and Garden Show oponed its gates to ' Here, at the Flower Show which days, when the material vildes of life
.� rights. An attempt will be inade, the loan; In the case of a small loan The ordinary fanning mill did good an enthusiastic crowd of flo lov- runs until April 2nd, one' seems, to thrOaten, at times, the Spiritual and
V !,�.' ing wer get very close to nature. In a mies- 'aesthetic It is -a source of deep, gralt-
11.1 1however, to obtain nationwide con-` these charges may include dmwi service in its day, and with the us,e ers. Those who went
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, 111. � � 4, trol of the business. Failing th1s, the at it chattel mortgage and investiga- of the proper screenings and adju3t- expecting Much sage, from the Right Honourable W. "Ification il;Ta tho National Flower and
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.. ,1� Dominion legislators must, ac-rding tion of the credit standiag of barrow- Ing the 'wind blast a good job can be were amn ed 'to find' th&t tWr great- L. Mackenzie King, P.C�, C.M.G., LL.D. Garden Show, should evoke the wide-
,, '�'-, I . to' � recexit statement by FIriance eT and endorsem I
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�.._, � I done with the fanning mill, but we est expectations were faT exceeded by M.P., Prime Minister of Canada, he spread and active interest it does
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1, 11:,;� Minister Dunning -ithdraw entirely The Federal Money Lenders Act believe a better job is accomplished the ' - says: . "A flower show -like a garrden throughout ,the United States
, I . ��.,. from the field,' leaving only the sE�t the maximum rate of interest at by the larger power unit. . gorgeous -blooms, tdio colorful I -is a Partnership between -man and Canada." and
I � .. � � . ( I � I Money Lenders Act setting statutory 12% per ahnum, but goes nb further I I plants, and the magnificent garde -us- -nature, the aim of which is beauty. I
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,1 ., , �. . _ interest rate -aximums." �, than this. There has been no final .1 - On every side One 'heaTd gasps of Them is an ancient Chinese proverb And evoke interest it does. I Never
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p.1- . . Judgment as to ,Whether servace astonishment as some beautiful and which says:
i . - mum to 3% per month, for the first . 'If you have two,loaves, before'in Canada has such a display
..� � Legislation Overdue charges, chattel mortgage fees and . . I I .
��z . ' $150 ,and, 2y2% for the balance to - ---
1". other leva ton borrowers can be . I ___
7 Whether the Dominion finds itself 00., Questioned as -the applica, I . -_ -
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I 11_:, leg -ally able to. control loan compan- regulated. under this, ac�t so for pur- tion of these rates to Canada, Mr. 0. � I ea that is � not only well" exposed to
.� poses of control of mm�l loan eom- . I 1� I I " �
ies' charges or whether the question I Henderson stated that he believed . . sunlight but adapted to the . opera- 0 1
. VInces panies it is ineffective. _�
, " t , Ernst -be, tblkea up by the prro ' But its very nature repayment by that the 3% maximum could be con- 15�:n .�� .- _� t1lonz of spraying, thinning and diar- Seen in the
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,.. individually, the fact remains that fined to the first $100 .with a lower - _� ___=_�_ vesting. 11 .
011 installmeat-the small loan must be . � . '
_41: Some .;�-
"'Isystem of small loan company rate for additional amounts. Considerable Study has been given
,. placed in a different catego�y ftom , . &�&� I `
I � legislation, which will set maximum - . to the type of wnod on, which quanti- ' . ,
L�l charg - CbIlection expenses I - I . ties of,qualityifruit am borne, and it Pa ers , ,
I 1; es, is overdue in Canada. the commercial loan, lenders -say. enacted the "Uniform Small Loan � % I - . I I "County
. -- are high, it is Ila (the United. - States, 24 States have . � P
� Law," establishing their ,own niaxi- r p.
. I As both federal amd Provincial cop � has been determined that the branch " I
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, . claimed, due chiefly to two factors: ,
E has been exercised to some ex- inur& rates in conjunction, as follows: L, bears ----- - --
.; trol k 1k
'. - (a) The great number of petty in� a diameter of fruiting wood a di. -
ll tent in the past and the companies In 9 States, 3%% per mouth. �So_ �P4. . rect relations�liip to the quantity and I , .
,�. . s�tallments and accompanying detail 11 . I (Continued from Page 2) .
..... I themselves have no general ass,ocia- In 12 States, 3% per month. quality of the fruit borne. In a close I
�,, I of entry on borrower card or redeipt, I. - -W -
. �, . tion, there are no 11 statistics in Canada lender ,company card and' record- In 3 States, 2%% per month- I I 11 I examination of a trulting tree.numer- Presentation and Trousseau Tea I
" . . � In Great Britain, there is -no specific ous lateral branches will be observed I
� 11 " 1, . . � �1�b 11 I when payment is Prompt; -all loan legislation, the Money ithout Effort might rot in ;:et cold ground. There tiliat' have made no terminal growth, Prior to leaving Seaforth the Joint ,_ I
N � � (b) The many follow-ups and chas- I :W
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I ":.. Lenders Aat of 1927 merely provid- is scant danger of this, however and that appear weak and stunted and Young Peopleis Society Presented
I!- ing of slow accounts, adjustments Many people have envied the gar- biggest crops invariably - come 'from show Only leaf -bud developruileat A Miss Swan with a hands-Ome; end tab- I
, I Ing that a court should presume in- I den, next door but because of lack of
", , .. I and readjustments -of budgets due to terest excessive and -the transaction . early ptanting� Pleas like sweet peas closer study will reveal that this V�boGl le and a pair of book-andu- Tilie of-
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I li cba.n-ging wants and varying emerg- time or &kill have decided that 11
I .� . harsh and unconscionable if the rate I make their growth in cool weather- was productive once but I.% now fruit- ficials, representatives of the Tqwrt I
1 � encies in bhe life of the borrower beautiful display -of flowers in their
I ,71 that affects and alter his capacity to 0-arged exceeds 48 per cent. per an- With most vegetables .it is advis- ed out, and will never again be ,fruit- of. Seaforth and Public Utilities Com- I
.. ", itum. This Iev6l of 48 per cent. is own, backyard is impossiblc� Some able to makel at least three sowings ful unless t1he tree is cut so, beavily mission. presented Miss Swan with a
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� 1. I . . . . . . . . . . . . pay and sometimes his willingnes not, a maximum; it is rather a turn- would like to have such a Showing tr week or two apart in order to Spread (which would not be advisable) as to generous cheque. - Clinton News -Re, -
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1. � but think the effort requires too much the harvest that much longer over stimulate mew growth on, it. This . .
I � "... -, . , in,- Point for the burden of proof. cord, - .
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: - W ! . 0 4 - T , .--�W, i Chatteol Mortgages (Average charges on small loam by personal todl- the season. I I I
."..*A;1 .... With peas this spread- wood is, further characterized by its
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.. . ...�; . . . . . � These notions are wrong, accordi Kingsbridge Church Looted
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�L . P Claim of th,e small loa.ff companies reputable companies in Ontario, m- ng Ing out is secared by sowing three downwardi-growing ba,bit and, its weak I
r .... ... I to authorities, on the subject- 11bere
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;�; - _..; '..".1 .. for consideration of the charges for duct'd to terms of annual interest,are kinds, an early, a medium and a late slender growth, occurring -usually on 1
i - � ....'� . :.. are gardens that fit a] An elusive pair of thieves who
1:� 1%_.". -.---.. ... making a loan is based on their con- LeIOW 35 per eent-). mO91 any situ- variety which will result In a conti,nU- the lower side of more vigorous have been leading pol-ice a merry .
I . .: a1tion, F'or those people who have
,X!6��r�g�4-,...;.,�",.,.�l%*��.'�".�-�,:�,�,�,�,�,� ....... ,�'11,-.-�'�'�'�'�'�,,***.*'.�-�,�.*,�'�.�,�,�,�,�-"-f.:.�- ception of the alterrineives. Tbey I
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, I. Aa&-,. :� . ....... ,,,�_ K:,j:j.:t::::��&%e ..... Maximum Rates neither the time nor inclination Gus supply Of green Peas for the branches and pasticularly in, the in- chase the last week in 11hron, Wei-
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_1 �:.,..7::��:'..::::,��,.�,:�,:::"��::..,::.;.::::.,...�:�;.:..��:... _.. ner part of the tree. This is the 11ington and Bruce Counties, struck at .
I, . . � - contend that should a would-be bor- table from mdd-June Until late July.
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�. . . ::::..,.-. .... I - - em them are plenty"of annual flowers
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.. .: A -- --- _._.Z-..-.,...- .. rower have to present th with a Proper thinning, -
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"!:. _ In Canada, in addition to frequent cultiva wood that should,' be eliminated, by Goolerich in the early.hourt of Mon-
I- chattel mortgage (for exn-p1le-) o -b- the Mone"y that thrive On neglext. A little dig.' tion and an- occasi6nal application. of prulling. It will - 4 more detail- dhY Monaing and weradved a 480 -pound, I
� I mean
11 4 CHILDREN of all ages Lenders Act, already mentioned, three ging of the ground- in, late spring is some goodi commercial fertilizer will ed pruning practice, resulting in a safe from the office of no Ford . Gar-
... I !�, " � . � thrive on "CROWN -tained. through ;recourse to an inde- small loan :companies are incorporat- all that is required. Take suoh things keep vegetables growing quickly and greater number, of cuts I , and' will re- age on I
I BRAND- CORN SYRUP. pendent third party, his tootal e,r*t for ed -under Dominion charter, being al- as alyssum, dwarf marigolds, portula- quick growing makes for tenderness- quire more �South St., operated by Stan,
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�., I They never tire of its delici- the loan wo)uld be considerably great lowed, in, addition to interest obarg- ca and California poppies for edging. . time. If practised, cor- Prevett. The theft was ne eighth
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.111 . ous flavor and it really is go er than under the present system recUy no large cuts will be made that since Wednesday last, but Since, thent I
1, I _m� -so give the whereby the loan company negotiates es, certa�n expense deductions so These are little flowers that almost Seed -
, long as the total rate does not ex- s ' would removeboth productive and um- thilee more have: been added to the
1-f,; good for them
� INP, children. "CROWN BRAND" these mortgages. This increase in eed themselves, crowd out weeds, do proquctive wood by the'eld mination of List.---Goderich Signal -Star. I
11 1� every day. cost would apply raost forcibly in the ceed 2%% a month. Special acts of well in .any location but prefer sun It is impossible to ,over.emphasize I I , .
vi, pdrliamen-t incorporating these large branches carrying both produc- I
t"', cOm- and light SOIL Once started tbey.will the Importance Of good seed. Other
11", I,eadWg physicians pro-. case of loans for small amounts they � Early on the Golf Course I
, 111�. .Munce 46CROlilm BRANDvI point out- pan.ies are open to criticism, however, look after themselves. factors may -be beyond, control but tive and unproductive laterals. .
. due to lack of -clarity, it -is claimed. For the centre.of bed,B or near the the gardener has -absolute cbeck over Every effort should, be made in the A ,warni breeze inid. gunny� i;Wqs I
;,. I , CORN SYRUP a meet antis- Tb,& experience of New York In Ontario, provincial charters Of back large flowers such as calendula. R empted a o golfers to get in 4
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_.- I , . factory carbohydrate to use State, which w4s� forced to, advance this foundation- Weather, soil and pruning of mature, trees to malutai t tri of I
�1,� recentiy incorporated small loan cOm- nasturtium, Poppy and phlox will location "ma be ideal but without vig,orous frultimg-wood th .
I as a milk modifier in the its rates in order to stop the "loan � Y rOugh'Dut the' few pTe-season swings at the Maitland I
;j I feeding,�of tiny infants and panies contain a sipilar ov I
,, ,hark," indicates the chief olaager Or -all rP- make a good, showing and for -screens good seed,- specially selected to suit entire tree, from top to,rbOttom, In- golf couTse oil Sunday.,Tbo mezk ,Wjyro
I . as an energy producing food i striction to Zy2% a month " on month- castor beans, dahlias, cosmos, sun- Canadian conditions, the garden is side and out, that will replace, -the Cy. Rotchell, Bob Rae alid ; FAmer I
I .,� for growing children. in setting maximums too low. Leon ly balance owing :to the borrower" flower, tall marigold are advised. All going to be a failure. There is no fruit buds that -are sacrificed I the W1h. N Ing. un ual d
I ly � I � Henderson, United States economist, and makes im-alld, any n e c Oth us marke the
'";. THE FAMOUS appearing before the government am0mit above of these annuals grow readily espoc-- guarantee that a flower which has harvesting of the apple crop. It is round� but the trio r�ported it war. � I
�� 1. I . ccimmittee, at Ottawa, pointed, out this inaximum- ially if given a little bit of cultivati , on given wonderful results in Gne,at simple to dev,61op trees that produce great feeling to get unlimb , ered onco .
11 ENERGY ' It will be noted that in both the and attention_at first Them are Plen- Britain or the 'Southern States win apples on the top and outer branebes
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�.� , . that for 14 years New York State , more at their favorite g&Me,_GOde.. I
I A .. Dominion and Ontario charters deal- ty of colors represented to make a do equally well in this country and but to ol�,,velop trees that maintain, rich Signal -Star. I
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I " FOOD 16 cpp.rated under a law allowing Only Ing with this subject of interest, a fine showing� gardener fruiting -wood, throughout requires I
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I �� . lb 21/4% per month maximum with the I
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i�"!. . 0 . ' maximum monthly rate Irrespective is well advised to secure his seed and much Careful � and ,detailed removal of Melville Church Calls Minister
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I 6., 04 * , resuJt that the bulk of the business 'of the size of the loan is the only , Nursery Stock nursery stock from a *reliable Czna- unproductive wood, combined with � I
ii , I ,- . . . . #* in t�b t State w,as being done by control exercised. As the larger bor- dian, source, jud,felouEp cultural practices. Trees Melville Presbyterian Church, con,
:. companies operating outside the law rower under this System provides were unanimous - in ex-
,;": � Shrubbery, fruit trees, -roses anol & pruned in this way are usually not grega'tlon I
�.' I . - and charging as 'high- as 20% per -ines' come under the general head- - tending a call
,: ,. Is . more than his fair share of profit to v, to tW Rev. G. TY.
�4' . so tall, probably a little wider anolare.
'
.,i- TIM mouth. Under the governorship Of the lender, a more equltdble plaipL is iiyg of nursery stock- Like Iseed, it is I ' Little, of Enm ra, Ont. They are now .
�. was more productive than much larger.
'.1 CA11AnA STAKH Frzinklin D. Roosevelt, a bill considered to be a graduated scale of important to s-0,cure such stock from awaiting the -official acceptance of
11, mihd trees prut-ed in the way we ,have
l 1, Passed increasing the legal tnaxl- .
, .
I'll I # charges. a reputable source and one that is .PJLRUNING THE APPLE TREE been schooled and which we have Mr. Little.-Prussels Post. �
, :t!, .
11 I . .. I I � . . familiar and caters to Canadian con -
J... . The experienced fruit grower is been pi'actising. Appoint Night Constable ' I
." I __ - I I Graduated Scale ditions. This sort of planting mater -
A" i, ___ � I
... , I familiar with the fact that young Do not,over-p-rune. Mistaken, pruu- ,
ar, I I . ial is offered, in a widl6 range df pric-
I After considerable study of United es, but as a rule cheap stock provos trees are likely to Produce larger fruit Ing can, cut orchard' profits m On suggestion of Provincial Officeir
z�� . � . ore rap- � I
111i , States plans in the light of Canadian disappointing. than old Ones. Hence any orchard idly than any other defective prac- McCoy, -the Brussels council ohave ap- I
.
;,". - I 1 _�4v experience, one executive of EL Small Good stock is pliable, green ant] practice that has a tenden�6y to keep tice, with the eossible exception of pointed a night Constable, who will I
I
.;�'. loan curnpany in Ontario has evolved trees young is likely to be rewarded paor spraying. be on durty until the part4es responz�
11 �C_ �_� a graduated rate -plan which shows Plenty of live buds. Roots are ible, for the epidemic ot burgft-Mes hI
T11 - . .at- moist and well wrapped to exclude with highOr Yields of quality fruit. 'Many orchards, On the- Annapolis ' o
, 1'�� � I /_ � t�-,nipts to spread costs and Profits the air. Such will grow readily when Pruning has a rejuvenating effect on, Valley have,,beeu partially rulued and Huron' and Bruce Counties are appre,- �
�. I � . I I hended, Robbe�-Ies, believed tt) bi-
1. I 1-1 @ I . . � Olkler Joans of varying sizes�, forcing Planted. Mttle, wood, wrinkled buds older trees and is, one practice that, their productiveness irreparably dam- . by I
,�� 1� the same personsi -ba,ve takelb place
�;;h', . .. borrowers to pay their ji)At share of or none at All and exposed dry roots provided, it Is judiciously performed aged by the promiscuous slaughter Of
11 Wl� � I at Goderlch� Amberly, Clifford, walk-
PI'd I . . lop.r cxpenses, This graduated Scale lire an Indication of inferior stock. so as to maintain the maximum vigour
... �� ;I , the tops of the trees expressed in the, 0
". ,,�, 1'�, , A.- - I . plau is in force in, some States of the If -it ,grows at all, a year or perhaps without reducing the size below that parlance of the day as, "diethorn.h..."., ,
4. _.,."' I
0 #I ,�_ "., , ;V , - " e UnioD and the plan for Canada com� I ceived the appointment, - Brussels
V. - ,,,- 'oe 0, / ? I
. 0 , tw"O are lost before it is likely to w1hich. will give the argest, well ex- This type of pruning is- not generally post
"W A v0w I 00 01 . . 0 . I paros favorably with the rates charg- make any ,real growth. posed, beaTing surface to the a0rtl, recommended but may have a place I
�,!.
, , 00.01 ;. - i - : e
, ,�� 000 d in thoge States. Nursery stock should be plant4as should express Itself In Takes Early Dip
,�k,4 fruit of larger in some oldeT orchards I
, 1�, , that have
N" L
. . - � I 'E.;nder the graduated scale Plan soon -as the soil Is fit to work and if size, better colouT and a resultant been get too closely and that have "Mac" MacD4)JX1al`d.'. RZOWD to every-.
I � !, 40000 000 MP . . I.,
,pf,, 0 11 which, it is pointed out, 4EY -higher pure -based. before this time or if In- larger return. A systematic Pruning been allowed to grow uninterruptedly one I
�.. 0 1. , -than the scale in use in In town, took a dip in, the Thames '
. 1'. Ontario by
� J-1. _V-rV0W__ convenient to plant, roots, should be Of YOU'D9 trees Is necessary at Plant- upward for a number of years with- River oia Tuesday t() open tIje. season
�0,,` ,. th(, majority of the leading compan- temporarily Covered with moist earth Ing thp.ne and during the first five "a- out proper -heading. Even in such or- bsre. It was a beautiful. clay and I
� �� � . '
.
I ". , � leg, 3% per month would be charged - ts sboWd be stored in a cool -as in the orchard but should only
"Ill . or plan so chards, however, the dehorn6�g should Mac says tbe water was fine--Mit-
� 1,� .. , ' on that part of the balance, $100 and' dark Cellar and roots kept moistened. be such as is absolutely necessary not be too severe at any one' time, 'cbell Advocate, . I
�!�;:, * ; under; two per cent. per mouth on I
,.
� �,� : l, i , , ; � . that part between $101 and; $300 and First Vegetables flor the development of, a ArOn9ftame but should be done gradually Over a Celebrate Golden Wedding . .
:: `�,%. BORROWINo AT THE BANK work for future Production- The peiiod, of two or three years. If
-ill .. a
5 I', I t � I one per cent. Per rnon-th on that part - , "modified leader" type is recommend- .
__� .1 . 1. First vegetables to be planted, in systematic pruneing is given. the' oreh�
, !-;, I between $301 and $500. Dollar cost Mr- and MrS, Eolwaxd Robinson, who I
f� 6�', �, the spring are Spinach, all sorts ed. It Is impoftant that all youn ard, ,during its development, andi sub -
5 � . and monthly average yields on var- of � I 9 I
"I
�,
.
1�' N;. trees he kept in a vigorous state of live on, the Alex Walker farm, tvVo
IN, ro?""�& a//atozar ,t ious loans aMpunts. under this plan miles west 'Of Milt,011--11, on the Huron
. lettuce, radjah and peas. Once upon sequent pruningD are directed towards
., �,
1,11 .A 1 1
?�hllrl . � a time gardeners advised against the growth by maintaining soil fertility- maintaining the proper height and Road, celebirat,d the fiftieth anniver:s�_,
,, � � . as compared with co-sts, in force in early sowing of peas for fear i If strong-gTown yearling trees are spread of branches, the. practice Of; ary of their - A-4, I
.
1" �V . threc leading United States cities are seed
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of tropical orchids been SeML New,W
before such a &ofuslioa of muld-eat- I
oured tulips. Such a riot of -colaur ia
Impossible to describe. A Words- I
worth, a Shelley or a Keats would, . 'A
find great difficulty in doing justice 1 40
with mere words to this cal0arkUlar-, ' � It
ray of Nature's handicraft. One -mat � r
see the gorgeous gardens, the xngal
roses, the dazzling daffbdJils and the IL I
hundreds of other species,,tia really E
appreciate them . - 1
X
FARMERS -NEEDING MONEY
sound banking. Our branch
shown in the followdrig ta 11 ble:
I
older, closely -planted Orchards where
the trees, are crowded, rather than a
of MarCh.-Mitchell Advocate, I I
fold branches that spring from the
.
I to finance the costs of plant-
managers in all agricultural
�
.
Pro I posed, Graduated
Small Loan Rate
Charges
the ,ed4icaMonal campaign, and, circu- I
. .
ing-money for wages, of
parts of the Dominion are ,
lation ,of Petitions,. A campaign is I .
Under way
Prorpos,ecl, Canadian Scale
Buffalof
Cleveland$
Detrolt§
detailed Pruning to enalAe them to
produceas abundantly -as pogFsible, un,
inp, mE-etings and seeking � the s.anc- �
Amount
Scate
Dollar
Dollar
Dollar
, Dollar
"", workers, for seed, equipment,
familiar with farmers' requl'te-
of luan
per month
cost
cost
. Cost
�
. Mgt
.
fertilizers, etc. -will find.at
k 1
,ments and market conditions.
'
$
60 ............
%
3.00
$
20.00
$
12.00
$ ,
12.00
$
11.39
the Bank of Montreal a
You are invited to talk
100 .1...l.
i rA
4 ..... 3.00 .
0 0�7'
19.50
40 ILI)
ig. 50
on 0�
19.50
�t�
22.75
I 1. ' ... I ........ . Il . . I ..ift Olt.] 4
, I
�:j I ready and willing response with,,the manager of our 200 ... � ........ 2.73 .J 35.50 3851 39.00 45.50
1 2.62 42.59 458 48.75
, . to applic4�ions for loans. nearest branch, regardin � g 250 1 * : , , , .... , . 56.88
,. 1 300 , * , , , .... 2.54 49.50 55.88 , 58.50 68.25
;�_ Bbmwing to make a 350 2.44 65.54 * I
%' - I . '11.1".. your need for borroa)ing ..... * ... 0 *
""' . . 400 ............ 2.35 61.00 * 0 *
"
��" � , haj�pdt is a ConStrttefive use to prepare for a profi; ble * - 0 .
k � I , - 450 ............ 2.25 65.89 , 0
1.'�!; / 7 ,1 . I *
�":, �, ' qf credit, approved by harvest. ; I 500 ............. 2,17 70.41 * , *
0� .
,�j... I", . � *In UnAted States, small loans are considered, to bdve a maximum of $300.
11, / .
"U".
" V t% p,�moutli, first $1.50; 21/
.,% on, balance to $300.
"��,�,�, , :'�, i A` � I
�, I 0_
, I J
"j. I .1 . §31/�% per month straight. �
T;V,e�t A., ' . . I
� ,
, �
, " $3% per month straight.
.
01", 21 N-111 MONTREAL .
Ili ".-.��,�,�,11: � � I I I I .
.
I
'11 J,,i.' it is ,claimed for ihe plan set forth a recent address to the Investigating
;,;� " �N I., :1 � ..,. ,� . , I � ... I � 99TABLISHED 1817 .
4�%Ilq!L' ' " ' -
t p,-.,,'_ . . . . . above that It would Provide a stand- committee, the only attervative to
" I , " �;;,"';,"i * .�!, _ . ', "abaekwkresmall'a=oArware welcome- I
I , "
'l 1, "'V. , �� , - " - , complete control by the Dominion ',,s
, r, � 't .- " . .I.-
� I
.V � , I .1 , t 4 � .1 . ard basis for use throughout Oanada.�
Vq, � J-hR,5,--W- - - - - okk, EltPkRIENCED RXXXINIG SEP -VICE . . . , Av Oulcom qf Act as it
�1- ..t�T-. � , " ' . .s
,
,%; 6'il 111"l " toleaVe the Money Lender
� ��,�igg;.,:,� Ad t � 7-,�
. j to,,,�,-;i '. 0 ' I It is polutOd Out that the rateg shown 0tands. aild let the ,provinces step In
,
"I
'. ; ��. � L"', � "; 1� , 1�6 Years' SA(awfld oPeraltion 1; � aro Maximum � rates ind that local and gain gonie control over the, blisi-
,,.;'_11�., , . . I ". -1 11
, ''. � I . I , . conolititifig ' would .almoat ,Certainly ness. Aslai as the majority of small
�L, , . I -
�,,,;'�,�,��, W,101:,4" '. I . . Ill. ,, i �
-Z,J,.;��.C' 611110 ", I � ft. A, MONTMIT%'Man -1 .1 . to%v,Or the ,charges hi, many ,places,
I
1" l .1, I , ' ' companies being able to operate be- would� weldome action by either the
� a . 1". �, W. K, A. Clboft Mi "' r ,
LI; l� I-— L I I low toe scWeln cities where volume Doinihilon, or the vatioug prov;46ts6g
t�v opth, T""', 49 14,161", , .
- � ,. 0 , 44 c0h8dolOrOble. 00did,P0000it, t866t(Is whioift ,Would' clarify, the rate situg,
","", �_11 " .. � .".7k, , " ,!�, ,�� �, . I . 11 � lildiedto, Would tiikp c0ttdih� that fidii gild &iWd' t116 WNLblighed cbfh-
��
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; - ,� �1,,'!,-��,fe�,,��:�- I. . . 'ELM4�s 6poratO,lit �tho lowea e6st pan. o
",',,'I'll � - .1 ., ,�� �I.".�!,��"",�",�,e��,�,�.,Z,��,:�,,,,�,,,,,, �,l .. ... . ..... I c6mip . .1 too t tobdutt,thelt busaneas ike"o
- � .,.,.,. � , I I '', t 1) e 'fi-
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t; I J' at 'WhIch a lit0fit can bo tholwit, oftfi�� disreappe , roug, ., t,ft it by Ill I i6
W1111"M ,,Tl��,e�,%L�,�,,i:;,;:!;�;,�,1,6 �. 1. 1 �� , . I I - ., ,- I
l . , , � As ,JkobUd 01� hr Mr. IDunning In botlegger. ` ".
I 0 1), , , , . � � l , . , I e ." : , - - . ��
I �� gl,v 1�, �'Iili,11R ffil., � 1. 11,,`�111"'�'t,,, !,,,,�J;�,,;;��;, ,. . � ,
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_ I I ,,, - l - lli'.t."YIA�ll,�i,��..'�t�,��'PI " , ,M! .. - " -, I 1:�� " � �,4','J ': � '; _�-` � �1�' -
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--.,-,,. � ,_ ., �1111111 I .. _1 , , � � 6�z, 11114 , a. ,�.LM"`..,',,,,l.1 '.., i'a"i",."`,,_i ., �; �,.,,��%. � . , � I
planted they sh-ould be bea,ded� at three
feet. The first year the tree should
de'horning will not he necessary. In
. - -r, uay on, I tresdrdy . .
of ;bhis week, the twenty-second day
1,rave produced a leader and two scaf-
older, closely -planted Orchards where
the trees, are crowded, rather than a
of MarCh.-Mitchell Advocate, I I
fold branches that spring from the
severe dehoming, a systematic tree
.
trunk at a widle angle, the lowest be-
thinning (removal of trees complete-
I
ing from 2 to 21/? feet from the
ground varying somewhat in differ-
ly) Is advised, -and ... IntDi-planting these
',,acancles with yqungtree,g Of desir,
the ,ed4icaMonal campaign, and, circu- I
. .
ent provinces according to deipth of
able varieties. The renlaining old ,
lation ,of Petitions,. A campaign is I .
Under way
fa hould be tipped to
maintain balance and stimulate
trees should, be renovAted by careful.,
with - nine or ten other 0
counties and several others Mrc'hold-
branching, but should be left. 1% feet
detailed Pruning to enalAe them to
produceas abundantly -as pogFsible, un,
inp, mE-etings and seeking � the s.anc- �
long. Severe tipping usually stim'11-
lates too many side bran`�hes clOse'tO
til they in turn are sacrificed to
tiou of the county coun�cii to proceed
with, the prelimiluary work leading to I
the trunk Which eventually must be,
make room for the younger trees. Tbe
object ,of pruning should be the main-
:, T. B. frdj3- area. J%b reqlfbst.. first. .
a 1
removed. This meth0d 19 followed
for the "conol and, third years with
tenance of a,,,balanae'between fruit-
comes from the cattle owribm and I
two-thirds of the cattle owners must �
Only OnotIgh' Pruning and, heading.
fulness and growth. A ,good Maxim
be In favour of'the area test before .
back to preserve balance and main-
is� Use the head, more . th n -the
a
shearg In all pruning practices.
the Work is, unde ken.
ilta
. � I
tain a slight dominance of the leader.
I
. I
BY the fourth year the tree, abould
-0 .
/ I I I I
have five scaffold branches developed.,
. I .
. I I
evenly distributed -six to eiobt 19c,hers
T. R. Cleanup Camp'aigfi
I �
.. I
.1
I ,. .
I .
apart verticallly around the main
leader, between -two and six feet, frum
- , . �
. cothing in-
Ontario fariiers am be
- 11 I
, . �,� ; '! � h1l
ll
11 I I
I . ,.
the ground. iAfter this the leader Is
crelagia,gly conscioue of' 6e nocp�ty
*
11 11
,
I . 11 l
all the ,
encouraged and pruning is
,
of ,clsi s
, eliminating bovi" -tub&ticul
,Mm theh, her4a. llre6de'rsi of ptiro,
.
I
I . . I , "', '� ... �, I i
' , .
$imply a matter Of thinning Gut,
bred cattle have for years bad th9ir
1, �'17 I
,
-01yinlobs differ as to JU91 how much
,
herds tested uJild-or, the accredited
, .1
, "... � , �
pruning should be done to trees that.
Inerd, plant aud- ,have recolVed cbm-
. 1. J
'"' " L� 11 " . .
ring ag4e� or are
jkensAtIoly for rgaefors, but lundeir, thc�
-� � .. A
dt full Oroqlletloli, ,but esseatially it''Testricted,
area plan f0ii T. �la. cloaii-
I
, " l'
i0tould be cOlifitled, to the- remotal of
. � I
up now *61t - blider way., owtvars of
. -
, ,,x` . . 6 r�
branclieg that Vvill corr�ctlY 11todify
b�th grade and 6ure-bfod cattle re, '
�-��, � , I
the ,,to of tho tree to,; the gfdw.�es
ceiV,d cu1fip61igjt16u for f6ji�066rg. �, In
, 4 I �
desire ah -d readIt.An-thA d6vj�16ptnjent
onarloi,tbelosib 61A66ft cdtuftft�dlunll
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of_&
, &At `af& AfftJ&,tjf0J,k_Stt jig
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aer, t 4, r6wbft ,at" �it the, X)rO 1,
. ...
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"o that lh&v& A IWIXIMUM bOating ar.
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0 , 6611fifles =At
time, Six ��Ivo , ,
106mo
Ill- I -
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