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The Seaforth News, 1934-03-22, Page 2:PAGE TWO THE SEAFORTH NEWS T'HURSDAY, MARCH 22, 1934, HURON NEWS Mrs. R. J. Powell,—Death remov- ed a .highly 'respected citizen in Mt person of ivirs. Powell, wife of R. J. :Powell 'Blyth merchant, death tak- ing place last week. Mrs. 'Powell hat' not enjoyed .good health Tim .some time but it was only a couplt of menthe, ago that her condition be- came critical. She was formerly ,Essie Code, daughter of the late Thomas Code, Con. S,1Lorris, She is survived by her husband, two sons, George and Wellington. and three sr,ttrs, Mrs, Alex. 1Perterfield, East \\ awa- nosh; Ars. C. IF, IKennery, .Conner, and Mrs. Will Laidlaw, Con.'B, Mor- ris 'township, Visiting in Minnesota.--I\l'riting in the Brussels Post, \tr, iIarry Moon- ey, 403 America (Ave„ Bemidji, Minn. says "Business is picking up here and times are better, and there is more employment, for the unemployed. Tht depression bit this country hard but under the new ogvernment, and President Roosevelt, everything i$ looking brighter, and is corning along nicely. '\\'c are all welt here at Pres- •ent and employtd. \ly brother-in-law, John Griinoldby, of Seaforth, has .been visiting with us all winter and expects to return to his home soon. We niay be up your Way to the ex- hibition this seminer, for a visit, and if health is spared. \\'e were all back that way and visited in the town along the way, and sari- many Of our old friends. Since leaving Brussels for the \\'est in 1,'f.i6 many changes and deathhave taken place and old tuners have passed on." Mrs. Leonard Ruttan.—On Friday evening, March 5, thtre passed away in \\'ingham hospital, another of Mor- ris Township's early settlers in the Person off Mrs, Leonard W. :Ruttan, The deceased had been in fairly good 'health until the previous Friday, when she took suddenly ill, Medie. aid was summoned and her demise occurred just one week later. Mrs. (Ruttan, whose maiden name was aS- rah Louisa Dulnfage, was born near Pieton, Prince Edward County, in the year illS32, being the daughter of the late Mr, and Mrs. Jonathan Dula usage. She moved with her parents to (Huron County, when eleven years old, Her parents settled in Morris Township on the first line, on the farm now owned by Edward John- ston, to -here she lived until 275 when she was united In marriage to Leon- ard W. Ruttan, They resided ott their farm near Jamestown until 27 years ago, when they retired to Bluevale, 1'Lr. Rattan predeceased his wife four years ago. After his death Mrs. Rut - tan moved to Wroxeter where she was living at the time of her death. She is survived by her twin brother, 'Wm. of Harriston, an elder brother Dan of Palmerston, having passed away one day previous. Ankle Sprained. — One day last Mr, W. H. Haney ni '\\•ingham slip- ped on a step and sprained hiss •right ankle. He thought little of the accid- ent, and went to Kippen and Seaforth with Roger Oke on the U. F, 0. truck, but before he returned, was unable to walk. IIe was confined to his bed for a week and at present is around tht house on crutches. Narrow Road Causes Mishap,—tOn Friday W. R. Cruikshank was return- ing from :Lucknow by, horse and cut- ter, and a short distance this side of Lucknow was dumped out on the road, The Lucknow road was quite farrow as the snow plow had ort yet pushed the snow back very far, and as he turned out to pass a sleigh a car carne 'buzzing by and struck the -rear of the cutter and threw him out. 'The horse got away and was not stopped until it got to Whitechurch, Mrs. A. Nickle, Clinton.—Mrs, An- nie Elizabeth Nickle died at her ,home of her sister, Mrs. 'J. 'Govett, Clinton. She 'was in her seventy-eighth year and for over thirty years had 'been an invalid, uuablle to walk. Mrs. Nielele was born at Carleton :Place, Nov. u'th, 11555, being'a daughter of the late Ed- ward Creighton Moore, coming 'to Clinton as a young ,girl with her par- ents, In April 116 she was united in marriage to John Henry Nickle of !Walkerton, where her early married life was spent, later moving to I{in- cardine and •;tits later to fSeafor'th where ,Mr, Nickle died in 11933. The family 'then moved to 'Clinton. She is survived by two sons and two daugh- ters, W. iH. and E. C. 'Nickle of Clin- ton, 'Pearl,\Irs, 1Frank 'Coleman of Stratford, and 'Miss Mae IIdickle of London, who has been with her moth- er during the past 'few months. Four brothers and 'two sisters also survive: 1frs, 'Govett at 'Clinton, Miss 'Mary J. Moore of Toronto; 'Messrs. J. W. Moore 1Goderi'ch IA. :F. Moore, A1- 'hamhra, 'Califa IR, A. ':Mare, Van- couver, )B.C.; and ;Lt. -Col. D. C. Moore of 'Toronto, - Wild Animal Stories from the County Town. — Goderich will soon become as famous for its wild animal stories, as Sault 'Ste. 'Marie,' The fol- lowing are couple from last week's ,G'oderich 151'ar, 'tv'hich says these "are rarely questioned": Albert Gold tharpe, the genial and well known reeve of (Colborne, is responsible for the best deer story heard in 'these parts for s:dtne time, Ile states that one cold morning a :week or two ago one of his neighbors came out early as usual to attend to the farm chores and saw eleven deer feeding from a haystack (back off one •off his barns,. They appeared 'to be fairly tame, ne'v- tr having been hunted, The 'neighbor did not disturb them with the result that some of the 'herd have (hen 'seen several times since. 'Then another ar- ti'cle says: Bitter •cold and lack of game in •t'he Bruce peninsula seen[ to be driving the iwolves south, at least Morris Lunnington and his fishing companion, ,B' tHoffrnau, thought, when they ran into a ttol'f on the ice on Wednesday morning, 'March 14th. The boys have a hut out from 'Blue Water Beach and When they were on the way out, early its the morning they 'first saw the tracks which looked like those of a big dog. Their curiosity aroused, they scan- ned t'he ice and saw, making good time towards the south, the shape of a big wo'l'f. -His `side -winder' gait be- trayed 'hint. Wolves walk like 'pacers, bout legs on the same. side :moving at ince. It is said that .a number of wolves have wintered in the Pineries at 'Grand (Bend and it is possible that the one the boys saw was one of these. Pole Takes Fire.--Ildydra went off in Clinton one night last week, ow- ing to damaged insulation on a pole between Clinton and 'Seaforth, caus- ing the pole to take fire. 'However, it was not very long until it was on again, County Home Committee. — T'he, CountyHome Committee including Warden G, E. Elliott, County Clerk Roberts and Reeves 'Gaauble, 'Ballan- tyne, Leiper, Archibald and jam - atoll, met at the Hone at Clinton last week and looked things over. Tend- ers for the year's supplies were aw- arded as follows: Bread, E. W\\'en- dhtrf, 'Clinton at $3,63 per cwt.; neat, '\V. Beattie, Seaforth, S'% cents per pound; groceries, Miss O'Neil, Clin- ton, It was decided not to purchase a power grinder, which had been suggested. There are a number of ablt-bodied, sten in the .Home who call manipulate the hand .grinder for the time being. Lobb-Lyon.=A quiet wedding took place in Toronto on March 14th, at the home of IDr, D. N. McLachlan, 1,111 Marion St., officiating elergynta•n, when Lily Maude, daughter of Mrs. Lyon and the late Harrison Lyon of Loudesboro, was married to Mr. 'Wil- bert Roy Lobb, son of Mr. lYnt, Ldbb, and the late Mrs. Lobb of 'Goderih Township. The bride, a deaconess o the United Church, Who has been engaged in !Social Service work in 'Calgary, wore a -travelling costume of navy triple shetr crepe with coat of midnight blue lemma cloth and 'hat to match. After a chort wedding trip Mr, and Mrs. Lobb will reside nn t'he groom's farm in 'Goder- ich Township, Francis A. Abbott. - A talented young man passed away in the prime of life in London fin the person of Mr. Francis 'Alvin Abbott, son of Mr. and Mrs. Wm, F. Abpott, of Exeter, aged 25 ytars. On February 23rd Mr. Ab was taken to London owing to illness, The deceased was well known and will be mourned by a large circle of friends. the was an elocutionist of splendid ability. On tilt Tuesday pre- vious to his illness he 'broadcasted over OFIPL,.London, ttsith the Edith Hill Adam 'Trio, and ,had accepted an engagement 'to'broadcast weekly. The deceased wa•s horn in Centralia in 1918 and moved with his parents to Exeter in 1'9+118. For four years he liv- ed in Chicago, returning to Exeter in 111930. At tell years of age ,Francis won the silver medal for elocution for 'South (Huron. At the age of 1116 he re- ceived the gold medal award. Ole is survived by Itis parents and two sis- 'ers. 'The funeral was held at 'Exeter. House 'Burned in Howicic.--Fire of undetermined origin conplettly de- stroyed the 'fine white 'brick house on John Holt's 'farts on the '9th conces- sion of ,Howicic township last Thurs- day morning. The hoose 'h•as 'been nnoccupiei 'for .several years. Mrs. M. Gallagher, Goderic[t. -- \fter an illness of several weeks, Mary Longworth, widow of J'o'hn'Gal- lagher, passed peacefully away on Friday morning at her in IGodericli int her gist year. Mrs. 'Gallagher con- tracted a severe odd early in the year. ashich left her with as affliction of :he heart, which resulted in her, ea.th She was 'born is ICroderich Township, the dau'gh'ter of the tate Mr, and Mns. Benjamin IL'angwot- h, Who later removed to 'Col'bor'nte Township. I1;Iere Mrs, !Gallagher was marriedin 11076 and .wart to live on ter h'usband's farm :new 'Smi'th's H'idl. They resided there until two years ago when .the (fie farm 'h'orne ,was destroyed by fire, and they removed to IGoderich, where Mr. 'Gallag ie' passed away a year ago. Find Horne in Flames.-1Awakened by t'he barking of their dog at an early hour (Friday moaning, Hugh !pren'tice and family of Lower Wing - ham, arose to 'San their home in (antes, :&rout Which they might have 11l peris'hecl in a short time had it not been :for the dog. 'The origin of the 'fire is uutlntot'i. Tit residence was located just outside the corpora- tion, Which made it very d'il8icullt for the fiemen, being located so far 'front a hydrant, and they were able to have only one line off hose. The 'fire hadl gained such headway that it was dm possible to save the 'building, The 'firemen managed to keep it from spreading to adjacent 'ho'mes. Very little of the contents could 'be saved.' The loss en both the 'building and contents is partly covered by 'insur- ance, FARM MUTUAL INSUR- ANCE IN ONTARIO s of R. property.e comp - first the of stock •io saah- e all rep - those d•r- er \rlu•tunl companies. "'It is estimated that Ontario farm- ers carry .fire insurance aggregationg about $.62215,000;000. Of this natal 'it is estimated that $530000;000, or 85%, is carried by the sixty-eight so-called Ontario `f<arnters' mutual _'fire insur- ance companies, They are dotted ,throughout southern Ontario, almost county for county in numbers. The oldest of then[ is seventy-eight years old, elle youngest twenty-four. These companies are purely annual •eoun- patsies. They are officered and direct- ed by their own farmer members tx- eltrsitely, There are no stock -holders. They are organized by the farmer, they are managed l y the fainter, they have only one purpose to serve, viz„ providing their farmer members with fire insurance protection at cost, To paraphrase Abraham Lincoln, they represent insurance of ffarmproperty by the fanner for the farmer. They 'constitute the oldest anti probably the most successful co-operative under- taking established by the farmers of Ontario [luring the past half -century. 'When a farmer complains about "the companies" he thus geenrally means the mutual companies, and when he attacks a farmers' mutual fire insurance company he is atacking his brother farmers, These "grasping" in- surance companies, when the veil of ignorance or deliberate misrepresent- ation is torn aside, are revealed as no- thing more or 'less than groups of fainters all over the province who have banded themselves together for the purpose of providing fire insur- ance protection for themselves at cost 00 a purely reciprocal and co-opera- tive basis. "Last week I had an enquiry from a Sawyer in the north-west section of southern Ontario, It read in part as follows: "We have been consulted by a number of fanners who wish to join a sort of club and the idea of the ,club would be that each member wrould agree with the outer members that in case of 'a 'fie that they would repair or re- build the.farnt,buildings, They :do not wish to forts a Company and there would be no yearly assess- ment from the -members, the only assessment being in case of a fire when all the mentlbers wotild help to rebuild the buildings that were damaged by Imre, In your opin- ion can this be done and if iso on what lines would you suggest . that t' -lie a.grtemerrt be drawn up between the farmers ? 1Extracts from the addres Leighton. Foster IK, C„ Superintend- ent of 'Insurance for the'province of Ontario, delivered to the annual con- vention of the Mutual Fire Under- writers' 'Association of. Ontario, sat Toronto, March 20Th, "Now and then the departiment hears t'he campl'aint that the 'Ontario farmer is paying too ,much,muchfor fire insua•an'ce on his farm Mort rarely, one hears of •a'a attack being made, usually by a farmer or a farmers' representative, on the "e0111- palsies." How+ much is ,the :Ontario fanner paying for his fire insurance protection? Just who or [what are these "grasping" insuranc anies ? "There are several kinds of insur- ance companies, There are so-called !Farmers' Mutual 'cotnpan- les, Then there are dozens companies carrying on' business inthe province. Several Onntat nnuuuls and two or ,three ca s h -fn ut- nal companiesanies with head offices in other provinces also write farm in- surance in :Ontario, 'T'hey ar utable :companies, ;But the complaints to which 3 refer today are ected at the member companies of your Association—the Farah "You may he interested in the De partment's reply: "In .cannot think of a better name for a mutual company than, 'club." Even a club shuts 'have a constitution and laws, ofificers, some sort of an executive com- mittee, etc. If, you will refer to Part XVI of the Companies 'Act and to the provisions therein contained for the incorpora'tion of purely mutual fire insurance .corn - panics, you will sec the machin- ery for the ot,ganiza•ti'on of a club such as you describe ready made for you; ,the only distinction is that it is called a mutual co'nt- pans 'Ty.here world appear to be but one major dist•inctioat between ehe plan described 'by your clients' and the ordinary mutual con= parry. They want to collect no cash at the 'tiote the property is insured, but to make an assess- ment .only in the event of a 'fire. You 'may be i'nteres'ted to know that the mutual companies scat- tered all over !Ontario were all organized for exactly that purpose in exactly 'drat way, The maj- ority of them have been running for more than '0ltl+ years, It Was- n't long before the members 'found that it was very incon- venient to have no money in the cash box when somebody had a (fixe. So they c'omme'nced .col- lecting assessments to meet ate ticipated fuitttre 'los'ses rather than to meet past losses, Then they found that some years were good and some years were bad; some years there were a lot of 'fires and other years there were no 'fires. They .thought it would be better 'to collect os assess each year an amount sufficient to meet the average cast over a tears of years, with the idea of building ap a reserve ha good years to take care of the excess loss in had years. Fin'ally, in 1902, the Act was amended to require all com- panies to collect in cash of the anniversary date of the policy at. least thirty cents per hundred of insurance (approximately the av- erage cost for all companies over the preceding five years); to re- insure their big risers; and to do the other things set out in sec- tion 403 et seq of The Insurance A•ct. And so the situation is to., day. "I suggest you explain to your. clients 'how they ,can organize their club as a mutual company' tinder the Companies [Act and why you 'are persuaded that it would not be permitted to be ar- ganized otherwise. At the sante time :I wrould .be glad if you:. would telt them that in my op- ion as Superintendent of Insur- ance, their district has four good companies already well establish- ed and that ,there dossnot appear any necessity for a new company in.,,.,. . "And What of the cost 7 Is the far - user paying too much for his insur- ance? Last year the companies col- lected $'1;7113f1140,&o from the farmers of Ontario. They paid out for losses and expenses S1t8ll7;t-I1&3,183, of which less than 830,003 represented cost of management, In other words, with $Sit0i7'7,59 of interest income from in- vestments, they almost broke even. The farmer paid almost exactly wdtat, his insurance protection cost. Of course individual companies had vary- ing experiences. Some incurred losses lower than they anti:cipated, and hence collected more than they paid out; others were unfortunate and paid out a great deal more than they col- lected; but in all ,cases the farmers paid out just what their protection cost, apart 'from the item of reserve. "And what are these reservtfs? The companies in the aggregate increased their accumulated reserves by $5'5,:000 iu (9313..00 the other hand, they had to draw on thein to the extent .of $16,- 300 in 1119132 and to the extent of $4110,- 000 in 1193f1. '1193dr was the most disastrous per- iod in the 'history of farm mutual in- surance in ;Ontario. Every conapanv is required to send an audited 'financial statement to every member a week in advance of its annual meeting, These statements show the true and correct financial condition of each company. They show the assets and the liabilities of each. company in strict -accordance wit lithe Insttrasace Act• 'S'ome companies 'have a surplus for a rainy day. All companies should have a surplus. 'Unfortunately all have not. The aggregate assets of the sixty- eight ,companies as at 31st December, 1933', ,toaalled $2,0169,61416.'27; their 11191313, totalled $2,0)0,346.1217; their -liabilities totalled $11,3153,151047; so that their aggregate surplus' was $71115,0,10 at. that date. The' substantial additional security represented by the. premium note residue which may be assessed when necessary for losses ;and re•• ernes is not included in these figures, "And how is this stu-plus used? Coder the Act, a contently which 'has, a surplus in excess of 2151c for every $1'00 of the 'batal amount at risk may with the approval of the ISuperittteu- dent, change ,rates tower titan the''min- mutn fixed by statute. Some thirteen companies fru the province have such a surplus -and are 'cha'rgin'g less than minimum rates. Thus in all cases the ammer pays the cost and nothing 'but,( the cost. 1f his company is 'we'll ma'n- ged and foetumate he pays less than le minimum rate .and no assessment; WHE0�1 'Your boss is a cxaEra and he expects you to be tv�© pflaces at the same time o o asad he won't take excuses.. Use your telephone m a Long] Distance will help you do , the uevsp®ssible. ® The telephone er:1l take you to the - neat town or township or across the continent with equal facility, It's your quick, easy, de- pendable messenger in any etnergency. And it's inexpensive --100 miles for as little as 30c. See list of rates to the front of your directory. if his company is less well managed or unfortunate he probably pays store' than the minimum rate and sometimes I an'assesstuent in addition, :But in all cases the pays the cost as determined by the experience of his individual company, which probably is well or poorly managed depending upau Stow great an interest he and his fellow members take in the annual meeting and in the management of their com- pany's affairs, "The farriers of Ontario have every reason to support -their own insurance companies. They have made therm what they are. The companries have stood the test, in some eases of more centage of !flesh on its back, just as thiobuffalo does. When enough 'af the animals has, been produced at the txperimenitakIr— station they will 'be sent to various' farm's in 'the' northern fringes of the western provinces where they can be reasonably expected to ;play t'he asme role on these northern farms that cattiep lay on all farms on the con- tin'en't, supplying milk attd meat, and to make up for the loss of the great 'buffalo 'herds of the past that were so wantonly sacrificed, NEW GRADE NAMES 'than three-quarters of a century and FOR FRESH EGGS in all cases of mort than two decades, New grade names are now being +No company in southern Ontario has tacked on to eggs as a result of The ever been wound up with .loss to passing 'by artier -in -Council of regu- tnembers or failure to pay its cerdit- lations calling for the elimination Alla ors one hundred cents on the dollar. :the fancy m,antes such as fresh ext So long as the Ontario farmer under- fresh firsts, etc. stands that he is the company, that he can make it or break it (depending upon his own personal action itt as- sociation with his fellow members), that the cost must 'be paid, be it ,great or small and that the only way ,to meet a large defilficit is to stake an assessment; so long as he devotes his energies to improving ,tete manage- ment of the company, pointing out instances of over -insurance on his neighbor's farm, suggesting how this or that toss might have been avoided— so long as 'he does these things he `stay look forward confidently to the future and (:now that in the field of ,fire insurance protection he has creat ed something of whigh he may well be proud.." CATALO—A NEW ANIMAL (Hereafter, 'fresh extras will be known in the trade as grade "A" 'large; fresh firsts as grade "A" med- ium; 'fres'h pullets as grade "A" pul- lets and seconds as grade "C". This, it is 'believed, will make it easier for puzzled housewives to dis- tinguish''between different grades in- stead of being puzzled by classifica- tions heretofore in vogue. ALMOST BOARDED PLANE. [London, I0ttt. — Mack Spence, i17 year old boy, who has a•mibritions to be an aeroplane pilot ie lucky to be alive today. At t'he airport Friday :morning •wthen Capt, Sparles,'who was killed in a crash, was warming up the plane Mack wanted 'to climb .in the front cockpit and go for a ride. 'Mee luani:c IB'u•d 'Haps said 'he could - Thirty strange annuals roam nt n't go and Mecic was disappointed. pasture near (Wainwright, Alberta. 'MGee, d ant glad now ,that ,Bud. .Neither domestic cattle, nor buffalo, stopped Inc,' said Mack.standing the new .cattle are a mixture df these within a few fett of the 'wrecked two animal species. Their name :conn- p'l'ane. bines that of the original species, The .catad'o has been developed after many years of experimenting b3 the eat- POTATO CAKES ployees of the Canadian government These quickly made hot cakes are The teaks, whlelt resembles both great favorites with t'he older genet -- the buffet° end cattle ancestors, was.,ation and the younger d'o not despise developed to pr.ovide_a sturdy typt of ti'e'm, Could we, peep into many a cattle lost farmers opening up the Yorkshire cottage at teatime, we northern agricultural districts of the might see two old cronies enjoying Canadian .iWesit.,Ordinary cattle 'could potato takes with their .strong tea, not stand the cold, nor 'find their own while 'they exchange views on local forage in 'winter, 'Buffalo, on the,other topics. hand, can live even in .the INtorth=West IRu'b!b ill tablespoon :shortening into Territories and 'Eora,ge in winter, The d cup of Hour, 1 teaspoon salt and' .cross 'breeding. of the two species was 1 teaspoon :bakitng powder, started it fewyears ago. rA'd'd Il' .cup hot mashed potatoes (or Difficulties were encoue'tered, anal cold ones left over from lunch will it was .necessary to fund an interred- do), and mix \vett into stiff dough. iary animal, as the resultant animal !It may be c ecessar yto add L or 2 from buado att'd cattle often died at tables'poons of mills as it tnu•st aro t he b'irith, Ifs distant Siberia was located too dry. the 'yak. iCross-beeed'itng,'between do -1 -Turn orr5o 'floured board anal 'roll mastic :cattle and yak, and the 'hybrid ' out. from tins union :with the buffalo has ,Out into .r n t t out ds, about stitch been successful, and today ten 'oaltalo' 'th'ick, ,prick 'and bake in oven at 41?5 is thriving on .t'he western 'plains. IF, for about 110 minutes. It is neves- Th'e catado has a, hide 'which is eery' to tuba these calces over to similar to that of the buffalo, heavy brown lightly on both sides. th'i'ck 'hair and durable, snaking a_' Split and spread with butter At gen- warm cover. 'Those who h'av'e 'had a erously, covering again with ,.other chance to try ca'talo meat say Magi' ,,half and serve ,hot. There will not be has all the meat qualities of beef cat enough! tle. The r._'.s,:o carries a greater, pe-