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THURSDAY, MAY 5TH, 1938 THE CANADIAN STATESMAN, BOWMANVILLE, ONTARJO * fl'.312. J. LÂDJ.LL.. YOUR WORLD AND MINE By John C. Ksrkwood ________ It 15 flot often that any reader was that my tale, as based on a Of MY contributions to T h e book, had impressed itself on hier Statesmnan wrltes me - which is 'so ceeply that two or more years perhaps satisacory, for I would later hie spoke of it. flot want to have more corres- it is gratifying to a writer Pondnce hanI no bae wiien he learns that his writings take.s time to answer letters.Ye get the4acute attention of som e I have received a communication of bis readers, if flot of al o! from a woman - one whom I 'them. So I was happy when there know, and this is probably the came to me the following letter reason why she wrote me. ýShe f rom a cty woman who. every was enraged by that article about spring, leaves the city to live on the man in North Carolina - theancrort irulsrond man who had somethin- o a ngsacre r toandrurlerou nd- Ir, Praise of the piacid i n s hr h ndhrdgfn <Ounfolk 101k1in his anc true happiness; a woman who de- dwilngs e- 1ilghts to work in hier garden, soil-j ono North Carolina. ing hier hands, scratching them1 leHere I recall a wvoman visitc)r znd lier armis by lier contacts1 Waobadrea soethng ha with briars and twigs. tanning hier wr:ten for The Statesman two Or: skin with ail goodwcll, and getting more years ago - about a f amily aches and pains whýich in recol- w:btoiled on a hiltop farm in lection are pleasures. Hlere's what1 SomUe Part o! the Soutbern United my correspondent wriLes: Stâtes. I toici the story of aiCKi superfine book reaci by me - the K Story of a man and his wife and "Your f riends letter f r o mi "ýeir Young children,\ compelled North Carolina is interesting, but i;their poverty and by the bar- I cannot make up my minci thatt ' -nness of the soi of thir little the %vorld xas not given us - or ' fiîrm to leave their farm, in order: we put inta it to just '*set." tliat the husband migbt find work Naturally some solitude is good.r ini a near-by lumber camp. The but I would like to wager thatt mnother always regretted this the important discoveries were fliove. and longed to return to the made b3y people who did noV bidec bleak and lonely pat-ch on the themselves away f rom others. È mnountain. When her husband! "Wbat are the people sur-f was kMled. she took her Young rounding your fr'end doing for Children with ber back tca the the world except 'keeping them-b litlefar. elves alive in it? Are they clear-E I had praised this woman. To ing the land, making gardens o! me she %vas admirable every way. 'wbat was formeriy waste places?c Ye', MY vsitor, reared. I believe. The man w-ho worked wben lebe on a farm, did not s-ee eye Vo eye wa.s spurred Vo do so is juat a i 1with mie in my commendation of plain nuisance. There are many this woman. What pleased mie ight around me. andi they in-a CREDIT r Il belongs to you-the community sc does not own it. g É3ANKS live by lending. e e That is their major source of income, their principal business. They are always on, the lookout CI a for good risks. They have to avoid poor ones. i a Let us give an instance. Suppose, Say., a man le seeking a bank joan, is known to the banker as at having no business capacity to carry out the pur- t poses for which he wants the money. 11e is flot credit-worthy-he lias accumulated nothing, bas vi no stake. J!: th The banker, anxious though he is to nîake boans, knows there is flot the remotest chamnce that this mnn n would succeed in hs purpose and tells the would-be ne borrower that the bank cannot take the risk. Co: LBut tbis 'man has a friend-a an wbo bas accunîulated some- hngand lias a stake. Hearing of bis, neighboîr's difllculty, bce gocs to the bank and urges that the loan becnmade. Wbhose nîoney would you have nie ]end him?" asks the manager. "You bave a deposit bere. 'Would you lend your own monev?* "Nton your lif," retents Mr.e Blank. "Lend him the banl's money." The bank manager, as custo- dian of tins very man's own monev, îiben takes pains to point ont tat whaîtbe sub- stantial citizen is really expect- ing, is tbat tbe bank should make a loan which the cilizen's own conimon «sense and caution would 'compel him to refuse. Before such a man leaves the bank lie usually agrees that hie bad expected tbe bank te lend wbere lie himseIf would bce un- wiing. Banks have no magie source of credit. Here is tbe core of the wlîole business of a bank's extending credit. Because cf the bank's responsibility te ils depositors il can make loans only where repaynîent is reasonably cer- tain. To obtain a boan from a bank a borrower must bave credit cf his own. Seldom, if ever, is bis credit spendable. You cannet spendi caîîle, goods in process of manif;cture, uncaugbt fisb, un- cut îiLnber, or wlîeat in the gratISrY. The banik bas credit toc. 4ilnsof smal depositors ~Mviieffect, lent a tbeir ine.A percentage cf this ine;, based on bank expeni- ence of wildrawals, is kept in cash, some more in items cf a cash] nature, ntore stili in assets quickiv convertible into casb, and miore in safe investments s;ueh as marketable government and otiier bonds. Based upon ibis, the bank can ex tend credit. Because people bave confi- dece' in batik credit, and bce- cause every promise-to.pay cf a cbartered bank is redeemable in cash, on demand, or on a fLxed date, tijis form cf credit is spendable. In tbe case cf the borrower, credit is the personal possession or atîribute cf tbe individual- you yourself, if you are the bor- rower - in character, goods, possessions, integrity, ability and willingness te repay. Your credit is flot social, in the sense cf belonging te the community. When you have credit, it is your own just as your money in a savings ac- count is your own. Tbe people at large have no conceivable clairmi upon it. Wbo exebanges non-spend- able credit for credit tbat van bce spent? The answer for ail practical purposes is this: The mati who owns and therefore controls his credit takes the initiative. The bank does flot go te him. He goes tc the bank and asks ilt t enable him to obtain credit in spendable formi in excbange for bis own unspendable credit. The bank dees so; and charges him a rentai in tbe forîn of inlerest, until lie repays. What happens when be se. cures tbis credit in spendable form? He spenda it. He pays the wages cf labour, tbe cost cf raw materials and of manufacture; the cost cf seed, cf feed for iogs and cattle, cr tbe expenses cf cuiîivaîing and barvesting; cf buying bait or catcling fisb; cf cutîing trees or transpcrling geods. Tbe wbole banking process is made pcssible by the concentra- tion and cautions handling cf cîber peeple's money. Banks simply dare net risk tbeir cwn solvency and se jeo- pardize the safeîy cf tbeir de- positons' funda, by making boans te people wbc, have neither char- acter non credit-ner by mak-i ing lans even te these wbo1 bave botb, wtbout îaking every reasenable precaution le ensure nepaymenl. TUE CHA1ITERED BANKS OF CANADA 1-our local branch bank manager will be glad ta talh banldng 1i h you. Hie will be glati to anhwer your questions, from the. stondpoillt of hi. own experience. The next article in this ,,Mies wl appear in this flewapaper. JVatch for it. 4E ? - - 1 ni] qu been guest of Mrs. W. Cryderman. own, and Mr. Chester Power, Maple Grove. Mr. and Mrs. J. B. Mitchell are on an extended trip to Detroit, Chicago, New York, Atlantic dCity and Washington. Mn. Mitchell, vice president o! the Dominion Organ & Piano Co., is convales- cing a!ter a severe attack of pluro-pneumonia. Mrs. James CourVice, by great presence o! mind, escaped being run over by a runaway eam on King Street Monday. Seelng the horses rushing !uriously up the street, she ran into the courtyard of the Bank o! Montreal. The horses covered the very spot where sbe bad been standing on the pavement. Floyd Williams was sent to Co- bourg on a charge o! stealing five ires f rom the Goodyear. Dr. G. C. Bonnycastle attended the annual session of the Board o! Directors o! the Royal Coilege o! Dental Surgeons in Toronto on Monday. Mr. and Mrs. W. D. Smith, Hil- derlelgb, Wlnona, announce the engagement o! their only daugh- ter, Verna Rowena, Vo Mr. Gor- don D. Conant, Buena Vista, Osh- awa, the manriage to take place in June. Yieiding Vo the solicitations o! a great many citizens. Mn. P. C. Trebiicock bas consented Vo run for Council Vo 1111 the seat le!t vacant by the resignation of Lieut.' F. H. Morris. Mn. Southey decided to retire from the contest and Mr. TIrebilcock was eiected by acclamation. Mr. W. Dlngman, Mrs. E. W. Pattinson, and Miss Dlngman at- tended the fumerai of the laVe William Morecombe, Pickering, Tbursday. Birtit: Welcb - In Bowman- ville, April 21, Vo the wlle o! Mn. George Welcb, a son. Marniage: Bice - Wiggins - At Fort Morgan, Colorado, Apnil 16, Mrs. E. Stone Wigglns and Mr. Charles Merkley Bice. Denver. Deatb: Armour - In Bowman- ville, April 29Vb, Agnes F'anny, youngest daughter of the laVe Robt. Armour, Esq. report seeding done. Mrs. Wm. Courtîce Jr., presented her bus- band on the 22nd with a son... Mr. George Tingle and Mr. R. F. Richards have been improving -the appearance of their residences by painting them. Maple Grave:.*While a son of Mr. William Foley was ha.rrowing the other day, the horses turned around too short, upsetting the harrows and causing the horses to run away. One of them was thrown into the harrows and very badly cut. and is not expected to recover. Newcastle: The f irst schooner o! the season arrlved in Port on Thursday a! er a load of barley for Mr. Lockhart. . . Mrs. Thomp- son was stepping out of ber buggy on arrivai here from near Peter- boro to attend the funeral of Mr. Giendennlng, she sliPPed and feil. receivlng seriou.s injuries. . .. Mrs. Argali Who has been poorly for some time. died very suddeniy at ber homne on Sunday. It appears that site aVe her breakfast as usuai andl was sltting in ber chair about noon when she suddenly f el back and dled. Enniskillen: We welcome to our village Mr. D. G. Austin, hon- orary graduate of the Ontario Veterlnary College who bas set- tied down Vo the veterlnary prac- tice in our village. An egg probiem that puzzles the country readers: If a hen and a halfliay an egg and a half bow many eggs will six bens iay in several days. Any person who wiil give the correct answer Vo John Heliyar, Bowmanvllle, can geV a Pair o! boots or shoes. Mr. John R. Reid, Grand Mas- ter of the Independent Order of Oddfeilows for Ontario, pald an Official viV V o Florence Nighttin- gale Lodge No. 66, on Wednesday. Blrtb: Stapleton - Near New- tonville, on April 24, to the wlfe of Thomas Stapieton, a daugbter. Marriage: Alexander - Bleakiey - In Bowmianvllle on April 2àth, by Rev. R.. D. Fraser, Williami Al- exander, Dubique, Iowa, Vo Maria, Bleakley, Bowmanvllle. - - - - - - - - 1 i crease our taxes. They just ."t"1 Honor Dan McCowan and let the township take care o! 1 Vhem. Getting some work to do, ,-' '." Perhaps, in the summer, but let-] ting their own places go to rack and ru'n. "OQf course there are pienty o! parasites in tbe city. I imagine - Job saw pienty o! life - for bis day. And the Book that tells "- X about him also - I think - says ii a man will not work neither let him eat. What about the Butcharts in Victoria turning a gravel pit into a garden that is renowned aIl over the world? My going on the road I did bas pep- ped up the whole road and given inspiration Vo' more than the one 4 road. I started tbeir Horticuit- . '.. .. ' ... ural Society, and what a pleasure that gives the farmers and their wives! I haven't been Vo a meet- ing in years. I pay my taxes Vo help keep it up, but it's run in their own way, and that's ahl that matters. JC K "We used Vo get milk in a pail; now it is pasteurized. We used. to1 I)AN MCWN author and( have smaiipox rampant. I im- 1 natturalist wlio 0dcllghts visitors t( agine that the cures for many 1 flil Springs Hotel Nwitli lectuires ilîs were flot thought o! by people *f tîîc %voîîders of thie Canladian IJke those your friend talks about. Rckic. lias betin made a Fellov of It's likely that certain crimes - )u ological Societv. Tlie baoo those we read about in our own w%%1a, conferred toti hlm after lie de- newspapers - are fairly prev-alenV Iiered ait jlluistrated lecture before in his community because the tile so . t. at Regent Park on his people bave nothing higher than a-î ici aEnln. Meo the land for tbeir tboughts. nerfet mie for a canniv Scot,"'lie "I asked, what are the people fteil Sasa. -1 cani seil sceflerv to contributing to the world? What iir. . dk-p ttO is your friend contributing? our, field o! heipfuiness is preVty nar- .0w unless one by chance or fate cant identif y himself or herseil becomes a Ford or a McLaughiin. xith the wvork being done by the But I do believe that unless we Red Cross, or by the "Y". or by ail leave the w'orld. in some spe a churcb, or a charity organiza- cial - even terribly .small - way Ition. One van become a beauti- bettex' than it was when we came 1 fier of homes and gardens, or a into it. Our living is futile. f collector o! some worth-while "It's very int.eresting Vo read thing - books or pictures or glass about such people - at a dis- or pottery. One van become a tance - but they are merely the breeder o! purebred stock, or the encumberers o! the earth. I see advocate o! beneficient move- the letters appearing in rural ments. If one has the itch Vo papers. Wel, it is Vo be hoped write, let hlm write. Let bim build .hat they will noV make those ai- houses. Let him become a lectur- 'eady a nuisance in the rural er il bis gif Vs are along-thislune. communities become merely more Doing something useful - somne- set in their ways. If you have thing enriching life for others, or comte across those 'looking for relieving human sufiering and work and praying that they won't sorrow - is praisewortby use of get it', either in city or country; leisure. But just self ish employ- f you try Vo geV any intelligent ments, such as the reading of workdone round your house; then books, or the indulgence o! a de- 'ou will know that the curse we sire Vo travel, or just entertain- Lre passing on Vo the next gen- ing one's friends or being enter- eration is our present system o! tained by tbem. or the incessant relef - here in a vast country giving o! onesel! Vo frivolity in with Vhousands o! jobs Vo do. Our its many f orms, is noV using leis- ity streets and country roacls are tire worthily. adisgrace. Our Reeve tells me Our circle o! influence mae be bat the taxes are going Vo keep very narrow, but wîthin the amultitude of people leading the bud fti icew aeed bounds o! this circle weehaveeens bout, I simply cannot sec that lss opportunity to make the lives this is anytbing Vo gloat over."o! our neighbours more tolerable. brighter, more purposeful. J C K IV is "set" persons - those who I am sure that this woman's have settled down in idle content- iews wiil be approved by a ma-j ment - who are Vo be pitied. I )rity o! mY readers. The worst ClO-se witb these words wbicb I oing which van happen Vo us is hope many will etch on their > hiave n6thing Vo do. or Vo do memnory: There's a special work iothing. Idieness breeds slotbful- marked out for you. IV may be o! ess, and slothfulness tends to the lowest: it may be such as ,rrupt us. We deteriorate rapid-f shahl the loftiest powers employ. ywhen w-e have nothing Vo do. But none besides yourself your ife, like an uncultivated garden. work can do. ,rows weeds. IV is true, o! course. that ive ieed leisure - a rest from our toil. The goddess o! justice may be hether it be physical or mental. blind, yet she occasionally winks ut aIl leisure is bad. None o! us the other eye. îould envy those having nothing- If there is any one we would odo. except Vo kili time. If goodj like Vo impose upon. iV is the ortune makes w-age-paid employ- cbap w-ho is forever trying Vo geV nent unnecessary. then we sbould something for nothing. ot, because o! this circumistance. Give a small boy a piece of 1 noVbing. There are causes and chalk and he wili proceed Vo ýctivities for us Vo take up. One miake bis mark in the world. IN THE DIM AND DISTANT PAST From The Statesmian Files TWENTY-FIVE YEARS AGO FIFTY YEARS AGO rrom The Canadian Statesman, From The Canadian Statesman, May 1, 1913 May 2, 1888 Dr. James N. Hutchinson, Win- ipeg, bas been renewing ac- Courtice: Mr. L. M. Courtice is aainta4ces in Durham, having the first in this neighborhood. t, Phone 2653 W. J. CHALLIS King st., Bowmanville WHEN THE SPRING UNLOCKS' THE FLOWERS Wen the spring uioks thelu flowersi And tbe southern breezes blow,ý And the warmn south-western showers Swell the creeks with melting' snow; And the bîrds are aIl returning From the land where zephyrs play, And the rose tree and the lilac Are a-greenmng every day: And the robin in the morning In the big bare maple tree. Wakeri you with gentie warning, With his own sweet melody; And the new lambs in the heesp- shed, Frisk and frolic as lambs do, And the cattie in the barn yard, Have new music in their moo; Then the winter time is ended, And the summer's just at hand, When the spring unlocks the flowers, Spreading joy ail o'er the land. -Raiph Gordon. 628 Crawford St. Toronto. à N&ALTH SERVICE C e TUECANAOIAN EIA du CANADAIll IVHAT TO EAT TO BE4# HEALTHY Number Four Every individual requires Vo eat a certain quantity o! vitamin C to prei-ent scurx-y. A iack o! vita- min C affects the miles and miles - o! capillaries througbout the body. The !ollowin*g foods give you vitamin C: Oranges, lemons, and grapefruit, tomâtoes raw or fac- tory canned. and most raw fruits(D and vegetables. Vitamin C is very readily de- stroyed by heat. IV is essential, therefore. that everyone ake each day some raw fruit or raw vege- tables. Canadian lactory canned omnatoes are an excellent source o! vit.amin C because the cooking is donc without exposure Vo air. The iack o! vitamin D in the diet causes rickets in children. sol V bones and defective eeth. The foilowing f oods give you .LROM this great national -Community thrifty Canadians -is Life Insurance. vitamin D: Cod liver oil, and Cetfmle hogoîCnd other fish cils in liquid or cap- Cetfmle hogotCnd sule lorm, egg yolk. and sunshine receive Haîf a Million Dollars every So large are the payments of Life in summer. kn a. Insurance to policybolders and bene- A As this food element is noV ob- workng ay. s, that tbey far exceed the total tained in ordinary foods in nde- quate amounits. it is absolutely As a result, fatherless children are led, amounts distributed for direct relief by essential for every infant and clotbed and educated. Tbeir mothers are Dominion, Provincial and Municipal child, and very advisable for ever3-gaate oe opyth is n oenins aduit, Vo take some vitamin D dur- urnedmnytpathbil.Ad Gvr et. ing the winter months - f rom Oc- men and women, past their earning ~ ~ Isrnefo nypoet spoonful o! cod liver oil gives yo years, are assured financial security. as much vitamin D as 14 egg Canadian homes, but also performs a yolks or 1500 servings o! spinach. This community ches-made possible great national service in lessening the There are available in many parts o! Canade, specially prepared milk by the accumulated savings of 3,500,000 burden of public as well as private relief. and breaci wbich contain vitamin D. Much bas been said and wuit- ten in recent years about the vit- amins, but noV aIl that one hears and readLs about them is truc I EI S RAC Food faddists and exploiters have 1fI E IS UAC toyed with the vitamins extens- ively. They' have a very important: G UA RD IA N O F CANADIAN HOMES part to play in normal diet for normal people andi if you follow- carefuliy the information con- -8 tained in this series o! articles,.on E "What o Eat o, be Hlealthy" yu will secure authentic information and practical advice on the f oods________________________________________________ you should eat. The next article in the seriesJ "Fine feathers make thin poc- Silence is often the best argu-j Second thoughts olten act' as wiii deal with mineraIs in the diet.i ket books" so a married man says. ment. mental salety valves. THE CANADIAN STATESMAN, BOWMANVILLE, ONTARIO PAnl7 Ti4pprz SI MFRTt'IVÀMVIM IT 917y. FOR YDUR WHDLE FAMILY Canadas Dreateet Commulnity Cheet -Bowmanville