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v worlds ten most charming persons expert heads list with prince of wales if you havent got charm dont des pair you may acquire it this is the opinion of margery wilson charm expert author and former motion picture star who entered the limelight recently with her selection of the worlds ten most charming persons she is at variance with people who contend you are born with cbarni or you are not after all this attrac tive authority on the subject says you move if you dont like your house and you change your makeup if your face doesnt please you so why not change your personality if in so do ing your benefit yourself cant change individuality individuality cannot be changed she asserts nor would one want to at tempt that individuality is exactly what a person is deep inside per sonality on the other hand is what ever you make ft theu why cot make it charming sir james barrle wrote if you have it charm you dont need to have anything else and if you havent it it doesnt much matter what else you have margery wilson agrees with barrie up to a certain point she would sup plement his words with a few of her own and if you havent it get busy and do something about it linked with poise charm is closely linked up with poise poise comes by keeping every thing inside of you in order once you accomplish that start thinking al ways of others and not of yourself keep the good old spirit of giving- not of receiving predominant in your thoughts and charm eventually will be yours the tall brownhaired woman with smiling eyes and a pleasing mouth that turns up at the corners says that uo utterly selfish person is ever charming and that brings up the ageold subject that good listeners gain a reputation as being charming just listening however isnt enough you have to be an interested listener miss wilson admits that selecting her celebrated list of the ten most charming people in the world was no easy task if she could have chosen eleven people instead of ten mary review favourable year for royal bank of canada strong position maintained the annual meeting of the share holders of the royal bank of canada marked the close of a most successful year sir herbert holt president in his address struck an optimistic notewhen he stated that he considered that can ada w as now definitely on the upgrade its progress however was being re tarded by too heavy taxation and the cost of maintaining so many govern ments in the country was rapidly be coming unbearable morris w wilson vicepresident and general manager in his address reviewed the outstanding features of the strong statement of the bank the feature of paramount importance in connection with the possible formation e1 v feeling that indications pointed to the initiation of a substantial re- sir herbert holt president takes strong view that canada is now definitely on the upgrade j morris w wilson vicepresident and general manager reviews strong statement j the hesitation and uncertainty which precede a change of administration since last march quite material pro gress has been made it is difficult to analyze the effects of their policies and impossible to prophesy the outcome their centra idea that an increase in the price level must be obtained is sound common sense and is now quite generally accepted as such throughout the world at our annual meetings of the last three years we have empha sized and reemphasized the necessity for a higher price level i see no rea son why it cannot be achieved in due course ir closing sir ilerber holt said a our last annual meeting i express- aoeaeeaae smiles of a central bank added mrwiison would be the quality of its manage nient presidents address sir herbert s holt president in moving the adoption of the directors report said in part the c4th annual report and balance sheet submitted to you today disclose the strong position of the bank while balance sheet figures are somewhat smaller than those of a year ago this reflects a falling off in international deposits rather than contraction of canadian business in fact a notable feature is an increase in canadian demand and savings deposits during the year the liquid position is emin ently satisfactory as you would ex pect the restricted demand for com mercial loans and the resultant in crease in our holdings of less remun erative assets in the form of dominion and provincial government securities has combined with other factors to re duce profits in april last the divid end was reduced from 10 per cent to s per cent and the last three quarter ly dividends have been paid at that rate the improvement which jias taken place in business during the last six months has already had a bene ficial effect on earnings referring to the situation in canada the president said i am glad to say plckford the toronto girl who became that since we last met there has been the most famous of motionpicture a distinct improvement in canadian actresses would have been on the list mary pickford herself is greater than any work she ever has done and by that i am in no way belittling her work miss wilson said the list the prince of wales benito mus solini the queen of slam lady nancy astor albert einstein president kranklin d roosevelt mrs franklin d roosevelt mrs calvin coolidge mrs emily post and ed wynu were selected by miss wilson for her hall of charm the prince of wales radiates charm miss wilson says and benito mussolini though commanding re mains personally a modest man president roosevelts charm is the kind that inspires confidence mrs roosevelts wholesomeness is the true keynote to her attractive personality miss wilson says that mrs coolidge was the first person in the united states to start a change in present- day manners and modes our return to gracious manners moderate dress and a greate sympathy with human nature can be attributed largely to the standards which mrs coolidge set for us loving life loving life and being happy about it is a point the charm authority stresses no one has any right to inflict his personal sorrows on an al ready overburdened world lift your chest turn up the corners of your mouth and watch the effect you have on people with whom you come in con tact she attributes ed wyuns charm to his little boy qualities she thinks that no matter how great a man be comes his true charm ho in retain ing a certain naivete at least that la what endears great men to the hearts of great women aid she adds evry great man has had a great woman in his life it is an entirely different character istic which endears a woman to a man sho says womans inconsist ency makes a man love her being charming and radiating a warm personality doesnt mean that wo have to bo conscious of our own appeal miss wilson says that a per son who learns to be charming merely to further his own personal gains financial or otherwise will eventually lose that charm one is reminded of tho words from a certain song they go something like this give to the world the best you havo and tho best v hi come back to you lessons in psychology margery wilson got her first lessons in psychology from her father at the ago of seven ho had her figuring out why people who passed by their porch acted embarrassed nnd ill at ease later sho went to hollywood with her sister who was trying to get into the movies d w griffith saw mar gery wilson and gave her a part with lillian gish jn intolerance her performance met with approval and bill hart choso her as leading lady for his next seven or eight pictures her own greatest charm is her sym pathetic understanding of human na ture y i business i have had the opportunity of seeing this country recover from depressions on various occasions dur ing the last fifty years and the present movement appears to be taking place along the accustomed lines as soon as world trade commences to revive there is an improved demand for cana dian raw materials canadian exports increase substantially surplus inven tories disappear and greater activity in the principal exporting industries provides additional employment with a consequent improvement in purchas ing power and domestic trade this has been the sequence of events in canada during the last six months the railway situation dealing with the situation of the government railways sir herbert ex pressed the opinion that the time for half measures had passed and that bold and courageous action was re quired he felt that the views ex pressed at the last annual meeting that enforced cooperation between the two railway systems would not be a satisfactory remedy had been con firmed by the experience of the past year and is still of the opinion that the maximum of economy can only be ob tained by some form of administrative amalgamation the president made a strong demand for a reduction of governmental dehts and pointed out that the cost of main taining too nunjerous governments federal provincial and municipal was becoming unbearable he said greater activity in business will re duce unemployment produce increased revenues and a reduction in disburse ments for public relief advantage should be taken of these developments to reduce debts rather than increase expenditures conditions in other countries in referring to conditions in other countries he expressed the view that the low point jn the depression for most of tho world was reached in the latter part of 1932 and since that time there has been a general increase in international trade reference to tho united states was made as follows while business in tho unitod states commenced to improve about the mid dle of 1932 it later suffered a relapse duo to their banking difficulties and covery in 1933 this year it is possible to go one step farther and to venture the opinion that we are now definitely on the upgrade if we deal intelligent ly with the main problems that con front us we can expect within mea surable time a return of general pros perity general managers address mr v w wilson vice president and general manager in referring to the position of the bank pointed out that liquid assets totalled- 3g24i000 and were equal to 5f76 of public liabilities compared with 52ss of the previous year a notable feature is that 2426 of such liabilities is re presented by cash and cash balances aggregating 157699000 he mention ed the further interesting fact that in canada current deposits increased about 17000000 during the year and savings deposits were higher by 2- 000000 in discussing the proposed central bank he recalled the hope which he ex pressed at the last annual meeting that the government would see fit to have the project examined by a body of ex perts and said the royal commis sion on banking and currency which was constituted last summer could not have been better chosen under the chairmanship of lord macmillan their sittings in all parts of the country were notable for the freedom with which all possible evidence was re ceived and for the patience and tact displayed in dealing with the material submitted while i do not agree with the report in its entirety i believe that a properly constituted central bank can be developed as a useful ad junct to our banking system note issue mr wilson expressed the strong opinion that the recommendations in the report with respect to the gradual withdrawal of the noteissuing privi leges of the chartered banks did not appear to be in the public interest retention of these privileges would not hamper the central bank in its efforts to control credit in this con nection he quoted an editorial which appeared in the london economist to the effect that the central bank would not be in the least weakened by allow ing the chartered banks to retain their present issues under the present restrictions mr wilson went on to say i think therefore that we should view the elimination of bank note issues not as a step which must inevit ably accompany the creation of a cen tral bank but as a separate matter en tirely the real question is whether the government desire to have bank ing service maintained at many small points throughout the country or to appropriate the revenue of note issues to themselves i believe that the gain to tho government would not offset the loss to the public through curtail ment of banking facilities unques tionably there are many places which could no longer support a branch bank if note issuing privileges were to be withdrawn the operation of a num ber of small branches at a bare margin of profit is characteristic of banking in this country we have a system which in many of its aspects is native to the dominion and prudence should prompt us to be very cautious in advo cating fundamental changes in conclusion mr wilson said at our lrst annual meeting i ventured to suggest that tho prospect of further improvement in the coming year was very much more hopeful than it was tho previous year that prediction has been borne out by subsequent develop ments for the first time in years an attitude of quiet but cpnfldent optim ism is in evidence almost everywhere many problems still have to be solved but i have full confidence in theabilitv of canada to share in the continued improvement in economic conditions which i believe lies ahead of us aaaaeeeaeaeaea i called on mabel last night and i wasnt any more than inside the door before her mother asked me my inten tions that must have been embarrass ing yes but thats not the worst of it mabel called from upstairs and said that isnt the one mother whats the idea of the greens hav ing french lessons theyve adopted a french baby aud they want to understand what it says when it begins to talk neighbor ive come to take my wife home hostess oh mr jones why didnt you come sooner mfc sli m m j scott s 1 emulsion richinivitairllns wife the couple next door seem to be well devoted he kisses her every time they meet why dont you do that husband i dont know her well enough yet excited customer to druggist look here you gave me morphine instead of quinine this morning druggist is that so theu you owe me another half dollar the minister was paying an appar ently neverending visit to the home of one of the members of his flock the little daughter of the house went up to her mother and in a stage whis per said hasnt he brought his amen with him a chinese in new york entered the office of a lawyer and asked the fee required to get him freed on a charge of murder lawyer oh 500000 i guess chinese counting out the money vellee good now i go killee man it certainly takes a mathematician to figure out how 80 per cent of the dentists recommend one brand of tooth paste s9 per cent another while the remaining 5 per cent choose a third brand employer i am told you put down your pencil en the stroke of five oclock even if you are just adding up a column bookkeeper it isnt true sir if it is so near 5 oclock i never start adding v then there is the young fellow who calls his girl checkers because she jumps when he makes a bad move country club diner this spinach does not taste right waiter i suggest sir that jou take it up with the greens committee mother hows this for a come back why didnt you tell m when he kissed you hissed why mother i didnt know you wanted to be kissed to assure yourself that you will en joy a magazine first lick up the pre ceding issue and read the announce ment of the contents for the coming number j father to his daughter its a good plan my dear always to think before you spea daughter but daddy dear when i do that the girls have c anged the subject fine feathers make fine birds hollywood some may say beauty is skin deep but jacques lenver avers it is but clothes deep athletes foot ringworm infection skin troubles yield quickly to d d denwv liquid pre- criplion made nd guaranteed w themakeraofcampanaaltalian rflalm trial bottle 3so at your drufgiat u ct just a matte- of color and iine beauty is chatted the paris style creator who lev- a plane in the war before he started making womens gowns it is a matter of concealing and revealing he said concealing bad points in face and figure and reveal ing good ones the right kind of clothes can make some are born grct some have greatness thrust upon them and the rest grate on your nervi mistress come come mary how- much longer is it going to take you to fill that pepper box mary a recent immigrant from where pepper castors are not used sure maam and its nieself cant say how long it will take to get all this snoezy stuff in this thing through the little holes in the top of it the trouble with minding ones own busines sis that it takes him to so many uninteresting places probably the reason so many young fellows are crazy about married women is because they never married one probably the first thing when the letter canr gets homo his wife wants him to go for a walk mother had taken only three lessons in mind reading before she de termined to get a divorce from daddy a good definition of an optimist is one who used a paper weight to keep his bills down the weekly newspaper turning from th city newspapers to the small town press exchanges that come to the editors iauc is like stepping from the slums full of vice into an old fashioned garden sweet with lavender and thyme and the scent of perennial flowers the pages of the big dallies are full of murder thievery immorality and selfishness that the better news is obscured by these glaring shatterings of the decalogue one puts the papers aside with a feeling of depres sion and heartache that the world is so full of terrible and unhappy things then picking up the papers that record the happenings of the little towns around us one gains renewed faith in life here are set forth only that which uplifts a community the activities of the business men the church items the happy social gatherings of the people the thous and and one daily occurences that make up the simple annuals of the great common people who are really the foundation of this broad country of ourb scandos are rarely published in country newspapers but if it so hap pens that decency demands it the uglier details are omitted or given a kindly touch that is widely differ ent from the unfeeling publicity of the city press the offenders may be our neighbours or people who have rubbed elbows with all our lives they are real human beings to their town people while to the great city dailies they ar merely grains of a sort that are ground out hourly in their news mills sometimes people speak lightly of the country newspaper but it is one of the most potent and uplifting fac tors in our national existence from the christian science monitor learn to be charming by correspondence cleveland health and handsome ness may be a big help but in the opinions and hopes of some 900d cleveland girls poise and pleasant conversation go a long wa toward making a girl really charming these girls are riiembers of the as sociation of adventurers a charm school on a group correspondence basis which had its start in a health trial when officials decided the tuber culosis death rate for cleveland girls was still too high the district dairy council the academy of medicine and other organizations are the sponsors a few years ago says miss vir ginia r wing chairman of the advis ory committee for the association girls only had to be lovely when you pick a girl now you dont want a dumb cluck you want someone who does things and talks intelli gently each girl has been given a book for the charm course in which she pastes her picture for eight months the com mittee will correspond with girl groups telling them how to be a hos tess or a guest how to pay a compli ment what to say in a given situa tion and such things as admonitions about clothes and alking for charm as well as health at the end of the eight months a second picture will go in each bock the difference will be charm there are no prizes charm being considered its own reward the will to win you may have to travel the drear road in search of your dally bread you may have to carry a mansized load on feet that weigh like lead the road may be longer than you sus pect discouraging steep aud bad but keep up your heart and your head erect and never say die my lad youre sure to find hurdles here and there aud you may be oft at fault but where theres a will theres a way somewhere to prove that youre worth your salt strive hard to forget when you need a friend though friends you have often had remember that courage will always lend you faith in yourself my lad faith hope and ambition will help a deal and so will a cheerful smile the tougher the going the less youll feel disheartened and mile on mile youll carry your load through the lasting strife and some day feel mighty glad because you hcl courage and faith in life and faith in yourself my lad 7ilaymor i atlantic city si e preeminent hotel achievement j classified advertising an offish to bvbky inventor list of want inventions ano full information eent free tho ramsay com pany world parent atimv il rank r nwn antnlii coax aitd cost coal write ouh wholesaih department for quotations on steam coal the m lines 0al co ltd toronto cofclection bepb walsted district representative to secure professional and mercantile accounts for collection good remunera tion 416 1c9 yomjo street toronto stomach bxipscr gems from lifes scrapbook resolutions be not too slow in the breaking of a sinful custom a quick courageous resolution is better than a gradual de liberation quarles good resolutions should not be confined to one day in the year but rather should be made and performed perpetually and adhered to with all the loyalty of ones understanding of truth amanda golbath christian science journal firmness of purpose is one of the most necessary sinews of character and one of the best instruments of suc cess without it genius wastes its efforts in a maze of inconsistencies chesterfield resolve aud thou art free long fellow do not for one impulse forego the purpose that you resolved to effect shakespeare dkestoxb the tonic that aids digestion relieves indigestion las stomach disorders constipation at druggists or by mall si dlgestono mfg co kingston out that depressed feeling is largely liver wake up your liver bile without calomel ten 9x9 feeling punk iimply because you flver isnt pouring it daily two pound of liquid bll into your bowels dilution and elimination re both tampered and your astir system is being poisoned what you need is a over stimulant 6ome ihlogthat goes farther than aalt mineral water oil taiative candy or chewing gum or roughagsj which only move the bowels igcoilbg the real ause of trouble your liver take carters little liver fthb purely vege table no harsh calomel mercury safe burt as for them by name refuse substitutes 00 at all druggist 83 after accident she put on weight kruschen took it off again a woman sends the following ac count of the consequences of an auto accident in which she was involved a year ago i had a very bad auto mobile accident which left me more or less a cripple having to lie in bed so long and being unable to move i began to put on flesh when i was able to walk a little again i found i was hi lbs aud being just under 5 feet yon may guess how i was placed so i thought i would try kruschen salts and i must say they have done me a lot of good in every way but chiefly in keeping my weight down in three months i lost g lbs then i left off taking- the kruschen and i soon went up to 142 lbs again so at once i got more kruschen and am again steadily reducing my weight last month was 13- lbs mrs v ii m kruschen combats the cause of fat by assisting the internal organs to perform their functions properly to throw off each day those waste pro ducts and poisons which it allowed to accumulate will be converted by the bodys chemistry into fatty tissue 15 billion tons of water necessary for wheat crop toronto upwards of 7000 tons of water are needed in the production of a single bushel of canadas 400- 000000bushel wheat crop the figure is based on a computation made by canadas chief weatherman john patterson the director of the domin ion meteorological service mr patterson has a flair for meas uring the influence of weather on various phases of canadas national life when he is not busy trying to find out when cold spells like the present are likely to end so he has found mother nature operates the biggest transportation system in the world every year sho has to lift betveen 30000000000 and 40000000000 tons of water from sea and lake and carry it thousands of miles to drop it on the wheat lands of- western canada between 12- 000000000 and 15000000000 tons oi this must come during the growing season a little shortage a iittlo ex cess or a little faulty distribution means a partial or total crop failure a daily creed for the new year let me ho a little kinder let be me a little blinder to tho faults of those about me let me pray a iittlo more let me be when i am weary just a little bit more cheery let me serve a iittlo better thoso that i am striving for let me be a litte braver when temptations bid me waver let me strive a little harder to ho all that i shoum be let me be a little meeker let mo think more of my neighbor and a little less of me few vagrants in mexico mexico late judicial records show v that among the 10271 criminal tiials the homely woman goodlookinc the i si i irorvdiookirw r z mexico last year there were only two cases of vagrancy the list ii- goodlooking woman beautiful nnd the beautiful woman superlative al ways o food for thought tho greatest number of deaths in eluded 2c9 homicides- and 72 kidnap pings in all 12053 culprits were jailed h ta t tr joy is a serene and sober mo- the toronto hospital for sick cull- and ar6 ro that dren are the- results of complication tak0 for voicing seat of head colds and not disturbances of u a wu am there n cheer- tho digestive system which are fulness like the resolution of a brave use an absolutely smooth pan foi the omelet else it will slick entirely preventable mind sencctv a few sips a few cents coughs colds gone buckleys mixture i not cheap pre- paradon but if takes to liula it to com pletely banish couch or cold that it cost far let than any other preparation buckley it to marvellously good that on dote givee unfrulfakjbla relief two tfoeea may top yonr couch or cold entirely goodtry to sickening rup and dopey prcparationa tab buckley it tceana ee wrc instant relief from couch cold flu or hronchiua if act like a math atngu lip prove if play safe refui substitute buckley is told verywhacev rural mail anniversary twentyfive years have now passed since the great boou of rural free mail delivery was first given to the farm ers of this country this was one of tho most acceptable measures in troduced by th lauiier ministry and it took form on oct 10th 1908 dur ing the regime of the hon rodolphc lemieux as postmastergeneral the official record of rural free mail de livery in canada is given as follows a system of rural mail delivery was j inaugurated in canada on oct 10th 1908 limited at that time to existing stage routes persons residing on such i routes being entitled to have mail boxes put up in which the mail car rier was to deposit mall matter and from which ho was to collect mail matter and carry it to tho postofllcc as a consequence of the public ap proval of this scheme new regula tions taking effect april 1st 1912 made all persons residing in rural districts along and contiguous to well- defined main thoroughfares of one milo and upwards eligible to receive their mall in this manner while cour iers on rural mail routes were also re quired to sell postage stamps and take applications and accept money for money orders and postal notes tho result has been an increase in the number of rural routes from ap proximately 900 in 1912 to 4315 in 1932 having 235755 mail boxes as against approximately 25022 ln 1912 tho establishment of these routes has been an important factor in the amelioration of conditions of canad ian rural life gananoque reporter general knowledge the following selection of answers given by indian students in a general knowledge examination seem to be somewhat fresher than the usual schoolboy howlers cochineal in cochin the maha ranee is called the cochineal snipe a term of abue used onlj by soldiers ostrich the female of tho camel greenwich the centre of thj world where latitude longitude an the equator all meet for six monthj there is always midnight and for sij months always midday and thcreforj the correct time can always be tkei from greenwich municipal office very useful for sanitary purposes 1 i ihe world famous remedy for liver stomach troubles host do have romo more duck miss stunner bashful guest no more thanks host oh do heres a nice little leg just your size health means charm and happiness sparkling eyes and smiling lips speak of health and vitality clear skin attracts the healthyactivegirl is both happy and popular perhaps you are not really ill yet when the days work is done you are too tired to enter into the good times that other women enjoy for extra energy try lydia e pinkhams vegetable compound it tones up your general health gives you more pep more charm remember that 98 out of 100 women report benefit let it help you too issue no 434