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EIGHT é}v FOR FUEL \Q ECONOMY and yearâ€"round comfort Insulation is not a luxury but a money saver which cuts as much as oneâ€"third from m“flflll! In Summer Wool acts as a SuDâ€" shade over your home â€" in Winter, it serves as a blanâ€" h&wnmmm e mm!‘lf““' lmgfymulnd ‘amily. One of the most important contributions to the health and comfort of your family will be your decision to give PENINSULA LUMBER BULLETIN A complete stock of plas« tering materials now in stock. UOnea omus staircase. Any of the above materials can be used in a temporary moveable frame. fi';'flnmmw‘oh to look after your reâ€" uirements _ continuously. !t-l in stock: Q\" w.nnmmt-mu euring a substantial quanâ€" %4,"x6" Cedar Bevel Siding. 1"x4" Jack Pine Flooring. 11/16"x5%" Fir Matching. 1"x4" Pine Beaded Matchâ€" xO ue" of modern insulation. PHONE 27 TOâ€"DAY For Free Estimate To GYPROc, WALLBOARD MASONITE \Better Read Y our \ Insurance Policy Important Judgment Handed Down In Case Of Perey An important judgment respect» ing fire insurance was delivered muwip_.uu_._pr jority decision by the Ontario Court of Appeal. Two of three judges ruled that an ordinary fire insurance policy does not cover a dwelling or its contents if the tenâ€" ant or tenantâ€"owner of the dwelling resides elsewhere for more than 30 consecutive days, even though durâ€" ing that time he may sleep or visit one or more times at the dwelling. ‘The majority decision was by Mr. Justices W. D. Roach and John <. Gillanders and reversed the judgment of the trial judge, Mr. Justice J. Keiller Mackay, who at Hamilton awarded the plaintiff, Percy Lambert, $1,150 for los« and damage by fire March 22, 1943, to a dwelling and a barn in North Grimsby Township which he had insured June 18, 1942, for three years with Wawanest Mutual Fire Insurance Co. A dissenting opinâ€" lon was written by Mr. Justice J. C. McRuer, who agreed with the overnight stays at the dwelling constituted occupancy of the dwellâ€" ing within the meaning of the Inâ€" trial judge. Costs were awarded to the insurance company. surance Act (R.S.0. 1937) clause which states that "Unless permisâ€" sion is given ly}h,alley“_"{‘_ not be liable for loss or damage 0¢â€" when the building insured. mmmlm is to the knowledge of the insured, vacant or unoccupled for more than 30 consecutive days." ‘This clause covers all ordinary fire inâ€" surance policies in Ontario. The trial judge found that "at no time did 30 consecutive days elapse in which the plaintiff did not spend some time on his premises." Average Three Births A Day T. J. Agar, K.C., argued the apâ€" peal for the insurance company, and H. A. F. Boyde, K.C., acted for Lambert. Evidence was that the plaintiff, Lambert, in January, 1943, had acâ€" cepted work at a hotel in Grimaby, lived most of the time at the hotel, but made overnight and weekâ€"end stays at his farm dwelling in which he had left all his furniture except a radio and two rugs. period were mere visits, and not for the purpose or with the thought of continuing or making the farmâ€" house in any sense his regular In dissenting from the majority decision Mr. Justice McRuer said: "When the owner of the farm was there living in the house and sleepâ€" ing all night, can it be said that on that day the dwelling house was unoccupled? If it cannot, then the policy was still in effect at the time of the fire." when Lambert left his home to work and live in the hotel the home "was continuously unoccupled" in that it was not Lambert‘s "habitual plmdnodo."ndtlnhuoe- casional visits did not constitute year ;:e;'nny. "It is the very situation against the hazard of which the deâ€" fendant (fire insurance company) is protected by statutory condiâ€" tions," he said, referring to the "occupancy clause." Mr. Justice Gillanders, in conâ€" curring, said: ‘"The occasions on which the respondent (Lambert) was in the farmhouse during that Ho, hum! When a man trifling troubles he is about yours. Grimsby In 1943. ALEXANDER HARDWARE Hamilton â€"â€" Ontario Company, Limited THE Roach ruled that THE GRIMSBY INDEPENDENT speaking eighteen Scouts away on a Nhâ€"â€"‘ Don McAlonen, the Great Fireman, in our midst. Afâ€" ter beating trails past many a snowbound farmâ€" er‘s door we finalâ€" ly slithered to a stop in the 47 en Forty. As the snow fell silently among the great Spruces each little Tenâ€" derfoot was busy lighting his fire. Soon five columns of smoke were curling quietly toward the sky â€" but there was the "Great Fireman" blowing, puffing and tearing at his golden locks â€" little fire no go. Farther down sat "Schwabie" and "Buck" enjoying some fine steaks, chops and fried potatoes. While in the sheiter of a massive boulder was Bob Fisher and crew singing "Smoke Gets In Your Eyes". His knees knocking and his toes curied by the sharp frost stood "Boogie" lq‘uunnn-ylumhllld ‘*"who knows what". ‘The Waitersâ€" |Wldodu¢wtn-nhothmd a great feast. McALONEN FAILS TO LIGHT FIRE After Bert Buckenham h ad shown everyone his fruit cakeâ€"the only dessert on the hike, we packâ€" before next meeting . ‘Thanks to "the Independent for the Facts and Fancies article, "One For Boy Scouts", last week. The oldâ€"time statesman was difâ€" {erent. He told his constituent: how much money he had saved fo: them instead of how much he hac secured for his district. All Scouts are advised to read Boy Scouts home of the frozâ€" ‘The A.S.M. NFY V.Â¥ CGRIMSBY December because of the storm, has been set for January 25. In the evening at eight o‘clock Mr. H. R. Beattie, Director of Educaâ€" tion Guidance for Ontario, will| show motion pictures on "‘You and Your Future" and other educationâ€" al and entertainment films. He is to be accompanied by a representaâ€" tive of General Films. ‘This will be a most interesting and educational evening; all the public is invited. Don‘t forget January 25 at 8 w‘clock. Everybody is welcome. e e ® ‘Those pupils that stay at school for lunches are really well fed now. Hot cocoa and doughnuts; hot soup and biscuits are being served alter> nately during the week at a nomâ€" inal charge. * # e Some of the Fifth Formers cerâ€" tainly enjoy themselves in that third period spare that they get. ‘They‘re entertained by that "Grueâ€" someâ€"Twosome" or the "Arkellâ€" Pettit Bachelor Club." ® e o% Friday afternoon‘s entertainment wasn‘t as bad as expected. “\ 13‘s imitation Sandy Marr, V.C., D.8.0., went over big. On to the stage tramped a soldier with a uni« |form obviously eight or ten sizes | too big with shoes that could have six "aboutâ€"turns" without moving. Grade 12 had a demonstration of SPEC!AL: The Educational Guidâ€" knives and axes! Grade 10B had an amusing readâ€" ing of "Frankie" by Stevie! Grade IX had a plano solo by the talented Steven Hooper, Grade 10A had a new history teacher â€"Lewis Jones who thinks Vol High School Around The â€"â€"â€" BÂ¥ JANIE â€"â€" [ pNK 122 fls '”“.“O Y Cmee w aRTIMe coâ€"0PERATION MRS. BROWN § YOUR T'M"Kf .f.o.fpnan Shopping has been difficultâ€"no doubt cbout i. You‘ve had to contend with rationing, temposary wnaveidable wartime restrictions. The friead?y coâ€"operation and loyalty you have shown ore highly valued by the staff of your Dominion Store, Io-muvw-ho-“ way, with a "Thank You" Sale. Our buyers have gone out and scoured the market for this event. t brings you the most ovistanding food values ICEBURG LETTUCE GRAPEFRUIT Florida Full of Jubce LEMONS JAM DESSER‘ 9- PYI # :ll L # ';l RED PLUMS Grove Stonev Creek Berrviand Cholce All merchandise sold at your Dominâ€" lon Store is unconditionally guarâ€" anteed to give 100% satisfaction. pectin + with that the text is just a bit twisted. ® * ® Here‘s that President‘s column "mrormm-uu-muml making. As yet no date has been set but it will probably be around the first week in February or the last week of January. We intend to give the proceeds to a very worthy community cause which will be announced later. Back us up will you? Notice to Creditors AND OTHERS IN THE ESTATE OF AILEEN MURIEL McCALLUM, Deceased. All persons ha claims the Estate of lflm m McCALLUM, late of the Town of Grimsby, in the County of Lincolin, who died on or about the 7th day of September, 1944, are hereby notified to send particulars of the same to the undersigned on or beâ€" fore the 12th day of n-‘z' 1945, after which the Estate be distributed with regard only to the claims of which the undersignâ€" ed shall then have notice, and the w:llluthmto any person whose claim they shall not then have notice. ’m?“‘mtfllfidud o'mmnuncourm OF CANADA. _ 70 Richmond Street West, German, Howard and Rapoport 9y their Solicitors berein The Quality Tea 20 oz tin TEXAS, 96‘s DOZEN CALIFORNIA 16¢ T CE A (Onlifarnia Novel Catell!_Cooked 20 SPAGHETT! . .*%@ 12 Domino MINCEMEAT . 38. 25¢ Clark‘s CALIFORN!IA Avimer Sweet Wafer VALUES EFFECTIVE THURSDAY, FRIDAY, SATURDAY, JAN. 18, 19, %0 Thursday, January 18th, 1945 ROXY ThearrE MON. â€" TUES., JAN. 22â€"23 John Wayne, Elia Raines Pardon My Gun WED. â€" THUR., JAN. 24â€"25 Kay Kyser, Ann Miller st Day, THUR., JAN. 18 Joel McCrea, Betty Field DOMINION STORES LIMITED 55° 6 029 Carolina Blues Louisana Hayride Matinee Saturday The Great Moment â€" SAT., JAN. 19 â€" 20 Tall In The Saddle TELEPHONE 88 Judy Canova HEADS 16 oz. jar 19° 21¢