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The Oshawa Cimes 86 King St. E., Oshawa, Ontario T. :L. Wilson, Publisher THURSDAY, DECEMBER 19, 1963-----PAGE 6 Way Clear For Ontario Loan Shark The way -is now clear for the Ontario government to crack down on loan sharks. The Supreme Court of Canada has upheld the consti- tionality of Ontario's Unconscion- able Transactions Relief Act -- the act which empowers a court to grant relief in respect of money lent where it finds that the cost of the loan is excessive and the transac- tion harsh and unconscionable. The court's decision will undoub- tedly have far-reaching implica- tions in the field of interest, par- ticularly in provinces which do not have legislation similar to Ontario's. Cost of a loan is defined in the Ontario act to mean, among other things, the "whole cost to the deb- tor of money lent and includes in- terest, discount, subscription, prem- ium, dues, bonus, commission brok- erage fees and charges." Ontario's Attorney-General Cass says the Ontario government will now consider the imposition, of spe- cific curbs on credit transactions under. the terms of the act. He has noted that the act contains the Crackdown necessary stipulations -- "all we have to do now is put the legisla- tion into action." The act had been in the books for decades, but had lain more or less dormant until it was amended in 1960. Then several actions were instituted, and one loan company against which action had _ been taken appealed on the ground that the act was beyond the powers of the province since it dealt with in- terest rates, a federal concern. That led to the Supreme Court's fully reported. in this newspaper earlier this week. decision, About 80 cases were held up when the Ontario Appeal Court ruled the act invalid last Most of complaints seem to involve loans by small loan companies persons trying to pay off second mortgages through monthly installments. One lawyer has been quoted as saying: "When they get to the end in three or four or five years, they find they owe more than the amount they originally received." This can result when a loan shark demands a bonus as well as a stiff rate of interest. year. the to How To Shock People Several suggestions have recently been made that a larger portion of tax revenue should be collected at the retail level. More than one brief to the Royal Commission on Taxa- tion has proposed 'that reductions in corporation income taxes or in the manufacturing means of in- sales taxes. sales taxes at level be made up by creases in retail level The advantages of this to a manu- facturer should be But another argument.is that the collec- tion of taxes at the cash register is, as one manufacturer put it, "the only way we have of bringing home to the public the cost of the things that the public is demanding." One suggestion made to the Royal Commission on Taxation at an Ottawa hearing was that the federal sales tax,-now. imposed at the manufacturers' level, should be combined with provincial retail sales taxes, should be collected by one administrative process, and should then be both 'ovls of government. obvious. shared by Commenting on the suggestion, one of the commissioners added the thought that if. the and provincial sales taxes and, in some taxes, federal cases, excise were. grouped together for the public to see, they might get a "terrible shock." It can't happen, of course, but if the public were to pay all government: spending through one national consumer tax they cert- ainly a terrible shock. Last year, not including intergov- ernmental transfers, total govern- ment 'spending came to $13 billion. Since retail spending in the year this imagin- for would get came to $17.5 billion, ary retail sales tax would have had to have been at the rate of 75 per cent, or 75 cents on every dollar spent at the cash register level. A $20 shopping bill would have re- quired another $15 for the tax. And if the consider the point that in one way or another and without even know- ing it. the ing a tax bill of just that proportion. idea -is a_ shocker, nation really 'is pa) Simply Not Interested Douglas Fisher (NDP, Port Arthur) establish Canada needs. an. ombudsman system, along the lines of that be- ing used in New Zealand. and Scan- dinavian countries. It provides for the appointment of a '"parliamen- tary commissioner", or several of them, whose duty is the protection of the citizen against overweening bureaucracy. The duties of an om- budsman have been discussed several times in these columns. There is little chance of such an appointment, however not .in the forseeable future. Not enough members of Parliament are in- terested, Indeed, it may be quite possible that not more than a hand- ful of our high-priced hired help on Parliament Hill even under- stand what an ombudsman is all about. On Monday, during the private members' hour in the Commons, The Oshawa Sines T. Li WILSON, Publisher C, GWYN. KINSEY, Editor The Oshawo Times combining The Oshawa Times (established 1871) and the Whitby Gozette and Chronicle (established 3 {Sundays and Statutory ho Canadian Daily Newspaper Publish- ers. Association. The Canadian Press, Audit Bureau of Circulation and the Ontario Provincial Dailies Association. The Canadion Press is exclusively entitled to the use of republication of all news despatched in the paper credited to it or to The Associated Press or Reuters, and alto the local news published therein. All rights of special des- patches ore also reserved. Offices Building, Avenue, Ontario; 640 Montreal, SUBSCRIPTION RATES Delivered by carriers in Oshawa, Whitby Ajax, Pickering,, Bowmanville, Brooklin, Port Perry, Prince Albert; Mopie Grove, Hampton, Frenchman's ,Bay, Liverpoe!, Taunton, Tyrone, Dunbarton, Enniskillen Orono, Leskard, Broughom, Burketon, Cloremont, Columbus, Greenwood. Kinsale; Raglar Manchester, _ Port nd t 45¢ -per . week y ma oP e outside cofriers delive oret 2.00 pe: year Provinces ar nonwealth Counties d Comr U.S.A. ond foreign 24,00, Members of Thomson 425 Toronto Ca PQ c o ewcastle spoke on his motion to the post of ombudsmen. For about 20 minutes,. only 22 members plus were in the the acting Speaker House to listen to him. This was just barely above the minimum required for a quorum, Under pre- sent rules, 20 members, including the Speaker, are required to make a sitting legal in the 265-member Commons. The members nine. Conservative 'side, for an hour, there was no front three rows, but just the hour ended, one former Con- servative cabinet minister entered the chamber to complement the four Conservatives already in the House. Three.of the 17 New Demo- cratic members listened to Mr. Fisher's speech. There were also present three Social Credit members and two Social Credit Rally. mem- bers. Stanley Knowles made a brief appearance but left without taking his Mr. Knowles recently served of his of introducing a bill to raise the num- Liberals 'had the most the half the On about present one in before place. notice intention ber of members required for a legal sitting to 50. If the private members' hour means so little to the members of: Parliament, why waste time on. it? But the fact is that many fine ideas are presented during this period, and a. House devoted to the best interésts of the country can profit from. it. "But apparent], our $18.000-a-year members do not have the time or' the inclination, ENGAGEMENT, CALENDAR 'MIRROR, MIRROR ON THE WALL --' REPORT FROM U.K. Trial Cost Shock To County Council M. McINTYREE HOOD Special London. (Eng.) Correspondent For The Oshawa Times AYLESBURY Buckingham- shire The $7,500,000 train ro»bery which shook the whole of Britain a couple of months ago has provided -- yet another shock for the county. council and the rat vers of Bucking- hamshire y are likely to incur a bill of at least $60,000. QUEEN'S PARK By ease. of the men under arrest in robbery are before the and women nov connection with thi finally: settled the prelimin- ary courts. If those who are now awaiting the completion of their preliminary hearings are sent to a higher c.urt for trial, that is the sum which Bucking- hamshire will have to meet in law costs. This is the penalty the coun- ty's taxpayers will have to pay because' the train robbery oc- Smith Committee Digs Information BY DON O'HEARN TORONTO--Is it better that should pay more for e-pan so that our can sell abroad? s the key question in per- » most important consid- e n to date before the Smith committee on taxation Var.ious business. interests, and notably the Canadian Manu- fact rs Association have. pro- posed there should be reductions in corporation income and other taxes against business In their place, they have pro posed, there should be a federal tax (which would take existing provincial sales sales over tax) Their strong argument in fa- vor of a reduction in direct taxes against business is that they are an additional cost and weaken the competitive position: of our industry in export markets They would transfer a larger share of taxation to the con- sumer. Which means the Canadian consumer would pay more than he does now; while the consum- er of Canadian goods abroad would pay but Canadians would be able to sell better in his market, NO DATA 'To decide on a question such various factors nto con- less as this there -are h must be taken wh sideration One of these is just how much of a burden is diréct taxation TODAY IN HISTORY By THE CANADIAN PRESS Dec. '19, 1963 ; Field Marshal Walther yon Brauchitsch was re- moved commander-in- chief of the German army 22 years ago today--in. 1941 --and, following announce- ment of the ouster two days later, Hitler assumed con- trol of the army.. Brau- chitsch, who had been: pro- moted to field marshal after directing the army's campaigns in Po- land, the Low Countries and France, served as, Hitler's scapegoat his failure to Moscow. He died in le awaiting trial on charges of war crimes ; 1793 - recaptured Toulon 1949--Canada, Britain and States reached standa-d arms and as personally for capture 1948 vy Napoleon's forces. the seaport of United ement on the ization of military fighting methods. actually imposing on our indus- try Another is its just what is competitive position in export markets i And it that appeared be- had These are elementary therefore when the C.M.A fore the tax committee it no data on them When members of the commit- tee asked for such data it prom- ised to try and help get it And. though it can hardly be expected there ever will be sim ple answers to tax policies re- garding business, at | we may be heading in the right di- rection to get some answers based On reason COMMITTEE GOOD It is attacking a vast problem tee to date have in fact been most reassuring in this direc- tion It has been quietly and com- petently digging out information, It is attacking a vast problem in a field in which there can be no absolutely right or wrong de- cisions. Any policies on taxation will always be controversial. But this committee encourages confidence that its recommenda- tions at least will be based on a balanced and informed look at the complexities was surprising involved the the rests c rred inside county Therefore bur- den of prosecution boundary upon the county authorities MAY NOT RAISE TAXES The ounty treasurer ever how- has some reassuring' news for the taxpayers, He does not feel that this increased cost for the Will adniinistration 'of justice A tax of three-quarters of a axes nate on assessment real- 30,000, increase cent every dollar of izes and the de erent cont and t -asur- Gar is confident that the expen *s Of the trial liable to n to $60,000 will be absorbed in the usual county budget, which runs into millions of dollars The finance commit- tee ~ is for several thousands. of dollars for the fees of counsel in the case, and-must -lso provide.for the expenses of a vast number of witnesses, and for the costs of the jury. On top of this is. the cost of -hiring a hall from the lesbury Rural Council for the prelimin- ar' hearing and F other expen which a s¢ complicatec a case county's hi dootting udgetting "Our for the year budget set aside $93,000 for total cost.of assizes and quar- ter sessions for 1963. It looks as if expenditures will not exceed $150,000 because of the train robbery. About $42,000 of our original budget covers items like cost of maintaining the courts, of fees for the sions chairman, of the judge's lodgings and other administra- tive costs .The other $51,000 is directly involved in and expenses in, criminal We have planned for a figure of $60,000 for the: train robbery case after consulting the rieigh- boring county of. Bedfordshire about the which. it in- curred in famous A6 mur- der trial."' There: are also further costs which it is almost impos- sible to estimate. The telephone costs for police headquarters in Buckinghamshire are bound to rise steeply as a result of the huge number of calls .it had to handle. And no one can. work out exactly how much the crime has cost the county in extra de- tective work. These expenses however, will not «ll be paid by the county taxpayers They included in the genera] police budget, towards Which the llome Office annually makes a substantia ant current the the 6eS fees cases costs the will be BY-GONE DAYS 30 YEARS AGO_ Dec. 19, Welfare over The Oshawa Public Fund campaign went top of its $30,000 objective the John Chappell guest speaker at the Club and told about the International Scout Jamboree which he had attended in Hungary. was Kiwanis Miss Marie Valleau was elect- ed president of the Young Peo- ple's Society of Simcoe Street United Church, to succeed Cyri Weyrich, retiring president Other officers elected were Ralph Wallace, . vice-president; Lillian Williams, secretary,- and Margaret Luke, treasurer The Oshawa Public Welfare Board decided to close the Wel fare Hostel on King street west Oshawa Rotary Club Christmas party for crippled children. of the city and dis- trict. Other--parties were held at Albert Strect and S mcoe Sree United) Churche ind Oshawa Branch of the Cana- dian Legion. held.a 1933 The Oshawa Native Sons of first scheduled ice Juniors blanked Toronto in the game on local Local stores advertised Christ- mas specials to aid the short-of- cash housewives with Christ- mas dinner. Turkey 18 cents a pound, plum puddings were 29 cents a pound, oranges 18 cents a dozen and roasting beef was seven to 13 cents a pound Many had little money to buy at the ex:sting prices people The Oshawa Relief Board received an unexpected ship- meni of food from the Broug- ham Women's Institute, Bill' Fe 1,, Oshawa who ipated in eve athletic meets in ing the past address at Luncheon, athlete ral Europe dur- summer, gaye an the Kiwanis Club nar Douglas awards standir Ruby Smith and Conant rece ved special for being the: most girl and boy in the g class at OCVI commencement. OTTAWA REPORT hidden aduating Immigration Idea By Indian Lawyer By PATRICK NICHULSON OTTAWA -- The prospect of thriving new communities, live ing in and eating off areas of Canada which are now regarded as uninhabitable, was pictured by two recent events in our Cap- ital. : These events were the anni- versary of the Declaration of Human Rights,. and the annual banquet of the Arctic. Circle. Even our inhospitable Rocky Mountains would be a welcome and suitable new home for cer- tain immigrants. That area on the Alberta-B.C. border is very much like the bleak mountain fastnesses of Tibet, and Tibetan refugees from communism could and should be permitted YOUR HEALTH to settle' there, a Cree Indian suggested here. William Wuttunee, son of a Cree chieftain and himself a lawyer in Calgary, was address- ing a conference which marked the 15th anniversary of the sign- ing of the Universal Declaration of Human Rights by the United Nations, Our immigration laws are dis- criminatory, this Cree pro- tested; they are designed to at- tract immigrants from Europe, but they do not encourage the immigration of Asiatics, Afri- cans: and West Indians. LONGTIME POLICY What Mr. Wuttunee says is largely true; our immigration policy continues today very Blanket's Purpose To Keep You Warm By JOSEPH G. MOLNER, M.D. Dear Dr. Molner; I have arth- riti What abou: an electric blanket I hear that the dry heat is not good for you and makes you tired. Does it dry out the skin?--A.A. \ blanket, electric or. other- sn"t a treatment device. purpose is just to keep.you not to apply heat to an joint blankets, or espec ones can make you ble, either from ex heat or from. sheer You sleep poorly and you aren't as rested in the morn- ing as you should be, An electric blanket avoids this weight problem. And the heat usually can be regulated--so be careful not to get it too high There isn't... any reason to worry that the "dry heat" is go- ing to dry your skin or "make you tired." Regular' blankets don't provide any moisture. If either they or an electric blan- ket make you too:warm, you'll perspire, and that's all there' is to it So much for blankets; now for the arthritis. We know that heat applied. to an arthritic 'joint brings substantial relief, but we are talking about heat applied to the affected area, and con- siderably more heat than would be comfortable for sleeping pur- poses ied to the -whole body For this purpose moist heat is generally preferable but not always convenient. Soaking a foot or ankle in hot water? Yes. Or a hot bath. Or the whirlpool used in hospitals or h py centres But for an aching hip or shoulder or other joint, for home purposes.a heating pad or hot waiter bottle is usally more convenient and will do a very job of relief don't: let the question of moist or dry heat throw you off the main track. And let com- fortable sleeping -be your guide to blankets . Molner: Please tell I have a brother in-law in the hospital who TB. and histo, they say--N.E The complete name for histo is histoplasmosis, a lung dis- oo many ally heavy uncom cessive weight So order caused by a yeast-like or-/ lot has been learned about it in the last few years, It can resemble tuberculosis quite closely, and it is probable that in the past some. TB pa- tients really had histo. It is pos- ganism. A ae * sible to have both at the same time, too However, now so well known, sanitarium doc- tors are on guard. The two can be distinguished by careful x-ray study, and--most definitely--by a skin test for histo Dear Dr. Molner: What can you tell us about dry skin or 'winter itch' that annoys some of us older people?--B.D.M Well, sir, I have magic treatment, but here some helpful tips As we grow older the skin. se- cretions--oils and sweat--dimin- ish. A dry skin tends to itch. Secretions are even less in win- ter. Besides, heat makes the house drier, so keep the humidi fier tanks, if you have any, full of water Frequent bathing can aggra- vate "winter itch'? by removing skir oils. Don't overdo bathing. Be -sure you aren't being irri- tated. by some fancy soap. Try a mild castile Bath oils--some can be used in the bath water, some you can rub on afterward--usually will make you more comfortable that both are no are much_as_it.was egtablished just after the First World War by Prime Minister Mackenzie King's Liberal government. His intent at that time was that im- migration should be regulated so as to maintain the ethnic bal- ance of our population very much as it then was. Immigration from the West Indies and other parts of the world is not barred; but only selected immigrants are ad- mitted, being carefully chosen as having the skills, tempera- ment and background which would permit them to settle down in Canada as successful immigrants, It is sometimes ar- gued that our climate is so harsh that it is inclement to peo- ple raised in tropical climates, and that they would therefore not make happy settlers. But Mr. Wuttunee has given a new slant to this old argu- ment. There are parts of Asia and Africa where conditions are very similar to some of the un- inhabited parts of Canada; and immigrants could be admitted on that basis--for example Ti- betans from the Himalayas moving to our Rocky Mountains. LIVE OFF THE LAND The interesting sidelight on such a new immigration policy --if it were to be adopted--came from the annual banquet en- joyed by the Arctic fans. True, these indigenous edibles from the Arctic and Labrador were converted into delicacies by @ skilled Ottawa chef using mod- ern culinary aids; but the. 350 members of the Arctic Circle thoroughly enjoyed a meal pro duced in our sparsely inhabited northland, Arctic char of course fs a@ wel - known southern delicacy; this variety of northern salmon- trout is imported here in consid- erable volume, and is much sought after. Caribou roast is an improvement. on our better grades of beef. Beluga whale meat balls combine the taste of smoked oysters with the bulk of a hamburger. Muktuk sausages are slices of whale meat, a rather greasy and hard-to-chew dish with a novel flavour which is 1.am sure very nourishing. Then of course there aré seal flippers, a recognized delicacy in Newfoundland also. Noticeably missing from the menu was Salad and fresh fruit, which are not exactly abundant in the Arctic. But there is "Lab- rador tea', an unsavoury smell- ing but pleasant tasting brew made from needles of the lee- dum bush. This experience cer- tainly showed that our Arctic can supply its own, if different, way of eating; and combined neatly with Mr. Wuttunee's speech to urge a new population policy. prefer over ioned YOUR "ou breakable easy- "AT THE STORE or AT Women the non- Pur- container old fash- bottles, DOOR", DIAL 728-6241 ALITY DAIRY PRODUCTS OSHAWA, ONTARIO See PS. My: computer brain tells me that when in doubt buy a Johnston's Gift Certificate. -- H. DEAR SIS: Got your letter about a present for Dad -- but why beat your gums? You know that for Dad's present we always end up at Johnston's--after all, where else will you get a nice bunch \of guys that know how to advise a fellow like me? And 'besides, you know that if what you get isn't right, then Johnston's will take it back and make it right. You see, one of their nicest claims is the fact that 'They Cannot Afford a Dissatisfied Customer". You know Sis, you may be smart and go to college but it doesn't take a college grad to know where you get the best of everything in Men's Wear in Oshawa. Even your dull. brother knows the answer to that one is Johnston's at 8 Simcoe St, North in Downtown Oshawa. : So relax and enjoy your exams and leave the men's presents to me--(and that can go for that smart boyfriend of yours, too.) you on the 19th, Your Brother Herbie Thursday, 19 Dec. '63 Oshawa, Ont,