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Those who don‘t really get the proper spirit of the holiday until Thanksgiving is tucked away will even have time to start handmade gifts and finish them before the gresat day. Today we sugâ€" gest gifts to make â€" mainly for our gen2rous readeors who care enough about their friends and relations to spond time and affection over gifts of hand work. The same idea will we hope be of interest to the rest who like pickâ€" up work on winter evenings and are casting about for suggestion for things to make for their home. If you have only spare time to give to your efforts, better not attempt anyâ€" thing too ambitious to finnish for Christmas. Among the things you will be able to finnish eagilily are lamp shades to match special rooms. These may be yayly informal â€" of gingzsham, chintz, Beautiful Things for the Home Are Welcome Giftsâ€"Lamp Shades, Table Linen, Afgâ€" Fans, Quilts Suggested. North Bay 1088b 18 UNION BUS TERMINAL _ â€" NORTH BAY TIMMINS PHOXNXE 7089 You know how a blanket keeps you warm in winter. That is the way Red Top Insulating Wool can protect your home. Easily installed under the roof or in walls. Permanent. Fireâ€" i:muf. Verminâ€"proof, And pays for itself by saving fuel. eeps you cool in summer, too. Let us show you samples of Red Top Insulating Wool and tell you how you can get this winter and summer comvort at little cost, and how Red Top Insulating Wool will pay for ‘tself. Red Top Insulating Wool is a product of Canadian Gypsum Company Ltd.. your warranty of quality. RED TOP~1NSULATING WOOL Feldman Timber Something new for bedâ€"time glamour is this. atâ€" traclive bedspreadâ€"quilt that‘s made so casily with modern sewing machine eqvipment. The hage appligued mcnograin and scallsoped border are apâ€" plitd quickly and easily with the proper attachment in the sewinsg machins kit, The spread, made of EF¢or Genercus Readers Phone 101â€"2â€"3 PLEAsSANT HoMES the lamp complete with base and shade. Painstaking Table doilie and napkin sets can be started now and finished in plenty of time for Christmas. These will preferâ€" ably be of linen, and with a shortaze of linen facing us any home maker will ‘bless you for such a thought. If you chose colored linen you can finish the edges with inch wide bias bands of white linen, then applique in homespun, cecyelet embroidery,. â€" wall Or they may stand on their dignity for a more formal room and be made of taffeta, satin, velvet, damâ€" ask â€"orâ€" some of the new intricately wover Tabrise of silk, glass, fibers, synthetic materials or gleaming metalic paper. Finish with interesting braid swags and jabots fringe cartrigeg pleat bands appliques of chintz motiffs, ruchâ€" ing, sprays of .metal foil, leaves bas> feathers or shells. You‘ll want to make your shade for a certain base your lucky recipisnt has or else present by Elizabeth MacRea Boykin Needlepoint gifts always have fastidioeus â€" welcsme. Th is telephcone boo‘t with inset of necdlepoint is casy and quick to make for Christmas giving. Â¥ou buy a package which conltains the motif all worked, a ttlephone beok cover, neeoâ€" dle, yarn and instructions. sCHUMACHER PHONXE 708 ‘s}J18 u’.gcadsi oyetu pus 4fa101 4{[Boxt oit us{sep o psjatso.19 ‘astn0od JC ‘Uou.L ‘s1ofo2 utrerd ut 4imndJ JO saspoa pasuu; WA uitysuts poyoold JO speut ag usea §1059 s1qe) 1a9rdutg ‘SWoUu pattoI pusey 10 ssutpuItq Sse1q YjIM sa‘épsl ou1 IsIUung OJ snodmst; dIOU uonw sq t Surddiya®â€"puey ‘col stuy 10J ouly>eW .‘Sug.\m? 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Smo0y ap},, qndg# ([IM 497 U30 surmss JP991 Jno x quouyotyt aoyp yjim wrtarjtd 3sang _â€"uns UI pajmb put #upped joom s qu?] Surit§â€"tpunmra uo pajurduw st pozri§s aospo4 |a fine flowered printed linen or washâ€" i able chintz for the appliqued monoâ€" | grams, or if you are clever at designâ€" ‘ing, have a graceful seroll or gay unâ€" | usual pattern to applique which will ‘pive this pilow case and sheet set a igift air. Don‘t be afraid of a needlepoint, even though there is only one month to finâ€" ish it in. There are ever s many smail Bits of nosedlepoint which don‘t require a great deal of work. A Moire desk pad with an insert panel of nsedlepoint is a charming gift and one that can be easily finished in a few evenings of work. Another smaller gift that can be equally quickly done is a telephone book cover with an insert of needleâ€" point. You can buy either of these in packages at your art needlework deâ€" partments of your favourits store, They come complete with all the materials required. for quickâ€"toâ€" make gifts include door Other needlepoint articles _pattern and goes very fast. You can plan deligshtful color effects in the syuares or stripes. Or if you don‘t mind the extra hard work, you will find cross stitch embroidery designs in varâ€" ious of the afghan pattern books. Inâ€" trizate stitches lend infinite variety to the effects you may achieve in afghans. TEACHERS MEET About Thanksgiving time, avlittle girl came heme from school and announced that she didn‘t have to go back for the next two days. When her mother askâ€" ed her why that was, she explained: "The teachers are having a convulsion." In this same category might come gifts of pillow cases and sheets with handâ€"embroidered monograms or with handâ€"appliqued â€" monograms. Thess may be a flair of novelty by using Finish in Few Evenings This afghan in blocks of beige and cream yarn has the white blocks embroidered with pastel ficwers in the simple lazyâ€"daisy stitch, These are done with a largoc darning needle and wool yarns. They go quickly and require no patternâ€"all you need is an eye for combining colours. This afghan has been lined with pink crépe and tacked at the corners of the square. The edges are finâ€" ished with crocheted scallops. THE PORCUPINE ADVANCE, TIMMINS, ONTARI , Mcore ambitious needlepoint gifts, of course are chair seats, but these are not impossible to finish either before Christmas providing you seléect a large | sized de:sign with not so much backâ€" ground to fill in and providing that you have considerable time to give it Ancther suggestion for a real heirloom typ2 of needlepoint gift would be to stait a nosdlepoint rug which is made in squarss. You can add a square each special holiday anniversary . Or. bir‘hday gift. Thers is time to finish one square bofgre Christmas. _ _ ' With Flowered Chintz Th sort of quilt that it is possible to "start now and finish in time for Christmas is machine quilted, and this can have a lot of style. For instance a ficwsred chintz quilt to match the chintz in a pretity bedroom would be a thoughtful and welcome gift. or a «preadâ€"coverlet of plain colored chintz quilted wound in a sun ray design with a biz moncgram in the centre could be {inished easily by the hoeliday with the aid of your quilter attashment on your machineâ€"if you don‘t know just how this is dong, see your «local sewing | contre for mors specific directions and help. ~Bedspreads made of plain matâ€" erial with applique designs of. chintz cutouts are vory, pretty and practical | More ambitious a gift of. a bedaspread would be a craochated or knitted oneâ€" \there‘s something that will be treasur2d gencrations. Another very particâ€" !ular type of bedspread would be a hand ;quilzed one and don‘t forget if you | dscide to undortake; this that figured fatrics by the yvard as well patchâ€" work are charming for quilts. We are !devoned to the idea‘ of using‘ flowered satin lined with plain colorâ€" stops. bocokâ€"ends, and a variety of charming small pictures in aeedlepoint, many of these in pairs. They likewise are offersd in packages with all the materials necessary, includinz frames, anl they are veryâ€" quick and easy to make and not expensive to buy. nigAntgCWII Sdadbill 111C U ed satin or crepe for ery for design interest. Wool embroidâ€" ery in a lazy daisy stitch requires no pattern and goses very fast. You can plan deligshtful color effects in the syuares or stripes. Or if you don‘t mind the extra hard work, you will find cross stitch embroidery designs in varâ€" ious of the afghan pattern books. Inâ€" trizate stitches lend infinite variety to the effects you may achieve in afghans. chaiss longs throwâ€"if you like the idea but can‘t quilt yourself, you can tack it. If you don‘t have time â€"to embark on any sort of ambitious quilting job keofore Christmas, consider smaller quilâ€" toed gift such as boudcir‘cusiiion and baby throws, large sachet folders for lingerie and handkerchiefs. _ ‘An afghan is ons of the loveliest of Christmas gifts if you are in a really generous mood with your time and talâ€" ent. The afghan pattern books this year offer more interesting varied sugâ€" gestions than ever with syles both tailored and dainty, or make up your cwn design with squares or stripes in contrasting tones and wool embroidâ€" â€"This lamp shade for a more formal room has a swag and jabot finish of striped silk. Not hard to make if you are hangdy with your needls, If yoeu have never ‘.sewed eneugh to feel like tackling a icb like this, drop into your lecal sewing center and they will give you suggestions for such a iobh. bed quilt or 1 ; * F the premium which would have to be Abitibi Paper Co. Earnings pild to permil payinent of Sugh inter Increase Over Last Year est to be made in the United States Toronto, Nov. 27â€"Earnings of Abitibi Power and Paper Company Limited for the menth of October, 1940, prior to aud® und charges for depreciation of $1 â€" 48,750 and bond interest of $286,585 (inâ€" cluding interest on overdue and unpaid intérest) amounted to $702,460 as comâ€" pared on a similar basis with $731,764 in September, 1940, and $544.827 in Octobh=r 1939. Shipments of newsprint in O:tober, ___ n 1940 amounted to 37,210 tons also comâ€" 004448 pared with 36,679 tons in September, 140 and 37,2486 tons in Ostober 1939 F'RE lNSURANCE Present indications are that shipments of sulphite pulp in November 1940, will o 7 s # . amount to about 6,000 tons as compared i Your ONLY protection against loss by fire. with 5,105 tons in November, 1939. Check up on your values and see if yvou are EFarnings prior to bond interest and depreciaticn for the first 10 months of 1840, amounted to $6,626,897, as comâ€" pared with $2,466,236, $2,307,733 and $3,â€" $€07,500 for the corresponding periods of 1939, 1938 and 1937, respectively. Official statement of G. T. Clarkson, raceiver and manager, notes that inâ€" cluded in Oztober, 1940, earnings is $131,393 received as premium on United States exchange. Bond of $286.385 for such month is exclusive of BANK OF MONTREAL LIABJILITIES LLABILITIES TO THE PUBLIC LIABILITIES TO THE SHAREHOLDERS TOTAL OF QUICKLY AVAILABLE RESOURCES (equal 10 75%%4 0 J all Liabilities to the Public) Loans to Provincial and Municipal Governments including School Districts * o a Other Loans . ; s s o o 4 To manultacturers, {armers, merchants and others, on cona to meet payment of Liabilities to the Public of leaving an excess of Assets over Liabilities to the Public HUNTLY R. DRUMMOND To meet the foregoing Liabilities the Bank bas The strength of a bank is détermined by its history, its policy, its management and the extent of its resources, For 123 years the Bank of Moi.treal has been in the forefront of Canadian finance. Established 1817 eA presentation, in easily understandable for ms of the ‘Bank‘s Deposits , $ 2 Payable on demand and after notice. Notes of the Bank in Circulation i i Payalle on demand. Acceptances and Letters of Credit Outstanding â€" , _ _ Financial responsibilities undertaken on bhehalf of" customers (see off â€"setting amount in "Resources‘). Other Liabilities to the Public ¢ s A > ltems which do not come under the foregoing /Jeu/uzg Total Liabilities to the Public s s o s Represents liabilities of customers on account 0| Credit issued and Drafts attepted by the Ban d4CCoun‘t. Other Assets not included in the Foregoing Making Total Assets of _ . _ . *A Capital, Surplus and Undivided Profits and Reserves for Dividendsâ€" . o This amount represents the shareholders‘ interest in the Bank over which liabilities to the public take precedence. Cash in its Vaults and Moncy on Deposit with Bank of Canada s 4 Notes of and Cheques on Othcr Banks n Payable in cash on presentation. Money on Deposit with Other Banks _ , T Available on demand or at short notice. Government and Other Bonds and Debentures SCOC]\S # # # # # # # Industrial and other stocks. Not exceeding maréet Call Loans outside of Canada Secured by bonds, stocks and other negotiable. securities of greater value than the loims and representing moneys quick!ly available with no disturbing effect on conditions in Canada. Call Loans in Canada > o ; Payable on demand and secured by bonds and stocks of greater ralue than the loans. Bankers‘ Acceptances . s s £ a > Prixie drafts accepted by other bhanks. Bank Premises Total Liabilities Profits for the year ended 31st October, 1940, after making appropriations to Contingent Reserve Fund, out of which Fund full provision for Bad and Doubtful Debts has been made, and after deducting Dominion and Provincial Government Taxes amounting to $1,927,824.40 is Dividends paid or payable to Shareholders _ _, _ , _ . $2,880,000.00 Appropriation for Bank Premises | . . . + + 500,000.00 aureane n m« m «n mm Balance of Profit and Loss carried forward Balance of Profit and Loss com panies ; t tirely ofrned in each case. which largely Not exceeding market 1 piltâ€"ed ge securities which ANNUAL STATEMENT "Look here, Mrs. Simpson," he said stornly. ~as he held up a jar, "T‘ll bet you‘ve been at my marmalade again." as can be required RIGHTEOUS INDIGNATION After inspecting stock of proâ€" visions, the lWOdger sought his landlady, "Parden me, sir," replied Mrs. Simpâ€" son, in dignified tones, "you insult me. I nevor bet!"â€"Exchange. , Jarmers, merchants and others, on conditions und banking. m‘/) are carried in the tock and bonds of these the Bark and appear on â€"other of the Bank‘s pre President 31st October, 1940 ilue. The greater partion con mature at early dates. Account, 31st October, 1939 customers on account of Letigrs: o| t atcepted by the Bank for their JACKSON DODDS, G. W. SPINNEY, 1';11[16’. lyig 4 THUREDAY, NOVEMBER 28TH, 1940 SAWING WOOD Whiffiebothamâ€"My, that was a wonderful sléep 1 had last night. 1 slept like a log. Mrs, W.â€"â€"Yosâ€"a log with a saw going through it.«â€"â€"Exchange Joint General Mana $848,865,349,.906 §$961,334,955.77 §$884,251,299.27 $961,334,955.77 884,251,299.27 $ 77,083,656.50 $ 83,034,576.56 32,254,269.70 $663,185,436.1X 35,313,063.39 233,560,368.24 461,827,040.063 11,677,303.17 77,083,656,.50 19,816,520,.50 61,382,283.44 11,677,303.17 13,900,000.00 19,552,470,11 2,724,581.95 4,606,348.55 3,892,125.64 ‘5,435)9“ 1 5() $1,321,642 3,380,000.00 332,264.27 1,268,700 196,182,.87 5§5,94 l